FINANCE LEADERS | Retirement Insights

🎙️ Episode Title: From Financial Junk Drawers to Family CFOs: Beverly Krzmarcik on Building Strategy, Stewardship, and Peace of MindWhen it comes to money, most families don’t struggle with earning—it’s with organizing, aligning, and truly enjoying what they’ve worked so hard for. In this episode of Finance Leaders Retirement Insights, Daniel sits down with Beverly Krzmarcik, founder of Your Virtual CFO, to explore how she helps high-income professionals and families bring order, clarity, and purpose to their financial lives.Beverly shares her journey from discovering a natural talent for numbers in university to building a career as a trusted “family CFO.” Her approach goes beyond spreadsheets, focusing on strategy, stewardship, and creating space for families to ask the deeper questions about money, vocation, and purpose.You’ll hear how she helps clients avoid the dreaded “financial junk drawer,” why enjoying money today is just as important as saving for tomorrow, and how faith and family experiences—including raising a child with cystic fibrosis—have shaped her philosophy of balancing risk, resilience, and joy.  💡 What You’ll Learn in This Episode: - Why most families have a “financial junk drawer” and how to finally organize it - How the family CFO model differs from traditional financial advising - The importance of coordination between tax, insurance, investments, and estate planning - Why financial strategies should balance enjoying today with planning for tomorrow - Insights into multigenerational planning and legacy stewardship - How faith, family, and leadership shape Beverly’s work and vision  About Beverly Krzmarcik: Beverly Krzmarcik is the founder of Your Virtual CFO, where she serves as a family CFO for high-income professionals, executives, and entrepreneurs across Canada. With over a decade of experience in financial planning and strategy, Beverly specializes in helping clients align their resources with their values—whether that’s protecting their families, planning for retirement, or creating multi-generational wealth. Grounded in her own family’s story of faith and resilience, Beverly brings a uniquely human perspective to financial leadership. She believes money should be both managed wisely and enjoyed fully, and she empowers her clients with the clarity and confidence to do both.  Connect with Beverly Krzmarcik: 📍 Location: Calgary, AB 🌐 Website: yourvirtualcfo.ca 💼 LinkedIn: linkedin.com/in/beverlykrzmarcik 📱 Facebook: Your Virtual CFO 🎧 About the Finance Leaders Podcast Hosted by Daniel Hanzelka, the Finance Leaders Podcast brings you authentic, story-driven conversations with advisors who are redefining what it means to lead in the world of finance. No fluff. No product pitches. Just real people making a real impact. 🌐 More Episodes: https://financeleaderstv.com 📥 Be a Guest: https://financeleaderstv.com/apply 

In this episode of Finance Leaders, David shares how growing up without financial guidance shaped his mission to serve. We dive into trust, tax traps, and why real advisors show up for the whole person, not just their portfolio. 🎙️ Why Real Advisors Lead with Clarity, Not Just Products — Featuring David Mares | Finance Leaders Podcast What happens when your financial advisor becomes your lifelong partner? In this episode of Finance Leaders: Retirement Insights, host Daniel Hanzelka sits down with David Mares, founder of Socius Wealth Management, for a powerful and personal conversation about what truly drives great financial advice. David shares his journey from a blue-collar upbringing to building a boutique firm that focuses on real relationships—not transactions. You’ll hear why he believes most families are underserved, how trust is built during major life transitions, and why clarity—not complexity—is the key to successful retirement planning. 💡 In This Episode, You'll Discover: Why most people never got the financial education they needed — and how David aims to change that The emotional side of money most advisors ignore How David helps clients navigate unexpected life events (like moving states or losing a job) The hidden tax traps that often surprise business owners and pre-retirees What it takes to be more than just an “annual check-in” advisor  About David Mares David Mares is the founder of Socius Wealth Management, a boutique financial advisory firm based in Phoenix, AZ. Known for his calm presence, strategic thinking, and client-first mindset, David serves high-income professionals, business owners, and families navigating major financial transitions. 📍 Location: Phoenix, Arizona 🌐 Website: https://sociuswealthmgt.com 🔗 LinkedIn: https://www.linkedin.com/in/david-mares-swm 📞 Contact: 602-317-5332 🎧 About the Finance Leaders Podcast Hosted by Daniel Hanzelka, the Finance Leaders Podcast brings you authentic, story-driven conversations with advisors who are redefining what it means to lead in the world of finance. No fluff. No product pitches. Just real people making a real impact.🌐 More Episodes: https://financeleaderstv.com 📥 Be a Guest: https://financeleaderstv.com/apply  #DavidMares #FinanceLeaders #RetirementPlanning #FinancialAdvisor #TaxPlanning #BusinessOwnerWealth #ClientFirstAdvice #SociusWealth

Today's Guest | Dan NicholsonLinkedIn: www.linkedin.com/in/dan-p-nicholsonA serial entrepreneur since birth, Dan Nicholson is the author of “Rigging the Game: How to Achieve Financial Certainty, Navigate Risk and Make Money on Your Own Terms,” deemed a best-seller by USA Today and The Wall Street Journal. In addition to founding the award-winning accounting and financial consulting firm Nth Degree CPAs and being named a top 40 under 40 accountant globally 4 times, Dan has created and run multiple small businesses, including Certainty U and Certainty News, a platform that’s syndicated to over 1 billion monthly users. Dan also hosts the (un)conventional wealth podcast, and is a Consulting Producer for PBS’ Opportunity Knocks. He lives in Seattle with his wife and two children. Dan is far from your typical CPA, making him an educational, entertaining and just plain fun guest

Today's Guest | Lindsey LewisLinkedIn: www.linkedin.com/in/lindseycarolynLindsey Lewis has built a career around women and money. As a Chartered Financial Consultant® (ChFC®) and CFP® Professional, she empowers women to take control of their financial futures. In her role as Managing Director and Chair of the American College Center for Women in Financial Services, she champions diversity within the financial services industry.  In 2024, Lewis was honored with the Female Trailblazer of the Year award by InvestmentNews, recognizing her significant contributions to financial education and her efforts to change the demographics of client-facing advisors in finance. Additionally, she was named one of Aspioneer's Inspiring Leaders in Finance for 2024, underscoring her leadership and influence in the sector.  Lewis led the Women Working in Wealth® initiative, which included a community, podcast, and exclusive events aimed at supporting and advancing women in the financial sector. Her dedication has previously earned her a place on InvestmentNews's 2021 40 Under 40 list and the Excell Represents Rising Star Woman in Wealth Management award.  Beyond her professional endeavors, Lewis volunteers with $AVVY Ladies, a pro-bono financial planning nonprofit organization. She holds dual degrees in Personal Financial Planning and an MBA from Utah Valley University. Outside of her professional commitments, she enjoys practicing yoga, staying active through regular workouts, and cherishing time with her family as a mother of two.  Lindsey Lewis has built a career around women and money. She not only helps women take charge of their finances as a Chartered Financial Consultant® (ChFC®) and CFP® Professional, but she also stands as a champion for diverse women in the financial services industry in her role as Managing Director and chair of the American College Center for Women in Financial Services, a premier Center of Excellence focused on research and advocacy within The American College of Financial Services. At the forefront of industry transformation, she co-chairs The College’s Next Gen Advisory Taskforce, attracting new talent and fostering inclusivity. Lewis leads the Women Working in Wealth® social media channels, podcasts, and exclusive events. Because of her efforts, Lewis has been honored with the 2023 Investment News Hot List and 2021’s Investment News 40 Under 40 list. Lewis was also recognized as the recipient of Excell Represents Rising Star Woman in Wealth Management. She also volunteers with $AVVY Ladies, which is a pro-bono financial planning nonprofit, and holds two degrees from Utah Valley University: Personal Financial Planning and MBA.   In her free time, she enjoys practicing yoga, working out, and spending time with her family as a mom of two kids.

Today's Guest | Alex KouryLinkedIn: www.linkedin.com/in/alexanderkourycfp

Today's Guest | Danny ChabinoAfter having spent a working career as an entrepreneur primarily in retail, Danny entered the financial industry in 2017. He has had experience in nearly all parts of the investment and insurance areas. He now focuses on financial education as a part of The National Financial Literacy Campaign.LinkedIn: www.linkedin.com/in/danny-chabino-0a9811147

Today's Guest | Mark WagnerFacebook: www.facebook.com/AmericanAtlanticLLC

Today's Guest | Mike FaulhaberLinkedIn: www.linkedin.com/in/mikefaulhaberAbout Mike Growth is a word that describes so many areas of my life. Early in my life, I grew my resolve as a throwing dummy with the University of Northern Colorado wrestling team and tested my limits as a United States Marine Corps war veteran. Always focused on leveling up, I challenge my financial planning knowledge by committing to lifelong learning and embracing the fact that there is always more to learn. But growth isn’t just about my own personal development. Jim Rohn once said that the fastest and best way to get what you want is to help others get what they want. As a financial professional dedicated to coaching others, the bulk of my professional time is spent recruiting, mentoring, coaching, training, and developing financial advisors as they endeavor to build their practices with Lakeshore Financial Group - Rocky Mountains. My work brings me tremendous joy as I impact our industry, our clients, and our family. My Personal Mission Statement: I Provide Guidance and Understanding, Helping others Align their Actions with Intentions! I do this with honesty, integrity, and my BEST (Balance, Excellence, Service, and Truth). Michael Faulhaber is a Registered Representative and Investment Adviser Representative of/ and offers securities and investment advisory services solely through Equity Services, Inc. (ESI), Member FINRA/SIPC, 1 N. Franklin St., Suite 3450, Chicago, IL 60606, 312-236-2500. Lakeshore Financial Group is independent of ESI. In CO, MO, NH and WI, ESI operates as Vermont Equity Services, Inc.  TC7741937(0325)3

Today's Guest | Chris GaleskiFormer professional golfer. I was so good I am now a financial advisor. I am the director of growth and advice/partner at an RIA in CA. I love helping clients and team members gain confidence and succeed in life.LinkedIn: www.linkedin.com/in/chrisgaleski

Today's Guest | Mark DormanLinkedIn: www.linkedin.com/in/markjdorman

Today's Guest | Tom BaseyA life-long learner, a recovering engineer and project manager, I am now an entrepreneur, working in both the insurance and technology fields.LinkedIn: www.linkedin.com/in/tombaseyTom's Job Loss Checklist: payhip.com/b/n5khM

Today's Guest | Stephan ShatarahLinkedIn: www.linkedin.com/in/dandarahwealthmanagementstephan

Today's Guest | Tim WoodWebsite: SafeMoneyRetirement.comGet A Free copy of Tim's #1 bestselling book Safe Money Retirement: go.safemoneyretirement.com/smr-book-optinAbout Tim Wood TIM WOOD, Certified Financial Fiduciary® and Founder/President at Safe Money Retirement®, was raised and educated in Central Florida. After attending Valencia College, he worked for Walt Disney World as an audio/lighting/pyro tech, where he met his wife of over thirty years. He left Disney to get into the radio business in 1996 and—except for a few years running his own web design company and a couple years managing a drug store—has been involved in radio ever since. He moved his family to the beautiful Appalachian foothills of Johnson City, Tennessee, in 2007, where he hosts a weekly on-air radio show and podcast, The Safe Money Retirement Show, as well as Safe Money Retirement webinars—teaching retirees in multiple radio markets and all across America the basics they need to know in order to make informed choices about their retirement. Tim has been a trusted consultant for a great number of local business owners and high-net-worth individuals for well over two decades. He entered the retirement education field in 2017, after seeing a dire need for honest, independent, and easy-to-understand answers to the issues facing the Greatest Generation,the baby boomers, and every other generation hoping for a safe and prosperous retirement. As a consultant, business owner, and Certified Financial Fiduciary®, Tim has a passion for helping retirees or those planning for their retirement make smart choices regarding their retirement options, helping them ensure that their hard-earned retirement nest eggs remain safe from any market downturns, while providing them a guaranteed income they can never outlive. He is an invited author for ThinkAdvisor—a tool for those in the retirement industry—using his years of experience to help others with best practices and tips. Tim teaches classes on Safe Money Retirement at local colleges, and he takes his role as an educator seriously, firm in his belief that proper knowledge is the key to making smart choices. His primary focus is helping to educate those at or near retirement about their options for wealth preservation and income planning, and creating an overall financial plan that will help ensure his clients a stress-free retirement. His belief in complete transparency and honesty led him to his career as a Certified Financial Fiduciary® and continues to light his path in his daily interactions with clients. Tim is also a member of Ed Slott’s Master Elite IRA Advisor GroupSM, the nation’s leading source of accurate, timely IRA expertise and analysis to financial advisors, institutions, consumers, and media across the country. Understanding all the nuances involved with how every type of retirement plan works—and especially how they work with the ever-changing tax codes—is absolutely vital to ensuring that the plans he helps his clients develop are the best they can be. He is immediately notified of changes to the tax code and updates on retirement planning, so you can be sure your retirement dollars are safe from unnecessary taxes and fees. Additionally, membership gives him access to Ed Slott’s elite team of “America’s IRA Experts” to answer any tough tax or planning questions. Tim and his wife, Melissa, have one daughter, who is currently attending college. In their free time, the couple enjoys traveling to sporting events and concerts. Tim also enjoys giving back to his community as much as possible.

Today's Guest | Evan Drury● Travel Enthusiast● Husband and Father● Avid Reader● Financial Advisor With A Passion For Helping People Live Life Today and Be Confident About TomorrowLinkedIn: www.linkedin.com/in/evandruryTwitter/X: x.com/evanpdrury

Today's Guest | Domenick D'AndreaPhone Number: (516) 366-5847Email: [email protected]: www.linkedin.com/in/dandarahwealthmanagementdomenickWebsite: www.dandarahwealthmanagement.comDomenick D’Andrea is a Co-Founder and Financial Advisor at DanDarah Wealth Management. Domenick has specialized in investment advisory and financial planning to meet the specific needs of pre-retirees, retirees, and small business owners, with over 30 years of industry experience. DanDarah Wealth Management represents the culmination of an approach that combines responsible fiduciary services, excellent client service and innovative thinking. Domenick accomplishes this through utilizing and integrating new technological integrations. Domenick D’Andrea is an Accredited Investment Fiduciary, AIF®, a Certified Retirement Counselor, CRC®, and a Certified Plan Fiduciary Advisor, CPFA®, and he utilizes these designations in building his knowledge through annual training and CE to help serve his clients. He is also serving on the Certification Governing Commission Board as the Vice Chair for the CPFA®.Domenick believes that giving back to the community is vital. He is currently volunteering regularly with the Green Bronx Machine and Stars of Hope. He has spoken at numerous industry conferences, podcasts, and webinars on a variety of industry topics. His passions include spending time with his wife Lori, two children Christian and Alexa, and dog Cooper, Travel, and Photography.

Today's Guest | Shaunelle RoeberPhone Number: (563) 676-7519Email: [email protected]: www.goblazingstar.com

Today's Guest | Brandon BarilePhone Number: (813) 448-6766Email: [email protected]: www.rockportglobal.comAddress: 8309 Gunn Highway Tampa, Florida 33626 Hillsborough

Today's Guest | Mark PappaPhone Number: (860) 657-8380Email: [email protected]: www.frplan.comAddress: 140 Hebron Ave. Ste 101 Glastonbury, Connecticut 06033 Hartford

Today's Guest | David NietoPhone Number: (402) 517-7800Email: [email protected]: axessfinancial.comAddress: 5417 South 146 Street Omaha, Nebraska 68137 Douglas

Today's Guest | Tony De SantisPhone Number: (303) 717-4721Email: [email protected]: www.thedirecteffect.comAddress: 6201 Saddle Oak Trail Sarasota, Florida 34241 Sarasota

Today's Guest | Wally DarlingPhone Number: (720) 670-0283Email: [email protected]: www.lakewoodhillsinvestments.comAddress: 8480 East Orchard Dr Suite 2200 Englewood, Colorado 80111 Arapahoe

Today's Guest | Dan CroninPhone Number: (503) 404-4564Email: [email protected]: www.lifestylewealthmgmt.comAddress: 169 Kihapai St Kailua, Hawaii 96734 Honolulu

Today's Guest | Shaunelle RoeberPhone Number: (563) 676-7519Email: [email protected]: www.goblazingstar.com

Today's Guest | Andrej KandusPhone Number: (650) 308-9399Email: [email protected]: www.skygoldfinancial.comAddress: 1150 Brickyard Cove Rd Suite B11 Point Richmond, California 94801 Contra Costa

Today's Guest | Steve RedelspergerPhone Number: (612) 237-1054Email: [email protected]: linkedin.com/in/steveredelspergerAddress: 5608 Colfax Avenue South, Minneapolis, Minnesota, 55419