Don't Retire...Graduate!

Auteur(s): Evergreen Podcasts
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  • Résumé

  • Don’t Retire… Graduate! is the podcast that invites you to rethink what retirement really means. Hosted by Certified Financial Planner Practitioner Eric Brotman, we’re here to guide you in transforming the traditional concept of retirement into an exciting and enriching graduation—a time to embark on new adventures, embrace lifelong passions, and define what success and happiness look like in this new chapter of life. Retirement isn’t just about stepping away from a career; it’s about stepping into a life filled with purpose, joy, and fulfillment. Whether you're on the brink of retirement or just starting to think about it, this podcast will help you discover what it takes to not just survive, but thrive in your post-career years. We’ll explore how to live a fun, productive, and meaningful life by setting new goals, pursuing passions that light you up, and building a legacy that truly reflects who you are. Each episode features in-depth conversations with a diverse range of guests—from award-winning authors and financial experts to influencers and everyday people with remarkable money stories. Together, we’ll uncover strategies for reaching financial independence, managing your wealth, and making informed decisions that support your dreams. You’ll learn practical tips on everything from saving money and paying down debt to raising financially literate children and growing your wealth at any age. From personal finance and investing to retirement readiness, taxes, and more, we’re here to provide the knowledge and tools you need to confidently step into this exciting new phase of life. Topics include everything from budgeting, credit, and debt to health savings accounts, insurance, social security, the FIRE movement, and the latest in fintech and finance apps. But we don’t stop at finances. Don’t Retire… Graduate! also dives deep into the emotional and psychological aspects of retirement. We’ll discuss how to maintain your mental and physical health, nurture relationships, and stay connected to your community. You’ll gain insights on how to design a lifestyle that keeps you engaged, curious, and excited about the future. Our mission is to help you figure out what you want to be when you grow up—even if you’re already grown. We believe that work should become optional, not just because you've reached a certain age, but because you’ve achieved the freedom to choose how you spend your time and energy. Whether it’s volunteering, starting a new hobby, traveling the world, or launching a second career, this podcast is your guide to creating a retirement that’s anything but retiring. In addition to full episodes, we offer bonus content every other week where you get to meet the team of financial advisors at BFG Financial Advisors and hear their real stories from the frontlines of financial planning. Retirement is not the absence of work, but the absence of needing to work. So why not graduate into a life of purpose, passion, and financial freedom? Tune in to Don’t Retire… Graduate! and let’s make your retirement the best years of your life.
    All Rights Reserved 2022-25
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Finances personnelles Économie
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Épisodes
  • Balancing Budgets While Becoming a Dad: Diary of a Financial Advisor

    Balancing Budgets While Becoming a Dad: Diary of a Financial Advisor
    Jan 30 2025
    Welcome back to Don't Retire... Graduate!: the podcast that invites you to rethink what retirement really means. In our Diary of a Financial Advisor segment, I, Eric Brotman, interview financial advisors about their professional journeys and their dedication to aiding others in their financial success. Today, we are lucky enough to be joined by BFG's own Cody Niedermeier before he begins his paternity leave. In this episode, Cody and I explore the various considerations involved in planning for a family from the perspective of a financial advisor. Cody opens up about his own journey, sharing that he and his wife are expecting their first child. We discuss the practical changes needed in the home and adjustments to the family budget, emphasizing the costly nature of raising children. Cody provides insights into how his professional life has equipped him to tackle personal financial planning for his growing family. We also touch on the importance of life insurance, estate planning, and the possible choices between public and private schooling. Cody reflects on how being a financial advisor has prepared him for fatherhood and anticipates how fatherhood will, in turn, deepen his connection with clients. 5 Key Takeaways: Early Conversations and Planning: Cody stresses the importance of early and honest discussions about family planning even during the dating phase. Knowing each other’s desires about having children can shape the future and pinpoint readiness for starting a family. Financial Preparation and Adjustments: Financial planning for a new baby involves reassessments of budgets, exploring the costs of daycare, making necessary home adjustments, and ramping up that emergency fund. Cody shares the humorous reality of exceeding budget plans with frequent trips to places like Target. Healthcare, Childcare, and Education: Conversations around adjusting work schedules, weighing daycare options, and considering the pros and cons of public versus private education are crucial. Cody highlights the life-changing expenses associated with raising a child and how to plan for them effectively. Importance of Life Insurance and Estate Planning: Essential aspects of family planning include ensuring there is adequate life insurance and that estate documents are in order. Cody notes how these steps, though centered around dire scenarios, are fundamental in securing the family's future. Balancing Professional and Personal Life: Cody articulates how being a financial advisor has uniquely equipped him to plan for his family and posits that becoming a parent will help him relate even more profoundly with his clients. He emphasizes the need for drawing upon available resources, supporting his wife, and maintaining a balance between professional and personal demands. Cody's journey is a testament to the power of early planning and the perpetual balancing act of professional and personal life. Don't forget to subscribe and share this episode with anyone who might benefit from Cody's valuable insights. Remember, if you have any topics or ideas you'd like us to discuss in a future episode of "Don't Retire... Graduate!", please reach out on social media. Stay tuned for our next episode, and until then, don't retire… graduate! Learn more about your ad choices. Visit megaphone.fm/adchoices
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    14 min
  • Saving on College: Mastering the College Financial Aid Game with Dr. Kuni Beasley

    Saving on College: Mastering the College Financial Aid Game with Dr. Kuni Beasley
    Jan 23 2025
    Welcome back to Don't Retire... Graduate!: the podcast that invites you to rethink what retirement really means. In today's episode, we're taking a look at college admissions and financial aid with our special guest, Dr. Kuni Beasley. With over 40 years of experience in helping students and their families navigate the complexities of getting into college and securing financial aid, Dr. Beasley brings a wealth of knowledge and practical advice that could save you thousands of dollars while helping your children achieve their academic dreams. In this episode, I sit down with Dr. Beasley to discuss his unique approach to navigating the often daunting landscape of college admissions and financial aid. We explore his strategies, which have helped countless families secure significant scholarships and grants, minimizing the out-of-pocket costs for higher education. Dr. Beasley shares insights into the different types of financial aid available, including merit-based, need-based, and entitlement aid, and explains the crucial steps families need to take as early as the 9th grade to maximize their opportunities. We also tackle the importance of standardized testing, building strong resumes, and understanding lesser-known ways to finance college education. Dr. Beasley emphasizes that no college is worth dipping into retirement funds and offers practical advice on maintaining financial health while supporting educational aspirations. 5 Key Takeaways: Types of Financial Aid (MONEY Acronym): Dr. Beasley introduces the acronym MONEY to describe the five types of financial aid: Merit-based, Opportunity-based, Need-based, Entitlement, and Your Own Money. Understanding each type is crucial to navigating college costs effectively. Early Planning is Essential: Starting from the 9th grade, families should begin planning and preparing for college applications and financial aid opportunities. Dr. Beasley stresses that delaying this process can result in missed financial opportunities, costing families dearly. Maximize Standardized Testing: Despite the rise of test-optional policies, standardized test scores like the SAT and ACT remain critical for scholarship opportunities and college admissions. Dr. Beasley recommends taking tests early and often to achieve the best possible scores. Build a Strong Resume: Students should engage in activities that enhance their resumes, such as earning the Presidential Volunteer Service Award and participating in programs like Boys State and Girls State. Such accolades can significantly impress admissions officers and improve scholarship chances. Financial Aid Strategies: Correctly filling out the FAFSA is critical, as mistakes can cost families tens of thousands of dollars. Dr. Beasley also highlights strategies like leveraging ROTC scholarships and understanding institutional aid policies to reduce reliance on personal funds. For those interested in diving deeper into Dr. Beasley's methods and potentially saving thousands on college costs, more information can be found at Beasley College Prep. Tune in next time for another inspiring episode of "Don't Retire... Graduate!" If you enjoyed our show, please subscribe, leave a rating on your favorite podcast platform, and share it with your friends and family so they can join you on your journey to financial freedom. Feel free to send us a topic or idea you'd like to discuss in a future episode by posting it on our Facebook page or tweeting us at @BrotmanPlanning. Until next time, don't retire... graduate! Learn more about your ad choices. Visit megaphone.fm/adchoices
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    31 min
  • From Immigrant Roots to Investment Committee Chair: Diary of a Financial Advisor

    From Immigrant Roots to Investment Committee Chair: Diary of a Financial Advisor
    Jan 16 2025
    Welcome back to another episode of "Don't Retire... Graduate!" I'm your host, Eric Brotman. Our podcast aims to guide you to a fulfilling and passionate retirement by asking you the important question: "What do you want to be when you grow up?" In our "Diary of a Financial Advisor" segment, we interview financial advisors about their unique journeys and their dedication to helping others succeed financially. Today, I'm thrilled to introduce Claudia Glover, a chair of our investment committee and a highly credentialed CFP, who will share her professional and personal journey with us. Claudia has a wide array of experiences in the financial industry. Originally inspired by her father, who immigrated with their family and taught her the values of discipline and saving, Claudia embarked on a path in finance that has led her to become a trusted advisor and the chair of our investment committee at BFG. In this episode, Claudia shares her inspiring journey into the world of finance, which began by watching her father's disciplined financial management. After graduating from college, Claudia knew she wanted to enter the finance field. Her career has been non-linear, starting as an associate, moving onto a fixed income trading desk, and eventually managing a growth and income SMA at Wells Fargo. Transitioning from the large corporate environment of Wells Fargo to the more intimate setting of BFG was a culture shock, but one she has embraced wholeheartedly. Claudia talks about her "why"—helping clients reach milestones—and how this drives her every day. We also discuss Claudia's accountability partnership within BFG and how it has benefitted both her and me. Finally, we explore the impact of financial wellness programs on both Claudia's career and the lives of the clients she serves. 5 Key Takeaways: Claudia’s Inspirational Journey: Claudia was moved to enter finance by observing her father’s disciplined financial habits. This demonstrates the significant impact parents can have on their children's financial literacy and career choices. Career Path & Experience: Claudia’s career has been diverse, ranging from assisting a team of advisors to managing a growth and income SMA. Her varied experiences have equipped her with the knowledge and skills to effectively support her clients. Transition from Large to Small Firms: Moving from Wells Fargo's massive organization to the more personal environment at BFG was a notable shift. However, it offered Claudia the opportunity to engage more deeply with her clients and understand their financial situations on a personal level. Importance of Accountability: The concept of having an accountability partner at BFG has been a significant factor in personal and professional growth for Claudia. Monthly meetings to discuss goals have helped her maintain focus and drive. Financial Wellness Programs: These programs allow financial advisors like Claudia to reach a broader audience, offering personalized financial advice and guidance. These programs can profoundly affect the financial health and understanding of participants. I hope you find this episode not only informative but also inspirational. Claudia's journey is a testament to how diverse experiences and a heartfelt commitment to helping others can lead to a fulfilling career in financial services. Join us next week for another engaging episode, and in two weeks, meet another advisor in our "Diary of a Financial Advisor" series. If you enjoyed our show, please subscribe and leave a rating on your favorite podcast platform. Share this episode with friends and family so they, too, can join the journey to financial freedom. Have a topic or idea you’d or idea you’d like us to explore? Post it on our Facebook page or tweet us at Brotman Planning. Until next time, remember: Don't retire, graduate! Learn more about your ad choices. Visit megaphone.fm/adchoices
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    11 min

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