Money planning feels complicated until you connect it to what you’re protecting—and that’s where our conversation with financial advisor Nicholas Ulph with Northwestern Mutual finds its power. Nicholas shares how losing his father at twelve gave him a front-row view of what happens when families don’t have a plan, and how that experience fuels his mission to build simple, resilient strategies that guard against shocks and grow wealth over time.

We dig into comprehensive financial planning in plain language: why pairing investments with the right insurance creates stability, how a budget and automation can jumpstart momentum, and what “time in the market, not timing the market” looks like in real life. Nicholas breaks down myths that keep people stuck—especially the idea that you need a lot of money to begin—and offers accessible steps any household can take this month. From emergency funds and term coverage to diversified portfolios and long-term discipline, you’ll hear how coordinated choices reduce stress and improve outcomes.

You’ll also meet the person behind the plan: a soon-to-be husband and new dad who spends weekends exploring Dana Point and believes financial tools should serve real lives, not the other way around. We touch on how his practice grows through trust and referrals, why Northwestern Mutual is more than “just insurance,” and where to start if you want a clearer path forward. If you’re ready to replace worry with a working plan, press play, share this with someone who needs a nudge, and take your first step today.                          Visit Nicholas Ulph's website: https://www.northwesternmutual.com/financial/advisor/nicholas-ulph/