Resilient Advisor Podcast

On this episode of The Resilient Advisor Podcast, Dr. Wade Pfau and Jay Coulter discuss managing sequence of returns risk in retirement planning. Last spring Dr. Pfau had an article published on Forbes.com titled "4 Approaches To Managing Sequence of Returns Risk In Retirement." It is a very popular post on the site. We examine each approach from the financial advisor's perspective. 1. Spend Conservatively -> Is the 4% number correct in this low interest rate environment? 2. Maintain Flexible Spending 3. Reduce Volatility (When it matters the most) -> Reducing Retirement Risk with a Rising Equity Glide Path with Michael Kitces in the Journal of Financial Planning (Link) 4. Buffer Assets -> Interview with Jamie Hopkins on Home Equity -> Bucket Strategies vs Buffer Assets We discuss Dr. Phau's involvement with inStream (http://instreamwealth.com)

Duncan MacPherson of Pareto Systems joins Jay Coulter for this episode of The Resilient Advisor Podcast. Duncan is one of the industries top thought leaders in the areas of practice management and business development. He is a well-known industry keynote speaker and the author of several books including his most recent titled 'The Advisors Playbook'. What We Discuss: Duncan's Framework For Building A Critical Path To Franchise Readiness: 1. Why: Demography and Commoditization 2. Who: Demographics, Proteges and The Remnant 3. How: The 6 Month Process For 'Re-framing.' Cracking The Code: 1. Wealth Management Process 2. Practice Management Process 3. Relationship Management Process The Advisor Fit Process: How to make sure an acquisition/merger target is the right fit for your business. The Rule of Three: Anything that you do 3 or more times that has 3 or more steps needs to be systematized. The Complete Family Office (CFO) Model: How to build a Relationship Mangement Branding Strategy. Duncan's popular LinkedIn post on becoming 'Franchise Ready': Link Connect With Duncan: Websites: www.paretosystems.com and www.duncanspeaks.com

Dr. Jack Singer joins Jay Coulter on The Resilient Advisor Podcast to discuss two issues that hold many financial advisors back: Stress & The Impostor Syndrome. We also dive into 'Learned Optimism' and how it impact financial advisors. Connect With Dr. Jack Facebook: @DrJackTheFunSpeaker Twitter: @drjacksinger Website: www.advisingtheadvisors.com Email: drjack@advisingtheadvisors.com About Dr. Jack Singer (From his website) I am a nationally-renowned psychologist, professional Keynote speaker, author, trainer, mentor and consultant to financial advisor organizations I enjoy utilizing cutting-edge research in the fields of Positive Psychology, Resiliency, and Neuroplasticity, combined with humor and audience engagement to deliver results-driven inspiration and techniques to ensure that all finance professionals and audience members leave your event energized, entertained, educated, and alive with new career possibilities.

The DiSC assessment is a powerful tool for both enhancing your sales skills and building your team. Nicole Jansen comes on the podcast to share her experience working with financial advisors on how to best leverage DiSC in their business. She is a Certified Human Behavior Specialist with over 27 years of industry experience. Nicole is also the host of The Leaders Of Transformation Podcast which has been downloaded in over 100 countries. Connect With Nicole LinkedIn: @nicolejansen Facebook: @DiscoverTheEdge Twitter: @DiscoverTheEdge Instagram: @nicolejanseninc Website: www.discovertheedge.com About Nicole There are few people who can captivate both a small group of 5 and inspire a large group of 3000 with a message that touches them all deeply. As a business owner and entrepreneur for over 25+ years Nicole Jansen has helped thousands of individuals and organizations earn millions of dollars while fulfilling their mission in life. Her deep passion for helping people discover their greatness and live life at the next level is what has made her one of the most in-demand speakers and coaches in her region. Her message is one of inspiration, focus, and relentless commitment to being the best you can be; that the road to success is paved with conscious awareness, inspired action, and serving others in a positive way. Nicole is passionate about empowering people with proven business development skills as well as the necessary personal development insights to master "the little voice in their head" and create the life they want. It is this combination of personal and business mastery that has earned Nicole the reputation of getting incredible results from her clients and audiences in such a short period of time. Very few understand how to blend these skills together to create the magic that she creates for others. She is a certified Human Behavior Specialist through Personality Insights, a certified Strategic Intervention Coach through Robbins-Madanes Training, and has been personally trained and mentored by some of the top business, sales and leadership experts in the world. She has coached and trained thousands of people to play to their strengths and do what they love, while achieving greater results in the areas of sales, team performance, profitability, career and business development, including clients who have: > Increased sales 150% in 4 weeks > Doubled revenue year over year > Increased profitability 2.5 times in 2 months > Increased team sales activity over 500% in one week …all within the context of fulfilling a greater mission, serving their market in a positive way, and building a more empowering work environment for their team. Nicole is an incredible teacher, trainer and coach because her first love is that of learning herself and then teaching those lessons to others. She continues to act as a volunteer coach, leadership advisor and trainer for various charitable organizations. Nicole enjoys meeting new people, traveling and expanding her vision, as well as surrounding herself with inspirational leaders who are using their strengths to positively impact people around the world. She is blessed with a loving family and friends, and spends her spare time enjoying their company, reading, jogging, or walking the beaches of sunny California while contemplating how to empower and inspire more people to live their purpose.

As a financial advisor, the student loan problem is a major issue when building financial plans. On this episode of The Resilient Advisor Podcast, Joseph Reinke, CFA of FitBUX shares his thoughts on solutions to this issue. Connect With Joseph Twitter: @Fitbuxofficial Facebook: @Fitbuxofficial Website: www.fitbux.com About Joseph Joseph Reinke is the CEO and founder of Fitbux, Inc. FitBUX is introducing innovative finance products and technology to the student lending industry. Joe has been in the finance industry for over a decade and is a CFA Charterholder. He has hosted numerous live chats about student loans with SPTs across the country, presented at the California Student Conclave, appeared on podcasts, and written numerous financial blogs. Tags: Jay Coulter, The Resilient Advisor, The Resilient Retirement

Professor Jamie Hopkins comes on The Resilient Advisor Podcast with Jay Coulter to discuss how sophisticated financial advisors are using home equity as a tool in retirement plans. Jamie has been feature on Consuelo Mack's PBS show WealthTrack (Link), Forbes (Link) and MarketWatch. Reverse mortgages are not what they used to be. This episode will be very informative for any financial advisor or financial planner who is stuck in the dogma that the industry has around these tools. You owe it to your clients to understand how these work and how they can help your clients have better outcomes in retirement. Connect With Jamie Website: hopkinsretirement.com Twitter: @retirementrisks About Jamie (From The American College Website) Jamie Patrick Hopkins, JD, MBA, LLM, CLU®, ChFC®, CFP®, RICP®, is Associate Professor of Taxation at The American College of Financial Services in the Retirement Income Program and is Co-director of the New York Life Center for Retirement Income. He also holds the Larry R. Pike Chair in Insurance and Investments at The College. Teaching courses in retirement, estate planning, and life insurance, he has educated thousands of financial services professionals and continues to move the needle for retirement income planning. Professor Hopkins is recognized as one of the leading retirement planning experts in the United States and, in 2015, was selected by InvestmentNews for its list of the top 40 financial services professionals under the age of 40. Professor Hopkins has also contributed numerous articles for periodicals including Villanova Law Review, Nebraska Law Review, and Hastings Science & Technology Law Journal, and has authored articles published by the American Bar Association and the Pennsylvania Bar Association. Professor Hopkins received his Bachelor of Arts degree in political science at Davidson College. He then attended Villanova University School of Law, where he obtained his JD and graduated with honors. He later received his MBA from the Villanova University School of Business. Professor Hopkins also holds an LLM from Temple University and two financial planning designations from The American College: the Chartered Life Underwriter® (CLU®) and Retirement Certified Professional® (RICP®).

Will Rhind, the CEO and Found of GranitesShares joins Jay Coulter on this episode of The Resilient Advisor Podcast to discuss portfolio construction with broad-based commodity ETFs and gold ETFs. What We Discuss: Does it make sense to use the ETF structure for commodity structure? The Bloomberg Commodity Index vs the GSCI Index. The implications of the recent energy drawdown. Mean Reversion implications for index investors. COMG vs COMB Gold ETF's as a part of a diversified portfolio. BAR ETF as a unique gold ETF. (It is not leased out by prospectus) Connect With Will: Website: Graniteshares.com About Will (From His Website) In 2016, Will Rhind challenged himself to find a way to do things differently. As a 16-year veteran of the ETF industry with experience working at, building and running, well-established successful ETF businesses, he made a keen observation: investing just isn't as exciting as it once was. Will asked himself is how do you bring back that excitement? As an experienced entrepreneur, he decided to answer that question by launching his own ETF company - GraniteShares was born. Will's focus on disrupting the financial industry has taken GraniteShares from an idea to a successful start-up garnering the attention of Bain Capital and other well-known ETF investors who support his passion to create products that will change the way people see investing. Will spends his time outside of GraniteShares with his wife and three children. He's on the Board of Directors of the Bath University Foundation, has a passion for classic cars, Manchester United, and travel – especially back to his roots in Aberdeen, Scotland, "The Granite City". Tags: Jay Coulter, Resilient Advisor, The Resilient Advisor, Portfolio Construction

On this podcast, Charlie Bilello from Pension Partners comes on to discuss some of their recent research on the equity markets, volatility and how to position gold in a portfolio. Tags: The Resilient Advisor, Resilient Advisor, Jay Coulter

This week Morgan Stanley is exiting the Recruiting Protocol. While the implications are not exactly clear at this time, Attorney Joel Beck discusses what we know at this time. Connect With Joel Phone: (678) 783-3692 Office Email: joel@thebeckfirm.com Website: http://thebeckfirm.com

On this episode I interview Dan Sondelm, CEO of Sondhelm Partners. He as 20 years of experience building brands in the financial services industry. How do you establish yourself as a 'Thought Leader?' 1. Define your message and be a part of the conversation 2. Produce Content: Blog, Podcast, YouTube 3. Repurpose Content (Social Media) Idea: Have you googled yourself? It's important! Why social media is important for financial advisors. 1. Your competition is there. 2. Your clients are there. 3. Serious prospects are there. Idea: Think of 'social media' as just an extension of digital media. The Donald Trump lesson: What happened to Dan after Donald Trump retweeted his tweet! Article: What Financial Advisors Can Learn From Donald Trump Dan's blog post on his viral article: Link Idea: Follow influencers across all social media platforms. Idea: Leverage technology Buffer Hootsuite What does it look like when an advisor hires a public relations firm? Connect With Dan Website: www.sondhelmpartners.com Twitter: @DanSondhelm LinkedIn: @DanSondhelm Facebook: @sondhelmparters Email: dan@sondhelmpartners.com About Dan (From his website) Dan Sondhelm is the CEO of Sondhelm Partners, a firm designed to help financial companies attract investors, strengthen distribution and build brands. Dan is a nationally recognized financial communications expert. For more than 20 years, Dan has helped financial clients grow by providing guidance and perspective. Dan frequently contributes to the financial news media and presents or moderates at industry conferences and webinars. Dan was also nominated by MutualFundWire in 2009 as one of the Most Influential People in Fund Distribution for his guidance and perspective in helping companies grow. Dan frequently contributes to the financial news media and presents or moderates at industry conferences and webinars. Prior to establishing Sondhelm Partners, Dan was a senior partner and senior vice president at SunStar Strategic for more than 20 years. In this role, he was instrumental in helping boutique and larger firms develop strong distribution and marketing programs. Dan earned an MBA from the Kogod College of Business Administration at American University in Washington, DC. He lives in Alexandria, VA with his wife Jenna, twin children Madeleine and Gabriel, and cat Remy.