Smarter Planner Podcast

In this episode host, Belle Osvath, CFP®, interviews Rich Arzaga, CFP® CCIM, the Founder of The Real Estate Whisperer Financial Planning. Rich specializes in creating detailed financial plans that analyze and evaluate client real estate holdings. His approach provides valuable insight far beyond what most planners provide and has allowed him to build a thriving practice in a highly sought after niche.

Rich believes that most financial planners fall short when it comes to this major asset class. He talks about his approach and how planners can get the training they need to better serve their clients.

Links:

• Website: https://www.whisperre.com/
• LinkedIn: https://www.linkedin.com/in/richarzaga/

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FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

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The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPANCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host Belle Osvath, CFP® interviews Gary Cox about a unique health insurance option that allows some self-employed individuals to purchase health insurance as a "Group of One" instead of an individual policy which may result in reduced cost and broader coverage.

Gary talks about this type of coverage, who may want to consider it and how you can locate a skilled insurance professional in your state to help you identify if this option is available for you or your clients.

If you have small business owner clients, this is the show for you.

Links:

• Gary's email: [email protected]
• NABIP Find An Agent: https://nabip.org/looking-for-an-agent/find-an-agent

FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

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The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPANCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host Belle Osvath, CFP®, interviews Dan Moisand, CFP®, the current Chair of the CFP Board. They talk about the Board's latest initiatives and their recent expansion to include a 501c6 organization. Dan identifies the reasoning behind the shift in nonprofit status and how it allows them to introduce more people to the CFP designation, both prospective title holders and the public at large.

They also discuss the changing demographics of CFP holders and how the Board is working to shift those numbers to more accurately reflect national demographics with an ultimate goal of helping more people with their finances.

If you are a CFP holder or are just curious about the larger role the CFP Board plays in the profession. This is the show for you.

Links:

• Dan's Email: [email protected]
• CFP Pro Bono: cfp.net/probono
• Foundation's Pro Bono Report: ffpprobono.org/research/

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FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

---

The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPANCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode Belle Osvath, CFP®, interviews Leo Rydzewski, General Counsel for the Certified Finacial Planning (CFP) Board, about the Board's proposed changes to two important documents. The Fitness Standards which govern who is eligible to hold the CFP mark and the Sanction Guidelines which provides direction on the consequences to a CFP holder that has engaged in misconduct.

Both of these documents are vital to the integrity of the CFP designation and are used by decision makers when determining the punishment for those found in violation of the Code of Ethics and Standards of Conduct.

Leo does a great job explaining what these documents contain, and why they are important. He also discusses the trial process for those who are accused of violations and who makes the decision to impose sanctions on those found guilty of misconduct.

The CFP Board is currently asking for your feedback before they officially update the documents so this is one episode you won't want to miss!

Links:

• CFP Board of Directors Request for Comments (includes PFDs of proposed document changes and public comment feedback survey): https://www.cfp.net/ethics/enforcement/proposed-revisions-to-sanction-guidelines-and-fitness-standards
• Leo's LinkedIn: https://www.linkedin.com/in/leo-rydzewski-35b0144/
• Leo's email: [email protected]

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FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

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The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host Belle Osvath CFP®, speaks with LTC Specialist Kelly Augspurger CLTC ®, CSA, about her structured approach to having the long-term care conversation with clients. She advocates steering the conversation away from the possible loss of independence and instead shift the focus to the ability of the client to potentially protect their family from hardship.

Kelly highlights the three questions planners should discuss with clients to determine their potential care needs. These questions help reframe the conversation and allow clients to understand and participate in the coverage calculation process.

Kelly also stresses that in order for planners to set their clients up for their best chance of insurability they need to have an in-office pre-screening process to be completed before any application is submitted.

If you are interested in creating a more productive and positive approach to your long-term care discussions, this is the show for you.

Links:

• Steadfast Insurance: https://www.steadfastagents.com/
• LinkedIn: https://www.linkedin.com/in/kelly-augspurger/

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FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host Belle Osvath, CFP® talks with Doug Pugliese who is the Head of 1042 QRP Strategies at Alpha Architect. They discuss 1042 exchanges which allow the owner of a closely held C-Corp to sell their equity to an employee stock purchase plan and defer long-term capital gains as long as they rollover the proceeds into a qualified investment. Doug talks about the benefit to a company and the employees when creating an ESOP and does an excellent job at breaking down the strategy behind the decision.

Doug also identifies which business owners are ideal candidates for this type of exchange and discusses the limited investment options that business owners have historically faced and how his team is working to change that.

If you have business owner clients our are just curious about this innovative approach to 1042 exchanges this is the show for you.

Links:

• National Center of Employee Ownership - NCEO.org
• LinkedIn
• Website - AlphaArchitect.com

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FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host Belle Osvath, CFP® interviews newly minted financial influencer, Colin Day, CFP®. They talk about his thirty-day journey from one follower to over one million video views on Instagram.

They discuss his experience and what he thinks was the key to his success. They also talk about how he is navigating his unexpected following and how he is managing the influx of prospective clients.

If you are curious about what it takes to go viral, this is the show for you.

Links:

• Linked-in: https://www.linkedin.com/in/colinday1/
• Instagram: https://www.instagram.com/colincorrectcap/

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FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

---

The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host, Belle Osvath, CFP® interviews Jim Blair and Marc Kiner, co-owners of Premier Social Security Consulting. They also created the National Social Security Advisor Certificate program which was the first national program to offer certificate training to financial planners for Social Security.

They talk about the current state of the Social Security Trust fund, what's on the horizon for benefits and where they think politicians may make changes to the program in the future. Jim and Marc also give a few eye-opening examples of benefit strategies that helped clients maximize their incomes, that (without professional guidance) the client would not have known about.

If you have baby boomer clients or are just curious about what the future of Social Security may look like – this is the show for you.

Links:

Jim Blair LinkedIn: linkedin.com/in/jim-blair-63527427

Marc Kiner LinkedIn: linkedin.com/in/ssrainmaker

Premier Social Security Website: premiersocialsecurityconsulting.com

NSSA® Certificate Program: premiernssa.com

FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

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The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host, Belle Osvath, CFP®, interviews Andy Panko, CFP®, RICP®, EA, the founder and owner of Tenon Financial, an RIA that provides clients financial planning and investment management services for a flat fee.

They discuss why he chose the flat fee model and how his choice has shaped his business. Andy also talks about how his decision has aided him in attracting his ideal client and eliminated some of the complexity that other firms face.

If you have ever considered moving to a flat fee model or wondered how firms that do maintain their profitability. This is the episode for you.

Links:

• Linked in: linkedin.com/in/andypanko/
• Website: tenonfinancial.com/

FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

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The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host, Belle Osvath, CFP®, interviews James Lee, CFP®, CRPC®, AIF® the current President of the Financial Planning Association (FPA) which is the leading membership organization for Certified Financial Planner™ professionals. James talks about the FPA's pursuit of title protection for financial planners, essentially regulating by law who is allowed to call themselves a financial planner.

They discuss the reasoning behind the FPA Board's initiative and how the change will benefit the entire profession as well as the general public. James is a passionate advocate for the planning profession, and he shares how he sees planners affecting not only their client's lives but impacting our society as a whole. He also reveals his vision for the future of our profession which may surprise you.

Links:

• Linked In: linkedin.com/in/jamesleecfp
• Email: [email protected]

FPA NCA News & Events: fpanca.org

Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17

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The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.