Tag: Robert Curtiss

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Here’s What You Need To Know About Value-Added Service Teams with Mike Cy (Ep. 27)

Here’s What You Need To Know About Value-Added Service Teams with Mike Cy (Ep. 27)

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Professionals collaborating with other professionals can lead to more creative solutions, more innovative ideas, and ultimately better results for advisors and their clients.

In this episode, Rob Curtiss is joined by returning guest and business consultant at Pareto Systems, Mike Cy, to talk about value-added service teams while referring to the importance of advisors collaborating with like-minded advisors to achieve the best outcomes for their clients.

Listen in and discover how Rob’s relationship with his clients goes beyond their investments and the ways he leverages strategic partnerships within his business.

Rob and Mike discuss:

  • Ways the financial planning strategy they have been building together can benefit you and your clients 
  • Why (and how) to incorporate life coaching aspects into your client’s financial planning process
  • Tips and tricks you need to build valuable connections with other professionals within your industry
  • And more!

Resources:

Connect with Robert Curtiss:

Connect with Mike Cy:

About Our Guest:

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.

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Exploring The Benefits of Direct Indexing with Sam Miller, CFA®, CFP®, CAIA® (Ep. 26)

Exploring The Benefits of Direct Indexing with Sam Miller, CFA®, CFP®, CAIA® (Ep. 26)

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Want to know how to personalize and customize your investment portfolio while potentially gaining tax benefits?

Let us introduce you to direct indexing!

In this episode, Robert Curtiss sits down with Sam Miller, the director of research and marketing at Signature Estate & Investment Advisors (SEIA), to talk about direct indexing and its advantages for investors. 

Listen in as they delve into various cases of direct indexing, including its tax benefits, ESG customization, and active engagement with companies.

Sam discusses:

  • Direct indexing and how it allows investors to personalize and customize their portfolio with individual stocks while applying ESG aspects
  • Various cases of direct indexing, including setting a tax budget, customizing portfolios based on ESG or faith-based values, and active engagement with companies through proxy voting
  • The minimum required for direct indexing
  • Direct indexing as a flexible and customizable tax-efficient tool (which can be used in various investment scenarios, including in IRAs).
  • And more!

Resources:

Connect with Sam Miller:

Connect with Robert Curtiss:

About Our Guest: 

Sam Miller, CFA®, CFP®, CAIA® is the Director of Research & Marketing and a member of the SEIA investment management and research department, where he contributes thought leadership and expertise to the due diligence, portfolio construction, and investment selection processes. He works closely with SEIA’s Investment Committee to formulate and communicate opinions on the economic and investment environment.

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What You Should Know About ESG and SRI in Investment Planning with Sam Miller, CFA®, CFP®, CAIA® (Ep. 23)

What You Should Know About ESG and SRI in Investment Planning with Sam Miller, CFA®, CFP®, CAIA® (Ep. 23)

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The idea of aligning our money with our goals is a common practice. However, the focus today is aligning our investments with what we are truly passionate about.

In this episode, Robert Curtiss is joined by Sam Miller, the director of research and marketing at Signature Estate & Investment Advisors (SEIA). Together they unpack the impact of environmental, social, and governance (ESG) and socially responsible investing (SRI) within portfolio planning and how personal beliefs influence investment planning.  

Sam discusses:

  • How the term ESG entered the mainstream media
  • The value of aligning our ESG and SRI investments with what we are passionate about
  • How to implement ESG and SRI investments within our portfolio 
  • What you should know about the different financial planning vehicles and their role in how financial plans are built
  • And more!

Resources:

Connect with Sam Miller:

Connect with Robert Curtiss:

About Our Guest: 

Sam Miller, CFA®, CFP®, CAIA® is the Director of Research & Marketing and a member of the SEIA investment management and research department, where he contributes thought leadership and expertise to the due diligence, portfolio construction, and investment selection processes. He works closely with SEIA’s Investment Committee to formulate and communicate opinions on the economic and investment environment.

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SECURE Act 2.0: Here’s What To Do Differently in 2023 (Ep. 22)

SECURE Act 2.0: Here’s What To Do Differently in 2023 (Ep. 22)

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The SECURE Act 2.0 has brought significant changes to retirement planning in 2023 and beyond, especially in IRA and 401(k) plans.

In this episode, Robert Curtiss shares key highlights from the SECURE Act 2.0 and how you can use the new provisions to save in taxes, contribute more effectively to your retirement accounts, and improve your overall retirement picture.

Rob discusses:

  • How’s the SECURE Act 2.0 impacting required minimum distributions (RMDs)
  • When you might be able to accelerate your retirement savings
  • Legislative changes starting in 2024 (which you should start thinking about now)
  • Major changes around 529 plans, catch-up contributions, and Roth conversions
  • And more!

Resources:

Connect with Robert Curtiss:

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What’s Next For Retirement & Financial Planning (Ep. 20)

What’s Next For Retirement & Financial Planning (Ep. 20)

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As time passes, client needs (and government regulations) surrounding retirement accounts change. 

So, what are some considerations advisors need to think about when it comes to building future retirement accounts?

In this episode, Robert Curtiss looks into the future. From company improvements to how government changes to retirement accounts will impact 401(k) contributions. Rob shares how he balances service to others with service to himself while still focusing on providing clients the financial care they need.

Rob discusses:

  • His approach to creating an impeccable experience for his clients
  • What makes him different from other practices
  • His focus on financial planning as the needs of his client base shifts
  • Ways the increase in retirement contribution will change retirement planning
  • And more!

Resources:

Connect with Robert Curtiss:

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Expanding Investment Opportunities Through Effective Tax Planning with Sam Miller, CFA®, CFP®, CAIA® (Ep.19)

Expanding Investment Opportunities Through Effective Tax Planning with Sam Miller, CFA®, CFP®, CAIA® (Ep.19)

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Building tax strategies around investment plans provide a layer of security to reduce the cost of returns while allowing you to further invest that money.

In this episode, Robert Curtiss is joined by Sam Miller, the director of research and marketing at Signature Estate & Investment Advisors (SEIA). Sam unpacks the different types of investment options clients can consider, how they fit within portfolio planning, and the importance of including a tax planner in your investment planning.

Sam discusses:

  • His role at SEIA and his approach to portfolio construction and investment selection
  • How he separates alternative investments based on how fiduciarily responsible they are for their clients
  • What additional elements have opened up in the wake of inflation to diversify portfolios
  • Strategies to liquefy a singular long-term investment while avoiding a huge tax cost
  • The tax planning associated with capital gains and qualified opportunity zone funds
  • And more!

Resources:

Connect with Sam Miller:

Connect with Robert Curtiss:

About Our Guest: 

Sam Miller, CFA®, CFP®, CAIA® is the Director of Research & Marketing and a member of the SEIA investment management and research department, where he contributes thought leadership and expertise to the due diligence, portfolio construction, and investment selection processes. He works closely with SEIA’s Investment Committee to formulate and communicate opinions on the economic and investment environment.

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Looking Into The Future of The Millionaire Next Door (Ep.18)

Looking Into The Future of The Millionaire Next Door (Ep.18)

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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 
  • And more!

Resources:

Connect with Robert Curtiss:

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Creating A Supportive Long-Term Care Plan with Anthony Ridd (Ep. 17)

Creating A Supportive Long-Term Care Plan with Anthony Ridd (Ep. 17)

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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
  • And more!

Resources:

Connect with Anthony Ridd:

Connect with Robert Curtiss:

About Our Guest:

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).

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Being Coachable with Mike Cy (Ep. 16)

Being Coachable with Mike Cy (Ep. 16)

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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
  • And more!

Resources:

Connect with Robert Curtiss:

Connect with Mike Cy:

About Our Guest:

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.

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