Common Sense Financial Podcast

Common Sense Financial Podcast

Brian Skrobonja

The Common Sense Financial Podcast is all about finances, mindset and personal growth. The goal is to help you make smart choices with your money in your home and in your business. Some of the podcasts here are historical in nature. They aired before July 1, 2022 and were previously approved by Kalos Capital. The views and statistics discussed in these shows are relevant to that time period and may not be relevant to current events. This is intended for informational and entertainment purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it...

2024 Pension Reforms: The Removal of WEP and GPO

2024 Pension Reforms: The Removal of WEP and GPO

Brian Skrobonja breaks down the repeal of the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO).  He covers how retirees can strategically use their lump sum to create long-term financial stability, the impact of the repeal on spousal and survivor benefits, and the broader financial strain on the Social Security system.  Tune in to hear essential insights into how to adapt your financial strategy and take full advantage of this game-changing reform. Brian starts by ex

Feb 19, • 18:31

3 Factors to Consider Before Taking Your Social Security Benefits - Replay

3 Factors to Consider Before Taking Your Social Security Benefits - Replay

The complexity of Social Security calculations can cause some confusion around when someone eligible should file and claim their benefit. There are a lot of variables to consider and acronyms to decipher that can make Social Security feel like a confusing hedge maze. Let’s cut through some of the noise and clarify some of the most pressing questions around Social Security benefits and what questions you need to consider to determine what’s best for you and your family. Social Security has many

Feb 12, • 14:49

The 7 Indispensable Steps in Building Your Wealth Strategy - Replay

The 7 Indispensable Steps in Building Your Wealth Strategy - Replay

If you tune into social media, there are a lot of influencers and gurus peddling one-size-fits-all financial advice and unfortunately plenty of investors base their strategies on what these people recommend. Find out why basing your investment decisions on what’s trending on TikTok is short sighted and discover the seven indispensable steps of building wealth that are the most common among our most successful clients. Conventional wisdom such as paying off mortgages, quickly maxing out 401(k)'s

Feb 5, • 14:16

Hidden Tax Strategies, with CPA Tanner Adams - Replay

Hidden Tax Strategies, with CPA Tanner Adams - Replay

Most business owners come into the financial game as the quarterback. They’re telling their CPA and financial advisor what they need and when they need it instead of working as a team to plan out a cohesive strategy. This needs to change. Listen to the latest episode of the podcast to learn why your business needs a financial team that works together, and how to incorporate tax planning strategies into your operation, so you’re not overpaying taxes and maximizing the odds of your long-term succe

Jan 29, • 44:19

Create A Formula To Help Reduce Risk and Simplify Your Finances

Create A Formula To Help Reduce Risk and Simplify Your Finances

Brian Skrobonja discusses the crucial role a well-defined investing strategy plays in making smarter financial decisions. He covers ways to create an investing framework you can follow, why blindly taking investing risks is a recipe for disaster, and ways to navigate financial decisions with confidence and clarity. Brian starts by highlighting the crucial role a well-defined investing framework plays in securing your financial future. He highlights a common misconception about retirement: many

Jan 22, • 20:59

Four Big Financial Planning Mistakes Business Owners Make - Replay

Four Big Financial Planning Mistakes Business Owners Make - Replay

Entrepreneurs by nature are continuously occupied with running their business and wearing multiple hats throughout the day just to keep things running smoothly. Unfortunately, that leads entrepreneurs into making a number of common mistakes. Mistakes that damage the long-term success and potential of their business. Listen to the latest episode of the podcast to learn about the four most common financial mistakes entrepreneurs make that put the future of their business at risk, and how you can a

Jan 15, • 12:42

How SDLI Can Provide Flexibility - Replay

How SDLI Can Provide Flexibility - Replay

High income professionals face a unique situation when it comes to their retirement. You have the dual challenge of having your money tied up in your investments and also looming tax burdens once you retire. Listen to the latest episode of the podcast to learn about a Specially Designed Life Insurance policy, also known as a life insurance retirement plan, and how it could be the wealth preservation tool you’ve been looking for. A high cash value life insurance policy can help facilitate tax-ad

Jan 8, • 14:36

Who Should Consider An Annuity? - Replay

Who Should Consider An Annuity? - Replay

The concept of investing is often associated only with money and the pursuit of wealth, but this Annuities are a popular thing these days… why is that the case? And are they a valid option for those planning their retirement? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja explores the world of annuities – from what they are and the three types of annuities all the way to four common myths, Brian’s “unpopular opinion” and why annuities and investments aren’t in co

Jan 1, • 14:46

Investing in Your Ideal Future Self - Replay

Investing in Your Ideal Future Self - Replay

The concept of investing is often associated only with money and the pursuit of wealth, but this fails to capture the true essence of investing. An ideal future isn’t encapsulated by a stack of $100 bills. The true essence of investing is not about building wealth, but about building the atmospheric conditions that align with your ideal future self. Listen to the latest episode of the podcast to learn why a relentless focus on accumulating wealth will end up costing you what you’re actually work

Dec 25, 2024 • 14:23

How Prepared Are You For Retirement?

How Prepared Are You For Retirement?

Brian Skrobonja goes through the five questions you need to answer to gauge how prepared you are for retirement. He covers the benefits of having a detailed income plan, how to design a comprehensive tax strategy, and what it takes to enjoy your retirement without constantly second-guessing your financial decisions. Brian starts the conversation by explaining why retirement is more than just a financial milestone. It's a complete shift in how you use money and approach life. According to Brian,

Dec 18, 2024 • 27:18

An In-Depth Breakdown of Privatized Banking aka Build Banking - Replay

An In-Depth Breakdown of Privatized Banking aka Build Banking - Replay

Many people accumulate their wealth in a bank or a long-term investment, and this may create problems. But there is a different strategy. In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over the Build Banking strategy and how you can consider a different banking paradigm using specially designed life insurance policies that allow you to start banking on yourself. Most people know that banks use other people’s money to generate profits. This process is known

Dec 11, 2024 • 15:37

Retirement Requires a Shift in Mindset - Replay

Retirement Requires a Shift in Mindset - Replay

Time is your most precious resource, but how you use it is up to you. The shift from earning to retirement can be quite challenging, as you have to thread the needle between income, growth, and time. In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over the most important mindset shift people need to make in order for their retirement plan to succeed. It is possible to retire without growth, but it’s impossible to succeed without income. But many people have

Dec 4, 2024 • 15:53

Avoid Making These 5 Retirement Mistakes - Replay

Avoid Making These 5 Retirement Mistakes - Replay

“The more money you have, the bigger the mistakes,” someone once told Brian… How does that translate into retirement planning? And how can you help ensure you approach your financial planning for your “golden years” in the best possible way? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over five retirement mistakes that you should stay away from at all costs, as well as what retirement is actually about. Brian touches upon something that a very successful

Nov 27, 2024 • 14:39

Year-End Tax Strategies

Year-End Tax Strategies

Brian Skrobonja shares practical tips on year-end tax planning so you can make informed decisions and take control of your financial future. He explains why now is the perfect time to assess your financial situation and the type of strategic moves you can make to reduce your tax liabilities, maximize savings, and enhance your overall financial health. Brian starts the conversation by revealing the key elements of a well-designed year-end tax planning strategy. Tax planning isn't an April 15th a

Nov 20, 2024 • 21:59

6 Tips For Choosing the “Right Fit” Financial Advisor - Replay

6 Tips For Choosing the “Right Fit” Financial Advisor - Replay

Are you part of that 68% of people who would like to have a personalized financial plan, but aren’t sure where to find a financial advisor? What should you pay attention to when trying to get a financial planning expert to help you, and you’re evaluating different options? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja shares six factors you should keep into consideration and look at when going through different financial advisor options. According to a May 2022

Nov 13, 2024 • 15:59

Make Health Planning Part of Your Retirement Planning, with Regan Archibald - Replay

Make Health Planning Part of Your Retirement Planning, with Regan Archibald - Replay

You feel healthy so everything is okay, right? Have you ever thought that health planning should be part of your retirement planning efforts? If you’ve answered ‘yes,’ pay close attention to Regan Archibald! Regan joins host Brian Skrobonja to discuss how people should approach health planning, the world of preventive care, the role of nutrition, and why longevity medicine is something you should be mindful of. Regan Archibald kicks off the conversation by sharing his origin story. In his work

Nov 6, 2024 • 53:35

An Innovative – and Life-Changing – Way to Look at Retirement, with Dean Jackson - Replay

An Innovative – and Life-Changing – Way to Look at Retirement, with Dean Jackson - Replay

What comes to mind when you think about retiring? Is it enjoying your "golden years?" That's an outdated approach, says today's guest Dean Jackson! He joins host Brian Skrobonja to discuss a new way to think about retirement – and how doing things this way will change your life – the concept of "pre-tiring," two types of economy, and what "money hobby" and self-managing companies are all about. The idea of the conversation with Dean came to Brian as the result of conversations he has been havin

Oct 30, 2024 • 57:55

The Potential Ripple Effects of Taxing Unrealized Capital Gains

The Potential Ripple Effects of Taxing Unrealized Capital Gains

In this episode, Brian Skrobonja breaks down Kamala Harris' proposed tax plan and how it aims to tax unrealized capital gains for the ultra-rich. He sheds light on how the tax plans will affect all Americans regardless of their income level, what to do if Kamala Harris is elected president, and how taxing unrealized gains could contribute to constant market volatility. Brian starts the conversation by breaking down the key elements in Kamala Harris' plan to tax unrealized capital gains for ultr

Oct 23, 2024 • 18:35

Identity Theft: How to Protect Yourself and Take Action if You’re Targeted

Identity Theft: How to Protect Yourself and Take Action if You’re Targeted

In this episode, Brian Skrobonja shares tips and insights on how to help protect yourself against identity theft. He sheds light on the best identity theft tools in the market, what to consider when someone steals your identity, and ways to minimize the risk of your data ending up in the dark web. Brian starts the conversation by sharing what he learned as a victim of identity theft and how you can be more prepared if you find yourself in a similar situation. The reality is that identity theft

Oct 16, 2024 • 20:15

The 4 Biggest Obstacles to Effective Estate Planning - Replay

The 4 Biggest Obstacles to Effective Estate Planning - Replay

Life when you’re gone… an uncomfortable conversation most people prefer to avoid. Why isn’t that a good idea? How can estate planning help you ensure that things are taken care of once you aren’t around anymore? Listen to learn about big mistakes people make, the different elements that make up the estate plan puzzle, the three primary areas of cash flow, and the type of plan you should have in place. When it comes to end of life financial planning, many people tend to put it off because it’s a

Oct 9, 2024 • 14:04

Longevity: The Retirement Problem No One Is Discussing - Replay

Longevity: The Retirement Problem No One Is Discussing - Replay

Did you know that a good part of American households haven’t thought about retirement planning? When it comes to planning for retirement, there are some key concepts to understand and three traps you should do your best to avoid. Listen to learn why a money increase doesn’t always equal a lifestyle enhancement, the three things people often look at but that come back to bite them later on, and how you can effectively plan for retirement and protect your money. As life expectancy increases, peop

Oct 2, 2024 • 14:24

In Financial Planning, Consider Your ‘Fuel Tank of Capability’ - Replay

In Financial Planning, Consider Your ‘Fuel Tank of Capability’ - Replay

You can live without saving money, and you can live with debt, but you cannot live without cash flow. In fact, if you want your personal finance to flourish, cash flow is a key element you need to focus on – passive income too. Why is that the case? Find out about critical personal financing missteps you should avoid making, what to focus on to measure financial progress and happiness, and the key traits you can learn from the happiest and most successful people to win more in personal finance.

Sep 25, 2024 • 14:29

Different Approach of Financial Planning Addresses ‘the Missing Middle’ - Replay

Different Approach of Financial Planning Addresses ‘the Missing Middle’ - Replay

Emergencies and retirement. This is what we're taught to save for. But what if you created a different system, which allowed you to pay for the expenses you will incur between now and retirement age – without losing the ability to build wealth? Find out why you may need to rethink your financial planning approach and what you should do about the “Missing Middle.” According to popular opinion, sound financial planning advice typically consists of two main steps: saving for emergencies and saving

Sep 18, 2024 • 15:40

7 Essential Questions to Ask When Choosing a Financial Advisor

7 Essential Questions to Ask When Choosing a Financial Advisor

In this episode, Brian Skrobonja breaks down the seven key questions you must ask your advisor before choosing to work with them. He sheds light on why selecting a financial advisor is crucial for your financial well-being, the benefits of working with an experienced financial advisor, and why you should be wary of financial entertainers. How can people find financial advisors who can help them beyond just picking investments? Brian goes over seven key areas you must consider before working wit

Sep 11, 2024 • 21:40

The Three Retirement Mindsets That Could Have A Negative Impact On Your Retirement Plans - Replay

The Three Retirement Mindsets That Could Have A Negative Impact On Your Retirement Plans - Replay

In this episode, Brian Skrobonja goes over the three main retirement mindsets that could negatively impact your retirement plans. He sheds light on what most retirees get wrong about retirement planning, why being confident doesn’t eliminate investment risks, and what to consider when hiring a financial planner. Brian goes over three retirement mindsets that have the potential to derail even the best-laid retirement plans. He starts by explaining that there is more to the conversation around re

Sep 4, 2024 • 19:01

Exploring Alternative Investments and Building a Long Term Vision - Replay

Exploring Alternative Investments and Building a Long Term Vision - Replay

In this episode, Brian Skrobonja explains what alternative investments are and why they are the fastest route to growing your assets or retirement savings. He sheds light on how the most successful investors in the world keep getting wealthier and how to use an endowment like strategy to position your retirement assets. Brian explores alternative investments opportunities.  He goes over what larger investors are doing to diversify away from the public market in an effort to help clients protect

Aug 28, 2024 • 16:40

Top 2 Questions Answered - Replay

Top 2 Questions Answered - Replay

In this episode, Brian Skrobonja answers the top questions he receives from people looking for help with their financial plan. He sheds light on why a plan is more than just picking stocks, what most people get wrong about passive income, and the benefits of knowing how much tax liability you’ll have in the future. Brian answers the top questions he receives from people looking for financial planning assistance.  He starts by explaining why a financial plan is more than just picking a few stock

Aug 21, 2024 • 18:00

A Framework For Multiplying Wealth

A Framework For Multiplying Wealth

In this episode, Brian Skrobonja breaks down a simple framework everyone can follow to build and multiply wealth. He sheds light on what most people get wrong about wealth building, the benefits of having multiple appreciating assets, and how wealthy people use other people’s money to build wealth. Brian goes over a simple framework for multiplying and sustaining wealth--the same framework he uses to build and scale his business. Brian reveals the rhythm to building wealth: Accumulate money, bu

Aug 14, 2024 • 22:31

Defining A Diversified Portfolio - Replay

Defining A Diversified Portfolio - Replay

In this episode, Brian Skrobonja breaks down ways to save, grow, and invest your money. He sheds light on what a well-diversified portfolio looks like, the true definition of financial freedom, and why you need different mindsets for spending versus investing money. We all want the same thing when it comes to money--we all desire to make money, grow money, and use the money that we have. However, most people have a belief system that is rooted strictly on growing money--which, on some level, ma

Aug 7, 2024 • 13:24

Settling An Estate As An Executor - Replay

Settling An Estate As An Executor - Replay

In this episode, Brian Skrobonja sheds light on the complex and often overwhelming process of managing an estate after the loss of a loved one. This is a step-by-step guide from the initial steps you need to take after a loved one passes, to the intricate details of settling an estate. Brian offers valuable advice and practical tips to navigate this difficult time with grace and efficiency. Having a clearly defined process in place for managing an estate can help avoid the emotional drain of ma

Jul 31, 2024 • 13:26

Tax Deferred to Tax Free: Navigating Taxes in Retirement - Replay

Tax Deferred to Tax Free: Navigating Taxes in Retirement - Replay

In this milestone 100th episode of the Common Sense Financial Podcast, host Brian Skrobonja delves into the critical topic of managing taxes in retirement. The episode focuses on strategies for minimizing tax liabilities, especially for retirees with tax-deferred accounts facing potential hefty tax bills. Brian emphasizes the importance of sustainable income creation during retirement and the role of tax optimization in this process. Most people envision their retirement to be built from predom

Jul 24, 2024 • 17:33

Are You Prepared for the Evolution of Retirement? - Replay

Are You Prepared for the Evolution of Retirement? - Replay

In this podcast episode, Brian Skrobonja takes us on a thought-provoking journey through the evolving concept of retirement. As we dive into the past, present, and future of retirement, Brian helps us unravel the complexities of this modern-day concept which, though deeply ingrained in our society, is relatively new in human history. This episode is essential for anyone planning for retirement, offering a fresh perspective on how to approach this significant life stage in the context of rapid so

Jul 17, 2024 • 16:12

The Three Retirement Mindsets That Could Have A Negative Impact On Your Retirement Plans

The Three Retirement Mindsets That Could Have A Negative Impact On Your Retirement Plans

In this episode, Brian Skrobonja goes over the three main retirement mindsets that could negatively impact your retirement plans. He sheds light on what most retirees get wrong about retirement planning, why being confident doesn’t eliminate investment risks, and what to consider when hiring a financial planner. Brian goes over three retirement mindsets that have the potential to derail even the best-laid retirement plans. He starts by explaining that there is more to the conversation around re

Jul 10, 2024 • 19:01

My Story - Replay

My Story - Replay

In this podcast episode, Brian shares his remarkable journey from his parents' middle-class immigrant background to achieving financial freedom through decades of learning and building businesses. He recounts his early aspiration for an opulent lifestyle and the pivotal moment when he realized the importance of creating income-producing assets. Through content creation, including three books and the Common Sense Financial Podcast, Brian's financial wisdom and expertise have garnered recognition

Jul 3, 2024 • 10:53

The 5 Key Performance Indicators To Help Measure The Health Of Your Retirement Plan - Replay

The 5 Key Performance Indicators To Help Measure The Health Of Your Retirement Plan - Replay

In this episode we talk about the importance of using key performance indicators beyond just investment performance to gauge the health of one's retirement plan. There are five crucial data points that form the foundation of a successful retirement strategy: passive income, effective tax rate, cash flow ratio, banking capacity, and horizontal asset allocation. By focusing on these metrics, you can adopt a comprehensive approach to retirement planning that factors in various financial variables a

Jun 26, 2024 • 15:40

Certificates of Deposit: What to Consider and How to Use Them - Replay

Certificates of Deposit: What to Consider and How to Use Them - Replay

In this episode on Certificates of Deposit (CDs) as investments, we talk about the nuanced decision-making involved in purchasing CDs and whether or not CDs are good investments, particularly in a rising interest rate environment, and we explain why interest rates are the only factor you need to consider. Wealth creation isn't solely dependent on CD rates, and we need to consider the impact of inflation and interest rates to gain a comprehensive financial perspective. The episode also explores h

Jun 19, 2024 • 13:20

Exploring Alternative Investments and Building a Long Term Vision

Exploring Alternative Investments and Building a Long Term Vision

In this episode, Brian Skrobonja explains what alternative investments are and why they are the fastest route to growing your assets or retirement savings. He sheds light on how the most successful investors in the world keep getting wealthier and how to use an endowment like strategy to position your retirement assets. Brian explores alternative investments opportunities.  He goes over what larger investors are doing to diversify away from the public market in an effort to help clients protect

Jun 12, 2024 • 16:40

How to Create Retirement Confidence - Replay

How to Create Retirement Confidence - Replay

In this episode, we delve into the link between overall retirement quality and the confidence you have in your financial plan. We emphasize how a well-designed retirement strategy tailored to your needs, not solely reliant on market performance, is pivotal for boosting confidence and making your retirement plan a reality you can rely on. Addressing common fears, exploring emotional extremes, and understanding the evolving landscape of retirement planning, will help you discover the significance

Jun 5, 2024 • 18:27

3 Factors to Consider Before Taking Your Social Security Benefits - Replay

3 Factors to Consider Before Taking Your Social Security Benefits - Replay

The complexity of Social Security calculations can cause some confusion around when someone eligible should file and claim their benefit. There are a lot of variables to consider and acronyms to decipher that can make Social Security feel like a confusing hedge maze. Let’s cut through some of the noise and clarify some of the most pressing questions around Social Security benefits and what questions you need to consider to determine what’s best for you and your family. Social Security has many

May 29, 2024 • 14:49

The 7 Indispensable Steps in Building Your Wealth Strategy - Replay

The 7 Indispensable Steps in Building Your Wealth Strategy - Replay

If you tune into social media, there are a lot of influencers and gurus peddling one-size-fits-all financial advice and unfortunately plenty of investors base their strategies on what these people recommend. Find out why basing your investment decisions on what’s trending on TikTok is short sighted and discover the seven indispensable steps of building wealth that are the most common among our most successful clients. Conventional wisdom such as paying off mortgages, quickly maxing out 401(k)'s

May 22, 2024 • 14:16

Top 2 Questions Answered

Top 2 Questions Answered

In this episode, Brian Skrobonja answers the top questions he receives from people looking for help with their financial plan. He sheds light on why a plan is more than just picking stocks, what most people get wrong about passive income, and the benefits of knowing how much tax liability you’ll have in the future. Brian answers the top questions he receives from people looking for financial planning assistance.  He starts by explaining why a financial plan is more than just picking a few stock

May 15, 2024 • 18:00

Hidden Tax Strategies, with CPA Tanner Adams - Replay

Hidden Tax Strategies, with CPA Tanner Adams - Replay

Most business owners come into the financial game as the quarterback. They’re telling their CPA and financial advisor what they need and when they need it instead of working as a team to plan out a cohesive strategy. This needs to change. Listen to the latest episode of the podcast to learn why your business needs a financial team that works together, and how to incorporate tax planning strategies into your operation, so you’re not overpaying taxes and maximizing the odds of your long-term succe

May 8, 2024 • 44:19

Four Big Financial Planning Mistakes Business Owners Make - Replay

Four Big Financial Planning Mistakes Business Owners Make - Replay

Entrepreneurs by nature are continuously occupied with running their business and wearing multiple hats throughout the day just to keep things running smoothly. Unfortunately, that leads entrepreneurs into making a number of common mistakes. Mistakes that damage the long-term success and potential of their business. Listen to the latest episode of the podcast to learn about the four most common financial mistakes entrepreneurs make that put the future of their business at risk, and how you can a

May 1, 2024 • 12:42

How SDLI Can Provide Flexibility - Replay

How SDLI Can Provide Flexibility - Replay

High income professionals face a unique situation when it comes to their retirement. You have the dual challenge of having your money tied up in your investments and also looming tax burdens once you retire. Listen to the latest episode of the podcast to learn about a Specially Designed Life Insurance policy, also known as a life insurance retirement plan, and how it could be the wealth preservation tool you’ve been looking for. A high cash value life insurance policy can help facilitate tax-ad

Apr 24, 2024 • 14:36

Who Should Consider An Annuity? - Replay

Who Should Consider An Annuity? - Replay

The concept of investing is often associated only with money and the pursuit of wealth, but this Annuities are a popular thing these days… why is that the case? And are they a valid option for those planning their retirement? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja explores the world of annuities – from what they are and the three types of annuities all the way to four common myths, Brian’s “unpopular opinion” and why annuities and investments aren’t in co

Apr 17, 2024 • 14:46

Defining A Diversified Portfolio

Defining A Diversified Portfolio

In this episode, Brian Skrobonja breaks down ways to save, grow, and invest your money. He sheds light on what a well-diversified portfolio looks like, the true definition of financial freedom, and why you need different mindsets for spending versus investing money. We all want the same thing when it comes to money--we all desire to make money, grow money, and use the money that we have. However, most people have a belief system that is rooted strictly on growing money--which, on some level, ma

Apr 10, 2024 • 13:24

Investing in Your Ideal Future Self - Replay

Investing in Your Ideal Future Self - Replay

The concept of investing is often associated only with money and the pursuit of wealth, but this fails to capture the true essence of investing. An ideal future isn’t encapsulated by a stack of $100 bills. The true essence of investing is not about building wealth, but about building the atmospheric conditions that align with your ideal future self. Listen to the latest episode of the podcast to learn why a relentless focus on accumulating wealth will end up costing you what you’re actually work

Apr 3, 2024 • 14:23

An In-Depth Breakdown of Privatized Banking aka Build Banking - Replay

An In-Depth Breakdown of Privatized Banking aka Build Banking - Replay

Many people accumulate their wealth in a bank or a long-term investment, and this may create problems. But there is a different strategy. In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over the Build Banking strategy and how you can consider a different banking paradigm using specially designed life insurance policies that allow you to start banking on yourself. Most people know that banks use other people’s money to generate profits. This process is known

Mar 27, 2024 • 15:37

Retirement Requires a Shift in Mindset - Replay

Retirement Requires a Shift in Mindset - Replay

Time is your most precious resource, but how you use it is up to you. The shift from earning to retirement can be quite challenging, as you have to thread the needle between income, growth, and time. In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over the most important mindset shift people need to make in order for their retirement plan to succeed. It is possible to retire without growth, but it’s impossible to succeed without income. But many people have

Mar 20, 2024 • 15:53

Settling An Estate As An Executor

Settling An Estate As An Executor

In this episode, Brian Skrobonja sheds light on the complex and often overwhelming process of managing an estate after the loss of a loved one. This is a step-by-step guide from the initial steps you need to take after a loved one passes, to the intricate details of settling an estate. Brian offers valuable advice and practical tips to navigate this difficult time with grace and efficiency. Having a clearly defined process in place for managing an estate can help avoid the emotional drain of ma

Mar 13, 2024 • 13:26

Avoid Making These 5 Retirement Mistakes - Replay

Avoid Making These 5 Retirement Mistakes - Replay

“The more money you have, the bigger the mistakes,” someone once told Brian… How does that translate into retirement planning? And how can you help ensure you approach your financial planning for your “golden years” in the best possible way? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over five retirement mistakes that you should stay away from at all costs, as well as what retirement is actually about. Brian touches upon something that a very successful

Mar 6, 2024 • 14:39

6 Tips For Choosing the “Right Fit” Financial Advisor - Replay

6 Tips For Choosing the “Right Fit” Financial Advisor - Replay

Are you part of that 68% of people who would like to have a personalized financial plan, but aren’t sure where to find a financial advisor? What should you pay attention to when trying to get a financial planning expert to help you, and you’re evaluating different options? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja shares six factors you should keep into consideration and look at when going through different financial advisor options. According to a May 2022

Feb 28, 2024 • 15:59

Make Health Planning Part of Your Retirement Planning, with Regan Archibald - Replay

Make Health Planning Part of Your Retirement Planning, with Regan Archibald - Replay

You feel healthy so everything is okay, right? Have you ever thought that health planning should be part of your retirement planning efforts? If you’ve answered ‘yes,’ pay close attention to Regan Archibald! Regan joins host Brian Skrobonja to discuss how people should approach health planning, the world of preventive care, the role of nutrition, and why longevity medicine is something you should be mindful of. Regan Archibald kicks off the conversation by sharing his origin story. In his work

Feb 21, 2024 • 53:35

Tax Deferred to Tax Free: Navigating Taxes in Retirement

Tax Deferred to Tax Free: Navigating Taxes in Retirement

In this milestone 100th episode of the Common Sense Financial Podcast, host Brian Skrobonja delves into the critical topic of managing taxes in retirement. The episode focuses on strategies for minimizing tax liabilities, especially for retirees with tax-deferred accounts facing potential hefty tax bills. Brian emphasizes the importance of sustainable income creation during retirement and the role of tax optimization in this process. Most people envision their retirement to be built from predom

Feb 14, 2024 • 16:08

The 4 Biggest Obstacles to Effective Estate Planning - Replay

The 4 Biggest Obstacles to Effective Estate Planning - Replay

Life when you’re gone… an uncomfortable conversation most people prefer to avoid. Why isn’t that a good idea? How can estate planning help you ensure that things are taken care of once you aren’t around anymore? Listen to learn about big mistakes people make, the different elements that make up the estate plan puzzle, the three primary areas of cash flow, and the type of plan you should have in place. When it comes to end of life financial planning, many people tend to put it off because it’s a

Feb 7, 2024 • 14:04

Longevity: The Retirement Problem No One Is Discussing - Replay

Longevity: The Retirement Problem No One Is Discussing - Replay

Did you know that a good part of American households haven’t thought about retirement planning? When it comes to planning for retirement, there are some key concepts to understand and three traps you should do your best to avoid. Listen to learn why a money increase doesn’t always equal a lifestyle enhancement, the three things people often look at but that come back to bite them later on, and how you can effectively plan for retirement and protect your money. As life expectancy increases, peop

Jan 31, 2024 • 14:24

Different Approach of Financial Planning Addresses ‘the Missing Middle’ - Replay

Different Approach of Financial Planning Addresses ‘the Missing Middle’ - Replay

Emergencies and retirement. This is what we're taught to save for. But what if you created a different system, which allowed you to pay for the expenses you will incur between now and retirement age – without losing the ability to build wealth? Find out why you may need to rethink your financial planning approach and what you should do about the “Missing Middle.” According to popular opinion, sound financial planning advice typically consists of two main steps: saving for emergencies and saving

Jan 24, 2024 • 15:40

An Innovative – and Life-Changing – Way to Look at Retirement, with Dean Jackson - Replay

An Innovative – and Life-Changing – Way to Look at Retirement, with Dean Jackson - Replay

What comes to mind when you think about retiring? Is it enjoying your "golden years?" That's an outdated approach, says today's guest Dean Jackson! He joins host Brian Skrobonja to discuss a new way to think about retirement – and how doing things this way will change your life – the concept of "pre-tiring," two types of economy, and what "money hobby" and self-managing companies are all about. The idea of the conversation with Dean came to Brian as the result of conversations he has been havin

Jan 17, 2024 • 9:27

Are You Prepared for the Evolution of Retirement?

Are You Prepared for the Evolution of Retirement?

In this podcast episode, Brian Skrobonja takes us on a thought-provoking journey through the evolving concept of retirement. As we dive into the past, present, and future of retirement, Brian helps us unravel the complexities of this modern-day concept which, though deeply ingrained in our society, is relatively new in human history. This episode is essential for anyone planning for retirement, offering a fresh perspective on how to approach this significant life stage in the context of rapid so

Jan 10, 2024 • 16:12

In Financial Planning, Consider Your ‘Fuel Tank of Capability’ - Replay

In Financial Planning, Consider Your ‘Fuel Tank of Capability’ - Replay

You can live without saving money, and you can live with debt, but you cannot live without cash flow. In fact, if you want your personal finance to flourish, cash flow is a key element you need to focus on – passive income too. Why is that the case? Find out about critical personal financing missteps you should avoid making, what to focus on to measure financial progress and happiness, and the key traits you can learn from the happiest and most successful people to win more in personal finance.

Jan 3, 2024 • 14:29

My Story

My Story

In this podcast episode, Brian shares his remarkable journey from his parents' middle-class immigrant background to achieving financial freedom through decades of learning and building businesses. He recounts his early aspiration for an opulent lifestyle and the pivotal moment when he realized the importance of creating income-producing assets. Through content creation, including three books and the Common Sense Financial Podcast, Brian's financial wisdom and expertise have garnered recognition

Dec 6, 2023 • 10:53

The 5 Key Performance Indicators To Help Measure The Health Of Your Retirement Plan

The 5 Key Performance Indicators To Help Measure The Health Of Your Retirement Plan

In this episode we talk about the importance of using key performance indicators beyond just investment performance to gauge the health of one's retirement plan. There are five crucial data points that form the foundation of a successful retirement strategy: passive income, effective tax rate, cash flow ratio, banking capacity, and horizontal asset allocation. By focusing on these metrics, you can adopt a comprehensive approach to retirement planning that factors in various financial variables a

Nov 22, 2023 • 15:40

Certificates of Deposit: What to Consider and How to Use Them

Certificates of Deposit: What to Consider and How to Use Them

In this episode on Certificates of Deposit (CDs) as investments, we talk about the nuanced decision-making involved in purchasing CDs and whether or not CDs are good investments, particularly in a rising interest rate environment, and we explain why interest rates are the only factor you need to consider. Wealth creation isn't solely dependent on CD rates, and we need to consider the impact of inflation and interest rates to gain a comprehensive financial perspective. The episode also explores h

Nov 15, 2023 • 13:20

How to Create Retirement Confidence

How to Create Retirement Confidence

In this episode, we delve into the link between overall retirement quality and the confidence you have in your financial plan. We emphasize how a well-designed retirement strategy tailored to your needs, not solely reliant on market performance, is pivotal for boosting confidence and making your retirement plan a reality you can rely on. Addressing common fears, exploring emotional extremes, and understanding the evolving landscape of retirement planning, will help you discover the significance

Nov 8, 2023 • 18:27

3 Factors To Consider Before Taking Your Social Security Benefits

3 Factors To Consider Before Taking Your Social Security Benefits

The complexity of Social Security calculations can cause some confusion around when someone eligible should file and claim their benefit. There are a lot of variables to consider and acronyms to decipher that can make Social Security feel like a confusing hedge maze. Let’s cut through some of the noise and clarify some of the most pressing questions around Social Security benefits and what questions you need to consider to determine what’s best for you and your family. Social Security has many

Oct 25, 2023 • 14:49

The 7 Indispensable Steps in Building Your Wealth Strategy

The 7 Indispensable Steps in Building Your Wealth Strategy

If you tune into social media, there are a lot of influencers and gurus peddling one-size-fits-all financial advice and unfortunately plenty of investors base their strategies on what these people recommend. Find out why basing your investment decisions on what’s trending on TikTok is short sighted and discover the seven indispensable steps of building wealth that are the most common among our most successful clients. Conventional wisdom such as paying off mortgages, quickly maxing out 401(k)'s

Oct 18, 2023 • 14:16

Hidden Tax Strategies, with CPA Tanner Adams

Hidden Tax Strategies, with CPA Tanner Adams

Most business owners come into the financial game as the quarterback. They’re telling their CPA and financial advisor what they need and when they need it instead of working as a team to plan out a cohesive strategy. This needs to change. Listen to the latest episode of the podcast to learn why your business needs a financial team that works together, and how to incorporate tax planning strategies into your operation, so you’re not overpaying taxes and maximizing the odds of your long-term succe

Sep 27, 2023 • 44:19

Four Big Financial Planning Mistakes Business Owners Make

Four Big Financial Planning Mistakes Business Owners Make

Entrepreneurs by nature are continuously occupied with running their business and wearing multiple hats throughout the day just to keep things running smoothly. Unfortunately, that leads entrepreneurs into making a number of common mistakes. Mistakes that damage the long-term success and potential of their business. Listen to the latest episode of the podcast to learn about the four most common financial mistakes entrepreneurs make that put the future of their business at risk, and how you can a

Sep 20, 2023 • 12:42

How SDLI Can Provide Flexibility

How SDLI Can Provide Flexibility

High income professionals face a unique situation when it comes to their retirement. You have the dual challenge of having your money tied up in your investments and also looming tax burdens once you retire. Listen to the latest episode of the podcast to learn about a Specially Designed Life Insurance policy, also known as a life insurance retirement plan, and how it could be the wealth preservation tool you’ve been looking for. A high cash value life insurance policy can help facilitate tax-ad

Sep 13, 2023 • 14:36

Who Should Consider An Annuity?

Who Should Consider An Annuity?

The concept of investing is often associated only with money and the pursuit of wealth, but this Annuities are a popular thing these days… why is that the case? And are they a valid option for those planning their retirement? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja explores the world of annuities – from what they are and the three types of annuities all the way to four common myths, Brian’s “unpopular opinion” and why annuities and investments aren’t in co

Sep 6, 2023 • 14:46

Investing in Your Ideal Future Self

Investing in Your Ideal Future Self

The concept of investing is often associated only with money and the pursuit of wealth, but this fails to capture the true essence of investing. An ideal future isn’t encapsulated by a stack of $100 bills. The true essence of investing is not about building wealth, but about building the atmospheric conditions that align with your ideal future self. Listen to the latest episode of the podcast to learn why a relentless focus on accumulating wealth will end up costing you what you’re actually work

Aug 30, 2023 • 14:23

An In-Depth Breakdown of Privatized Banking aka Build Banking

An In-Depth Breakdown of Privatized Banking aka Build Banking

Many people accumulate their wealth in a bank or a long-term investment, and this may create problems. But there is a different strategy. In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over the Build Banking strategy and how you can consider a different banking paradigm using specially designed life insurance policies that allow you to start banking on yourself. Most people know that banks use other people’s money to generate profits. This process is known

Aug 23, 2023 • 15:37

Retirement Requires a Shift in Mindset

Retirement Requires a Shift in Mindset

Time is your most precious resource, but how you use it is up to you. The shift from earning to retirement can be quite challenging, as you have to thread the needle between income, growth, and time. In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over the most important mindset shift people need to make in order for their retirement plan to succeed. It is possible to retire without growth, but it’s impossible to succeed without income. But many people have

Aug 16, 2023 • 15:53

Avoid Making These 5 Retirement Mistakes

Avoid Making These 5 Retirement Mistakes

“The more money you have, the bigger the mistakes,” someone once told Brian… How does that translate into retirement planning? And how can you help ensure you approach your financial planning for your “golden years” in the best possible way? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja goes over five retirement mistakes that you should stay away from at all costs, as well as what retirement is actually about. Brian touches upon something that a very successful

Aug 9, 2023 • 14:39

6 Tips For Choosing the “Right Fit” Financial Advisor

6 Tips For Choosing the “Right Fit” Financial Advisor

Are you part of that 68% of people who would like to have a personalized financial plan, but aren’t sure where to find a financial advisor? What should you pay attention to when trying to get a financial planning expert to help you, and you’re evaluating different options? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja shares six factors you should keep into consideration and look at when going through different financial advisor options. According to a May 2022

Aug 2, 2023 • 15:59

Make Health Planning Part of Your Retirement Planning, with Regan Archibald

Make Health Planning Part of Your Retirement Planning, with Regan Archibald

You feel healthy so everything is okay, right? Have you ever thought that health planning should be part of your retirement planning efforts? If you’ve answered ‘yes,’ pay close attention to Regan Archibald! Regan joins host Brian Skrobonja to discuss how people should approach health planning, the world of preventive care, the role of nutrition, and why longevity medicine is something you should be mindful of. Regan Archibald kicks off the conversation by sharing his origin story. In his work

Jul 26, 2023 • 53:35

An Innovative – and Life-Changing – Way to Look at Retirement, with Dean Jackson

An Innovative – and Life-Changing – Way to Look at Retirement, with Dean Jackson

What comes to mind when you think about retiring? Is it enjoying your "golden years"? That's an outdated approach, says today's guest Dean Jackson! He joins host Brian Skrobonja to discuss a new way to think about retirement – and how doing things this way will change your life – the concept of "pre-tiring," two types of economy, and what "money hobby" and self-managing companies are all about. The idea of the conversation with Dean came to Brian as the result of conversations he has been havin

May 31, 2023 • 57:55

The 4 Biggest Obstacles to Effective Estate Planning

The 4 Biggest Obstacles to Effective Estate Planning

Life when you’re gone… an uncomfortable conversation most people prefer to avoid. Why isn’t that a good idea? How can estate planning help you ensure that things are taken care of once you aren’t around anymore? Listen to learn about big mistakes people make, the different elements that make up the estate plan puzzle, the three primary areas of cash flow, and the type of plan you should have in place. When it comes to end of life financial planning, many people tend to put it off because it’s a

May 24, 2023 • 14:04

Longevity: The Retirement Problem No One Is Discussing

Longevity: The Retirement Problem No One Is Discussing

Did you know that a good part of American households haven’t thought about retirement planning? When it comes to planning for retirement, there are some key concepts to understand and three traps you should do your best to avoid. Listen to learn why a money increase doesn’t always equal a lifestyle enhancement, the three things people often look at but that come back to bite them later on, and how you can effectively plan for retirement and protect your money. As life expectancy increases, peop

May 17, 2023 • 14:24

In Financial Planning, Consider Your ‘Fuel Tank of Capability’

In Financial Planning, Consider Your ‘Fuel Tank of Capability’

You can live without saving money, and you can live with debt, but you cannot live without cash flow. In fact, if you want your personal finance to flourish, cash flow is a key element you need to focus on – passive income too. Why is that the case? Find out about critical personal financing missteps you should avoid making, what to focus on to measure financial progress and happiness, and the key traits you can learn from the happiest and most successful people to win more in personal finance.

May 10, 2023 • 14:29

Different Approach of Financial Planning Addresses ‘the Missing Middle’

Different Approach of Financial Planning Addresses ‘the Missing Middle’

Emergencies and retirement. This is what we're taught to save for. But what if you created a different system, which allowed you to pay for the expenses you will incur between now and retirement age – without losing the ability to build wealth? Find out why you may need to rethink your financial planning approach and what you should do about the “Missing Middle.” According to popular opinion, sound financial planning advice typically consists of two main steps: saving for emergencies and saving

May 3, 2023 • 15:40

Five Assumptions That May Leave You Short of Your Retirement Needs

Five Assumptions That May Leave You Short of Your Retirement Needs

Retirement isn’t a thing that happens. It's a time of life that needs to be planned for. When it comes to planning for retirement, there are a huge number of assumptions that people make about what’s going to happen and when, but what if those assumptions are wrong? Find out why you may need to rethink your retirement plans. Most people envision retirement as a destination. A fixed point in time where their pension or Social Security begins, but retirement is a transition, not a timestamp. Plan

Jun 8, 2022 • 9:27

Do You Want a Tax Planner or a Tax Preparer?

Do You Want a Tax Planner or a Tax Preparer?

Would you rather look back on the past and regret what happened or would you rather look to the future and make plans so that you can choose the outcomes you want? The latter of course! But when it comes to taxes, most people take the first option without even realizing there are better choices. Learn about the difference between tax preparation and tax planning, and how you can create a comprehensive wealth strategy for your future, but you have to start now. There's a huge difference between

Jun 1, 2022 • 11:14

Making Sense of Social Security with Rich Grawer

Making Sense of Social Security with Rich Grawer

Social Security can be a maze of rules, exceptions, and formulas and can feel  almost impossible to navigate for most people. That’s why Rich Grawer is back to talk about making sense of Social Security and the common sense guidelines that allow you to maximize your Social Security benefit and minimize your tax liability while in retirement. Social Security as the system is an income replacement system. It is not meant to be your sole source of income in retirement. The first thing to understan

May 25, 2022 • 47:08

The Wealth Building Strategies of Entrepreneurs and Real Estate Investors Revealed

The Wealth Building Strategies of Entrepreneurs and Real Estate Investors Revealed

It’s no secret that entrepreneurs and real estate investors are responsible for the majority of the wealth creation in the world, but did you know it’s possible to take the same strategies they use and apply them to your own investments? Learn how to multiply your wealth through the power of leverage and how to use the idea of internal and external rates of return to acquire assets that not only appreciate but generate cash flow at the same time. Many investors have a contradictory attitude whe

May 18, 2022 • 11:40

Exit Planning Secrets From Randy Long

Exit Planning Secrets From Randy Long

The sale or transition of a business is a messy, complex, and time consuming process. If you want to make sure it’s a success and doesn’t tear your family apart, you have to make sure it’s done right. Randy Long reveals the biggest misconceptions around selling a business and how to make sure your children still want to eat Thanksgiving dinner together afterward. Randy is a lawyer by trade with a background in finance, having practiced for the past 25 years. Around half way into his career in l

May 11, 2022 • 43:16

Generate More Retirement Income and Keep More of Your Money

Generate More Retirement Income and Keep More of Your Money

There is a key mindset shift that many people fail to make when they retire and it can cost them thousands of dollars from their investment portfolio. Hear about Hypothetical Helen and how her plan to pay off her mortgage with money from her 401k once she retires actually puts her further away from her goals, and what the most optimal solution for cash flow in retirement is.   Retirement in its purest form is simply the creation of passive income sources used to support your cash flow requireme

May 4, 2022 • 11:38

The Five Biggest Regrets People Have About Retirement

The Five Biggest Regrets People Have About Retirement

Regret and retirement don’t have to go together, but for many people they often do. Learn about the top five regrets people have in retirement and how you can set yourself up so instead of feeling like you should have done more, you can retire with confidence. When it comes to retirement, there are almost always things that you’re going to regret. Investments you missed the boat on or investments that went sour. Unfortunately, there is no crystal ball to make retirement planning easy. There are

Apr 27, 2022 • 8:40

Most Important Retirement Number (Not How Much Money Is In Your Portfolio) - Encore

Most Important Retirement Number (Not How Much Money Is In Your Portfolio) - Encore

Most people think about what investments they should be making or what stocks they should have in their portfolio when they approach retirement age, but they are going about it backwards. Brian Skrobonja breaks down the calculations you need to make in order to understand how ready you are for retirement and what your retirement plan needs to factor in to be truly financially free. How do you know when it's safe to retire? The answer depends on your plan and understanding the most important num

Apr 20, 2022 • 10:21

When A Pension Lump Sum Is Better Than An Annuity Payment

When A Pension Lump Sum Is Better Than An Annuity Payment

How do you pick between a lump sum payment from your pension and an annuity? A lot of that decision depends, but if you want to have control over your financial assets, a lump sum is often the better option. Find out when you should take a lump sum option instead of an annuity, why insurance is one of the most important pieces of the puzzle, and how to ensure your family doesn’t lose out either way.  The choice between a pension annuity and a lump sum often comes down to which provides the grea

Apr 13, 2022 • 11:53

How To Create The Perfect Investment Portfolio

How To Create The Perfect Investment Portfolio

When it comes to investing for retirement, following the status quo investment advice is one of the worst things you can do. Most people are deferring taxes in their 401k, storing money in a bank, and working to pay off their mortgage, all without realizing that doing those things won’t move them closer to what they really want in retirement. Find out how to ditch the status quo and build an investment portfolio that allows you to retire without having to worry about income, taxes, or what’s hap

Apr 6, 2022 • 12:58

Is Bitcoin the New Gold or a New Safe Haven?

Is Bitcoin the New Gold or a New Safe Haven?

Gold has been a source of wealth for thousands of years and a safe haven in uncertain times, but with cryptocurrencies like Bitcoin coming onto the scene, is that about to change? Before we can answer that question, we need to understand the history of the US dollar and how gold has fared over the past 100 years to get an idea what the future may hold. Find out what makes Bitcoin so special and why it may be the gold of the 21st century. A growing number of people believe Bitcoin and other cryp

Mar 30, 2022 • 11:09

You Don’t Need Another Investment, You Need the Right Plan to Achieve Your Wealth Goals

You Don’t Need Another Investment, You Need the Right Plan to Achieve Your Wealth Goals

There is no silver bullet investment that’s right for everyone, so beware of financial professionals recommending a particular investment or product without first understanding where you are in your life and what your money goals are first. That’s essentially like prescribing a treatment before your doctor diagnoses your problem! Find out what questions you should be asking yourself and your financial advisor to figure out what you’re trying to achieve and the best strategy for you to get it don

Mar 23, 2022 • 11:47

An Alternative Banking Option - Encore

An Alternative Banking Option - Encore

Brian Skrobonja breaks down the myths and the mechanics of Infinite Banking and how this strategy allows you to take control of your cash flow and finance larger purchases while still allowing your money to earn dividends and interest. Learn how Infinite Banking works, why you need to forget what you think you know about whole life insurance, and whether this strategy is right for you.  In order to understand the concept of Infinite Banking, you have to set aside the common understanding of how

Mar 16, 2022 • 19:05

Busting Common Myths - Encore

Busting Common Myths - Encore

How much does an average rate of return matter? Or does it even matter at all? And what about your 401k? Is the way you’re approaching it the right one? Listen to this episode to hear a few common myths being busted – and get all the positives that will come your way as a result. The other day, Brian came across a quote that read,‘If things you thought were true were actually false, when would you want to know?’ As someone who is continuously seeking information to either support his way of thi

Mar 9, 2022 • 25:15

9 Basic Principles For Managing Your Money - Encore

9 Basic Principles For Managing Your Money - Encore

Money is a HUGE part of our life, yet schools don’t spend time teaching us how to manage it and most families don’t share their experiences with one another. Without guidance and learning best practices to achieve success, we are set up for FAILURE before we even begin our relationship with money. It seems reasonable to believe that it would be a good idea to acquire some training on how to effectively think about and handle money BEFORE we get started. These are a few basic points about handlin

Mar 2, 2022 • 10:29

Social Security and Medicare with Rich Grawer - Encore

Social Security and Medicare with Rich Grawer - Encore

What should you know, consider, and do when it comes to your social security benefits? And what about Medicare? Join Social Security and Medicare expert Rich Grawer and Brian to learn about how to determine your retirement age, whether or not a non-working spouse can qualify for their spouse’s benefit, understanding potential taxes on your social security benefits, and in which scenarios one can qualify for Medicare. Social security and Medicare expert Rich Grawer addresses some of the most fre

Feb 23, 2022 • 34:51

Positioning Your 401k and Pension Assets - Encore

Positioning Your 401k and Pension Assets - Encore

What should you think about when positioning your 401k and pension assets? How can you avoid the pension trap many people fall into? Find out about the two main purposes of your money, the role your cash flow plays, and how to make the most out of your pension choices in this podcast episode. When you’re accumulating money – when you’re working and accumulating – you’re not needing the money that you’re saving. You’re putting it away for retirement. You’re living on the income that you’re recei

Feb 16, 2022 • 22:42

Overcoming Stressors That Limit Success - Encore

Overcoming Stressors That Limit Success - Encore

The truth is that we all, as human beings, carry around this proverbial backpack of beliefs and emotions, and we carry it everywhere we go. And when we show up somewhere that's in a relationship and a conversation having to make a decision, we unpack the backpack. There's no hiding the backpack. It's with us all the time. It is full of of a lot of good things, but mixed in with it our limited beliefs that can wreak havoc with our decision making. These beliefs are just an accumulation of informa

Feb 9, 2022 • 43:48

The #1 Thing That Successful Investors Are Doing That Average Investors Aren't - Encore

The #1 Thing That Successful Investors Are Doing That Average Investors Aren't - Encore

What’s the #1 thing successful investors are doing that average investors aren’t? What are some of the traps people typically fall into when it comes to investing that prevent them from achieving growth and freedom? Find out about what you can learn from Yale endowments, and what you should do to become a successful investor. ‘Nothing changes if nothing changes’ is one of the mantras around Brian’s house. It’s a reminder to not complain about an outcome or circumstance, but rather to try to fin

Feb 2, 2022 • 21:48

Six Steps to Ensure You’re Ready for Retirement

Six Steps to Ensure You’re Ready for Retirement

Sorting out matters related to your retirement isn’t something you should wait until the last minute to take care of. What can you do to make sure you’re ready for retirement when time arrives? Learn about 6 things you can do right now to ensure that you’re indeed ready for retirement. If you are within six months away from retiring, there are certain things you need to do now to help prepare yourself for the transition into retirement throughout this retirement preparation process. While, at t

Jan 26, 2022 • 10:21

Strategically Separating Your Assets with the Five Minute Retirement Plan

Strategically Separating Your Assets with the Five Minute Retirement Plan

How can a mindset shift help you avoid one of the most common retirement planning mistakes? And how can you know assets you should set aside to generate the income needed to retire? Learn about the Five Minute Retirement Plan and why it’s an invaluable resource to leverage as you’re planning your retirement. The most common mistake people make when planning their retirement is assuming that the way wealth was created is the same way they should hold wealth in retirement, with the added twist of

Jan 19, 2022 • 10:28

Most Important Retirement Number (Not How Much Money Is In Your Portfolio)

Most Important Retirement Number (Not How Much Money Is In Your Portfolio)

Most people think about what investments they should be making or what stocks they should have in their portfolio when they approach retirement age, but they are going about it backwards. Brian Skrobonja breaks down the calculations you need to make in order to understand how ready you are for retirement and what your retirement plan needs to factor in to be truly financially free. How do you know when it's safe to retire? The answer depends on your plan and understanding the most important num

Jan 12, 2022 • 10:21

The Counterintuitive Truth About Becoming Financially Free in the New Year

The Counterintuitive Truth About Becoming Financially Free in the New Year

What can you do right now to make this year the best year financially that you've ever had? And what is the one thing that makes some people achieve financial freedom faster than others? Learn about the simple mindset shift that will change the way you think about financial freedom and a quick mental exercise you can do to make that shift right now. There is a hidden danger that most people don’t even realize is a risk to their wealth and it’s the status quo. The slow slide of entropy limits yo

Jan 5, 2022 • 12:01

Ep 49: Your Legacy, Your Wealth, Your Choice - Encore

Ep 49: Your Legacy, Your Wealth, Your Choice - Encore

The Chinese proverb “rags to rags in three generations” says that family wealth does not last for three generations. The first generation makes the money, the second spends it and the third sees none of the wealth.   The Chinese aren’t the only ones who acknowledge this as a problem. In the U.S. it is referenced as “shirtsleeves to shirtsleeves in three generations,” and in Japan it’s “rice paddies to rice paddies in three generations.”   These sayings contradict what I hear clients tell me they

Dec 29, 2021 • 13:31

Ep 48: Living a Life of Abundance after Retirement - Encore

Ep 48: Living a Life of Abundance after Retirement - Encore

When I talk about my definition of retirement, I think it sometimes catches people off guard.   In my mind, retirement is not who you are or where you’re at in life, rather it is the transition of your time and money.    In other words, it is a process you go through … not your identity.   The transition for money is a transition from accumulating money to utilizing it.    For time, it is a transition of reallocating the 40-plus hours per week you spent working.   This distinction of what retire

Dec 22, 2021 • 11:06

Ep 47: The Five Signs Of An Immature Investor - Encore

Ep 47: The Five Signs Of An Immature Investor - Encore

We all have blinders about various things in our life that leave us blind to things we do not know or understand. What is a blinder?  Well, it could be a bias about something, it could be a protection mechanism to ignore something, it could be immaturity about something or it could simply be ignorance of not knowing any better.  In fact, what I have found is that for most people who are experiencing investing immaturity is that once they are provided more education about how to invest, they ofte

Dec 15, 2021 • 12:57

Ep 46: Hamsters, Banks and Snowballs

Ep 46: Hamsters, Banks and Snowballs

We often hear the mantra that debt is bad. Yet that doesn’t stop the majority of people from assuming they will always have bank payments.  For many, using credit to purchase vehicles, take vacations or fund home improvement projects is a normal mindset for making their lifestyle work. They believe borrowing money to fill income gaps is the answer to supporting their lifestyle. In reality, it enters them into a money hamster wheel, which means they work to earn a paycheck and then spend the mone

Dec 8, 2021 • 10:55

Ep 45: Why I'm Not a Fan of 401(k)s

Ep 45: Why I'm Not a Fan of 401(k)s

Employees love their 401(k)s, but love can be blind. These plans are riddled with traps, restrictions and caveats that are not apparent until you attempt to access your money out of the plan. Retirement savers need to open their eyes to some serious flaws built into these accounts. A 401(k) is a type of employer-sponsored retirement savings plan utilized in for-profit organizations. Related types of plans are the 403(b), used in not-for-profit and education, and 457 plans, designed for governmen

Dec 1, 2021 • 10:53

Ep 44: What To Do With Cash In A Low Interest Rate Environment

Ep 44: What To Do With Cash In A Low Interest Rate Environment

Finding Yield In a Low Interest Rate Environment    It is no secret that savers are having a difficult time knowing how and where to hold their cash in this low interest rate environment.  Storing money in traditionally “safe” places no longer makes sense and has pushed some into more risky alternatives — such as fixed income securities like bonds and, in some cases even the stock market — in search of yield. However, while fixed income securities may offer a potentially higher yield than deposi

Nov 24, 2021 • 9:31

Ep 43: Kids, Puzzles and Cash Flow

Ep 43: Kids, Puzzles and Cash Flow

When my kids were growing up, many days my wife would sit with them on the floor putting puzzles together. They would laugh and talk as they worked together arranging the pieces to create the picture on the box. When the kids were young, the puzzles consisted of 20 pieces that could be put together without much need for the picture on the box. The older the kids got, the more complex the puzzles became and the more important the picture became for them to fully study, understand and refer back t

Nov 17, 2021 • 7:35

Ep 42: Your Legacy, Your Wealth, Your Choice

Ep 42: Your Legacy, Your Wealth, Your Choice

The Chinese proverb “rags to rags in three generations” says that family wealth does not last for three generations. The first generation makes the money, the second spends it and the third sees none of the wealth.   The Chinese aren’t the only ones who acknowledge this as a problem. In the U.S. it is referenced as “shirtsleeves to shirtsleeves in three generations,” and in Japan it’s “rice paddies to rice paddies in three generations.”   These sayings contradict what I hear clients tell me they

Nov 10, 2021 • 13:31

Ep 41: Wealth Strategies For Successful Entrepreneurs

Ep 41: Wealth Strategies For Successful Entrepreneurs

I’m an entrepreneur and just so happen to be in the business of providing other entrepreneurs with financial advice.   But I don’t typically offer up the usual status quo advice that tells you to do things that aren’t always in alignment with growing your business.   My views originate from my experiences and at times are contrarian to what’s being recommended by the usual tax preparer and other financial advisers, because I am in the trenches running a business just like you.   I know what it t

Nov 3, 2021 • 11:58

Ep 40: Living a Life of Abundance after Retirement

Ep 40: Living a Life of Abundance after Retirement

When I talk about my definition of retirement, I think it sometimes catches people off guard.   In my mind, retirement is not who you are or where you’re at in life, rather it is the transition of your time and money.    In other words, it is a process you go through … not your identity.   The transition for money is a transition from accumulating money to utilizing it.    For time, it is a transition of reallocating the 40-plus hours per week you spent working.   This distinction of what retire

Oct 27, 2021 • 11:06

Ep 39: The Five Signs Of An Immature Investor

Ep 39: The Five Signs Of An Immature Investor

We all have blinders about various things in our life that leave us blind to things we do not know or understand. What is a blinder?  Well, it could be a bias about something, it could be a protection mechanism to ignore something, it could be immaturity about something or it could simply be ignorance of not knowing any better.  In fact, what I have found is that for most people who are experiencing investing immaturity is that once they are provided more education about how to invest, they ofte

Oct 20, 2021 • 12:57

Ep. 38: The First Domino

Ep. 38: The First Domino

00:00 – Opening 1:03 – Joe's Story 11:10 – How The Dominos Fall 12:28 – Brian's Final Thoughts On this episode, Brian shares a story about Joe and his mental tug of war about how to best utilize his cash assets… Pay off a mortgage? Keep the cash in the bank? Build Wealth? Listen to the podcast to hear the full story and Brian’s thoughts about the situation. “Every financial decision you make – big or small - is like the first domino, each decision has a domino effect and it is best to see how th

May 3, 2021 • 14:22

Ep. 37: Overcoming Stressors That Limit Success

Ep. 37: Overcoming Stressors That Limit Success

The truth is that we all, as human beings, carry around this proverbial backpack of beliefs and emotions, and we carry it everywhere we go. And when we show up somewhere that's in a relationship and a conversation having to make a decision, we unpack the backpack. There's no hiding the backpack. It's with us all the time. It is full of of a lot of good things, but mixed in with it our limited beliefs that can wreak havoc with our decision making. These beliefs are just an accumulation of informa

Feb 17, 2021 • 43:48

Ep. 36: Legal Work (Estate Planning) And Why It Matters-  An Interview With Jessie Naeger

Ep. 36: Legal Work (Estate Planning) And Why It Matters- An Interview With Jessie Naeger

You hear me reference and emphasis the importance of having a financial plan in nearly every topic we cover and estate planning is an area of that plan discussed in todays podcast. In this episode of The Common Sense Financial Podcast, I have a conversation with Jessie Naeger of the Law Office of Andrew Weinhaus about estate planning and other important consideration for protecting your estate. Jessie and I have worked on several client cases together over the years and I felt bringing her on to

Jan 6, 2021 • 44:01

Ep. 35: Markets And The Presidential Election - An Interview With Daniel Wildermuth

Ep. 35: Markets And The Presidential Election - An Interview With Daniel Wildermuth

Traditional public markets have been historically viewed as normal when it comes to investing but over the last decade we have seen a shift in this attitude toward finding alternatives to the stock market. Though we have been seeing a shift in investor behavior and attitude about markets for quite some time, COVID has brought a sense of urgency to the conversation for finding an alternative to traditional markets. And it is not difficult to understand why. The abrupt volatility that investors ha

Oct 21, 2020 • 41:21

Ep. 34: Is Having Wealth OK?  A Biblical Perspective | Interview with Pastor Kenny Qualls

Ep. 34: Is Having Wealth OK? A Biblical Perspective | Interview with Pastor Kenny Qualls

I am sure you would agree that if you talk with ten people regarding any subject, you're liable to get ten differing opinions from those people. Opinions are everywhere and I believe they are the #1 reason most people live their entire lives thinking a lot of things are true when they are actually false. I became a Christian in November of 1998, I was operating my financial business and raising kids while learning as much as I could about my new faith as a Christian. What I learned fairly quickl

Sep 16, 2020 • 35:51

CSFP 033 | The #1 Thing That Successful Investors Are Doing That Average Investors Aren't

CSFP 033 | The #1 Thing That Successful Investors Are Doing That Average Investors Aren't

CSFP 033 | The #1 Thing That Successful Investors Are Doing That Average Investors Aren't by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

Jun 19, 2020 • 21:48

CSFP 032 | 5 Successful Behaviors During This Time Of Social Distancing And Virtual Workplaces

CSFP 032 | 5 Successful Behaviors During This Time Of Social Distancing And Virtual Workplaces

One thing I have learned over the last six months during a time of growing markets and economy to a sudden shift of social distancing and virtual workplaces due to the covid-19 pandemic, is that people are motivated by two emotions, Fear and Greed. I know reading this can almost seem insensitive or downright offensive but it’s the truth. Think about it... As a parent, business owner, friend, employee, spouse or neighbor, our emotions can lead us into making decisions that we can reflect back on

Jun 19, 2020 • 12:15

CSFP 031 | The 6 Biggest Mistakes (And How To Avoid Them)

CSFP 031 | The 6 Biggest Mistakes (And How To Avoid Them)

“The Truth Will Set You Free!” This is a phrase we have all heard and it originated in the New Testament in John 8:32, when Jesus said to the new believers, “you will know the truth, and the truth will set you free.” Whether you are trying to figure out the destination of your soul and the meaning of life or simply trying to figure out how to be smart with money and build real wealth, you have to know the truth. You have to know what is real and not just theory, what is fact and not fiction, wha

Mar 6, 2020 • 13:32

CSFP 030 | The "Secret" For Achieving Financial Independence

CSFP 030 | The "Secret" For Achieving Financial Independence

The most wealthy and financially independent people I know realize something that most people don’t. They realize that wealth…true financial independence… is not found in the amount of money that you have. That is what most people believe… they think that if they have a lot of money saved that they will have this sense of independence. And there is some truth to that…accumulating a lot of money is a great accomplishment in this consumer driven society. In this podcast I want to share with you th

Feb 11, 2020 • 13:59

CSFP 029 | The Best Pension Option For Maximum Results In Your Retirement

CSFP 029 | The Best Pension Option For Maximum Results In Your Retirement

Pensions are becoming more and more of a dinosaur as companies are moving away from them and are replacing them with 401k type plans. There are multitudes of reason why this shift is occurring but the primary reason is due to the simple fact that pensions are unsustainable. Pension had their hay day in the 1960s but began to fail opening the door for the government to enter the picture. The truth is, pensions have been struggling to keep their head above water ever since and outside of governmen

Jan 7, 2020 • 13:59

CSFP 028 | Little Known Strategies Every Entrepreneur Should Know

CSFP 028 | Little Known Strategies Every Entrepreneur Should Know

The goal of every business owner is to increase and expand income sources and grow profits while minimizing what is needed to generate the income. To grow your income, you can do more of what it is that you do that creates revenue or find ways to tweak your systems that will result in an increase in cash flow without the need to create more revenue. Know and understand your cash flow needs. Plugging leaks in your spending can increase cash flow and your ability to invest back into your company.

Dec 3, 2019 • 11:08

CSFP 027 | 9 Basic Principles For Managing Your Money

CSFP 027 | 9 Basic Principles For Managing Your Money

Money is a HUGE part of our life yet schools don’t spend time teaching us how to manage it and most families don’t share their experiences with one another. Without guidance and learning best practices to achieve success, we are set up for FAILURE before we even begin our relationship with money. It seems reasonable to believe that it would be a good idea to acquire some training on how to effectively think about and handle money BEFORE we get started. These are a few basic points about handling

Oct 31, 2019 • 10:29

CSFP 026 | Do You Have Life Insurance As An Asset Class In Your Portfolio?

CSFP 026 | Do You Have Life Insurance As An Asset Class In Your Portfolio?

It’s interesting to me how little people really know about life insurance. Most people when they think of life insurance they think about its use to protect families, pensions, liabilities and business. But there are other uses such as banking, retirement, tax reduction, long term care and portfolio diversification that is not often considered when thinking about life insurance. I think one of the limitations people have about life insurance is its complexity but its also the negativity that sur

Oct 1, 2019 • 14:14

CSFP 025 | Our Mindset And The Effect It Has On Our Finances

CSFP 025 | Our Mindset And The Effect It Has On Our Finances

The older I get the more I realize the impact our mindset has on every aspect of our life including our finances. What you think about, what you believe and the way you go about making decisions and living life is a direct result of how we think. We all know that there is no shortage of information and opinions on the topic of money. Turn on the TV and you are inundated with commercials for products, services, books and seminars that are screaming for your attention. How do we process so much in

Sep 24, 2019 • 13:25

CSFP 024 | The Family Office Model

CSFP 024 | The Family Office Model

CSFP 024 | The Family Office Model by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

Aug 19, 2019 • 11:30

CSFP 023 | The Biggest Threat To Retirees

CSFP 023 | The Biggest Threat To Retirees

In this podcast we will discuss nine specific threats that are always lingering and are threatening your cashflow. Inflation, sequence of returns, unfilled income gaps, market risk, interest rate risks, taxes, long term care expenses, rising health care costs, technology and medical advancements are all real concerns that you need to think about. These are without a doubt the biggest threats and if left unchecked can really cause problems for retirees who have not planned well to overcome them.

Jun 25, 2019 • 11:08

CSFP 022 | Wall Street Is Broken

CSFP 022 | Wall Street Is Broken

CSFP 022 | Wall Street Is Broken by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

Apr 26, 2019 • 12:35

CSFP 021 | Goal Setting And New Years Resolutions

CSFP 021 | Goal Setting And New Years Resolutions

In this episode, Brian discusses best practices for starting the new year off right and using techniques to help increase the chances of success of you achieving your goals. Brian walks through his 'Five F's' and explains a simple way to get organized with your thoughts and put a plan in place to have a successful 2019.

Dec 19, 2018 • 8:51

CSFP 019 | A Behind The Scenes Look Into A Client Case

CSFP 019 | A Behind The Scenes Look Into A Client Case

In this podcast, Brian breaks down a client case to give listeners a behind the scenes look into how he is able to help clients achieve their financial goals and help them retire and live with confidence.

Nov 28, 2018 • 9:24

CSFP 020 | The Four Headwinds That Could Ruin A Retirement Plan

CSFP 020 | The Four Headwinds That Could Ruin A Retirement Plan

CSFP 020 | The Four Headwinds That Could Ruin A Retirement Plan by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

Nov 8, 2018 • 16:11

CSFP 018 | Retirement Is Not An Age

CSFP 018 | Retirement Is Not An Age

I had a thirty year old client make a comment to me recently about retirement. She said it was too far off to think clearly about it and made a point to say it is 30 years from now. Why do people believe that retirement is at 62 or 65? I think it is simply because it is the status quo. It doesn't have to be this way!

Aug 22, 2018 • 7:50

CSFP 017 | What The Wealthy Do Differently

CSFP 017 | What The Wealthy Do Differently

You will be surprised to learn who the world's greatest investors actually are. The way that they manage money is entirely different than the way the typical person manages money. They're not going online and using a computer to just answer 10 questions and have it produce a risk tolerance that they plug into an automatic portfolio for a few. The wealthy are doing it differently.

Aug 3, 2018 • 16:47

CSFP 016 | How Financial Advisors Are Paid

CSFP 016 | How Financial Advisors Are Paid

2018 marks Brian's 25th year in business and with that comes a lot of experience working with other financial advisors. Some of those experiences are good while some of them, well, not as good. The truth is that there are many people in the financial services business that are truly helping people. They are sincere and put their best foot forward trying to help. However, not all financial advisors are alike.

Mar 29, 2018 • 12:13

CSFP 015 | How Much To Save For Retirement

CSFP 015 | How Much To Save For Retirement

In this episode of the Common Sense Financial Podcast, Brian discusses one of most frequently asked questions, how Financial Advisors are paid.In this podcast, Brian discusses some of the biggest challenges people face today as they venture into the unknown of saving for retirement. Specifically, the question of 'how much to save' for retirement.

Mar 29, 2018 • 12:31

CSFP 014 | Tax Interview With CPA Kathy Ayres

CSFP 014 | Tax Interview With CPA Kathy Ayres

In this podcast, I interview one of our tax resources, Kathy Ayres. We discuss some tax strategies and some of the confusion around important tax decisions. Hopefully this will equip you to make informed decisions when the time comes. There are so many things to consider when it comes to planning how you are going to save your money, how you are going to use your money and how you will handle your tax liabilities.

Jan 24, 2018 • 28:38

CSFP 001 | Retirement Mindsets

CSFP 001 | Retirement Mindsets

There is so much information in circulation about what to do and what not to do with your money that it is causing many people to get confused about their options. You hear one thing from one person and then an entirely different thing from someone else and none of it seems to make sense after a while. In this podcast Brian explains what a mindset is and how you can use them when making financial decisions. Information provided is for illustrative purposes only and does not constitute investment

Aug 25, 2017 • 20:01

CSFP 013 | Reducing the Mystery Surrounding Mortgages with Brandon Smith

CSFP 013 | Reducing the Mystery Surrounding Mortgages with Brandon Smith

Mortgages is an area that many people seem confused about and often ask a lot of questions. Today the goal is to reduce the mystery around mortgages and to do this I have Brandon Smith with us who has a been a great resource for me over the years to help clients with their mortgage needs. Brandon is the branch manager and senior loan officer for New American Funding in Clayton, Missouri.

Aug 16, 2017 • 35:54

CSFP 012 | Estate Planning Legal Work - An Interview with Attorney Andy Weinhaus

CSFP 012 | Estate Planning Legal Work - An Interview with Attorney Andy Weinhaus

CSFP 012 | Estate Planning Legal Work - An Interview with Attorney Andy Weinhaus by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

Jul 31, 2017 • 29:29

CSFP 011 | Your Mindset, Your Money, Your Future - Interview With Mike Lindstrom

CSFP 011 | Your Mindset, Your Money, Your Future - Interview With Mike Lindstrom

In this podcast, we had the opportunity to interview Business and Relationship Coach, Mike Lindstrom. Mike earned his JD from California Western School of Law and worked right out of college as a consultant with Tony Robbins Organization. He has been interviewed on FOX, CNN and HLN and speaks regularly at corporate events on behavioral skills for success in leadership. Throughout my blogs, podcasts and videos you hear me talk a lot about mindsets. I touch on this a lof because mindsets are a way

Jul 25, 2017 • 23:34

CSFP 010 | Defining Your Investment Philosophy

CSFP 010 | Defining Your Investment Philosophy

As with most things, many of us want a quick fix or quick answer to our questions. What I have learned is that not everything can be answered with a quick cookie cutter answer. For Instance, I am often asked 'What should I be investing in?'. Well, if I was simply trying to sell books or give a simple cookie cutter approach to investing, then this would be easy to respond to because I would say the same thing to everybody who asks. Every investor operates with varying degrees of knowledge and exp

Jun 19, 2017 • 14:42

CSFP 009 | Part 2 - Generational Planning

CSFP 009 | Part 2 - Generational Planning

I recently published my second book titled 'Generational Planning - Creating and perpetuating wealth for generations'. I wrote the book for a number of reasons, but primarily it was to help educate the public about what planning your estate really means. There is a lot of limiting thinking when it comes to transferring assets to the next generation. I want to lift the fog on this topic and provide some light on how to think this through.

May 23, 2017 • 16:35

CSFP 008 | Part 1 - Generational Planning

CSFP 008 | Part 1 - Generational Planning

If you have a living mother, father, grandparents, brothers, sisters, children or grandchildren then this is a topic that could be beneficial for you. There is never a one size fits all solution for how a generational plan is to be arranged. Family dynamics, their belief system, and their financial situation will dictate the details of a plan. The framework of a generational plan begins with the mindset of thinking beyond and accepting a broader vision for what is possible.

May 15, 2017 • 19:21

CSFP 007 | An Alternative Banking Option

CSFP 007 | An Alternative Banking Option

This podcast is the first of it's kind in this series because Brian discusses a very specific strategy for handling your cash flow. The past few podcasts have been about cashflow and how banks work and some common financial myths that are considered mainstream. This podcast attempts to bring them all together. Brian digs deeper in how money flows in and out of your life and will discuss how to use privatized banking or infinite banking to capitalize on your cash flow.

Apr 25, 2017 • 19:05

CSFP 006 | What To Know About How Banks Work

CSFP 006 | What To Know About How Banks Work

In this episode, Brian lifts the hood on banks and shines a light on a few things that you may not be aware of. While we use banks nearly everyday, very few people know and understand how they really work. It's A Wonderful Life - https://www.youtube.com/watch?v=iPkJH6BT7dM Dana Loesch Interview - https://www.youtube.com/watch?v=t_skdx_HuX8

Apr 10, 2017 • 15:29

CSFP 005 | Busting Common Myths

CSFP 005 | Busting Common Myths

If things you thought were true were actually false, when would you want to know? We are told things all the time that seem to be good, but in the end may not actually be true and may doing more harm than good. In this episode, Brian busts some common myths and challenges mindsets around the status quo that would lead us to believe are non negotiable topics.

Mar 27, 2017 • 25:15

CSFP 004 | What Is Cashflow?

CSFP 004 | What Is Cashflow?

Today we discuss how money flows in and out of our life and why understanding your cash flow is the most important part of our financial planning. We live in a world where there are more and more external things that keep much of our financial life out of our control. For more information, visit www.SkrobonjaFinancialGroup.com CASH FLOW WORKSHEET:: https://www.skrobonjafinancialgroup.com/shownotes

Feb 2, 2017 • 12:50

CSFP 003 | Social Security and Medicare with Rich Grawer

CSFP 003 | Social Security and Medicare with Rich Grawer

Today's podcast is an interview with our Social Security resource, Rich Grawer. Over the last ten years, he has been a student of Social Security and if you have ever been around him, you know that he is passionate about teaching people. This episode includes some of the most common questions that Brian is asked regarding Social Security and Medicare.

Feb 2, 2017 • 34:51

CSFP 002 | Positioning Your 401k and Pension Assets

CSFP 002 | Positioning Your 401k and Pension Assets

CSFP 002 | Positioning Your 401k and Pension Assets by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

Jan 26, 2017 • 22:42

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