Host, Jeff Bernier, has been providing personalized financial advice to individuals and families since 1986. Jeff is passionate about sharing his knowledge and insights with others. Listen monthly to The Money & Meaning Show to hear Jeff’s take on a variety of financial topics and gain wisdom from special guests.
Season 4 / Episode 6
3 Top Questions from Investors Answered
Is it time to panic about inflation? In this low yield, rising rate environment, should I even own bonds? As a long-term investor, should I invest in cryptocurrency?
As we enter the halfway point of 2021, TandemGrowth recognizes three themes in recent investor questions: inflation, interest rates, and crypto. Join Jeff as he welcomes special guest Jake DeKinder, CFA, Head of Client Communication with Dimensional Fund Advisors. Jake touches on how they address these topics with their investors as well as how you can think about these topics as they relate to your portfolio.
Season 4 / Episode 5
What You Need to Know About Recent Tax Changes and How Tax Planning Can Impact Your Financial Plan
Join Jeff as he welcomes special guest Kevin Korhorn, CFP®, ChFC, AIF®, owner of Korhorn Financial Group, Inc., to explain some of the recent changes related to the tax code. Kevin and Jeff will share specific techniques and strategies they suggest as financial planners to their clients. Kevin argues that now more than ever working with a holistic financial planner is crucial as it relates to understanding your personal financial circumstances, developing techniques and strategies around tax planning, and helping execute them alongside your tax professional.
How can you qualify for the premium tax credit to cover health insurance premiums between the ages of 60 and 65? Can you make after-tax contributions to a 401k? What is a qualified charitable distribution and could it save you taxes on an otherwise taxable distribution from your IRA?
Listen in to find out how recent tax code changes could impact your financial plan!
Season 4 / Episode 4
A Hero's Journey: Do you have what it takes to RETIRE?
How do I retire? When can I retire? What do I want to do in retirement? Could lower expected returns or a potential bear market impact my ability to retire? Could I outlive my money?
If these are questions you've recently been asking yourself, you may just be our "hero". In this month's episode, Jeff takes us on a journey of a hero, a mid- to late-career executive, using the universal elements of storytelling from Joseph Campbell and Donald Miller.
Will our hero find a guide to develop a plan for his or her problem? Listen in to find out!
Season 4 / Episode 3
How to Create Meaning in Retirement
Like the Tin Man in the Wizard of Oz, have you lost your heart? Are you struggling to find meaning in your career or retirement?
Listen in as Jeff welcomes special guest Mark Danzey with Wisepath Mediation and Coaching. They discuss how declared values and defined goals help create accountability leading to meaning and purpose in life. These answers are within us but often times take a trusted person, coach, or advisor asking the right questions and help discovering, "what's possible?".
Learn how you can start right now to create clarity around your passion and purpose so you don't suffer from a lack of direction and missed opportunities!
Season 4 / Episode 2
Ever wonder what is discussed in Investment Committee meetings?
A behind the scenes glimpse of investment planning topics you might hear covered while listening in to an Investment Committee meeting. Join Jeff as he welcomes special guest David Hulstrom, MBA, CFP®, CFA, ChFC®, CAIA, CPWA®, CIMA®, co-founder and chief investment officer of Financial Architects. David is a thought leader in the wealth management industry and serves as a consultant to many firms' investment committees.
Included in the discussion are topics such as expected returns, risk tolerance, diversification, equity risk premium, forecasting, factors, frame of reference risk, what to keep in mind when constructing a retirement income portfolio, and why you should "save like a pessimist and invest like an optimist" as Morgan Housel says.
Season 4 / Episode 1
Have you found yourself overwhelmed with the idea of GOALS?
Is it easy for you to get so focused on the future that you fail to live in the present? Listen in as Jeff discusses a topic often on people's minds in the month of January - goal setting. He provides some tips from experience as well as knowledge he has gained from experts on the subject of goals.
Have you defined and committed to your 20 Mile March? Do you have a daily success ritual? In addition, Jeff explains what it means that TandemGrowth provides goal focused, planning driven wealth management and the importance of that distinction.
Season 3 / Episode 12
Which common myths surrounding Medicaid are untrue
Have you found yourself confused with the complexity and ever-changing state and federal regulations related to planning around Medicaid, eldercare, long-term care, or Veteran's Aid & Attendance?
Join Jeff and Mike as they welcome elder law attorney, Dan Munster, who has been practicing law in Georgia for 27 years. Dan tries to simplify the eligibility rules surrounding these complex issues and debunk some of the myths about Medicaid.
Season 3 / Episode 11
What Does a Mortgage Loan Officer Think About Debt and if Now is a Good Time to Refinance
With rates at historic lows, many are wondering if they should consider refinancing or buying a home. Join Jeff and Mike as they welcome Ed Wheeler, a seasoned mortgage loan officer, to discuss the history of the mortgage industry, how to compare rates, costs, and terms, and if now is a good time to refinance.
If you're interested in reading more about this topic, consider revisiting Jeff's July blog post Don't Waste the Crisis: Should You Refinance Your Mortgage?
Season 3 / Episode 10:
Why Politics and Investing Don't Mix
"If you mix politics and investing you're making a big mistake." -Warren Buffett
There's a lot of NOISE around the election this year. With all that's going on this year, Jeff still remains a rational optimist. Listen in to hear why as Jeff and Mike discuss the election and the markets while addressing frequently asked questions from clients.
Season 3 / Episode 9:
Why Risk Management should be a part of a Holistic Wealth Management Plan--with special guest Tyler Smith, a specialist in income protection
A Risk Management Plan can free you to enjoy your journey by feeling confident that you protected your income, assets and loved ones from possible future risks. We insure against things that can go wrong so that we have the luxury to invest for things that we hope "go right”. Depending on your age and career status, your future income may be your largest asset which should be protected. Join Jeff and Mike as they discuss income protection planning with Tyler Smith, a specialist in designing insurance solutions for disability income protection.
Season 3 / Episode 8:
Everything I Learned About Investing I Learned in Court
What can we learn from investors who have had bad experiences working with an advisor? Jeff and Mike are joined by Robert C. Port, an Atlanta litigation attorney, who will share what he has learned while representing clients in matters related to investment advice. They discuss an unlikely collaboration, the benefits of a fiduciary relationship, and an investment philosophy that evolved from experiences in court.
Season 3 / Episode 7:
Investment Update for Midyear 2020
Is it different this time? Unprecedented, historical, tumultuous, and chaotic are all words that could describe what’s happened to the stock market and investment universe in 2020. And we’re only halfway through the year! Jeff and Mike discuss what is shaping the investment landscape today and whether today’s unusual situation actually does make this stock market different than before.
Season 3 / Episode 6:
Navigating the complexities of Medicare—with special guest Melinda Caughill
If you or someone you care about is turning 65, listen in! Even with closures due to COVID, deadlines still exist for Medicare enrollment. Join Jeff as he welcomes special guest, Melinda Caughill, to answer many questions related to the ins and outs of Medicare and what has and has not changed in the Medicare landscape. Melinda is a Medicare expert and co-founder of 65 Incorporated and i65 Medicare guidance software.
Season 3 / Episode 5:
How to Reclaim Your Time and Live a Happier Life
Do you have time poverty? If so, you're not alone. Our society and our minds conspire against us when it comes to time and happiness. On today's episode of Money & Meaning, join Jeff as he welcomes Dr. Ashley Whillans, associate professor at Harvard University, to discuss her book Time Smart: How to Reclaim Your Time and Live a Happier Life.
Season 3 / Episode 4:
Take the opportunity to carve out time for Deep Work
This podcast was recorded back in late February before the Coronavirus upset our world. While some of our comments about an April tax filing deadline are certainly no longer relevant, the value of taking time to “Go Deep” is still relevant. On today's episode of Money & Meaning, Jeff and Mike discuss Cal Newport's book Deep Work: Rules for Focused Success in a Distracted World. Maybe our current “shelter in place” lifestyle will afford us an opportunity to carve out time for less distractions and more focus to accomplish Deep Work.
Season 3 / Episode 3:
The impact of the SECURE Act on your retirement savings
When the SECURE Act was signed into law last December, it delivered the most sweeping changes to retirement planning we’ve seen in decades—some of which will have major repercussions for years to come. On today’s episode of Money & Meaning, Jeff and Mike discuss the changes that impact pre-retirees and retirees the most (including the elimination of the “stretch” provision for IRAs) and share how to use the SECURE Act to your advantage to protect your retirement savings and support multi-generational planning.
Season 3 / Episode 2:
Tax-advantaged gifting strategies—with special guests Boyd Bailey and Rachel Watson
Giving is often fundamental for those traveling the path from success to significance. On today’s episode of Money & Meaning, Jeff and Mike welcome special guests Boyd Bailey and Rachel Watson of the non-profit National Christian Foundation to discuss tax-advantaged gifting strategies. Whether you are seeking a strategy to support your normal pattern of giving, or you are looking for new ways to support your personal generosity, vehicles like Donor-Advised Funds, Qualified Charitable Distributions, and Single Charity Funds can help you make the most of every gift.
Season 3 / Episode 1:
A New Year’s buffet: Make 2020 your best year yet!
As we kick off the New Year, it’s a great time to get intentional about creating a meaningful future. On today’s episode of Money & Meaning, Jeff and Mike offer a buffet of insights and information to help you start the year out strong. Focusing on key goals that drive improvements across your life; operating from a place of humility and gratitude; and working with a coach that offers technical, operational, and relational excellence are at the forefront of this wealth management smorgasbord.
Season 2 / Episode 12:
How and when to claim Social Security—with special guest Alicia Lipscomb
One of the biggest financial decisions in your 60s is when and how to claim Social Security. Postponing your claim until age 70 can significantly increase your benefit amount, and yet more than half of eligible recipients file at age 62—decreasing their potential monthly income by as much as 57%. On today’s episode of Money & Meaning, Alicia Lipscomb (aka “The Social Security Lady”) sheds light on strategies to increase your lifetime benefits, as well as how to claim spousal benefits (even if you’re no longer married) and benefits for widows and dependents.
Season 2 / Episode 11:
End-of-Year Planning: What’s on your checklist?
By its nature, holistic wealth management encompasses a lengthy list of components. As year-end approaches, working through a carefully constructed checklist is one of the best ways to ensure every piece of your own financial puzzle is fully optimized. On today’s episode of Money & Meaning, Mike and Jeff walk through the most critical items on the list, what has to be tackled when, and how to manage time-sensitive tasks that must be completed by December 31.
Season 2 / Episode 10:
Minds, Markets & Money—with special guest Dr. Daniel Crosby
Does it surprise you to know that how an investor behaves can have a much greater impact on the success or failure of an investment strategy than an investment strategy itself? On today’s episode of Money & Meaning, psychologist, behavioral finance expert, and New York Times best-selling author Dr. Daniel Crosby discusses the psychological and biological factors that can thwart wise investment decisions, and why doing less is often better then doing more in the world of investing.
Season 2 / Episode 9:
The Path to Purpose—with special guest Rick Thompson
Often, the path to building a meaningful second half of life is rooted in challenges from the past. On today’s episode of Money & Meaning, Rick Thompson, co-founder of Atlanta-based Champions Community Foundation, shares his own story of how parenting a child with mitochondrial disease inspired a public charity that empowers young adults with conditions such as cerebral palsy, spina bifida, muscular dystrophy, and physical injury to live independent, productive, and physically active lives.
Season 2 / Episode 8:
The Power of Decisions: Moulaye Niang’s path from star athlete to valued portfolio advisor
Every decision in our lives plays a role in dictating our future. In this special episode of Money & Meaning, Dimensional Fund Advisors’ Moulaya Niang shares how his own decisions and long-term outlook took him from his boyhood dreams of becoming a pro soccer player in Senegal, to becoming a star athlete at the University of Kansas, to helping investors and advisors build efficient portfolios.
Season 2 / Episode 7:
The Experience Transformer: Turning every experience into a learning experience
Things don’t always go as planned—in our lives or in our finances. The challenge is to take every experience, good or bad, to learn and move forward with greater confidence. In this episode of Money & Meaning, Jeff and Mike discuss what to do when things go awry and how to answer the question, “Where do I go from here?”
Season 2 / Episode 6:
Getting rational: Lessons from Hans Rosling on how real data about the real world can drive better investment decisions
In his book Factfulness: Ten Reasons We're Wrong About the World--and Why Things Are Better Than You Think, Hans Rosling provides powerful insights into how knowing the facts (which are often far different from the headlines) can help us perceive the world more accurately. In this episode of Money & Meaning, Jeff and Mike discuss how this new perspective can make us all better investors.
Season 2 / Episode 5:
Millennials and Money: Special guest Cam Marston shares how to talk money with your next generation
Every generation views money differently. As a result, how we communicate with our kids and grandkids about our financial values can have a huge impact on the future--both theirs and our own. In this episode of Money & Meaning, Jeff and Mike welcome Cam Marston, President of Generational Insights, who shares his thoughts on helping the next generation achieve 'money & meaning' in the decades to come.
Season 2 / Episode 4:
The true cost of ‘certainty’ when investing for the future
There are certain financial products that promise to bring safety to your retirement income strategy. But is it possible that this ‘cure’ may actually be the cause of the disease? In today’s episode of Money & Meaning, Jeff and Mike discuss the true cost of certainty, and how understanding what truly increases the risk of not having enough income in retirement can help you create a strategy that can deliver.
Season 2 / Episode 3:
Achieve life-long financial freedom by creating an income stream that can actually rise in retirement
However you choose to define “retirement,” financial freedom in your post-career years requires a rising income stream—one that not only lasts for the duration of your lifetime, but also outpaces the rate of inflation. In today’s episode of Money & Meaning, Jeff and Mike discuss the challenge of building an investment strategy that can grow your income once you’re no longer trading your own labor for a paycheck.
Season 2 / Episode 2:
Exploring your "Retirementality" with special guest Mitch Anthony
What is your Retirementality? In today’s episode of Money & Meaning, Jeff and Mike welcome special guest Mitch Anthony, a pioneer in the financial life planning movement and author of The New Retirementality. Join us as Mitch shares his perspectives on the true definition of work, and how rethinking the “artificial finish line” of retirement can transform your life—no matter what your age today.
Season 2 / Episode 1:
Understanding the (wild and crazy) capital markets heading into 2019
If the capital markets have you concerned, today’s episode of Money & Meaning can help. In this precursor to our January 24 investment review webinar (click here to register), Jeff provides some perspective as he discusses the risks and opportunities ahead, the value of a sound investment strategy, and how investors can prepare heading into the New Year.
Season 1 / Episode 12:
Things that make you go “Hmmm” with special guest David Hultstrom
In this final episode of 2018, Jeff and Mike welcome David Hultstrom, co-founder and Chief Investment Officer of Financial Architects who shares his 4 rules for guaranteed financial success. From the obvious (start saving as early as possible) to the less intuitive (hedge as much risk as you reasonably can), his guidelines are great suggestions for balancing what you have with what you need—today and far into the future.
Season 1 / Episode 11:
Rethinking capital market assumptions to create an optimal (not perfect!) portfolio
Are you using the right information to build your long-term investment portfolio? In today’s episode of Money & Meaning, Jeff discusses why it may be time to rethink traditional market assumptions, the reason ‘expected returns’ don’t always deliver expected outcomes, and why a ‘perfect’ portfolio isn’t always a perfect choice.
Season 1 / Episode 10:
If I died tonight: Planning for the financial impact of the unplanned
It’s a topic no one likes to talk about, but careful planning is the best way to ensure that money is the very last thing your loved ones will need to worry about should you die or become disabled. In today’s episode of Money & Meaning, Jeff discusses the important role of life insurance in your holistic wealth management plan.
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Season 1 / Episode 9:
The path to evidence-based investment planning
It’s said that true wisdom doesn’t have to be complicated, and yet for many of us, the path to wise investing is anything but a straight line. In today’s episode of Money & Meaning, Jeff sheds light on ways to streamline that path, and how evidence-based investing can help you reach your long-term investment goals.
Season 1 / Episode 8:
Trust the process: Creating predictability in an unpredictable world
No one likes surprises—especially when it comes to money. But in an unpredictable world, how can investors make wise choices to reach their life goals? In today’s episode of Money & Meaning, Jeff shares the importance of focusing on the things that matter and instilling rules, habits, and disciplines that lead to success.
Season 1 / Episode 7:
Creating a life of greater joy: Introducing Jeff Spadafora and ‘The Joy Model’
Building a concrete vision of your end game is really the only way to create meaningful change in your life. In today’s episode of Money & Meaning, Jeff welcomes special guest Jeff Spadafora, a Christian life coach and author The Joy Model. Jeff shares his own path toward meaning and offers insights on how to build a life of greater joy.
Season 1 / Episode 6:
Fostering healthy investor behavior using an evidence-based approach
It’s often said that investors who fail to reach their goals do so not because of what their investments do, but what they do to their investments. In today’s episode of Money & Meaning, Jeff reveals how an evidence-based investment approach encourages healthier investor behavior and, ultimately, improves the potential for a rising income stream over time.
Season 1 / Episode 5:
Uncovering your unique abilities to create a purpose-filled life
Your unique abilities are found in places where passion, excellence, and the ability to serve others intersect. But recognizing that confluence when it happens is often easier said than done. In today’s episode of Money & Meaning, Jeff walks through processes and tools that can help you excavate and identify your greatest strengths.
Season 1 / Episode 4:
Tax-efficient charitable giving: Using “free bridges” to support your personal gifting strategy
For many people, charitable giving is vital to Money & Meaning. In today’s episode, Jeff shares how the new tax law’s “free bridges” can be used to preserve your capital resources and align your gifting strategy with your personal values.
Season 1 / Episode 3:
What are your great goals in life?
Great financial planning is much broader than investing alone. In today's episode of Money & Meaning, Jeff asks, "What are your great life goals?" and then shares how allocating your limited resources to support your goals can drive a better, more personalized financial plan.
Season 1 / Episode 2:
Putting First Things First: 4 Questions to Help You Uncover What Matters Most
Understanding what truly matters most in our own lives is rarely as obvious as we’d like to think. In today’s episode of Money & Meaning, Jeff walks through the 4 key questions that can help ensure that the “things that matter most are never at the mercy of the things that matter least.”
Season 1 / Episode 1:
It’s a Wonderful Life: Jeff’s Journey & the legacy of George Bailey
Being authentic in life is critical to achieving your goals. Jeff shares how his personal experiences have led him to his current philosophy and why, after three decades as a financial planner, he believes that aligning your values and your resources should be every investor’s number-one goal.