Welcome to this special episode of the MILMO Show! Today’s my birthday, and I’m celebrating by doing something I love—talking business, family, and protecting what you’ve worked hard to build. And I get to do it with my cousin, Mark Flanigan.

Mark is an intellectual property lawyer with experience spanning startups to Fortune 500 companies. His work has spanned patents for medical devices, trademarks for global brands, and volunteer advocacy on behalf of veterans. He’s also an Army brat who now calls Switzerland home.

In this episode, we dig into the world of trademarks—what they are, why military service members, veterans, and spouses should care, and how to avoid costly mistakes when naming or branding your business. Plus, we swap a few family stories, because it’s my birthday, and you know I’m going to have some fun.

So if you’ve ever wondered whether your business name is truly protected, or what you can and can’t use when it comes to military terms and logos, you’re in for both practical wisdom and a good laugh in this episode.

https://milmo.co/podcast/trademarks-for-small-business

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Budgeting is one of those words that makes a lot of people squirm but it doesn’t have to. In this episode, I sit down with Zach Whelchel, founder of My Budget Coach, to talk about the method that gave him (and so many others) true financial clarity, which is zero-based budgeting. Zach breaks down what it is, why it works for both steady and variable incomes, and how couples can actually turn it into a shared vision instead of a source of stress.  https://milmo.co/podcast/zero-based-budgets

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We’re diving into the world of geofencing with Navy veteran and entrepreneur Chris Seminatore. Chris is the founder of Get Geofencing, a company that helps businesses, from car dealerships to government contractors, use location data to put their ads in front of the right people. 

He shares how geofencing works, what it costs, and why it’s a tool that even small businesses and military spouses can use to grow their brand. We also talk about his own transition from military intelligence to marketing, how discipline helped him face imposter syndrome, and the lessons he’s learned from building multiple startups.

https://milmo.co/podcast/geofencing

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There’s something that's quietly stealing joy from the military community and millions of Americans every single day. It’s something that has completely warped our understanding of what financial success looks like.

In this episode, I’m breaking down how social media is impacting people’s financial lives and sharing why getting back to basics isn't just smart, it's essential for our mental health and financial well-being.

https://milmo.co/podcast/true-financial-success

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Starting a business is hard enough, but starting one with a mission bigger than turning a profit can feel like navigating a battlefield. The obstacles are real, like cash flow challenges or forces beyond your control, but so are the rewards when your work changes lives.

In this episode, we’re talking about what it takes to build a business that stands for something. Matt “Griff” Griffin, West Point graduate, Army Ranger, and co-founder of Combat Flip Flops, shares how he transformed lessons from special operations into a global brand manufacturing products in conflict and post-conflict zones. You’ll hear the hard truths about bootstrapping, the difference between nonprofit and for-profit mission-driven models, and why “fail cheap, learn fast” might be your best strategy for impact. https://milmo.co/podcast/mission-driven-business

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When your military career ends, the mission doesn’t, but figuring out what’s next, or what truly lights you up, can be one of the hardest transitions. It’s not just about finding a new job. It’s about rediscovering what matters most and learning how to fund the life you want, not the one you think you’re supposed to have.

In this episode, Omen Quelvog and I discuss values-first financial planning. Omen shares what it is, why it matters, and how it can help you and your family navigate life after service with intention. You’ll hear how to rethink your next chapter, what abundance really means, and why military retirees might be more financially ready than they realize.

Omen is the founder of Formynder Wealth Management, a fee-only financial planning firm helping military families build purpose-filled lives after service. A retired Marine Corps officer with 25 years of service, he holds the Military Qualified Financial Planner® designation and is a candidate for CFP® certification.

https://milmo.co/podcast/values-first-financial-planning

02:15 – Why values first financial planning matters for military families 04:10 – Starting with your “why” before creating a financial plan 06:02 – Common money challenges during the transition to civilian life 08:15 – How defining your “North Star” shapes every financial decision 10:05 – The emotional side of money and why it’s often overlooked 12:20 – Real-life examples of aligning spending with values 14:05 – The role of intentional trade-offs in living your ideal life 16:12 – How to filter out distractions and stay focused on priorities 18:30 – First questions to ask if you’ve never done values-based planning 20:45 – Bridging the gap between short-term needs and long-term goals 23:00 – Why flexibility is key in military-to-civilian transitions 25:12 – Building resilience through purpose-driven financial choices 27:05 – How this approach strengthens family relationships 29:15 – Final advice for living with clarity and intention

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Too many people wait until they’re just a few years from retirement to start asking the big questions, like Can I afford to stop working? And what if my spouse isn’t retiring yet? The truth is, preparing for retirement isn’t just about portfolios and percentages. It’s about aligning your finances with your life.

In this episode, Jeff Panik shares the common mistakes people make before retirement and offers advice on how to avoid them. He talks about why inventorying your financial life matters, what conversations couples should be having, and why testing your retirement lifestyle before you actually retire can be a game-changer.

Jeff is the Founder of Balance Wealth Partners and a financial advisor with over 25 years of experience. A U.S. Army veteran and first-generation college graduate, Jeff combines disciplined insight with deep empathy to help pre-retirees navigate the complex landscape of Social Security, Medicare, income planning, and succession strategy. His firm was founded on a simple mission: to help people live well today while preparing wisely for tomorrow.

Jeff’s approach is rooted in life experience, from paying off student loans through military service to building a career that demystifies money for others. He believes financial advice should be practical, transparent, and deeply human. He is the author of Your Future Is Now, a personal finance guide for young adults, and is set to release his upcoming book for pre-retirees. His work reflects a deep commitment to fostering financial literacy for all generations. When he’s not advising others, Jeff enjoys traveling, spending time with his family, and following sports— especially from his home base in Sandy Springs, Georgia. 06:05 – The #1 mistake people make 5–10 years before retirement 08:30 – Is the “perfect portfolio” really the goal? 10:35 – Why taking a “financial inventory” is a retirement game-changer 12:10 – What to do if you're not naturally organized with money or documents 13:30 – The surprising truth about hobbies and moving in retirement 14:45 – Couples and retirement: how to navigate different timelines 16:25 – Important financial conversations to have before marriage 18:00 – Perception vs. reality: social media and financial stress 19:57 – Why mentorship and storytelling matter in personal finance 23:15 – What retirees often overestimate—and what they underestimate 24:49 – The very first move to make if you haven’t started retirement planning 27:30 – Retirement and health: why you can’t afford to wait 29:22 – Jeff’s favorite tools, including how he uses AI for planning 31:36 – The book that shaped Jeff’s financial philosophy 33:15 – Game Time: “Is It Real?” – Jeff faces off with banana museums and reverse zoos

https://milmo.co/podcast/retirement-mistakes-to-avoid

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Losing a spouse changes everything, emotionally, mentally, and financially. But while grief is often discussed, the money struggles that come with it are rarely part of the conversation, or just grief in general. From paperwork and decisions to pressure and overwhelm, surviving spouses are often expected to figure it all out. In this episode, Certified Financial Planner and Air Force veteran, Daniel Kopp, talks about the financial side of grief, what widows and widowers really face after loss, the emotional weight behind every decision, and how to find stability when your world feels upside down. He shares both his personal experience and professional insights on navigating life after loss.

Daniel Kopp, MA, MS, CFP ®, is a fee-only financial planner, financial therapist, and founder of Wise Stewardship Financial Planning, where he helps young widows and widowers as well as military members organize their financial lives by aligning money with their deeply-held values. 

He leverages his experiences as a widower and Air Force veteran to offer a deeper level of engagement and connection with his clients. He is also an XYPN and NAPFA member, as well as being a founding board member of the Military Financial Advisors Association (MFAA). Daniel’s education includes his undergraduate with a BS in Economics from Purdue University with highest distinction, an MA from American Military University, a Graduate Certificate in Financial Therapy and an MS in Personal Financial Planning from Kansas State University (KSU). He has been published in the Journal of Financial Therapy for his research on working with widows dealing with money avoidance. https://milmo.co/podcast/life-after-loss

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Military life comes with lots of transitions and career decisions are a big one, especially for spouses navigating remote work, PCS moves, and family schedules. A big decision many milspouses face is whether to stick with the stability of a W-2 job or switch to the flexibility and income potential of 1099 contract work.

In this episode, I’m answering a listener's question from Holly about whether she should leave her W-2 remote job and take on 1099 work instead. I’ll break down the pros and cons of each path, especially for military families, including taxes, benefits, portability, and peace of mind so you can weigh your own decision with more clarity and confidence. https://milmo.co/podcast/listener-question-1099-career-switch

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Veteran homelessness is a heartbreaking reality that still exists in communities across the country. While many of us want to help, it can be hard to know where to start, or feel like what we can give really makes a difference.

In this episode, Tom McLean and I are talking about how small, everyday actions can add up to real change for veterans in need. We talk about the current crisis of veteran homelessness, what meaningful support looks like, and how anyone, military or civilian, can take action that matters.

Tom serves as Senior Vice President and Military Retail Executive for Armed Forces Bank, having worked for the company for 17 years. He is responsible for sales, business development and financial outreach at military banking locations around the country. He spends time focused on Associate development, coaching, marketing, business development, financial education initiatives, supporting installation activities and community outreach. https://milmo.co/podcast/veteran-homelessness

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