True Wealth Podcast

What does it look like to actually live the transformational power of love, not just talk about it? 

In this episode, Senior Wealth Advisors Kevin Engbers and Ryan Ovenden sit down with Pastor Adam Weber, Lead Pastor at Embrace Church. Adam began as a business and marketing major who expected to do ministry through the business world, and for years he treated his entrepreneurial drive as a flaw. Now he sees it as a gift placed exactly where God wanted it used, and he argues the same is true for anyone in any job: wherever you are placed, you can do full-time ministry. 

The conversation moves from how a self-described recovering workaholic protects his marriage and his rest, to the hardest year of Adam's life and the book it produced, Love Has a Name. Kevin ties it to the first of the nine principles in his own book, True Wealth: being a living example of the transformational power of love. 

Adam shares the story of how his parents' bankruptcy made money a god for him, how his wife Becky insisted they tithe from their first paycheck, and the peace that came from inviting God into their finances. Ryan tells the story of a lunch, a recommended book, and a final conversation with his dying father-in-law that Kevin sent him out of the office to have. 

In This Episode 

• Why any job can be full-time ministry, and why Adam spent 12 years seeing his drive as a flaw 
• How a recovering workaholic pastor protects his family, with a set work schedule and mentors who ask hard questions 
• Phone-free mornings, walks with his dog Senator, and the A-frame cabin behind two barbed-wire fences 
• How the hardest year of Adam's life produced Love Has a Name, with every chapter named for a person who taught him to love 
• Why the difficult person is harder to love than the different one, and what happened when Adam invited a critic from his DMs out for coffee 
• Ryan's story of a lunch, a book that reached his father-in-law days before a terminal diagnosis, and a 30-second goodbye 
• Why Kevin sent Ryan out of the office that day, and the friend named Doug who calls whenever Kevin is on his heart 
• How Adam's parents' bankruptcy turned money into a god for him, and how tithing from the first paycheck broke that hold 
• Adam's starter challenge for generosity: a thousand dollars in twenties, ten of them in your pocket every day 
• Adam's one thing for every listener, and his answer to the question "true wealth to me is what?" 

Guest: Pastor Adam Weber, Lead Pastor at Embrace Church 

Hosts: 
Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder 
Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor, Chief Planning Officer (CPO) 

Be a Living Example of the Transformational Power of Love - the 1st True Wealth Principle

What does it really mean to live a life marked by love? 

In this episode of the True Wealth Podcast, Kevin Engbers, Ryan Ovenden, and Nik Aamlid begin a new series exploring the Nine True Wealth Principles by unpacking the first principle: Be a Living Example of the Transformational Power of Love. 

Rather than viewing love as simply an emotion, the hosts explore the biblical concept of agape love, a love expressed through action, sacrifice, generosity, and service to others. They discuss why this principle serves as the foundation for every other aspect of true wealth and how our daily choices can become opportunities to positively influence the people around us. 

The conversation also examines how fear often competes with love in our decision-making, why serving others creates lasting fulfillment, and how living with intentional compassion can transform families, workplaces, communities, and future generations. 

Whether you're building wealth, raising a family, leading a business, or preparing for retirement, this episode offers a practical reminder that our greatest legacy isn't measured by what we accumulate, but by how we love others. 

In This Episode 

• Why love is the first True Wealth Principle 
• The meaning of agape love and why it requires action 
• Why transformational love is more than a feeling 
• How fear and love influence everyday decisions 
• Practical ways to serve others through generosity and compassion 
• Building a legacy through intentional relationships 
• Why true wealth begins with character before finances 
• Living a life that positively influences future generations 

Host:  

• Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder 
• Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor, Chief Planning Officer (CPO) 
• Nik Aamlid, CFP®, CAP®, CKA®, Senior Wealth Advisor, Chief Operating Officer (COO) 

Connect with the True Wealth Podcast 

• YouTube Playlist: 
  https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 
• Spotify: 
  https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 
• Apple Podcasts: 
  https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 
• Website: 
  https://www.TrueWealthPodcast.com 

What does true wealth look like in the later stages of life? 

In this episode the Pinnacle Wealth team unpacks the final life stage in the True Wealth framework: the Legacy Leaders, generally those age 76 and beyond. 

This stage is often associated with leaving a legacy, but the conversation challenges the idea that legacy is simply about the money, property, or possessions someone leaves behind.

This explores the unique perspective that comes with decades of life experience and why those in the Legacy Leader stage still have so much to contribute. They discuss the importance of sharing stories, communicating appreciation while there is still time, and passing emotional and spiritual capital to the next generation.

The conversation also offers an important challenge to younger generations: don't wait until it's too late to ask questions, hear stories, and learn from the people who came before you. 

In This Episode 

• What defines the Legacy Leader stage and why it is about more than leaving an inheritance 

• Why the wisdom of older generations is one of the most valuable forms of legacy 

• The importance of saying the things you want loved ones to know while there is still time 

• Why legacy should be lived throughout every stage of life, not created at the end 

• The three forms of capital that can be passed to the next generation: financial, emotional, and spiritual 

• How relationships with clients can become some of the most meaningful parts of a financial advisor's work 

• Why writing a legacy letter can preserve memories, values, encouragement, and personal stories 

Legacy Is More Than What You Leave Behind 

It's a season of reflection, contribution, perspective, and influence. 

True legacy isn't simply something that is handed down after someone is gone. It is something that can be intentionally lived out every day. 

The question isn't only, "What will I leave behind?" 

Hosts and Senior Wealth Advisors: 
Kevin Engbers, CFP®, CEO & Founder 
Ryan Ovenden, CFP®, CKA®, Chief Planning Officer
Nik Aamlid, CFP®, CAP®, CKA®, COO

Watch or listen to the True Wealth Podcast on YouTube, Spotify, or Apple Podcasts. 

YouTube Playlist: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 

Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 

Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 

Pinnacle Wealth: https://www.TrueWealthPodcast.com 

What happens when your career is no longer the primary thing that defines you? 

For many people between the ages of 60 and 75, life enters a season of transition unlike any before. The pace begins to change. Retirement comes into view or has already begun. Children are independent, careers wind down, and new questions begin to surface. 

Who am I beyond my profession? What do I want this next chapter to represent? 

In this episode of the True Wealth Podcast, Kevin Engbers, Ryan Ovenden, and Nik Aamlid continue their Life Stages series by exploring the Leaper stage—a season defined less by accumulating wealth and more by aligning your life with purpose. 

The conversation examines the emotional and practical realities of moving from career identity to life identity. The hosts discuss why retirement isn't simply about leaving work, but about intentionally stepping into a new season with clarity, meaningful relationships, healthy routines, and a renewed sense of purpose. 

Whether retirement is just around the corner or still several years away, this episode offers practical wisdom for making the transition with confidence and intentionality. 

In This Episode 

• What defines the Leaper stage of life 
• Why retirement is more than a financial milestone 
• Moving from career identity to life identity 
• Navigating purpose beyond full-time work 
• Prioritizing health, relationships, and personal growth 
• Why intentional planning extends beyond finances 
• Redefining success during retirement 
• Preparing for a meaningful next chapter 

Key Takeaways 

• The Leaper stage is about far more than stepping away from a career. It's about stepping toward a life that's intentionally aligned with your values, relationships, faith, and purpose. 
• Financial readiness is important, but true retirement planning also includes preparing emotionally, relationally, and spiritually for the opportunities this next season brings. 

Hosts: 
Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder 
Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor, CPO 
Nik Aamlid, CFP®, CAP®, CKA®, Senior Wealth Advisor, COO 

Listen to the podcast:

YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 

Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 

Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 

Website: https://www.TrueWealthPodcast.com 

For many people, the Builder stage of life can be one of the busiest and most demanding seasons they'll ever experience. 

Careers are at their peak. Children are growing up. Parents are aging. Financial decisions become more complex, and the pace of life rarely slows down. It's also a season where many begin asking deeper questions about purpose, legacy, and what they're ultimately building toward. 

In this episode of the True Wealth Podcast, Kevin Engbers, Ryan Ovenden, and Nik Aamlid explore what it means to live intentionally during the Builder stage of life. Rather than focusing solely on financial accumulation, they discuss how this season presents an opportunity to align your resources, relationships, and decisions with what matters most. 

The conversation examines how comparison, fear, and constant busyness can quietly shape our choices without us realizing it. The hosts share practical insights on creating margin, strengthening family relationships, preparing for future transitions, and making decisions based on values rather than pressure. 

Whether you're currently navigating the Builder stage or preparing for it, this episode offers a framework for moving beyond simply achieving success toward building a life of lasting significance. 

In This Episode 

• Understanding the Builder stage of life and its unique challenges 

• Why intentional living becomes increasingly important during midlife 

• The difference between success and significance 

• How comparison can quietly influence financial and life decisions 

• Building stronger family relationships during life's busiest years 

• Creating margin instead of constantly chasing more 

• Making decisions from purpose instead of fear 

• Aligning your financial plan with your values and long-term vision 
  

Key Takeaways 

The Builder stage isn't simply about earning more or accumulating more wealth. It's about becoming more intentional with the resources, relationships, and opportunities you've been given. 

By clarifying your values, strengthening the people closest to you, and making purpose-driven decisions, you can help build a life that creates lasting impact long after your career ends. 

Listen here:

YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 

Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 

Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 

Website: https://www.TrueWealthPodcast.com 

In this episode of the True Wealth Podcast, we welcome back Dan LaRock for a deeply meaningful conversation centered around his book, Grandpa’s Gift, and the timeless wisdom passed down from his grandfather. The discussion explores how lessons rooted in faith, history, and personal experience can shape a more purposeful and grounded life today. 

Dan shares the origin story behind Grandpa’s Gift, which was inspired by a collection of sermons and writings from his grandfather, a Methodist minister. Although these messages were originally delivered decades ago, Dan reflects on how revisiting them later in life brought a renewed sense of clarity and direction. What once felt distant and difficult to grasp became deeply personal and transformative as he matured, revealing truths that resonated with his everyday life, relationships, and decisions. 

The episode also introduces several key principles from the book, including the idea of “giving the Heisman” to the world’s expectations—choosing not to be driven solely by status, success, or external validation. Instead, Dan highlights the importance of seeking a higher purpose, being bold in one’s beliefs, and living out faith through daily interactions. This includes finding love in every relationship and becoming a living example of that love in both personal and professional environments. 

Ultimately, this episode serves as a powerful reminder that true wealth is found in aligning one’s life with enduring truths. By embracing wisdom from the past, living with intention, and applying faith in everyday interactions, individuals can experience a deeper sense of peace, purpose, and fulfillment that transcends temporary success. 

Highlights from the Episode 

• Grandpa’s Gift was inspired by decades-old sermons that continue to provide relevant, life-changing wisdom today. 

• Old wisdom remains powerful and applicable, even as culture and generations evolve. 

• Giving the “Heisman” to the world means rejecting external pressures of success, status, and validation. 

• True fulfillment is not found in financial success or achievements, but in purpose, belonging, and faith. 

• Understanding history and scripture provides a stronger foundation for navigating modern life. 

• Love should be expressed intentionally in every relationship, serving as a reflection of one’s beliefs. 

• Investing in people and experiences creates deeper, lasting joy compared to material success. 

Listen on: 

Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 

Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 

Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 

Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/ 

Host/Guest 

Kevin Engbers CFP®, Senior Wealth Advisor, CEO & Founder 
Nik Aamlid CFP®, CAP®, CKA®, Senior Wealth Advisor 
Dan LaRock, Co-Founder of Rock Ranch and Author of “Grandpa’s Gift” 

Why do couples with healthy finances still argue about money? 

In this episode of the True Wealth Podcast, we sit down with Shaunti Feldhahn, best-selling author, popular speaker, and nationally-renowned social researcher, to explore the surprising findings behind her research on marriage, communication and money. 

According to Shaunti's research, most financial disagreements have very little to do with dollars, budgets, or investment accounts. Instead, they are often driven by deeper emotional factors such as security, trust, fear, expectations, and the assumptions each person brings into a relationship. 

Drawing from years of studying thriving couples, Shaunti explains why financial conversations can become emotionally charged, how misunderstandings often fuel conflict, and what couples can do to create greater unity around their finances. 

The conversation reveals that successful financial partnerships are rarely built on perfect budgets or flawless planning. They're built on understanding, communication and a willingness to recognize the emotional realities that often exist beneath the surface of money discussions. 

Whether you are newly married, preparing for marriage, or simply looking to improve communication with your spouse, this episode offers practical insights that can strengthen both your relationship and your financial life. 

Highlights from the Episode 

• Why most financial arguments are not actually about money 

• The emotional triggers behind money conflicts 

• How assumptions create tension between spouses 

• What Shaunti's research reveals about thriving couples 

• The role of communication in financial harmony 

• Practical ways to improve money conversations 

• Building unity around shared financial goals 

Listen Now 

You can listen to this episode on your preferred platform: 

YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 

Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 

Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 

Pinnacle Wealth: https://www.TrueWealthPodcast.com 

Hosts:  

Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder 
Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor, CPO 

Guest:  

Shaunti Feldhahn, Best-Selling Author, Popular Speaker & Nationally-Renowned Social Researcher

A Story of Calling, Purpose, and Perspective 

What would cross your mind if you weren't sure your plane was going to land safely? 

For Joseph Stehlin, that moment became one of the most clarifying experiences of his life. Sitting with genuine uncertainty about whether he would survive, his thoughts didn't go where he expected. They went straight to what actually mattered — faith, relationships, purpose, and whether he was living the life he was called to live. 

In this episode of the True Wealth Podcast, Nik Aamlid and Kevin Engbers sit down with Joe to unpack that moment and the larger journey behind his book Hunted and Called. Joe shares how adversity, fear, and unexpected circumstances can strip away the noise and reveal what you're actually built for. 

The conversation explores the difference between external success and internal fulfillment — and why so many people spend years chasing one while neglecting the other. Joe reflects on the moments that challenged his identity, the importance of listening for God's direction, and the role of relationships and community in navigating life's hardest seasons. 

Ultimately this episode is a reminder that purpose is often discovered not in spite of the experiences we wouldn't have chosen, but because of them. 

Highlights from the Episode 

• The terrifying flight experience that forced Joe to confront what truly matters 

• The journey behind Hunted and Called and what it took to write it 

• The difference between chasing success and living with true fulfillment 

• How adversity shapes purpose and perspective in ways comfort never could 

• The role of faith in decision-making and leadership 

• Why relationships and community matter most during difficult seasons 

• What it looks like to live with clarity and respond faithfully to your calling

   

Listen Now 

You can listen to the latest episode of the True Wealth Podcast on your preferred platform: 

• YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 

• Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 

• Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 

• Pinnacle Wealth: https://www.TrueWealthPodcast.com 

Hosts:  
Nik Aamlid, CFP®, CAP®, CKA®, Senior Wealth Advisor and COO 

Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder 

Guest:

Joseph Stehlin, Author of “Hunted and Called” 

Wisdom Built Through Consistency and Perspective 

In this episode of the True Wealth Podcast, Senior Wealth Advisor Ryan Ovenden sits down with Jeff and Karen Lukens to discuss the financial lessons, values, and perspectives shaped through decades of life, work, and education. 

The conversation centers around the principle of wisely using financial resources and explores how everyday decisions, consistency, and mindset often have a greater long-term impact than dramatic financial moves. Jeff and Karen reflect on the importance of contentment, delayed gratification, and living within your means while still building a meaningful life. 

They also share advice for younger generations navigating financial pressure, comparison, and the desire to “catch up” quickly. Rather than focusing on appearances or constant upgrades, the discussion points toward intentional living, steady progress, and surrounding yourself with people who can provide wisdom and guidance along the way. 

This episode is a reminder that wealth is not only about accumulation. It is also about stewardship, perspective, and making deliberate decisions that align with what matters most. 

Highlights from the Episode 

• Why contentment matters more than comparison 

• Financial lessons learned through decades of teaching and life experience 

• The long-term impact of consistent saving and delayed gratification 

• Why intentional decisions shape future opportunities 

• The importance of seeking guidance and accountability early 

• How wisely using financial resources creates freedom and flexibility 

Host: Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor & Chief Planning Officer 
Guests: Jeff and Karen Lukens, Retired Teachers & Pinnacle Wealth Clients 

Listen Now:

You can listen to this episode of the True Wealth Podcast on your preferred platform: 

• YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 
• Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 
• Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 
• Pinnacle Wealth: https://www.TrueWealthPodcast.com 

In this episode of the True Wealth Podcast, Senor Wealth Advisors Kevin Engbers and Nik Aamlid sit down with Tom Henderson, founder of RESGEN, to explore one of the least talked about realities of leadership: the isolation that can quietly grow alongside outward achievement. 

Tom brings a candid, grounded perspective on what it means to build a life and career of genuine depth — not just momentum. The conversation centers around a simple but powerful idea: that the people you allow to speak truth into your life matter far more than the size of your network or the strength of your reputation. 

A key theme throughout the episode is what Tom calls a "band of brothers" — a small, trusted circle of people who challenge you, walk alongside you, and refuse to let you drift. In a world that rewards hype and image-driven leadership, Tom makes the case that this kind of honest, accountable relationship is increasingly rare and increasingly necessary. 

The conversation also examines how ambition, if left unchecked, can quietly create distance from the people and connections that matter most — even when everything on the outside looks like success. Leadership without that relational depth, Tom suggests, is a setup for isolation no title or achievement can fix. 

Ultimately, this episode is a reminder that true wealth isn't only reflected in business growth or financial achievement. It's also found in the strength of the relationships shaping your life, your leadership, and your legacy. 

Highlights from the Episode 

• Why the people who challenge you are more valuable than the people who celebrate you 

• What a real "band of brothers" looks like in leadership and life 

• How ambition can quietly create distance from meaningful connection 

• The difference between image-driven leadership and leadership rooted in trust and accountability 

• Why true wealth includes the people walking through life with you 

Listen Now 

You can listen to Episode 11 of the True Wealth Podcast on your preferred platform: 

YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI 
Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 
Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 

Pinnacle Wealth: https://www.TrueWealthPodcast.com 

Hosts: Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder, and Nik Aamlid CFP®, CKA®, CAP®, Senior Wealth Advisor, COO
Guest: Tom Henderson, RESGEN