Marianne Poon, CFA, sits down with Broc Buckles, co-founder of BC Brokerage, an independent insurance brokerage working with fee-only financial advisors. Learn why the one question about carrier access can save you thousands, what to know about long-term care premium increases before buying a traditional policy, when term insurance beats whole life (and the rare cases when it doesn't), and why working with an independent broker who scans 100+ carriers protects you from being sold what pays the highest commission instead of what fits your actual situation. Learn more: www.onyxfn.com

Marianne Poon, CFA, sits down with Bettina Ristau, probate paralegal at Pasternak & Fidis, with 17 years of experience administering estates. Learn why signing your will is just the beginning, how a forgotten beneficiary designation can override your entire estate plan, why proper asset titling matters more than most people realize, and how the "three-legged stool" of estate planning, financial planning, and tax planning can save your family from doing expensive forensic work while grieving. Learn more: www.onyxfn.com | https://pasternakfidis.com

Marianne Poon, CFA, sits down with Carl Richards, creator of the Behavior Gap sketches and former New York Times columnist. Learn why financial planning is more about behavior than math, how to spot the blind spots holding you back, why simplicity requires navigating the messy middle first, and how to align your spending with what actually makes you happy, not just what you think should make you happy. More information: onyxfn.com | behaviorgap.com

Marianne Poon, CFA, sits down with Tiffanie Purvis, General Counsel at the Greater Washington Community Foundation. Learn how to maximize your charitable impact through tax-smart strategies like QCDs and appreciated securities, accept complex assets, and connect with local causes—all while seeing your philanthropy make a difference in your own backyard.

Learn more: thecommunityfoundation.org | www.onyxfn.com

Nothing in this podcast should be interpreted as legal advice. This podcast is intended for general educational purposes only. Every effort has been made to offer current and accurate information to listeners, but errors and omissions do occur. Neither the guest nor their employers assume liability or responsibility for any errors or omissions in this content.

Marianne Poon, CFA, sits down with Andrew Almeida, CFA, CFP, Director of Investment Services at XYPN, who she works with to manage her clients' portfolios. Discover how personalized portfolio management goes beyond the active vs. passive debate. Learn about tax optimization, managing concentrated positions, custom portfolios with human oversight—and why personalization can make all the difference in your wealth.

For more information: www.onyxfn.com

Marianne Poon, CFA and Financial Advisor, sits down with Buddy Griffiths, Chief Compliance Officer at XY Investment Solutions, to reveal the infrastructure that makes independent financial planning possible.

Key Topics:

• Fiduciary vs. suitability standards - why it matters for your money
• Fee transparency: AUM, fixed fees, hourly rates explained
• Digital security concerns and real-world fraud prevention
• Why credentials beyond CFP matter (like CFA charter holders)
• Trading errors: what happens behind the scenes
• The future of independent advisory services

Notable Quote: "The fiduciary standard means doing what is in the client's best interest. The broker dealer standard is that it just has to be suitable for someone - not even the person you're giving advice to."

Buddy oversees compliance for hundreds of independent advisors nationwide, ensuring they can focus on serving clients while meeting regulatory requirements. Learn how this infrastructure allows advisors to offer comprehensive planning, flexible fee structures, and personalized service that big firms often can't match.

About Marianne Poon, CFA: Founder of Onyx Financial in Bethesda, Maryland. Specializes in intentional wealth management, helping clients align finances with values and long-term goals.

Connect: [email protected]

Educational content only. Consult a qualified financial advisor for personalized guidance.