Ideas by Mike™

Is your financial advisor still stuck in the 1960s? In this episode of Ideas by Mike™, host Mike Milligan, CFP sits down with Eric Runge, a third-generation entrepreneur and founder of Veritas Wealth, to discuss the institutionalization of financial planning and why standard commoditized products like the 60/40 portfolio are failing modern investors.

In this episode of Ideas by Mike™, financial therapist Erica Wasserman joins host Mike Milligan, CFP to explore the emotional side of retirement planning. Moving beyond just the spreadsheet, they discuss the concept of "Phase Three," how childhood "money scripts" unconsciously influence adult financial decisions, and the importance of aligning retirement visions as a couple. Erica provides practical frameworks—including her M.O.N.E.Y. communication method—for navigating tough conversations and setting healthy boundaries, emphasizing that a successful retirement is an emotional journey built on purpose, values, and intentionality.

Stop focusing only on the spreadsheet and start designing a life that matters. Join Mike Milligan, CFP® and design sociologist Dr. Gary David as they explore the human side of retirement, from navigating the “identity cliff” to the sociology of meaningful moments. Learn how to transition from a job title to a purposeful new chapter, bridge the communication gap with your spouse about legacy and money, and create “storyable” experiences that last a lifetime. Whether you are a pre-retiree or already in your next phase, discover why retirement is a sociology project, not just a financial one. Watch it on YouTube and don’t forget to subscribe for more! About our Guest: About our Guest: Dr. Gary David is a professor of sociology and experience design at Bentley University, where he has taught for over 25 years. He holds a PhD in sociology from Wayne State University and specializes in the intersection of how humans relate to one another and the art of designing meaningful experiences. As a design sociologist, keynote speaker, and host of the Experience by Design podcast, Dr. David studies how individuals build connection, belonging, and meaning, particularly during major life transitions like retirement. His professional background also includes judging international customer experience awards and applying his expertise in conversational analysis and linguistics to help people navigate the complex human elements of work, identity, and personal relationships. Websites: https://www.garycdavid.com/ | https://garyconnects.com/ LinkedIn: Gary C. David   **We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!**

In this episode of Ideas by Mike™, Mike Milligan, CFP® sits down with Dr. Ives Machiz, PhD, CFP®, a fee-only pioneer, shares lessons from 4 careers on retiring into purpose. Learn how coaching and financial education build self-sufficiency & reduce anxiety.

Are you endlessly consuming financial content but still feeling stuck? In this special solo episode of the Ideas by Mike podcast, Mike Milligan, CFP® takes a step back to connect the dots. Over the last fifteen episodes, we’ve explored wealth, health, fear, and communication—but how do all these pieces actually fit together into a real, actionable plan for your future? Join Mike as he bridges the gap between cheap information and rare transformation. You won’t hear any guests today, just a powerful look back so we can look forward to the next level of the show. Discover why building a “one-of-a-kind life” is about much more than just a spreadsheet, and find out the single most important question you need to ask yourself to finally get unstuck. Stop doom-scrolling and start planning. Subscribe to our YouTube and Tune in to find your starting line! Also Get the Book “The One of a Kind Financial Plan” on Amazon: https://a.co/d/hAOPAgM #moneymanagementpodcast #financialplanningpodcast #Finance #Inflation #RetirementPlanning #EconomicHistory #IdeasByMikePodcast

Are your childhood memories secretly managing your money? We ALL have these stories. On this week’s episode of the Ideas by Mike podcast, I sat down with Dr. Megan McCoy, one of the top academic minds in financial therapy. We went deep into the psychology of how we handle money across every generation. Dr. McCoy even shared her own vulnerable money story about how wanting to “save the world” made her think she had to take a vow of poverty—and how she rewrote that narrative. It was absolute podcast gold. If you’ve ever felt paralyzed by a financial decision, or if you’re arguing with your spouse about money, this episode is basically a free therapy session. Connect with Dr. Megan McCoy: LinkedIn: https://www.linkedin.com/in/megan-mccoy-phd/ Watch the full episode here: YouTube Link To learn more about us, visit www.1oakfinancial.com   |  Don’t forget to subscribe to our YouTube Channel for latest updates!

Is your wealth over-concentrated in company stock? In this episode of Ideas by Mike podcast, host Mike Milligan, CFP, sits down with Keshav Kolur—a former software engineer at Amazon and Meta who walked away from the cubicle to build Clive Capital. Keshav reveals how he applies a “tech brain” to evaluate real estate, oil, and gas deals to minimize downside risk. If you are a high-income earner who is “time poor but cash rich,” this episode is your blueprint for rewriting your financial story through passive income and sophisticated tax strategies. In this episode, you’ll learn: Why tech employees are often dangerously over-concentrated in RSUs. The specific “engineering guardrails” Keshav uses to vet private equity deals. How to legally and ethically slash your tax bill through alternative assets. The journey from Georgia Tech robotics to managing a multi-million dollar fund of funds. Alternative Investments 2026 and the Passive Income for Tech Employees. Real Estate Syndication Strategies and how to do RSU Diversification. Tax Saving Strategies for High Earners. Meta & Amazon Employee Wealth. Oil and Gas Passive Income and doing Engineering Mindset in Investing. Connect with Keshav Kolur: Website: https://www.clivecap.com LinkedIn: https://www.linkedin.com/in/keshavkolur Free Resource: 100+ Question Due Diligence Checklist – https://www.clivecap.com/alternative-assets Watch the full episode here: YouTube Link To learn more about us, visit www.1oakfinancial.com   |  Don’t forget to subscribe to our YouTube Channel for latest updates!

In Episode 48 of Ideas by Mike podcast, Mike Milligan, CFP sat down with Ronnie Sadka, Chair of the Finance Department at Boston College and co-founder of MKT MediaStats. We dove deep into a fascinating concept he calls “Narrative Momentum.” We humans have bounded rationality—we simply cannot process the millions of articles, tweets, and news stories published every single day. Because of this, the market often underreacts to a narrative as it slowly gains traction. Ronnie’s research uses technology to systematically analyze these narratives, identify which topics are gaining momentum, and correlate them with asset class returns. It’s not about guessing what the next big thing will be; it’s about systematically measuring what the world is already talking about, and positioning your portfolio accordingly. In this episode, we cover: How “Narrative Momentum” differs from traditional price momentum. The danger of the “trampoline effect” (why buying the dip isn’t always smart). How technology is bridging the gap between academic theory and actionable trading strategies. If you want to understand how the flow of information is actively moving markets, you need to hear Ronnie break this down. Watch the full episode here: YouTube Link To learn more about us, visit www.1oakfinancial.com   |  Don’t forget to subscribe to our YouTube Channel for latest updates!

Cut through the “sea of sameness” in financial advice by using communication as your competitive edge. In this episode of Ideas by Mike (Ep. 47), Mike Milligan, CFP, talks with communication expert Deirdre Van Ness about the three common mistakes advisors make, why effective speaking starts with strong content and emotional resonance, and how AI and gender dynamics are shaping the industry.  Main points: three advisor mistakes, content-first speaking, emotional connection, AI’s role, fewer women in finance. Like, comment, and subscribe for more episodes on financial communication and advisor growth. Episode Summary: This episode of Ideas by Mike features Deirdre Van Ness discussing how financial advisors can escape the “sea of sameness” through powerful communication. Main Topics: The Power of Communication: Using communication as a “superpower” to build trust and influence. Three Communication Mistakes: Avoiding common pitfalls by treating every conversation as a leadership audition. Human-AI Collaboration: Leveraging AI for efficiency while using the human element to customize the Final Output. To learn more about us, visit www.1oakfinancial.com   |  Don’t forget to subscribe to our YouTube Channel for latest updates!

In this 46th episode of the Ideas by Mike podcast, host Mike Milligan, CFP interviews KC Chohan, founder of Together CFO, who specializes in tax strategies for high-net-worth individuals and entrepreneurs. KC shares his journey from working in a Fortune 500 company to becoming a fractional CFO, emphasizing the importance of understanding tax loopholes and structures to optimize financial outcomes. The conversation covers various topics, including the future of taxes, the differences between W-2 employees and entrepreneurs, charitable giving, and real-time tax planning scenarios. KC also warns about scams in the tax planning space and stresses the importance of understanding tax strategies before signing any agreements. YT Link: Ideas by Mike Podcast Episode 46 – Click this link to watch it on YouTube   About our Guest: KC Chohan is a tax strategist and the founder of Together CFO, a firm dedicated to helping entrepreneurs, solopreneurs, and high-net-worth individuals legally minimize their tax liabilities. He specializes in transitioning business owners into family office structures to protect their assets and optimize their long-term wealth. Connect with KC Chohan on LinkedIn Together CFO – (YouTube –‪@TogetherCFO‬) Instagram – Kc Chohan Together CFO To learn more about us, visit www.1oakfinancial.com   |  Don’t forget to subscribe to our YouTube Channel for latest updates!

Unlock the secret to living a brave, fulfilling life—at any age. In this episode, Mike Milligan, CFP & Jill Schulman, a Marine turned corporate leader and bravery expert, reveals how embracing fear can propel you to your biggest dreams. Whether you’re nearing retirement, navigating career transitions, or seeking to elevate your personal growth, you’ll discover proven science-backed strategies to build courage, conquer doubts, and take bold steps forward. This episode is perfect for anyone feeling stuck—from entrepreneurs and executives to retirees aiming to live intentionally. If you want to turn fear into your greatest motivator and craft a life of purpose, this conversation is your blueprint. Don’t let fear hold you back from reaching your highest potential—your brave new chapter starts here. YT Link: Ideas by Mike Podcast Episode 45 – Click this link to watch it on YouTube Connect with Jill Schulman on LinkedIn or at www.jillschulman.com for your free bravery assessment and blueprint. Her book, The Bravery Effect, is available everywhere books are sold. Whether you’re looking to boost confidence, pivot careers, or inspire loved ones, this episode will leave you motivated to step into your own bravery. To learn more about us, visit www.1oakfinancial.com   |  Don’t forget to subscribe to our YouTube Channel for latest updates!

Most high earners are leaving money on the table—failing to leverage tax strategies, automation, and personalized financial planning that can skyrocket their wealth. Today’s guest, Adam Dell, reveals how innovative technology and tailored advice are transforming the landscape for affluent individuals and advisors alike. Discover how Domain Money is rewriting the rules of wealth management for the mass affluent, offering flat-fee models, sophisticated tax strategies, and a relationship-driven approach that keeps clients engaged and on track. Adam shares insider insights on building a truly personalized financial plan—focusing on values, goals, and behavioral economics—to prevent costly mistakes like underinvesting during market dips or neglecting estate transfer complexities. You’ll break down: The future of wealth management beyond AUM fees, emphasizing transparency and choice. How high-yield savings accounts (like Marcus by Goldman Sachs) are critical in building robust emergency funds. The real power of behavioral economics in helping clients stay disciplined, especially amid market volatility. The role of advanced tax planning—HSAs, Roth conversions, and long-term care strategies—that most advisors overlook. The innovative partnership between Domain and 1.oak, designed to serve clients with smaller assets and nurture their growth toward more complex needs.

In this episode of Ideas by Mike podcast, we dive deep into the intersection of love and money with Financial Therapist and “Fractional Financial Behavior Officer,” Ashley Quamme. What You’ll Learn: Many couples struggle with financial arguments, not because the math doesn’t work, but because the psychology doesn’t align. Mike and Ashley discuss why financial planning often fails without a psychological component, how to identify your “money scripts,” and the secrets to building a “Wealthy Marriage.” Whether you are a saver married to a spender, or a financial advisor looking to better serve your clients’ emotional needs, this episode bridges the gap between the spreadsheet and real life.   Guest: Ashley Quamme, LMFT, FBS®, CFT-I Visit Beyond the FP: https://www.beyondthefp.com/ Connect with Ashley Quamme: https://www.linkedin.com/in/ashley-quamme/ Host: Mike Milligan, CFP®: https://www.linkedin.com/in/mikemilligancfp/ Visit 1.oak Financial: https://wwwwww.1oakfinancial.com Also Get the Book “The One of a Kind Financial Plan” on Amazon: https://a.co/d/hAOPAgM #FinancialTherapy #CouplesAndMoney #FinancialPsychology #IdeasByMike #WealthyMarriage #MoneyScripts #MikeMilligan  

What if retirement isn’t about money at All? In this episode of the Ideas by Mike Podcast, we explore retirement without fear through a powerful real-life transformation. From losing 80 pounds to redefining freedom, purpose, and identity after work, this conversation challenges everything most people believe about retirement.   **We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!** Stream all past episode of Ideas by Mike Podcast on YouTube!   

In this 40th Episode of Ideas by Mike Podcast, Mike Milligan, CFP, sits down with financial experts Coach Pete D’Arruda & Gary Nolan to discuss the history of the US economy, the stock market, and personal finance strategies. Whether you are looking for retirement planning advice, trying to understand inflation, or just want a nostalgic look back at the “good old days,” this episode is packed with value.   Coach Pete D’Arruda – Known nationally as “Coach Pete,” Peter J. D’Arruda is the President of the Capital Financial Advisory Group and a fiduciary dedicated to helping clients navigate retirement with confidence. With over 30 years in the financial arena, he is the host of the nationally syndicated radio show The Financial Safari, which airs weekly on over 50 stations across the country.   **We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!** Stream all past episode of Ideas by Mike Podcast on YouTube! 

Dr. Axel Meierhoefer joins Mike Milligan, CFP®, to uncover his unique strategies for achieving financial freedom and navigating the future landscape of wealth. This Ideas by Mike Podcast episode dives deep into three core areas: building wealth through residential real estate investing, the imminent impact of AI and embodied robotics, and the tactical steps to successfully transitioning to expat life. Visit Dr. Axel’s website at: https://www.idealwealthgrower.com/ **We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!** Stream all past episode of Ideas by Mike Podcast on YouTube! 

In this episode of the Ideas by Mike Podcast, Mike Milligan, CFP®, talks with Rhyan Finch, CEO of 1st Class Real Estate, about the mindset and strategies behind real estate investing and franchise growth. Rhyan shares how to spot real estate investing opportunities in today’s market, the role of financial discipline in scaling a business, and the key decisions that helped him grow one of the fastest-expanding real estate franchises in the country. Rhyan’s journey is a powerful lesson in financial planning and growth: he transitioned from a $40,000/year plumber to a $100,000/year agent, only to realize he was over-leveraging and almost went broke. He shares how he overcame this hurdle, stabilized his finances, and endured the pain of losing $50,000 monthly to build his national real estate franchise. Watch it on YouTube: https://www.youtube.com/watch?v=RKVYnUY-NoY Visit our Website: https://1oakfinancial.com/   *We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!*

In this 37th episode of Ideas by Mike Podcast, Mike Milligan, CFP® and Tom Hegna went for another one to discuss his newest book “Who Wants To Be a Millionaire?”. They revealed these HUGE financial mistakes younger generation can avoid because these financial mistakes are stopping them from reaching their First Million mark on their professional careers. Tom Hegna explains Why the First Million is the Hardest and the critical importance of patience in wealth building. Learn the math behind the $10.8 million mistake couples make and the essential savings discipline: The 10/20/70 Rule. They both discuss how to use the SEC Savings Goal Calculator to hit your targets, and Tom’s secret to career success: Finding Riches by being the Best in your Niche. This episode provides the mindset and the math for building wealth faster and helping you execute your One of a Kind Financial Plan. Watch it on YouTube: https://www.youtube.com/watch?v=RKVYnUY-NoY Visit our Website: https://1oakfinancial.com/ Because retirement isn’t the end of your story — it’s the start of your next one. *We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!*

In this episode of the Ideas by Mike Podcast, Mike Milligan sits down with best-selling author David McKnight, creator of The Power of Zero. They dive deep into the truth about rising taxes, why the next 10 years are critical for retirement savers, and how to build a tax-free strategy before rates climb again. Watch it on YouTube: https://www.youtube.com/watch?v=RKVYnUY-NoY Visit our Website: https://1oakfinancial.com/ Because retirement isn’t the end of your story — it’s the start of your next one. *We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!*

When people talk about retirement, most conversations revolve around money — but what about what comes after the paychecks stop? In our latest Ideas by Mike Podcast, we sit down with Dr. Riley Moynes, author of The Four Phases of Retirement, to unpack the emotional and psychological journey that every retiree goes through — and why so many struggle to find meaning once the “vacation” phase fades. Listen to Episode 35: “The Four Phases of Retirement Explained” YouTube: https://www.youtube.com/watch?v=H1-8J8ebFLA Website: https://1oakfinancial.com/ Because retirement isn’t the end of your story — it’s the start of your next one.

In this episode of the Ideas by Mike podcast, host Mike Milligan, CFP shares the journey of his financial planning firm, Ideas by Mike, and its evolution into 1.oak Financial. He discusses the tumultuous financial landscape over the past few years, the founding principles of his firm, and the importance of client-centered financial planning. Mike emphasizes the need for a unique approach to financial services that prioritizes clients’ needs and goals, culminating in the introduction of the one-of-a-kind financial plan designed to help clients live their best lives. Episode Takeaways: – Ideas by Mike aims to provide unique financial insights. – The firm was founded on principles of client-centered service. – Mike’s career journey reflects a commitment to client needs. – The one-of-a-kind financial plan is central to their approach. – Financial planning should prioritize individual client goals. – The evolution to One Oak Financial signifies growth and innovation. – Client service is prioritized over profit in their business model. – Understanding clients’ core beliefs about money is crucial. – The firm aims to reduce fear and anxiety around finances. – Community impact is a key focus for clients in retirement.   Stream all past episode of Ideas by Mike Podcast! Connect with Mike Milligan, CFP® 1.oak Financial Website LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike Instagram: @1oakfinancial YouTube: 1.oak Financial  757-909-7151 [email protected] Do you have any financial inquiries you need answered? Send us an email – [email protected] Or Call/Text “PODCAST” to (757) 909-7151 Intro and Outro Music: “Podcast Interview Background Music” by Ievgen Poltavskyi (HitsLab) via Pixabay #ideasbymike #moneymanagementpodcast #wealthbuilding #retirementplanning #financialplanningpodcast #careerjourneypodcast #clientservices #worklifebalance #impactfulcareers #personalizedfinance #retirementwithdrawalstrategies #communityengagement #financialliteracypodcast #podcast #podcastforfinancialliteracy #financialmanagementpodcast #financialplanningguide #financialliteracymatters #financialtips #financialhelp #financialstrategies #socialsecuritytips #federalbenefitsconsultant #cfp #annuity #Safewithdrawalrates #RetirementWithdrawalStrategies

William Bengen retirement withdrawal strategies have shaped how millions plan for retirement. Known as the creator of the famous 4% Rule, Bengen now reveals new research that challenges the old standard. In this episode of the Ideas by Mike Podcast, Mike Milligan, CFP®, asks the key question: is 4% rule still safe in 2025? Bengen explains why his updated research supports a 4.7% withdrawal rate, when retirees might take even 5.5%, and how diversification, inflation, and market conditions impact retirement success. Book your free complimentary portfolio analysis today: https://calendly.com/ideasbymike/linkedin-strategy-call?month=2025-07 **We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!** About Our Guest: William P. Bengen William P. Bengen is the pioneering financial planner who first formulated the now-famous “4 % Rule” for retirement withdrawals and coined the term “SAFEMAX.” With over 30 years of research on maximizing sustainable income in retirement, he’s updated the rule to 4.7 % in his new book A Richer Retirement. Bengen holds a B.S. in Aeronautics & Astronautics from MIT and an advanced degree in financial planning, and runs a website where he shares his charts, tables, and ongoing research. If you want to dive deeper into Bengen’s research? Visit his website: https://www.bengenfs.com/ To explore free retirement planning charts, and grab his new book A Richer Retirement on Amazon to learn how to supercharge the 4% Rule, click this! ______________________________________________________________ Resources: Tom Hegna’s Retirement Playbook: Proven Formula for Retirement Income, Wealth & Peace of Mind Episode 32 Stream all past episode of Ideas by Mike Podcast! Connect with Mike Milligan, CFP®: Ideas by Mike LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Do you have any financial inquiries you need answered? Send us an email – [email protected] Or Call/Text “PODCAST” to (757) 909-7151 Intro and Outro Music: “Podcast Interview Background Music” by Ievgen Poltavskyi (HitsLab) via Pixabay #ideasbymike #moneymanagementpodcast #wealthbuilding #retirementplanning #financialplanningpodcast #careerjourneypodcast #clientservices #worklifebalance #impactfulcareers #personalizedfinance #retirementwithdrawalstrategies #communityengagement #financialliteracypodcast #podcast #podcastforfinancialliteracy #financialmanagementpodcast #financialplanningguide #financialliteracymatters #financialtips #financialhelp #financialstrategies #socialsecuritytips #federalbenefitsconsultant #cfp #annuity #Safewithdrawalrates #RetirementWithdrawalStrategies

Tom Hegna retirement income strategies are some of the most researched, proven methods to retire with security, peace of mind, and lasting wealth. In this episode of the Ideas by Mike Podcast, Mike Milligan, CFP®, sits down with Tom Hegna—renowned author of Paychecks and Playchecks and Don’t Worry, Retire Happy—to uncover his formula for creating guaranteed lifetime income, reducing taxes, and protecting family wealth. #TomHegna #RetirementIncomeStrategies #ideasbymike Stream all past episode of Ideas by Mike Podcast for Expert Financial Planning Insights in our YouTube channel! Book your complimentary Financial & Retirement Planning Analysis: https://calendly.com/ideasbymike/linkedin-strategy-call?month=2025-07 Subscribe for more expert financial planning insights, insider tax strategies, retirement income tips, and legacy planning ideas from the financial planning world. About Our Guest: Tom Hegna Tom Hegna is a world-renowned retirement income expert, economist, and author widely known as the “Retirement Income Guru.” With decades of experience as a financial industry executive, retirement strategist, and keynote speaker, Tom has helped thousands of individuals and advisors understand how to retire happy and secure.   Follow Tom Hegna: YouTube – https://www.youtube.com/@UCZLVr1-144LsPDrWR1cyqWQ LinkedIn – https://www.linkedin.com/in/tomhegna/ Website – https://tomhegna.com/   In this Episode 32, you’ll learn how to: – Why annuities must play a foundational role in retirement income. – The truth about fake fiduciaries—and how to spot them. – Strategies for Roth conversions and cash value life insurance. – How to build a wealth floor with life insurance for your family. – Why guaranteed income leads to happier, longer retirements. – How to prepare for the long-term care crisis with hybrid solutions. – The balance between short-term liquidity and long-term stability. This conversation with Tom Hegna is packed with insights that every retiree and pre-retiree should hear. This conversation is a masterclass in building a plan that actually works—covering income, taxes, legacy, investments, and healthcare.   Episode Chapters: 00:00 – Tom Hegna Retirement Income Strategies (Intro) 02:22 – Tom’s Journey into Financial Services 06:02 – From New York Life to Bestselling Author 07:19 – Golf Lessons & Financial Planning 09:49 – What Are Fake Fiduciaries? 11:28 – Hybrid Retirement: Redefining Work-Life Balance 14:10 – The Rising Tax Problem & Roth Conversions 16:19 – Life Insurance & Roth for Tax-Free Income 17:45 – The Coming Long-Term Care Crisis 19:21 – Annuities Myths vs. Reality 20:57 – How to Decide if Annuities Fit Your Plan 22:59 – Safe Withdrawal Rate vs. Lifetime Guarantees 24:14 – Building a Wealth Floor with Life Insurance 25:56 – Creating a Comprehensive Financial Plan 27:38 – Short-Term vs. Long-Term Balance in Retirement 28:53 – Which Tom Hegna Book to Start With   **We’d love to hear your thoughts! Subscribe for more Tom Hegna retirement income strategies, proven tax tips, and financial planning insights that help you build wealth and peace of mind.** ________________________________________________________________________ Resources: Tax Incentive Programs For Wealth Building You Probably Didn’t Know Of | (Ep. 31) Connect with Mike Milligan, CFP®: Ideas by Mike LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Do you have any financial inquiries you need answered? Send us an email – [email protected] Or Call/Text “PODCAST” to (757) 909-7151 Intro and Outro Music: “Podcast Interview Background Music” by Ievgen Poltavskyi (HitsLab) via Pixabay #ideasbymike #moneymanagementpodcast #wealthbuilding #retirementplanning #financialplanningpodcast #careerjourneypodcast #clientservices #worklifebalance #impactfulcareers #personalizedfinance #communityengagement #financialliteracypodcast #podcast #podcastforfinancialliteracy #financialmanagementpodcast #financialplanningguide #financialliteracymatters #financialtips #financialhelp #financialstrategies #socialsecuritytips #federalbenefitsconsultant #cfp #TomHegna #RetirementIncomeStrategies #ideasbymike

In this episode, Mike Milligan discusses innovative tax planning strategies that can help individuals and businesses maximize their financial potential. He explores various tax incentives, including the Augusta Rule, advanced strategies like ‘buy, borrow, and die’, and the benefits of Donor Advised Funds and Charitable Trusts. Additionally, he delves into estate planning tools and the advantages of real estate investments. The conversation culminates in an in-depth look at Puerto Rico’s Act 60, which offers significant tax benefits for residents and businesses. Mike emphasizes the importance of designing a unique financial plan tailored to individual needs and goals. You’ll discover how to: Design a financial plan that leverages tax incentives—are you missing hidden opportunities? Use the Augusta Rule to generate tax-free rental income—have you considered renting your home to your business? Preserve wealth using the buy, borrow, and die strategy—could borrowing against your assets reduce your taxes? Optimize charitable giving with Donor Advised Funds—are you maximizing your deductions in high-income years? Protect family wealth across generations using dynasty trusts—what steps safeguard your legacy? Offset taxable income through real estate depreciation—are your investments working as hard as you are? Unlock tax-free growth with the mega backdoor Roth IRA—are you fully using your retirement opportunities? Save tens of thousands in taxes through Puerto Rico Act 60—might relocating reshape your financial future? Understand the tax code to create significant savings—how well are you negotiating with the IRS? Build a unique financial plan for long-term success—how customized is your current strategy?   Resources: How to Stand Out in a Crowded Market using Vision, AI & Personal Connection | Ideas by Mike (Ep. 30) Connect with Mike Milligan, CFP®: Ideas by Mike LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Do you have any financial inquiries you need answered? Send us an email – [email protected] Or Call/Text “PODCAST” to (757) 909-7151   #ideasbymike #moneymanagementpodcast #wealthbuilding #retirementplanning #financialplanningpodcast #careerjourneypodcast #clientservices #worklifebalance #impactfulcareers #personalizedfinance #communityengagement #financialliteracypodcast #podcast #podcastforfinancialliteracy #financialmanagementpodcast #financialplanningguide #financialliteracy #financialtips #financialhelp #financialstrategies #socialsecuritytips #federalbenefitsconsultant #cfp

Discover how to stand out in a crowded market and attract clients even in today’s competitive business landscape. Learn proven strategies to sharpen your business vision, use AI tools for clear and powerful messaging, and build trust through video, so you become the go-to choice in your industry. Whether you’re a financial advisor, entrepreneur, or small business owner, these insights will help you rise above the noise and grow with purpose. In this episode of Ideas by Mike, Mike Milligan sits down with Jeremy Houser, VP and Senior Advisor Development Consultant at Simplicity InsurMark, to explore how clarity of vision, belief in yourself, and purposeful communication can set you apart. Jeremy shares how writing your vision down (“vapor to paper”), using video to build trust when you’re not in the room, and embracing the mindset shift of “Why not me?” can fundamentally reshape your business and your life. You’ll discover: How video builds trust and credibility, even when you’re not there Why documenting your vision matters more than perfecting it How AI tools can help bring clarity to your message and mission The concept of “Retirement Chi” and creating a vision built around health, impact, and community How small mindset shifts and consistent habits lead to big growth Why personal connection is still the greatest differentiator in a crowded market If you’re ready to move from ideas to action, and stop blending in, this episode is for you. About our Guest: As a trusted consultant and advisor to the financial professionals he serves, Jeremy is committed to helping you professionalize all aspects of your practice and unlock your full potential. In early 2018, he identified a clear gap in service and support for advisors across the nation and built the Advisor Mentorship Program to address and close it. One of his passions within AMP is to help advisors refine their own process and attract clients instead of chasing them. Today, this pro­gram continues to help a select group of advisors stay focused on achieving consistent growth, while adding value to their practice and developing Business Alpha through the resources available through InsurMark. Connect with Jeremy Houser: YouTube: Jeremy Houser InsurMark AMP LinkedIn: Jeremy Houser Resources: Daven Michaels Talks About The #1 Mistake Business Owners Make When Growing (Ep. 29)  Connect with Mike Milligan, CFP®: Ideas by Mike LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Do you have any financial inquiries wanting to get answered? Leave us an email – [email protected] Or Call/Text Mike Milligan to help you out – 757-909-7151 [How video builds trust and credibility even in your absence, The importance of documenting your vision rather than obsessing over perfection, The role of AI tools in clarifying your message and mission, ai for business messaging, using ai in business, how to stand out in business, ai tools for entrepreneurs, business messaging tips, ai marketing tools, clarity in business messaging, how to grow your business 2025, stand out in crowded market, business vision tips, ai communication tools, using ai for clarity, ai for small business growth, how to stand out in a crowded market, stand out in business, differentiate your business, how to stand out from the competition, using ai in business, ai tools for entrepreneurs, business messaging tips, small business growth strategies, how to be unique in business] #ideasbymike #moneymanagementpodcast #wealthbuilding #retirementplanning #financialplanningpodcast #careerjourneypodcast #clientservices #worklifebalance #impactfulcareers #personalizedfinance #communityengagement #financialliteracypodcast #podcast #podcastforfinancialliteracy #financialmanagementpodcast #financialplanningguide #financialliteracy #financialtips #financialhelp #financialstrategies #socialsecuritytips #federalbenefitsconsultant #cfp

In this episode of Ideas by Mike, host Mike Milligan interviews Davin Michaels, a New York Times bestselling author and entrepreneur known for his innovative approach to business and life. The conversation explores Davin’s journey from the fashion industry to the music business and his successful ventures in outsourcing. They discuss the importance of living intentionally, the benefits of relocating to Puerto Rico, and the creation of the San Juan Social Club, which fosters community and networking among expats and locals. Davin shares insights on tax advantages in Puerto Rico, the significance of building meaningful relationships, and the life lessons he’s learned along the way. The episode concludes with a look at Davin’s future aspirations and philanthropic efforts. Chapters:  00:00 Introduction to a One-of-a-Kind Life 02:58 Davin Michaels: A Journey of Reinvention 06:05 Living Intentionally: Breaking Free from the Norms 09:02 The San Juan Social Club: Building Community in Puerto Rico 11:53 Tax Benefits and Opportunities in Puerto Rico 14:49 The Power of Relationships in Business 18:55 Life Lessons and Financial Wisdom 20:57 Rock Star Moments and Future Aspirations   Resources: Meet Christina Hill: The Calm Voice Behind Market-Sensitive Financial Planning (Ep. 28)   Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]   About Our Guest: Daven Michaels Daven Michaels is a New York Times Best Selling Author, International Speaker and Founder of 123Employee, the premier Outsourcing Centers with hundreds of employees on 3 continents. Daven travels the globe teaching entrepreneurs how to scale their businesses by leveraging resources, systems and human capital. You can get more info on Daven at DavenMichaels.com and more info on his company at 123Employee.com.

Financial planning isn’t just about numbers; it’s about trust, connection, and understanding life’s goals. How do you create meaningful client relationships? What does it take to navigate the ups and downs of the market while remaining grounded? In this episode, Mike Milligan sits down with Christina Hill, Client Service Specialist at Ideas by Mike, to discuss her approach to making financial planning accessible and personal. From balancing a bustling household of six daughters to helping clients stay calm during market fluctuations, Christina brings empathy and insight to every conversation. Join us as Christina unravels: (02:00) The art of personalized client service and navigating market sensitivity (03:00) Her personal life, from raising six incredible daughters to managing household chaos (11:00) Insights on client empowerment and financial education (12:07) The philosophy behind nurturing her home garden with her husband, Frank And more! Resources: Mike and Steve on Purpose-Driven Investment Planning (Ep. 13) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]

In this episode, Mike Milligan introduces Liz Mundey, Senior Client Services Manager at Ideas by Mike, who shares her unexpected path from massage therapist to financial services, driven by a desire to make a lasting impact. Liz discusses her motivations, how she found a home in the firm, and the importance of practical, personalized support in clients’ lives. Mike and Liz discuss: Liz’s surprising career test results in high school (03:13) The transition from massage therapy to financial planning (05:32)  Balancing work and family with purpose (10:31)  Assisting clients through life transitions (14:45)  And more! Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Liz Mundey: LinkedIn: Lizette Blumes Mundey About our Guest: Liz Mundey is the Senior Relationship Manager at Ideas by Mike, LLC. Her role was designed to give additional support to the clients! She does this by keeping accounts up to date, ensuring information is easy to access and understand, and staying closely connected with clients to ensure their financial plans stay in alignment with their evolving lives. She is licensed in general life and insurance and is continuing her education every year in the world of finance. Becoming financially literate and getting to know all of the clients is her favorite part of the job. She truly loves what she does, which not everyone can say! While she was born and raised in Arizona, she spent her twenties traveling the country, and it was a blast.  Before working with Mike, she was a National Trainer (4 years), Licensed Massage Therapist (6 years), and a Business Consultant (5 years). The common denominator for all of these jobs is directly impacting people’s lives! Today, she is incredibly grateful to be where she is. Embarking into the financial space has been a gift in her life! She is honored to be part of this team, to be making an impact as a financial office, and to be supporting the clients in a meaningful way.

Have you ever wondered how similar healthcare and financial planning can be?  It’s all about helping people get back on their feet, whether physically or financially. In this episode, Mike Milligan chats with Barb Gleason, who transitioned from a career in healthcare to financial planning, about her experiences and insights. She shares her journey, the parallels between physical therapy and financial planning, and her passion for assisting healthcare workers with their financial futures. Additionally, Barb discusses the importance of clear communication and personalized plans. Barb discusses: Her transition from a long career in healthcare to financial planning after experiencing a financial setback (01:53) The surprising similarities between being a physical therapist and a financial planner (06:00) The emotional baggage that often comes with finances and how it can hinder people from achieving their goals (06:56) The unique challenges healthcare workers face, including long hours, intense work environments, and the emotional toll of the job (12:55)  The importance of financial planning for healthcare workers and the need for simplified plans that address their specific concerns and questions (17:25) And more! Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 Connect with Barb Gleason: LinkedIn: Barb Gleason About our Guest: Barbara Gleason has spent the last 25 years as a physical therapist, working in acute care, inpatient rehabilitation, and management. While physical therapy was incredibly rewarding, she felt it was time for a new path. Her interest in personal finance grew over the years as she enjoyed reading finance books and helping friends with their taxes, which led her to pursue a career in financial planning. She completed the Executive Certificate in Financial Planning at Old Dominion University, where she met Mike—and the rest is history! She is now excited to be part of the team at Ideas by Mike and plans to take the CFP® exam in March 2025. Barbara is passionate about helping people, especially those who may feel overwhelmed by financial concepts. She believes everyone deserves to feel confident about their financial future, and she strives to create a comfortable, judgment-free space for clients to ask questions and learn.

What’s the secret to navigating your financial future with confidence? Join Mike Milligan as he sits down with Tom Haines from Annexus to demystify fixed index annuities and their strategic role in crafting one-of-a-kind financial plans tailored for your unique retirement journey. Tom shares insights from his distinguished career, highlighting how indexing strategies can safeguard your financial future without the risk of market volatility. Dive into the depth of experience, fuelled by partnerships with top-tier institutions and renowned academics like Robert Schiller and Jeremy Siegel, ensuring your retirement portfolio is as bulletproof as it is personalized. Mike Milligan & Tom Haines discuss: How indexing and smart beta strategies can benefit retirement portfolios (03:14) The role of renowned academics and industry leaders like Robert Schiller and Jeremy Siegel in financial planning (07:07) Understanding the historical performance of fixed index annuities, backed by the pioneering research of Roger Ibbotson (11:25) Navigating the present and future trends in fixed index annuities and ensuring they contribute effectively to your financial plan (32:47) Resources:  Consider The Alternative  Nobel Portfolio Prize Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect With Tom Haines: Annexus Retirement Solutions LinkedIn: Tom Haines About Tom Haines: Tom Haines, EVP Capital Markets & Index Solution at Annexus. Tom leads the index diligence and selection process for Annexus and coordinates the firm’s relationships with asset managers, academic professionals and investment banks in conjunction with Annexus’ carrier partners. Tom is also one of the lead architects of the Lifetime Income Builder TDFs at Annexus Retirement Solutions (ARS). In his role within ARS, Tom works closely with the insurers and asset managers that partner with ARS on implementing the Lifetime Income Builder within portfolios and funds. Prior to joining Annexus, Tom led Equities Solutions Structuring at UBS Investment Bank. He began his career in index and statistical arbitrage trading within BNP Paribas’ Cooper Neff Division (Paris office) before serving as vice president in the Exchange Traded Products (ETPs) Group at NYSE Group and head of ETPs and Derivative Product Solutions at RBS. Tom’s research on index products has been published in top financial journals. He formerly served as a member of FINRA’s Investment Management Committee. Tom holds a bachelor’s degree in Quantitative Finance from James Madison University in Virginia.

From former college hockey player to a leading retirement specialist. Join host Mike Milligan as he sits down with team member Josef Mehall, a talented entrepreneurial spirit that is passionate about leaving things better than he found them.  With his engaging story of growth to becoming a financial expert, Josef shares how he helps clients shape their retirement dreams with personalized financial plans that reflect their unique values and aspirations. Other key discussion points include: The transition from entrepreneurial ventures to financial planning (04:00) Differences between Roth IRAs and traditional investments (12:00) The impact of early retirement planning for young adults (11:00) Unique insights on ‘Assets under Influence’ vs. ‘Assets under Management’ (17:00) Personal strategies for tackling student loans and retirement savings (20:54) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Josef Mehall: LinkedIn: Josef Mehall About Our Guest: Josef Mehall is a dedicated financial professional with a unique background that combines the discipline of a former collegiate hockey player with the strategic mindset developed through years of entrepreneurship and experience in the insurance industry. Originally from Berkley, Michigan, just outside of Detroit, Mehall attended Iowa State University, where he refined his skills on the ice as a collegiate hockey player while cultivating a strong work ethic and a deep appreciation for teamwork. His professional journey has been diverse, spanning from a real estate apprenticeship to a career in financial services. He spent a decade as an entrepreneur, owning and operating his own car detailing business, where he developed a keen attention to detail, built strong customer relationships, and experienced the rewards of growing a business from the ground up. Following this entrepreneurial endeavor, he transitioned into the insurance industry, spending the past year and a half as an independent insurance professional, gaining valuable insights into risk management and financial planning.

In this episode, Mike Milligan introduces Scotty, a dedicated team member at Ideas by Mike. Scotty shares his journey from his roots on the Ohio-West Virginia border to becoming a legacy specialist, exploring life insurance, legacy planning, and self-care strategies for life’s later stages. Join them as Scotty shares his personal story and uncovers the significance of personalized financial strategies Mike and Scotty discuss: Legacy and long-term care planning (01:28) The importance of life insurance (14:18) Dealing with underinsurance (15:17) The benefits of life insurance while living (22:34) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  [email protected] Connect with Scotty Liberatore: Ideas by Mike: Scotty Liberatore

What do planning for the future and teaching financial literacy to the next generation have in common? In this unique episode, Mike Milligan welcomes January Liddell to the show. Money isn’t just about numbers; it’s about narratives. Explore how January, a dynamic financial professional, balances roles as a mother, wife, and author, while fiercely advocating for financial literacy beginning in childhood. January’s insights into minimizing taxes and the challenges of traditional retirement savings plans will transform how you think about your financial future. Mike and January discuss key topics including: January Liddell’s journey (02:00) Financial mistakes and learning opportunities (04:00) Teaching financial literacy to children (05:23) Strategies to tackle taxes and financial burdens (10:38) The philosophy behind the Ideas by Mike approach (12:44) Personal growth, motivation, and community engagement (13:51) Tips to take control of your finances (20:43) January shares her story and insights to inspire listeners to create personalized financial plans that resonate with their values. References:  Alina the Super Saver by January Liddell  The power of Zero by David McKnight  Overcoming When You Feel Overwhelmed by Jentezen Franklin  Captivating Expanded Edition: Unveiling the Mystery of a Woman’s Soul by John and Stasi Eldredge Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with January Liddell: Sexy Freedom Media Podcast Website: January Liddell LinkedIn: January Lidell Xtreme 1 Financial & Coaching About Our Guest: January Liddell has over three years of experience in the financial industry, dedicated to helping clients achieve tax-free gains and secure access to their finances. She focuses on the ERFT method, “Eliminating Risk, Fees, and Taxes.” With a focus on protecting money from market risk and volatility, January provides her clients with peace of mind, knowing that their hard-earned assets are safe.  Her extensive knowledge of financial products is matched by her unwavering commitment to client success. January radiates positive energy and is a pleasure to interact with. She understands that communication is essential, regularly keeping in touch with clients to ensure their financial goals are on track. Most importantly, January makes her clients’ success her top priority, giving them the confidence that she truly has their back every step of the way

Ever faced a mountain and thought, “I can’t do this?” This episode serves as a way to combat this thought. As the calendar turns to 2025, Mike Milligan recounts an incredible journey to Peru’s Rainbow Mountain and draws parallels to the journey of retirement planning. Learn how each individual step, supported by a trusted guide, can lead you to breathtaking highs in your financial life. Mike shares the importance of personalized financial planning, exploring the value of having an experienced guide in crafting your unique financial path. With stories of breathtaking adventures and overcoming limits, he ties these experiences back to helping you achieve the retirement of your dreams.  Key discussion points include: The significance of taking small, consistent steps in retirement planning (10:00) Understanding how personalized plans can lead to unique financial experiences (14:59) Get to know the team behind Ideas By Mike and how they contribute to crafting individualized plans (16:30) The power of asking “What makes you one of a kind?” in developing a personal financial strategy (19:00) And more! Resources: The One of a Kind Financial Show with Mike Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]

What makes a team truly one of a kind? Join host Mike Milligan, a Certified Financial Planner® with over two decades of experience, as he delves into the power of individuality with team members Kelsey Vollmer and Marcus Washington. Together, they explore how their personal experiences influence their communities.  Mike, Kelsey and Marcus discuss:  The power of a supportive community (04:03) Unique journeys in the financial planning industry (13:21) Bridging fundamental skills in both coaching and financial planning (19:02) Individual and community impact through financial literacy (22:51) And more Resources: Meet The Team  Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151  About Our Guests: Marcus Washington is a Retirement Specialist at Ideas By Mike. He graduated from Abilene Christian University in 2011 with a Bachelor of Science. With extensive experience in the Financial Service Industry, Marcus has specialized in assisting Federal Employees in navigating their retirement plans, particularly focusing on the complexities of FERS and CSRS retirement plans. Kelsey Vollmer is our Senior Relationships Manager  at Ideas by Mike, LLC. She is dedicated to ensuring that everyone interested in Mike’s services feels heard and valued. She believes in the power of a personal touch, emphasizing a genuine and supportive approach to helping prospects feel understood and informed about their financial decisions.

How can simple actions lead to meaningful change? Mike Milligan sits down with his daughter Grace, to explore what it truly means to make an impact. Grace shares her inspiring journey from creating fly swatters out of thrift store finds to leading charitable efforts at Grace Klein Community’s food rescue mission. This discussion dives deep into personal stories, community-focused initiatives, and how Grace found her calling in Birmingham, Alabama—proving that effective change often begins with loving the Earth and living purposefully. Mike discusses:  The craft of finding purpose in unexpected places The story of a worm that sparked a vision for impact Her journey to Grace Klein Community The miracle of community food rescue efforts Building relationships beyond traditional financial planning And more Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Grace Milligan: LinkedIn: Grace Milligan Grace Klein Community [email protected]  About Our Guest: Ever since she was a little girl, Grace Milligan had a deep passion for the earth. Whether spending endless summer days outside or picking up trash on the playground, she always sought to sustain the planet’s beauty. Today, she is fortunate to do just that as the Sustainability Liaison at Grace Klein Community. Grace graduated from the University of Lynchburg with a double major in Business Administration and Environmental Sustainability, along with a minor in International Relations. She was a member of the Westover Honors College, served as captain of the women’s soccer team, and was a regional student leader with Campus Outreach.

What makes a financial plan truly stand out? Mike Milligan explores how strategic partnerships are key to creating personalized, effective financial plans. Joined by Tiffany Saunders and Liz Mundey, they discuss how working together and embracing new ways of thinking are changing the financial planning landscape. Find out how partnerships with innovative platforms like Halo and Asset Map are making financial planning more complete and accessible. Episode highlights include: Building unique value through partnerships Impact of partnerships on client services Creating personalized financial plans for unique lives Steve Harlow’s partnership and extending client impact Benefits of visual financial planning with Asset Map Long-term vision and plans for expanding reach  And more! Resources: Monday.com Halo by Lumiant This is Estate Planning with Mike and Scott (Ep. 15) Mike and Steve on Purpose-Driven Investment Planning (Ep. 13) This is Personal with Your Host, Mike Milligan, CFP® (Ep. 1) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Tiffany Saunders: LinkedIn: Tiffany Saunders Connect with Liz Mundey: LinkedIn: Lizette Blumes Mundey About Our Guests: Tiffany Saunders is the Director of Growth at Ideas by Mike, LLC, where she plays a key role in driving the company’s expansion and ensuring its long-term success. Her responsibilities include developing strategic growth plans, identifying new market opportunities, and fostering strong relationships with both partners and clients. With an extensive background in growing start-ups, Tiffany brings a wealth of experience to the team, consistently seeking innovative ways to enhance processes and deliver exceptional value. She is passionate about helping partners and clients achieve their financial goals, making her work deeply rewarding. Originally from a small town in the Northern Neck of Virginia, Tiffany has always been passionate about building and sustaining relationships. This passion led her to a career focused on making a tangible difference in people’s lives and impacting their financial well-being. Prior to joining Ideas by Mike, LLC, Tiffany helped grow three start-ups into successful small businesses. Her previous roles include Client Success and Sales Director at ChatterBoss Virtual Assistants, Director of Sales and Client Success at Real Leaders, and Chief Operating Officer at the Clinical Supervision Directory. In these positions, she honed her skills in strategic growth, leadership, team building, and relationship management, which she now leverages to drive innovation and growth at Ideas by Mike. In her free time, Tiffany enjoys spending time with her two young daughters, Layla and Lily, or traveling with her husband, Michael. She is excited to be part of the dynamic team at Ideas by Mike  and looks forward to contributing to the firm’s shared success. Liz Mundey is the Senior Relationship Manager at Ideas by Mike, LLC, where she plays a vital role in providing exceptional support to clients. Her responsibilities include keeping client accounts up to date, ensuring that information is easily accessible and understandable, and maintaining close connections with clients to ensure their financial plans remain aligned with their evolving lives. Licensed in general life and insurance, Liz is committed to continuing her education in finance each year. She is particularly passionate about becoming financially literate and building strong relationships with clients, which she considers the most rewarding part of her job. Originally from Arizona, Liz spent her twenties traveling the country before deciding to settle down, get married, and start a family in her thirties. Today, she has a growing family, including a new puppy named Little Miss Bandita and a second baby on the way—marking her own little piece of the American Dream. Before joining Ideas by Mike, Liz worked as a National Trainer for four years, a Licensed Massage Therapist for six years, and a Business Consultant for five years. In each of these roles, she was driven by a desire to make a direct impact on people’s lives. Now, Liz is incredibly grateful to be part of the financial space, seeing it as a gift that has enriched her life. She is honored to contribute to the team and support clients in a meaningful way. Liz looks forward to connecting with others and continuing to make a positive impact in the financial world.

Financial planning can truly change lives, not just through numbers but by making a real impact in our communities. Mike, Kaitlan, and Katie shed light on how they’re redefining financial planning through community impact. They dive into how Ideas by Mike is not only crafting unique financial plans but also investing in meaningful change from local neighborhoods to global communities.  Learn about their inspiring mission, heartwarming outreach stories, like “Stuff the Bus,” and how they motivate both clients and employees to make a difference.  Key discussions include: Impact Division Origins: Discover how Mike Milligan’s vision created a department focused on community change  Local Involvement: Hear about the team’s hands-on activities like volunteering at Samaritan House and participating in the Polar Plunge  National and Global Efforts: Learn how the team supports animal rescues and clean water projects worldwide  Inspiring Client Stories: Gain insight into how clients are starting their foundations and making impactful retirements  And more! Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Kaitlan Costner: LinkedIn: Kaitlan Costner Connect with Katie Owen: LinkedIn: Katie Owen About our Guests: Kaitlan Costner is the Chief Operating Officer (COO) at Ideas by Mike, LLC. In her role, Kaitlan oversees and manages our day-to-day operations, ensuring they align with our strategic goals. Kaitlan handles all business submissions and processing, nurture relationships with partners, and keep a close eye on their financial performance.   Kaitlan comes equipped with licenses in life, annuity, and health insurance in Virginia, and to top it off, she holds a double major in criminal justice and sociology from the Old Dominion University. She recently bagged her education certification in Financial Planning. Originally from charming Norfolk, Virginia, Kaitlan is a coastal soul through and through. She shares her cozy home with Benny, her adorable rescue dog, and when she’s not ruling the business world, you’ll find her soaking up the sun at the beach, dancing, or getting creative with craft projects, practicing her hand lettering, decorating her house and collecting house plants. Prior to Ideas by Mike, Kaitlan worked for 13 years in the Judicial field, working as a courtroom clerk in Circuit Court, as a paralegal to a high-profile criminal defense attorney and as a judicial assistant to a U.S. District Court Federal Judge. The shift from the judicial system to the financial industry has been nothing short of liberating, and she couldn’t be happier in this dynamic leadership role! – Katie Owen is the Administrative & Impact Coordinator at Ideas by Mike, LLC, a role that perfectly aligns with her passion for creating positive change and fostering innovation. For Katie, integrity, innovation, collaboration, and excellence are not just words; they are guiding principles that shape every decision she makes. She is dedicated to driving strategic and impactful initiatives for their organization, identifying opportunities for growth, and developing and implementing programs that address societal challenges head-on. Her goal is to create lasting, positive change in every project she undertakes. Originally hailing from the sandy shores of Virginia Beach, Katie has found her little slice of paradise in Knotts Island, NC, where she lives with her wonderful significant other and their two amazing kids. Katie is a firm believer that life is better with animals, and their home is a lively sanctuary filled with the playful antics of dogs, the clucks of chickens and hens, and yes, even the occasional gobble from their turkey, Mr. P! In addition to her responsibilities in driving impactful initiatives, Katie serves as a personal assistant, working closely with their esteemed CEO/Owner, Mike Milligan. In this pivotal role, Katie ensures seamless communication, efficient time management, and streamlined processes. Her aim is to support Mike in scaling their business growth and development, ensuring that their vision becomes a reality.

Are you ready to transform your financial approach and make 2025 the year you finally achieve your one-of-a-kind life goals? Engage with captivating insights into tax planning, retirement income, and the paramount importance of having a genuinely personalized financial plan. Plus, look out for an engaging revelation of how 2025 can be your groundbreaking year. Mike Milligan looks forward to helping you seize 2025 with fresh financial resolutions and personalized planning! Key conversations include: Implementing a “one-of-a-kind” financial plan that aligns with your personal goals and priorities from the outset of 2025 Learning from professionals about the importance of future tax scenario preparedness Exploring innovative retirement income strategies to ensure financial security. Embracing the art of human connection as a vital part of maintaining mental and financial well-being throughout the year And more! Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]

Can a legacy be more than assets?  Discover how to leave a love letter to your family… This week on Ideas by Mike, Mike Milligan, CFP®, welcomes Scott Cary, Founder of Snug, to unveil how his groundbreaking platform is transforming estate planning.  From safe document storage to AI-powered updates, Snug offers a modern, affordable approach to creating a legacy that reflects your values. Whether preparing for retirement or crafting a heartfelt “final love letter” for your loved ones, this episode will equip you with the insights to take action today. Key Highlights: Snug’s Mission: Redefining estate planning with simplicity and accessibility Legacy Made Personal: Incorporate meaningful messages for loved ones alongside essential documents Technology Meets Planning: Real-time updates and safe storage for ease of use Debunking Myths: Estate planning is for everyone, not just the wealthy Future Trends: How tools like Snug are reshaping holistic financial services And much more! Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Scott Cary: LinkedIn: Scott Cary Snug About Our Guest: Scott Cary is the Founder of Snug, a groundbreaking platform designed to simplify estate planning for everyone. With a passion for making legacy planning accessible, Scott has created a solution that combines cutting-edge technology with personalized financial services, helping individuals and families navigate the complexities of protecting their assets and safeguarding their future. Driven by a commitment to empower people with affordable, user-friendly tools, Scott is dedicated to redefining how we think about estate planning—ensuring it’s not just for the wealthy but for everyone.

Can your financial strategy unlock the secret to a longer, healthier life? This week on Ideas by Mike, Mike Milligan, CFP®, welcomes Heather Holmes, Founder and CEO of Lumiant, and Nicola Perry, VP of Sales at Lumiant, to explore the game-changing connection between health and wealth. Drawing from their expertise, Heather and Nicola unveil Halo, a revolutionary tool that personalizes long-term care and longevity planning by analyzing lifestyle, family history, and location. Tune in to hear Heather’s powerful story of how her father’s struggles inspired her to develop Halo and learn how Nicola helps families make informed, confident decisions about their future.  Together, they share actionable strategies to integrate health insights into financial planning, empowering you to live well today while preparing for life’s later stages. (Whether you’re planning for retirement, caregiving for loved ones, or seeking clarity on long-term care, this episode equips you to take proactive, life-changing steps!) Key Highlights: The Halo Mission and its Benefits: How Lumiant connects health and wealth to improve longevity and financial outcomes Customized Planning: Insights on your active, slower, and extended care years with tailored cost projections Health Meets Wealth: Learn how financial advisors integrate wellness coaching for a truly holistic approach Plan Early: Discover why ages 40-70 are ideal for long-term care planning Impactful Conversations: See how Halo’s tools foster client trust and shift the focus from transactions to solutions And much more! Resources: Halo by Lumiant Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Heather Holmes: LinkedIn: Heather Holmes Lumiant Connect with Nicola Perry: LinkedIn: Nicola Perry [email protected] Lumiant About Heather Holmes: Heather Holmes is the visionary Founder and CEO of Lumiant, where she leads the charge in connecting health and wealth to improve life outcomes. Inspired by her father’s health and financial challenges, Heather developed Halo, a revolutionary tool that empowers families to plan for longevity and long-term care with clarity and confidence. Her mission is to help clients live longer, healthier, and more financially fortified lives. About Nicola Perry: Nicola Perry serves as VP of Sales at Lumiant, combining her adaptability and deep empathy to guide families through life’s most pivotal financial decisions. Driven by a passion for making long-term care planning accessible and personalized, Nicola works to ensure clients feel supported and prepared for every stage of life. Her work with Halo exemplifies her dedication to integrating health insights with financial strategies.

Is your portfolio working toward your dreams—or just chasing the market? This week on Ideas by Mike, Mike Milligan, CFP®, sits down with Steve Osterink, CEO and Chief Investment Officer at Advisory Alpha, to explore the art and science of investment planning. Drawing from his vast experience managing $3.8 billion in assets, Steve shares practical insights on aligning your investments with your financial goals, avoiding emotional pitfalls, and leveraging tools like Koyfin and FRED to optimize your strategy. Tune in and hear Steve’s powerful story of how his father’s mentorship shaped his client-first philosophy while learning how to create a personal “Investment Policy Statement” that serves as a financial roadmap.  (Whether you’re a DIY investor or work with an advisor, this episode leaves you equipped to make smarter, purpose-driven investment decisions!) Key Highlights: Investment as Architecture: Why a strong foundation—your plan—is more important than the materials (products) Risk and Return Mastery: Understanding your personal capacity for risk to achieve meaningful financial outcomes Behavioral Bias Busters: How to avoid emotional traps like recency and hindsight bias Essential Tools: Maximize your strategy with Koyfin’s analytics dashboard and FRED’s economic data Advisory Alpha’s Edge: Learn about fee-waived charitable solutions and other innovative approaches to client-focused investing Mentorship in Action: Steve reveals how his father’s wisdom continues to inspire his financial strategies And much more! Resources: Koyfin FRED Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Steve Osterink: LinkedIn: Steve Osterink, Jr. CFA® CFP® AIF® Advisory Alpha About Our Guest: Steve Osterink, CFA and CFP, is the visionary CEO of Advisory Alpha, overseeing $3.8 billion in assets. With a passion for client education and innovation, Steve combines technical expertise with a commitment to personal growth, both for his clients and his family.

Retirement planning goes beyond numbers—it’s about building a future that aligns with your values. This week on Ideas by Mike, Mike Milligan, CFP®, and Jim Fisher unveils the value of developing a retirement income plan that remains adaptable and reliable. They cover the transition from growth to income strategies and how the Forecaster tool provides clear insights into managing potential risks, like the “retirement dead zone.”  So, tune in as they explore the essentials of tax planning, income diversification, and practical steps toward creating a stable, sustainable income throughout retirement. Key Highlights: How Jim Fisher’s innovative Forecaster tool empowers clients with personalized income projections for retirement readiness The importance of income diversification: using social security, pensions, savings, and annuities to create a reliable “personal pension” How shifting from growth-focused to income-focused strategies a decade before retirement helps clients manage risks effectively The potential for “retirement raises”: strategies to boost post-retirement income with inflation-adjusted plans and strategic asset reallocation How personalized financial planning aligns retirement strategies with individual needs, lifestyle goals, and financial well-being And much more! Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected] Connect with Jim Fisher: LinkedIn: Jim Fisher JB Growth Partners About Our Guest: Jim Fisher is the Founder & CEO of Jucebox and has been a longtime member of the retirement income planning space. He has a passion for teaching financial literacy to all and helping retirement professionals grow their businesses. Check out Jim’s LinkedIn to get connected with him.

Taxes may be inevitable, but they don’t have to drain your wealth. Here’s how to turn them into a powerful tool for financial growth Mike Milligan, CFP® teams up with Ben Birkin from Holistiplan to reveal how this powerful software is transforming tax planning from a headache into a strategic advantage. It’s not just about lowering tax bills—it’s about turning tax strategies into a key driver of long-term wealth. Holistiplan cuts through the complexity, giving financial advisors the tools to deliver clear, actionable tax insights that put more money back in clients’ pockets. And since taxes are often one of life’s biggest expenses, smart planning can make all the difference. The real takeaway? Advisors who integrate Holistiplan aren’t just checking a box. They’re offering clients a customized roadmap to financial well-being, turning tax planning into an opportunity for real growth. Key Highlights: How a midlife career shift inspired the creation of Holistiplan, now trusted by over 5,000 firms The key benefits of Holistiplan: simplifying tax reviews while providing actionable insights How Holistiplan’s solutions align with the latest trends in tax planning technology The tangible benefits: How proactive tax planning empowers clients to optimize their lifetime income How Holistiplan fosters stronger client relationships through transparency and trust The collaboration between Ideas by Mike and Holistiplan (delivering a unique, client-centric service) And much more Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]

Imagine a financial plan that not only builds your wealth but also enriches your life. This week, Mike reflects on the values he learned from his grandmother’s sandwich shop — values that now shape his approach to financial planning.  For Mike, wealth is more than money. It’s about aligning your finances with what matters most, like a secure retirement, supporting loved ones, or giving back. So, his takeaway?  Start early, focus on what’s important, and partner with someone who understands that true wealth serves your life, not the other way around. Key Highlights: Lessons from Mike’s entrepreneurial grandmother and their lasting impact Why aligning your money with your values is essential for financial success How integrating health and wealth creates a balanced, fulfilling life The key areas of financial planning (taxes, retirement income, investments, long-term care) Ways tools like HolistaPlan, Halo, and Snug simplify and enhance financial planning A real-life case study: How Mike helped a high-earning family reduce stress through smart planning Practical advice for beginners And much more! Resources: Snug About HALO Ideas by Mike: HALO  This is Personal with Your Host, Mike Milligan, CFP® (Ep. 1)  This is Our Team (Ep. 2) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]

Legacy planning is more than just dividing up financial assets; it’s about preserving the values, traditions, and harmony within a family. This week on Ideas by Mike, Mike Milligan, CFP®, highlights the importance of this often-overlooked step in his unique financial planning approach.  By incorporating SNUG — a powerful platform designed to streamline the organization of essential documents, final wishes, and family legacies — Mike empowers families to face the emotional and practical challenges that come with losing a loved one with greater ease and confidence. Key Highlights: How legacy planning is the final piece of a comprehensive financial strategy, working alongside tax planning, retirement income, investment, and long-term care The importance of preserving more than just financial assets — ensuring family stories, values, and traditions live on SNUG and its unique benefits in simplifying the organization of critical documents, wills, and final wishes to avoid disorganization after death Real-life stories that highlight the emotional and practical burdens families face without a proper legacy plan And much more! Resources: Snug About HALO Ideas by Mike: HALO  This is Personal with Your Host, Mike Milligan, CFP® (Ep. 1)  This is Tax Planning  (Ep. 5) This is Investment Planning (Ep. 7) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]

Did you know that over 70% of people aged 65 and older will need some form of long-term care services in their lifetime?  This week, Mike Milligan, CFP®, dives into the world of long-term care planning, highlighting the difference it can make in our lives.  Follow along to explore HALO, an innovative tool designed to simplify and enhance the planning process. Learn about its features, benefits, and practical applications so that you are empowered with the knowledge you need to secure a better future for yourself and your loved ones (all this from a financial planner and professor’s point of view!) Mike discusses:  Mike’s motivation and approach to long-term care planning How long-term care planning fits into his one-of-a-kind financial plan model HALO and its unique benefits, such as combining research to provide a personalized life and health expectancy analysis Real-life implications of planning for long-term care and health expectancy And more! Resources: About HALO Ideas by Mike: HALO  23andMe  This is Personal with Your Host, Mike Milligan, CFP® (Ep. 1)  This is Tax Planning  (Ep. 5) Tips for Strengthening Your Retirement Income Strategy (Ep. 6) This is Investment Planning (Ep. 7) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]

Investing is an important piece of retirement planning, but there is much more to it than just picking “the right” stocks. This week on Ideas by Mike, Mike Milligan, CFP®, breaks down the third step in his one-of-a-kind financial planning processes, investment management. Mike explains the importance of setting specific goals and developing strategies to achieve those goals through investments.  But that’s not everything! He also emphasizes the need for diversification and risk assessment in investment portfolios while highlighting common mistakes people make in investment planning. Mike covers:  Why tax planning is crucial for your financial health How to create a sustainable retirement income plan The importance of diversification when it comes to crafting an investment plan Common investment mistakes and how to avoid them And more! Resources: This is Tax Planning  (Ep. 5) Tips for Strengthening Your Retirement Income Strategy (Ep. 6) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  Phone: 757-909-7151 [email protected]

Paychecks do not need to stop in retirement… With the right financial plan, it’s entirely possible to keep those “paychecks” coming, even after you stop working. This week on Ideas by Mike, Mike Milligan, CFP®, dives into the second critical element of the Ideas by Mike one-of-a-kind financial planning process, retirement income. Highlighting personal experiences and historical insights, Mike unveils actionable steps to help secure your financial future without fear of running out of money.  Mike discusses:  The first step of his one-page financial plans, tax planning, and how retirement income planning builds off of that Different methods to help you obtain consistent retirement income Historical insights into the evolution of pensions and retirement systems Innovative tools such as income forecasters that the Ideas by Mike team uses to alleviate financial fears for retirees And more! Resources: This is Tax Planning  (Ep. 5) Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]

Did you know that over 56% of Americans now feel they pay more than their fair share in taxes? This frustration is only growing.  So, let’s dive into how you can approach tax planning to keep more of your hard-earned money! Join Mike Milligan, CFP®, as he unpacks the history of taxes in the United States, the impact of tax planning on your financial future, and practical steps to take control of your tax liabilities. Follow along to hear about the partnership Ideas by Mike has to help you navigate your tax situation and how their holistic approach could help you reach your retirement goals. Mike discusses:  The historical context of tax rates in the United States and their current implications How tax planning is the foundation of all real financial planning The top 3 frustrations surrounding tax obligations How their partnership with Holistiplan provides clients with comprehensive, personalized tax planning strategies And more! Resources: “7 Facts About Americans and Taxes” Connect with Mike Milligan, CFP®: Ideas by Mike  LinkedIn: Mike Milligan, CFP® Facebook: Ideas by Mike  Instagram: @ideasbymike YouTube: Ideas by Mike  757-909-7151 [email protected]