What Do Clients Value Most in A Financial Advisor?

Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®

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תוכן מסופק על ידי Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®, Kevin Kroskey, Tyler Emrick, and CFA® CFP®. כל תוכן הפודקאסטים כולל פרקים, גרפיקה ותיאורי פודקאסטים מועלים ומסופקים ישירות על ידי Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®, Kevin Kroskey, Tyler Emrick, and CFA® CFP® או שותף פלטפורמת הפודקאסט שלהם. אם אתה מאמין שמישהו משתמש ביצירה שלך המוגנת בזכויות יוצרים ללא רשותך, אתה יכול לעקוב אחר התהליך המתואר כאן https://he.player.fm/legal.

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Unlocking Your Hidden Genius: How to Harness Your Innate Talents with Betsy Wills & Alex Ellison | Ep. 289 32:08

לפני 21 ימים32:08

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32:08

Did you know there’s an actual science to uncovering your hidden genius? It’s not about filling out a “dream job” worksheet—it’s about understanding how your brain is wired, identifying your natural aptitudes, and using them to thrive. This isn’t just a self-discovery exercise. It’s a game-changer for your career, your relationships, and how you show up in the world. Betsy Wills and Alex Ellison are redefining how we approach career discovery, proving that finding the right path isn’t just about landing a job—it’s about creating a life that aligns with who you actually are. ✅ Betsy Wills – Cofounder of YouScience, a groundbreaking psychometric assessment platform reshaping how we understand our talents. She’s also the Director of Marketing & Branding at Diversified Trust and a frequent lecturer at Vanderbilt University and NYU’s Stern School of Business. ✅ Alex Ellison – Founder of Throughline Guidance, a global college and career counseling practice. She’s a sought-after writer, speaker, and expert in college readiness and career development. ✅ Together, they co-authored Your Hidden Genius: The Science-Backed Strategy to Uncovering and Harnessing Your Innate Talents. Discovering your hidden genius isn’t just about career success—it’s about tapping into what makes you, you . Connect with Betsy & Alex: Website (Free Downloads): www.yourhiddengenius.com Book: https://www.harpercollins.com/products/your-hidden-genius-elizabeth-m-willsalexandra-ellison Related Podcast Episodes: How To Be You, But Better with Olga Khazan | 288 Finding Purpose Through Human Design with Emma Dunwoody | 228 195 / Finding (And Using) Your Voice with Amy Green Smith Share the Love: If you found this episode insightful, please share it with a friend, tag us on social media, and leave a review on your favorite podcast platform! 🔗 Subscribe & Review: Apple Podcasts | Spotify | Amazon Music…

לפני שנה 31:28

MP3•בית הפרקים

In this episode, we investigate the pivotal points that clients continually express genuinely matter when seeking financial guidance.

Hear Tyler Emrick, CFA®, CFP®, explore the deeper aspects of working with a Financial Advisor and how they hold significance when choosing and continuing to work with a financial professional.

Here’s some of what we discuss in this episode:

How a conversation with his wife sparked the idea for this show for Tyler.

How we get feedback from our clients to help us evaluate our service.

Where does an advisor add specific value to a client?

Tyler will share a few specific things that people want from their advisor.

The many different designations advisors have and a breakdown of which ones you should pay attention to.

How important are returns?

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

168 פרקים

#Trading #Business #Business News #News #Careers #Kevin Kroskey CFP® Tyler Emrick CFA® #CFA® CFP® #Kevin Kroskey #Tyler Emrick

What Do Clients Value Most in A Financial Advisor?

Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®

23 subscribers

published לפני שנה

שתפו

MP3•בית הפרקים

In this episode, we investigate the pivotal points that clients continually express genuinely matter when seeking financial guidance.

Hear Tyler Emrick, CFA®, CFP®, explore the deeper aspects of working with a Financial Advisor and how they hold significance when choosing and continuing to work with a financial professional.

Here’s some of what we discuss in this episode:

How a conversation with his wife sparked the idea for this show for Tyler.

How we get feedback from our clients to help us evaluate our service.

Where does an advisor add specific value to a client?

Tyler will share a few specific things that people want from their advisor.

The many different designations advisors have and a breakdown of which ones you should pay attention to.

How important are returns?

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

168 פרקים

#Trading #Business #Business News #News #Careers #Kevin Kroskey CFP® Tyler Emrick CFA® #CFA® CFP® #Kevin Kroskey #Tyler Emrick

Tüm bölümler

1
Don’t Panic: Navigating Market Downturns and Boosting After-Tax Returns 30:03

לפני 6 ימים30:03

30:03

If the recent market drop has you feeling uneasy, you’re not alone — but sharp swings are regularities you need to navigate. The S&P 500 and Nasdaq have both taken hits this year, but history shows that intra-year declines like these are common and something long-term investors have weathered time and again. In this episode, Tyler Emrick, CFA®, CFP®, breaks down recent market moves, highlights where diversification is working, and shares how tax strategies and disciplined rebalancing can help keep your investment strategy running smoothing and financial plan on track. Here’s some of what we discuss in this episode: 📉 Market pullbacks are normal—even healthy 📊 Diversification is your protection in volatile times 🔁 Rebalancing can improve long-term returns 💸 Tax-loss harvesting can create future tax benefits 🧠 Discipline beats emotion when markets get rocky Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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The Next Big Tax Shake-Up: How a New Tax Bill Could Impact You 27:22

לפני 20 ימים27:22

27:22

Big tax changes could be coming soon! On February 25, the House passed a budget resolution setting a $4.5 trillion cap for a new tax bill that could replace the Tax Cuts and Jobs Act (TCJA) before it expires at the end of 2025. But what will the new law look like, and how will it impact your financial plan? In this episode, Tyler Emrick, CFA®, CFP®, breaks down the key debates in Congress, what changes might be coming, and how you can prepare now to optimize your tax strategy. Here’s some of what we discuss in this episode: 📉 TCJA Expiration in 2026 – What happens when the current tax cuts expire? ⚖️ New Tax Bill Proposals – The biggest changes lawmakers are considering 💰 How to Prepare – What you should do now before changes take effect ⏳ Why Timing Matters – Waiting too long could cost you thousands 📊 Tax Planning for Retirement – Strategies to minimize your tax burden Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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The Advisor Premium: More Than Just Investment Management 36:18

לפני 5 weeks36:18

36:18

Are you leaving money on the table? For families weighing their options when choosing a financial advisor, Vanguard’s Advisor Alpha study has long been the go-to guide—and now, fresh research from SmartAsset echoes the sentiment that the right advisor could boost your net returns by over 2% annually. In this episode, Tyler Emrick, CFA®, CFP®, reveals why many advisors miss that extra edge and how True Wealth Design’s holistic approach—integrating smart investments, proactive tax strategies, and comprehensive financial planning—ensures you capture every opportunity. Here’s some of what we discuss in this episode: New study puts annual financial advisor value premium at more than 2%. The idea that your advisor should be both offensive and defensive in their approach to planning. What differentiates ourselves when someone decides to get serious about managing some aspect of their financial life. The four areas that most families come to us for help. What happens when someone reaches out to us and how does the process begin? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Home Sweet Retirement: A Guide to Your Perfect Retirement State 29:22

לפני 7 weeks29:22

29:22

Retirement isn’t just about your savings—it’s also about where you choose to live. In this episode, Tyler Emrick, CFA®, CFP®, explores WalletHub’s 46-factor framework for ranking states for retirees, examining everything from tax rates and cost of living to leisure opportunities and healthcare access. We also unpack the key financial and personal considerations, such as state taxes on Social Security and the importance of staying close to loved ones. Tune in for practical insights to help you pick the retirement destination that fits your lifestyle and financial goals. Here’s some of what we discuss in this episode: The 46 different factors related to well-being in retirement and how they can help you pick a state to live. Moving to a lower-tax state doesn’t always result in lower taxes on deferred income. Weighing all the different financial factors that will directly impact your retirement. The soft factors that could make the difference when it comes to enjoying retirement. Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Money, Memory, and Longevity: Navigating Retirement Challenges 25:34

לפני 10 weeks25:34

25:34

Can money really buy a longer, healthier life? In this episode, Tyler Emrick, CFA®, CFP®, dives into the surprising connection between wealth and longevity, uncovering how financial freedom can unlock better health, reduced stress, and more fulfilling retirement years. We also tackle the challenges of cognitive decline, exploring its impact on financial decision-making and how a trusted financial advisor can help safeguard your investments and create a solid aging plan to spend smarter, plan better, and protect your legacy as you age. Here’s some of what we discuss in this episode: Wealth can unlock many benefits for retired clients. The four components of an ‘aging plan’ to help people as they experience cognitive decline. Aging and the impact of cognitive decline on investment decisions. What studies tell us about the value of financial advisors as people age. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Big Changes to Social Security 22:19

לפני 12 weeks22:19

22:19

The Social Security Fairness Act is shaking up the retirement landscape, eliminating the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) for millions of retirees. These long-standing provisions have impacted Social Security benefits for public sector workers like teachers, firefighters, and police officers—until now. In this episode, hear Tyler Emrick, CFA®, CFP® dive into what the changes mean, how retirees can expect retroactive payments, and the broader impact on the Social Security system. Here’s some of what we discuss in this episode: Background on the Social Security Fairness Act that was signed into law on January 5. The Windfall Elimination Provision (WEP) and Government Pension Offsets (GPO) reduce regular Social Security benefits. Affected retirees stand to gain significant financial relief. The benefits come with a cost so what it does it mean for the long-term solvency? Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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The Case for Patience: Why Waiting for Social Security Pays Off 31:43

לפני 15 weeks31:43

31:43

In this episode, Tyler Emrick, CFA®, CFP®, explores the key financial and psychological factors driving early Social Security claims. Discover how a well-optimized strategy could boost your lifetime spending by more than 10%. Your Social Security decision isn’t just about dollars and cents—it’s a critical piece of your retirement puzzle. Join us to learn how to sidestep common pitfalls, maximize your benefits, and secure a more confident, fulfilling retirement. Here’s some of what we discuss in this episode: What research and stats tell us about the benefits that get left on the table. What’s the motivation behind the decision to claim early. Will Social Security still be around when it’s time for you to claim? What if President Trump stops taxes on Social Security? The benefits of waiting to take it later in life. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Part 3: The Long and Short on Tax-Aware, Long-Short (TALS) Investing 37:43

לפני 17 weeks37:43

37:43

Remember in 2022 when both stocks and bonds fell in lockstep? Did you think diversification failed? Want to build a more diversified, resilient portfolio to better grow and protect your hard-earned dollars? Hear Kevin Kroskey, CFP®, MBA discuss how the TALS strategy adds unique sources of returns to your portfolio outside of traditional stocks and bonds. Here’s some of what we discuss in this episode: How this strategy helps with asset allocation and tax efficiency. The strategy involves long and short positions in a basket of stocks. Who are the clients that would benefit the most from this? Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Part 2: The Long and Short on Tax-Aware, Long-Short (TALS) Investing 48:43

לפני 19 weeks48:43

48:43

Have a sizable brokerage account? Have unrealized capital gains? Pay income taxes at the highest rates? Want to pay your fair share but no more? If so, this is an episode not to miss. In part 1 of this series, Kevin Kroskey, CFP®, MBA explored why adding the TALS strategy may yield significant investing and tax benefits. He described how TALS can help you defer, avoid, and potentially eliminate your capital gains. For the most successful investors that meet the definition of an SEC Qualified Purchaser, generally one with $5m+ of investments, there is another leg to the TALS strategy that can help you solve your ordinary income tax problems too. Whether derived through your business or from non-business income such as wages, interest, non-qualified dividends be sure to tune in and listen closely. Here’s some of what we discuss in this episode: Why should you care about this investing strategy? The tax benefits to TALS and the keys to smart trading and executing. Applications of how realizing capital losses can be beneficial. The TALS separately managed account and limited partnerships strategy. Learn more about tax strategies and tax-aware investing here: https://www.truewealthdesign.com/part-2-the-long-and-short-on-tax-aware-long-short-tals-investing/ Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Part 1: The Long and Short on Tax-Aware, Long-Short (TALS) Investing 45:24

לפני 21 weeks45:24

45:24

For successful investors and high-income earners, this is an episode not to miss... Sure, you can own an S&P 500 ETF or mutual fund. You could also own the 500 stocks individually, a strategy nowadays called direct indexing. Direct indexing aims to capitalize on individual stock volatility and add tax benefits by harvesting losses. Or you may choose to go a step farther up the complexity ladder to own the 500 stocks individually with a tax-aware, long-short overlay. Let's call that TALS for short. Here you expect to obtain the return of the S&P 500, add an extra return from the overlay, increase diversification, and provide significantly more tax benefits than direct indexing. It's a mouthful, but it sure sounds good! Have a sizable brokerage account? Have unrealized capital gains? Be sure to listen to Kevin Kroskey, CFP®, MBA explore why adding the TALS strategy can help solve these good problems to have. Here’s some of what we discuss in this episode: The Q4 focus for our clients and an office update. These strategies are bit more complex so they broadly apply more for successful investors. The risks associated with TALS. The 3 key building blocks for this strategy. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth Tax-Loss Harvesting: Wall Street’s New Strategy Cuts Rich Americans' Bills – Bloomberg - https://www.bloomberg.com/news/features/2024-10-24/tax-loss-harvesting-wall-street-s-new-strategy-cuts-rich-americans-bills Watch Wall Street Finds Another Workaround With Taxes, Losses – Bloomberg - https://www.bloomberg.com/news/videos/2024-10-25/wall-street-finds-another-workaround-with-taxes-losses-video…

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S&P 500 or Die? A Case For Diversification 30:08

לפני 22 weeks30:08

30:08

Is diversification dead? Over the last decade, putting all your eggs in the S&P 500 basket has outperformed diversified strategies. In this episode, hear Tyler Emrick, CFA®, CFP®, explore why the U.S. market has been on an unprecedented run, why the global market portfolio hasn't kept up, and whether diversification is really the best move for long-term investors. We dive into the rise of ETFs, global market trends, and why the "SPY or die" mentality might not hold up in the future. Learn why diversification should still be a priority despite the recent performance gap. Here’s some of what we discuss in this episode: Taught diversification is fundamental to the investing process. Why diversification has been a bad idea for the last decade. The reasons why people would want to move beyond the S&P 500. The changes globally that have impacted investing. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Upcoming Tax Changes and How You Should Plan for Them 34:29

לפני 24 weeks34:29

34:29

The clock is ticking on the 2017 Tax Cuts, and big changes are looming. In this episode, Tyler Emrick, CFA®, CFP®, breaks down the complexities of the 2017 Tax Cuts and Jobs Act and its upcoming expiration in 2025. We dive into the original intent behind these cuts, what changes were made, and the impact on your bottom line. Learn how the expiration could lead to a significant tax hike unless new legislation is passed. We highlight key strategies—like maximizing retirement accounts under lower rates and leveraging deductions—so you can prepare for the changes on the horizon. Here’s some of what we discuss in this episode: Recapping the details around the 2017 Tax Cut and Jobs Act. Why were tax changes needed in the first place? The permanent change that took place and the ones that will revert back in 2026. How the income tax brackets break down. The tax deduction was substantially increased and maximizing itemized deductions. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Is the Fear of Running Out of Money in Retirement Overblown? 28:12

לפני 27 weeks28:12

28:12

This episode explores the disconnect between retirement expectations and reality, referencing a recent Gallup report that shows most retirees live comfortably despite fears about running out of money. Hear Tyler Emrick, CFA®, CFP®, discuss why non-retirees may be more fearful than needed, the role of Social Security, and how age-based spending patterns contribute to the relative success of sustaining a retirement lifestyle. And be sure to pay attention to how working with the right financial advisor can help you achieve financial independence earlier (data suggests up to three years earlier) by measuring and modeling your current spending and retirement goals more appropriately. Here’s some of what we discuss in this episode: Why is there a disconnect between retirement expectations and more positive outcomes? More people depend on Social Security for their retirement income than they expected to. The disconnect in spending when people get into retirement. A good advisor can help clients gain confidence and overcome their healthy sense of doubt. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth Check out the Social Security episode referenced in this show: https://www.truewealthdesign.com/social-security-timing-reframing-your-thinking-for-better-decision-making/…

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Untangling The New Required Minimum Distribution (RMD) Rules 28:48

לפני 29 weeks28:48

28:48

Over the last few years, significant changes have been made to how retirement accounts are managed after death, especially with new RMD rules. In July, the IRS issued its new Final Regulations regarding the SECURE Act’s provisions. In this episode, hear Tyler Emrick, CFA®, CFP®, break down the key provisions, including the 10-Year Rule for beneficiaries and updates to RMD timelines, and how these changes impact your retirement and estate planning. Here’s some of what we discuss in this episode: What the SECURE Act changed when it passed in 2019 and what’s been updated since? Which accounts are impacted by this and how does it impact taxes and estate planning? Who are designated beneficiaries and what are the differences between eligible and non-eligible? The 10-year rule for inheriting these accounts and what you need to know. The new RMD rules that will begin in 2025. Additional rules dealing with the surviving spouse, successor beneficiaries, and RMD ages. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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What Really Matters In Retirement? Six Lessons from One Retiree 28:45

לפני 31 weeks28:45

28:45

In this episode, Tyler Emrick, CFA®, CFP®, reviews the rich insights from Fritz Gilbert's blog post, "Six Lessons From Six Years of Retirement." Exploring the complexities of retirement that go beyond financial concerns, highlighting how true fulfillment often lies in navigating the non-financial aspects of this life stage. Join us as we unravel the lessons that can guide you to a more satisfying retirement. Here’s some of what we discuss in this episode: Background on The Retirement Manifesto Blog and the blog post we’re discussing. The complexity of non-financial issues and why these lead to our true happiness. Your retirement will be different than you expect. Retirees find that their priorities change as they move through retirement. Retirement can be the best years of your life but it’s up to you. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth…

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Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP® « » What Do Clients Value Most in A Financial Advisor?

What Do Clients Value Most in A Financial Advisor?

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The Let Them Theory: A Life-Changing Tool That Millions of People Can't Stop Talking About

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What Do Clients Value Most in A Financial Advisor?