Retirement Inside Out with Tom Lamendola

This episode, Tom sits down with Kevin O’Leary- entrepreneur, investor, and of course, “Mr. Wonderful” from Shark Tank. The conversation covers everything from tariffs and the ripple effects on global markets to the powerful role artificial intelligence is playing in reshaping supply chains and boosting productivity. Kevin also shares timeless lessons on diversification, drawing inspiration from his mother’s disciplined investing approach, and why preservation of capital- not performance- is the ultimate measure of a great advisor. Along the way, he opens up about his Shark Tank investments, the unpredictability of venture capital, and surprising asset classes gaining traction, like fine watches and collectible sports cards. Kevin even gives a glimpse into how tokenization and stablecoins could transform financial transactions. Here’s some of what we discuss in this episode: 📊 Kevin’s take on tariffs and global markets 💡 The #1 mandate of top advisors: preserve capital 🔀 Kevin’s personal rules for diversification (inspired by his mother) 💼 Lessons from Shark Tank and venture investing ⌚ Alternative assets like fine watches and collectible sports cards Learn About FIG: https://www.figmarketing.com 800-527-1155

Cybercrime isn’t just a distant threat- it’s here, it’s growing, and it’s targeting everything from global infrastructure to small-town churches. In this episode, former military intelligence officer and cybersecurity expert Rob Hegedus joins the conversation to reveal how cyberattacks have become an industrialized, global business projected to cost $10.5 trillion by 2025. Rob explains why ransomware has become a top money-maker for hackers, why small and mid-sized businesses are now prime targets, and how most people underestimate just how quickly threats reach their devices- sometimes within seconds. He also introduces Cyber Simple, a new solution designed to give everyday families and business owners the same kind of protection once reserved for government agencies. If you’ve ever assumed cyber threats are only a “big company problem,” this conversation will open your eyes to the real risks and the simple steps you can take to stay ahead. Here’s some of what we discuss in this episode: 💻 Cybercrime could reach $10.5 trillion by 2025 🏢 Even small businesses, churches, and schools are now targets ⏱️ New devices are pinged by malicious bots within 8 seconds 🔒 Ransomware remains one of the most effective tactics for hackers 🛡️ Cyber Simple makes top-tier protection easy for everyone Resources for this episode: CISO Global: https://www.ciso.inc/ Learn About FIG: https://www.figmarketing.com 800-527-1155

This episode, Ken Schmidt- former Director of Communications at Harley-Davidson and the brand architect behind its iconic resurgence- joins Nicholas Ross to talk about what it really takes to stand out in a crowded, noisy market. Ken played a key role in Harley’s turnaround from financial ruin and he shares what the company got wrong, what they did to fix it, and why many businesses fail to differentiate meaningfully. What does any of this have to do with financial services? Everything. Ken breaks down how financial advisors (especially those running smaller, independent firms) can rise above the noise not by focusing on what they do, but by getting clear on who they are and how they make people feel. From creating meaningful client experiences to building a reputation people talk about, his message is clear: if you want to stand out, don’t just sell a service. Create a story worth sharing. Here’s some of what we discuss in this episode: 💡 Why “what you do” isn’t a differentiator 🧠 The power of human connection in branding 🧍‍♂️ How to make your service memorable, not just functional 📢 Why your clients should be telling stories about you 🏍️ What financial advisors can learn from Harley-Davidson's turnaround Resources for this episode: Learn more about Ken: https://kenspeaks.com/ VSA Partners: https://www.vsapartners.com/ Learn About FIG: https://www.figmarketing.com 800-527-1155

Theresa Payton isn’t just a leading expert in cybersecurity and AI; she was the first female CIO at the White House and is now CEO of Fortalice Solutions. In this episode, she joins Tom for a conversation about digital manipulation, cybersecurity threats, ethical tech, and the second edition of her book, Manipulated. From deepfakes to credential stuffing, Theresa explains how fraudsters are getting smarter, faster, and more global, and why small businesses are squarely in the crosshairs. She also walks through why clients today (and especially the next generation) care deeply about privacy, data ethics, and digital transparency. For advisors focused on generational wealth and future-proofing their practice, Theresa makes a compelling case that cybersecurity is no longer optional; it’s a key pillar of trust. Plus, hear what she says about AI “washing,” how businesses can protect themselves without spending a dime, and why now is the time to demand more accountability from Big Tech. Here’s some of what we discuss in this episode: 💻 How algorithms manipulate behavior 🌍 The evolving global cybercrime landscape and what it means for small businesses 📱 Why ethics, transparency, and data protection are top priorities for today’s and future clients 📣 How financial advisors can demand greater accountability and ethical practices from tech platforms 🔐 2 simple actions that block 90% of cyberattacks Resources for this episode: Learn more about Theresa Payton: https://www.theresapayton.com/about Learn About FIG: https://www.figmarketing.com 800-527-1155

In this episode, Tom is joined by Jaime Cowper, CLTC, NSSA®, founder and CEO of Unity Financial Advisors. She shares how she went from a career in banking to building a successful, holistic financial planning firm- and the key moments and strategies that made it possible. We dive into her client-first approach, how she scaled her team, and why referrals have played a strong role in her business’ success. Jaime also discusses the challenges women face in the traditionally male-dominated financial industry and how mentorship has been a vital part of her journey. Now, she’s paying it forward through customized coaching, offering guidance to next-gen advisors and female professionals navigating this field of work. Whether you’re just starting out or looking to grow your business with purpose, you’ll want to tune into this conversation with Jaime! Here’s some of what we discuss in this episode: 💼 How Jaime got into the financial industry + what pushed her to start her own firm 📈 The most successful marketing funnels for Jaime when creating her new business 🧩Jaime’s playbook for hiring, training, and scaling a team 🤝 Jaime’s mission to mentor advisors- especially women- and help them thrive in the industry Resources for this episode: Learn more about Unity Financial Advisors: https://www.unityfinancialadvisors.net/ Learn About FIG: https://www.figmarketing.com 800-527-1155

What happens when women in finance stop waiting for permission and start telling their stories? In this episode, Leslie Lipscomb, Senior Vice President at FIG, sits down with Jessica Schloemp, Director of Operations at FIG, to share the heart behind Financial Trendsetters 2, a collaborative book written by 12 women who are redefining what it means to lead in financial services. They’ll give us a behind-the-scenes look at the creation of this book, all while discussing imposter syndrome, accountability tribes, and why women’s stories must be heard, especially in male-dominated industries. This conversation is about more than a book release- it’s about vulnerability, courage, connection, and lifting others as you rise. Plus, all proceeds from the book support an awesome cause that you’ll want to hear more about! Here’s some of what we discuss in this episode: 📚 Behind the scenes of Financial Trendsetters 2 🧠 Combating imposter syndrome 🤝 What it really means to be a “trendsetter” 🎯 The power of accountability circles 🎓 Fueling the future with scholarships for women in finance Resources for this episode: Get your copy of Financial Trendsetters 2: https://shorturl.at/1qEyu Learn About FIG: https://www.figmarketing.com 800-527-1155

As the financial world evolves at lightning speed, staying ahead means embracing smarter tools- not just for efficiency, but for better outcomes. In this episode, guest host Shawn Sigler sits down with Keith Burger, Executive Vice President and Head of Institutional Channel Sales at FIG, to unpack the power of Lifecycle Manager- FIG’s proprietary, advisor-focused technology that’s transforming how annuity and insurance portfolios are managed. Keith shares how this tool consolidates complex carrier data into a single, actionable platform, making it easier for advisors to evaluate legacy contracts, uncover new opportunities, and elevate the client experience. We’ll also explore some real-life examples of how this technology can drive superior outcomes for clients. If you're an advisor looking for ways to elevate service, stay competitive, and turn disruption into opportunity, this conversation is a must! Here’s some of what we discuss in this episode: 💻 What Lifecycle Manager is and why it matters 🤝 How tech enhances, rather than replaces, human relationships 🔄 Why “refinancing retirement” matters more now than ever 📊 What’s next: AI, life insurance integration & improved UI Learn About FIG: https://www.figmarketing.com 800-527-1155

Today, Hamilton Morales, Senior ​VP and ​Social ​Security ​Strategist ​at FIG, is taking over as host to walk through some important Social Security changes taking place in 2025. He explains the newly signed Social Security Fairness Act, which eliminates the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). This change restores full Social Security benefits to millions of public sector workers who were previously penalized and even offers retroactive payments dating back to January 2024. He also covers important annual updates, including higher taxable wage bases, earnings limits for early retirees, and the new cost-of-living adjustment (COLA). Plus, he previews potential legislation that could eliminate taxes on tips, overtime, and Social Security benefits altogether, while raising important questions about how to protect Social Security’s long-term solvency. Here’s some of what we discuss in this episode: 📈 Important 2024 and 2025 Social Security changes 🏛️ What is the Social Security Fairness Act? 📉 Impact of eliminating WEP and GPO penalties 💵 Future push for no tax on tips, overtime, and benefits 🛠️ How future reforms could affect Social Security solvency Learn About FIG: https://www.figmarketing.com 800-527-1155

Today, Arron Price, COO at FIG, takes over as host and is joined by Jessica Schloemp, DOO at FIG. Jess is here to unpack what makes operations truly tick and how culture, collaboration, and self-awareness shape the way teams show up and succeed. Jess will share her experience building and leading a 34-person operations team, none of whom came from the insurance world, by focusing less on resumes and more on mindset, adaptability, and heart. From empowering team members to take ownership, to replacing meeting culture with real, solution-focused collaboration, this conversation is packed with insights for leaders looking to build more engaged and effective teams. We also unpack what it means to lead authentically, how to build true self-awareness, and why being unapologetically yourself is a value worth holding onto at every level of business. Here’s some of what we discuss in this episode: 🛠️ Building operational teams that solve problems 🧠 Why culture should be intentional, not accidental 🤝 Intentional collaboration vs. meetings: what drives real progress 👥 Embracing authenticity and self-awareness at work 🌱 Hiring for potential, not just resumes Learn About FIG: https://www.figmarketing.com 800-527-1155

It’s an exciting day on The Retirement Inside Out Podcast! Guest host Shawn Sigler, Executive VP at FIG, is taking over the mic today for a special conversation with David McKnight- best-selling author, speaker, and financial strategist. With over two decades of experience in the financial industry, David has helped countless advisors transform their approach to retirement planning through his Power of Zero program. David will share some powerful insights from his book, The Power of Zero, and discuss the inspiration behind his latest bestseller The Guru Gap. Shawn and David also dive into why financial advisors are seeing massive success with the Power of Zero marketing program. If you’re tired of cold calls, dinner seminars, or unpredictable prospecting, this system might be what you’ve been searching for! Here’s some of what we discuss in this episode: David’s background, the Power of Zero message, and partnership with FIGWhy David wrote his new book, The Guru GapThe benefits of starting a YouTube channel for financial advisorsThe success advisors are having inside the Power of Zero programNext steps if you’re interested in learning more about the Power of Zero Resources for this episode: Learn more about The Power of Zero: https://www.powerofzero.com/ David’s YouTube Channel: https://www.youtube.com/channel/UCGxUwL7NvZUyLfgO18h3e2g Learn About FIG: https://www.figmarketing.com 800-527-1155

In this episode, we’re excited to welcome Mark Gaffney, Founder and CEO of MEG (Mark Edward Gaffney), a boutique marketing firm specializing in financial professionals. With over 15 years of experience in the financial services industry, Mark has dedicated his career to helping advisors refine their marketing strategies using one key element- data. Mark shares how analyzing key metrics, diagnosing inefficiencies, and implementing structured marketing plans can drive exponential growth for financial advisors. He also breaks down the importance of having a plan, tracking performance, and making data-backed refinements to stay competitive in an evolving landscape. If you’ve ever wondered how to take a smarter, more strategic approach to marketing, this conversation is for you! Here’s some of what we discuss in this episode: The challenges some advisors are facing as they look ahead to 2025Becoming more efficient in business through technologyDedicating time to working only on your businessFinding the ideal investment in marketing for advisors in growth modeThe competitive advantage of having a marketing plan Learn About FIG: https://www.figmarketing.com 800-527-1155

It’s always a treat to have Nicholas Ross, Chief Strategy Officer at FIG, on the show! In this episode, we're diving into strategies that can help financial professionals stand out in a crowded industry and build deeper, more personalized relationships with their clients. From cutting through the noise in the financial world to leveraging data and communication effectively, Nicholas shares valuable insights on how to differentiate yourself and grow your business. Nicholas also explores the importance of truly understanding your clients' unique needs and how you can provide relevant, tailored information that adds real value. Then, we'll discuss how financial advisors can optimize their operations and step into more of a CEO role by outsourcing key business functions. Whether you're looking to enhance client relationships or optimize your firm’s day-to-day operations, this episode is packed with actionable takeaways! Here’s some of what we discuss in this episode: Navigating industry noise and prioritizing the different levels of your businessBecoming a known resource for your client through personalized communicationDifferentiating yourself from your competition through the “RID” systemOutsourcing business functions to scale and grow your business Learn About FIG: https://www.figmarketing.com 800-527-1155

We’re shaking it up here on the Retirement Inside Out Podcast! In 2025, we’re bringing you a fresh lineup of voices, featuring guest hosts from the Financial Independence Group team, along with advisors, industry experts, and business owners. But don’t worry- Tom will still be making regular appearances to share his valuable insights! To kick off the first episode of the year, we’re thrilled to welcome back the highly popular Tony Parish, CFA, CQF. As AI technology continues to evolve, its role in investment management is growing stronger. Tune in as we dive into a discussion with Tony about AI’s potential and limitations in portfolio management, the latest market trends, and exciting updates from Alphastar. Here’s some of what we discuss in this episode: AI’s role in investment management and market trendsThe bullish outlook for 2025 and the potential for market reversalsThe impact of global trade dynamics, tariffs, and immigration policies on the marketThe outlook for the jobs and housing market in 2025Updates on Alphastar’s initiatives Learn About FIG: https://www.figmarketing.com 800-527-1155

In this week’s episode, we welcome back Tony Parish, CFA, CQF, Chief Investment Officer at Alphastar Capital Management, for another insightful conversation about the U.S. economy and market trends. This episode offers an exclusive preview of our upcoming State of the Markets presentation. Stay tuned as Tony sheds light on the overarching theme for 2024: the incredible persistence and resilience of the U.S. economy and markets. Despite global challenges and inflation concerns, the U.S. economy has demonstrated unparalleled strength and recovery, which is reflected in this year’s market performance. Join us as Tony dives into the data, discusses the impact of elections on the markets, and offers insights on inflation trends. Then, at the end of the episode, he’ll also share some exciting updates from Alphastar, including their new Orion Enterprise Experience, which is launching this year. Here’s some of what we discuss in this episode: The U.S. economy's impressive resilience and strength in 2024The lack of a strong correlation between U.S. elections and market performanceCommon misconceptions surrounding inflation + managing expectations about its impact on daily expensesExciting updates and projects from Alphastar this year Learn About FIG: https://www.figmarketing.com 800-527-1155

In this episode, we’re joined by the one and only Dave Hostetler to talk about the evolving world of mergers and acquisitions (M&A) for independent financial advisors. He’s here to share the insights he's gained from talking with small business owners, highlighting current trends like friend-to-friend deals and internal succession plans becoming more popular. Join us as we discuss key factors influencing the valuation of advisory practices and provide some helpful insights for buyers and sellers preparing for successful transactions. This conversation also touches on some broader practice management topics such as team building, talent acquisition, and the importance of structured training programs for new hires. Dave talks about how process manuals and standardized procedures can boost efficiency and create a positive workplace environment. Whether you're considering selling your advisory practice, exploring growth through acquisitions, or optimizing your operational framework, this episode is one you don’t want to miss! Here’s some of what we discuss in this episode: The increasing trend of internal transactions over open market salesKey factors that can enhance a business’ valuation for potential mergers and acquisitionsThe lengthy and complex nature of M&As + ensuring a good fit in terms of values, processes, technology, and moreThe importance of training and process manuals for new staff in financial advisory practicesThe considerations and challenges of hiring associate advisors Learn About FIG: https://www.figmarketing.com 800-527-1155

As the financial services industry continues to evolve, staying ahead of the curve means engaging with the next generation of clients and advisors. Today we are joined by FIG’s Chief Strategy Officer, Nicholas Ross, to discuss the transfer of wealth to younger generations and the integration of younger clients and advisors into financial firms. One key takeaway from this discussion is the importance of understanding what wealth means to the next generation. While incorporating technology into the planning process is crucial for attracting the right talent and clients, it is equally important to understand where younger demographics spend their time and what they value. By asking the right questions, you can develop more comprehensive strategies that resonate with the next generation. Tune in to learn more! Here’s some of what we discuss in this episode: The evolution of next-gen wealth managementEngaging with the next generation + understanding their financial needsIntegrating technology seamlessly into client interactionsStrategies for attracting and retaining young talent and clients Learn About FIG: https://www.figmarketing.com 800-527-1155

For the first ever time, we’re welcoming Keith Burger onto the Retirement Inside Out podcast! He recently joined the FIG team as the Executive Vice President and Head of Institutional Channel Sales. With over two decades of experience in the financial services industry, he brings a wealth of knowledge to the FIG team. Tune in as we chat with Keith about his extensive background, including his tenure at AIG Corebridge and Luma Financial Technologies, and what led him to join FIG. Then, we’ll dive into the opportunities and challenges facing insurance distribution in the broker-dealer and institutional channels, especially in light of evolving regulations. Join us as he shares his vision for the future and outlines how FIG is working to meet the unique needs of broker-dealers. Here’s some of what we discuss in this episode: Keith's journey to becoming EVP at FIG and his vision for institutional channel salesThe importance of a broker-dealer-first strategy in today's regulatory environmentHow FIG is helping broker-dealers streamline and enhance their insurance planning models Learn About FIG: https://www.figmarketing.com 800-527-1155

Ever wondered what it's like to be on the front lines of the financial services industry as an intern? We’ve got just the conversation for you this week! We are joined by Graham Wald and Paul Matanovic, our 2024 FIG spring interns in today’s episode. Tune in as we discuss their backgrounds, experiences, and takeaways from their internship here at FIG. From hands-on learning to relationship building, Graham and Paul have gained valuable insights into various aspects of the industry, from product knowledge to communication and networking skills. Stay tuned for a unique glimpse into the importance of internships and early talent development in shaping the future of the financial services industry. Here’s some of what we discuss in this episode: Graham and Paul’s backgrounds + what led them to the financial services industryThe importance of early talent strategy and internships in the financial industryPaul and Graham’s key learnings from this internship experience at FIGStaying open-minded, continuously networking, and embracing learning opportunities throughout your career Learn About FIG: https://www.figmarketing.com 800-527-1155

Join us for a special episode featuring David McKnight, our partner from Power of Zero. He’s here to talk about the upcoming Heroes of Zero conference in Nashville on May 16 and 17 at the Renaissance Hotel. Stay tuned as David shares the list of incredible financial experts that are going to be featured this year and discusses the details of the event. From understanding the latest tax law changes to implementing the most effective marketing strategies for your business, this event will bring you some of the most cutting-edge retirement planning education in the industry. This is an excellent opportunity to network with peers, learn from the best, and equip yourself with the knowledge to shield your clients and prospects from the impact of rising taxes. Stay tuned to learn more! Here’s some of what we discuss in this episode: What is the Heroes of Zero conference and who will be speaking?What topics will be covered during the event?How can attending the conference benefit financial professionals and their practices?How much does this event cost to attend and how do I register? Register for Heroes of Zero https://ca.heroesofzero.live/ Learn About FIG: https://www.figmarketing.com 800-527-1155

In today’s episode, we’re focusing on a topic that is increasingly vital for our clients: long-term care planning. Joining us on the show is Lily Vittayarukskul, the CEO and founder of Waterlily Planning. We’re so excited to partner with Waterlily and introduce you to its innovative approach to long-term care planning. Lily's personal journey, sparked by her aunt's battle with terminal cancer, led her to develop a solution aimed at easing the financial and emotional burdens of aging care. Waterlily harnesses the power of AI and machine learning to offer clients a better understanding of their long-term care needs, including cost projections and potential family involvement. Tune in as Lily discusses the role of predictive analytics in retirement planning and how Waterlily empowers advisors to better serve their clients' needs. Here’s some of what we discuss in this episode: Lily's journey and motivation for entering the long-term care industryWhat is Waterlily and how does it help advisors with long-term care conversations?The importance of holistic planning and incorporating long-term care considerations into retirement strategiesWhat’s in the future for Waterlily? Resources for this episode: Waterlily Planning https://www.joinwaterlily.com/ Lily on Linkedin https://www.linkedin.com/in/lily-vittayarukskul/ Learn About FIG: https://www.figmarketing.com 800-527-1155