With everything that has happened in the past few years, financial planning firms have evolved — not only in the way they serve but also in where they are heading.
In this episode, Robert Curtiss explores the past and future of his practice. He shares some areas his firm has expanded on, touching on aspects outside of traditional finance, such as his podcast and all things client experience.
Rob discusses:
The elements he has added to his practice for the benefit of his clients
Ways he develops the relationship with clients to make the financial planning process easier
Some financial planning improvement areas he’s looking to focus on
A new way to look at actions taken today and how they will bloom in the future
What you should know about his practice management approach
Humans have a longer life expectancy today compared to the last 20 years.
However, the cost of long-term care and an increase in patients with dementia and Alzheimer’s has changed the way we consider long-term care planning.
In this episode, Anthony Ridd from Crump Life Insurance Services joins Robert Curtiss to explain the role of long-term care planning when it comes to financial planning. Anthony shares how the current life expectancy and a higher consciousness towards mental and physical health play a role in the what, when, where, and how of long-term care.
Rob and Anthony discuss:
How to start the conversation around long-term care policies and funding options
When is the right time to start planning for long-term care
Ways health conditions such as dementia and Alzheimer’s have impacted the way people plan for long-term care
Return of premiums and ways they fit within long-term care planning
Anthony Ridd is with Crump Insurance Services, a national insurance broker-dealer. His role is to support a select group of financial professionals, including Robert Curtiss and SEIA, in the area of risk management. Robert regularly uses his services and brings him in where appropriate for client conversations as part of his Value Added Support Team (VAST).
Whether it’s sports or business, a good coach or mentor can help you challenge yourself and raise the bar for your professional growth.
A year ago, Robert Curtiss started working alongside a coach to up his business and come up with several systems and processes to better serve clients.
In this episode, Rob sits down with his business coach Mike Cy from Pareto Systems. They unpack the importance of being coachable as a business leader while unveiling the pandemic and its role in helping advisors adapt to a new business model.
Robert and Mike discuss:
The value of working outside of your comfort zone
Reasons the second generation found money is different from the first generation earned money
The importance of focusing on what you can control
Ways a refined and developed business process can help you better serve your clients
Client experience and tips on building a valuable client-advisor relationship
How to determine if clients and advisors are the right fit for each other
Mike “Cy” Cajthaml Jr. has enjoyed a 14-year career in the financial services industry. Mike is a passionate and energetic leader that enjoys developing business refinement and practice management strategies and thrives on helping his clients achieve their goals.
He got his start in the industry at a large insurance-marketing organization where he consulted financial advisors across the country with product and marketing solutions for their businesses. It was during his time with this firm that he was introduced to Pareto Systems and began learning about the Pareto Process.
After six years of coaching and consulting advisers, Mike decided to become a financial advisor himself and built a practice with his father in Overland Park, KS. Together they managed millions of dollars of assets and utilized various insurance-based products. In an incredibly competitive marketplace, Mike knew the value of creating professional contrast and began implementing many of Pareto’s processes.
When the waves become rocky, clients turn to their advisors for stability within their investments.
But what about financial advisors? How do they feel when faced with the same situation?
In this episode, Robert Curtiss shares insight into the role of financial advisors for clients, both in financial planning and as a pillar when the market becomes stormy. Rob unveils how he’s dealing with the current state of the economy as a person and a financial professional.
Rob discusses:
What types of conversations are advisors having with clients
The opportunity in unpredictable market waves
The role of financial advisors as a pillar within future client plans beyond their financial planning
How flexible is your retirement plan? Would you send money to the government or your employees?
In this episode, Robert Curtiss is joined by Kevin Manahan, vice president actuary at CMC Pension Professionals. Rob and Kevin unveil their collaborative approach to optimizing retirement plans for business owners and their employees with a focus on cash balance plans and taxes.
Rob and Kevin discuss:
Ways they tailor qualified retirement plans according to client needs and goals
The role of cash balance plans when it comes to selling your business in the future
The benefits of working alongside specialized professionals to optimize different areas of your financial and retirement plan
How supporting employees through financial planning can provide tax savings
Kevin Manahan is an enrolled actuary (EA) as well as a member of the Society of Actuaries (SOA) and the American Society of Pension Professionals and Actuaries (ASPPA). Kevin has been involved in reviewing EA enrollment exams for the Joint Board for Enrolled Actuaries. He has also spoken and conducted seminars for CPAs, brokers, and insurance clients.
Finding the right financial advisor who understands each individual needs can be a challenge for clients.
Learn how Signature Estate and Investment Advisors (SEIA) creates an effective strategy when meeting potential clients in this week’s episode of The Millionaire Next Door.
This week, Robert Curtiss shares his approach to finding the right client and building relationships to benefit their financial planning. He dives into the personal as well as the professional aspect of working with clients according to their individual wants and needs.
Rob discusses:
Key pieces of information he provides during the first meeting
What you should know about his FORM process
How he adds value to clients through personal and professional experiences
His approach to preparing financial plans for clients and their beneficiaries
We hear about stock prices, inflation, taxes, and the conflict between Russia and Ukraine on the news — all this with lots of numbers and information.
Luckily, here’s where financial advisors like Rob Curtiss untangle the numbers to help clients move forward.
In this episode, Rob dives into current world events, revealing their impact on inflation, taxes, and investment planning as clients shift their routines. He shares what his company looks for in potential clients, along with concerns individuals bring up during a single call-in.
Rob discusses:
What you should know about his objective, unemotional rules-based process
Current inflation compared to past inflation rates
His approach to working alongside potential clients
Ways he determines if they are the right fit for each other
Common client questions due to current uncertainty
Our approach to saving for retirement and investing our money differs from the past.
In this episode, Robert Curtiss dives into retirement and social security, revealing how current events impact where investments lie and individual priorities when it comes to savings.
Robert unveils the different types of retirement accounts, the ways each is influenced by the money we put in, and the importance of working alongside a support team that will help build an optimal retirement plan.
Rob discusses:
How the current turmoil and geopolitical upheaval influences the market
Reasons why investments are shifting towards defense stocks
The importance of balancing retirement funds with tax planning
How inflation impacts social security and investment planning for retirement
If there is one thing financial advisors have learned from the pandemic, it is the importance of adapting to their client needs.
In this episode, Robert Curtiss shares his latest endeavors in refining and enhancing the client experience at Signature Estate and Investment Advisors. Rob reveals what his clients are looking for within their financial and retirement planning and recounts examples of how he has provided clients with the personalized attention they need.
Robert discusses:
The three questions he is asking clients to refine his process
Reasons why advisors need to know what’s happening in their client’s life
What clients want for their legacy
The value of providing personalized client service and attention
In business, having the ability to replicate a process benefits more than the company. This process becomes the groundwork for building a business higher.
In this episode, Robert Curtiss dives deeper into the creation of his business, revealing why he created a process and the replication possibilities. He shares how surfing influenced his process, focusing on the importance of evolving and adapting to the current world and maintaining an objective mindset when it comes to managing money.
Robert discusses:
The importance of creating a process for a business
How his joy of surfing influenced his process
How the process impacts his practice as a fiduciary
