Smarter Planner Podcast
Educating Financial Advisors on the things they should know (but don’t). Host Belle Osvath, CFP®, interviews industry thought leaders and professionals targeting meaningful and useful information to help you to stay at the top of your game. No matter how long you have been in the industry there is always more to learn and interesting people to hear from, so join Belle in her mission to become a smarter planner. This Podcast is sponsored by the Financial Planning Association’s National Capital Area chapter (FPA NCA) and will include the latest updates and announcements from the chapter. Find out more at: www.FPANCA.org
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Policy Chaos, Human Flaws, and Your Portfolio: The Case for Active Management - Matt Gelfand, PhD [Global Investment Strategist]
05/07/2025
Policy Chaos, Human Flaws, and Your Portfolio: The Case for Active Management - Matt Gelfand, PhD [Global Investment Strategist]
In this episode host Belle Osvath, CFP® interviews Matt Gelfand, PhD, CFA, CFP®, Managing Director and Global Strategist at Princeton Global. Matt brings deep insight into the age-old debate of active vs. passive investing. Matt shares how his academic background in economics initially led him to embrace the efficient market hypothesis, but his decades of real-world experience changed his view. He explains why active investing still has an important place, particularly in volatile markets, and outlines the logical and behavioral arguments supporting the idea that markets aren't always efficient. From market inefficiencies created by human behavior to the critical role of active managers in making markets efficient, Matt unpacks why active management may outperform in certain circumstances. The discussion also covers broader market forces, the impact of policy uncertainty, and how behavioral finance adds another layer of opportunity for active investors.. This episode is packed with thought-provoking insights for financial planners looking to deepen their understanding of market dynamics and investment strategy. You can connect with Matt on LinkedIn or visit for more. LinkedIn —---------------------------------------------------------------------------------------------------------------------------- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse specific individuals or services discussed in this podcast.
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From RSVP to ROI: Hosting High-Impact Client Events- Dr. Mary Carlson [Founder & Financial Behavioral Researcher]
04/24/2025
From RSVP to ROI: Hosting High-Impact Client Events- Dr. Mary Carlson [Founder & Financial Behavioral Researcher]
In this episode, host Belle Osvath, CFP®, connects with Dr. Mary Bell Carlson, financial behavior expert and founder of the Financial Behavior Keynote Group. Dr. Carlson shares how financial advisors can deepen relationships and demonstrate value through thoughtful, engaging client events. She emphasizes that the “why” behind client events is crucial—offering more than just advice, these experiences build emotional connections, help reach resistant spouses or heirs, and allow outside speakers to reframe financial conversations in impactful ways. With humor, warmth, and practical insight, Dr. Carlson underscores that the psychology of money is no longer optional—it’s a vital part of the advisor-client relationship, especially in an era where AI and automation are redefining value. Her message: enhancing emotional intelligence is the next frontier for financial professionals. Learn more at Connect with Dr. Mary Bell Carlson on ---------------------------------------------------------------------------- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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The Hidden Impact of Day Traders & Overnight Drift - Victor Hagani [Founder & Researcher]
04/10/2025
The Hidden Impact of Day Traders & Overnight Drift - Victor Hagani [Founder & Researcher]
In this episode, host Belle Osvath, CFP®, interviews Victor Hagani, founder of Elm Wealth, about his groundbreaking research into the "overnight drift" in stock markets. Victor, a seasoned finance expert, explains how a significant portion of the stock market's returns occurs during off-hours when markets are closed, despite the higher volatility typically seen during the day. This fascinating insight into overnight trading patterns is informative for investors and financial planners. Their discussion topics include: Overnight Drift in Stock Markets: Victor reveals how after-hours trading primarily drives market returns, shedding light on the little-known phenomenon of overnight drift. Day Trading Influence on Overnight Drift: Learn how day traders contribute to the overnight drift and discover which stocks are most affected by this market behavior. Dynamic vs. Static Asset Allocation: Victor explains why asset allocation decisions should be active and based on expected returns and risk, rather than a passive, one-size-fits-all approach. Elm Wealth's ETF and Dynamic Asset Allocation: Victor shares insights into Elm Wealth's unique ETF, which uses dynamic asset allocation strategies to optimize returns and adjust exposure based on market conditions. Resources Mentioned: Elm Wealth: Elm ETF: LinkedIn: Victor's articles on the overnight drift: ---------------------------------------------------------------------------- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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The IRS Shake-Up: Tax Law Changes & Updates – David Peters [CFP & CPA]
03/20/2025
The IRS Shake-Up: Tax Law Changes & Updates – David Peters [CFP & CPA]
In this episode, host Belle Osvath CFP® talks with David Peters, CFP®, CPA. They discuss the latest tax updates and what they mean for financial advisors. David covers: IRS Updates: How the recent cut of 6,000 employees may affect processing times, refunds, and overall IRS operations. Beneficial Ownership Information (BOI) Reporting: What the Corporate Transparency Act requires and the ongoing debates around privacy concerns. David also discusses the penalties for non-compliance and the latest updates on reporting deadlines. Upcoming Tax Legislation: Expected changes in tax laws in 2025, including green energy credits, state and local tax deductions, and modifications to education and car loan interest credits. Required Minimum Distributions (RMDs): Clarification on recent IRS notices and upcoming guidance on RMDs for surviving spouses. David Peters Professional Education: LinkedIn: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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How to Land Ultra-Wealthy Clients (From Someone Who’s Done It!) - Erin Botsford [Founder]
03/05/2025
How to Land Ultra-Wealthy Clients (From Someone Who’s Done It!) - Erin Botsford [Founder]
In this episode, host Belle Osvath, CFP®, speaks with Erin Botsford, CFP®, who shares valuable insights into how financial advisors can build more sustainable and lucrative practices. Erin discusses: The role of a financial director vs. a planner: How being a concierge for your client's financial needs can set you apart and create lasting, generational relationships. Why charging financial planning fees is essential: How Erin transitioned from offering free services to charging substantial planning fees and why it's crucial for high-net-worth clients. The power of identifying risk: Focusing on risk management and pointing out potential vulnerabilities, like underinsurance or asset protection issues, helps advisors attract and retain clients. · Erin Botsford Website: · LinkedIn: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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Understanding Hacks: How Zero Trust Enhances Cyber Protection - Jeremiah Baker (Cybersercurity Expert)
02/19/2025
Understanding Hacks: How Zero Trust Enhances Cyber Protection - Jeremiah Baker (Cybersercurity Expert)
In this episode, host , interviews Jeremiah Baker, author of Confessions of a Hacker, about the evolving landscape of cybersecurity threats. With 17 years in the field, Jeremiah has worked with major casinos, banks, corporations, hospitals, and software firms worldwide to identify and mitigate security vulnerabilities. Jeremiah highlights that many cyber threats remain consistent over time, but new risks have emerged with advancements in AI and automation. He discusses how AI-powered scams, phishing, ransomware, and fund transfer fraud continue impacting businesses and individuals. Notably, AI is used to clone voices, manipulate video calls, and automate attacks, making fraudsters more effective than ever. One key takeaway is that cybersecurity is not just about large organizations. Everyone is a target, including financial planners, who must protect their security, firm data, and clients' sensitive information. Jeremiah shares practical, low-cost (and no-cost) measures to defend against these threats, including multi-factor authentication, strong password management, and robust backup systems. He also recounts real-world cases of fraudulent wire transfers, ransomware extortion, and deep fake impersonation, emphasizing the need for constant vigilance and a zero-trust mindset in today's digital world. For more insights, connect with Jeremiah Baker on LinkedIn or check out his book, Confessions of a Hacker, which will soon be updated. --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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Why Planners Should Treat Health as an Asset - Stevyn Guinnip [Founder]
02/05/2025
Why Planners Should Treat Health as an Asset - Stevyn Guinnip [Founder]
In this episode, host , interviews Stevyn Guinnip, founder, and CEO of Grow Wellthy, a health and wellness consulting firm that works with financial advisors to improve their well-being. As the daughter of a financial advisor, Stevyn witnessed firsthand how the industry's pressures can negatively impact health. Her firm bridges the gap between financial success and personal well-being, helping advisors and their clients invest in their health just as they do their wealth. Stevyn explains how financial advisors often neglect their health due to their competitive, high-achieving personalities and the relentless demands of building a business. She emphasizes the connection between health and long-term financial security, noting that chronic stress and poor health can undermine even the best financial plans. By incorporating simple, sustainable wellness practices into daily routines, advisors can protect their health without sacrificing career success. Connect with Stevyn: --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse any individuals or services mentioned.
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From Surrender to Sale: The Game-Changing Approach to Life Insurance - Scott Sanders [Founder]
01/22/2025
From Surrender to Sale: The Game-Changing Approach to Life Insurance - Scott Sanders [Founder]
In this episode, host , interviews Scott Sanders, founder of 1908 Advisors, a firm specializing in life insurance settlements. Scott explains how his company simplifies the process of selling cash-value life insurance policies that are no longer needed or wanted. He outlines three primary options for such policies: lapsing, surrendering for cash value, or selling to institutional investors for an amount greater than the surrender value. Scott delves into the workings of the life settlement market, emphasizing the role of institutional investors, such as hedge funds and life insurance carriers, who use these policies as long-duration assets. By creating a more transparent and competitive bidding process, 1908 Advisors ensures that financial advisors can confidently help clients maximize the value of their life insurance policies. Scott emphasizes that life settlements are not a niche product but a valuable tool for financial planning, particularly for high-net-worth clients. He also shares insights on taxation considerations and addresses misconceptions about the industry. --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse any individuals or services mentioned.
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Smarter Planner Symposium 2025 *Discount Code Available*
01/08/2025
Smarter Planner Symposium 2025 *Discount Code Available*
In this episode of the Smarter Planner podcast, host Belle Osvath, CFP® speaks with Kelly McNerney, CFP®, and Kristin Beane, about the upcoming Smarter Planner Symposium, which will be held on January 24th, 2025 at the Archer Hotel in Tysons Corner, Virginia. The event promises a full day of learning, networking, and collaboration designed for financial planning professionals. Schedule 7:30 - 8:00 Registration and Breakfast 8:00 - 8:15 Welcome Kelly McNerney- Chair- 2025 Symposium 8:15 - 9:00 Mike Townsend: Policy and Politics in the New Washington: Implications for Investors 9:10 - 10:00 Ben Henry- Moreland: Tax Planning For TCJA's (Scheduled) Sunset: Preparing Clients For Change Amid Legislative Uncertainty 10:00 - 10:20 Break 10:20 - 11:10 Rianka R. Dorsainvil, CFP®: Increasing Culture Competency to Better Serve Clients 11:10 - 12:00 Michael Egan, CFP®, CIMA: Custom Options for Concentrated Stocks 12:00 - 12:30 Annual Awards 12:30 - 1:30 Lunch AKA Hotel Bar 1:30 - 2:20 Sefa Mawuli, CFP®: Tailoring Financial Planning for Global Families and Professionals 2:20 - 3:10 Ashley Quamme: Sensitive Conversations: Mastering Difficult Client Scenarios through Conversation and Connection 3:10 - 3:30 Break 3:30 - 4:10 Mark Colaço, CFP® Perception vs. Reality: The Vital Role of Insurance in a Thriving Advisory Practice 4:10 - 4:20 Raffles and Closing 4:30 - 5:30 Happy Hour Networking Opportunities: Attendees can connect during breaks, lunch, and a post-event happy hour in the hotel's unique spaces, including the penthouse. Continuing Education (CE) Credits: Up to seven CE credits are available, providing an additional incentive for attendance. Special Offers and Prizes: Podcast listeners can use a $50 discount code ("SmarterPlanner"), and attendees can participate in a bingo-style activity to win prizes while interacting with sponsors. Kelly and Kristen also discuss the importance of collaboration within the Financial Planning Association (FPA), sharing insights on the value of FPA membership benefits and the impact of fostering community among chapters. For more information or to register, visit the symposium's page and use the discount code to save on admission. Don't miss this opportunity to connect, learn, and grow as a financial planning professional. --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse any individuals or services mentioned.
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Tapping Hidden Wealth: AI that Uncovers Outside Assets - Jeannette Kuda [COO]
12/04/2024
Tapping Hidden Wealth: AI that Uncovers Outside Assets - Jeannette Kuda [COO]
In this episode, host , interviews Jeannette Kuda, President and COO of TIFIN AG, a fintech company revolutionizing wealth management through supervised AI. Jeannette explains the differences between supervised (predictive) AI and generative AI, emphasizing the former's ability to analyze large datasets to identify growth opportunities for wealth management firms. TIFIN AG's platform focuses on organic growth by helping advisors uncover hidden opportunities within their existing client base, such as outside assets that could be consolidated under their management. By leveraging predictive AI, the tool analyzes historical data, supplements it with third-party data, and provides actionable insights. Advisors are then equipped to prioritize high-probability opportunities efficiently, enhancing their ability to grow their business book without increasing administrative burdens. Jeannette stresses that AI is not about replacing advisors but augmenting their efforts, allowing them to focus on client relationships and growth strategies. She also highlights the importance of embracing AI experimentation, regardless of firm size, as the technology evolves rapidly and creates competitive advantages. For more insights, connect with Jeannette on or visit . --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and the FPA NCA do not endorse any of the individuals or services mentioned.
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The Fiduciary Revolution in Life Insurance: A New Era – Steven Zeiger [Speaker, Managing Director]
11/20/2024
The Fiduciary Revolution in Life Insurance: A New Era – Steven Zeiger [Speaker, Managing Director]
In this episode, host , interviews Steven Zeiger, Managing Director at KB Financial, about the complexities of life insurance in the "fiduciary era." Steven discusses the importance of transparent and unbiased evaluation in life insurance, noting the need for more standardization and the potential for misleading information in traditional policy illustrations. He explains how research tools like those by Morningstar and Veralytic allow advisors to compare policies against industry benchmarks to accurately assess premiums, internal costs, and cash value projections. Steven highlights the value of independent, third-party research to avoid conflicts of interest and prioritize clients' best interests. He explains how data-driven insights and tools can identify hidden costs and potential policy failures often not apparent in standard illustrations. This information enables advisors to provide fiduciary-grade service, ensuring clients receive the best outcome for their financial goals. Steven also emphasizes the importance of research-based evaluation, encouraging planners to utilize these tools to enhance transparency and trust. Video of Life Insurance Analysis: Ways to connect with Steven: Steven's Cell: 917-750-6201 Text: M - More questions, T - Trust & estate article I - Introduce me to someone, S - Speaking engagement LinkedIn: Website: --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Phil Asta and FPA NCA do not endorse any of the individuals or services mentioned.
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Identifying Climate Risk: Preparing Clients for a Changing World – Dan Carreno [Founder]
10/30/2024
Identifying Climate Risk: Preparing Clients for a Changing World – Dan Carreno [Founder]
In this episode, host Belle Osvath, CFP®, speaks with Dan Carreno, cofounder of 0-Six Impact Partners and cohost of the Rewilding Wall Street podcast. They explore the critical intersection of climate change and financial planning, discussing how extreme weather events impact insurance costs and property values. Dan shares his personal experiences and emphasizes the importance of financial planners addressing these emerging risks and educating their clients. Financial Planning in the Age of Climate Change paper: U.S. Treasury paper: Dan's LinkedIn: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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From Data to Decisions: AI’s Role in Portfolio Management - Brooke Juniper [FinTech Leader &CEO]
10/16/2024
From Data to Decisions: AI’s Role in Portfolio Management - Brooke Juniper [FinTech Leader &CEO]
In this episode of the Smarter Planner podcast, host Belle Osvath, CFP®, talks with Brooke Juniper, CEO of Sage, about the evolving role of AI in the wealth advisory industry. Brooke shares insights on how AI has been part of portfolio management for over 20 years, starting with quantitative equity strategies and sentiment analysis from company earnings. With the advent of generative AI, Brooke explains how AI has unlocked new possibilities, allowing for more data processing, portfolio personalization, and qualitative research. Brooke discusses the shift from deterministic algorithms to more nuanced AI solutions that can analyze client-specific factors, enhancing the advisor's decision-making process. She emphasizes the difference between general AI applications, like ChatGPT, and specialized AI platforms, like Sage, which are tailored specifically for financial advisors. By integrating into existing account management and portfolio platforms, Sage acts as a co-pilot, helping advisors provide more personalized and scalable portfolio management, making each client feel uniquely catered to. If you want to learn more about AI's impact on wealth management or how it can enhance your practice, this episode is a must-listen. You can reach Brooke on or visit her website at --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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From Planner to Personal Brand: How to Make Your Mark - Derek Pollard, PdD [Founder & Writer]
10/02/2024
From Planner to Personal Brand: How to Make Your Mark - Derek Pollard, PdD [Founder & Writer]
In this episode of the Smarter Planner podcast, host Belle Osvath, CFP®, interviews Derek Pollard, Ph.D., founder of Constellar Creative, about the importance of personal branding for financial planners. They dive into strategies for crafting a unique, consistent brand that reflects your story and expertise, even if you're part of a larger organization. Derek emphasizes that personal branding is more than just a buzzword—it's about presenting your skills, mission, and vision in a way that resonates with your ideal clients. Derek shares insights on how to build a brand that stands out, even when working under a firm's corporate branding. He discusses the importance of consistency across all platforms—social media, websites, and in-person interactions—to create a cohesive brand experience. Whether you're an independent advisor or working within a firm, Derek offers practical advice on how to start small, audit your current branding, and build from there. He also highlights the value of partnering with marketing experts if you are unsure how to tell your story best. You can reach Derek on or at his website, . --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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How to Build Trust More Quickly - Michael Clarke [Co-founder & Author]
09/18/2024
How to Build Trust More Quickly - Michael Clarke [Co-founder & Author]
In this episode, host Belle Osvath, CFP® interviews Michael Clarke, co-founder of Protection Point Advisors and the National Referral Network, and author of A Firm Worth Building. The discussion revolves around the concept of "trust compression," which refers to building trust with clients not through long interactions over time, but by creating a series of high-quality, successive engagements that compress the time needed to establish trust. Michael explains how trust compression allows advisors to connect with clients through shorter, more meaningful meetings. He highlights how his firm has broken the traditional intake process into multiple brief, focused interactions to understand client risk tolerance and align their financial plans accordingly. The goal is to help clients feel understood and comfortable, building trust faster than through conventional methods. National Referral Network: A Firm Worth Building (Book) LinkedIn: Website:
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Beyond Politics: Integrating Social Justice Investing into Your Practice - Andrea Longton, CFA [Author]
09/04/2024
Beyond Politics: Integrating Social Justice Investing into Your Practice - Andrea Longton, CFA [Author]
In this episode, host , CFP®, speaks with Andrea Longton, a CFA and award-winning author who specializes in social justice investing. Andrea has raised over $1 billion for social justice investments in the U.S. and advised on an additional $1.5 billion globally. She authored a book titled The Social Justice Investor: Advance Your Values While Building Wealth. In the discussion, Andrea explains that social justice investing involves aligning one's financial investments with personal values that promote social justice. This can encompass various causes, including racial justice, climate justice, children's welfare, LGBTQIA+ rights, and gender equity. Andrea emphasizes that social justice investing is personalized; it requires individuals to identify their values and align their investment portfolios accordingly. The conversation also touches on the potential challenges financial advisors face when addressing social justice investing, particularly the risk of being perceived as partisan. Andrea advises that advisors should focus on the values of their clients rather than politics and that they should educate themselves on social justice investing to better serve their clients. She mentions several certifications and networks that advisors can pursue to enhance their understanding of this field. Andrea's book, The Social Justice Investor, is available on Amazon, and she can be reached through her website, . --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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From “Got Milk?” to “It's Gotta Be a CFP®”: The Strategy Behind CFP Board’s Public Awareness Campaign – Kevin Keller [CEO, CFP Board]
08/21/2024
From “Got Milk?” to “It's Gotta Be a CFP®”: The Strategy Behind CFP Board’s Public Awareness Campaign – Kevin Keller [CEO, CFP Board]
In this episode, host Belle Osvath, CFP®, interviews Kevin Keller, CAE, the CEO of CFP Board, about their latest public awareness campaign. Keller shares insights into the campaign's goal of increasing consumer recognition of the CFP® certification with the tagline, "It's Gotta Be a CFP®." Keller discusses the campaign's development and budget and how its effectiveness is being measured through metrics like unaided awareness. He shares that this campaign is modeled after successful industry advertising strategies, such as the iconic "Got Milk?" campaign. The commercials are designed to highlight the unique value of CFP® professionals and reinforce client confidence when working with a certified financial planner. Keller explains how CFP® professionals contribute to funding the campaign and discusses the upcoming CFP Board Connections Conference, an event to connect practitioners, educators, and firms in the financial planning ecosystem. For CFP® professionals interested in how their credentials are being marketed or for those curious about the campaign's impact, this episode provides insights into the board's strategy to raise public awareness and elevate the CFP® brand. Links: Kevin’s LinkedIn: CFP Board Commercial: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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The Evolving Advisor: How Value-Centric Planning Is Changing the Game - Andy Baxley [Certified Financial Transitionist]
08/07/2024
The Evolving Advisor: How Value-Centric Planning Is Changing the Game - Andy Baxley [Certified Financial Transitionist]
In this episode, host Belle Osvath, CFP®, speaks with Andy Baxley, MS, CFP®, CIMA®, a Certified Financial Transitionist, about the evolving role of financial advisors. Andy, an independent financial planner at the Planning Center, discusses how changes in people's lives, work, and retirement necessitate a shift in financial planning approaches. He emphasizes the importance of understanding clients' values and designing financial plans that reflect these values rather than adhering to outdated societal norms. Andy explains that the traditional 9-to-5 job model until retirement at 65 is becoming obsolete. With increased life expectancies and more fulfilling work opportunities, people seek phased retirements, sabbaticals, and encore careers. He highlights the role of financial planners in guiding clients through these transitions, not just with technical expertise but also by helping clients reframe their work-life balance and long-term goals. Links: Statement of Financial Purpose Course: Financial Transitionist Institute: Andy's LinkedIn: For more information on the Financial Planning Association National Capital Area Chapter, visit . --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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The AI Edge: Augmenting Your Practice – Rachel Witkowski (Reporter)
07/24/2024
The AI Edge: Augmenting Your Practice – Rachel Witkowski (Reporter)
In this episode, host interviews Rachel Witkowski, an award-winning financial tech and AI reporter, about the integration of AI in financial planning. They discuss current AI applications, upcoming innovations, and the security concerns surrounding these technologies. They also touch upon the Advise AI conference, which is dedicated to exploring AI tools for financial advisors. Advise AI Conference: Beautiful AI: LinkedIn: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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Beyond Advising: The Essential Role of Daily Money Managers - Christine Dolan [Founder & Daily Money Manager]
06/26/2024
Beyond Advising: The Essential Role of Daily Money Managers - Christine Dolan [Founder & Daily Money Manager]
In this episode, host Belle Osvath, CFP® interviews Christine Dolan, the founder of C. Dolan and Associates Financial Organizing. Christine explains the role of a daily money manager and how they provide essential day-to-day financial management services that complement the work of financial advisors. Christine details how her firm helps clients manage their bills, organize financial paperwork, prepare for tax time, and reduce financial stress. The discussion also covers the signs that a client may need a daily money manager and how financial advisors can approach this topic with their clients. This episode is for financial planners looking to understand the benefits of daily money management for their clients and how to find trustworthy professionals in this field. --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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The Only Marketing Left for Financial Advisors - Matt Halloran [Founder]
06/13/2024
The Only Marketing Left for Financial Advisors - Matt Halloran [Founder]
In this episode host Belle Osvath interviews Matt Halloran, Co-founder, and Chief Relationship Officer at ProudMouth, on the power of influence in financial planning marketing. Matt discusses how the marketing landscape has fundamentally changed, emphasizing that traditional selling methods are being replaced by content-driven influence that allows potential clients to engage and connect with advisors on their terms. Matt outlines how financial planners can effectively utilize podcasts as a marketing tool, stressing the importance of having a focused niche rather than attempting to appeal to a broad audience. He shares insights into the necessity of content preparation and planning, suggesting that advisors need to know their message and audience intimately to create impactful content. From content ideation to compliance, Matt's advice is grounded in real-world experience. He also shares effective strategies for promoting and sharing content to grow an audience organically.
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Ep 34. Investing in Education: The Future of Wealth Management - Mike Alves [Founder]
05/22/2024
Ep 34. Investing in Education: The Future of Wealth Management - Mike Alves [Founder]
In this episode, host Belle Osvath, CFP® speaks with Mike Alves, MSAFP, CFP®, CEPA, CRPC®, founder of Vida Private Wealth. Mike shares his unique approach to integrating financial education into wealth management by developing a curriculum tailored to young people from childhood through adulthood. He discusses the genesis of this initiative, which began somewhat by accident but evolved into a deliberate and structured program aimed at educating clients' children and grandchildren about wealth management and financial responsibility. Mike explains the importance of introducing financial concepts early, noting that the younger generation is becoming increasingly aware of complex financial products like private equity and cryptocurrency due to widespread access to information via social media. His approach is hands-on, with classes tailored to different age groups, ensuring that the financial education provided is age-appropriate and engaging. --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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Ep. 33 Searching for Alpha: Strategies Amidst Market Overvaluation - David Marra [Founder & CIO]
05/15/2024
Ep. 33 Searching for Alpha: Strategies Amidst Market Overvaluation - David Marra [Founder & CIO]
In this episode, host Belle Osvath, CFP® welcomes David Marra, Chief Investment Officer at Markin Asset Management, back to discuss the current state of U.S. equity markets and investment strategies in the context of perceived market overvaluation. David shares insights into the cyclically adjusted PE ratio (CAPE) and its implications for future market returns, highlighting expectations of lower-than-average equity returns over the next decade due to high current valuations. David also delves into the concept of "American exceptionalism" in financial markets, attributing recent strong performances to efficient capital markets and aggressive federal deficit spending, which he warns may not be sustainable. He stresses the importance of investors adjusting expectations and planning strategies to anticipate potentially lower future returns. Furthermore, David explores investment opportunities in sectors less dependent on government expenditure, particularly in artificial intelligence (AI) and GLP-1-related healthcare innovations. He emphasizes AI's increasing utility and potential for substantial growth, contrasting it with the dot-com bubble by noting more sustainable current valuations and profitability among leading AI firms. --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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Ep 32. The Missing Billionaires - Victor Haghani [Founder & Author]
05/01/2024
Ep 32. The Missing Billionaires - Victor Haghani [Founder & Author]
In this episode host, Belle Osvath, CFP®, chats with Victor Haghani, co-author of "The Missing Billionaires: A Guide to Better Financial Decisions" and founder of Elm Wealth. Victor discusses the intriguing phenomenon of America's wealthiest families losing their fortunes over generations despite favorable investment conditions. He explores these families' critical mistakes, particularly poor risk management and unsustainable spending habits. Victor's insights are rooted in his extensive experience in finance, including roles at Salomon Brothers and as a co-founder of Long Term Capital Management. He also spent significant time in academia at the London School of Economics. His book covers why, despite historical market growth, many of the early 20th-century fortunes did not endure, pointing to over-concentration in investments and fixed spending habits that needed to adjust to actual returns. LinkedIn: Website: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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Ep 31: Beyond the Greenwash: Using ESG as Core Investment Data - Liz Simmie [Founder])
04/25/2024
Ep 31: Beyond the Greenwash: Using ESG as Core Investment Data - Liz Simmie [Founder])
In this episode, host interviews Liz Simmie co-founder of Honey Tree Investment Management. They discuss the importance of ESG (Environmental, Social, and Governance) data in investment analysis. Contrary to being a niche element, Liz argues that ESG data should be considered fundamental to assessing a company's viability for long-term growth and risk. Her firm, Honey Tree, integrates ESG data alongside traditional financial metrics, viewing it equally significant. Liz highlights that many traditional investors perceive ESG data as a constraint that might detract from returns. However, she posits that companies with strong ESG practices tend to perform better in the long run, debunking the myth that ESG considerations undermine financial performance. Liz also sheds light on the history and evolution of ESG investing and underscores the depth and significance of ESG beyond current market trends. --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.
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Ep. 30 The Future Is Now: How Planners Are Using AI - Gabe Rissman [Founder]
03/20/2024
Ep. 30 The Future Is Now: How Planners Are Using AI - Gabe Rissman [Founder]
Host Belle Osvath, CFP® interviews Gabe Rissman, Co-Founder and President of YourStake a company that is utilizing AI to transform the planning industry. LinkedIn: --- FPA NCA News & Events: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.
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Ep 29. The Art of Letting Go: Expert Advice for Handling Clients That You Have Outgrown – Jennifer Gray [Advisor Therapist & Coach]
02/28/2024
Ep 29. The Art of Letting Go: Expert Advice for Handling Clients That You Have Outgrown – Jennifer Gray [Advisor Therapist & Coach]
In this episode host Belle Osvath, CFP® speaks with Jennifer Gray a mental health therapist and business coach that specializes in helping financial advisors navigate growth and evolve along with their practice. Links: Website: Linked In: Script: FPA NCA News & Events: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.
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Introducing: The Smarter Planner Symposium 2024
01/18/2024
Introducing: The Smarter Planner Symposium 2024
Register now! --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPANCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.
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Ep 28. Real Estate: The Forgotten Asset Class - Rich Arzaga [CFP & Real Estate Whisperer]
01/03/2024
Ep 28. Real Estate: The Forgotten Asset Class - Rich Arzaga [CFP & Real Estate Whisperer]
In this episode host, Belle Osvath, CFP®, interviews Rich Arzaga, CFP® CCIM, the Founder of The Real Estate Whisperer Financial Planning. Rich specializes in creating detailed financial plans that analyze and evaluate client real estate holdings. His approach provides valuable insight far beyond what most planners provide and has allowed him to build a thriving practice in a highly sought after niche. Rich believes that most financial planners fall short when it comes to this major asset class. He talks about his approach and how planners can get the training they need to better serve their clients. Links: Email Website: LinkedIn: --- FPA NCA News & Events: Recommend a podcast guest: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPANCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.
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Ep. 27 Hidden Gem Unveiled: A Little-Known Health Insurance Option for Entrepreneurs – Gary Cox [Insurance Specialist]
12/20/2023
Ep. 27 Hidden Gem Unveiled: A Little-Known Health Insurance Option for Entrepreneurs – Gary Cox [Insurance Specialist]
In this episode host Belle Osvath, CFP® interviews Gary Cox about a unique health insurance option that allows some self-employed individuals to purchase health insurance as a "Group of One" instead of an individual policy which may result in reduced cost and broader coverage. Gary talks about this type of coverage, who may want to consider it and how you can locate a skilled insurance professional in your state to help you identify if this option is available for you or your clients. If you have small business owner clients, this is the show for you. Links: Gary’s email: NABIP Find An Agent: FPA NCA News & Events: Recommend a podcast guest: --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPANCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.
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