Summary

In the final episode with Wade, Todd, and David, the conversation shifts from philosophy to history and mentorship. Wade asks what has changed in the financial industry over the past several decades and what hasn't. Todd reflects on the early days before computers, the impact of mentors like Norman Baker, the myth of "deals" in insurance, and the importance of integrating tools—not replacing human judgment with them. The discussion highlights why math must be paired with context, conversation, and strategy in order to truly serve clients. It's a timely reminder that the future of financial advice isn't about replacing the advisor — it's about elevating them.

Episode Highlights

00:15:50 - Evolution of Industry Conversations.

00:03:18 - Addressing Industry's Adversarial Past.

00:03:52 - Life Insurance and Cash Value Benefits.

00:04:41 - Asset Flow: Evaluating Investment Synergy.

00:06:39 - Painting a Picture of Financial Sacrifice.

00:09:02 - The Importance of Asking the Right Questions.

00:11:49 - Balancing Technology with Human Insight.

00:13:25 - Challenges of AI in Financial Advice.

00:13:37 - Importance of Mentorship in Industry.

00:13:38 - Mentorship's Role in Leveraging Experience.

Episode Resources

• sagewealthstrategy.com

• About Todd And The Financial Software

• Guest Name Todd LangfordGuest [email protected]

• Additional guest David Zapata [email protected]

Keywords

• Wade Borth Podcast

• smart ideas

• new opportunities

• money management

• financial independence

• investment strategies

• insurance industry

• real estate vs stock market

• holistic financial planning

• rate of return

• asset flow

• cash value life insurance

• distribution phase

• financial software

• financial calculators

• AI in finance

• investment biases

• financial advising

• financial conversation

• client confidence

• financial mentorship

• financial industry evolution

• interest rates

• financial context

• financial education