n this special live episode recorded at First Rate’s 2025 WealthTech Connect conference in Dallas, host Alex Serman sits down with Martin Tarlie and Matt Kadnar, co-founders of Nebo Wealth, for a fascinating conversation about the evolution of goals-based investing.

They unpack how Nebo bridges the long-standing gap between financial planning and portfolio construction—helping advisors deliver personalization at scale while driving client confidence and better life outcomes. The trio dives into:

• How Nebo’s goals-based optimization engine turns asset allocation into an output, not a starting point.
• Why personalization at the asset allocation level is the next frontier for wealth management.
• How tools like Nebo empower advisors to balance autonomy, compliance, and efficiency.
• The rise of alternative investments—and why advisors need frameworks, not just products.
• The human side of investing: building understanding to reduce emotion and improve decision-making.

Of course, it wouldn’t be Whiskey & WealthTech without a pour—this time, the First Rate Private Label Single Malt from Andalusia Whiskey Co., shared in front of a live audience.