Wealth Unplugged

"NASDAQ up 14.76% in 30 days""Inflation is creeping up to 3.5%"The market is expressing that its love for profit growth is greater than its worries about war and oil prices. Companies in the S&P 500 are growing profits at 15% annual clip right now. As this earnings season rolls on, stock prices are reflecting this with a rapid recovery from March and April lows.   One would think that at some point, investors will need to pay a price for a prolonged increase in the cost of energy. But as it turns out, as long as companies are winning, the market doesn’t care. Inflation is starting to creep up, pointing to some potential headwinds in the future.Key Topics:Market Overview and Recent Trends (00:00) Corporate Profits and Earnings Growth (02:12)Geopolitical Factors and Energy Prices (03:29)Tech Giants' Performance and AI Impact (06:12)Monetary Policy and Inflation Insights (10:31)Market Resilience and Economic Outlook (18:37)Technological Advancements and Future Trends (20:53)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"Prolonged high oil prices can lead to inflation.""Economic data last week was surprisingly strong.""Valuations are better now than five weeks ago."The job market and profit expansion in the US look healthy. Oil remains at the center of everything. Tune in to learn what’s creating upward and downward pressure in the markets right now – and how the market is finding resilience and positive sentiment in the face of so much uncertainty.Key Topics:Market Overview and Oil's Impact (00:00)Recent Market Trends and Economic Data (02:55)Inflation Concerns and Oil Prices (06:09)Job Market Insights and Economic Recovery (09:06)Market Sentiment and Investment Strategies (12:12)Diversification and Long-term Investing (15:09)Navigating Market Corrections (18:02)Conclusion and Future Outlook (21:03)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"Gas prices shrink disposable income.""The night gets darkest just before dawn.”"Focus on what you can control."Explore the S&P 500’s break below its 200-day average how Oil is front and center for global markets as well as consumers everywhere. Joey explores what price analysts say Oil needs to hit to make recession likely -- and what investors can do about it.Key Topics:Market resilience tested in 2026 (00:00)S&P 500 drops below 200-day moving average (00:28)Global market reactions and energy dependence (01:27)Oil as a key market driver (02:23)Consumer behavior and gas prices (03:45)Recession thresholds and oil prices (05:14)Fed's monetary policy outlook (07:18)Housing market dynamics and rate effects (11:08)Market corrections and long-term investing (14:30)Private credit risks and black box concerns (15:56)Market sentiment and potential recovery (19:16)Long-term investment perspective and control (20:17)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"Market reaction has been pretty tame so far.""Ghost GDP is a misleading narrative."In this episode of Market Chatter, Joey Loss and Adam Van Wie analyze recent market movements amid geopolitical tensions, focusing on the Iran conflict, oil prices, and their impact on global markets, interest rates, and investment strategies.Key Topics:Market Overview and Recent Events (00:00)Impact of AI on Employment and Economy (09:51)Investor Strategies in a Volatile Market (20:06)Geopolitical Tensions and Market Reactions (30:04)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"In that moment, the market decided, 'my gosh, people are going to build their own enterprise software by vibe coding through AI.”"It's funny at the index level to see that we're in one of the lowest S&P volatility periods. But if you look under the hood, there's just like, fire and cascades in different parts of the market."AI is shaking up the stock market, but not in the way most expected. In this episode of Market Chatter on Wealth Unplugged, we break down why software stocks are taking a massive hit and what it means for your portfolio. We also dive into the surprising surge in small caps and international stocks, share our thoughts on the Fed's next moves regarding inflation, and discuss the stark realities of the "K-Shaped" economy dividing American wealth.Key Topics:Intro & The "SaaSpocalypse" - (00:00)Is the AI Infrastructure Build-Out a Bubble? - (08:30)A Healthy Market Rotation: Small Caps & International Surging - (14:20)Fed Rate Cuts, Inflation Realities, & New Leadership - (24:20)The K-Shaped Economy: The Growing Divide in American Wealth - (31:40)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"Smaller is better so far this year."  "The sentiment is just in the tank."2026 has started with an upward trend for markets, but from unusual suspects. The market rotation is welcome.Joey and Adam unpack the Mag 7 earnings reports, what’s driving the S&P 500, small cap, emerging market, and international developed market dominance, inflation, the job market, housing, the state of the “AI bubble,” gold, silver, and whether it’s time for a rebalance.Key Topics:Market Overview: Sleeping Giants & The Rise of Small Caps (00:00)Job Market Dynamics: A Frozen State (14:27)Housing Market: Supply Challenges (22:36)Metals Market: The Surge and Fall of Gold and Silver (23:16)Investment Strategies: Rebalancing in a Volatile Market (29:20)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"Weekly jobless claims dropped below 200,000.""The overall performance has exceeded expectations... the factors for a healthy economy are aligning, even as uncertainties remain."2025 was another great year for investors. This marks the 3rd year in a bull market, and as we step into 2026, the horizon looks increasingly bright—save for any unforeseen global catastrophes.In our latest episode of Market Chatter, Adam and Joey break down the momentum that carried us through the past year and why the economic indicators are signaling a robust 12 months ahead for Strivus Wealth Partners' clients and listeners alike.While the year may not have felt like a constant sprint, the data tells a powerful story. Tune in to learn how healthy market rotations (away from tech), increasing market breadth, healthy consumer reports, declining interest rates, falling jobless claims, boosted tax incentives, and a normalizing yield curve set the stage for healthy market performance in 2026.Key Topics:Market Overview and Recent Trends (00:00)Tech Sector Insights (01:04)Consumer Health and Bank Earnings (05:08)Inflation Discussion (08:23)Silver and Gold Price Surge (09:18)Mortgage Rates and Yield Curve (13:47)Tax Changes and Economic Impact (18:02) This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"Comparison is a thief of joy.""What do we really want?""Wealth equals freedom."In this conversation, Chris Eckols shares how money is your tool for unlocking freedom and agency in your life.He encourages you to define wealth beyond money alone…suggesting that wealth is better defined as the freedom to make choices in life. He explains how your money behaviors start to improve and align once you’ve defined what this definition of wealth looks like for you.Joey and Chris explore the challenges of career satisfaction, the impact of comparison on happiness, and the necessity of taking inventory of one's life to align spending with true desires. Ultimately, the conversation highlights the essential exercise of creating a clear “why” and “what” to unlock your full cash flow potential and future wealth.Key Topics:Introduction to Chris Eckols (00:00 - 06:01)Understanding Money Behavior (06:02 - 09:03)Defining Wealth and Freedom (09:04 - 12:00)The Importance of Spending and Agency (12:01 - 14:57)Navigating Career Satisfaction (14:58 - 8:05)The Role of Purpose in Life (18:06 - 23:55)Cashflow Mavericks and Financial Behavior (23:56 - 27:07)Taking Inventory of Your Life (27:08 - 30:10)Preparing for the Unexpected (30:11 - 36:03)Finding Meaning in Work (36:04 - 39:06)The Impact of Comparison on Happiness (39:07 - 41:58)Closing Thoughts on Agency and Freedom (41:59 - 52:46)Resources:https://www.accessiblemoneycoach.com/This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“Companies just want to know the rules because once they know the rules, they know how to figure out how to make money.” Joey & Adam host the final “Market Chatter” session of the year. They reflected on the eventful year of 2025, marked by their company’s merger and a surge in business activity, especially in the fourth quarter. The discussion centered around key market trends and economic indicators, focusing on the S&P 500’s forward PE ratio and its implications for anticipated growth in 2026. They noted a shift in market dynamics, highlighting increased market breadth and diversification from the dominant “MAG7” stocks.They delved into the impact of tariffs earlier in the year, describing the market’s volatile reaction and subsequent recovery following a 90-day pause on reciprocal tariffs. The conversation also explored the tangible benefits of AI in their operations, enhancing efficiency in tasks like meeting preparation and note-taking.Further discussion revolved around 2025’s favorable tax environment, particularly the bonus depreciation benefits for businesses, which spurred increased economic activity, including a notable rise in corporate jet sales. They speculated on the economic effects of additional tax benefits set to activate in 2026, projecting continued growth and earnings potential.Looking ahead, Joey and Adam expressed optimism for 2026, anticipating favorable conditions and hoping for increased charitable giving due to new tax incentives. They concluded with holiday well wishes, looking forward to the next “Market Chatter” and a successful new year.Key Topics:Introduction and 2025 Year Review (00:00 - 02:30)S&P 500 Valuations and Market Growth Expectations (02:31 - 07:00)Q4 and Market Performance Trends (07:01 - 08:45)Market Breadth and MAG7 Performance (08:46 - 13:15)AI’s Impact on Business Operations (13:16 - 19:45)Tariff Impact and Economic Recovery (19:46 - 24:30)Bonus Depreciation and Tax Law Changes (24:31 - 27:45)Personal Tax Benefits and Charitable Deductions (27:46 - 30:30)Conclusion and Outlook for 2026 (30:31 - 36:00)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“It’s really hard to wrap your mind around change and the future. And I think it gets harder every year because the change goes faster and it gets exponentially larger.”In this episode of Market Chatter, hosts Joey Loss and Adam Van Wie, the session explored the current state of the financial markets, recent volatility, and potential future impacts of AI.Joey opened the discussion by expressing surprise at the recent halt in market momentum, and Adam provided insights into this development. He described the market’s recent volatility as expected, emphasizing that it was a normal correction after months of growth. Despite initial concerns, Adam noted several positive economic indicators, including strong reports from Nvidia, Walmart, and the labor market, suggesting no major negative forces were at play.The conversation transitioned to AI, with both hosts expressing enthusiasm about its transformative potential. They highlighted Nvidia’s remarkable performance and considered the broader implications of AI across various industries. Joey and Adam discussed its potential to revolutionize sectors like healthcare and housing, despite current challenges.The session also touched on the housing market and potential changes, such as the introduction of 50-year mortgages and mortgage portability. While recognizing potential benefits, Adam and Joey expressed concern about long-term equity and housing affordability.Throughout the meeting, both emphasized the importance of maintaining perspective amid market fluctuations and the speculative nature of current investments in AI. They urged listeners to remain calm and focused on long-term growth rather than short-term market disruptions.Key Topics:Market Volatility Overview (00:00)Positive News and Market Reaction (02:45)Market Personality and Earnings (06:50)AI Impact on Market and Industry (14:10)Housing and Mortgage Industry (33:00)General Economic Concerns (50:10)Closing Thoughts on Market Perspective (60:30)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“There’s a fine line between Grifter and Genius.”In this episode of “Market Chatter,” hosts Joey Loss and Adam Van Wie discuss recent market trends and concerns over a potential AI bubble. Adam shares insights from a Financial Planning Association conference in Vegas, emphasizing investment discipline. They analyze market performance, noting increased volatility and a rise in investor fear. Joey provides updates on major indexes’ year-to-date performance, highlighting the contrast between recent gains and short-term losses. The duo debates whether AI is in a bubble, referencing headlines and Sam Altman’s defensive stance on OpenAI’s financials. They explore risk factors, including government involvement in tech markets, and stress the importance of long-term investment strategies over reactive decisions. Concluding, Adam expresses optimism for end-of-year market trends, recalling the historical “Santa Claus rally” and advising investors to maintain a strategic allocation despite short-term fluctuations.Key Topics:Introduction and Adam's Vegas Trip (00:00)Market Overview (02:11)Market Fear and Volatility (05:04)I Bubble Discussion (07:26)Comparison to Historical Market Events (21:13)Thematic ETFs and Investment Strategy (30:00)Job Market and Amazon Layoffs (34:46)Closing Remarks (37:40)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

Two in five Americans can't handle a $400 surprise expense, and the median emergency fund sits at a shocking $500-600. Our hosts, Joey Loss and Adam Van Wie, tackle America's savings crisis head-on by offering a practical six-step framework for families to build wealth systematically.Gen Z has $400 saved, Millennials embarrassingly trail at $300, Gen X holds $500, and even Boomers over 61 manage only $2,000 on average. Against this backdrop, Joey and Adam lay out priorities that could mean the difference between prosperity and poverty.Step one: emergency fund. Three to six months of expenses creates a buffer between you and credit card debt, which is currently averaging 23% interest. Adam shares his personal victory of watching his 401k halve in 2008, then maxing contributions every year since, on his father's advice. Consistent saving works.Next, capture your full 401k match (it's free money), fund a Roth IRA if eligible, max your 401k ($23,500 under 50, $30,000+ over), then build a taxable account for flexibility. This three-bucket strategy—traditional, Roth, and taxable—creates what Adam calls a "tax menu" in retirement where you pick your annual tax bill.For families with kids, 529 plans come sixth, but with warnings. Don't overfund them. Don't prioritize them over retirement. You can borrow for college; you can't borrow for retirement. Florida's prepaid plan gets special mention, guaranteeing lock-in-state tuition rates even if you move away.The optional seventh step, kids' "liftoff accounts," brings up a debate about setting children up versus letting them struggle appropriately. Adam teaches investing through small UTMA accounts where his kids compete for returns. In fact, his son’s been crushing it with a prescient Fortnite-adjacent investment!Key Topics:America's Emergency Fund Crisis (06:57)Emergency Fund as Credit Card Buffer (07:49)401k Match Priority (14:20)Roth IRA Eligibility & Benefits (15:47)Maxing 401k Strategy (16:45)Taxable Account Flexibility (20:34)529 Plans & College Savings (24:13)Kids' Liftoff Accounts Debate (30:17)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"If in our job, we got a retirement plan 88% wrong, I think we would rightfully lose our jobs, or at least I would hope we should."In today’s installment of Market Chatter, Joey Loss and Adam Van Wie of Strivus Wealth Partners dissect the Bureau of Labor Statistics revision that wiped out 258,000 jobs—88% of the reported job creation from the past two months—and what this institutional failure means for Fed policy, market volatility, and your portfolio.The timing couldn't have been worse. Wednesday, Powell stands firm on no rate cuts, despite two dissenters on his board (the first time since the 1990s). Friday, the BLS essentially admits: "Oops, those jobs we've been counting? Most of them never existed." The original forecast called for 100,000 new jobs; reality delivered around 70,000. But the real bombshell is that revisions have erased nearly 90% of previously reported job growth.More than bureaucratic incompetence, this is market-moving mayhem. The Fed makes critical policy decisions based on these numbers. Investors gauge economic health through this lens. When your data is 88% wrong, everyone's flying blind. The CME Fed Watch tool went haywire, swinging 60% in both directions within 48 hours.Joey and Adam pivot to portfolio implications. Growth stocks continue their mysterious dominance—up 17% last quarter, while some value funds actually lost money. Historical patterns suggest owning both, but timing the switch is a fool's errand. The Mag Seven defy gravity in every economic environment, while small caps languish in a 15-year slump.There’s a silver lining, though. The democratization of investing through zero-fee trading has created an army of dip-buyers. Robinhood deserves credit—when you can invest $10 with zero fees into funds owning thousands of companies, wealth-building becomes accessible to everyone.Looking ahead, expect volatility through September (traders returning from the Hamptons), but Q4 historically delivers Santa Claus rallies. With housing markets shifting from seller's paradise to buyer's opportunity and rate cuts now virtually guaranteed, positioning matters more than ever. Key Topics:Fed Meeting on Rate Cuts & Two Dissenters (00:52)Market Reaction & Institutional Incompetence (03:32)Rate Cut Probability Swings (12:10)Housing Market Shifts (14:01)Diversification Matters (16:58)Zero-Fee Trading Revolution (18:52)Seasonal Volatility Patterns (22:51) This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“When you understand taxes, there’s so much that you can do that when you add them together, they really do make a difference.”Today, Joey breaks down 15 key changes in the new 900-page tax bill—what’s already in effect, what’s changing, and how it impacts your income, investments, business, and retirement.First, the big picture: the U.S. deficit sits at $36 trillion. This tax bill, while aimed at economic growth, is expected to add another $5 trillion to the deficit in the next decade.Joey walks through three possible deficit solutions—print money (hello, inflation!), raise taxes (bad for growth), or cut taxes and encourage spending. The bill leans into the third. Tax brackets stay low, tips and overtime see new exemptions, and universal deductions for charitable giving finally throw a bone to the 90% who don’t itemize.Adjusted gross income (AGI) gets a break with smarter 529 rules and the new MAGA account—a $500–$1,000 government-funded growth account for each US Citizen born between 2025 and 2028.Seniors win big with a bonus standard deduction that effectively erases taxes for those living on Social Security. Business owners can breathe easier with a now-permanent 20% QBI deduction. And if you’re living in a high-tax state, the SALT cap just jumped from $10K to $40K.Caveat: EV credits vanish after September, so act fast. Meanwhile, the estate exemption stays at $15M per person, avoiding massive tax burdens for wealth transfers—at least for now.Tax policy may be nerdy, but smart planning can meaningfully boost your nest egg over time. Don’t ignore the small stuff—it adds up.Key Topics:U.S. Deficit & Economic Strategy (00:05)New Tax Brackets & Income Planning (06:58)Tips, Overtime & Investment Income (10:37)Universal Charitable Deduction (12:50)529 Expansion & MAGA Accounts (14:40)Senior Deductions & Social Security (19:31)QBI Deduction & SALT Cap (21:54)EV Credit Expiration (25:50)Estate Tax Exemption Made Permanent (26:53)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

When the economy zigs, the headlines zag.Our hosts, Joey Loss and Adam Van Wie, decipher today’s market highs and trade war fears, revealing why the market keeps trending upward, even as tariffs dominate the news cycle.They zoom in on more than just tariff talk. They explain how policies limiting chip exports to China are part of a bigger play: keeping America competitive in AI and defense. It’s not just about taxing imports—it's about national strategy.Enter the “One Big Beautiful Bill Act,” a proposed stimulus-style tax policy favoring immediate deductions on capital expenditures. The logic? Make 2025 look too good to delay. It’s a bet on growth—manufacturing, employment, and GDP—all without waiting on the Fed to cut rates.Speaking of which, inflation remains low by global standards (1.84%), and though rate cuts aren’t imminent, Joey and Adam caution against overconfidence in predictions. What’s truly surprising is that the job market’s still chugging along, even as government jobs dip. Wage growth at 3.9%? That’s nothing to sneeze at.Their advice? Don’t let politics—or panic—drive your portfolio. Diversification and long-term thinking are winning again. The drama may be noisy, but the fundamentals remain quietly strong.Key Topics:Tariffs, Chips, and Strategic Trade Policy (02:04)Business Stimulus and the “One Big Beautiful Bill Act” (05:14)Inflation, Fed Cuts & Global Comparison (08:41)Jobs Report: What's “Just Right”? (17:34)Long-Term Investing & Staying the Course (21:56)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“The healthier you are, the cheaper it is. The younger you are, the cheaper it is. When you get some sort of disease, the more premium you’ll have to pay. There is no workaround for that.”Our host, Joey Loss, interviews Peachie Thompson, founder of Peach Insurance Services, on why life and disability insurance are foundational for sound financial planning, especially for young families.Peachie makes it clear that the younger and healthier you are, the cheaper insurance is. Yet, many delay action until it’s too late.She tells the story of a 24-year-old woman who qualified for top-tier rates but delayed payment. When diagnosed with a benign brain tumor, she lost eligibility for affordable coverage—an avoidable outcome. Another example includes a COVID-era surge in insurance interest when people suddenly faced their mortality. Unfortunately, many were uninsurable by then. Without a doubt, timing is everything.Peachie also gives her thoughts on disability insurance and how it protects income when illness or injury prevents work. It's crucial for single-income households and is often misunderstood. Many rely on employer-sponsored group plans without realizing limitations, like caps and tax implications. Private coverage, Peachie explains, is portable, customizable, and often essential to supplement group plans.It’s important to build your foundation during those “boring” healthy years—before triggering events force reactive decisions. This also includes structuring insurance payouts through trusts to protect beneficiaries from future spouses, lawsuits, or creditors.After all, the cost of ignoring life or disability insurance can far outweigh the premiums. It’s not just financial coverage—it’s peace of mind and protection for the people who matter most.Key Topics:Why You Need to Be Thinking About Life Insurance Now (00:00)What Happens When You Take Too Long to Buy Insurance? (10:00)Disability Insurance: What It Covers and Why It’s Misunderstood (20:20)Group vs. Private Disability Coverage (24:42)How Insurance Complements Estate Planning (36:17)Resources:PeachInsurance.netPeachie Thompson on LinkedInThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

The past month has brought a staggering V-shaped market recovery—one sharper and faster than even the post-COVID rebound. As Joey Loss and Adam Van Wie discuss, it serves as a reminder that markets don’t just bounce; they whiplash in ways that defy headlines, sentiment, and short-term logic.Despite being just a few points off their all-time highs, the S&P, Dow, and NASDAQ are surging not on hype, but on breadth. This isn’t just the Mag 7—it’s a recovery touching unloved sectors and small caps alike. Even international markets have shown surprising strength. But the core message? Don’t mistake momentum for certainty.Tariff fears, inflation concerns, and a Moody’s downgrade have made noise, but history shows that markets often rally in the face of doubt. As Adam notes, the smartest investors weren't market timing; they were quietly rebalancing portfolios, letting discipline, not panic, guide strategy. That’s where the wins were.Retail sentiment, social media echo chambers, and political divides muddy perception. Yet the fundamentals tell a clearer story: inflation is trending down, optimism is rising, and earnings will be key. Momentum may carry the market, but valuations demand scrutiny.Whether you're navigating trade policy, rate cut speculation, or the ever-louder digital noise, the same lesson holds true: stick to the plan. Don’t react to every scare. Stay diversified. The market may be rigged—but it’s rigged in favor of those with patience, perspective, and a long-term view.Key Topics:The Current State of the Market (00:00)Winners and Losers Over the Past Month (04:49)Fundamentals That Have Shaped the Market in the Last 4 Weeks (09:27)Why It’s Dangerous to Try to Time the Market (11:57)Escaping Your Echo Chamber (14:04)Is Inflation Going Up Or Down? (19:59)Key Economic News (23:14)What We Currently Know About Changes to the Tax Law (26:57)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“The market is a rigged game—but it’s rigged in your favor.”Today, Adam Van Wie and Joey Loss of Strivus Wealth Partners break down the sudden upswing in the S&P 500 and Dow Jones that’s led to a rare ten-day rally. They trace the roots of today’s geopolitical tensions through a historical lens and give their thoughts on why we might just be entering the third year of a bull market.As macro data show mixed signals—like a Q1 GDP dip offset by strong business investment and steady job numbers—there’s a key lesson: Reacting to short-term turbulence can undermine long-term success.From fears of a recession to tariff tensions and shifting trade policies, the past six months have been a rollercoaster of geopolitical and economic volatility. Yet, Adam’s advice remains consistent: Don’t chase headlines. The markets are forward-looking and notoriously unpredictable. Instead of scrambling after every dip or rally, investors should stay diversified and focused on their time horizons.With AI-driven growth in tech, evolving global trade talks, and a potential rate cut from the Fed on the horizon, conditions remain dynamic. But the real takeaway? As tempting as it is to react, history proves the best outcomes often come from disciplined patience, not panic.So ignore the noise and stick to the plan.Key Topics:Are We Looking at a Bull Market in 2025? (00:00)What the Latest Reports Tell Us (04:51)Why Joey and Adam Are Optimistic About Geopolitics So Far (06:20)Looking Forward (11:10)Adam’s Investment Philosophy (16:38)What Trump’s Tariffs Mean for Investors Going Forward (21:29)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

Tariffs are back in the headlines—and markets aren’t handling it well.A new wave of trade penalties, including a universal 10% import tariff and a steep 25% on Canadian and Mexican goods, has triggered a ripple of fear through global markets. The result? A skittish S&P, a tech-heavy NASDAQ off 13%, and investor sentiment near historic lows. But beneath the surface panic lies a tale of two economies.Those who entered the COVID era with assets—homes, portfolios, pensions—are emerging stronger. But renters, young families, and blue-collar workers are bearing the brunt of inflation and now face what amounts to a regressive tax. Tariffs, by their nature, raise prices, and those who spend more of their income on essentials feel it most. In other words: the economic divide is deepening.Yet even amid uncertainty, opportunity exists. Utilities, commodities, and international markets—especially Europe—are quietly outperforming. And with inflation moderating and potential rate cuts on the horizon, the Fed may have room to maneuver.What’s the play? Diversify. Rebalance. Think long-term. If you’re heavily concentrated in a few tech names, this might be your chance to reassess. Sharp drawdowns tend to reward patient investors—those who ignore the headlines and focus on fundamentals.Yes, the noise is deafening. Yes, the future is murky. But that’s often when portfolios are quietly built, not broken.Bottom line: stay the course. History favors the disciplined, and panicking rarely pays.Key Topics:The Problem with Living in the Post-COVID World (01:29)What Exactly Are Tariffs? (05:54)The Current State of the Market (10:45)How These Tariffs Could Impact the Near Future (14:24)Implications of the Latest Michigan Consumer Confidence Survey (22:57)Closing Thoughts (35:05)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

Markets tanked, small caps got crushed, and investors were left scrambling. What triggered the chaos?“Liberation Day,” a bold and controversial move by the Trump administration that slapped a blanket 10% tariff on all imports—plus targeted penalties for countries deemed unfair trade partners. The result? A sharp 34% market drop by Friday morning and a wave of uncertainty for global investors. Our host Joey Loss, along with business partner Adam Van Wie, break it down.While the policy aims to correct imbalanced trade relationships, critics argue it’s built on a flawed premise. Trade deficits, they point out, aren’t inherently negative. What matters more is reciprocity—when U.S. goods face stiff barriers abroad but foreign products enter American markets freely, the playing field is skewed.But amid the panic, the message to investors is clear: don’t react emotionally. History has shown time and again that attempting to time the market during moments like this only worsens losses. Sharp declines often pave the way for strong rebounds, and those who stay invested typically come out ahead.Recession chatter is growing—JPMorgan just raised its odds to 60%—but there are bright spots. Job numbers remain solid, inflation appears to be cooling, and there’s still hope that tariffs are being used as leverage rather than long-term policy. If that’s the case, we could be staring at a rare buying opportunity.Bottom line: hold steady. Diversify. Think long-term. The worst financial decisions are made in panic—and the best are made when others are panicking.Key Topics:What is Liberation Day? (00:00)Our Thoughts on Reciprocal Tariffs (06:54)What Investors Can Do (08:09)Current Job Numbers (15:26)A Balanced Portfolio is Your Best Friend (22:19)The Story We’re Not Being Told Being the Tariff Regime (25:00)Is This An Excellent Buying Opportunity? (30:08)Resources:Truflation ToolThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“You cannot predict what the market is going to do. Your investment experience must be built on expected outcomes and formed around things that you can control.”Our host Joey Loss is joined by Skylar Liang from Dimensional Fund Advisors to discuss best practices for investing success in the long-term.“So little of the market’s behavior is in our control. The only thing that is in our control is our behavior towards the market.”They dive into the merits of diversification and maintaining a big-picture perspective amidst the changing tides of the market, especially with the ever-evolving geopolitics we’re currently facing, as well as the recent explosion of new retail investors.“When it comes to investing, you need uncertainty. Without uncertainty, you might as well own cash and bonds. There would be no premium for being in stocks.”Joey and Skylar also explore Dimensional's evolution from its institutional beginnings in the 1980s to becoming a key partner to today’s financial advisors. Skylar shares insights into the company's “backend” strategies, distinguishing them from traditional index funds by emphasizing cost reduction and optimized returns. She discusses the importance of balancing strategic investment approaches with flexibility, avoiding headlines, and being married to only one or two stocks.Key Topics:About Skylar Liang and Dimensional Fund Advisors (00:00)Defining “Value Investing” (03:32)Dimensional’s Outlook on the Market (09:33)The Valuation Equation (12:30)Controlling Your Behavior Towards the Market (18:00)Why Uncertainty is a Good Thing (23:37)The Value of Financial Planners (27:40)Dimensional’s Foray Into the Advisor Space (29:01)Dimensional’s ETF Lineup (33:43)Considerations Around Index Funds (34:42)Resources:Dimensional WebsiteThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“Don’t make long-term investment decisions based on short-term events. It will only lead to losses.”Have the unpredictable market swings in recent months been giving you whiplash?Today, Joey Loss and Adam Van Wie unpack the current state of the NASDAQ, S&P 500, and emerging markets, all while navigating through the geopolitical storms fueled by tariff threats and unexpected European Central Bank decisions. They also give their thoughts on looming recession fears from Wall Street and beyond, as well as the impact of extended tariffs on various sectors of society.Throughout the conversation, Adam and Joey stress the importance of understanding how shifting your focus from short-term market jitters to long-term investment strategies can make all the difference in your portfolio (and your sanity).You can’t rely on textbook theories and “rules” when managing a portfolio. After all, the real world is unpredictable. It requires us to embrace pragmatism and the ability to pivot quickly if we don’t want to get left behind.At the same time, our decisions as investors must be based on a sound, long-term strategy with an emphasis on diversification. That way, we protect ourselves from wild swings in the market, not only in today’s turbulent geopolitical and economic environment, but tomorrow’s as well.Key Topics:Navigating the Market in Times of Uncertainty (00:00)Headlines (04:03)The Impact of Tariffs on Different Areas of Spending (05:35)The European Spending Splurge (08:57)Ever-Increasing Debt in the Post-COVID Era (13:31)Adam’s Market Forecast (14:40)How Strategic Asset Allocation Protects You From Wild Market Swings (20:15)Today’s Market Analysis and Tariff News (21:38)Making Wise Investment Decisions Going Forward (23:36)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“One of the big exercises you have to do is try to disassociate the emotion of your company to the reality of what the equity, in a worst case scenario going down, can do to your financial life.”Today, our host, Joey Loss, sits down with Brett Wysopal, a career changer who made the leap from professional hockey to financial planning. Brett shares how the financially challenging world of pro sports cultivated his appreciation for sound financial planning and shaped his money beliefs. Joey and Brett discuss the transformative journey from a stable income to the uncertainties of starting a new venture and how financial experiences profoundly impact personal habits and perspectives. Brett's story is a testament to the power of money as a tool for navigating life choices and possibilities.Joey and Brett shift gears to examine the complexities of managing equity packages for employees of private companies. The discussion highlights the unique risks and challenges faced by those without guaranteed liquidity events and underscores the importance of balancing investments with personal financial goals. They illustrate the dangers of losing sight of tangible goals in pursuit of uncertain windfalls. A regret minimization framework is presented as a valuable tool for decision-making, guiding individuals through the uncertainties of equity investments while keeping their personal life goals in focus.In wrapping, Joey and Brett emphasize the critical importance of liquidity for employees of private companies, particularly those dealing with equity compensation. The conversation stresses the value of strategic planning to maximize liquidity opportunities, such as using high-yield savings accounts instead of maxing out 401(k)s.Joey and Brett also look into tax planning intricacies surrounding equity compensation, underscoring the need for proactive strategies and the value of knowledgeable financial advisors. With real-world examples and personal insights, they aim to equip listeners with the knowledge needed to navigate the complex world of equity compensation and financial planning.Key Topics:Brett Wysopal’s Career Journey (00:00)The Role of Life Planning in Financial Decisions (04:04)Parallels Between Sports and Financial Planning (06:38)Navigating Equity Compensation and Financial Stress (09:55)Challenges of Private Company Equity and Liquidity Planning (13:52)Emotional and Psychological Aspects of Equity Compensation (26:08)Tax Planning and Optimizing Equity Compensation (26:26)The Role of Financial Education in Equity Compensation (34:48)Wrap-Up and Resources (37:32)Resources:Wysopal WealthBrett Wysopal on LinkedInThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

With 2024 in the books and a new president in the White House, what investment strategy should you be adopting to make 2025 a success?Our hosts, Joey Loss, and Adam Van Wie, reflect on the technological and geopolitical shifts that have shaped last year’s market and what to expect going forward.They look back at the remarkable performances of the NASDAQ and S&P 500, and how policy changes under Donald Trump's administration might shape the future for small businesses. They share their thoughts on the Trump tax law extension, especially the QBI deduction, as a vital lifeline for entrepreneurs.Changing focus to the dynamic forces driving market trends, Joey and Adam break down the AI boom and the recent surge in consumer discretionary spending. They also chat about how NVIDIA's standout performance in the semiconductor industry serves as a testament to technology's intertwined role in market health.A common question they’ve been getting at the turn of the new year is the best way to invest in AI moving forward. Joey and Adam offer their take on this, alongside their thoughts on AI's impact on job security,  and why we need more open-minded analyses of economic forecasts in a world brimming with both optimism and doubt.Wrapping up, they explain why a diversified portfolio will always lead to more success than attempting to time the market or going all in on a single stock or sector.Key Topics:Quick Market Return Stats in 2024 (02:38)Discussing the Implications of Trump’s Inauguration Speech (04:40)Top Factors That Impacted the Market in 2024 (07:38)“How Do I Invest in AI in 2025?” (12:19)Is the Defense Sector Poised to Win? (17:38)Short-Term Volatility in the Next 100 Days (20:40)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

In times of political change, the key to financial resilience is not panic, but preparation.In this edition of the Market Chatter series, our host Joey Loss, along with fellow CFP® Adam Van Wie unpack the financial implications of the recent U.S. election, where Donald Trump has returned as the 47th president, bringing with him potential shifts in economic policy. They discuss the immediate market reactions and what the Republican majority in the Senate (and possible sweep) might mean for the economy. They explore possible changes in tax policy, including implications for income and estate taxes, and consider how these developments could affect your financial planning and investments.Joey and Adam also examine the impact of tax policies on the markets, highlighting the benefits of a long-term investment strategy amidst political changes. With a focus on Trump's pro-business stance, they consider how maintaining the corporate tax rate at 21% and the Qualified Business Income deduction might influence small business owners. Additionally, they tackle the complexities of estate tax planning, particularly for high-net-worth individuals, and the potential for policy changes after 2025. Listen in as they analyze the Federal Reserve's anticipated rate cut and its effect on the market, while also shedding light on the yield curve's implications for fixed-income investments. All this and more in this edition of Market Chatter - a series of Wealth Unplugged.Key Topics:Election Results and Initial Market Reactions (00:00)Market and Economic Impact Post-Election (03:12)Fixed Income Market and Economic Uncertainty (06:03)Tax Implications of the New Administration (11:31)Estate Tax Considerations (18:35)Final Thoughts and Future Outlook (25:34)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“[Not having adequate insurance] takes away your ability to continue building wealth as you had. It's important to make sure you have that floor, to make sure when you take a step forward, there's no step back."Our host Joey Loss explores the critical role of insurance in protecting your financial assets with personal injury attorney Rakin Hamad of Curcio Law. Rakin walks us through the fundamentals of personal injury cases, including liability, damages, and insurance coverage. He highlights the importance of adequate insurance and explains how negligence determines liability, using real-life examples to underscore the financial repercussions of insufficient coverage.Joey and Rakin then shift focus to maximizing your insurance coverage for asset protection, particularly auto insurance. Learn about the necessity of bodily injury and uninsured/underinsured motorist coverage. Discover how matching your uninsured motorist coverage with your bodily injury coverage can shield you from significant financial loss. They also touch on the benefits of umbrella coverage for those with substantial assets, offering broader liability protection.Joey and Rakin emphasize the importance of liability insurance coverage for both businesses and individuals. Through compelling case studies, they illustrate how the presence or absence of insurance can drastically impact financial outcomes. Understand the essentials of personal liability coverage within homeowner's and renter's insurance, and learn how to navigate rising premiums and ensure adequate protection. With insights into medical benefits coverage and bodily injury limits, they provide practical advice on safeguarding your financial future against unexpected liabilities. Listen in for a comprehensive guide to protecting your wealth through strategic insurance planning.Key Topics:Understanding Personal Liability and Insurance Coverage (00:00)The Importance of Insurance Coverage (03:54)Vicarious Liability and Business Owners (05:07)The Role of Uninsured Motorist Coverage (08:27)The Benefits of Umbrella Coverage (18:07)Stories Illustrating the Importance of Insurance (35:58)The Role of Financial Planners in Insurance Planning (36:16)The Impact of Insurance on Financial Planning (36:32)Additional Insurance Coverages and Their Benefits (36:44)Wrap-Up and Final Thoughts (40:04)Resources:Curcio LawThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"It’s almost like you lock in the emotion that you felt at the bottom of the market when you sell at that moment, like you just can’t get past it."Can the Federal Reserve's rate cuts reshape the real estate market and your investments? Join our host Joey Loss for another exciting episode with Adam Van Wie, who returns, this time, for a brand-new monthly segment called Market Chatter. They’re dissecting the Federal Reserve's impending decision on rate cuts and their profound implications on the economy, inflation, and especially the real estate sector.Joey and Adam take a closer look at the current market landscape, which is in a state of neutrality with a balanced breadth. Hear how previously underperforming sectors are starting to gain traction, a positive sign for diversified portfolios. They also break down the importance of understanding systematic and unsystematic risks and how a wider market breadth can mitigate these risks. Comparing this year's performance to last year's, they uncover trends that could provide guidance for your investment strategies in the months ahead.Finally, Joey and Adam tackle the emotional rollercoaster of market timing and the influence of media hype on market reactions. Through personal stories and historical insights, they shed light on the pitfalls of trying to predict market movements and the value of a disciplined, long-term strategy. They analyze a recent overblown market reaction dubbed "Black Monday 2.0" and discuss how to stay grounded amidst sensational headlines. Wrapping up, they emphasize the resilience of markets over the past five years and the importance of a buy-and-hold strategy and diversification in navigating market volatility. Tune in to gain valuable insights and equip yourself to confidently navigate the ever-changing financial landscape.Key Topics:Fed Rate Cut and Economic Data (00:00)Loose Money Policy vs Tight Money Policy (03:07)Impact of Rate Cuts on Investments (07:49)Market Performance and Broadening Breadth (11:02)Systematic vs. Unsystematic Risk (14:10)Market Timing and Long-Term Investing (16:51)Recent Market Volatility and Media Sensationalism (23:35)Historical Market Performance and Future Outlook (26:40)Wrap-up (35:23)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“Whenever you talk about finance, it bleeds into life. And whenever you talk about life, it bleeds into finance. So there’s really no clear-cut way to differentiate life from finance and vice versa. I’m trying to tie the neuroscience behind [financial] decisions into it.”How do hidden biases shape your financial decisions? Our host Joey Loss sits down with Dr. Oliver Schnusenberg, a finance professor at the University of North Florida, who took on the ambitious task of creating the first behavioral finance course in the Florida State University System. Dr. Schnusenberg opens up about his journey, from academic hallways to the intricate world of behavioral finance, and shares insights into the psychological forces behind our financial choices, such as confirmation bias and loss aversion.Dr. Schnusenberg explores the pivotal role of neuroplasticity and the continuous evolution of our brains. Joey and Dr. Schnusenberg delve into the deeper layers of epigenetics and intergenerational trauma, highlighting the need to address entrenched behavioral patterns for meaningful change, and champion techniques like active listening and goal alignment.Joey and Dr. Schnusenberg discuss the unspoken financial assumptions couples often wrestle with and introduce methods like money scripts and customized communication strategies to facilitate better conversations. Whether in personal or business relationships, the principles of balancing money and emotions are universal. Tune in for an insightful episode that journeys into finance, neuroscience, and much more!Key TopicsWelcome, Dr. Oliver Schnusenberg! (00:42)Behavioral Finance, Neuroscience, and Financial Therapy (02:25)Financial Life Coaching and its Impact on Personal Growth (08:50)Intergenerational Trauma and its Impact on Personal Growth (15:03)Financial Planning, Communication, and Emotions in Relationships (20:32)Money Values and Conflicts in Relationships (29:08)Strengthening Financial Relationships and Goals with a Financial Therapist (32:38)Resources:EquilibriaEvolution.comThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“Mindset is so critical. You've got to have not just the unwavering belief, but that resilience.”Unlock the secrets to entrepreneurial success as our host Joey Loss sits down with Jay Dotson, partner and fractional CFO at Prosper CFO. This episode is packed with actionable insights, from the essential mindset required for early-stage business success to the critical role of networking and resourcefulness. Learn how unwavering belief, resilience, and grit can guide you through the initial challenges, while effective asset inventory management and understanding available resources can drive your business growth.Transitioning from startup to scale-up requires a shift in focus, and Joey and Jay cover that in depth. Jay emphasizes prioritizing cash flow over profit and the importance of refining operational processes. Discover how taking exceptional care of early clients can help iron out operational kinks, and why forming strategic partnerships is key to scaling.Balancing entrepreneurship with personal life is no easy feat, and Jay offers invaluable advice on aligning business strategies with family goals. Joey and Jay explore the concept of "money scripts" and their impact on financial decisions, as well as the importance of proactive communication within the family. This episode provides a holistic approach to managing both professional aspirations and personal commitments, ensuring that your entrepreneurial journey is both successful and fulfilling.Key Topics:Welcome, Jay Dotson! (00:39)Resilience as a Key to Growth in Entrepreneurship (06:19)Scaling Businesses, CEO Mindset, and Financial Decisions (12:10)Outsourcing for Business Growth (16:21)Money Scripts and Emotional Baggage in Business (21:11)Business Growth and Goal Alignment for Long-term Success (24:13)Focusing on Goals but Also Enjoying the Ride (27:42)Exit Planning and Time Margin in Business (31:54)Navigating Entrepreneurship with Family Responsibilities (36:51)Managing Time and Prioritizing Commitments (41:43)Resources:Prosper CFO7SourcesOfCash.comJay Dotson on LinkedInThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"I can't tell you how many people have said, 'I want to retire early.' And I said, 'Great, what are you going to retire to?' And they just pause, some of them chuckle. And I brought this up to many people and I said 'Retirement is not a wedding, it's a marriage. It's not a one-day event.'"Our host Joey Loss sits down with Maggie Klokkenga, a seasoned financial planner, who shares her riveting journey from founding her firm to joining Abundo Wealth. Maggie reveals the hurdles of solo entrepreneurship and why she ultimately thrived in a team setting. She offers priceless advice on the necessity of understanding current cash flow for effective retirement planning and the complexities of business growth, shedding light on the realities of stepping into a CEO role.Ever wondered how childhood experiences shape your financial behaviors? Maggie delves into the world of money scripts and attachment styles, utilizing the Klontz Money Script Inventory (KMSI) to reveal hidden financial habits. Through compelling client stories, she illustrates how early financial insecurities manifest in adult spending patterns. These narratives open doors to intentional change, demonstrating the need for patience and faith in the financial planning process.Balancing financial planning with personal well-being can be daunting, but Maggie offers practical tips to make the journey smoother. Learn how to track expenses effectively, manage subscriptions, and avoid being overwhelmed by financial decisions. Through personal anecdotes, including her own quarterly spending reviews with her spouse, Maggie underscores how unnoticed expenses can derail financial goals. This episode is a treasure trove of strategies to enhance your financial planning journey while maintaining a balanced, fulfilling life.Key Topics:Welcome, Maggie Klokkenga! (01:05)Financial Planning, Entrepreneurship, and the Challenges of Running a Solo RIA (04:52)Money Scripts and Their Impact on Financial Planning and Relationships (12:12)Financial Planning, Coaching, and Retirement Goals (21:28)Finding Balance Between Work, Health, and Retirement Goals (27:03)Tracking Expenses and Reducing Unnecessary Spending (33:03)Budgeting, Spending, and Financial Planning (38:51)Resources:AbundoWealth.comMaggie on LinkedInKMSI-R – Money Scripts ToolFuture Self Tool – Geared Towards StudentsThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“One of the classic examples is ‘if you want to be wealthy, you have to cut out your Starbucks habit.’ It's just an oversimplification of a much larger problem and the reality is, no one ever got rich by quitting Starbucks.”Fellow Financial Planner Adam Van Wie sits down with our host Joey Loss to debunk the ‘Starbucks myth’ (and so many more) and shares a treasure trove of wisdom for those looking to future-proof their finances! Together, Adam and Joey peel back the layers of financial planning, discussing how it’s not about mere cost-cutting, but aligning your spending with deeply held values for a truly fulfilling life.The recent global upheaval has us all reexamining our spending habits, often forcing us to make choices that veer off course from the future we’ve planned for ourselves. Adam underscores the importance of financial advisors as navigators, helping to steer through the choppy waters of impulsive, often meaningless spending and align financial decisions with life goals. Joey and Adam carve through the noise of social media's financial "hacks" and highlight why a proactive approach to cash flow and tax strategy is more than just smart—it's essential.Adam and Joey speak to the newer investors making their first bold strides in the investment world. They explore why a dash of conservatism in investment choices can be a golden move for short-term objectives and why life insurance is a keystone in the architecture of a sound financial plan!Key Topics:How Adam got into Financial Planning (01:45)“Money is Just a Tool, Not the Object of Wealth Planning.” (5:22)Avoiding Buyer’s Remorse (14:20)“Most Financial Arguments, Especially on Twitter, Are Just People with Different Time Horizons Talking Over One Another.” (16:32)“You Can’t Consistently Outspend Your Income And Build Wealth At The Same Time.” (18:50)Why Time Horizons are so Important in Financial Planning (22:23)Pre-Tax Versus Roth IRA (29:13)How Young People Can Better Prioritize Their Finances (32:41)Investing When You Have Little Money (37:04)The Importance of Life Insurance (39:02)Why Young People Should Consider Speaking With a Financial Planner Early On (42:19)Resources:Van Wie FinancialThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

“I also know that you're working really hard because you want to take care of your family and you're building this business that you love. So those things all make it fine. But it's just an adjustment. And, communication between you and I, throughout the whole thing has been key.”My wife, Elizabeth, and I open up about the rollercoaster of emotions and challenges we've faced over the past two years—from meeting through a dating app, to the leap of faith in starting my business, Flow Financial, to the arrival of our daughter, Ellis.Listen in as we look into the complexities of juggling a new business with a growing family. We talk about how downsizing our income and lifestyle not only tested but ultimately strengthened our bond and found that dialing back on excess, like our second car, bought us more time to do what we believed mattered most.Wrapping up, we look back at the challenges I faced in marketing Flow Financial and how Elizabeth bridged that huge gap in my skill set and took the company to heights I never expected it to reach in such a short time!Key Topics:Elizabeth’s Take on the Journey of Flow Financial (04:15)Compromises in the Day-To-Day and Scaling Lifestyle (9:12)Combining Incomes (15:16)Toughest Challenges so Far (20:21)Deciding How Much to Outsource (24:00)Why Making Decisions as a Team is so Important (27:12)Our Closing Thoughts (30:18)This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"Those earliest experiences around money, we may not even consciously remember them, but they definitely can be driving decisions, both for ourselves and how we interact with partners."In marriage, money can often feel like a taboo topic. Financial Therapist Ed Coambs, host of the Healthy Love & Money Podcast, joins our host, Financial Planner Joey Loss, to unravel the emotional tapestry woven by our childhood experiences with money, revealing how those experiences impact our adult relationships for better or worse.Listen in as Ed demystifies the emotional minefield that can appear when love and money mix, encouraging partners to embrace the power of open communication and empathetic understanding as a starting point to greater financial maturity. Ed brings attachment theory into the conversation, explaining how your particular attachment style shapes your emotional tendencies when discussing money. He offers practical, heart-centered advice for couples looking to bridge divides and construct a shared financial vision that's more about “we” and less about “me.”To Ed, a negative relationship with money is always rooted in past hurts and relational trust issues. Joey and Ed discuss the importance of empathy and curiosity in better understanding our partner's financial roadblocks and how that understanding can change our interactions from merely transactional to more purposeful.Key Topics:What Clients Really Want From Their Financial Advisors (01:00)How Younger Experiences Impact Behavior Towards Money As We Get Older (7:35)What Does Financial Responsibility Actually Look Like? (13:32)How To Use Attachment Theory To Explain (And Resolve) Financial Conflict (18:57)Growing Emotionally Through Mature Relationships (28:26)Should We Combine Household Incomes Or Keep Them Separate? (32:02)Financial Maturity As A Lifelong Journey (37:14)Money Dialects (41:02)Resources:Healthy Love and Money: The Couples Guide to Financial IntimacyEd on LinkedIn and InstagramThis podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.

"Financial success and a meaningful relationship with money are not as simple as always doing the financially optimal thing at the financially opportune time."Unlock the pathways to a richer life, where wealth goes far beyond numbers and nest eggs. Our host, Certified Financial Planner Joey Loss takes us on an enlightening exploration of money's multifaceted role in our daily existence.  Wealth Unplugged dives so much deeper than financial "how-to's" or tricks and tips. Joey delivers transformational stories and insights that resonate at the core of who we are. Let's redefine what wealth means, appreciating it as an essential tool that, when wielded with wisdom, shapes our lives, relationships, and legacies.Follow Wealth Unplugged and join a community committed to navigating the rich, complex, and often emotional landscape of personal finance.This podcast is brought to you by Joey Loss, CFP®, Adam Van Wie, CFP®, and Strivus Wealth Partners. Through Strivus, Joey and Adam provide financial planning and investment management services to clients across the country from their home base in Jacksonville Beach, Florida.You can find show notes and transcript of the conversations here: Strivus Wealth - Wealth Unplugged.Follow Joey & Strivus on Social Media:InstagramLinkedInTwitter (X) Read our audio, video, and written content disclaimer here.