Tag: The Millionaire Next Door

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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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Modernizing The Human Resources Role with Annissa Deshpande (Ep. 15)

Modernizing The Human Resources Role with Annissa Deshpande (Ep. 15)

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The role of an HR professional has changed over the past few decades. 

While hiring the best talent is just one aspect of the job, the role of the human resources specialist now covers everything from legal compliance to workforce motivation.

In this episode, Annissa Deshpande, the CEO of lōglab, LLC, joins Rob Curtiss to unpack the four aspects of modern human resources. Annissa outlines how she has combined her knowledge and creativity to write a fiction novel about modern HR while navigating everything you need to know about hiring in this post-pandemic era. 

Annissa discusses:

  • Her definition of modern HR and its application to businesses 
  • Culture, organization, people, and rewards as the four dimensions of modern HR
  • Why company CEOs should read online reviews about their company 
  • The value of businesses knowing how they differentiate themselves from their industry competitors 
  • Switching from a traditional mindset to a modern mindset and the ways it impacts a company’s HR strategy 
  • Her role as a coach and her approach to strengthening leadership development 
  • And more!

Resources:

Connect with Robert Curtiss:

Connect with Annissa Deshpande:

About Our Guest:

After overseeing the successful hiring of over 20k people in 150 countries annually and leading internal talent initiatives as a former HR executive of a Fortune 500, Annissa Deshpande now combines her experience in finance, IT, and strategy to modernize HR for investor-backed and middle-market companies to achieve business outcomes and create a place where people love to work.

While many HR programs focus on compliance, Annissa helps teams think bigger, align with business goals, and create great experiences for employees.

Over the last 25 years, Annissa has helped her clients achieve all types of measurable business results, including growing revenue, improving profitability, evaluating the workforce implications of different business models, retaining key talent, avoiding layoffs, and making difficult workforce decisions when needed with compassion and respect.

 

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Facing The Investment Storm (Ep.14)

Facing The Investment Storm (Ep.14)

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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
  • What keeps him up at night
  • The seven pillars of investment management 
  • And more!

Resources:

Connect with Robert Curtiss:

 

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The Guide You Need to Take Advantage of Your Retirement Planning Benefits with Kevin Manahan, ASA, EA, MSEA (Ep.13)

The Guide You Need to Take Advantage of Your Retirement Planning Benefits with Kevin Manahan, ASA, EA, MSEA (Ep.13)

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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
  • And more!

Resources:

Connect with Robert Curtiss:

Connect with Kevin Manahan:

About Our Guest:

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.



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Finding The Right Fit (Ep. 12)

Finding The Right Fit (Ep. 12)

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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
  • And more!

Resources:

Connect with Robert Curtiss:

 

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Financial Concerns For The Current Generation (Ep.11)

Financial Concerns For The Current Generation (Ep.11)

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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

Resources:

Connect with Robert Curtiss:

 

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The 2022 Retirement Plan (Ep.10)

The 2022 Retirement Plan (Ep.10)

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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
  • And more!

Resources:

Connect with Robert Curtiss:

 

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Refining The Client Experience (Ep.9)

Refining The Client Experience (Ep.9)

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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
  • And more!

Resources:

Connect with Robert Curtiss:

 

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The Creation Of A Business Process (Ep. 8)

The Creation Of A Business Process (Ep. 8)

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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
  • The impact of coaches 
  • And more

Resources:

Connect with Robert Curtiss:

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