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Many veterinarians say they don’t make enough, can’t change jobs, can’t reduce hours, or will “never be able to retire.” But is that really about income… or about options?

In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down why financial freedom isn’t defined by net worth or a big salary—it’s defined by flexibility. Whether it’s taking time off, changing clinics, relocating, starting a family, walking away from a toxic workplace, or even pursuing ownership, your options come from liquidity, structure, and boundaries, not your income level.

You’ll hear how lifestyle creep, locked-up retirement dollars, and lack of structure can make high earners feel broke—and how simple shifts like using a Wealth Coordination Account can help you create space, control, and the ability to choose your next step.

If you enjoy this episode, explore race-approved CE, masterclasses, and our book Unleashed: The Financial Clarity Every Veterinarian Needs at FLVetAdvisors.com. And if you haven’t already, leaving a rating/review on Apple or Spotify helps more veterinarians find this show.

Smarter Vet Podcast-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

Instagram-https://www.instagram.com/flveterinaryadvisors/
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

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In this episode of the Smarter Vet Financial Podcast, Tom Seeko welcomes back Andrea Crabtree of Furpaws Consulting for a candid conversation about leadership, communication, and accountability in veterinary practices. Andrea shares insights from her journey from practice manager to consultant and explains why communication breakdowns—not skill gaps—are often the root of practice challenges. 

Together, they explore simple but powerful ways teams can improve culture, retention, and performance through intentional training and curiosity-driven leadership. This episode is a must-listen for practice owners and managers who want stronger teams and healthier practices.

To contact Andrea, please check out the resources below...

Furpaws Consulting: https://www.furpawsconsulting.com/ 
 Executive Leadership Workshop:  https://www.furpawsconsulting.com/symposiums
 PAWSitive Leadership Podcast: https://www.podbean.com/pi/pbblog-zkq48-9bfab3
LinkedIn: https://www.linkedin.com/in/andrea-crabtree-bs-cvpm-sphr-phrca-ccfp-fear-free-000a7985/ 

 Smarter Vet Podcast-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

Instagram-https://www.instagram.com/flveterinaryadvisors/
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a text

On this episode of the Smarter Vet Financial Podcast, Tom Seeko and CJ Burnett, co-founders of Florida Veterinary Advisors, walk through a clear framework for answering one of the most common questions vets ask: “Am I financially on track?” They break your journey into four phases—25–30, 30–40, 40–55, and 55+—so you can see what typically matters most at each.

You’ll hear practical context around student loans, changing pay scales, the rise (and shifts) in relief work, when ownership or career pivots make sense, and how to build a retirement income plan that supports your lifestyle without guesswork.

If you enjoy this show, explore more resources at FLVetAdvisors.com, including our book Unleashed: The Financial Clarity Every Veterinarian Needs. And if this episode helped you, a quick rating/review on Apple or Spotify helps other vets find the show.

Smarter Vet Podcast-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

Instagram-https://www.instagram.com/flveterinaryadvisors/
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

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Is a “no‑fail” retirement plan actually possible?

In this episode, Tom and CJ break down why the traditional approach to retirement often falls short — and what it really takes to build income that lasts through every market cycle, tax change, and stage of life.

They walk through how to think beyond account balances, how timing risk affects retirement security, why tax diversification matters, and how to create predictable income instead of relying solely on market performance.

You’ll learn how to structure your assets with intention, build stability into your plan, and create a retirement strategy that works in real life — not just in ideal scenarios. 

Smarter Vet Podcast-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

Instagram-https://www.instagram.com/flveterinaryadvisors/
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a text

How do you actually build wealth — not just in theory, but in real life?
 In this episode, CJ and Tom walk through a simple, practical framework veterinarians can use to make smarter financial decisions with less stress and more clarity.

They break down how to assign a time horizon to each dollar, how to make sure money is accessible for real‑life needs, how to think about taxes in a strategic way, and how to evaluate risk beyond just investment volatility.

Whether you're early in your career or approaching retirement, this episode helps you understand how to structure your finances so you can adjust, pivot, and stay flexible as life changes.

Smarter Vet Podcast-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

Instagram-https://www.instagram.com/flveterinaryadvisors/
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a text

In this episode of the SmarterVet Financial Podcast, Tom Seeko sits down with Lindsay McMakin to explore the real-world challenges and opportunities in veterinary practice management. Lindsay shares her inspiring journey from receptionist to practice manager and consultant, offering actionable strategies for hiring with culture in mind, boosting financial literacy, and using technology to enhance — not replace — the human side of veterinary care. 

Tune in to learn how aligning your financial systems, improving accountability through regular meetings, and seeking expert guidance can help you build a thriving, sustainable practice.

Smarter Vet Podcast-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:

Instagram-https://www.instagram.com/flveterinaryadvisors/
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665 

Send a text

Saving money isn’t exciting, flashy, or fun — but it is the one habit that consistently builds real wealth. In this episode, the third of five in the series, CJ and Tom break down why aiming for 20% of your gross income is a game changer, why most people struggle to save, and how their Wealth Coordination Account creates control, clarity, and confidence in your financial life. 

With a few clicks, you'll be on your way to matching your career goals with your life's passions. We help hundreds of vets, like you, make confident decisions and take the next step toward knowing where you want to go in the future. On this page: https://flveterinaryadvisors.com/5-simple-financial-steps/ you will find resources that can help you become a World Class Saver, produce the most income through retirement, protect your most valuable asset and more. 

Smarter Vet Podcast-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

Instagram-https://www.instagram.com/flveterinaryadvisors/
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a text

Most financial plans don’t fail because of markets—they fail because of unplanned life events. In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko explain why risk is the silent plan killer for veterinarians and practice owners. They break down the real-world risks that can derail a plan, including disability, lawsuits, outdated legal documents, insurance gaps, and business-owner exposure. 

This conversation reframes risk management as resilience planning and challenges listeners to decide who they want absorbing the risk when life happens.

Smarter Vet Podcast-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

Instagram-https://www.instagram.com/flveterinaryadvisors/
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a text

If your finances feel more like a junk drawer than neatly folded laundry, this episode is for you. Tom and We kick off a five-part series by focusing on Step 1: getting financially organized so you can reduce stress, decision fatigue, and the “head-in-the-sand” feeling. You’ll hear a simple way to build a snapshot of your money—assets, debts, protection items, and cash flow—plus ideas for storing everything in one secure, easy-to-find place. 

Check the show notes for a downloadable checklist to help you gather the key documents and start building your system.

Smarter Vet Podcast-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 a text

Going into a new year can bring a lot of financial stress—especially when you’re trying to control things you simply can’t. In this episode, we break down the big categories you can’t control (markets, inflation/interest rates, and unexpected life events) and the areas you can control (savings rate, spending decisions, risk/insurance, debt strategy, and your investing approach). You’ll hear practical ways to reduce anxiety, avoid lifestyle creep, and build a financial “wall” that helps you absorb life’s curveballs. Pick one action step to start today—like increasing savings by 1%, tracking spending for 24 hours, or reviewing your insurance coverage.

Smarter Vet Podcast-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