What happens when your broker-dealer is owned by an insurance company? You guessed it—suddenly, your “financial plan” starts looking suspiciously like a life insurance sales pitch.

In this episode of Unsolicited, we unpack the inherent conflict of interest in insurance-based broker-dealers and why it’s tough to promote real financial planning when you're expected to sell proprietary products. (Spoiler: It’s not ideal for clients—or advisors trying to do the right thing.)

We also share the origin story of our satirical mini-movie series, Truthful Mutual—a not-so-subtle jab at some of the absurdities we’ve seen in the industry. Think: truth bombs wrapped in comedy.

Now, let’s be clear: there’s nothing wrong with selling a product and being the expert in that field—if that’s what you want to do. Just don’t confuse that with comprehensive planning.

To wrap it up, we offer some candid advice to younger advisors starting out—how to build your practice with intention, integrity, and a little less corporate nonsense.

🧨 Unfiltered takes. Satirical detours. And just enough sarcasm to make compliance departments nervous.

How to get in touch with us:

Keith Wilson [email protected]

Anthony Ruffalo: [email protected]

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

In this episode of Unsolicited, Keith and Anthony take a walk down memory lane—sharing personal stories, financial missteps, and hard-earned lessons from their 20s, 30s, 40s, 50s, and 60s. Whether you're just getting started or staring down retirement, this episode is packed with practical tips, timeless advice, and a few laughs along the way.

We talk about:

• What we wish we knew in our 20s
• The pressure and pivot points of your 30s
• Balancing growth and stability in your 40s
• Why your 50s are crunch time for retirement planning
• And how the 60s are about making it all work together

No matter where you are in your financial journey, this one’s for you.

How to get in touch with us:

Keith Wilson [email protected]

Anthony Ruffalo: [email protected]

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

When? Where? What? How? Why?
No, this isn’t a grammar lesson—it's how we start building your retirement plan.

In this episode of Unsolicited Podcast, Me and Anthony Ruffalo dig into the real questions that matter when planning for retirement. It’s not just about the numbers. It’s about your life.

When do you want to retire?

Where are you now financially?

What does retirement even look like for you?

How do we build a plan that actually works?

And most importantly… Why? Are you retiring from something—or to something?

We talk about the emotional side of retirement, not just the spreadsheets. Because the best retirement plans start with clarity, not just calculators.

How to get in touch with us:

Keith Wilson [email protected]

Anthony Ruffalo: [email protected]

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

In this episode of The Plan: Unsolicited, Keith and Anthony go off-script for a rapid-fire Q&A—sharing real stories, honest reflections, and practical insights from years of working with clients.

We’re answering questions like:
 💥 Is investing easier or harder for younger people today?
 💥 What’s the hardest thing we've ever had to tell a client?
 💥 Are we scared of a stock market crash?

This one’s fast-paced, unfiltered, and packed with lessons you can actually use—because behind every financial decision is a real person trying to make sense of it all.

And at the center of it? A plan.
 One that helps you navigate the noise, stay grounded, and keep moving forward—no matter what the market (or life) throws your way.

How to get in touch with us:

Keith Wilson [email protected]

Anthony Ruffalo: [email protected]

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

You’ve spent decades building your 401(k), and now it’s time to enjoy the fruits of your labor. But how do you make sure your money lasts while maximizing your retirement lifestyle? In this episode, Keith Wilson and Anthony Ruffalo break down the 401(k) distribution phase, walking through a hypothetical scenario of a 65-year-old retiree with $3 million saved.

We explore:
 💰A 5% withdrawal rate & a 6.9% Return – What do these numbers mean for your retirement cash flow?
🚀 The Go-Go, Slow-Go, and No-Go Years – How your spending (and life) evolves in retirement.
🛡️ The Importance of Naming Beneficiaries – Avoiding costly mistakes for your loved ones.

With humor, real-world insights, and financial expertise, we make sense of this critical phase of retirement planning. Whether you’re approaching retirement or advising clients, this episode is packed with valuable takeaways.

👉 Tune in now and get ready to retire with confidence!

How to get in touch with us:

Keith Wilson [email protected]

Anthony Ruffalo: [email protected]

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

After years of diligent saving, strategic investing, and navigating the ups and downs of your career, there comes a moment when your 401(k) and overall wealth reach a tipping point—an inflection point where your accumulated assets start working harder for you than your new contributions. In this episode of The Plan, we explore how this moment unfolds, why your personal finances get stronger with each raise and promotion, and how, over time, saving actually gets easier.

Join us as we break down the mechanics of compounding, the psychological shift from saving to growing wealth, and the key financial strategies to maximize this stage of your journey. Whether you’re just starting out or approaching your own wealth inflection point, this episode will help you see the bigger picture of financial success.

How to get in touch with us:

Keith Wilson [email protected]

Anthony Ruffalo: [email protected]

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704