True Wealth Podcast

In this episode of the True Wealth Podcast, Wealth Advisors Kevin Engbers and Nik Aamlid sit down with Dave Austad, President of Austad’s Golf, for a powerful conversation on generosity, legacy, and what it truly means to live a life of impact. Drawing from decades of business experience, family leadership, and personal transformation, Dave shares how giving, when done with the right heart, can shape not only communities, but future generations. 

Dave begins by sharing the origin story of Austad’s Golf, a business started by his father in 1963 from the trunk of a car. What began as a small side hustle quickly grew into one of the largest golf distributors in the United States. As the business grew, so did a deeper sense of responsibility, not just to succeed, but to give back. 

A central theme of the episode is the distinction between simply giving money and truly living a life of generosity.

Dave challenges the common idea that legacy is about recognition or being remembered, instead emphasizing that true legacy lies in preparing the next generation. By instilling values such as stewardship, faith, and responsibility, families can create a lasting impact that extends well beyond financial inheritance. The goal is not to be known, but to equip others to live meaningful, purpose-driven lives. 

Dave also shares a deeply personal turning point; his near-fatal heart condition that required emergency surgery. This experience reshaped his perspective on time, wealth, and priorities, reinforcing the idea that life is finite and every day is a gift. 

This episode serves as a compelling reminder that generosity is not reserved for the wealthy; it is a mindset and a lifestyle.

Highlights from the Episode 

• Austad’s Golf began as a side hustle in the trunk of a car and grew into a national business through persistence and opportunity. 

• True generosity goes beyond writing checks: it involves active participation and engagement. 

• Generosity is “caught, not taught,” and is best learned through example and involvement. 

• Legacy is not about being remembered, but about preparing the next generation to live with purpose and responsibility. 

• Near-life experiences can shift perspective, emphasizing the importance of time and intentional living. 

• True Wealth is not measured by accumulation, but by alignment with purpose, faith, and service. 

• Giving breaks the power money can have over individuals and brings deeper fulfillment. 

Host & Guests:

Kevin Engbers, CFP®, Wealth Advisor, CEO & Founder 
Nik Aamlid, CFP®, CAP®, CKA®, Wealth Advisor 
Dave Austad, President - Austad’s Golf 

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/ 

In this episode of the True Wealth Podcast, Kevin sits down with Dan and Marie LaRock, co-founders of Rock Ranch, to explore how purpose, faith, and service can come together to create meaningful impact. Their story is a powerful example of what it looks like to live out core values, follow a calling, and serve others in a way that transforms lives.

The conversation begins with the origin of Rock Ranch, a nonprofit founded in 2016 with a mission to help individuals grow physically, cognitively, socially, and emotionally through horsemanship in a Christ-centered environment. What started as a simple idea—sparked by Marie’s background in speech therapy and her experience volunteering with equine-assisted programs—quickly evolved into something much greater. Despite initial hesitation, a series of moments, including a deeply personal spiritual experience, led Marie to recognize a clear calling. With Dan’s support on the operational and business side, the two stepped into that calling together. 

Ultimately, this episode illustrates how True Wealth is found not in accumulation, but in purpose, service, and the lives we impact along the way. Rock Ranch stands as a living example of what can happen when faith, passion, and action come together to serve a greater good. 

Highlights from the Episode 

• Rock Ranch was founded in 2016 with a mission to develop individuals through horsemanship in a Christ-centered environment. 

• The organization grew from serving 50 people in its first year to nearly 3,500 individuals annually. 

• A defining moment of calling led to the creation of Rock Ranch, highlighting the importance of listening and responding to purpose. 

• Dan and Marie’s partnership thrives on complementary strengths—program development and business strategy. 

• Programs include youth riding lessons, senior engagement, and equine-assisted counseling for emotional and mental health. 

• The organization operates through a combination of program fees and donor support to remain accessible and sustainable. 

• True wealth is demonstrated through service, stewardship, and positively impacting the lives of others. 

Host: 

Kevin Engbers CFP®, Wealth Advisor, CEO & Founder 

Guests: 
Dan and Marie LaRock, Co-Founders of Rock Ranch

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/ 

When you are raising kids in the middle of a busy life, it is easy to fall into survival mode: working harder, spending more, and chasing what everyone else seems to have. But what if you paused to ask, “Is this the story I want my family to tell?” 

In this episode, Kevin, Ryan, and Nik have an honest conversation about resisting cultural pressure and choosing purpose over performance. They share personal stories about how their own financial decisions shaped their kids' values, what it looks like to say no in a world of yes, and how true wealth is often found in the quiet, intentional moments. 

Whether you are navigating sports schedules, school demands, or financial decisions that feel too big to carry, this episode can offer clarity and encouragement. 

In This Episode 

• How to make financial decisions that reflect your family’s purpose 

• The pressure parents feel to give their kids every opportunity 

• Stories of choosing what aligns with values over what looks impressive 

• Why kids learn more from consistency than comparison 

• What it means to live the story you hope your children will remember 

“When your kids look back, the goal is not that they had everything and it's that they learned what mattered most.” 

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

Watch or listen to the full episode on YouTube, Spotify, or Apple Podcasts. 

Explore more resources or connect with a Pinnacle Wealth advisor at PinnacleWealth.com 

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/ 

The early years of adulthood often feel like a transition between possibility and responsibility. In the stage described as the Launchers, ages 21 and 30, individuals begin building the foundation for the life they want to create. Careers begin to take shape, relationships deepen, and financial habits start forming patterns that can influence decades ahead. These years are exciting but also uncertain, as young adults move from the structured environment of family and education into a world where they are responsible for their own decisions and direction. 

One theme that emerges clearly during this stage is the importance of understanding money early. Many young adults enter the workforce carrying student loans without fully grasping the long term implications. Financial awareness becomes an essential skill, not just in earning income but in managing it with intention. Learning to view money as a tool rather than the ultimate goal helps shift the focus from accumulation toward stewardship, discipline, and thoughtful decision making.

Marriage and family also introduce new financial dynamics. Conversations about money can be difficult, yet they are critical for long term alignment. Couples often bring different perspectives shaped by their upbringing, personality, and values. Honest communication and shared priorities help ensure that the most important goals are addressed first, rather than avoiding the conversations that matter most. 

Perhaps the most meaningful lesson in this stage is that financial maturity is not defined by perfection but by progress. Early adulthood is a time to establish habits, build discipline, and learn through experience. Whether managing student debt, beginning to invest, or simply becoming aware of spending patterns, the goal is to start building the financial and personal foundation that supports a life of purpose and intentional living. 

Highlights from the Episode 

• The Launcher stage from ages 21 to 30 is a critical decade where financial habits, career paths, and personal values begin to take shape. 

• Many young adults underestimate the long term impact of student loans and the importance of understanding the true cost of education. 

• Viewing money as a tool rather than a destination helps create a healthier relationship with wealth and financial decision making. 

• Open communication about money is essential in marriage, especially when couples bring different financial perspectives into the relationship. 

• Building discipline, responsibility, and awareness during these early years helps lay the groundwork for long term financial stability. 

Host:  
Kevin Engbers, CFP®, Wealth Advisor, CEO & Founder 
Luke LaRock, NSSA®, Associate Wealth Advisor 
Dylan Rudningen, Associate Wealth Advisor 

• 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/  

Some conversations about money begin with numbers. Others begin with life. This conversation centers on the latter. Jan Noer and Sandy Fink share their personal journeys after losing their husbands and reflect on the emotional and practical realities that follow the loss of a spouse. Their stories reveal how closely financial preparation and personal support are connected during seasons of grief. 

Both women describe years spent caring for their husbands while navigating family responsibilities, medical needs, and everyday life. During their marriages, financial responsibilities often fell naturally to one spouse. In Jan’s case, her husband Roger handled most of the financial decisions. Sandy and her husband Jim approached finances together before she gradually took on the day-to-day management. Their experiences highlight a pattern many families recognize. Financial roles often develop organically rather than through intentional planning. 

After the loss of a spouse, the complexity of financial life becomes more visible. Paperwork, survivor benefits, tax decisions, and coordination across different institutions create a process that can take months or even longer to navigate. Even highly organized families can find themselves working through administrative steps long after the funeral has passed. Planning ahead does not remove grief, but it can reduce confusion and shorten the time it takes to regain a sense of stability. 

Beyond finances, both Jan and Sandy reflect on a deeper transition. Years spent as caregivers shaped their daily purpose. When that season ended, they had to rediscover how to structure life again. Friendship, faith, volunteer work, and community became important anchors during that adjustment. Their experience reinforces a core idea behind the True Wealth philosophy. Financial clarity matters, but true stability often comes from relationships, shared support, and a sense of meaning that extends beyond money. 

Highlights from the Episode 

• Many couples naturally fall into financial roles where one spouse manages most financial decisions 

• Losing a spouse often introduces complex administrative and financial tasks that can take months to resolve 

• Organizing financial accounts and documents ahead of time can significantly reduce confusion during a crisis 

• Caregiving often becomes a central life purpose, which creates a major emotional transition after loss 

• Community, friendship, and support groups play a critical role in healing and rebuilding life 

• Holistic financial planning can provide clarity and confidence during major life transitions 
   

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: www.TrueWealthPodcast.com

Host: Ryan Ovenden, CFP®, CKA®, Wealth Advisor 

Guests: Jan Noer and Sandy Fink 

Between ages eleven and twenty, kids transition from dependence to independence. Their relationship with money often mirrors that shift. In this episode Wealth Advisors Kevin Engbers and Ryan Ovenden discuss how to guide children through this pivotal stage with clarity, consistency, and care. 

From teaching stewardship through everyday choices to preparing teens for financial independence, the conversation is filled with practical insights. These years shape lifelong habits, and parents play a critical role in building a foundation of purpose, gratitude, and responsibility. 

In This Episode 

• How kids internalize money mindsets through repetition and modeling 

• What parents can do to help children grow into financially wise adults 

• The importance of teaching decision-making, not just saving and spending 

• Lessons in discernment, delayed gratification, and generosity 

• What to say before your teen heads out on their own 

"Your kids are watching. How you talk about money, how you handle money, and how you model generosity all shape what they carry into adulthood."

Hosts:
Kevin Engbers CFP®, CEPA®, Wealth Advisor, CEO & Founder 
Ryan Ovenden, CFP®, CKA®, Wealth Advisor 

Listen on:   

• Youtube: https://www.youtube.com/@pinnaclewealthsd/playlists 

• 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/ 

Explore more tools and resources for purposeful financial parenting or connect with an advisor at PinnacleWealth.com to align your financial plan with the values you hope to pass on. 

Talking about money with kids is not always easy, but it is essential. In this episode, Wealth Advisor, Nik Aamlid, CFP®, CKA®, CAP®, shares practical ways parents can begin laying a strong foundation early in their children's lives one that combines financial literacy with purpose-driven decision-making. 

From stories drawn from real planning conversations to lessons shaped by his own family, Nik explores what it looks like to raise kids who understand the value of money without being defined by it. These insights are not just about saving and spending. They are about instilling confidence, gratitude, and clarity in the next generation. 

In This Episode 

• Why early money conversations matter more than most parents realize 

• Six practical ways to teach healthy financial habits at home 

• How to help kids think about money without stress or shame 

• What happens when values shape financial behavior 

• A simple next step any parent can take this week 

"Financial planning is not just about saving. It is about helping your family live according to what matters most."

Hosts:
Kevin Engbers CFP®, CEPA®, Wealth Advisor, CEO & Founder 
Nik Aamlid CFP®, CAP®, CKA®, Wealth Advisor 

Explore more tools and resources for purposeful financial parenting or connect with an advisor at PinnacleWealth.com to align your financial plan with the values you hope to pass on. 

Listen on:   

• Youtube: https://www.youtube.com/@pinnaclewealthsd/playlists 

• 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/ 

In this episode of the True Wealth Podcast, the Kevin, Nik and Ryan explore what it truly means to build wealth with intention shifting the focus from simply accumulating money to designing a life rooted in purpose, relationships, and long-term clarity. The conversation reframes financial planning as a journey, one that begins with understanding what matters most before ever talking numbers.

Listeners will hear how the 9 Principles of True Wealth can be practically integrated into a financial plan, why uncovering a client’s real pain points is essential, and how a clear statement of financial purpose can help guide decisions through every stage of life. From navigating market volatility to balancing present enjoyment with future goals, this episode offers a thoughtful perspective on aligning money with meaning, and why trust and education are foundational to any lasting financial plan.

In This Episode:

· Why true wealth is about quality of life and relationships, and not just financial outcomes

· How the 9 Principles of True Wealth shape a more intentional financial planning process

· The importance of identifying pain points before setting financial goals

· How a statement of financial purpose can help bring clarity to financial decisions

· Why trust and relationship-building are central to effective financial advising

· How to approach market volatility with a long-term, purpose-driven mindset

· The role of opportunity cost in aligning money with values

· Why teaching financial literacy to the next generation can be a critical part of True Wealth

“True Wealth is a way of living — when your money supports what matters most, clarity follows.”

Explore more tools and resources or connect with an advisor at PinnacleWealth.com. Start building a plan that reflects your values and supports your family's purpose.

"Financial planning is not just about saving. It is about helping your family live according to what matters most."

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

Listen on:  

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

• Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 
  Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCPP-z-82XKWX1IkwMobM9Tv 

Start building a plan that reflects your values and supports your family's purpose, connect with an advisor at PinnacleWealth.com. 

Financial planning is often reduced to charts, spreadsheets, and dollar signs. But what happens when you start with values instead of numbers? 

In this episode, the advisors at Pinnacle Wealth share how the 9 Principles of True Wealth can reshape the way families approach their financial plans. They explain how purpose-driven conversations lead to clarity and more confident decisions—not just for the future, but for the life you're living now. 

In This Episode 

• What changes when you stop seeing wealth as the goal 

• The moment clients realize money is not what brings peace 

• How to begin tying financial decisions to personal values 

• Common misalignments between goals and money habits 

• Why true wealth is a worldview, not a destination 

"True Wealth is everything you have that money can’t buy and death can’t take away."

Host/Guest 
Kevin Engbers CFP®, CEPA®, Wealth Advisor, CEO & Founder 
Nik Aamlid CFP®, CAP®, CKA®, Wealth Advisor 
Ryan Ovenden CFP®, CKA®, Wealth Advisor

Ready to bring clarity and purpose to your financial life? Visit PinnacleWealth.com to connect with an advisor. 

Money Is a Tool, Not the Destination 

True Wealth isn’t about how much you’ve saved. 
It’s about what your money makes possible. 

We’re so excited to officially announce the launch of the True Wealth Podcast! Episode one is officially live and ready for you to listen on Apple Podcast, Spotify, and a full video version on our Youtube channel!  

In our first episode, Kevin Engbers, CFP® CEPA®, Wealth Advisor, Founder and CEO chats with fellow Pinnacle Wealth team’s advisors, Nik Aamlid, CFP®, CAP®, CKA®, and Ryan Ovenden, CFP®, CKA®, to share why this podcast exists and what you’ll want to catch this and the many episodes to come. They dive into why financial planning should begin with purpose, not just projections 

Because when money serves your values, it means more 

Listen on:  

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

• Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp 
  Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCPP-z-82XKWX1IkwMobM9Tv 

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