Ryan BUrklo And Alex Collins

Shows

Beer & MoneyEpisode 297 - To Roth or Not To Roth Part 1In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the nuances of Roth accounts, focusing on when to contribute to them and the importance of understanding tax brackets. They explore the differences between marginal and effective tax rates, the significance of tax diversification, and strategies for funding Roth accounts. The conversation emphasizes the need for personalized financial planning and the impact of future income on tax strategies. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo 2025-04-2116 min

Beer & MoneyEpisode 294 - Finding My "Why" As A Financial Advisor - Alex CollinsIn this episode of Beer and Money, Alex Collins shares his personal journey in the finance industry, discussing his background, the importance of financial planning, and the impact of partnerships in his career. He emphasizes the significance of helping clients achieve their financial goals and the emotional aspects of financial planning, particularly in times of loss. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Alex Collins has a strong foundation in finance from a young a...2025-03-3112 min

Beer & MoneyEpisode 293 - Finding My "Why" as a Financial Advisor - Ryan BurkloIn this episode of Beer and Money, Ryan Burklo shares his personal journey and professional evolution into financial advising. He discusses his background, the importance of understanding client goals, and the role of effective communication in financial planning. Ryan emphasizes that financial planning is not just about money, but about helping clients achieve their desired lifestyles and goals. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Ryan Burklo shares his personal story to build t...2025-03-2411 min

Beer & MoneyEpisode 292 - What is an Umbrella Policy?In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the importance of umbrella policies in personal finance. They explain what an umbrella policy is, how it provides an extra layer of liability insurance beyond standard policies, and why it is crucial for protecting assets and income. The conversation also covers the cost-effectiveness of these policies and how to determine the right amount of coverage needed. The hosts emphasize the importance of consulting with financial and insurance professionals to ensure adequate protection against potential lawsuits. Check out our website: beerandmoney.net For a...2025-03-1715 min

Beer & MoneyEpisode 291 - Time to Talk about Exchange FundsIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the concept of exchange funds, particularly for individuals with concentrated stock positions. They explore the implications of holding large amounts of stock in a single company, the tax ramifications of diversifying, and various strategies to manage risk and enhance portfolio diversification. The conversation emphasizes the importance of working with financial and tax advisors to create a tailored strategy for managing concentrated stock positions. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: ht...2025-03-1020 min

Beer & MoneyEpisode 287 - Tariffs 101In this episode of Beer and Money, Ryan Burklo and Alex Collins delve into the complex topic of tariffs, exploring their definition, implications, and effects on businesses and the economy. They discuss the potential benefits and drawbacks of tariffs, including their impact on consumer prices and the risk of trade wars. The conversation emphasizes the importance of understanding market dynamics and preparing for economic volatility, particularly for small businesses and investors. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo 2025-02-1014 min

Beer & MoneyEpisode 282 - Understanding Recovery Rates in InvestingIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the often misunderstood concept of recovery rates in investing, particularly after market downturns. They explore the mathematical realities of recovering from losses, the importance of strategic retirement planning, and the need for a balanced approach to investing that includes both market and non-market assets. The conversation aims to debunk common myths about rate of return and emphasizes the significance of cash flow in retirement planning. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: h...2025-01-0619 min

Beer & MoneyEpisode 278 - The Five Biggest Factors of Retirement PlanningIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the five biggest factors of retirement planning, emphasizing the importance of income streams, asset location, liquidity, tax distribution status, and tax strategy. They challenge the conventional focus on accumulating a large nest egg and encourage listeners to consider how their savings will translate into cash flow during retirement. The conversation highlights the need for a comprehensive approach to retirement planning that goes beyond just investment returns. Check out our website: beerandmoney.net For a quick assessment of your current financial life go t...2024-12-0929 min

Beer & MoneyEpisode 277- Navigating Investment Strategies After ElectionsIn this episode of Bearing Money, Ryan Burklo and Alex Collins discuss the implications of recent election results on investment strategies. They emphasize the importance of maintaining a long-term perspective in investing, regardless of political changes. The conversation highlights the emotional aspects of investing and how fear and greed can lead to poor financial decisions. They also analyze market trends and historical data to illustrate that external factors, rather than political leadership, significantly influence market performance. The episode concludes with a call to action for listeners to reflect on their investment strategies and emotional management. Check out our...2024-12-0218 min

Beer & MoneyEpisode 273 - Debunking Tax Deferral MythsIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the myths surrounding tax deferral, particularly the common belief that individuals will be in a lower tax bracket during retirement. They explore the implications of income growth over a career, the importance of tax planning, and strategies for managing tax efficiency in retirement. The conversation emphasizes the need for a balanced approach to retirement planning, considering both taxable and tax-free income sources. Takeaways Tax deferral is often misunderstood; it's not a one-size-fits-all model. Many believe they will be in a lower...2024-11-0421 min

Beer & MoneyEpisode 271 - How To Mitigate Investment RisksIn this episode of Beer and Money, hosts Ryan Burklo and Alex Collins welcome Joe Hegener, founder and CIO of Astrazoa Management, to discuss the current economic landscape, particularly focusing on falling interest rates and their implications. Joe shares his extensive background in finance, including his experiences at BlackRock and PIMCO, and provides insights into the effects of zero interest rates, inflation dynamics, and the potential risks facing the market. The conversation also delves into portfolio management strategies and the importance of diversification in today's economic environment. Takeaways Joe Hegener has extensive experience i...2024-10-2138 min

Beer & MoneyEpisode 270 - The Hidden Cost of InheritanceIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical topic of estate planning for parents. They explore the various challenges that arise when parents do not have proper estate planning documents in place, including tax implications, health concerns, and potential family conflicts. The hosts emphasize the importance of proactive planning and open communication between parents and their children regarding financial matters and estate planning. They also highlight the role of financial professionals in facilitating these discussions and ensuring that families are prepared for the future. Takeaways Estate p...2024-10-1419 min

Beer & MoneyEpisode 261 - The Impact of Inadequate Life InsuranceIn this episode, Ryan Burklo and Alex Collins discuss the importance of life insurance and how it can protect your family's financial future. They emphasize the need to consider how much life insurance to get based on the number of years of income you want to replace. The hosts use a hypothetical scenario to demonstrate the impact of life insurance on a couple's financial situation. They show that without adequate life insurance coverage, the surviving spouse may face a significant reduction in their standard of living. The episode concludes with a call to action for listeners to evaluate their...2024-09-2326 min

Beer & MoneyEpisode 267 - Planning With Cashflow In MindIn this episode, Ryan Burklo and Alex Collins discuss the importance of planning with cashflow in mind. They highlight the common focus on accumulating assets and net worth, rather than considering the income generated by those assets. They emphasize the need to think with the end in mind and prioritize cashflow, taxes, and asset distribution. The conversation explores the different tax categories (fully taxable, partially taxable, and non-taxable) and the importance of having flexibility in asset allocation. The hosts encourage listeners to consider their future financial goals and reach out for personalized analysis and guidance. Takeaways 2024-09-1619 min

Beer & MoneyEpisode 266 - Is Volatility A Friend Or Foe?In this episode, Ryan Burklo and Alex Collins discuss the topic of volatility and whether it is a friend or a foe. They explore how volatility can be beneficial during the accumulation phase, as it allows for higher rates of return. However, as retirement approaches and withdrawals are made from the portfolio, volatility can become a risk. They also emphasize the importance of diversification and having a balanced portfolio across different asset classes. The hosts use examples and a sequence of return calculator to illustrate the impact of volatility on investment returns. They conclude by encouraging listeners to view...2024-09-0927 min

Beer & MoneyEpisode 264 - What Is A Trust?In this episode, Ryan Burklo and Alex Collins discuss the topic of trusts, specifically revocable and irrevocable trusts. They explain that a trust is like a folder where you can put assets that are owned by the trust rather than by you. They discuss the roles of the grantor, trustee, and beneficiary in a trust and the benefits of a revocable trust, such as probate avoidance and flexibility. They also explain the benefits of an irrevocable trust, including tax advantages and creditor protection. They emphasize the importance of regularly reviewing and updating estate plans. Takeaways ...2024-08-2618 min

Beer & MoneyEpisode 258 - The Location And Liquidity Of Your Wealth Can Be Just As Important As The AmountIn this episode, Ryan Burklo and Alex Collins discuss the factors that impact financial success, focusing on the location and liquidity of wealth. They explain that most people have two buckets of money: savings and retirement accounts. However, they emphasize the importance of having a midterm bucket, which provides liquidity and flexibility for life events and goals. They discuss the characteristics of each bucket and the need for balance and tax efficiency. They also introduce the concept of true liquidity, which involves having money in a separate account that is not correlated with the market. They provide examples and...2024-07-1531 min

Beer & MoneyEpisode 257 - The Impact of the Amount of Wealth on Financial SuccessIn this episode, Ryan Burklo and Alex Collins discuss the five factors that impact financial success. They focus on the first factor, which is the amount of wealth. While many people believe that the size of their assets is the most important factor, the hosts argue that it is actually one of the smallest factors when it comes to the efficiency of assets. They provide an example to illustrate this point, showing that the rate of return and distribution method have a greater impact on income in retirement. The hosts emphasize the importance of considering all five factors and...2024-07-0819 min

Beer & MoneyEpisode 256 - Would More Cash On Hand Get You More Return?In this episode, Ryan Burklo and Alex Collins discuss risk and volatility in investment portfolios. They emphasize the importance of investing for future income and the need to get the allocation and risk profile right. They explore the concept of volatility and how it relates to the movement of money in investment accounts. They also discuss the traditional two-legged stool model of investing in stocks and bonds, and the need to bring back a three-legged stool model that includes cash. They highlight the flexibility and choice that cash provides in managing unexpected expenses and investment opportunities. The episode concludes...2024-07-0120 min

Beer & MoneyEpisode 255 - What Is The Real Rate Of Return You Are Getting?In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net Takeaways Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation erodes the...2024-06-2416 min

Beer & MoneyEpisode 253 - How Will You Be Taxed in Retirement?In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. Takeaways Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation erodes the purchasing power of money, making it essential to combat inflation through strategic asset allocation. Balance sheet allocation...2024-06-1020 min

Beer & MoneyEpisode 250 - What Is Your Net After Tax Return?In this episode, Ryan Burklo and Alex Collins discuss the taxation component of net after-tax rate of return. They emphasize the importance of understanding the impact of taxes on investment returns over a long period of time. They use a visual representation to show the difference between gross and net growth of an investment portfolio after taxes. They highlight the significant impact that taxes can have on the final value of assets and the importance of considering taxation when making investment decisions. They also tease the next episode, where they will discuss strategies to increase cash flow in retirement...2024-05-2017 min

Beer & MoneyEpisode 248 - The Importance of Efficient Choices for Future FlexibilityIn this episode, Ryan Burklo and Alex Collins discuss the challenge of turning variable assets into a consistent income stream in retirement. They emphasize the importance of making efficient choices today to set oneself up for flexibility in the future. They explore the concept of promised-based assets, such as Social Security and pensions, which provide a steady income stream, and compare them to market-based assets, like stocks and bonds, which can be more volatile. They also discuss the risks of relying solely on market-based assets and the benefits of incorporating promised-based assets into one's retirement plan. The conversation highlights...2024-05-0629 min

Beer & MoneyEpisode 247 - The Importance Of Expanding Financial Knowledge Beyond Personal ExperiencesIn this episode, Ryan Burklo and Alex Collins discuss the importance of expanding financial knowledge beyond personal experiences. They highlight the influence of personal experiences on financial decision-making and the need to seek advice from professionals with broader expertise. The conversation emphasizes the significance of continuous learning and staying curious to challenge and update existing beliefs. They also stress the importance of looking at the entire financial picture and avoiding silo decision-making. The three main takeaways are: 1) Work with someone who has extensive financial knowledge and experience, 2) Continually learn and stay curious, and 3) Consider the entire financial picture and a...2024-04-2923 min

Beer & MoneyEpisode 243 - What Are Alternative Investments And Should I Own Them?In this episode, Ryan Burklo and Alex Collins discuss alternative investments and whether or not they are suitable for individual investors. They define alternative investments as those that do not fall into traditional categories like stocks, bonds, and cash. The hosts explain the concepts of correlation and standard deviation and how they relate to risk and diversification. They emphasize the importance of having a solid financial foundation, including an emergency fund, income protection, and liquidity, before considering alternative investments. The episode concludes with a reminder to prioritize balance sheet management before making investment choices. To learn more...2024-04-0127 min

Beer & MoneyEpisode 240 - What 3 Metrics You Should Use To Inspect How Financially Healthy You AreIn this episode, Ryan Burklo and Alex Collins discuss the metrics for analyzing financial health. They introduce the concept of top line being vanity, bottom line being sanity, and cash flow being reality. They emphasize the importance of measuring free cash flow, liquidity, and income protection to determine financial security. The hosts also challenge the traditional focus on rate of return as a metric and highlight the significance of control in financial decision-making. The episode concludes with a question for listeners to reflect on their own financial health metrics. If you would like to learn more about...2024-03-1131 min

Beer & MoneyEpisode 239 - The Best Way To Be Your BestIn this episode, Ryan Burklo and Alex Collins discuss the importance of knowing who you don't want to be in order to become the person you want to be. They explore the default path that many people follow and the need to break free from societal expectations. The conversation delves into the definition of success and the trap of focusing too much on money. They emphasize the importance of reevaluating goals and creating lasting memories with loved ones. The episode concludes with a question for listeners to consider and an invitation to reach out with their thoughts and topics...2024-03-0426 min

Beer & MoneyEpisode 238 - What Is A Good Tool To Track Your Finances?In this episode, Ryan Burklo and Alex Collins discuss the importance of tracking cash flow and steps to attain financial goals. They emphasize the need to understand abstract goals and how expenses play a role in achieving them. The hosts also highlight the use of technology in tracking expenses and recommend the Living Balance Sheet app. They discuss the importance of intentional decision-making when it comes to saving and investing money. Finally, they touch on the significance of protecting income, maintaining liquidity, and living debt-free. If you would like to learn more about Quantified Financial Partners, please...2024-02-2621 min

Beer & MoneyEpisode 237 - Do You Have Fixed Rate Handcuffs?In this episode, Ryan Burklo and Alex Collins discuss the impact of fixed interest rates on financial decisions. They explore how low interest rates can make people feel trapped in their current situations, whether it's buying a new home or making big purchases like cars. The hosts provide three solutions for homeowners, including renting, buying down the interest rate, or managing cashflow. They also discuss the importance of looking at the bigger picture when it comes to interest rates and financial moves. Finally, they emphasize the need to focus on long-term goals and not get caught up in short-term...2024-02-2026 min

Beer & MoneyEpisode 235 - Cash Flow ConceptsSummary In this episode, Ryan Burklo and Alex Collins discuss the number one problem for most people with their personal finances: cash flow. They explore the default cash flow management system that most people use, where income goes directly into a checking account and expenses are paid from there. They highlight the importance of interrupting the spending circuit and building a reserve to cover one-time expenses. They also discuss the power of saving rates and how incremental changes and systematic savings can lead to significant wealth accumulation over time. If you would like to learn...2024-01-2920 min

Beer & MoneyEpisode 233 - Another Tax Efficient Distribution MethodSummary In this episode, Ryan Burklo and Alex Collins continue their discussion on turning assets into income in retirement. They emphasize the importance of understanding this process early on, even if retirement is still far away. The conversation covers various tax reduction strategies, including the use of investment dollars and annuitization of assets. They also highlight the need for balance and flexibility in retirement planning, as well as the limitations and considerations of different strategies. The episode concludes with a discussion on the 4% rule and the importance of understanding the difference between distribution rate and rate of...2024-01-1620 min

Beer & MoneyEpisode 232 - Tax Efficient DistributionIn this episode, Ryan Burklo and Alex Collins discuss how money is taxed in retirement. They emphasize the importance of considering both current and future taxation when making financial plans. They provide a historical overview of federal income tax brackets and highlight the impact of major events on tax rates. The hosts also explain the difference between marginal and effective tax rates. They introduce the concept of the amortization of an asset strategy and compare the outcomes of interest-only and principal-and-interest approaches. The episode concludes with key takeaways and a question for listeners to consider. The beer...2024-01-0832 min

Beer & MoneyEpisode 231 - How Much True Liquidity Do You Have?Summary In this episode, Ryan Burklo and Alex Collins discuss the concept of true liquidity and its importance in retirement planning. They explain that true liquidity goes beyond cash reserves and savings, and involves considering what assets will be accessible and how to turn them into income during retirement. They highlight the risks of relying solely on market-based assets for income in retirement and the potential for compounding losses. The hosts introduce the concept of true liquidity as a way to mitigate these risks by having a separate bucket of money that is not correlated with the...2024-01-0224 min

Beer & MoneyEpisode 230 - What Is Your Investment Philosophy?Summary In this episode, Ryan Burklo and Alex Collins discuss investment philosophy and the different approaches to investing. They cover three main styles: active management, passive management, and structured management. They also touch on the importance of investment structure and aligning investments with personal values. The hosts emphasize the need for a balanced approach to investing and setting up a solid financial foundation. Takeaways Understanding your investment philosophy is crucial for making informed investment decisions. Active management involves hiring an asset manager to make investment decisions based on market analysis. Passive...2023-12-2730 min

Beer & MoneyEpisode 207 - Alex Interviews Nick DominoIn this episode, Alex Collins interviews Nick Domino, an Investment Advisor at Park Avenue Securities. He and Alex discuss 401Ks. The beer of the day is 3 Fonteinen Belgian Beer. If you would like to learn more about this beer, please visit their website https://www.3fonteinen.be/en/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net 2023-07-1730 min

Holistic FinanceEpisode 124 - Why You Should Listen to This Podcast?In this week's podcast, Ryan and Alex discuss why they started this podcast. They have both had personal histories with Naturopathic medicine and attribute it to helping themselves and their families overcome health adversities. If you would like to learn more about Quantified Financial Partners and how Ryan and Alex work with Naturopathic Physicians, please visit our website www.holistic-finance.com 2022-01-0213 min

Holistic FinanceEpisode 123 - What is the 4 Percent Rule?In this week's episode, Ryan and Alex discuss what the 4 percent rule is and what it means for your retirement goals. Do you know what the 4 percent rule is? If you would like to learn more about Quantified Financial Partners and how they work with Naturopathic Physicians or if you would like to reach out to Alex and Ryan, please visit our website www.holistic-finance.com 2021-12-2611 min

Holistic FinanceEpisode 114 - Top 3 Financial Concepts to LearnIn this week's podcast, Ryan and Alex discuss the top three financial concepts that Naturopathic physicians should learn to make their practices successful. We would also like to know what you are learning from this podcast or what you would like to hear in future podcasts. Please visit our website www.holistic-finance.com where you can schedule an appointment with Ryan or Alex or you can learn more about Quantified Financial Partners. 2021-10-1722 min

Holistic FinanceEpisode 113 - Do You Really Need Liquidity?In this week's podcast, Ryan and Alex discuss liquidity. Do you need liquidity and if so how much? Do you know how to get liquidity in your finances? If you would like to learn more about Quantified Financial Partners or make an appointment to speak with Ryan or Alex, please visit our website www.holistic-finance.com 2021-10-1016 min

Holistic FinanceEpisode 111 - How to Leverage Your AssetsIn this week's episode, Ryan and Alex discuss how to leverage the assets you already have to make the most of your finances for yourself and your practice. If you have any questions about this podcast or Quantified Financial Partners or would like to reach out to Alex or Ryan, please visit our website, www.holistic-finance.com 2021-09-2614 min

Holistic FinanceEpisode 110 - 4 Steps to Truly do a Financial ComparisonIn this week's podcast, Ryan and Alex discuss the 4 steps you should take to do a financial comparison to see if you are on the right track for your Naturopathic practice. If you have any questions about this episode or want to reach out to Alex or Ryan or learn more about Quantified Financial Partners and our work with the Naturopath community, please visit our website www.holistic-finance.com 2021-09-1915 min

Holistic FinanceEpisode 108 - Accelerate Your PracticeIn this week's episode, Ryan and Alex discuss their upcoming webinar series for Naturopathic Physicians titled Accelerate Your Practice: A Master Class. If you would like to learn more about this series, attend the introductory webinar on September 7th. Click Here to Register If you cannot attend, but would like to learn more, please visit our website www.holistic-finance.com where you can schedule an appointment to talk to Ryan or Alex. 2021-08-2908 min

Holistic FinanceEpisode 107 - 3 Unconventional Steps to Building Your PracticeIn this episode, Ryan and Alex break down the 3 steps they think will help build your practice and they are probably not things you would think of. If you have any questions for Alex or Ryan or would like to learn more about Quantified Financial Partners, please visit our website www.holistic-finance.com 2021-08-2214 min

Holistic FinanceEpisode 106 - How Much Life Insurance do You Need?In this week's episode, Ryan and Alex break down the importance of life insurance, understanding why you need it and how much you will need for your family. If you have any questions for Ryan or Alex or want to learn more about Quantified Financial Partners, please visit our website www.holistic-finance.com 2021-08-1526 min

Holistic FinanceEpisode 104 - How to Calculate How Much You Will Need in RetirementIn this week's episode, Ryan and Alex discuss how to calculate how much money you will need to retire. If you have any questions about this episode or would like to reach out to Alex or Ryan or learn more about Quantified Financial Partners, please visit our website www.holistic-finance.com 2021-08-0117 min

Holistic FinanceEpisode 100 - What fees are you paying inside your investments?In this week's podcast, Ryan and Alex discuss the fees inside your investments. Where do they come from and why are you paying them? If you have any questions about this episode or want to speak with Alex or Ryan or learn more about Quantified Financial Partners, please visit our website www.holistic-finance.com.2021-07-0516 min

Holistic FinanceEpisode 99 - Where does rate of return come from?In this episode, Ryan and Alex discuss where rate of return comes from. This is the third episode discussing the basics of investing. If you have not listened to the previous two episodes, do that now. If you have any questions for Alex or Ryan or would like to schedule an appointment or just learn more about us, please visit our website www.holistic-finance.com 2021-06-2722 min

Holistic FinanceEpisode 98 - Rules of InvestingIn last week's episode, Ryan and Alex introduced you to investing. This week they follow it up with the rules of investing. Do you know what the rules are? Are you following them? If you have any questions for us or would like to reach out to Alex or Ryan, please visit our website www.holistic-finance.com where you can schedule an appointment or learn more about Quantified Financial Partners. 2021-06-2023 min

Holistic FinanceEpisode 95 - Which Retirement Plan is Right for You?In this week's podcast, Ryan and Alex discuss which retirement plan makes the most sense for you. Do you already have an IRA, Roth IRA or a 401K? Do you know which one you should have? If you have any questions about this episode or would like to reach out to Alex or Ryan or just learn more about us, visit our website www.Holistic-Finance.com to schedule an appointment or answer the question of the day. 2021-05-3015 min

Holistic FinanceEpisode 94 - What is the Time Value of Money?What is the time value of money? How do you determine if the money you are spending on your practice is worth it? In this week's episode, Ryan and Alex discuss the time value of your money and the finances of your practice. If you have any questions about this episode or would like to reach out to Alex or Ryan, please visit our website www.holistic-finance.com where you can make an appointment or answer the question of the day. 2021-05-2317 min

Holistic FinanceEpisode 93 - What is Your View of Money?What is your view of money? How do you look at your finances and financial goals? In this episode, Ryan and Alex discuss how to look at your money and change your view. If you would like to reach out to Alex or Ryan to make an appointment or just learn more about Quantified Financial Partners, visit our website www.holistic-finance.com 2021-05-1620 min

Holistic FinanceEpisode 91 - When Will Financial Education be a Priority?In this podcast, Ryan and Alex discuss how to make financial education a priority and not make decisions about your money without doing research. If you have any questions about this episode or would like to reach out to Alex or Ryan, please visit our website www.Holistic-Finance.com to learn more about us.2021-05-0211 min

Holistic FinanceEpisode 90 - Why You Should Have Long Term Disability InsuranceIn this episode, Ryan and Alex discuss the importance of having long term disability insurance to protect your investment as a Naturopathic Physician. Do you know what long term disability insurance is? Do you think it is too expensive? Listen to this podcast to learn more. If you would like to reach out to Alex or Ryan or make an appointment to discuss your finances, visit our website www.Holistic-Finance.com or email us as QFPTeam@Quantifiedwa.com 2021-04-2515 min

Holistic FinanceEpisode 89 - Stop One Day'ing YourselfIn this week's episode, Ryan and Alex discuss how we all put off things for another day instead of following through with goals and dreams that we want to accomplish. Are there things in your life you are putting off for another day? If you have questions about this podcast or want to reach out to Alex or Ryan, please visit our website, www.holistic-finance.com where you can schedule an appointment or find articles and other podcasts specifically for Naturopaths. 2021-04-1811 min

Holistic FinanceEpisode 88 - 3 Things Financially That I Wish I Had Known Earlier in My CareerIn this week's podcast, Ryan and Alex discuss financial topics that they wish they had known earlier in their career. Learn from their knowledge in order to avoid some of this same mistakes. If you have any questions about this episode or if you would like to reach out to Alex or Ryan and schedule an appointment, or if you just want to learn more about us, please visit our website www.holistic-finance.com 2021-04-1123 min

Holistic FinanceEpisode 87 - Do You Look at Your Money Backwards?In this week's episode, Ryan and Alex discuss how most Americans look at their money. Do you know where to put your money and why? How do you look at your finances? If you have questions about this podcast or want to reach out to Alex or Ryan, visit our website, www.holistic-finance.com where you can learn more about us or schedule an appointment. 2021-04-0516 min

Holistic FinanceEpisode 86 - How Much Life Insurance do You Need?Do you have a life insurance policy? If so, when was the last time that you looked at the policy? In this week's episode, Ryan and Alex discuss life insurance and its many benefits. If you have not taken a look at your life insurance lately, this is a great episode for you. If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.holistic-finance.com to schedule an appointment or find more articles and podcast episodes. 2021-03-2822 min

Holistic FinanceEpisode 83 - Protect These 3 Pieces of Your PracticeIn this week's podcast, Ryan and Alex discuss how to protect your naturopathic practice and which pieces of your business are the most important. If you have questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.holistic-finance.com where you can schedule an appointment or learn more about us. 2021-03-0720 min

Holistic FinanceEpisode 82 - What is your compensation structure for your doctorsHow are you paying the other doctors in your practice? Are they real employees or just renting a room? If you have questions about how to structure your practice or your finances, reach out to Alex or Ryan by scheduling an appointment today. If you would like to learn more about us or to speak to Alex or Ryan, visit our website www.holistic-finance.com where you can read articles specific to naturopathic physicians and find more resources. 2021-02-2819 min

Holistic FinanceEpisode 81 - Not All Debt is Bad DebtIn this week's podcast, Ryan and Alex discuss the three types of debt and how to leverage them. Not all debt is bad debt and most all of us have some, so how do we deal with this issue. If you have questions or would like to speak with Alex or Ryan, please visit our website www.holistic-finance.com where you can schedule an appointment, answer the question of the day or learn more about us 2021-02-2114 min

Holistic FinanceEpisode 79 - Know Your NumbersIn this week's Holistic Finance podcast, Ryan and Alex discuss knowing your numbers. Do you know how much it takes to run your practice, what each patient costs or how much money it will take you to run your business for the next year? If you have any questions about your number, schedule an appointment with Alex or Ryan today by visiting our website www.holistic-finance.com If you want to know your numbers in 2021, let us help you. 2021-02-0718 min

Holistic FinanceEpisode 78 - What Generational Experience Have You Had with Money?In this episode of Holistic Finance, Ryan and Alex discuss America's historical experience with money. What are your generational experiences with money and how has your families' beliefs about finance made you think about your money? If you have any questions about this podcast or would like to reach out to Alex or Ryan about your finances in 2021, please visit our website www.holistic-finance.com where you can schedule an appointment, answer the question of the day or learn more about us. 2021-01-3121 min

Holistic FinanceEpisode 77 - What is the difference between a mission and a vision statement?In this week's podcast, Ryan and Alex discuss the difference between a vision and a mission statement? Do you know the difference? Do you have a mission and a vision statement for your practice or your life? If you would like to reach out to Alex or Ryan or schedule an appointment with them, please visit our website www.holistic-finance.com to find out how to get in touch with us in 2021.2021-01-2420 min

Holistic FinanceEpisode 76 - You Never ArriveIn this week's podcast, Ryan and Alex discuss the problems you are trying to solve and the goals you are trying to achieve. Once you accomplish the thing in your life you have set before you, then there will be something else, so you never really arrive because you will always have another goal. If you have any questions about this podcast or if you would like to reach out to Alex or Ryan, please visit our website at www.holistic-finance.com where you can schedule an appointment or answer the question of the day. 2021-01-1714 min

Holistic FinanceEpisode 75 - Dr. Kelsey Klausmeyer InterviewIn this week's podcast, Ryan interviews Dr. Kelsey Klausmeyer of the Institute of Complementary Medicine in Seattle, Washington. He is also the current president of the Washington Association of Naturopathic Physicians. To learn more about Dr. Klausmeyer, visit his website https://icmedicine.com If you would like more information about the WANP, please visit their website https://wanp.org If you would like to learn more about us or have questions for Ryan or Alex, please visit our website www.holistic-finance.com 2021-01-1027 min

Holistic FinanceEpisode 74 - 3 Steps for a Simple Financial Plan in 2021Do you have a financial plan for 2021? In this week's episode, Ryan and Alex discuss how to simplify your finances this year while setting goals you can achieve. If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.holistic-finance.com where you can learn more about us or schedule a free initial appointment.2021-01-0319 min

Holistic FinanceEpisode 73 - Can merging practices bring value?In this episode, Ryan and Alex discuss merging practices. Have you ever thought about merging your practice with another naturopathic physician? What are your fears in taking this next step? If you have any questions about this podcast or want to reach out and schedule an appointment with Alex or Ryan, please visit our website www.holistic-finance.com 2020-12-2717 min

Holistic FinanceEpisode 71 - What are you using to objectively measure where you stand financiallyIn this episode, Ryan and Alex discuss how to measure where you stand financially. Are you where you want to be or not and how do you know if you are sound in your finances today and in the future? If you have questions about this podcast or you would like to speak with Alex or Ryan to schedule an appointment, please visit our website www.holistic-finance.com 2020-12-1327 min

Holistic FinanceEpisode 70 - What's in your portfolio?In this week's podcast Alex and Ryan continue their discussion on your portfolio by digging deeper into the topic. They have many more questions for you to consider about why you are investing in and where you put your money. If you have any other questions for Alex or Ryan or would like to schedule an appointment with them, please visit our website at www.holistic-finance.com 2020-12-0631 min

Holistic FinanceEpisode 69 - What drives the return of your portfolio?In this week's podcast, Ryan and Alex continue their series on your portfolio by asking what drives it's return. If you haven't listened to the previous episodes, go back and listen to those first. If you have any questions about this podcast or want to reach out and talk to Ryan or Alex, please visit our website www.holistic-finance.com 2020-11-2921 min

Holistic FinanceEpisode 67 - What's the Difference between the Economy and the Stock Market?In this week's episode, Ryan and Alex break down the difference between the stock market and the economy and why some people think they are the same thing. If you have any questions about this podcast or would like to reach out and talk to Ryan or Alex, please visit our website at www.holistic-finance.com where you can schedule an appointment and learn more about how we interact with the Naturopath community. 2020-11-1523 min

Holistic FinanceEpisode 66 - What are you comparing your portfolio to?In this week's podcast, Ryan and Alex ask what you are comparing your portfolio against. Is it the S&P 500 Index or the Dow Jones Industrial? Do you know why you are invested in what you are currently invested in? If you have any questions or would like to talk to Alex or Ryan or schedule an appointment with them, please visit our website www.holistic-finance.com 2020-11-0821 min

Holistic FinanceEpisode 65 - What's Your Plan for Debt?In this episode, Ryan and Alex discuss debt and your plan for tackling debt. Do you have a plan and if you do, are you disciplined in staying on top of the debt? If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.holistic-finance.com where you can learn more about us or schedule an appointment. 2020-11-0121 min

Holistic FinanceEpisode 64 Your job as a business owner is to make yourself replaceableIn this week's episode, Ryan and Alex discuss the importance of making yourself replaceable as a practice owner, for yourself and your patients. If you have any questions about this podcast or would like to reach out to Alex or Ryan or make an appointment, please visit our website www.holistic-finance.com 2020-10-2527 min

Holistic FinanceEpisode 63 - How to Separate Personal from Business FinancesDo you know how to separate your personal from your business finances? In this week's episode, Ryan and Alex discuss the ways to organize your finances and the importance of keeping them apart. If you have any questions about this podcast or would like to reach out to Alex or Ryan, please visit our website at www.holistic-finance.com to schedule an appointment. 2020-10-1821 min

Holistic FinanceEpisode 62 - Strategies for College PlanningIn this week's podcast, Ryan and Alex wrap up their discussion on ways to pay for your child's college. This episode revolves around the different strategies Alex and Ryan have used with their clients. If you would like to learn more about us or want to reach out and schedule an appointment, please visit our website at www.holistic-finance.com or if you want to learn more about college planning, go to our website on this topic www.quantifiedfinancial.com/college-planning where you can find more podcasts and articles on how to pay for college. 2020-10-1117 min

Holistic FinanceEpisode 61 - Funding Vehicles for College PlanningIn this podcast episode, Ryan and Alex continue their discussion on college planning with the different ways you can save and pay for your child's college. If you did not listen to last week's podcast, go do that now. We have set up a website for college planning at www.quantifiedfinancial.com/college-planning where you can find more podcast and articles. If you want to reach out to Alex or Ryan, you can make an appointment there or learn more about Holistic Finance at our website www.holistic-finance.com 2020-10-0420 min

Holistic FinanceEpisode 61 - 3 Things More Important than a 529 PlanIn this week's podcast, Ryan and Alex discuss what you should do before putting money away for your child's college. Have you thought about saving for college? Before you start that 529 plan, listen to this podcast and make sure you have done these 3 things first. If you would like to contact Ryan or Alex or have questions about college planning, please visit our website at www.holistic-finance.com where you can make an appointment or email us. 2020-09-2712 min

Holistic FinanceEpisode 59 - 5 Layers of SuccessIn this week's episode of Holistic Finance, Ryan and Alex discuss the 5 Layers of Success to help you in your naturopathic practice. If you have any questions on this podcast or want to reach out to us at Quantified Financial Partners, please visit our website www.holistic-finance.com where you can send us an email or make an appointment with Alex or Ryan. 2020-09-1334 min

Holistic FinanceEpisode 57 - Long Term Disability Insurance and How it WorksWhat would happen if you woke up tomorrow and could not go to work because of an illness or injury? Do you have long term disability insurance and do you know how it works? In this podcast episode, Ryan and Alex discuss what long term disability insurance is and how it works to protect your income. If you have any questions for Alex or Ryan or would like to reach out and make an appointment, please visit our website www.holistic-finance.com 2020-08-3020 min

Holistic FinanceEpisode 56 - Should I Refinance to Take Advantage of Lower Interest Rates?Should you refinance with interest rates at an all time low? In this week's podcast, Ryan and Alex discuss this important topic. If you have any questions about us or want to learn more, please visit our website at www.holistic-finance.com You can schedule an appointment with Ryan or Alex or find links to our social media pages. 2020-08-2317 min

Holistic FinanceEpisode 54 - How to retain your best employeesIn this week's podcast, Ryan and Alex discuss how to keep those key employees in your practice that have become an integral part of your success. If you have any questions for Alex or Ryan or want to reach out and make an appointment, please visit our website at www.holistic-finance.com 2020-08-1620 min

Holistic FinanceEpisode 52 - When to set up a 401k, Simple IRA or Personal IRADo you know the difference between a 401K, Simple or Personal IRA or why you should choose one? In this week's podcast, Ryan and Alex discuss each one and why you should choose one over the other. If you have any questions about this episode or want to reach out to Alex or Ryan or just learn more about Quantified Financial Partners, please visit our website at www.holistic-finance.com to schedule an appointment.2020-08-0219 min

Holistic FinanceEpisode 50 - Why Hire a Financial Advisor?If you have ever wondered why you should hire a financial advisor, in this week's episode, Ryan and Alex explain what value they can bring to your practice. If you have any questions about this episode or if you want to speak with Alex or Ryan, please visit our website at www.holistic-finance.com where you can learn more about us or schedule an appointment. 2020-07-1920 min

Holistic FinanceEpisode 49 - 3 Steps to Build Your PracticeIn this week's podcast, Ryan and Alex discuss the steps that they have taken to build their financial advising practice and how it can relate and help Naturopaths build their practice. If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.Holistic-Finance.com to schedule an appointment or learn more about us. 2020-07-1224 min

Holistic FinanceEpisode 48 - What is a marketing plan?In today's episode, Ryan and Alex are helping you figure out what a marketing plan is and how it will be helpful for your practice. Do you have a marketing plan? Do you know how to implement it to boost your practice? If you want to learn more about Ryan and Alex or want to listen to more episodes, visit our website www.holistic-finance.com where you can schedule an appointment or subscribe to our podcast. 2020-07-0527 min

Holistic FinanceEpisode 47 - Who is your financial quarterback?In this week's podcast, Ryan and Alex discuss who your financial quarterback is. Do you have someone in your life that helps you make decisions about your finances or who seems to know everything there is to know about taxes and retirement? Having someone who is knowledgeable and can help you navigate these topics is important. If you want to learn more about Alex and Ryan or about this podcast, please visit our website www.holistic-finance.com 2020-06-2821 min

Holistic FinanceEpisode 45 - Do you have balance across your assets?In this week's episode, Ryan and Alex continue their discussion on having an integrative approach to your finances. This week they go a deeper and discuss having balance across your assets. If you have any questions about this podcast or want to have a conversation with Alex or Ryan, please visit our website where you will find articles and more podcasts created especially for naturopathic physicians www.holistic-finance.com 2020-06-1424 min

Holistic FinanceEpisode 44 - Integrative Approach to Your FinancesIn this week's podcast, Ryan and Alex discuss an integrative approach to your finances. Just like in your practice, you have to look at the pieces of your financial picture to see everything clearly. By looking at the protection, assets, liabilities and cash flow, you can see what your total financial life looks like. If you have any questions for Alex or Ryan or want to reach out to us, please visit our website www.holistic-finance.net 2020-06-0729 min

Holistic FinanceEpisode 43 - Art of People - Interview with Best Selling Author Dave KerpenIn this week's episode, Ryan interviews Dave Kerpen, best-selling author of the book The Art of People: 11 Simple People Skills That Will Get You Everything You Want. He is also a key note speaker and the founder and Chairman of Likeable Media, an award-winning social media and word-of-mouth marketing agency for big brands. If you would like to learn more about Dave, visit his website www.davekerpen.com and if you would like to purchase his best selling book, visit Amazon.com. If you would like to speak with Ryan or Alex, visit our website, www.holistic-finance.com 2020-05-3129 min

Holistic FinanceEpisode 41 - What's Your Exit Strategy?In this week's podcast, Ryan and Alex discuss your exit strategy. Do you have a plan in place for when you retire from your practice? The value of the business that you have built, who you plan to have takeover the business when you leave and the patients that have trusted you over the years are just a few things you need to consider when planning your exit strategy. If you have questions about this podcast or want to get in touch with Alex or Ryan, visit our website at www.holistic-finance.com 2020-05-1728 min

Holistic FinanceEpisode 40 - Personal Disaster PlanningIn this week's episode, Ryan and Alex discuss the importance of having your personal finances in order. It is difficult to focus on your practice, when you are having personal financial issues. If you have any questions about this podcast or want to reach out to Alex or Ryan to discuss this topic or any of the other topics they have covered, visit our website at www.holistic-finance.com 2020-05-1031 min

Holistic FinanceEpisode 36 - What type of practice are you building?In this week's podcast, Ryan and Alex discuss the two different types of practice's that most Naturopathic doctors are building. Do you know if you are building a lifestyle or an enterprise practice? After listening to this episode, you will know the difference and why each one has it's own advantages. If you would like to reach out about this episode or have questions for Alex or Ryan, please visit our website www.holistic-finance.com 2020-04-1228 min

Holistic FinanceEpisode 35 - Finances, an ounce of prevention vs a pound of cureIn this week's podcast, Ryan and Alex discuss finances and how just like physical ailments, it is better to treat the underlying cause of the problem than to just fix the symptoms. If you have questions about this podcast or want to reach out to Alex or Ryan, please visit our website at www.holistic-finance.net 2020-04-0525 min

Holistic FinanceEpisode 34 - Which is more important personal or business financial planningIn this week's episode, Ryan and Alex discuss how important it is to plan both the personal and business side of your financial planning. Most people think of one or the other, but both are just as important for your future goals. If you have any questions about this podcast or want to reach out to Alex or Ryan, visit www.holistic-finance.com 2020-03-2219 min

Holistic FinanceEpisode 33 - Attracting and Retaining Key EmployeesIn this week's podcast, Ryan and Alex discuss how to attract and retain your key employees. These employees can help increase the revenue in your business, help keep things running in your absence and be the one you will leave your practice to when you retire. If you have any questions about this podcast or want to reach out to Alex or Ryan, visit www.holistic-finance.com and find ways to contact them or answer the question of the day. 2020-03-1523 min

Holistic FinanceEpisode 31 - 3 common valuation methods and why you should careIn this week's podcast, Ryan and Alex discuss how to value your practice. A taboo topic for some in the naturopath world, is talking about how much money your practice is worth, but Ryan and Alex talk about how important it is to know. If you have questions or thoughts about the podcast, visit us at www.holistic-finance.com and let us know. You will also find ways to contact Ryan and Alex about setting up an appointment there. 2020-03-0121 min

Holistic FinanceEpisode 28 - 7 Biggest Financial Mistakes Part 2This is the second part in a two part episode where Ryan and Alex break down the top 7 financial mistakes many of their clients have told them they have made. If you haven't listened to episode 27 yet, go back and listen to that one first. This episode covers the last 3 mistakes. Ryan and Alex also wrote a booklet on these 7 financial mistakes and you can get a copy of this booklet by clicking HERE or by going to our website and scrolling down on the homepage, www.QuantifiedFinancial.com 2020-02-0918 min

Holistic FinanceEpisode 21 - How to prioritize your moneyIn this weeks podcast, Alex and Ryan discuss where to put your money. As the cash flow starts to com in and your practice is growing, you may start to wonder, where do I put my money? Alex and Ryan help you tackle those priorities and decide what is the most important. 2019-12-2228 min

Holistic FinanceEpisode 001 - Introduction to Holistic Finance PodcastIntroduction to Holistic Finance Podcast, a podcast for Naturopathic Physicians focusing on building wealth and simplifying your finances. Your hosts Ryan Burklo and Alex Collins are financial advisors based in Seattle, Washington.2019-08-1414 min