Tag: The Millionaire Next Door

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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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The Many Facets of Insurance: Here’s What You Need To Know with Dana Dattola (Ep. 25)

The Many Facets of Insurance: Here’s What You Need To Know with Dana Dattola (Ep. 25)

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Planning out your insurance can widely vary, from home to auto, business, and even cyber security insurance. 

What to consider when planning or adding someone to your insurance policy? Do you know?

In this episode, Rob Curtiss speaks with Dana Dattola, a business insurance broker at Weaver & Associates. Dana details the ins and outs of insurance policies and outlines how it fits within financial and tax planning. 

Listen in as Dana shares tips for managing and understanding your insurance policy while highlighting some must-know tips to increase your insurance protection.

Dana discusses:

  • The most important tips you need to know about insurance 
  • How moving assets into an LLC changes an insurance coverage
  • The insurance coverage that’s often missed and neglected by business owners
  • The importance of maintaining documentation when it comes to home updates and renovations
  • What you should know about commercial, property, and cyber security insurance 
  • And more!

Resources:

Connect with Dana Dattola:

Connect with Robert Curtiss:

About Our Guest:

Dana Dattola is a Certified Insurance Consultant (CIC) and Certified Risk Manager (CRM). Born & Raised in Los Angeles, she is a third-generation property & casualty insurance broker. Weaver & Associates specializes in assisting growth-focused Southern California-based businesses where the owner(s) are actively involved in the operations and value a culture of safety and improvement.

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The SECURE Act 2.0 And Its Retirement Planning Changes with Emily Vincent (Ep. 24)

The SECURE Act 2.0 And Its Retirement Planning Changes with Emily Vincent (Ep. 24)

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The age requirement is only one of the changes made in the SECURE Act 2.0.

In this episode, Robert Curtiss is joined by Emily Vincent, President of Douglas M. Farr and Company. Emily unpacks the retirement planning changes reflected in the SECURE Act 2.0. Additionally, when it comes to businesses and business owners, Emily reveals how the size of the company impacts the benefits of providing retirement plans to employees.

Emily discusses:

  • How the changes to the SECURE Act 2.0 impacts older retirement plans
  • Who is included in the automatic opt-in for company retirement accounts
  • How to make the most out of company retirement accounts
  • Ways the SECURE Act 2.0 is changing its approach towards spousal-related companies
  • What you should know about Long-Term Part-Time Employees (LTPTs)
  • And more!

Resources:

Connect with Emily Vincent:

Connect with Robert Curtiss:

About Our Guest:

President of Douglas M. Farr & Company, Inc, Emily Vincent’s focus is retirement plan design and administration for businesses with 1-500 employees.

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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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