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In this episode of The Smarter Vet Podcast, host Tom Seeko talks with Dr. Jennifer Merlo, Vice President of Veterinary Affairs at Fear Free. Dr. Merlo shares her unique career path—from clinic ownership to corporate leadership—highlighting the real challenges of HR, marketing, and financial stress in veterinary practice. She opens up about the importance of financial planning, especially after becoming a parent, and how a trusted advisor made all the difference. The episode also explores the mission behind Fear Free and how it’s transforming the veterinary experience for pets, clients, and teams.

To learn more about Fear Free and their mission, visit here. Connect with Jennifer on LinkedIn here.

Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us

Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

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In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down how current global events, inflation, and rising interest rates are affecting both the economy and everyday financial decisions—from buying a home to running a veterinary practice. They explore why pricing adjustments are crucial for business owners, how to navigate uncertain investment opportunities, and the difference between smart investing and speculation. Tune in for practical tips on building long-term financial stability through budgeting, planning, and emergency savings. 

Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us

Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

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In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down the critical role life insurance plays for veterinarians and business owners. They cover the key differences between term and permanent policies, common uses beyond just death benefits—like income replacement and business buyouts—and why reviewing your coverage regularly is essential. Whether you own a practice or just want peace of mind, this episode helps you align your life insurance with your financial goals.

Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us

Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

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In this episode of The Smarter Vet Podcast, Tom Seeko and CJ Burton simplify financial health by comparing it to checking a patient’s vitals. You’ll learn the four key "financial vital signs"—cash flow, net worth, debt, and emergency fund—and how small steps like tracking spending can improve them. Progress, not perfection, is what leads to less stress and more control.

Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us

Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

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In this episode of The Smarter Vet Financial Podcast, we dive into Chapter 4 of our book, “Unleashed: The Financial Clarity Every Veterinarian Needs,” focusing on one of the most powerful yet often ignored habits: intentional saving. We explain why aiming to save 20% of your income creates more than just wealth—it builds stability, flexibility, and confidence in your financial future. You’ll learn the difference between saving to spend and saving to build, why emergency funds shouldn’t be lumped in with long-term investments, and how to resist the pressure to overspend in life.

Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us

Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

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In this episode of The Smarter Vet Financial Podcast, we chat with Dr. Ernie Ward—veterinarian, author, and pet advocate—about finding joy in veterinary life and beyond. He shares insights on overcoming self-doubt and navigating toxic work environments, and debunks the myth that price is the primary concern for clients. Dr. Ward highlights the power of self-leadership, staying curious, and prioritizing mental, physical, and emotional health—starting with quality sleep.

Learn more about Dr. Ward and contact him: Dr. Ernie Ward, DVM, CVFT | Instagram, Facebook | Email

Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”
Buy Now: Book – Unleashed | Florida Veterinary Advisors

—–
 Extra resources galore!
 Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment:
 Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/ 

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
 Schedule a time: https://flveterinaryadvisors.com/contact-us

Check out our social media channels:
 Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

Cohosts CJ Burnett and Tom Seeko dive into the anxiety many veterinarians feel about current events, like tariffs and economic uncertainty. While we can’t control everything, they highlight how having a financial plan in place ahead of time can help you stay calm and avoid knee-jerk decisions. Just like preventative care in veterinary medicine, a solid financial plan helps you prepare for the unexpected. They also suggest looking into guaranteed and liquid investments—and focusing your energy on the things you can control. 

Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”

Buy Now: Book – Unleashed | Florida Veterinary Advisors

—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

Cohosts CJ Burnett and Tom Seeko discuss a heavily felt topic that is not often talked about openly. There are good reasons why people stress, and sometimes those stressors can be a result of poorly communicated expectations and prior life experiences. This episode is meant to help expand your mind and, hopefully, see things a bit differently than before to "unstuck" yourself. 

They explore the impact of negative thinking and stress on overall well-being, drawing parallels between mental burdens and physical hindrances. The hosts discuss strategies for managing worry and achieving a healthier mindset, referencing personal experiences and the importance of acknowledging and processing difficult emotions. Ultimately, they advocate for personal growth as a continuous pursuit of inner peace amidst life's inevitable challenges.

Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”

Buy Now: Book – Unleashed | Florida Veterinary Advisors

—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

Cohosts CJ Burnett and Tom Seeko discuss a common question people ask when a veterinarian starts a new job or when a practice owner starts a 401(k). Before combining all your IRAs into an employer-provided 401(k), there are a few vital considerations and questions to ask. Join CJ and Tom before taking that next step so you can get the most from your savings and investments. 

Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”

Buy Now: Book – Unleashed | Florida Veterinary Advisors

—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text

Selling a veterinary practice is a major decision that requires careful planning and strategy. In this episode, Tom Seeko, co-founder of Florida Veterinary Advisors, sits down with Bill Murray, founder of Wicklow Healthcare Advisory, to discuss the evolving landscape of practice sales. With 25 years of experience in the veterinary industry—primarily in lending—Bill now helps veterinarians navigate their exit strategies.

From financial readiness to understanding the emotional side of selling, they break down key factors every practice owner should consider. Whether you're thinking about selling in the near future or just starting to plan your exit, this conversation offers valuable insights on maximizing practice value, avoiding common pitfalls, and ensuring a smooth transition for your team and clients.

Find Wicklow Healthcare Advisory on Linkedin

Find Bill on Linkedin

Find Wicklow Healthcare Advisory on X

Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”

Buy Now: Book – Unleashed | Florida Veterinary Advisors

—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/

Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/

Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/

Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us

Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors

YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ