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Michael Policar - Fiduciary

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Clinical Chats: a Podcast for Sexual and Reproductive Health ProfessionalsClinical Chats: a Podcast for Sexual and Reproductive Health ProfessionalsCoding with Ann Episode 23: Billing and Coding for Early Pregnancy Loss ManagementThe latest episode in the popular Coding with Ann series features a conversation with expert Ann Finn and special guest Dr. Michael Policar about potential scenarios clinicians may see around early pregnancy loss and how to bill for them in order to maximize clinic revenue and reimbursement. 2023-07-1118 minThe Money ScriptThe Money ScriptBetween 2 Advisors - A Convo with Michael PolicarIn this episode of The Money Script Podcast, host Yohance Harrison is joined by financial advisor and Twitter favorite, Michael Policar. They explore the challenges and joys of running independent financial firms, share insights on overcoming the inertia many face in financial planning, and discuss the importance of fiduciary standards. Michael reflects on his entrepreneurial family roots, his journey from broadcasting to financial services, and why Twitter has become a vital tool for connecting with like-minded professionals. With practical advice and a touch of humor, this episode is perfect for anyone looking to take control of their financial future.2022-09-0244 minGo Out And Live!Go Out And Live!Oh, Behave!I recently completed Shaping Wealth's "Building the Behavioral Advisor" program and it was one of the most transformative experiences of my career. My goal today is to talk with you about a few things I've learned and how they APPLY to our personal financial lives. I can't wait to share more of what I've learned and exercises to help you help yourself.   Questions? Email me: Mike@ngpfp.com2022-08-0212 minGo Out And Live!Go Out And Live!What will the World Look Like in 5 years?What might the stock market look like 5 years from now? If it's higher, then should you be buying or selling right now? Even if it were to go down 50% more from here, but 5 years from today it were higher, would buying be a mistake or a good decision? It's kind of an important question, isnt it?   Questions? Email me: Mike@ngpfp.com   2022-07-2611 minGo Out And Live!Go Out And Live!How Do I Start Investing?No matter where you find yourself in life, it's never too late to begin your investing journey. Whether you can start with $10 or $10 million, getting started can often be the hardest part. Here's the secret: It doesn't have to be that hard.    Questions? Email me: Mike@ngpfp.com   2022-07-1912 minGo Out And Live!Go Out And Live!Does a Recession Really Matter?Of course it does. But not being able to pay your bills during an economic expansion feels a lot worse than being able to pay your bills during an economic recession. This week, we talk about recessions, the effect on US stocks, and hot dogs.    Questions? Email me: Mike@ngpfp.com 2022-07-1209 minGo Out And Live!Go Out And Live!The Declaration of IndependenceThis week I read the Declaration of Independence. This is not a political statement. I believe it's important to know how The United States of America began. We'll get back to personal finance next week.    Questions? Email me: Mike@ngpfp.com 2022-07-0509 minGo Out And Live!Go Out And Live!Packing your ParachuteAs we continue our conversation on planning for the event of sudden job loss, we dive into several insurance-related iems. We talk about health insurance options, like COBRA, and dive into life insurance as well. There's more to this conversation to come.    Questions? Email me: Mike@ngpfp.com2022-06-2810 minGo Out And Live!Go Out And Live!Layoffs? Layoffs?! Are You Kidding Me?!?Coach Jim Mora's response to a question about making the playoffs resulted in one of the funniest post-game interviews in the NFL. As news of layoffs continues to make the front page, we discuss a few elements of your compensation package that could require some planning in case you get the dreaded pink slip.   Questions? Email me: Mike@ngpfp.com 2022-06-2110 minGo Out And Live!Go Out And Live!Fresh DebtI'd prefer frozen in this case, but I found myself faced with a decision to liquidate hundreds of thousands of dollars of investments or borrow money. I chose the borrowing route, and while I think it was the right decision FOR ME, it doesn't come without risks and without me losing control of money.    Questions? Email me: Mike@ngpfp.com 2022-06-1410 minGo Out And Live!Go Out And Live!The Media and Your MoneyMedia is a business, not a public service. The same is true for social media. Their goals are to extract as much profit as they can. Sensationalism sells, pragmatism doesn't. Next time you're listening to someone on TV talk about doom and gloom, remember that they don't care if you meet your goals or not. Only that you "pay" attention.   Questions? Email me: Mike@ngpfp.com 2022-06-0710 minGo Out And Live!Go Out And Live!Dead Cat BounceDon't worry, this is still a personal finance podcast. Today we're talking about a phenomenon that can both help investors weather terrible downturns in stock prices, and pump-fake us into believing we're done with the selling. We've already had one such dead cat bounce in the market this year, and there could be more.    Questions? Email me: Mike@ngpfp.com2022-05-3111 minGo Out And Live!Go Out And Live!What the Heck is a Stink Bid?If you've got your shopping shoes on, but aren't sure whether the market has further to fall or not, you could always try using a "stink bid" to get shares of a stock you like at a price much lower than the current market price. This week, we're talking about Stink Bids and of course, some risk factors associated with this strategy.    Questions? Email me: Mike@ngpfp.com  2022-05-2408 minGo Out And Live!Go Out And Live!Your Brain, Your Money and Your HairIf you're scared of the market, or thinking about it gives you anxiety because you're uncertain about what might happen in the future, you are human. That's a normal, natural reaction to what is happening in the market. It's okay. You're okay.  Questions? Email me: Mike@ngpfp.com 2022-05-1712 minGo Out And Live!Go Out And Live!This Market SucksSometimes the market just plain sucks. That's the kind of market we're in now. There are myriad reasons why, but the only thing that matters is what matters to you. How you feel and how you act will likely have more to do with YOUR reality than the market action.    Questions? Email me: Mike@ngpfp.com2022-05-1011 minGo Out And Live!Go Out And Live!While I was AwayIt's been about 6 weeks since our last conversation, and this week I'm back to give you an idea of why I was away. We'll also talk about what train travel and investing have in common. Thanks for sticking with me through a rough time in my life!    Questions? Email me: Mike@ngpfp.com2022-05-0308 minGo Out And Live!Go Out And Live!Black GoldOil finds a way into most of our lives. The roads you drive on are paved with oil. Each tire on your electric car take about 7 gallons of oil to produce. Even your toothbrush comes from oil! It's a major part of our world and it goes largely unnoticed until the prices skyrocket like they have lately.    Questions? Email me: Mike@ngpfp.com 2022-03-1513 minGo Out And Live!Go Out And Live!A "Healthy" Correction Can Make You Feel SickA good time to think about a correction is when markets are behaving well. After the crash, it can be too late, and rash decisions can end up compounding the problems facing your financial well being. If you're like me, a friendly reminder is a welcome thing while we're within 1.5% of the all time highs.    Questions? Email me: mike@ngpfp.com2022-03-0808 minGo Out And Live!Go Out And Live!War is HellThis week's conversation is a quick one. Like a lot of people, from the comfort of our homes in the USA, we're watching in horror the war in Ukraine. Thanks to the folks at LPL Research, we quickly explore how US stocks have fared during times of conflict and major world events.    Questions? Email me: Mike@ngpfp.com2022-03-0107 minGo Out And Live!Go Out And Live!Rely on Your StrategyHope is not a strategy. You can certainly hope that things go your way. And you should have hope for a better future, especially if you're an investor. But hope by itself is not a strategy. This week we call on three famous innovators to illustrate the point.    Questions? Email me: Mike@ngpfp.com2022-02-2211 minGo Out And Live!Go Out And Live!One Percent BetterTo get 1% better every day means you'd improve by 37x every year. It might be doable in some areas for a little while, but probably not a sustained period of time. What I think is better is to focus on incremental improvement. You get really far by taking small steps.    Questions? Email me: Mike@ngpfp.com2022-02-1509 minGo Out And Live!Go Out And Live!Mind on My MoneyAs Americans, we spent a lot of time thinking about money last year. More specifically, OUR money. That was evident based on the top 10 trending internet searches of 2021. We discuss those, and the difference between knowledge and wisdom as it pertains to investors.   Questions? Email me: Mike@ngpfp.com2022-02-0111 minMinority MoneyMinority MoneyBuilding Generational Wealth with Lea LandaverdeBuilding wealth for ourselves is a dream for all of us but building generational wealth that will help your entire family and all the future generations to come after you is even better. Here today to help you realize that you too can achieve this is Lea Landaverde.Lea is the founder of “The Riqueza Collective” and also runs the “Mi Riqueza Podcast”, both of which are all dedicated to one thing and that is for people of color and immigrants to build generational wealth for their family.If you were born into not the best of...2022-01-3135 minGo Out And Live!Go Out And Live!So, You wanna be an Investor?This episode was inspired by a tweet that I responded to last week, and an investment concept that I've talked about in the past. I think it can be very helpful to view your investments as "units" rather than dollars. The dollar value will change with the whim of the markets. The number of shares you have will not.    Questions? Email me: mike@ngpfp.com2022-01-2510 minGo Out And Live!Go Out And Live!FearFear drives a lot of short term market direction. But somehow, over the long-term optimism seems to rule the markets. It's important to separate Fear from Uncertainty and Uncertainty from Risk. They're interrelated, but they're not the same thing. Don't allow fear to get in the way of making decisions that you believe to be right for you and your future.    Questions? Email me: Mike@ngpfp.com 2022-01-1111 minGo Out And Live!Go Out And Live!Save More MoneyThe IRS has raised the limits for 401(k) and similar contribution maximums for 2022. You can now put $20,500 into a 401(k) and if you're over 50 years old, you can make an additional $6,500 catch-up contribution. It's important to take a look at what you're contributing to your 401(k) and make sure it's the right plan FOR YOU!   Questions? Email me: Mike@ngpfp.com   2022-01-0411 minGo Out And Live!Go Out And Live!Finding Success in FailureI set a goal to do 25,000 pushups in 2021. I didn't do 25,000 pushups in 2021. The year isn't quite over, but there's no way I'll get there. In failing to hit my goal, I learned a lot about myself. And more importantly, I learned that even a "failure" can be a success.   Questions? Email me: Mike@ngpfp.com   2021-12-2810 minGo Out And Live!Go Out And Live!Fixing the Fixable with Laurie RuettimannHave you ever wanted to walk into your bosses office and just should "I QUIT" and walk out? You haven't done it, because it's not usually a great way to handle that sort of thing. But if you've ever felt like you hate your job, or you get the Sunday Scaries about going back to work on Monday, you'll want to hear what Laurie has to say.    Questions? Email me: Mike@ngpfp.com   2021-12-1434 minGo Out And Live!Go Out And Live!Absolutely Nothing! (Bad Debt)Can you afford the purchase? Or can you just afford the payment? When you're buying a car, the dealer wants to talk about the payment. Why? Because they don't want you to know how much the car costs! They just want you to know you can afford the payment. Don't let bad debt put you in a tough situation.    Questions? Email me: Mike@ngpfp.com2021-12-0712 minGo Out And Live!Go Out And Live!Debt (What is it Good For?) Part 1I'm a fan of the Edwin Starr song, so I figured the title was a nice homage. But this weeks topic is about good debt. My definition of good debt is borrowing money to buy something that will increase in value or utility over time. We talk about a few examples of good debt and a story about a prominent historic figure in American culture.   Questions? Email me: Mike@ngpfp.com 2021-11-3006 minGo Out And Live!Go Out And Live!Inflation!It's been quiet for a long time, but inflation is rearing it's head in a way not seen since the lead-up to the Global Financial Crisis and 2021 could prove to see more inflation than any single year since 1991. This week we talk about what inflation is, and a few things you can do to buffer yourself from the effects of this invisible "tax" on your lifestyle.    Questions? Email me: Mike@ngpfp.com2021-11-2310 minGo Out And Live!Go Out And Live!It's Electric!25 years ago, electric cars were mostly concepts and designs by engineering students. Today, electric cars seem to be the next wave of car buying. From roadsters to delivery vans, sports cars to vintage-style pickup trucks, going electric is a very strong trend among automakers and it appears to be what buyers are most interested in as well.    Questions? Email me: Mike@ngpfp.com 2021-11-1610 minGo Out And Live!Go Out And Live!Spreadsheets and HeartbeatsFinancial planning, whether done by a professional or done yourself, should give you confidence that you're heading in the right direction. A spreadsheet can't assure you of success, but it can go a long way to easing your anxiety about finances. This week we explore a few ideas to help relieve financial stress.    Questions? Email me: Mike@ngpfp.com   2021-11-0911 minMinority MoneyMinority MoneyNew Updates, Recaps and RepresentationThe Financial Planning series officially ended a week ago and what a fantastic ride it was. I hope all of you enjoyed it and learned as much as I had listening to these guests.That being said, today’s episode will just be a quick one and I’ll basically be talking about some updates in my life, preparing for the holiday season, recaps and why representation is important.So if you’re interested in hearing about these things then make sure to listen to this week’s episode.  2021-11-0811 minGo Out And Live!Go Out And Live!Compound Your Face OffThis is one of my favorite concepts when it comes to personal finance. Compounding, as Albert Einstein allegedly stated, is the 8th wonder of the world. It can be hard to keep it top of mind, since the first 20 years of compounding don't seem to move the needle compared to the next 20. One important element of compounding? DON'T INTERRUPT IT!   Questions? Email me: Mike@ngpfp.com  2021-11-0210 minGo Out And Live!Go Out And Live!Year End Tax PlanningAny time of year is a good time to do some tax planning. There's a lot of talk about it this time of year because people, for the most part, don't want to take action on something until they have to. In our conversation, we'll cover a few things that can potentially lower your tax liability in the current year and in future years.  I am not a CPA and this is not tax advice. ALWAYS CONSULT A TAX ADVISOR.   Questions? Email me: Mike@ngpfp.com 2021-10-2611 minGo Out And Live!Go Out And Live!Uncle JackThis past weekend, we lost my uncle, Jack. He was a lot more than an uncle to me. Uncle Jack exemplified Go Out And Live. He lived life on his own terms and did it his way. Another lesson in his passing is that people will always remember how you made them feel.    Questions? Email me: Mike@ngpfp.com   2021-10-1906 minGo Out And Live!Go Out And Live!I Chose...PoorlyEnrolling in your health care plan can be easy, if you're keeping everything the same. But it can be incredibly difficult if you're going it alone, or even choosing from a list of options that is vastly different than what you're used to. Also a reminder: Medicare open enrollment begins Friday October 15th, 2021 and runs through Tuesday December 7th, 2021.  Obamacare open enrollment begins Monday November 1st, and runs through Wednesday, December 15th.    Questions? Email me: Mike@ngpfp.com2021-10-1209 minGo Out And Live!Go Out And Live!Employee Financial Wellness: Pandemic EditionAccounting firm PwC conducts a study of 1,600 employees across the United States each year, to gauge the financial wellness of the American workforce. As you might imagine, financial stress has grown for many during the pandemic. This week, we look at the data and offer a few potential solutions to ease the stress on our fellow workers.    Questions? Email me: Mike@ngpfp.com  2021-10-0513 minGo Out And Live!Go Out And Live!Roth vs. TraditionalIf you're not sure of ALL the differences between these two tax-classifications for retirement savings, you're in good company. Which one makes the most sense for you? Just because one is the right choice one year doesn't mean it will be the right choice the next year.    Questions? Email me: Mike@ngpfp.com   2021-09-2813 minGo Out And Live!Go Out And Live!10 Commandments of Getting a Home LoanIt's a competitive market to buy a home right now. I'm joined this week by my friend and mortgage expert, Greg Anderson, to talk about his 10 commandments for getting a home loan. Some of the "commandments" are no-brainer's, like don't take on new debt while you're applying for a mortgage, but some are head-scratchers.    Questions? Email me: Mike@ngpfp.com   2021-09-2134 minGo Out And Live!Go Out And Live!That Pisses Me Off!I'm hoping this will be the start of a "feature" every so often. Sort of like the Financial FAQ conversations. What's pisses me off is when any "advisor" really, but especially a FIDUCIARY advisor doesn't follow through on their duties to those they serve. It hurts people and gives the industry a bad reputation. It's time for that behavior to die.   Questions? Email me: Mike@ngpfp.com2021-09-1412 minGo Out And Live!Go Out And Live!Employee Benefits: The BasicsThere's a lot to think about when it comes to employee benefits. This week we cover the basics, Health Insurance, Retirement, and Life Insurance. There's a lot more to it, but hopefully this will get the wheels turning for you.    Questions? Email me: Mike@ngpfp.com 2021-09-0712 minGo Out And Live!Go Out And Live!Beauty in SimplicityYour personal financial life doesn't have to be complex. I think a simple approach to personal finances may be better than a complex approach. Using nudges, automation, and simplifying your finances, you really can put yourself in control of money.    Questions? Email me: Mike@ngpfp.com 2021-08-2408 minGo Out And Live!Go Out And Live!Maintenance Spending and Buying TimeWe all spend our resources. Sometimes we spend money, sometimes we spend time. And sometimes we can buy time with money. And often we trade time for money. The question is: Are you making deliberate decisions about how you spend your resources? This week, we talk about a thought exercise to help discover our priorities in practice versus priorities in theory.   Questions? Email me: Mike@ngpfp.com 2021-08-1711 minGo Out And Live!Go Out And Live!Do YouThere are so many opinions on personal finance and investing strategies. I have many opinions, too. The one's that usually matter the most are the ones that YOU decide are right FOR YOU. It's all about being able to Do You, or own your strategy. It's easier to stick to that way.   Questions? Email me: Mike@ngpfp.com   2021-08-1010 minMinority MoneyMinority Money“Go Out And Live” with Michael PolicarThe first thought that comes to mind when people hear the word “finance” is usually money, how to take care of your money or even how to make more money, but our guest today, Michael Policar, has a different outlook when it comes to this.Michael runs both NGP Financial Planning and the podcast, “Go Out And Live”, in fact the acronym for this is actually GOAL. This is the basis for everything Michael does as a financial advisor, he wants his clients to reach their goals. A client doesn't have financial goals for the sake of accompli...2021-08-0943 minGo Out And Live!Go Out And Live!Investing OlympicsWhile you're watching the 2020 Summer Olympic Games (or not) in 2021, try to think about the time and sacrifice each of the athletes put into reaching their goals. You can do it to in your own Investing Olympics! Here's my favorite part: Most of the work is simple being patient. Patience pays.    Questions? Email me: Mike@ngpfp.com2021-08-0309 minGo Out And Live!Go Out And Live!Long Term Care Tax...Coming Your Way Soon?Washington State, in January 2022, will become the first to collect a payroll tax to help offset the cost of long term care needs for eligible residents of the state. How long will it be until other states adopt something similar?      Questions? Email me: Mike@ngpfp.com   2021-07-2709 minGo Out And Live!Go Out And Live!Step 6: Investment PlanningInvestment planning is the final step in The 6 Steps to Starting Your Personal Financial Planning. Why? Because I think it's the top of the hierarchy of financial needs. With cash flow planning as the foundation and the rest of our steps leading to your investment plan, you're now armed with the tools to build your personal financial planning process and then Go Out And Live!   Questions? Email me: Mike@ngpfp.com 2021-07-2011 minGo Out And Live!Go Out And Live!Step 5: Estate PlanningIt's hard to make this a "fun" topic, but I really believe that estate planning is for almost everyone. It's not just for really rich people with millions and millions of dollars. It doesn't have to cost a lot, and it doesn't actually take THAT much work or money to get yourself set up properly.    Questions? Email me: Mike@ngpfp.com2021-07-1313 minGo Out And Live!Go Out And Live!Step 4: Financial IndependenceA certain unalienable right was a critical element of the Founding Documents of The United States of America. That right is the pursuit of happiness, a not-so-distant cousin of financial independence. Today, were discussing a few ways to think about making work optional.    Questions? Email me: Mike@ngpfp.com2021-07-0610 minGo Out And Live!Go Out And Live!Step 3: Tax PlanningDISCLAIMER: I am not a CPA or tax advisor. Nothing in this episode should be considered tax advice. Consult a tax advisor before making decisions that involve your taxes.  This week we continue on The 6 Steps to Starting Your Personal Financial Planning. Our tax dollars do a lot of things for us, but nobody wants to pay more than their fair share. We dive into ways to help you potentially lower your current tax bill as well as future tax liabilities.  Questions? Email me: Mike@ngpfp.com 2021-06-2913 minGo Out And Live!Go Out And Live!Step 2: Risk Management & InsuranceAs we continue our exploration of the 6 Steps to Starting Your Personal Financial Planning, we come to insurance and risk management. The goal is not to tell you what insurance to buy or not buy, but to give you a thought process for coming to those decisions on your own.  Questions? Email me: mike@ngpfp.com  www.ngpfp.com 2021-06-2215 minGo Out And Live!Go Out And Live!Step 1: Cash Flow PlanningI think conquering your cash flow is an underrated skill. I think cash flow planning is about 75%, maybe more, of the effort needed to achieve your personal financial goals. This week, we dive into the first step of the 6 Steps to Starting Your Financial Planning with Cash Flow Planning.  If you have any questions about this episode, email me and we'll be sure to answer them on a special Q & A episode!  Questions? Email me: Mike@ngpfp.com 2021-06-1513 minGo Out And Live!Go Out And Live!6 Steps to Starting Your Personal Financial PlanningFinancial planning is an ongoing and should be designed to adapt to changes in your life. Whether you have an advisor or you handle these things alone, I hope you find these next few episodes helpful. 6 Steps to Starting Your Personal Financial Planning: Cash Flow Planning Risk Management and Insurance Tax Planning Financial Independence Estate and Legacy Planning   Questions? Email me: Mike@ngpfp.com    2021-06-0806 minGo Out And Live!Go Out And Live!How Crypto Gets Hacked: with The Wookiee IndexIt's important to know what you're getting yourself, or your money, into when new "asset classes" drift toward your portfolio. I'm joined by a Finance-Twitter rising star, @wookieeindex, who has written enlightening blog posts about how crypto gets hacked.  Read blogs at furballfinancial.substack.com  Questions? Email me: Mike@ngpfp.com   Disclaimer: Nothing in this podcast is a recommendation to buy or sell any security or asset mentioned herein. Companies/assets mentioned are NOT endorsements.2021-06-0116 minGo Out And Live!Go Out And Live!Financial FAQs IIITwo questions that I've heard a lot in the last few weeks:  1. Should I pay off (or pay down) my mortgage?  2. Crypto is crashing, is now a good time to buy?  Per usual, the answers depend on the situation of the people asking them, but I think these sorts of things are on the minds of a lot of people. If you have questions you'd like to have answered on the podcast, email them to FAQ@ngpfp.com   2021-05-2513 minGo Out And Live!Go Out And Live!Do I Own Too Much Company Stock?If you work for a publicly traded company and part of your compensation comes in the form of stock awards, whether that's RSUs, options (ISOs or NSOs), you might wonder if you own too much. Today I walk through a few reasons why I think "rules of thumb" are dangerous when posited as blanket advice.    Questions? Email me: Mike@ngpfp.com 2021-05-1809 minGo Out And Live!Go Out And Live!Your Brain on MathShould you optimize your investments for math and statistics? Or should you optimize your investments for psychology? Today we're looking at the age-old debate of: Is dollar-cost-averaging better than lump-sum investing? We also go over a little experiment to gauge your emotions when you lose money.    Questions? Email me: Mike@ngpfp.com 2021-05-1109 minGo Out And Live!Go Out And Live!Buy High, Sell HigherIt's hard to feel great about buying something at a price it has only recently risen to. It's even harder to "buy the dip" when the market seems to be in free-fall. It's a strange investing phenomenon that the easiest time to buy is when the market is in "meh" territory. But the research is very clear, buying at or near all time highs is NOT a bad strategy.    Questions? Email me: Mike@ngpfp.com2021-05-0409 minGo Out And Live!Go Out And Live!Zero Federal Income TaxThis week we talk about a client who's 2020 tax bill was ZERO on a federal level. They owed a little bit of state taxes, but otherwise they're loving not owing a dime to Uncle Sam! Their CPA is too! This is the result of planning that was started in 2017 (maybe earlier) and is really paying off now. It pays to plan!   Questions? Email me: Mike@ngpfp.com 2021-04-2707 minGo Out And Live!Go Out And Live!The Fifteen Minute Financial PlannerWhen you are solely focused on one thing, you can get a lot done in a short amount of time. This week, we examine three pretty significant personal financial planning elements that you can do in no more than 15 minutes a week. I truly believe that dedicating JUST 15 minutes every week to your personal financial situation can vastly improve things for you in a year.    Questions? Email me: Mike@ngpfp.com 2021-04-2011 minGo Out And Live!Go Out And Live!3 Lessons in My First 3 MonthsI've been running NGP Financial Planning for 3 months now. I took some time to reflect on what I've experienced, and came up with three lessons from running a business that apply to personal finances and life in general.  I'd love your feedback or to hear any questions you have for me.    Questions? Email me: mike@ngpfp.com2021-04-1312 minGo Out And Live!Go Out And Live!When Average WinsThere's a narrative in our world that seems to demand excellence, or even perfection from human beings. Some people do extraordinary things and we hear their stories of success. Most of us, though, are average. What I want you to know is that being average can be great in life and investing.    Questions? Email me: Mike@ngpfp.com2021-04-0610 minGo Out And Live!Go Out And Live!Oh, Ship!There are always "reasons," caused by things beyond our control, for why you shouldn't invest. Or reasons you should take your money out of the market. But those reasons are usually short-term, or flat-out ignorant. Have a plan, stick to your plan, and don't worry about the things you can't control.    Questions? Email me: Mike@ngpfp.com2021-03-3006 minGo Out And Live!Go Out And Live!Annual Return is MeaninglessNot totally meaningless, but focusing on or talking about your "annual return" won't do much for you as an individual. Something I think is valuable is to think about your investments in terms of decades, not in terms of days, weeks, months, or even years.    Questions? Email me: Mike@ngpfp.com2021-03-2310 minGo Out And Live!Go Out And Live!Not Everyone Needs an AdvisorYou don't need a financial advisor until you need a financial advisor. Some people want an advisor, so they hire one. Others plan and prepare their financial futures on their own. One way is not better or worse than the other. The only thing that matters is what YOU want in your life.    Questions? Email me: mp@ngpfp.com2021-02-2307 minGo Out And Live!Go Out And Live!3 "Super" Personal Finance Lessons from Patrick and TomOn February 7th, 2021, we saw one of the oldest and most decorated NFL quarterbacks dismantle the favorite to win the NFL Championship. We also saw the most exciting young quarterback attempt to defend his 2019 championship. I found three personal finance lessons in that game that you can apply to your journey and claim your own championship.    Questions? Email me: Podcast@ngpfp.com2021-02-0911 minGo Out And Live!Go Out And Live!Tendies, Diamond Hands and Risk ControlsI'll be the first person to tell you it's okay to gamble a little bit in the markets, and it's okay to have a little fun with those gambling dollars. But know that it's not investing. One of the most expensive lessons in the markets is thinking you've somehow "beaten the system." The market humbles many participants, but you don't hear about it because they just disappear.   Questions? Email me: mp@ngpfp.com  2021-02-0208 minThe Family Planning FilesThe Family Planning FilesIntroducing the NCTCFP Clinician Cafes!Starting in 2021, the NCTCFP will be debuting new learning modality called Clinician Cafes!  Each Clinician Café will combine peer-reviewed scholarship, online products, and the chance to consult experts, both via Zoom and asynchronous online chat, about the latest topics in Title X and family planning care.  Our first Clinician Cafe will be open from January 25th through January 29th, and features Patty Cason and Dr. Michael Policar discussing the new ASCCP Risk-Based Management Consensus Guidelines.  This Cafe offers up to three hours of CE, and while it is free, space is limited to just 45 participants, to maximize engagement.  To sign...2020-12-1601 minClinical Chats: a Podcast for Sexual and Reproductive Health ProfessionalsClinical Chats: a Podcast for Sexual and Reproductive Health ProfessionalsIntroducing the NCTCFP Clinician Cafes!Starting in 2021, the NCTCFP will be debuting new learning modality called Clinician Cafes!  Each Clinician Café will combine peer-reviewed scholarship, online products, and the chance to consult experts, both via Zoom and asynchronous online chat, about the latest topics in Title X and family planning care.  Our first Clinician Cafe will be open from January 25th through January 29th, and features Patty Cason and Dr. Michael Policar discussing the new ASCCP Risk-Based Management Consensus Guidelines.  This Cafe offers up to three hours of CE, and while it is free, space is limited to just 45 participants, to maximize engagement.  To sign...2020-12-1601 minSpeaking LogiclySpeaking LogiclyWhat Fiduciary Really Means feat Michael PolicarMichael Policar, Fiduciary Wealth Manager at Hightower Bellevue, joins us to talk about his experience moving from a big wirehouse firm to a more independant advisory business, why he chooses ETFs for client portfolios, and what the word "fiduciary really means to him.2020-10-2200 minThe Conquer Risk PodcastThe Conquer Risk PodcastIs Social Media a Waste of Time?There is a vast community of Financial Advisors on social media. While it can be a fun way to stay connected, is there any real value in it? Our Director of Marketing, Christopher Norton, sits down for a series of one-on-one conversations to explore this topic from multiple perspectives:Zach McDonaldPresident and Chief Marketing Officer at Three CrownsCourtney McQuadeCommunications Manager at Integrated Partners Social Media Strategist at CitywireLiv GagnonFounder and Brand Strategist at Portaga CreativeMichael PolicarFiduciary Wealth Manager at Hightower BellevueHost of the 15 Minute Advisor PodcastLauren OwensPersonal ChefWe hope you e...2020-09-0130 minMinority MoneyMinority MoneyThe Biggest Factors to Consider During Open EnrollmentDoes there need to be more education from employers when it comes to your health insurance? You know there does! But, according to our next guest and awesome podcast host of the 15 Minute Financial Advisor, Michael Policar, we can't put this all on them. Employees need to go in with the mindset that they're out to take care of themselves too. You've got to listen to these wise words from Michael, especially with open enrollment right around the corner. Be sure to subscribe to the podcast on your favorite podcast app!2019-10-2540 minLiving With MoneyLiving With MoneyMichael Policar - Fifteen Minute Financial AdvisorIn Ep. 91, Tim interviews Michael Policar.  Mike is the host of the Fifteen Minute Financial Advisor podcast and a wealth manager at Hightower Bellevue.  They talk about the success of Mike's podcast, his desire to educate both his clients and podcast listeners in the world of personal finance, and more!  They also discuss what it means to be a fiduciary, and some common personal finance tips that everybody needs to hear.  Enjoy!2019-10-1746 minAll About Your Benjamins™All About Your Benjamins™Project One Question: Wealth/Stack 2019Wealth/Stack has been well covered--I did my own summary here, so there's no need for me to revisit how great the conference was. While I was in Scottsdale, I managed to record another Project One Question episode for All About Your Benjamins The Podcast. If I'm being honest, I failed at this episode...not because what you are about to listen to or watch is not good. It's quite the opposite--it's outstanding! This episode could have been even more amazing if I would have managed to get more people on it; if you were at Wealth/Stack and we h...2019-09-2716 minAll About Your Benjamins™All About Your Benjamins™Meeting Of The Minds II: Wealth/Stack PodcastThe Meeting Of The Minds in Dana Point was one of my favorite videos I've recorded this year. After getting such a warm response to it, I decided I am going to do my best to organize a fresh Meeting Of The Minds at each conference I attend. As I'm sure you are well aware, Wealth/Stack wrapped up not too long ago, and I was able to fill another hotel room with some of my friends to discuss various topics related to financial planning and advice. Just like in Dana Point, the hotel room in Scottsdale was full of...2019-09-1946 minThe Summoning HourThe Summoning HourEpisode 062 - Michael Policar, 15 Minute Financial Advisor Podcast HostFor all the conversation about the money of esports lately, Fortnite World Cup and DOTA2's The International come to mind presently, if you're not a player, what can you do to join in on all of this hype? Well, investing is a start, but before you can get there safely, you need to take care of you and build your infrastructure. With that in mind, I brought in my fellow podcast host compadre, Michael Policar, from his podcast "15 Minute Financial Advisor".  This session has him going over some of his favorite books and resources as well a...2019-08-2639 minLOMAH Disability PodcastLOMAH Disability PodcastMenstrual Manipulation & The Pelvic Exam for Women with DisabilitiesMany women and teens use hormones to manipulate their menstrual cycle and so it makes sense this can also be an option for women with disabilities. What ethical considerations come into play and what options are available? What about the pelvic exam? Is it a recommended procedure for this population? How can it be performed with the utmost dignity for patients with differing abilities? The first part of the show will cover reasons for menstrual manipulation and the ethics of making that choice. The last half covers options for menstrual manipulation including considerations that may be specific f...2019-07-3048 min