Don't Retire...Graduate!

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Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is not a Grammy Award-winning singer songwriter, but he is a highly experienced investor who educates others on passive and alternative investing. Brian Adams is the president of Excelsior Capital and is joining us today to talk about how he’s using commercial real estate and private equity to reach his financial independence goals and how you can, too.

In this episode we’ll talk about:

• Getting asymmetrical returns by taking asymmetrical risks
• What alternative investment classes are
• Investing in things like art, NFTs, masterworks, and crypto to diversify your portfolio 
• How access to alternative investment options are growing
• Private equity becoming the next frontier of investing
• The J curve 
• Risk versus volatility 
• Why bonds and cash are not the answer 
• What it’s going to take to reach financial independence and retirement with inflation devaluing the dollar 
• How COVID will change commercial real estate when it comes to office space
• How to start investing in alternative asset classes

About Brian Adams:

Brian C. Adams is the President and Founder of Excelsior Capital, where he spearheads the investor relations and capital markets arms of the firm. He has 10 years of experience in real estate private equity and has advanced knowledge in best practices for strategic real estate investing. Prior to forming Excelsior Capital, Brian co-founded Priam Properties (an institutional real estate private equity sponsor) in 2010 and provided leadership and direction for the firm in connection with capital markets, investment management and investor relations.

He has served on the Board of Sirrom Partners, LP, a single-family office investing across private and public asset classes since May of 2008. Since May of 2017 he has served on the Investment Committee for Solidus LP, an early-stage venture capital firm focused on investment opportunities in Healthcare and Technology.

From January of 2016 to January of 2018, Brian served as a member of the Board of Next Gen Advisory Faculty for the Institute of Private Investors / Campden, a program designed to support next generation family members in preparing the following generation for the responsibility of being a steward of family wealth. He has also served on the Advisory Committee for the Southeastern Family Office Forum since December of 2016. Brian is a former practicing attorney, earning his J.D. from Suffolk University and his B.A. from Wesleyan University with Honors.

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Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a visionary and pioneer in the personal finance industry. Holly Morphew is the CEO of Financial Impact and her journey to financial independence was truly a wild ride, eliminating overwhelming debt, combatting chronic illness, and reaching financial freedom while she was only in her 30s. She joins us today to talk about how she did it and share her tips for recreating some of her success.

In this episode we’ll talk about:

• How growing up in a household that talks about money can inspire a life of entrepreneurship
• The importance of mindset in wealth-building 
• The difference between people who call themselves coaches and those who are accredited financial coaches
• Telling the difference between a fiduciary advisor/coach and one that’s out for their own benefit
• Maslow’s Hierarchy of Needs and how it can be applied to your financial journey 
• Discovering your core values and using them to shape your life
• Creating residual income
• The differences between financial advisors, financial coaches, and financial therapists and the value they each bring

Links mentioned:

https://www.amazon.com/Simple-Wealth-Practical-Transform-Relationship/dp/0578840308/ref=sr_1_6?keywords=simple+wealth&qid=1637083798&sr=8-6

About Holly Morphew:

Holly Morphew is a visionary, financial coach, and multi-generational entrepreneur. She’s the founder + CEO of Financial Impact, which helps professionals and entrepreneurs create personal wealth and financial independence.

A pioneer in the personal finance industry, Holly’s work has been featured in Forbes, Business Insider, Yahoo Finance, FemFounder, and more. Her own journey to eliminating $67k in debt in her twenties, reaching financial independence in her thirties, and overcoming chronic illness are what inspire her to help others realize their dreams too.

Holly’s professional background in finance, real estate investing, and entrepreneurship are the foundation of her transformational programs, which also include well-being and mindfulness practices to align behavior and mindset.

In 2008 Holly received the prestigious “Rotarian of the Year” award for her work in financial literacy, and in 2017 she was recognized by the Association for Financial Planning and Counseling Education ® with the "Bridging the Gap" award for outstanding work as an Accredited Financial Counselor® in private practice.

Her book Simple Wealth is a #1 best seller in nine out of ten categories including money management, women & business, personal finance, real estate, retirement, budgeting, personal transformation, credit repair, and wealth management.

Holly has a B.A. from the University of Colorado in International Affairs and Japanese with a Minor in Business. Today, Holly speaks, coaches, and writes about money, personal transformation, and creating a life of design.

She now resides in Boulder, CO. Her favorite things to do are travel, hike fourteeners, and watch the sun rise. 

Connect with Holly:

• https://www.financialimpact.com/
• https://www.facebook.com/HollyMorph
• https://www.linkedin.com/in/hollymorph/
• https://twitter.com/HollyMorph

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Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a true celebrity and has made a career out of helping consumers save money. Jeanette Pavini is an Emmy-award winning reporter and author who talks about the money mindset she learned from her Italian American father and how she has used her platform as a reporter to share simple money-saving strategies with viewers for more than 20 years.

In this episode we’ll talk about:

• The importance of mindset in saving money
• How a single mother living paycheck to paycheck built a career out of her own need to save money
• The differences in mindsets between different generations
• The danger of student loans and how to save money on your education
• Finding a balance between saving money and living and having fun today
• Taking the time to find deals and discounts instead of shopping on impulse
• Separating your expenses into those that can’t change and those that can to find places you can save
• The key to wealth is not the right investments, luck, or salary. It’s time and behavior
• How a cashless society means not having a relationship with our money
• Apps are gamifying finances in a way that is dangerous to your financial future

About Jeanette Pavini:

Jeanette Pavini is an Emmy Award winning consumer and investigative reporter completely over 10,000 money-saving segments for CBS News, Hallmark’s Home & Family and MarketWatch among others. Her book: The Joy of Saving: Money Lessons I Learned From My Italian American Father & 20 Years As a Consumer Reporter, offers people unique money-saving strategies. Jeanette has been a guest contributor on The Today Show, and her advice has been featured with hundreds of media outlets including Good Morning America and Oprah.com.

Links:

www.JeanettePavini.com
Twitter: @jeanettepavini
Instagram: jeanette.pavini
Book: https://www.amazon.com/Joy-Saving-Italian-American-Consumer-Reporter/dp/1098341775

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Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a behavioral strategist, business coach, author, and host of the Other Side of Potential podcast. Sharon Spano has a Ph.D. in human and organizational systems and is here to talk about the state of collective trauma we’ve been living in throughout the pandemic and why changing the world starts with turning off the news. 

In this episode we’ll talk about:

• The various ways business owners pivoted (or didn’t) throughout the pandemic
• Scarcity and abundance mentalities in business and in life
• Looking for meaningful ways to apply your talents and passions during retirement 
• The concept of collective trauma and how we can protect our minds from the negativity
• Why you should stop watching the news 
• The lack of leadership in the country, whether in politics or in business
• Contributing to the world no matter what season of your life you’re in
• Entrepreneurs changing the landscape through collective learning and masterminds
• Turning off the news to protect yourself from negativity

Sharon Spano

As a Family Business Consultant, Sharon Spano helps thriving family business leaders develop family alignment so they can deepen their relationships, achieve sustainable business growth, maximize their impact, and secure a multi-generational legacy.

Dr. Spano’s expertise in human and organizational systems and her research-based methodologies are designed to help these business leaders generate collaborative strategies for success and sustainability in our ever-changing landscape.

“While there are many ways that we go about the process of transition and change, the ultimate goal is to empower my clients to view their life and business through a systemic lens. Once they learn to embody this level of knowledge, I find that everything else accelerates, and it does so in a way that allows for greater integration of the family-business many complex systems. The result is a unified family that is now fully positioned to contribute to one another and the world in more meaningful ways.

Sharon is the author of The Pursuit of Time and Money: Step into Radical Abundance and Discover the Secret to a Meaningful and Prosperous Life (2017) and the host of the weekly podcast, The Other Side of Potential, which focuses on how family business leaders integrate their unique family dynamics with the complexity of running a successful business.

Links:

Sharon's book: https://amzn.to/3vpARmO

Sharon's podcast: https://www.sharonspano.com/podcast/

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Welcome back to Don’t Retire... Graduate! Our guest on today’s episode is a money coach and mental health blogger who is joining us for a very special episode in honor of World Mental Health Day. Chloe Daniels of Clo Bare Money Coach goes deep into her own struggles with mental health and how it has helped her find her voice and grow her platform at the intersection of money and mental health.

In this episode we’ll talk about:
• How Chloe’s transparency with her mental health struggles grew into a virtual community
• How therapy and writing helped her overcome her battles with eating disorders and PTSD
• Why people don’t talk about their struggles with money and want to seem like they’re the Joneses you should be keeping up with
• How Chloe paid off $70,000 in debt and amassed $200,000 in savings in a short period of time
• How to set a budget that aligns with your values
• Failing at a budget and continuing to work at it instead of quitting
• Figuring out why you’re spending money where you’re spending it so you can connect with your spending
• Finding the right method to keep yourself accountable and connected to your budget
• Stepping away from the “shoulds” and focusing on the “why”
• Looking at the anxieties and fears around money and getting to the root of it
• The difference between good and bad financial advisors, and why you should always ask potential advisors if they’re fiduciaries
• How a financial coach and a financial advisor can help you simultaneously

Chloe, aka Clo Bare Money Coach, saved more than $200k for retirement in a little over 2 years, and now she’s teaching others how to do the same. In the last year, she’s coached over 300 people on how to money. She started as a mental health blogger in 2017, and brings her mental health expertise into her financial coaching, focusing on providing people with a human-centric approach to managing their money.

Links: 

https://brotmanmedia.com/season-4-episode-3-happiness-abundance-and-freedom-changing-your-mindset-to-improve-your-life/

www.clobare.com

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