Ditch The Suits - Your Money, Your Life podcast

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The Agile Brand with Greg Kihlström®

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#669: It's already time to start planning for the holiday shopping season with Carey Cockrum, Cella by Randstad Digital 28:52

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Retailers are facing a rapidly evolving landscape where consumer expectations, AI advancements, and social media platforms like TikTok are redefining engagement. It feels like the holiday shopping season just ended, but when do retailers start planning for the next one, and some retailers already behind the curve for this season? Joining us today is Carey Cockrum, Director of Consulting at Cella by Randstad Digital, where she helps major brands and marketing teams optimize their strategies with data-driven insights, AI-powered content creation, and cutting-edge retail marketing trends. With the holidays just around the corner, she’s here to share what’s next for retail marketing, campaign optimization, and how brands can stay ahead in a hyper-competitive space. ABOUT CAREY COCKRUM Carey has been a part of the Creative Agency space for nearly 30 years. She has served as Designer, Creative Director, Creative Operations Lead and Agency Lead in both internal and external agencies (big and small). Carey has worked directly with C-suite stakeholders to understand organizational strategies that inform effective creative solutions. She is a bit of a data nerd and loves demonstrating results. Brands she’s supported include Fruit of the Loom, Wendy’s and Humana. In her free time, she enjoys going back to her creative roots through painting and drawing. She also spends her time improving upon the house she lives in today in Southern, MI - inside and out. RESOURCES Catch the future of e-commerce at eTail Boston, August 11-14, 2025. Register now: https://bit.ly/etailboston and use code PARTNER20 for 20% off for retailers and brands Don't Miss MAICON 2025, October 14-16 in Cleveland - the event bringing together the brights minds and leading voices in AI. Use Code AGILE150 for $150 off registration. Go here to register: https://bit.ly/agile150 Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstrom Don't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.show Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company…

Ditch the Suits - Your Money, Your Life

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Join Travis Maus, Chief Executive Officer and Steve Campbell, Senior Marketing Director, on this award-winning podcast, as we share the professional knowledge and experience gained from building S.E.E.D. Planning Group LLC, a fee-only Wealth Management firm. Learn from people who make being a fiduciary their business, to get more from your money and life.

50 episoder

#Business #Money #Finance #Investing #Financial Planning #Retirement #Steve Campbell & Travis Maus #Steve Campbell #Travis Maus #Crypto #Inflation #Trading #Podcasting Education #Self-Improvement #After Life #Stock #Tax #News

Ditch the Suits - Your Money, Your Life

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Ditch the Suits - Your Money, Your Life

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An Inside Look at Financial Planning at S.E.E.D. Planning Group - EP. 166 29:31

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We're diving deep into the world of financial planning with our awesome guest, Jeff Chase! Jeff is Vice President of Financial Planning and a Senior Wealth Manager at S.E.E.D. Planning Group. This episode shines a spotlight on the critical importance of choosing not just a financial planner, but the right firm that supports them. We discuss how organizations can make or break your financial journey, focusing on the concept of "bench strength"—essentially, what happens when your go-to planner is unavailable or out of the office. Plus, we’ll explore the evolution of financial planning at S.E.E.D. and how we cater to a diverse range of clients, from those just starting to those with serious wealth. Takeaways: Understanding the difference between a financial planner and the actual 'real deal' planner is crucial for your financial health and peace of mind. The importance of bench strength in financial planning teams is highlighted, as not having a backup during your planner's vacation can lead to chaos. Choosing a financial planning firm is like finding a medical practice; you need a cohesive team that communicates well and puts your interests first. ______________________________________ About Jeff Chase Jeff is the Senior Vice President of Financial Planning at S.E.E.D. Planning Group, a fee-only financial firm committed to acting in its clients' best interests as a fiduciary. He joined S.E.E.D. in 2020 and is a key member of the firm's leadership team. He currently oversees and leads the financial planning team which consists of nine financial planners and wealth managers. ______________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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The Business of Financial Planning - EP. 165 33:23

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Today, we're diving deep into the nitty-gritty of what makes a financial planner the "real deal." Our special series guest, Jeff Chase, VP of Financial Planning and Senior Wealth Manager at S.E.E.D. Planning Group is back with us, and together we're about to drop some insights that’ll help you see through all the shiny sales pitches out there. We’re breaking down the art of financial planning and why it’s not just about throwing money at investments and calling it a day. Instead, it’s about crafting a tailored strategy that considers everything from taxes to healthcare, ensuring your financial future isn’t left to chance. If you’re tired of cookie-cutter advice and pushy sales professionals and want to understand how to get the most out of your money, stick around because this episode is packed with insights that could change your financial game! Takeaways: In financial planning, knowing your goals is key; without it, you're just guessing. A solid financial plan should dictate your investments, not the other way around, folks. Meeting with clients regularly is essential; it's not just about selling products, it's about relationships. Solo practitioners in finance face unique risks, so having a team can be a game changer for clients. Understanding risk is crucial; sometimes being conservative can protect you better than chasing high returns. Navigating the world of financial products requires a keen eye to avoid unnecessary fees and pitfalls. About Jeff Jeff is the Senior Vice President of Financial Planning at S.E.E.D. Planning Group , a fee-only financial firm committed to acting in its clients' best interests as a fiduciary. He joined S.E.E.D. in 2020 and is a key member of the firm's leadership team. He currently oversees and leads the financial planning team, which consists of nine financial planners and wealth managers. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Change is Needed in the Financial Industry - EP. 164 31:03

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Our special guest, Jeff Chase, Senior Vice President of Financial Planning at S.E.E.D. Planning Group, is back! In this episode, we're diving deep into financial planning and exposing financial advisors and professionals who might be more about sales than sound advice. We'll break down how to distinguish experienced, qualified financial planners from those who are just in it for the commission—because when it comes to your financial future, you deserve a true professional, not just a salesperson. We discuss how to find someone who’s not only got your back but also understands the game, helping you make sound decisions for your future. It's your money and life! Takeaways: Navigating the financial world can feel like a treasure hunt with no map; we need to be wise and cautious about who we trust with our cash. A good financial advisor isn't just selling you products; they should be helping you level up in life and finances, like your personal finance Yoda. Don't let financial jargon trip you up; understanding your own money situation is more important than ever in this complicated world. The key to financial planning is more than just numbers; it's about helping clients prioritize their goals and navigate life's financial rollercoaster with empathy. About Jeff Jeff is the Senior Vice President of Financial Planning at S.E.E.D. Planning Group , a fee-only financial firm committed to acting in its clients' best interests as a fiduciary. He joined S.E.E.D. in 2020 and is a key member of the firm's leadership team. He currently oversees and leads the financial planning team, which consists of nine financial planners and wealth managers. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Getting to Know Jeff Chase Sr VP, Financial Planning - EP. 163 25:23

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Navigating the world of financial advising can feel like wandering through a maze blindfolded. Not every financial advisor is created equal—some have the credentials and expertise, while others just have the title. So, how can you tell the difference? In this brand-new four-part series, we’re joined by Jeff Chase , Senior Vice President of Financial Planning at S.E.E.D. Planning Group . Together, we're pulling back the curtain on the financial advising industry and trying to help you better identify and spot the real deal when it comes to working with a financial professional. Together, we break down the various titles floating around and uncover what truly separates a knowledgeable, trustworthy advisor from those just playing the part. Tune in as we demystify the world of financial planning and help you make more informed decisions about your financial future! Takeaways: Understanding the difference between a so-called financial advisor and a truly qualified one is crucial for your financial future. The financial planning industry is filled with a plethora of misleading titles that often confuse clients about whom they can trust. Building a career in financial planning requires passion and dedication beyond just chasing the paycheck, which many professionals often overlook. Networking and learning from experienced colleagues can significantly accelerate your growth and understanding in the financial planning world. About Jeff Jeff is the Senior Vice President of Financial Planning at S.E.E.D. Planning Group, a fee-only financial firm committed to acting in its clients' best interests as a fiduciary. He joined S.E.E.D. in 2020 and is a key member of the firm's leadership team. He currently oversees and leads the financial planning team which consists of nine financial planners and wealth managers. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Are the Markets Rigged? - EP. 162 40:04

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Have you ever felt like the stock market is rigged against you? Well, you’re not alone in that sentiment, but we’re here to pull back the curtain and show you that it’s all about understanding the rules of the game. Throughout the episode, we argue that many investors are distracted by the flashy allure of 'instant wealth' while ignoring the real strategies that could lead to sustainable success. We illustrate how knowledge and strategy can turn the tables. The conversation weaves through the emotional rollercoaster of investing, debunking the idea that markets are inherently unfair. Instead, they emphasize the importance of discipline and a solid investment thesis. By the end of this episode, you’ll be equipped with insights that make you question every investment decision you’ve ever made, and maybe even inspire you to approach your portfolio like a chess game—strategically and with purpose! Takeaways: In this episode, we dive into the misconception that diversification always leads to better investment outcomes, highlighting that understanding the rules of investing is key. We explore how many people perceive the stock market as rigged, and how this perception often stems from a lack of knowledge about investment strategies and market dynamics. Understanding the importance of having an investment thesis can dramatically improve your investment outcomes, as it helps guide your decisions in a strategic manner. The discussion emphasizes the necessity of being disciplined and structured in investing, reinforcing that successful investors are those who play to win rather than play not to lose. ___________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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A Guide to Buying Investments - EP. 161 35:53

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Ever feel like the investment world is just one big emotional rollercoaster? Well, you’re not alone! We’re diving into the nitty-gritty of why the average investor is at a serious disadvantage and how to flip the script. We kick things off by addressing the emotional rollercoaster that is the stock market, likening it to an emotional teenager throwing tantrums over price fluctuations. It’s all about understanding that while the market might be throwing a fit, we don’t have to join the chaos. We dive deep into the common pitfalls that trap everyday investors, highlighting the lack of knowledge about their own investments and the emotional decision-making that often leads to financial disaster. Our conversation shifts to the practical side of investing, where we share Travis' top-ten actionable tips that folks can implement right away to regain control over their investment strategies. We’re talking about understanding what you own, looking past the price tag, and recognizing the real value of your investments Takeaways: Investing is more than just buying stocks; it's about owning a piece of a company that should generate future profits, and knowing how to evaluate that is key. Understanding your investment statements is crucial; they should tell you not just the price, but the value of what you own and the story behind it. Don't let price fluctuations dictate your investment decisions; focus on the underlying value and long-term potential of the companies you invest in. If you're not confident in a company's future, or the leadership behind it, it might be time to reconsider your investment strategy altogether. ____________________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Why Investing is Boring - EP. 160 35:10

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Would you like your investments to have more good days than bad days? Are you tired of logging in and seeing your investment account balances dropping? Why does the stock market feel like an emotional teenager throwing tantrums and making drama? Well, that's what we're diving into today! We’re breaking down how the ups and downs of your investments mirror the wild mood swings of adolescence—think mood swings but with dollar signs. Between the media's sensational headlines and our natural urge to know “why,” we often find ourselves spiraling into panic mode. We’re here to dish out some wisdom on how to remain calm and steadfast amidst the chaos and why, sometimes, sticking to the boring, steady path is the real way to win the investment game. Takeaways: The stock market behaves like an emotional teenager, having temper tantrums that leave investors questioning their choices. Investing isn't about quick gains; it's a long-term journey requiring discipline and patience, much like mastering a new skill. People often panic during market volatility due to the fear of losing money, missing the fact that markets naturally fluctuate over time. Understanding what you're invested in can help alleviate anxiety; many investors don't even know the details of their own portfolios. ___________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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What Is The Estate Attorney's Job - EP. 159 47:25

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This episode dives into why teaming up with a competent attorney is essential for your financial well-being, especially when it comes to estate planning. We’ve got our go-to legal expert, Kristen Luce, Partner at Coughlin and Gerhart LLP , back in studio to share how the right attorney can make all the difference in ensuring your assets are handled according to your wishes. We chat about the importance of communication, transparency, and doing your homework when choosing legal professionals—because let’s be honest, nobody wants to leave their loved ones tangled in a legal mess. Ask those tough questions and gauge how they respond. The right professionals will be eager to help you navigate your unique situation with ease, not just shove you into a one-size-fits-all plan. Plus, we tackle the misconception that estate planning is only for the elderly; hint: if you're 18 or have something you care about, it’s time to get your ducks in a row! Takeaways: Understanding the importance of vetting financial advisors and attorneys can significantly impact your financial future. Collaborative efforts between attorneys and financial advisors can lead to better outcomes for clients' estate planning needs. Don't skip out on estate planning; even young adults need to have their own legal documents in order. Beneficiaries can trump what’s in your will, so it's crucial to check your accounts regularly for accuracy. Choosing a fee-only financial planner can help eliminate conflicts of interest that might arise with commission-based advisors. Always communicate your wishes clearly; ambiguity in estate planning can lead to family disputes down the line. _______________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Finding a Good Estate Attorney - EP. 158 42:57

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Today, we're diving headfirst into the nitty-gritty of estate planning with our special guest, Kristen Luce, Partner at Coughlin and Gerhart , LLP, who knows this stuff like the back of her hand. Our episode kicks off with a casual banter that sets the tone for a relaxed yet informative discussion. Kristen shares her journey and passion for helping clients navigate the often murky waters of estate planning. Together we discuss how many people feel overwhelmed and hesitant to start their estate planning because, let’s face it, nobody wants to think about their mortality. But Kristen reassures us that it’s all about getting organized and taking proactive steps. We touch on the importance of having a good team in your corner—fee-only financial planners and attorneys who actually communicate and work together. Together, we unravel the mystery of why having a solid estate plan is essential, especially when life throws curveballs your way. We tackle the common misconceptions that make people hesitant to seek professional help and why you should throw your trust into the hands of someone who knows what they’re doing (spoiler alert: it’s not always the first Google result). Kristen explains how you should navigate the legal labyrinth of financial planning, ensuring you don’t end up in a pickle when it counts the most. Takeaways: Ditch the Suits podcast is all about sharing financial insights that the industry prefers to keep hush-hush, helping listeners navigate their money matters like seasoned pros. The transition to Patreon is a game-changer, making past episodes accessible and ensuring you never miss out on new content, so hop on board! Estate planning isn’t a one-size-fits-all process; it’s crucial to work with an attorney who gets your unique situation and crafts a plan that truly reflects your wishes. Clients often struggle to get organized for estate planning, but with a solid questionnaire and guidance, the process can be smoother and less daunting than you think! Understanding the legal side of financial planning is essential, especially during tough times, as it helps to ensure your family’s stability and peace of mind in the future. Communication is key in estate planning; a good attorney listens to what’s important to you and explains things in plain English, avoiding the dreaded legalese. ________________________________________ Ms. Luce joined Coughlin & Gerhart, LLP in 2007 and is a partner with the firm. She is chair of the firm’s Trusts & Estates Practice Group. Ms. Luce’s practice is concentrated in the areas of Estate Planning, Trust & Estate Administration, Guardianships, Adoptions, Litigated Estate Matters, and Real Estate. She practices in the firm’s main office, as well as the Owego branch office. She has been selected as a Rising Star among New York lawyers for Estate Planning from 2013 – 2018 by Upstate New York Super Lawyers magazine. In 2017 Ms. Luce was named in the 24th Edition of the Best Lawyers in America® in the practice area of Trust & Estates. Ms. Luce has been given this award every year since 2017 (for the Best Lawyers in America© for Trust & Estates). Ms. Luce is a current member of the Broome County and New York State Bar Associations . She is a member of the New York Bar Association’s Elder Law and Special Needs Section. Ms. Luce previously served on the Board of Directors to the local American Automobile Association (AAA) Club. She is a past Co-Chair of the Broome County Bar Association’s Young Lawyers Committee. She served on the Board of Directors for the Mothers and Babies Perinatal Network (April 2008 – February 2016) and is a former member of the Owego Rotary. In 2014 and again in 2018 Ms. Luce was appointed by the Town Board of the Town of Binghamton to an interim position of Acting Town Justice. _________________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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$17.5 Million for Potentially Misleading Statements about ESG Investing - EP. 157 31:58

for 9 weeks siden31:58

31:58

We’re diving deep into the world of trust (or lack thereof) in the financial services industry! This episode is all about how trust in your financial advisor should be more than just a warm fuzzy feeling; it needs to be backed by proactive planning and accountability. We'll break down two compelling cases: one involving a major investment firm hit with a $17.5 million civil penalty for allegedly making misleading statements about its ESG-focused investments, and another where an advisor orchestrated a Ponzi scheme to deceive clients. 📢 We Want Your Input! Take our quick two-question survey here and tell us what’s most important to YOU when choosing a financial advisor. Takeaways: Trust in financial advisors is crucial, but it must be verified through their actions and performance standards. Beware of investment firms that claim high returns with little risk; if it sounds too good to be true, it probably is. A Ponzi scheme can happen to anyone; always do your homework before entrusting your money to an advisor. Investing should align with your values, but ensure your advisor is genuinely representing those values. Don't follow the flashy marketing; focus on the fundamentals of investing for long-term success. We'd love your input. Take our quick survey at https://forms.office.com/r/837zquxdET Ponzi scheme source https://www.justice.gov/usao-ednc/pr/raleigh-investment-advisor-s-40-year-sentence-ponzi-scheme-and-obstruction-affirmed article referenced about Invesco at https://www.mofo.com/resources/insights/241220-top-5-sec-enforcement-developments-for-november-2024 Volkswagen article at https://www.bbc.com/news/business-34324772.amp _____________________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Top Quality in a Financial Advisor – Trust or Performance? - EP. 156 40:11

for 10 weeks siden40:11

40:11

In this special episode of Ditch the Suits , Travis and Steve break down the results of a recent survey that asked 1,000 investors working with financial advisors: What matters more—trust or performance? Should it be just one thing or a combination? Don’t you deserve to work with someone who you can both trust not to rip you off and expect performance from? Join us as we challenge the status quo and discuss why clients should raise their expectations. Key takeaways from the survey: 🔹 Why 72% of investors prioritize trust over performance 🔹 How proactive communication and a clear financial strategy build confidence 🔹 The top reasons clients leave their advisors—and how to avoid the same mistakes 📢 We Want Your Input! Take our quick two-question survey here and tell us what’s most important to YOU when choosing a financial advisor. 🎧 Tune in now and start getting the most from your money and life! ____________________________________________________ We'd love your input. Take our quick survey at https://forms.office.com/r/837zquxdET 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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What Are Your Estate Planning Options - EP. 155 35:29

for 11 weeks siden35:29

35:29

Jess Blake, Certified Trust and Fiduciary Advisor and Senior Wealth Manager at S.E.E.D. Planning Group returns for the last episode in this series to help clarify the common misconception that estate planning is only necessary for the wealthy or elderly. We engage in a lively debate, dispelling these myths and emphasizing that anyone over 18 with any form of asset should consider an estate plan. The discussion highlights the critical role of power of attorney documents and how vital they are, especially when the unthinkable happens. Jess recounts real-life situations where families were left to navigate the murky waters of financial chaos due to lack of preparation, making it clear that estate planning is not just for the affluent but for everyone who cares about their loved ones. Listeners are treated to practical advice on getting started with their estate planning journey, with enough banter and light-heartedness to keep the mood upbeat despite the seriousness of the topic. Takeaways: Estate planning isn't just for the wealthy; it's crucial for everyone, even those young and single! Delaying estate planning can lead to costly and complicated situations for your loved ones later on. Having a solid power of attorney in place is essential for managing your affairs if you become incapacitated. It's not just about having documents; you need to regularly check and update them to reflect your current wishes and needs. _______________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Estate Planning: Legal Disasters vs Practical Advice - EP. 154 31:32

for 12 weeks siden31:32

31:32

Estate planning is one of those things that we often put off until it’s too late. This episode of Ditch the Suits is here to change that mindset! We’ve got Jess Blake, Certified Trust and Fiduciary Advisor and Senior Wealth Manager at S.E.E.D. Planning Group back with us, and she’s about to drop some bombs about how to avoid those critical estate planning blunders that could haunt your family long after you’ve gone. We kick off with a light-hearted chat about the misconceptions surrounding estate planning—many folks think it’s just about writing a will. But Jess sets the record straight, explaining that it’s a comprehensive process that involves organizing your finances, minimizing taxes, and ensuring your wishes are properly communicated. Throughout the episode, we explore the many facets of estate planning, from appointing guardians to managing your assets for tax efficiency. Jess shares fascinating stories about clients who thought they were set with a basic will but had no idea about the complex world of trusts and beneficiary designations. It’s like thinking you can bake a cake with just flour and water—there’s a whole lot more that goes into it! We also discuss the critical role of financial planners in this process, highlighting that we’re not just here to sell you products; we’re here to guide you through a thoughtful and strategic planning process that aligns with your values and goals. As we wrap, Jess emphasizes the importance of regular reviews and updates to your estate plan. Life is constantly changing—new grandkids, changing relationships, evolving charitable intents—and your estate plan should reflect those changes. We discuss the importance of having open communication between financial planners and attorneys to ensure that your estate planning documents are both legally sound and practically effective. So, if you’ve been putting off your estate planning, this episode is a must-listen. Tune in and learn how to take control of your legacy and set your family up for success—because let’s be real, nobody wants to leave a mess behind when they’re gone! Takeaways: Estate planning is about much more than just a will; it involves organizing assets, minimizing taxes, and ensuring your wishes are respected after you're gone. Many people mistakenly believe that having a simple will is all they need for estate planning, but there’s way more to consider, like trusts and tax implications. The role of a financial planner in estate planning is crucial; they help clients navigate the complexities and work alongside attorneys to ensure a solid plan. Understanding the differences between various types of trusts and estate planning documents is key to avoiding critical mistakes that could affect your heirs. It's common for clients to assume their estate plan is bulletproof; however, many are shocked to discover gaps or outdated information in their plans. Regularly reviewing your estate plan is essential, especially after major life events; don't let your plan collect dust or become irrelevant! __________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Unleashing Clients - EP. 153 28:17

for 13 weeks siden28:17

28:17

In this episode, we dive into estate planning with Jessica Blake, a Senior Wealth Manager and Certified Trust and Fiduciary Advisor (CTFA) at S.E.E.D. Planning Group. Jessica shares real-life insights from working with clients every day, shedding light on the critical mistakes people make that can jeopardize their financial legacy. We explore why estate planning is often overlooked, how proper planning can prevent financial disaster, and why working with the right advisor makes all the difference. Jessica and the team discuss how financial planning goes beyond numbers—it’s about creating a life that aligns with your goals and values. Whether you're saving for retirement, planning for your heirs, or just trying to make sense of your financial future, this episode is packed with valuable takeaways to help you avoid costly missteps. Tune in to learn how to take control of your estate plan before it’s too late! Takeaways: Estate planning mistakes can totally wreck the legacy you worked hard to build, so don’t wing it! Understanding the importance of tax planning is crucial; it's more than just numbers, folks! Your financial planner should be a matchmaker, pairing you with the right expertise and personality; it’s a vibe! Financial freedom is about knowing how to use your savings—don't just hoard them, spend thoughtfully! Engaging in ongoing financial planning means adapting to life changes, not just checking off a transactional box. Creative solutions in financial planning can unlock opportunities you never knew existed—think outside the box! 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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The Unleashed Fiduciary - EP. 152 33:18

for 14 weeks siden33:18

33:18

This episode of the Ditch the Suits focuses on the critical importance of estate planning and the common mistakes people make in this area. Travis and Steve welcome Jessica Blake, a Senior Wealth Manager and Certified Trust & Fiduciary Advisor (CTFA) from S.E.E.D. Planning Group, with extensive experience in estate planning, to share her insights. They discuss what constitutes an adequate estate plan and debunk the misconception that it's merely about having a will or life insurance. Jessica emphasizes the value of understanding the intricacies of estate planning, including tax implications and the potential for family conflict when things go awry. She also discusses the significance of the CTFA credential, the role of fiduciaries, and the transition from estate planning to comprehensive financial planning. You will appreciate Jessica's engaging anecdotes and the collaborative culture at S.E.E.D. Planning Group, which allows for a more holistic approach to financial and estate planning. Takeaways: Estate planning encompasses much more than just creating a will or purchasing life insurance; it's a comprehensive process. Having an adequate estate plan is crucial to avoid common mistakes and conflicts among heirs. An effective estate planner must understand various aspects, including tax implications and investment strategies. The CTFA designation indicates a deep understanding of trusts, fiduciary responsibilities, and estate planning complexities. Jessica emphasizes the importance of teamwork and mentorship in providing effective financial planning services. Being a fiduciary allows planners to prioritize clients' best interests without corporate constraints. ________________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Financial Advice, Rip Off Alert - EP. 151 37:24

for 15 weeks siden37:24

37:24

Understanding your personal finances means treating them like a business, and that's exactly what this episode of Ditch the Suits emphasizes. Travis and Steve dive into the importance of recognizing yourself as the boss of your financial situation, encouraging listeners to engage with financial advisors as if they were hiring employees. They discuss the pitfalls of over-reliance on financial professionals who may not have your best interests at heart, and how to spot red flags in the financial services industry. Throughout the conversation, they highlight the necessity of being proactive and informed, ensuring that you delegate effectively while maintaining oversight of your financial decisions. This episode aims to empower listeners to take control of their money business and make informed choices for their financial future. Takeaways: Understanding your finances as a money business can empower you to make better financial decisions. When hiring a financial advisor, ensure they communicate in terms you understand clearly. Don't let intimidation from financial jargon prevent you from being an informed client. It's essential to treat your personal finances with the same diligence as running a business. Being proactive about your financial planning can save you from costly mistakes down the road. Look for financial planners who prioritize your best interests over their commission-based sales.…

Ditch the Suits - Your Money, Your Life

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Real People, Real Financial Advice - EP. 150 27:20

for 16 weeks siden27:20

27:20

In our last episode, we did a status check on the state of the financial advice industry. We discussed that the term financial advisor is meaningless and how you can get more information on any potential financial advisor or firm you may consider working with. This episode is an open conversation about some of our experiences helping people find real value via financial planning. This episode of Ditch the Suits dives deep into the true value of financial planning and the importance of working with a fiduciary financial planner. We share experiences from our combined 25+ years working in the financial services industry, emphasizing how the term "financial advisor" can often be misleading. We argue that many individuals are unaware of the real benefits of fee-only financial planning and how it can lead to better financial decisions and outcomes. Through personal stories and insights, we illustrate the transformative impact that thoughtful financial guidance can have on people's lives, especially during pivotal moments. Listeners are encouraged to rethink their approach to financial advice and consider how transparent, client-focused planning can empower them to achieve their goals. Takeaways: The term 'financial advisor' is often misused, making it crucial to understand what a financial planner truly offers. Fee-only financial advisors are recommended for their transparency and commitment to client interests without conflicts of interest. Understanding your financial needs is essential; not everyone knows what they need without guidance. Financial planning should focus on a client's unique situation rather than a one-size-fits-all approach. Advisors should empower clients to make informed decisions and alleviate fears surrounding financial choices. Building a trusting relationship is vital; clients should feel comfortable exploring options without pressure. ____________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Should You Do Business with a Financial Advisor 45:11

for 17 weeks siden45:11

45:11

Have you ever thought “should I work with a financial advisor” or if you already do, “do I need a second opinion?” Or maybe, “aren’t all financial advisors the same?” In this episode you’ll get the answer to these questions and more as we dig into the state of the financial advisor industry. Should you hire a financial advisor? This question lies at the heart of the latest discussion on the Ditch the Suits podcast, where hosts Travis and Steve peel back the layers of the financial services industry. They explore the different types of financial professionals, clarifying the distinctions between advisors and planners and emphasizing the importance of understanding the motivations behind the advice you receive. They tackle common misconceptions that lead consumers to make uninformed decisions, highlighting the critical need for transparency and fiduciary duty in financial planning. As they share their experiences, listeners are equipped with the knowledge to discern what genuine financial guidance looks like, ensuring they find a professional who truly has their best interests at heart. Takeaways: The financial industry is complex, and not all financial advisors provide the same services. Understanding the differences between financial advisors, investment managers, and insurance agents is crucial. Consumers should be aware that many financial advisors primarily focus on product sales rather than holistic planning. A fee-only financial planner is often a better choice for comprehensive financial guidance. Many people are unaware of the actual fiduciary obligations of their financial advisors. Transparency in financial planning is vital; always ask questions and get everything in writing. __________________________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Holiday Message from Travis and Steve 17:48

for 18 weeks siden17:48

17:48

The holiday season brings a unique blend of reflection and anticipation for us on the Ditch the Suits podcast. In this episode, we take a moment to appreciate our journey over the past year, celebrating a remarkable 34% growth in listenership. We’re excited to share updates to our content strategy, including guest interviews and deeper dives into key topics, to offer varied insights from active professionals in financial planning. A central theme of this discussion is the significance of personal connections during this busy time. We explore how financial planning should never come at the expense of meaningful relationships. Steve shares a moving story about the fleeting nature of time with loved ones, urging all of us to reflect on the importance of cherishing those moments. We encourage prioritizing relationships over material wealth, emphasizing that true fulfillment lies in connections with family and friends. As we look ahead to 2025, we aim to inspire listeners to pursue gradual improvements without perfectionism. Growth, we believe, is about small, meaningful changes over time. By fostering a supportive community where we can all share experiences, we hope to empower each other to take charge of our financial futures while enjoying the journey alongside loved ones. __________________________________ 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Ditch the Suits Podcast - A Year In Review 38:19

for 19 weeks siden38:19

38:19

Join us as we dive into a comprehensive recap of the past year's highlights from our Ditch the Suits podcast. This episode reflects on the critical financial insights we've shared, focusing on the importance of understanding your money in the context of life and personal fulfillment. From navigating estate planning to tackling the complexities of bonds, we explore how our discussions have aimed to empower listeners with practical knowledge for their financial journeys. We also address the impact of current events, such as corporate profits and election cycles, on personal finance, emphasizing the need for informed decision-making. As we wrap up the year, we encourage you to revisit episodes that resonate with you, ensuring you’re equipped to make the most of your financial future in 2025. Takeaways: We discuss the importance of aligning your financial planning with your life goals. Understanding estate planning is crucial, as many people are unaware of their current status. Debt can be a tool for wealth creation if used wisely and not abused. Navigating the complexities of corporate profits can help you make better investment decisions. It's essential to understand the tax code, as it can significantly impact your financial strategy. We emphasize the value of communication about financial matters within families. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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You Are Worth It. Don’t Disinherit Yourself When You Lose Your Significant Other. 33:36

for 20 weeks siden33:36

33:36

This episode of the Ditch the Suits Podcast dives deep into the emotional and financial complexities that arise after losing a loved one.. Co-hosts Travis Maus and Steve Campbell emphasize the importance of taking time to grieve and not rushing into decisions, advocating for a thoughtful gap analysis to assess financial needs and future goals. They explore the potential emotional burdens tied to property ownership and the responsibility that comes with selling, particularly the concern for future buyers. The conversation highlights the necessity of understanding the intention behind financial decisions made by the deceased, ensuring that those left behind honor their legacy rather than feeling obligated to make irrational choices. With practical insights and heartfelt advice, this episode provides guidance to anyone navigating the difficult terrain of grief and financial planning. Takeaways: Navigating the loss of a loved one involves financial and emotional complexities that require careful consideration. It's crucial to allow yourself time to grieve without making hasty financial decisions. Owner financing can provide flexibility when selling property, but it carries its own risks. Understanding the true value of your assets helps avoid emotional decision-making during grief. Always assess your financial position before selling a property to avoid future hardships. Building a financial projection helps clarify your goals and the reality of your situation. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

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Rebuilding Life After Death 40:10

for 21 weeks siden40:10

40:10

This episode of the Ditch the Suits Podcast explores the profound challenges of rebuilding life after the loss of a loved one. It focuses on both the emotional and practical decisions that arise in the wake of such a life-altering event. A show follower asked Travis and Steve about their experience managing a family farm after losing a partner while also navigating the responsibility of caring for a mother who wants to remain nearby. Recognizing that many people may face similar struggles, Travis committed to dedicating two full episodes to help others navigate life after loss. Travis underscores the importance of open and honest conversations—with oneself and loved ones—as a key part of coping with grief and making decisions. He advises listeners to allow themselves six to twelve months to grieve before considering any major life changes. Through personal stories and professional insights, Travis and Steve highlight the importance of understanding one’s own emotions and desires while being mindful of the needs and feelings of those left behind. Show Takeaways Grieving is a personal process that can take six to twelve months and should not be rushed. It's crucial to have open conversations about death and legacy while loved ones are still present. Avoid making financial decisions immediately after a loss; give yourself time to think. Engaging in difficult conversations with family members can prevent misunderstandings and guilt later on. Consider the emotional significance and practicality of maintaining shared properties after a loss. Focus on the legacy you want to create rather than simply the loss you feel. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

1
Tax Deductions – How to Get More! 38:44

for 22 weeks siden38:44

38:44

This episode of Ditch the Suits Podcast delves into the intricate world of financial planning, particularly as the year draws to a close. Hosts Steve Campbell and Travis Maus discuss practical actions that individuals can take before the end of the year, emphasizing the importance of understanding capital gains and the potential benefits of tax loss harvesting. The discussion highlights the distinction between short-term and long-term capital gains and the associated tax implications, guiding listeners to make informed decisions about their investments. Moreover, they introduce charitable giving strategies, such as Qualified Charitable Distributions (QCDs) and Donor Advised Funds (DAFs), which can empower listeners to support their favorite causes while optimizing their tax situations. As the conversation unfolds, Travis and Steve challenge common misconceptions about capital gains and tax strategies. They encourage listeners to reflect on their financial decisions and consider how different approaches can impact their tax brackets and overall wealth. The dialogue transitions into a discussion about gifting to children, addressing the nuances of instilling financial responsibility and planning for future generations. Steve and Travis underscore the significance of understanding one’s financial landscape and utilizing strategic gifting to enhance not just individual wealth but also family legacy. This episode stands out as a comprehensive guide for anyone looking to navigate the complexities of year-end financial planning, leaving listeners with actionable insights to improve their financial well-being.…

Ditch the Suits - Your Money, Your Life

1
Effective Budgets and Income Sourcing Plans 39:41

for 24 weeks siden39:41

39:41

This episode focuses on practical financial strategies for preparing for the end of the year and setting yourself up for success in the coming year. Travis and Steve discuss the importance of revisiting your budget, emphasizing that it should be a flexible tool rather than a rigid constraint. They introduce the concept of an income-sourcing plan for those approaching retirement, highlighting how to draw from various accounts to optimize tax efficiency effectively. Additionally, they reveal the hidden benefit of receiving extra paychecks throughout the year, which can be leveraged for debt reduction or savings. The conversation is packed with actionable insights aimed at helping listeners take control of their financial futures, making it a valuable resource for anyone looking to improve their financial well-being. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

1
Hidden Costs of a High Salary 25:29

for 25 weeks siden25:29

25:29

In this episode of Ditch the Suits, Steve Campbell and Travis Maus discuss the hidden costs of a high salary. They emphasize that financial freedom is more than just money and that stress and anxiety can lead to an unfulfilled life. The conversation explores whether a high salary equates to job satisfaction and personal happiness, the importance of considering the benefits package, and the possibility of making more money by earning less salary. They also discuss the impact of geography on salary and the need to reframe the conversation around salary and future prospects. __________________________________________________________ Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia ______________________________________________________________ About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Steve Campbell has over a decade of experience in the industry and serves as Chief Brand Officer at S.E.E.D. Planning Group.…

Ditch the Suits - Your Money, Your Life

1
Major Mistake When Selling a House or Business 29:09

for 26 weeks siden29:09

29:09

In this episode of Ditch the Suits, Steve Campbell and Travis Maus discuss the mistakes people make when selling a house or a business. They highlight the concept of anchoring bias, where individuals become fixated on a specific number and are unwilling to consider other options. They provide examples of how this bias can lead to financial losses and missed opportunities. The conversation covers the importance of considering the broader context, such as taxes, terms of the deal, and opportunity costs. Together, they emphasize the need for a comprehensive understanding of the numbers and the value they represent. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally. Chapters 00:00 - Introduction: Mistakes in Selling Homes and Businesses 01:30 - Anchoring Bias and the Struggle with Fixed Numbers 04:15 - The Cost of Inflexibility: Spending More to Get Less 05:49 - The Value of Money: Considering the Broader Context 09:21 - The Difficulty of Valuing and Selling Businesses 14:32 - Understanding the Meaning of the Numbers 19:48 - Lack of Understanding and Unintended Consequences 20:18 - The Opportunity Cost of Holding Out for a Higher Price 23:25 - Overcoming Anchoring Bias and Making Better Decisions 27:06 - Understanding the Value Beyond the Numbers…

Ditch the Suits - Your Money, Your Life

1
2024 Proposed Tax Policy Grab Bag (Part 2) 47:10

for 27 weeks siden47:10

47:10

Part 2 of the Proposed Tax Policy Grab Bag delves into the potential repercussions of proposed tax legislation that could significantly impact wealth creation and financial mobility, particularly for middle-class individuals and small business owners. We discuss how changes to capital gains taxes, eliminating the step-up basis at death, and increased taxes on stock buybacks could lead to double taxation and hinder economic growth. We emphasize the importance of understanding these complex tax policies, as they may affect not only those in high-income brackets but also everyday Americans striving for financial stability. Our conversation highlights the need for vigilance and proactive financial planning in light of these legislative changes, which could have long-lasting effects on future generations. By unpacking these intricate issues, we hope to empower you to navigate the evolving financial landscape and make informed decisions about your money. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

1
2024 Proposed Tax Policy Grab Bag (Part 1) 35:36

for 28 weeks siden35:36

35:36

This episode delves into the potential impact of proposed tax policy changes that could significantly affect Americans, particularly those making over $400,000, and the broader implications for everyday citizens. We discuss how these tax changes, including increases on capital gains and the introduction of new taxes, may not only target high earners but could also trickle down to the average person in various ways. We emphasize the importance of understanding that tax policies can influence the economy as a whole, affecting prices and investment opportunities. We also highlight the misconception that only the wealthy will bear the burden of these tax increases, illustrating how small business owners and individuals experiencing wealth creation events could also face substantial tax liabilities. We encourage you to stay informed about these changes and consider how they might impact your financial future and the economy at large. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

1
The Financial Doomsday of an Unrealized Capital Gains Tax 35:47

for 29 weeks siden35:47

35:47

This episode into the controversial proposal of taxing unrealized capital gains, a measure that could have far-reaching consequences for individuals and the economy at large. Hosts Steve Campbell and Travis Maus break down the implications of such a tax, emphasizing that it not only targets the ultra-wealthy but could also negatively impact everyday Americans. They discuss how taxing assets that have not been sold creates a precarious situation where individuals might be forced to liquidate holdings to pay taxes on hypothetical gains, potentially destabilizing markets and affecting job security. The conversation highlights the ripple effects of such policies, illustrating how they could lead to diminished investment returns and economic uncertainty for all. By examining real-world scenarios and economic principles, the hosts aim to equip listeners with a clearer understanding of the risks associated with these proposed tax changes. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

Ditch the Suits - Your Money, Your Life

1
The Nightmare of Taxing Unrealized Capital Gains 30:59

for 30 weeks siden30:59

30:59

We continue our series by taking a critical look at the proposed taxation of unrealized capital gains, a topic that has stirred considerable debate among financial experts and policymakers. We initiate the conversation by defining unrealized gains—the increase in value of an asset that has not yet been sold—and how the proposed tax would apply primarily to individuals with substantial wealth, specifically those with assets exceeding $100 million. We argue that while the tax might seem targeted at the ultra-wealthy, its implications could have far-reaching effects on the economy and individuals across various financial brackets. We then pivot and delve into the potential consequences of such a tax, discussing how taxing unrealized gains could force individuals to sell investments to pay tax liabilities, thereby disrupting markets and causing volatility. We explore the fundamental unfairness of taxing income that has not yet been realized, questioning how this could affect personal financial decisions and overall financial planning. Additionally, we address the ethical considerations surrounding the enforcement of an unrealized gains tax, particularly the challenges of valuing non-liquid assets and the potential for disputes over asset valuations. We warn of the bureaucratic complexities that would arise from implementing such a tax, including the burden on taxpayers to provide accurate appraisals and the risk of unfair penalties from the IRS. As we conclude the episode, we emphasize the importance of staying informed and engaged with financial policy discussions, urging all of you to consider how these issues could affect your own financial futures and to prepare accordingly. 🅿️ For more DTS content check out our Patreon Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia 📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com 👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life. Steve Campbell has over a decade of industry experience and is a Senior Marketing Director at S.E.E.D. Planning Group. Steve also hosts the One Big Thing Podcast, an interview-style show meant to inspire and encourage 30 and 40-year-olds going through difficult seasons of navigating marriage, raising kids, and growing personally.…

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