Talking about money with your family can be a sensitive and uncomfortable topic. But when it comes to inheritance, avoiding the conversation often leads to confusion, conflict, and unnecessary stress. Many parents assume their kids will “figure it out,” but today we’ll explain why leaving an inheritance as a surprise often does more harm than good.

In this episode, we’re talking about why talking openly with your children—or vice versa, with your parents—about finances and succession plans is one of the most important conversations a family can have.

Whether you’re a parent who is ready to start legacy planning or an adult child wondering how to delicately approach your own parents about their financial situation, this episode offers practical advice on creating clarity, reducing friction, and keeping families connected when stress and emotions are often running at their highest.

KEY TAKEAWAYS: 

• Why Talking About Inheritance Matters
• The Downside of Keeping Kids in the Dark
• Tips on Getting the Inheritance Talk Started
• Bringing Kids Into the Planning Process

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/talk-to-your-family-about-inheritance

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

What if you could prevent one of the biggest regrets retirees face and spend more of their money early on in retirement? Too often, the fear of the unknown prevents people from enjoying the wealth they have worked so hard to build. So today, we’re talking about a very common challenge that many retirees face: spending with confidence. 

We discuss the popularity of the “jar system” for saving for vacations, kids, and home projects, and how it can be reimagined for retirement. Instead of just saving into buckets, we discuss the concept of creating “spending buckets” that ensure your money is used for what matters most—whether that’s travel, family time, or hobbies you love.

This episode is about more than money and spending habits. It’s about building confidence, conquering fear of the unknown, and creating a retirement where every day feels like it’s Saturday.

KEY TAKEAWAYS: 

• What Mike Would’ve Done Differently in His 30s
• Budgeting Lessons from Their Early Years
• Why Retirees Often Stop Strict Budgeting
• The Fear of Spending in Retirement
• Converting Saving Habits into Spending Habits
• Financial Planning Conquers Fears of Spending

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/spend-more-in-retirement/

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

When Kim White unexpectedly inherited money from her father, she found herself grappling with an unexpected emotion—guilt. Burt and Kim spent their lives working hard, living modestly, and saving diligently, so they had to adjust to the idea of having “extra” money. 

In this heartwarming conversation, Kim describes how her initial guilt gradually evolved into a purposeful passion for giving. She explains the emotional steps she took to embrace her inheritance, ultimately channeling her resources into causes she cares deeply about and providing extra gifts to her children, allowing her to witness the benefits in her lifetime.

You’ll hear the story of how they met as teenagers in Taiwan and how their shared childhood as military brats shaped who they are today. We discussed their many adventures, lessons learned from decades of marriage, and the wisdom they’ve gained about money, generosity, and relationships. 

By the end, Burt and Kim’s story will undoubtedly inspire you to think about what truly matters and how to live a life that’s both meaningful and fulfilling.

KEY TAKEAWAYS: 

• Introducing Bert & Kim White
• How Burt & Kim Met.. in Taiwan
• Growing Up as Military Brats Around the World
• How Kim Found Her Calling with Special Education
• Raising Kids in the 90s vs Today
• Lessons Learned from Parents About Money 
• Favorite Memories From Raising Their 2 Boys
• Opposites Attract: Finding a Balance in Marriage
• Biggest Regrets About Saving & Not Spending Money
• Replacing Guilt with Charitable Giving
• A Fulfilling Retirement with Purpose & Making a Difference
• Rapid Fire with Burt & Kim’s Favorite Things

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/bert-kim-white

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes. 

This episode features a client engaged with Arcadia as of this recording, who is sharing their personal experience. Their opinions are their own and do not necessarily reflect the views of Arcadia. This client received a token of appreciation of nominal value for their participation. They were not promised or provided additional compensation, preferential treatment, or investment advice for appearing. 

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

Estate planning isn’t just for the wealthy—it’s essential for everyone, especially if you have kids. Protecting the people who depend on you means planning for what happens if you become incapacitated or pass away unexpectedly. In today’s episode, we explore why putting it off is one of the biggest mistakes you can make.

We’re joined by estate planning attorney Liz Nolin of Nolin Law, a trusted partner who works closely with our clients to make sure their legacy is preserved and their loved ones are protected. Liz walks us through the essential legal documents in any estate plan—from wills and trusts to powers of attorney and healthcare proxies—and explains why they are important.

She breaks down the essentials in simple terms, showing how proactive planning can ensure your wishes are honored, your family is protected, and unnecessary stress is avoided. 

Whether you're starting from scratch or updating an existing plan, this episode is packed with clear, practical steps to help you move forward—without the legal jargon and intimidating leather-bound binders.

KEY TAKEAWAYS:

• What Estate Planning Really Covers (It’s Not Just Death)
• The Documents Every Estate Plan Should Have
• Three Ways Estate Plans Protect Your Family
• The Best Time To Start or Update Your Estate Plan
• Biggest Mistakes You’ll Want to Avoid
• Proactive Legal Planning > Reactive Legal Services
• Three Action Steps to Get Your Plan Started

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/liz-nolin

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes. 

This episode features a client engaged with Arcadia as of this recording, who is sharing their personal experience. Their opinions are their own and do not necessarily reflect the views of Arcadia. This client received a token of appreciation of nominal value for their participation. They were not promised or provided additional compensation, preferential treatment, or investment advice for appearing. 

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

Retirement is just around the corner, and the stars have aligned so that you and your spouse can retire together. Sounds perfect, doesn’t it? However, it can also become a recipe for disaster without thoroughly considering the pros and cons first.

In today’s episode, we explore the perks, surprising complexities, and challenges of when married couples retire together. From enjoying newfound freedom to facing unexpected and unwanted friction, we break down what this life transition can look like and how to prepare for it.

Whether you're months away from retirement or simply planning ahead, we’re diving headfirst into the upsides and downsides of retiring simultaneously, from built-in companionship and shared adventures to differing routines, expectations, and the dreaded "honey-do" list.

KEY TAKEAWAYS:

• Retiring at the Same Time: Dream or Disaster?
• The Advantages of Retiring aTogether
• The Downside of Retiring Together
• Communication is Critical to Finding Balance
• Can Women be Too Good at Keeping Busy?
• Creating Structure and Routines Will Pay Off

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/retiring-together

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

What if the person managing your retirement isn’t qualified—or worse, isn’t trustworthy?

In today’s episode, we’re sharing advice on how to choose a financial advisor you can actually trust. They run through some common red flags to watch out for, the importance of referrals, and how designations like CFP can be indicative of trustworthiness, but not always a guarantee of it.

We’ll explain why financial advisors who rely heavily on jargon and acronyms can be a red flag—and why the ability to simplify complex concepts is a strong sign of someone you can trust. After all, before handing over your hard-earned money, it's essential to thoroughly vet any advisor to make sure they’re the right fit for you.

From trusting your gut to using practical tools like BrokerCheck, this episode is packed with tips and tricks to help you avoid bad actors in the financial world. Whether you're looking for your first advisor or reevaluating your current one, this episode is your great start to a more secure retirement.

KEY TAKEAWAYS: 

• The Search for a Financial Advisor You Can Trust
• Beware of Fake Google Reviews 
• Ways to Determine That a Financial Firm is Legit
• Making Sense of the Alphabet Soup Designations
• Using BrokerCheck to Confirm Worthiness

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/choose-a-financial-advisor

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

What if your best intentions for leaving an inheritance actually led to stress, resentment, or legal battles?

Today, we’re tackling the unfortunate and messy reality of estate planning, specifically inheritances. From confusing probate procedures to the unintended consequences of leaving everything to your kids “equally,” we’ll break down how to avoid chaos and preserve your legacy the right way.

You’ll learn why just having a will might do more harm than good, how a trust can help your family avoid probate, and why choosing the right trustee is one of the most overlooked decisions in estate planning. 

We’ll also discuss some of the most common creative conditions you can place on your trust—like requiring volunteer hours or tying funds to academic performance—to ensure your values live on after you're gone.

This episode is a guide that will help you avoid costly mistakes and protect your loved ones from unnecessary stress.

KEY TAKEAWAYS: 

• Why Wills Don’t Protect You from Probate
• What Really Happens in Probate Court
• Benefits of Using a Trust In Addition to a Will
• The Dangers of Splitting the Money Evenly Between Kids
• Most Common Conditions That Are Added to Trusts
• Choosing the Right Trustee (and Why It Matters)
• Professional Trustees: When it Makes Sense to Use Them
• Involving Your Kids in Estate Planning Matters Is a Good Thing

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/leave-an-inheritance-without-mess

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

In this inspirational conversation, Al Chau shares his journey from his early childhood in Peru to the transformative decision to move to the United States as a teenager with his mother and brother. Al opens up about the cultural complexity of growing up as a Chinese-Peruvian and how his experience of living in the U.S. shaped his identity into becoming the great husband and father that he is today.

After arriving in the United States and earning scholarships to study chemistry and engineering, Al found his footing in the pharmaceutical industry, where he built a successful career that enriched his life and allowed him to raise a family. He reflects on the challenges he faced when immigrating to a new country, the family values that grounded him, and the importance of hard work and humility as pillars for success and the American Dream.

In our conversation, Al offers thoughtful insights on what it means to have enough money to live comfortably. From growing up in an upper-middle-class home in Peru to losing everything and arriving in the U.S. with just $100 in life savings, his perspective on family, purpose, and building a life with meaning will resonate with anyone navigating big transitions or questioning what comes next.

KEY TAKEAWAYS:

• Introducing Al Chau
• The Culture Shock of Moving to the U.S. From Peru
• Honing His Skills By Helping Mom With Her Business 
• Mom Was Lenient Most of the Time, Not Always!
• Earning scholarships at Cornell University, then dropping out
• The First Real Job After College Was An Accident
• Al’s Entrepreneurial Journey and Meeting His Future Wife
• How Al Competed with Competitors in Pharmaceuticals
• Al’s Entrepreneur’s Mindset and Key to Success
• Having fun “intentionally” losing a child at the zoo
• Navigating Entrepreneurship and Raising Kids
• Pursuing a New Passion as a Pilot
• Al’s future aspirations and living everyday like a Saturday

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/al-chau

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes. 

This episode features a client engaged with Arcadia as of this recording, who is sharing their personal experience. Their opinions are their own and do not necessarily reflect the views of Arcadia. This client received a token of appreciation of nominal value for their participation. They were not promised or provided additional compensation, preferential treatment, or investment advice for appearing. 

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

What if the beliefs you’ve built your retirement plan on were flat-out wrong?

In this episode, we’re breaking down 5 of the most common myths we hear about retirement and how they can quietly sabotage your financial future if you’re not careful.

From thinking you’ll spend less because your mortgage is gone, to blindly believing life is cheaper in retirement, to rushing to claim Social Security before it disappears—these myths may feel logical, but they’re often dangerously misleading.

You’ll also hear how to plan for down markets in retirement, how healthcare costs sneak up fast, and why estate planning isn’t just for the ultra-wealthy.

Bottom line: Retirement planning isn’t one-size-fits-all. And believing the wrong thing at the wrong time can cost you.

KEY TAKEAWAYS

• Why There’s So Much Misinformation About Retirement
• Is Life Cheaper In Retirement? 
• The Truth About Social Security Going Away
• How to Plan for Down Markets in Retirement
• Retiring Mortgage-Free Doesn’t Equal Extra Cash
• Do I Really Need an Estate Plan?
• You Need a Retirement Plan Built for You

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/retirement-myths

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

There is growing concern among Americans with recent headlines that Social Security will run out of money in the next 10 years. And rightly so.

Retirees paid into it all their lives and have earned it. And yet, those who still have 10, 20 or 30 years until retirement have serious concerns about what will be left for them.

In this episode, we’ll break down the factors that are contributing to Social Security’s shortfall and discuss what are the likeliest scenarios for any changes by the Federal government. Above all else, we’ll give you a few reasons not to panic and avoid making rash decisions if you’re thinking the time for you to collect is now.

KEY TAKEAWAYS:

• Will Social Security Run Out of Money?
• Why Social Security is Collecting Less Money
• Why Adding to the National Debt Is Not an Option
• Should Social Security Be Privatized?
• Reasons Not to Panic and Make a Bad Decision

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/future-of-social-security

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.