Wealth Advisor Cynthia Yang, CFA®, CAIA®, CIPM, joins Frank Fantozzi, CPA, MST, PFS, CDFA, AIF®, CEPA, to review the market’s fluctuations through the first half of 2025. Their conversation covers the impacts of the election, tariffs, Federal Reserve policy, the Big Beautiful Bill, deficit spending, and more, before turning to what may be on the horizon.

Frank Fantozzi is the President and Founder of Return on Life Wealth Partners. To learn more about the firm’s approach to planning and wealth management, visit ReturnOnLifeWealth.com or call 440-740-0130 to schedule a conversation with a member of the team.

Important Information:

Investment advisory services are offered through Planned Financial Services, LLC, dba Return

on Life Wealth Partners, an SEC-Registered Investment Adviser.

The views and opinions expressed in this podcast are for general informational and educational

purposes only and do not constitute specific financial, legal, investment, or tax advice. Listeners

should consult with a qualified professional before making any financial decisions.

The views expressed are those of the participants as of the date of recording and may change

without notice. Discussions may include forward-looking statements based on current beliefs

and assumptions, which are subject to risks and uncertainties.

Any forward-looking statements or references to potential outcomes are based on assumptions

and estimates and are subject to change. Past performance is not indicative of future results.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a

non-diversified portfolio. Diversification does not protect against market risk.

Past performance does not guarantee future results.

Asset allocation does not ensure a profit or protect against a loss.

This podcast does not constitute an offer to buy or sell securities or financial instruments. Any

mention of third-party organizations or individuals is for informational purposes only and does

not imply endorsement, affiliation, or compensation.

This content may not be copied, reproduced, or distributed without the express written consent

of Return on Life Wealth Partners.

A portion of this research material was obtained from LPL Financial, LLC. All information is

believed to be from reliable sources; however, Planned Financial Services, LLC, dba Return on

Life Wealth Partners, make no representation as to its completeness or accuracy.

For more information about our firm, services, and full disclosures, please refer to our Form

ADV Part 2A Brochure, available upon request, or at https://www.adviserinfo.sec.gov.

Here’s a hard truth: Many family businesses struggle to make it to the 2nd and 3rd generation — not because the business isn’t viable, but because the planning isn’t clear. In this episode of Frank Wealth Insights, Frank Fantozzi dives into what can get in the way, what to watch for, and how to keep the peace while preparing to pass the torch.

Frank Fantozzi (CPA, MST, PFS, CDFA, AIF®, CEPA) is the President and Founder of Return on Life Wealth Partners. To learn more about the firm’s approach to planning and wealth management, visit ReturnOnLifeWealth.com or call 440-740-0130 to schedule a conversation with one of our team members.

IMPORTANT DISCLOSURES

Investment advisory services are offered through Planned Financial Services, LLC, dba Return

on Life Wealth Partners, an SEC-Registered Investment Adviser.

The views and opinions expressed in this podcast are for general informational and educational

purposes only and do not constitute specific financial, legal, investment, or tax advice. Listeners

should consult with a qualified professional before making any financial decisions.

The views expressed are those of the participants as of the date of recording and may change

without notice. Discussions may include forward-looking statements based on current beliefs

and assumptions, which are subject to risks and uncertainties.

Any forward-looking statements or references to potential outcomes are based on assumptions

and estimates and are subject to change. Past performance is not indicative of future results.

This podcast does not constitute an offer to buy or sell securities or financial instruments. Any

mention of third-party organizations or individuals is for informational purposes only and does

not imply endorsement, affiliation, or compensation.

This content may not be copied, reproduced, or distributed without the express written consent

of Return on Life Wealth Partners.

For more information about our firm, services, and full disclosures, please refer to our Form

ADV Part 2A Brochure, available upon request, or at https://www.adviserinfo.sec.gov.

They say that when you first get into business, you should already be thinking about how you'll eventually exit your business. In this episode of Frank Wealth Insights, Frank Fantozzi explains this concept and takes a deep dive into business exit strategy. When is the best time to sell? What strategies work best? How should business owners prepare? Hear Frank cover all this and more in today’s episode. 

Frank Fantozzi (CPA, MST, PFS, CDFA, AIF®, CEPA) is the President and Founder of Return on Life Wealth Partners. To learn more about the firm’s approach to planning and wealth management, visit ReturnOnLifeWealth.com or call 440-740-0130 to schedule a conversation with one of our team members.

IMPORTANT DISCLOSURES

Investment advisory services are offered through Planned Financial Services, LLC, dba Return

on Life Wealth Partners, an SEC-Registered Investment Adviser.

The views and opinions expressed in this podcast are for general informational and educational

purposes only and do not constitute specific financial, legal, investment, or tax advice. Listeners

should consult with a qualified professional before making any financial decisions.

The views expressed are those of the participants as of the date of recording and may change

without notice. Discussions may include forward-looking statements based on current beliefs

and assumptions, which are subject to risks and uncertainties.

Any forward-looking statements or references to potential outcomes are based on assumptions

and estimates and are subject to change. Past performance is not indicative of future results.

This podcast does not constitute an offer to buy or sell securities or financial instruments. Any

mention of third-party organizations or individuals is for informational purposes only and does

not imply endorsement, affiliation, or compensation.

This content may not be copied, reproduced, or distributed without the express written consent

of Return on Life Wealth Partners.

For more information about our firm, services, and full disclosures, please refer to our Form

ADV Part 2A Brochure, available upon request, or at https://www.adviserinfo.sec.gov.

On this episode of Frank Wealth Insights, Frank Fantozzi is joined by Wealth Advisor Danielle LeChard, CFP®, to explore what high-net-worth families might consider when selecting a financial advisor. They discuss factors that may influence the decision-making process—such as professional background, communication style, and planning approach—and highlight the value of working with an advisor whose philosophy aligns with your family’s goals.

Frank Fantozzi (CPA, MST, PFS, CDFA, AIF®, CEPA) is the President and Founder of Return on Life Wealth Partners. To learn more about the firm’s approach to planning and wealth management, visit ReturnOnLifeWealth.com or call 440-740-0130 to schedule a conversation with one of our team members.

IMPORTANT DISCLOSURES

Investment advisory services are offered through Planned Financial Services, LLC, dba Return on

Life Wealth Partners, an SEC-Registered Investment Adviser.

The views and opinions expressed in this podcast are for general informational and educational

purposes only and do not constitute specific financial, legal, investment, or tax advice. Listeners

should consult with a qualified professional before making any financial decisions.

The views expressed are those of the participants as of the date of recording and may change

without notice. Discussions may include forward-looking statements based on current beliefs and

assumptions, which are subject to risks and uncertainties.

Any forward-looking statements or references to potential outcomes are based on assumptions

and estimates and are subject to change. Past performance is not indicative of future results.

This podcast does not constitute an offer to buy or sell securities or financial instruments. Any

mention of third-party organizations or individuals is for informational purposes only and does not

imply endorsement, affiliation, or compensation.

This content may not be copied, reproduced, or distributed without the express written consent of

Return on Life Wealth Partners.

For more information about our firm, services, and full disclosures, please refer to our Form ADV

Part 2A Brochure, available upon request, or at https://www.adviserinfo.sec.gov.

On this episode of Frank Wealth Insights, Frank Fantozzi is joined by Wealth Advisor Chelsea Hussey (CLU®, ChFC®, CFP®) to explore how women can approach their financial lives with clarity and intention. They discuss key financial considerations—including earning strategies, investing habits, long-term planning, and what to look for in a trusted wealth advisor. The conversation also touches on common challenges like the gender pay gap and caregiving responsibilities, offering thoughtful insights women can use when planning and managing their wealth.

Frank Fantozzi (CPA, MST, PFS, CDFA, AIF®, CEPA) is the President and Founder of Return on Life Wealth Partners. To learn more about the firm’s approach to planning and wealth management, visit ReturnOnLifeWealth.com or call 440-740-0130 to schedule a conversation with one of our team members.

Investment advisory services are offered through Planned Financial Services, LLC, dba Return on Life Wealth Partners, an SEC-Registered Investment Adviser.

The views and opinions expressed in this podcast are for general informational and educational purposes only and do not constitute specific financial, legal, investment, or tax advice. Listeners should consult with a qualified professional before making any financial decisions.

The views expressed are those of the participants as of the date of recording and may change without notice. Discussions may include forward-looking statements based on current beliefs and assumptions, which are subject to risks and uncertainties.

This podcast does not constitute an offer to buy or sell securities or financial instruments. Any mention of third-party organizations or individuals is for informational purposes only and does not imply endorsement, affiliation, or compensation.

This content may not be copied, reproduced, or distributed without the express written consent of Return on Life Wealth Partners.

On this episode of Frank Wealth Insights, Frank Fantozzi explores an important topic for executives and business owners: how to use executive compensation and key employee retention tools (also called “golden handcuffs”) to attract, retain, and reward top talent.

He’ll break down popular strategies such as stock options, restricted stock units (RSUs), deferred compensation, Phantom Stock Plans, and Split Dollar Life Insurance. Plus, he’ll cover how these tools tie into tax planning, liquidity events, and long-term wealth management.

Tune in for insights into how you can effectively align these compensation strategies with your broader financial goals.

The opinions and views expressed in this podcast may not necessarily reflect the views of Planned Financial Services dba Return on Life Wealth Partners or its affiliates. 
 
 This podcast should not be copied, distributed, published, or reproduced in whole or in part or disclosed by any recipient to any other person without the express written consent of Return on Life Wealth Partners. 
 
 Each name of a guest or a third-party organization mentioned in this podcast is the property of the company to which it relates, is used here strictly for informational and identification purposes only and is not used to imply any ownership or license rights between any such company and Return on Life Wealth Partners. 
 
Return on Life Wealth Partners is not affiliated with its guest, nor does it provide compensation for such guest appearance. 
 
 The content of this podcast does not constitute a recommendation from any Return on Life Wealth Partners entity to the recipient and is provided for informational purposes only. Return on Life Wealth Partners is not providing any financial, economic, legal, investment, accounting, or tax advice through this podcast or to its recipient. 

Certain information contained in this podcast constitutes “forward-looking statements”, and there is no guarantee that these results will be achieved. Return on Life Wealth Partners has no obligation to provide updates or changes to the information in this podcast. 
 
 Past performance does not guarantee future results, which may vary. Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability; therefore, including in respect of direct, indirect, or consequential loss or damage is expressly disclaimed.  
 
 Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability therefor (including in respect of direct, indirect, or consequential loss or damage) are expressly disclaimed. 
 
 The views expressed in this transcript are not necessarily those of Return on Life Wealth Partners and Return on Life Wealth Partners is not providing any financial, economic, legal, accounting, or tax advice or recommendations. 

Investment advisory services offered through Planned Financial Services, LLC, dba Return on Life Wealth Partners, an SEC-Registered Investment Adviser.

On this episode of Frank Wealth Insights, Frank Fantozzi, President and Founder of Return On Life Wealth Partners, is joined by wealth advisor and Certified Financial Planner, Danielle LeChard, to discuss key strategies for evaluating and adjusting your financial plan for the year ahead.

Topics covered include:

This episode provides practical information to help you evaluate your financial strategies as you move into 2025. Don’t forget to like, subscribe, and share the podcast with those who may find it helpful!


The opinions and views expressed in this podcast may not necessarily reflect the views of Planned Financial Services dba Return on Life Wealth Partners or its affiliates. 

This podcast should not be copied, distributed, published, or reproduced in whole or in part or disclosed by any recipient to any other person without the express written consent of Return on Life Wealth Partners. 

Each name of a guest or a third-party organization mentioned in this podcast is the property of the company to which it relates, is used here strictly for informational and identification purposes only and is not used to imply any ownership or license rights between any such company and Return on Life Wealth Partners. 

Return on Life Wealth Partners is not affiliated with its guest, nor does it provide compensation for such guest appearance. 

The content of this podcast does not constitute a recommendation from any Return on Life Wealth Partners entity to the recipient and is provided for informational purposes only. Return on Life Wealth Partners is not providing any financial, economic, legal, investment, accounting, or tax advice through this podcast or to its recipient. 

Certain information contained in this podcast constitutes “forward-looking statements”, and there is no guarantee that these results will be achieved. Return on Life Wealth Partners has no obligation to provide updates or changes to the information in this podcast. 

Past performance does not guarantee future results, which may vary. Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability; therefore, including in respect of direct, indirect, or consequential loss or damage is expressly disclaimed.  

Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability therefor (including in respect of direct, indirect, or consequential loss or damage) are expressly disclaimed. 

The views expressed in this transcript are not necessarily those of Return on Life Wealth Partners and Return on Life Wealth Partners is not providing any financial, economic, legal, accounting, or tax advice or recommendations. 

Investment advisory services offered through Planned Financial Services, LLC, dba Return on Life Wealth Partners, an SEC-Registered Investment Adviser.

In this episode of Frank Wealth Insights, host Frank Fantozzi welcomes Carrie Malotte, Vice President of Commercial Banking and SBA Lending Specialist from Westfield Bank, to explore some of the key aspects of commercial banking.

They discuss:

This conversation offers practical considerations and perspectives for business owners navigating the complexities of commercial banking.


The opinions and views expressed in this podcast may not necessarily reflect the views of Planned Financial Services dba Return on Life Wealth Partners or its affiliates. 

This podcast should not be copied, distributed, published, or reproduced in whole or in part or disclosed by any recipient to any other person without the express written consent of Return on Life Wealth Partners. 

Each name of a guest or a third-party organization mentioned in this podcast is the property of the company to which it relates, is used here strictly for informational and identification purposes only and is not used to imply any ownership or license rights between any such company and Return on Life Wealth Partners. 

Return on Life Wealth Partners is not affiliated with its guest, nor does it provide compensation for such guest appearance. 

The content of this podcast does not constitute a recommendation from any Return on Life Wealth Partners entity to the recipient and is provided for informational purposes only. Return on Life Wealth Partners is not providing any financial, economic, legal, investment, accounting, or tax advice through this podcast or to its recipient. 

Certain information contained in this podcast constitutes “forward-looking statements”, and there is no guarantee that these results will be achieved. Return on Life Wealth Partners has no obligation to provide updates or changes to the information in this podcast. 

Past performance does not guarantee future results, which may vary. Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability; therefore, including in respect of direct, indirect, or consequential loss or damage is expressly disclaimed.  

Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability therefor (including in respect of direct, indirect, or consequential loss or damage) are expressly disclaimed. 

The views expressed in this transcript are not necessarily those of Return on Life Wealth Partners and Return on Life Wealth Partners is not providing any financial, economic, legal, accounting, or tax advice or recommendations. 

Investment advisory services offered through Planned Financial Services, LLC, dba Return on Life Wealth Partners, an SEC-Registered Investment Adviser.

Join Frank Fantozzi, president and founder of Return on Life Wealth Partners, in the latest episode of Frank Wealth Insights.

In this engaging discussion, Frank welcomes back his colleague and Wealth Advisor, Chelsea Hussey, as they explore the complexities of employee benefits.

They cover key topics such as:

Discover tips for evaluating your options and making informed choices that align with your financial and healthcare needs. Tune in for insights that can help you navigate your employer-sponsored benefits package more effectively!


The opinions and views expressed in this podcast may not necessarily reflect the views of Planned Financial Services dba Return on Life Wealth Partners or its affiliates. This podcast should not be copied, distributed, published, or reproduced in whole or in part or disclosed by any recipient to any other person without the express written consent of Return on Life Wealth Partners. Each name of a guest or a third-party organization mentioned in this podcast is the property of the company to which it relates, is used here strictly for informational and identification purposes only and is not used to imply any ownership or license rights between any such company and Return on Life Wealth Partners. Return on Life Wealth Partners is not affiliated with its guest, nor does it provide compensation for such guest appearance. The content of this podcast does not constitute a recommendation from any Return on Life Wealth Partners entity to the recipient and is provided for informational purposes only. Return on Life Wealth Partners is not providing any financial, economic, legal, investment, accounting, or tax advice through this podcast or to its recipient. 

Certain information contained in this podcast constitutes “forward-looking statements”, and there is no guarantee that these results will be achieved. Return on Life Wealth Partners has no obligation to provide updates or changes to the information in this podcast. Past performance does not guarantee future results, which may vary. Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability; therefore, including in respect of direct, indirect, or consequential loss or damage is expressly disclaimed.  Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability therefor (including in respect of direct, indirect, or consequential loss or damage) are expressly disclaimed. The views expressed in this transcript are not necessarily those of Return on Life Wealth Partners and Return on Life Wealth Partners is not providing any financial, economic, legal, accounting, or tax advice or recommendations. 

Securities and Retirement Plan Consulting Program advisory services offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC.

Planned Financial Services, LLC and LPL Financial  are separate entities.

Investment advisory services offered through Planned Financial Services, LLC, dba Return on Life Wealth Partners, an SEC-Registered Investment Adviser.

In this episode of Frank Wealth Insights, host Frank Fantozzi is joined by Connie Powall, a respected attorney and partner at Gertsburg Licata, LPA. They'll discuss the important topic of estate planning, focusing on the do’s and don’ts of thoughtful family planning.

Gain insights into the significance of estate planning, key documents such as wills, powers of attorney, and health care proxies, as well as financial and emotional considerations. Frank and Connie also touch on common pitfalls and the role professionals can play in developing an estate plan.

Whether you’re just starting your estate planning journey or looking to refine your existing plan, this episode is filled with valuable insights  to consider for effectively communicating your wishes and protecting your loved ones.

Tune in to Frank Wealth Insights for a comprehensive guide to estate planning—because it’s never too early to secure your legacy!



The opinions and views expressed in this podcast may not necessarily reflect the views of Planned Financial Services dba Return on Life Wealth Partners or its affiliates. This podcast should not be copied, distributed, published, or reproduced in whole or in part or disclosed by any recipient to any other person without the express written consent of Return on Life Wealth Partners. Each name of a guest or a third-party organization mentioned in this podcast is the property of the company to which it relates, is used here strictly for informational and identification purposes only and is not used to imply any ownership or license rights between any such company and Return on Life Wealth Partners. Return on Life Wealth Partners is not affiliated with its guest, nor does it provide compensation for such guest appearance. The content of this podcast does not constitute a recommendation from any Return on Life Wealth Partners entity to the recipient and is provided for informational purposes only. Return on Life Wealth Partners is not providing any financial, economic, legal, investment, accounting, or tax advice through this podcast or to its recipient. 

Certain information contained in this podcast constitutes “forward-looking statements”, and there is no guarantee that these results will be achieved. Return on Life Wealth Partners has no obligation to provide updates or changes to the information in this podcast. Past performance does not guarantee future results, which may vary. Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability; therefore, including in respect of direct, indirect, or consequential loss or damage is expressly disclaimed.  Neither Return on Life Wealth Partners nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability therefor (including in respect of direct, indirect, or consequential loss or damage) are expressly disclaimed. The views expressed in this transcript are not necessarily those of Return on Life Wealth Partners and Return on Life Wealth Partners is not providing any financial, economic, legal, accounting, or tax advice or recommendations. 

Investment advisory services offered through Planned Financial Services, LLC, dba Return on Life Wealth Partners, an SEC-Registered Investment Adviser.