Bond&Devick's Beyond the Numbers Podcast

In this episode, Zack and Brittany unpack the essentials of Social Security—from the core basics to the latest headlines shaping today’s conversations. They dive into hot topics, tackle real client questions, and explore unique situations that highlight how personalized Social Security planning should be.

What does the transition to retirement really look like? In this episode, RJ Devick sits down with two couples who recently retired to explore what life looks like after decades of work. Together, they dive into the emotional and practical shifts that come with this major life change—from redefining identity and balancing expectations vs. reality to establishing new routines, navigating relationships, and prioritizing health and well‑being.Join us for an insightful, candid conversation about the challenges, surprises, and joys of building a fulfilling life in retirement.

In this episode, Zack and Brittany break down the essentials of Medicare—what it is, how it works, and what you need to know to navigate it with confidence. They cover the four parts of Medicare, enrollment basics, common pitfalls, the differences between Medigap and Medicare Advantage, and how IRMAA works.

RJ Devick, Bond&Devick's CEO, and Karla Hult, an Emmy, Edward R. Murrow, and Walter Cronkite Award-winning journalist, storyteller, and founder of So Many Goodbyes, talk about the emotional toll of caregiving, the importance of early planning, and the resources available to families navigating Alzheimer’s and other forms of dementia. Whether you're just beginning this journey or deep in the caregiving role, this conversation is for you.

Brittany Metzig, Financial Planner with Bond&Devick, and Nicole Will, Founder of willGather, have a conversation about preparing for life’s uncertainties—without losing sight of what matters.From health and financial planning to emotional resilience and legacy building, we explore how thoughtful preparation can reduce stress, support loved ones, and help you live with confidence in an unpredictable world.

Brittany Metzig, Financial Advisor with Bond&Devick, and Nicole Will, Founder of willGather, talk about redefining what it means to grow older.From breaking stereotypes to finding purpose in retirement, they explore how joy can be built, reclaimed, and celebrated at every stage of life. Because aging isn’t a decline—it’s a deepening.

In this episode, Brittany and guest, Miranda Bryant, Certified Life Coach, dive into the personal and powerful transitions we face in life's second act. In this episode, explore how hormonal shifts can spark deeper questions about identity, purpose, and growth. But this isn’t just about menopause—it’s about learning to meet change with courage, clarity, and curiosity. Whether you're entering a new phase or supporting someone who is, this conversation offers insight, validation, and inspiration for moving forward on your terms.

In this episode, RJ and Brittany outline Bond&Devick’s client-focused, values-driven approach to financial planning. It begins by sharing the firm’s history and values, then shifts to understanding each client’s unique story, goals, and financial needs. They emphasize the importance of a personalized financial plan built around retirement, investments, taxes, and estate planning, with a strong commitment to sustainable and responsible investing. The process includes a structured timeline involving collaboration with advisor and wealth management teams, culminating in a tailored financial plan and its implementation. Clients can expect an ongoing, supportive relationship with clear next steps and a commitment to long-term financial well-being.

In this episode, RJ and Zack, Financial Advisors with Bond&Devick and Carole Isakson, Attorney with Barna Guzy &Steffen, LTD, explore the four key stages of business ownership—Establish, Survival, Growth, and Distribution—offering practical insights and expert advice for each phase. From choosing the right business structure and essential legal documents to navigating early challenges with the right advisors, we cover what it takes to build a strong foundation. Sharing real-world stories and diving into strategies for talent retention and document updates. Finally, we unpack the complexities of selling a business, whether to a third party, internally, or within the family, highlighting common pitfalls and smart succession planning tips.

Since 1982, our firm has guided families through thoughtful estate planning, helping clients protect their wealth and values across generations. In this episode, we explore real-life stories, highlighting the importance of planning for heirs with unique needs. We discuss strategies to safeguard assets from mismanagement, preserve government benefits, and instill financial responsibility through gifting and donor-advised funds. Our team facilitates family meetings to clarify roles, address sensitive end-of-life decisions, and ensure a smooth transition of wealth. Whether you're planning for your children or managing a sudden inheritance, we help tailor estate plans to reflect your goals and protect your legacy.

In this brief episode, RJ Devick and Brittany Metzig explore the strategies and advantages of making qualified charitable contributions through a donor-advised fund. Discover how this approach can maximize philanthropic impact while offering potential tax benefits. 

In this five minute episode of Bond&Devick's podcast, RJ Devick and Brittany Metzig share insights on helping clients navigate changes and updates throughout retirement. They cover key topics such as cash flow management, tax strategies, Medicare planning, asset flexibility, life transitions, and much more. 

 In this concise, 8-minute episode, RJ Devick and Brittany Metzig dive into the importance of tax planning as a cornerstone of a comprehensive financial strategy. Packed with actionable insights, they talk about effective strategies to optimize tax outcomes and enhance overall financial health. 

In this episode, RJ Devick, CEO and Partner with Bond&Devick is joined by Jenny Colich, an Estate Planning Attorney from Dorsey Whitney Law Firm. Together, they discuss the critical role estate planning plays in comprehensive financial planning strategies. Learn the what, why, and how of building essential estate plans, and understand how expert attorney partnerships help navigate even the most complex client needs. Whether you're new to estate planning or refining existing plans, this episode is packed with actionable insights for protecting your legacy. 

Bond&Devick's Brittany Metzig had the opportunity to talk with Brenna Galvin, Eldercare Attorney with Maser Law and Ann Hartlaub, Owner and Eldercare Specialist with Senior Care Authority. Together, they talked about the complexities of aging, each bringing their unique perspectives—financial, legal, and care-related. At Bond&Devick, we take a holistic approach, recognizing that aging and life transitions involves much more than just financial planning. By partnering with experts like Brenna and Ann, we ensure that our clients have access to a well-rounded support system that addresses not only their financial needs but also their legal and care-related concerns.

Bond&Devick’s CEO, RJ Devick, had the opportunity to sit down with clients Terry and Mary to learn about their experience of changing financial advisors in retirement. They shared how the process of establishing a new relationship with an advisor can be both challenging and rewarding, particularly later in life.However, when your values align, it makes for a smooth transition. 

Bond&Devick's Brittany Metzig and Kristine Bisanz had the opportunity to sit down with Let's Talk Women's Founder, Katie Severt.  Let's Talk Women is a movement dedicated to elevating healthcare for all women. The disparity in women's health is astonishing and unknown. "Let’s Talk Women believes in the transformative power of collaboration and the importance of elevating voices dedicated to advancing women’s health. Our mission is to spotlight pioneering work that addresses the women’s health equity challenge from every angle, including frontline care, research innovation, and funding. We achieve this through our quarterly panel series, educational events, and strategic partnerships with leading organizations and companies in the health sector. Our platform serves as a catalyst for awareness, connecting those at the forefront of health equity to foster understanding and drive meaningful change."

Description: Bond&Devick Wealth Partner's Financial Advisor, Brittany Metzig, sat down with her guest, Catherine Duncan, who is an Integrative Spiritual Consultant, Author, Holistic Healer, Inspirational Speaker, and Resilience Trainer who is committed to whole-person healing with a focus on emotional and spiritual health.  Her book, Everyday Awakening, launched in July 2023, and it is endorsed by Mel Robbins. The book contains 42 exercises to help individuals awaken into their heart and soul. Seven months after its initial publication date, the book has entered its second print run. She has worked extensively in the areas of chronic illness, life transitions, grief, loss and finding meaning and purpose. She has served as a chaplain and spiritual care provider with Fairview Home Care and Hospice, HCMC, and Good Samaritan.If you want more information about Catherine, her book, or her services, her website is www.learningtolive.org

In light of the ongoing threat of climate change, it is important to invest in companies that are working to combat the ongoing concerns. RJ Devick, Partner and Financial Advisor talked with Emily Lee, VP Business Development with IMPAX Asset Management to discuss shareholder advocacy in a company effort to combat these climate crises. IMPAX is an asset management firm that works to invest in companies with net-zero emission goals and engage with companies on how to shift towards more sustainable steps.

In this 30 minute podcast RJ Devick sits down with Bailey Johnson, Event and Marketing Manager at Impact Hub MSP. They talked about how to make a difference with everyday purchases as well as broader topics around sustainability. They also discussed Social Impact Week and the Gifts for Good virtual marketplace on Dec 9, 2022.

RJ Devick, CFP®, Bond&Devick Wealth Partner’s CEO and Financial Advisor, was asked to join Frank Samson, founder and CEO of Senior Care Authority® for their nationally renowned “Boomers Today” podcast!The Boomers Today podcast hand selects experts, in a variety of areas, that helps educate families about resources available to the aging boomer population. RJ was chosen among many to participate in this podcast’s topic.RJ and Frank talked about the importance of having a Certified Financial Planner who offers comprehensive financial planning and focuses on aging and family. Something Bond&Devick has focused on for more than 40 years.

RJ Devick was honored to talk with someone who has spent her career researching, writing, and teaching about women’s studies. Sara Evans is a retired professor from the University of Minnesota. She has a PhD in United States History from University of North Carolina, Chapel Hill. A M.A. in Political Science from Duke University. And a B.A in History from Duke University.Sara specializes in American women's history, gender analysis, family history, and social movements.

RJ Devick talks with licensed psychotherapist, John Bullough, about the challenges of mentally coping with the pandemic. It is an hour of understanding people's frame of mind 10 months into COVID-19 with advice on how to cope, including a 10-minute meditation exercise at the end. Here are the links to relaxation and meditation apps John references:https://www.headspace.com/

RJ sat down with Jana Kooren, Community Engagement Director, of the ACLU of MN.  The ACLU was founded 100 years ago and works in the courts, legislatures and communities to defend and preserve individual rights and liberties guaranteed in the US Constitution.  RJ and Teresa are supporters of the ACLU of MN as the group has been a leading advocate in the state to protect the rights of refugees and immigrants.

Bond&Devick Wealth Partner's Financial Advisor, Brittany Metzig, sat down with Allison DeWitt, Captain and Founder of M\Y Shoreline, an affordable Minnesota Health Insurance company. 

Kristine interviewed author and historian, Julie Jo Severson about the book she co-edited and co-curated with Christine Organ, “Here in the Middle”, a collection of stories from people who are part of the sandwich generation.

RJ Devick, Partner and Financial Advisor talks with Bond&Devick’s founder, Penny Bond. She talks about how and why she started in this business, when RJ joined and how many of the founding principles still play a role in the B&D culture today.

A conversation with Bond&Devick's Owner and Financial Advisor, RJ Devick and Kristine Bisanz, Partner and Communications Director. Talking about charitable giving, philanthropy and community involvement.

A conversation with Bond&Devick's Owner and Financial Advisor, RJ Devick and Kristine Bisanz, Partner and Client Care Director. Talking about the impact aging can have on your wealth, health and life and how Bond&Devick can assist in navigating these changes.

RJ Devick, Partner and Financial Advisor with Bond&Devick Wealth Partners and David Reiling, President and CEO of Sunrise Banks discuss the importance of Balancing Profit and Purpose. How these 2 like-minded, Certified BCorps companies based in Minneapolis-St. Paul are effecting positive change by using business as a force for good.

Bond&Devick Wealth Partner's Financial Advisor, Brittany Metzig and Kristine Bisanz, Partner and Communications Director talk about Bond&Devick's unique approach to financial planning by using a goals based methodology for helping their clients reach their dreams.

Brittany Metzig talked with Stuart Bear, elder law attorney with Chestnut Cambronne about the vulnerability of adults as their cognitive capacity diminishes. Stuart is a member of the Minnesota State Bar Association's Elder Law Section serving as past Chair of the Elder Law Governing Council. He is also a current member of The National Academy of Elder Law Attorneys, Inc. (NAELA). Stuart received his B.A. from the University of Minnesota, Phi Beta Kappa, and his J.D. from William Mitchell College of Law. He has also been designated a Minnesota Super Lawyer, as well as one of the Top 40 Estate Planning Lawyers in Minnesota, by Super Lawyers magazine. Stuart is a frequent speaker for attorneys, financial planners, and community organizations, including being a featured speaker on the prevention of the financial exploitation of seniors and selection of the proper fiduciary.

RJ Devick, CFP®, Bond&Devick Wealth Partner’s CEO and Financial Advisor, joined Teresa and Anne, two of our generational client families.Bond&Devick Wealth Partners started in 1982 and over the past 4+ decades we have had the privilege to work with many families across 3 or more generations.  In this podcast, RJ Devick sat down with Anne and Teresa as they shared their stories of their 2 families who we have worked with since 1990, but the story actually begins in 1982 at Minnesota State University - Mankato.