Only Fee-Only

Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.

Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.

Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).

His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London. 

His commissioned work is on display in businesses and educational institutions across the globe.

Find Carl on social media here:
https://www.linkedin.com/in/thinkingcarl
https://twitter.com/behaviorgap


Music in this episode was obtained from Bensound.

Andy works with clients to not only discover their personal life vision, but assist in creating and executing a plan to help that vision become a reality. His responsibility is to act as a personal fiduciary, advisor, and confidant. Andy is most excited and proud to be a part of a team that not only cares about financial wellness, but strives to help client's flourish in all aspects of life.

"I work to help people uncover their life vision and develop a comprehensive plan to help them fulfill that vision.
 
I also host a podcast called 9 Minute Money Tips where I simplify complex money topics in 9 minutes or less.
 
Outside of financial wellness, I'm passionate about nutrition, fitness, and all things health and wellness.

I work to help people uncover their life vision and develop a comprehensive plan to help them fulfill that vision. I also host a podcast called 9 Minute Money Tips where I simplify complex money topics in 9 minutes or less. Outside of financial wellness, I'm passionate about nutrition, fitness, and all things health and wellness."

Music in the episode if obtained from Bensound.

Lei is on a mission to help her clients feel in control of their finances and be confident that they’re on the right track to achieve their financial goals. She serves clients all over the US and she’s fluent in English and Chinese 

She is a Chartered Financial Analyst as well as a Certified Financial Planner®. 

Lei came to the U.S. to pursue her Masters Degree in Finance from Washington University in St. Louis. Since then, Lei has enjoyed a career in investment management and has built expertise in investment evaluation, portfolio construction and asset allocation. 

Having watched friends and family struggle to find true advocates for their personal finances, Lei discovered that investing, while important, is only a piece of the puzzle in personal finance. That’s when she switched her focus to advocate for her clients’ overall financial wellbeing. Since then, she has enjoyed helping clients in not just investing, but also other areas of their comprehensive financial planning needs, such as tax planning, estate planning and insurance planning. 

Lei’s family live in the suburbs of Saint Louis, Missouri. She and her husband Julio love coming up with fun ways to celebrate her two children's Asian and Hispanic heritage, mostly through food. She is also a board member of a local nonprofit.

Music in this Episode 

MAX PASHMAN, CFP®

FINANCIAL PLANNER

Your priorities should be addressed by what's best for your needs rather than someone else's sales quota. Unfortunately, the traditional business model in the financial industry has failed to recognize this. Rather than jumping right into a client-facing role, Max decided to invest his time learning more about the financial sector. He worked for several successful teams that guided him towards the appropriate steps towards understanding the financial planning process over time. During his training, he assisted hundreds of households to get them closer to their financial goals and obtained his Series 7, 66, and life + health licenses. 

By the time he gained the appropriate knowledge, he had started building his book of business and established a successful online presence to push financial education for his followers. While advising clients at One Wealth Management, Max had begun to understand how he truly wanted to create the best financial planning for his clients. He realized to serve his existing and upcoming clients better required transforming his business into an actual fiduciary model. After obtaining his CFP designation, he founded Pashman Financial as a fee-only company built on that promise.

Twitter: Maxpashman

Music in this episode provided by Bensound

This episode pulls some of the best highlights from the episodes we have done so far!

If you haven't had the time to listen to some of the podcasts all the way through, this is a great way to get some amazing tips that you can directly integrate into your practice.

Check it out!




Music in this episode was obtained from Bensound.

Leland's Bio:


Hey there, I’m Leland!

I am passionate about building relationships and coaching people. It has been said that personal finance is more personal than finance. I find that true. When working with someone’s finances, I don’t often hear them talk about their investment returns right off the bat. Oftentimes I first hear them talk about the things they care about most in life like their family, their dreams, their fears, their stresses, etc. 

I believe finances are a tool in our lives that can cause one of two things; anxiety or confidence. I am passionate about helping individuals and families foster confidence and an abundance mindset around their life goals.

After many years working in the insurance and broker-dealer world, I grew tired of transactional relationships. I was working to do financial planning, but It was more product sales than relationships. That is where PeaceLink Financial Planning LLC came in. 

I founded PLFP to make a real difference in people’s lives. Through a focus on the financial planning process and building relationships, I am able to understand my clients and what they desire in life. This allows me to tailor advice in a way to maximize the resources at their disposal and help them develop the life that they long for both now and in the future. 

As a fee-only CERTIFIED FINANCIAL PLANNER™ ,I have the privilege of serving my clients nationwide to experience the life that they desire. Being “fee-only” means my only source of income is directly from my clients. I don’t get paid through hidden fees or commissions for selling products. This helps minimize the conflicts of interest in our relationship and puts us on the “same side of the table” to achieve your goals. 

When I am not working with my clients, you can find me spending time with my family (my wife, Lindy, our son, Levi, and our pup, Sutton) being with our family and friends, playing pickleball, or doing anything that involves water (swimming, surfing, boating).

Justin's Bio:

I founded Assist FP to help online fitness coaches and fitness entrepreneurs navigate the financial challenges associated with being a business owner.

The real me.. (keep scrolling for the professional version)

In my free time, I love to spend time with my fiancée, family, and friends. I’m usually in a gym or somewhere by the water during the summer (I hibernate during the winter). I love to read business and personal growth books, listen to podcasts, binge documentaries, or watch Boston sports during my downtime.

My fiancée is a travel nurse, so we currently bounce around the United States every 13 weeks.

I believe that life is too short to take it seriously all the time, so I try to inject humor often. A little laughter goes a long way.

Why did I become a financial planner?

I got my first job at the age of 17 while my peers focused on school. I grew up in a lower middle-class family until my father was disabled in his early 30’s which seemed to bring harder times. My parents did the best to provide for our family and I’m forever grateful for all they have done for me. I never went without the necessities. Rent was paid, lights were on, and food was always on the table.

After college, life gave me a crash course on personal financial planning. I didn’t know what the stock market was until I was 22 years old. I had to learn everything they don’t teach you in school. That led me down a path of taking control of my own financial life, and I fell in love with it, so I decided to go back to school to learn how to help others take control of their financial lives too!

Why did I start my own firm?

“Millennials want to be seen and heard by the financial planning profession.”

As a sophomore in college, I received a phone call that my mother had been diagnosed with Stage 4 lung cancer. She passed away 6 months after her diagnosis (on the day before her health insurance lapsed!!) at the young age of 40. I had to grow up a lot quicker than many of my peers, and I decided early on that I was going to be very intentional with how I built my life.

Like many of you, I have always had the entrepreneurial itch. My first entrepreneurial endeavor was the classic lemonade stand story. I grew up in a neighborhood with an outdoor basketball court, and during the summer they had men’s league games. I saw an opportunity and convinced my mom to let me set up a Gatorade stand next to the courts and started selling.

I knew from day 1 of pursuing the journey of becoming a financial planner that I wanted to create my own business that was different from any other financial planning firm you’ve seen.

Let’s shake up the traditional model of the financial industry together.

Professional..

Certified Financial Planner™ Professional

Master of Science in Personal Financial Planning, Kansas State University

I decided to pursue my interest in personal finance a few years after receiving a Bachelors of Science in Sports Management from the State University of New York at Cortland. I was living in Manhattan, Kansas (the Little Apple) at the time and I decided to enroll in the Personal Financial Planning program at Kansas State University.

In 2016, I completed the education requirement of the CFP® certification and entered the profession at a small fee-only firm on Cape Cod, MA. During that time, I became a CFP® Professional after fulfilling all of the necessary requirements. In December 2019, I graduated from K-State with a Master of Science in Personal Financial Planning (MSPFP).

At some point, I will probably add more designations and add to the alphabet soup after my name.


Music in this episode is provided by bensound.

Zechariah's Bio:

Professional Zechariah 👨‍💼
In his role, Zechariah loves the challenge of communicating complex financial information and the joy of building long-term relationships with clients. He begins each of his partnerships with a series of conversations to discover and prioritize his client’s goals and interests. Zechariah is dedicated to his clients and works hard to provide high-quality service to ensure they remain on track to reach their financial goals.

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During his schooling, Zechariah discovered his passion for empowering others to achieve financial freedom through tailored education and mentoring. He completed his financial planning degree at Liberty University and has worked at several premium boutique wealth management firms.

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One common theme that he noticed during his time working at those firms was the immense challenge that finding excellent, personalized financial help is for young people. He founded Ascent with the objective of providing this group of people with the quality financial help they need.

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Weekend Zechariah 😊

I’m all about living life as the adventure that it is! My passions are getting to know people deeply through genuine conversations, discovering unique coffee shops, & exploring the Blue Ridge Mountains, where I live. If I’m not outdoors, then I’m in a coffee shop helping someone reach their financial goals.

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I'm a technologist, advocate for accessible financial advice, & excited to be a part of the movement revolutionizing financial planning.


Music in the episode is provided by Bensound.

Angels Bio:

Angel has worked in the financial services industry since January 2018 after attaining a Bachelor of Science Degree in Personal Financial Planning from Texas Tech University. Texas Tech University is often regarded as the top university for financial planning and has produced more industry leaders than any other.

Angels’ primary goal as a financial planner is helping his clients light a financial path to dignity, awareness, hope and a worry-free life. Angels experience working with both the large broker-dealers and small family offices has allowed him to create a financial planning experience that is both personal and actionable allowing the client to achieve financial peace of mind faster.

Angel is an active volunteer in VITA, which is a nonprofit program that assists low-income individuals in getting their taxes done free-of-charge. Being involved in this program to help give back to the community is something Angel takes pride in.

In his free time, Angel enjoys being active, trying out new locally-owned restaurants, breweries, theaters, and other local businesses.

Music in this episode is from Bensound.

Tim Woodward Bio:

I am a number-cruncher to the core. I strongly believe that a data driven approach to wealth building is the key to helping people understand how even small decisions can significantly impact financial goals. 

I help simplify financial decision-making by letting the data do the talking and by applying my engineering brain to interpret numbers and translate what they’re saying into plain, simple, English.

I am a CERTIFIED FINANCIAL PLANNER™ professional and joined the industry following a successful “first” career in engineering. I believe in the value of wealth building for all families and the positive impact that good stewardship has on yourself, your marriage, your family and your community.

I have always had a passion for helping others, and now I'm fortunate to help blended families navigate these same complexities that we have experienced on our blended family journey.

I have a heart for marriage, for families and blended families who desire great relationships combined with financial freedom. I love to spend time with my wife Alexis and our boys Conner & Christian. You will often find us outdoors exploring new parks, hiking, biking, camping or hanging out by the pool.

Alexis Woodward Bio:

As a kid, I loved the idea of saving towards a goal. Before I was old enough to have a job, I was running around my neighborhood trying to see how many lawns I could mow, which was pretty unusual for a girl in middle school.

I have always had a passion for Finance and Entrepreneurship, from mowing lawns to later begging my grandma to let me attend her financial planning meetings with her advisor. So if someone would have told the younger version of me that I would eventually be a financial planner, I wouldn't have been surprised. Now if someone had said that I was going to marry a man with 2 kids, I would have definitely looked at them like they were crazy!

Fast forward to today, I am a CERTIFIED FINANCIAL PLANNER™, wife to my very best friend, stepmom, Believer and Co-Founder of Blend Wealth. I have a strong passion for marriage and a heart for blended families. I love being a family that serves families. We make a great team as Tim loves to crunch the numbers and I love to dig deep into the relational and emotional side of money.

Tim and I are fortunate enough to understand the benefits of having our financial life in order, and we want to help others do the same! Diving deep into our financial situation has brought more organization in our lives, stability in our marriage and more freedom in all areas of our life.

Music in Episode by Bensound.