In this episode of Money & Meaning, host Jeff Bernier speaks with Kacie Walsh, Vice President at Dimensional Fund Advisors. They explore Dimensional’s evolving toolkit of tax-focused investment solutions designed to help clients keep more of what they earn. The conversation spans mutual funds, ETFs, SMAs, exchange funds, and 351 ETFs, explaining how each tool fits into a broader tax management strategy. Kacie also outlines how Dimensional’s daily, data-driven approach supports personalized portfolios and long-term efficiency for investors.

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In this episode of Money & Meaning, Jeff Bernier connects 17th-century philosophy with modern financial planning. Using Blaise Pascal’s wager as a framework, Jeff examines how retirement planning isn’t about certainty—but resilience. He discusses scenario analysis, the role of Plan B, and why the best financial plans aren’t fixed, but adaptable. This episode is a timely reminder that thoughtful preparation—not prediction—brings peace of mind in uncertain times. 

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In this episode of Money & Meaning, host Jeff Bernier welcomes Rob Hoxton, founder of Hoxton Planning & Management and host of the Last Paycheck podcast. Rob shares his journey from aspiring minister to financial planner, exploring how life experiences shaped his unique approach to wealth management. They examine the evolving role of financial advisors, the impact of AI, and how to define a meaningful retirement. The conversation offers a compelling look at purpose-driven financial planning, multi-generational firm growth, and Rob’s vision for making a difference in underserved communities.

Topics covered:

● Rob Hoxton’s path from ministry to financial planning

● The philosophy behind Grow Greener and Think Ahead

● Defining “live rich vs. die rich” in financial planning

● Experience at Goldman Sachs and returning to independence

● Working with his son and building a multi-generational firm

● The future of financial planning with AI and technology

● Using AI tools to enhance human connection in advising

● Childhood money memories and their impact on financial behavior

● Helping clients uncover what matters most through money mind exercises

● Reframing retirement as a purpose-driven next act

● Rob’s “why” and the mission to serve more families

● Launching Shepherd University's financial planning program

● Looking forward: Rob’s excitement for family, business, and mentorship

● Encouragement for listeners seeking the right financial advisor

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In this Perspectives episode of Money & Meaning, host Jeff Bernier explores key year-end tax planning strategies shaped by recent legislation. He breaks down thresholds, deductions, and opportunities to optimize charitable giving—particularly through donor-advised funds and gifting appreciated securities. Jeff also covers how Roth conversions and qualified charitable distributions can be integrated into a comprehensive strategy aligned with both financial goals and personal values.

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Disclosures: This podcast is for informational purposes only and should not be considered tax or legal advice. Please consult your tax advisor for personalized guidance.

In this episode of Money & Meaning, host Jeff Bernier speaks with Carl Richards, certified financial planner and creator of the New York Times "Sketch Guy" column. Carl discusses his newest book, Your Money: Reimagining Wealth in Simple Sketches, a collection of drawings and essays that spark meaningful financial conversations. Together, they explore why strong financial decisions often begin with reflection, how we view money differently, and the value of building general resilience. Carl also shares practical approaches to planning and decision-making that align money with personal values.

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In this episode of Money & Meaning: Perspectives, host Jeff Bernier explores the tension between recognizing serious economic headwinds—such as massive government debt, rising interest rates, and a shifting global financial system—and maintaining a posture of rational optimism. Drawing on insights from Howard Marks, Brian Westbury, Matt Ridley, Mion Tuby, Gail Pooley, and Nick Murray, Jeff examines how to address sobering realities while staying committed to progress, resilience, and long-term investing. It’s a call to balance—informing your perspective without letting fear dictate your financial or life decisions.

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● The reality and risks of rising U.S. government debt and higher interest costs

● Howard Marks’ concerns about ignoring economic fundamentals

● Brian Westbury’s warning on government crowding out private innovation

● Foreign demand for U.S. debt and potential consequences of decline

● The psychological trap of pessimism in investing and life decisions

● Matt Ridley’s framework for rational optimism

● Data from Superabundance on human progress and resource abundance

● Nick Murray’s reminder to “own the future” through consistent participation

● The role of resilience in both economies and investment portfolios

● Diversification as a tool for emotional and financial stability

● Practical ways to stay informed without becoming paralyzed by fear

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In this episode of Money & Meaning, host Jeff Bernier welcomes Neil Bage, co-founder of Shaping Wealth, for a wide-ranging conversation on the human side of financial decision-making. They explore how neuroscience, behavioral science, and the pursuit of “funded contentment” intersect in personal finance. Neil shares his journey, the mission of Shaping Wealth, and frameworks like Ikigai to help individuals live more meaningful financial lives. A must-listen for advisors and investors alike addressing life’s transitions.

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In this episode of Money & Meaning, host Jeff Bernier reflects on the passing of his father—his personal “George Bailey”—and explores the implications of living longer in today's evolving retirement landscape. Jeff outlines the financial risks and opportunities of extended longevity, including inflation, healthcare costs, market volatility, and potential benefit cuts. He shares how both individuals and the financial industry can adapt their planning strategies to better prepare for a longer, more purposeful retirement.

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In this episode of Money & Meaning, host Jeff Bernier welcomes back Larry Swedroe, author, consultant, and former Director of Research at Buckingham Strategic Wealth. They explore how retirees and pre-retirees can construct portfolios that reduce risk, smooth returns, and withstand market shocks. Larry breaks down key principles of evidence-based investing, the importance of understanding risk tolerance, and the evolving role of alternative assets like private credit and reinsurance in modern portfolios.

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In this short-form edition of the Money & Meaning Show, Jeff Bernier shares a perspective on simplifying investment thinking during uncertain times. He outlines three fundamental binary choices investors face: having faith in the future or not, being goal-focused versus performance-driven, and choosing to own businesses versus lending to them. Jeff encourages listeners to return to first principles as they consider how to position themselves for long-term financial success.

Topics covered:

• Why investing is simple, but not easy

• The importance of returning to first principles in volatile times

• Faith in the future vs. pessimism

• Being goal-focused and planning driven vs. market-focused and performance driven

• Ownership of the world’s great businesses vs. lending through fixed income

• How long-term optimism impacts investment outcomes

• Historical stock market performance as context for rational optimism

• Simplifying investment decisions to cut through daily noise

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