I've Been Meaning To Do That

For many high-net-worth retirees, Social Security can feel either uncertain or insignificant compared to other sources of wealth. But misunderstanding the rules or claiming benefits without a considered plan, can have costly consequences. In this episode of I’ve Been Meaning To Do That, host and Truist Wealth Head of Investment Management Oscarlyn Elder invites her colleague Tony Bryan in to talk about Social Security myths and strategies. Bryan is a wealth advisor with extensive knowledge of Social Security, and he shares tips and anecdotes about the effect decisions have on taxes, survivor benefits, and long-term retirement planning.Also in the discussion:• Why the belief that Social Security is “going bankrupt” often leads people to claim benefits too early• How Social Security fits into retirement planning for families with significant wealth• Situations in which divorced spouses or widows are eligible for benefits they might not expect• Topics to consider with your tax advisor related to strategies such as Roth conversionsIf you’d like to take notes on today’s episode, you can download this free template. Podcast worksheetHave a question for Oscarlyn or her guests? Email [email protected]

Dementia and Alzheimer’s disease are widely recognized as significant health risks of aging, but their potential effects on your wealth plan and family dynamics can be severe as well. In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder talks with Annalee Kruger, founder of Care Right Inc. and author of The Invisible Patient, for an important conversation about the risks of waiting until a crisis hits to make care plans, and the benefits of being proactive. Kruger’s experience caring for her own aging parents informs her practical guidance that can help lessen the risk of later regret about a loved one’s care.Also in the discussion:• The widespread misconceptions about the high cost of memory care• The necessary components of a dementia care plan• How to help your kids or caregivers now so they can better help you when you need them • How to make plans if you’re single, widowed, or divorcedIf you’d like to take notes on today’s episode, you can download this free template. Podcast worksheetHave a question for Oscarlyn or her guests? Email [email protected]

How can credit support your wealth plan? Credit can preserve investment positions, help you take advantage of market opportunities, or meet short-term liquidity needs without disrupting your long-term plan. In this episode of I’ve Been Meaning To Do That, Oscarlyn Elder and Elizabeth Greene explore the strategic uses of credit, and how consultations about credit with your advisory team can help support your overall goals.Also in the discussion:• Why having credit solutions in place before you need them can give you flexibility, speed, and negotiating power • The importance of customization, instead of a one-size-fits-all approach• How experts match careful cash flow and risk analysis alongside credit use • A team approach for collaboration among advisors, lenders, investment professionals, and estate plannersIf you’d like to take notes on today’s episode, you can download this free template. Podcast worksheetHave a question for Oscarlyn or her guests? Email [email protected]

Uncertainty is part of every investing year, and 2026 is no exception. Markets in the U.S. and around the world have been moving higher through questions about valuation, government policy, and the health of the global economy. As the current cycle enters what Keith Lerner calls the “seventh inning stretch,” investors are asking if the bull run still has room to play out.In this episode of I’ve Been Meaning To Do That, Oscarlyn Elder and Keith Lerner have a wide-ranging discussion about the forces that will shape the year ahead in the markets. With a focus on history, data, and fundamental portfolio principles, they share their thoughts about how to navigate risk and opportunity in 2026.Also in the discussion:• Why the U.S. economic expansion and market cycle may still have room to run• How investment opportunities may spread beyond the biggest tech stocks• How gold can help you weather a volatile stock market• Why “boring” fixed income can help stabilize your portfolio• What investors can do to manage risk without losing sight of long-term goals.You can download the 2026 Economic & Market Outlook: Seventh Inning Stretch, and also keep up with monthly Market Navigator reports at Truist.com/wealth/insights.Have a question for Oscarlyn or her guests? Email [email protected]

Family is at the heart of so many meaningful plans. At the close of 2025, I’ve Been Meaning To Do That host Oscarlyn Elder, the head of investment management at Truist Wealth, revisits moments with guests from recent episodes telling stories of the influence of family on their own plans and values. Entrepreneurs, advisors, and leaders in their fields have all taken inspiration from the people they love.Moments from the episode include:• Teaching independence to kids through everyday financial lessons• Communication and shared values in family businesses• Centering charitable giving on lessons from familyIf you’d like to take notes on today’s episode, you can download this free template. Podcast worksheetHave a question for Oscarlyn or her guests? Email [email protected]

Starting a company from scratch during the dot-com bust, building it into a global transportation management software leader, and selling it in a headline-making deal would be an endpoint for many entrepreneurs. For Monica Wooden, it was the start of a new chapter. In this conversation, Wooden shares stories with the podcast’s host and Truist Wealth Co-Chief Investment Officer Oscarlyn Elder about the early experiences that sparked her entrepreneurial drive, her “win-win-win” philosophy, the resilience it took to navigate setbacks in the past, and how she’s expressing her values through philanthropy in the present. Monica’s conversation is filled with lessons on individuality, preparation, perseverance, and purposeful giving. Also in the discussion:• The role of sports and Title IX in Monica’s youth• Navigating professional challenges during the dot-com bust• The evolution of the distinctive corporate culture at Monica’s company, MercuryGate International• How Monica developed her philanthropic priorities• Lessons and advice for fellow entrepreneursIf you’d like to take notes on today’s episode, you can download this free template. Podcast worksheetHave a question for Oscarlyn or her guests? Email [email protected]

Divorce is a major life transition that brings both emotional and financial complexity. For high-net-worth couples, the stakes can be especially high. On this episode of I’ve Been Meaning To Do That, host and Truist Wealth Co-Chief Investment Officer Oscarlyn Elder welcomes colleagues Jacqueline Parks and Jennifer McManus to explore the role that financial advisors can play in supporting clients as they navigate a divorce. From the importance of recognizing the risks of emotional decision-making to the unique issues that come with late-in-life divorces, they discuss why the early involvement of a trusted advisor can encourage good decisions during a difficult process.Also in the discussion:• The usefulness of prenuptial agreements• Issues in child rearing and college planning• The importance of proper insurance coverage• Ensuring fair valuation and division of assets• The complexities involved in business ownership If you’d like to take notes on today’s episode, you can download this free template. Podcast WorksheetHave a question for Oscarlyn or her guests? Email [email protected]

Cybersecurity crimes are as common as physical crimes today. And, unfortunately, wealthy individuals and their families are especially at risk. On this episode of I’ve Been Meaning To Do That, host and Truist Wealth Co-Chief Investment Officer Oscarlyn Elder welcomes Charlotte Edwards, the vice president of operations at Cyberwolf. They explore why wealthy individuals and business leaders are prime targets for cyber criminals, and what people can do to protect themselves. Edwards discusses how hackers and fraudsters think and operate, and what practical steps you can take to help protect yourself and the people around you.Also in the discussion:• Why your reputation, as well as your money, is under threat from hackers• How a specialized firm like Cyberwolf protects its clients• Why the family, friends, and employees around a wealthy person or company are also at risk• Misconceptions about cybersecurity that may make you vulnerable• The advantages of non-password-based verificationsIf you’d like to take notes on today’s episode, you can download this free template. Podcast WorksheetHave a question for Oscarlyn or her guests? Email [email protected]

Good leaders recognize opportunities for growth, even growth within themselves. Executive coaching can help deliver on such opportunities. This episode of the I’ve Been Meaning To Do That podcast from Truist Wealth explores the process of executive coaching and the impact it has on leaders and organizations. Host Oscarlyn Elder, co-chief investment officer at Truist Wealth, talks with Jenni Marsh and Amalia Jansel of the Truist Leadership Institute about what executive coaching is, and what it is not. They also discuss why executive coaching has applications for people at all levels of leadership, and why family business leaders are particularly good candidates for coaching. Also in the discussion:• The skills and qualities of a good executive coach• What a coach can bring to your career development• How coaching helps develop an organization’s future leadership • The difference between biases and beliefs, and how a coach helps you recognize both• Helpful resources for learning moreIf you’d like to take notes on this episode, you can download our Podcast Worksheet.Have a question for Oscarlyn or her guests? Email [email protected]

You want to enjoy your later years by spending time with friends and family, discovering new interests, and enjoying your surroundings. Thorough longevity planning now helps make all that possible. To help you get started, host and Truist Wealth Co-Chief Investment Officer Oscarlyn Elder welcomes colleagues Jacqueline Parks, regional director of advice and planning, and Tony Bryan, senior vice president and wealth strategist back to our podcast, I’ve Been Meaning To Do That. Together they outline the critical steps you need to follow to give your own longevity plan the best chance of success.They discuss:• The mistaken idea that Medicare will pay for long-term care• Directives, including financial and health care powers of attorney• Whether health savings accounts can help finance long-term care insurance• The role of the revocable trust• The importance of keeping paperwork up to dateIf you’d like to take notes on today’s episode, you can download a template to work with. Podcast WorksheetHave a question for Oscarlyn or her guests? Email [email protected]

Your loved ones want your later years to be healthy and comfortable, but they need you to tell them how they can best support you. That’s not necessarily an easy conversation to have, but you shouldn’t put it off.On this episode of the I’ve Been Meaning To Do That podcast from Truist Wealth, host and Co-Chief Investment Officer Oscarlyn Elder talks with Jacqueline Parks, Truist’s regional director of advice and planning, and Tony Bryan, senior vice president and wealth strategist, about how to get that important discussion started, and also make it effective for everyone.They discuss:• What makes longevity planning important, and for whom• Why delaying challenging conversations only makes them harder• Deciding on caregiving roles, and communicating them• The added burdens of dementia• Costs and challenges of “aging in place” at homeIf you’d like to take notes on today’s episode, you can download a template to work with. Podcast WorksheetHave a question for Oscarlyn or her guests? Email [email protected]

Parents want what’s best for their children, and they also want to support each child’s growth into a successful, independent adult. For families with significant wealth, those two goals might come into conflict if the desire and ability to provide leads to a sense of entitlement or dependency in the younger generation. In the latest edition of our podcast, I’ve Been Meaning To Do That, Truist Wealth Co-Chief Investment Officer and host Oscarlyn Elder welcomes Drew Egan, managing director of family education at the Truist Center for Family Legacy, to talk about strategies for instilling a sense of self-reliance and independence in children, teens and young adults. Both Oscarlyn and Drew are parents themselves, so they share their own experiences, and offer practical tips and tools to use in your own family. They discuss: Allowing for choice and agency by children The value of failure Setting boundaries, both for children and for parents Communicating the reasons we say “no”Recognizing when dependency is settling in Budgeting as a tool to promote independence This episode comes with two downloadable supplements: first, the budget spreadsheet that Drew and Oscarlyn discuss; and second, a template for taking notes on each episode. Super Budget SpreadsheetPodcast WorksheetHave a question for Oscarlyn or her guests? Email [email protected]

Big market swings can unnerve even the most seasoned investors. But that’s when the grounding that comes from an established investment philosophy is most valuable. In the latest episode of our podcast, I’ve Been Meaning To Do That, Truist Wealth Chief Market Strategist and Co-Chief Investment Officer Keith Lerner joins host and Co-Chief Investment Officer Oscarlyn Elder to discuss the investment philosophy that provides the foundation for the guidance Truist Wealth offers our clients. If you’ve ever wondered how you can keep your cool in even the most turbulent markets, this episode is for you. Listen in as Keith and Oscarlyn share how they and their team stay anchored, follow the evidence, and create portfolios with ideas that matter. They discuss: The three pillars of Truist’s philosophy: staying anchored, leading with evidence, and building portfolios with ideas that matter The “five p’s” that help Truist identify compelling investment options How emotional decision-making endangers investment success Understanding historical trends but knowing they don’t provide a guarantee Using evidence to form an actionable point of view What Keith has been meaning to do This episode comes with two downloadable PDF supplements: first, a one-pager on the Truist Wealth Investment Philosophy; and second, a template for taking notes on each episode. Investment Philosophy one-pagerPodcast WorksheetHave a question for Oscarlyn or her guests? Email [email protected]

You’ve worked a lifetime to build your savings and invest strategically. In your later years, you want Living into your 80s, 90s, or even to 100 can be a wish granted when we have the lifestyle and resources we hope to have. But financially, longevity takes deliberate care and planning to manage. In this episode of the I’ve Been Meaning to Do That podcast, host Oscarlyn Elder talks with Truist Wealth Managing Director of Brokerage Products Alex Null about longevity risk and your portfolio. They discussed potential strategies for an investor’s later years that can limit the range of negative outcomes in a wealth plan, and how structured products, and annuities may play a role for retirement income across even the longest lifespan. They discuss:• Why living longer means planning longer• Understanding your portfolio’s mix of assets over your whole lifetime of investing• When and how to start your longevity plan with your advisor• Facing market volatility in retirement• What are structured products, including structured notes and market-indexed certificates of deposit?• What are annuities?• What Alex has been meaning to doThe podcast team has created a template for taking notes on each episode.Podcast WorksheetHave a question for Oscarlyn or her guests? Email [email protected].

Empathy isn’t just about “being nice.” It’s about connecting with other people in a way that not only increases understanding but also demonstrates strength and improves outcomes. In this episode of the I’ve Been Meaning to Do That podcast, host Oscarlyn Elder talks with Stanford University Professor of Psychology Jamil Zaki about his research into the science of empathy, cynicism, and “hopeful skepticism,” and the role they play in our lives and relationships.They discuss:• The genesis of Zaki’s interest in empathy research• The differences between empathy, hope, and other commonly misunderstood terms• How to have more constructive conversations within families and family businesses• Cynicism as a “suit of armor”• The role of family culture in building connectionsTake the cynicism quiz referenced by Jamil Zaki in the podcastVisit the Stanford Social Neuroscience LaboratoryThe podcast team has created a template for taking notes on each episode.Podcast WorksheetCheck out a previous episode about pursuing effective philanthropyHave a question for Oscarlyn or her guests? Email [email protected].

Chief executives are often the agenda-setters for their company’s philanthropic efforts. They can learn a lot from each other about how to best pursue their goals. In Episode 26 of the I’ve Been Meaning To Do That podcast, host Oscarlyn Elder talks with Ed Satell, founder of The Satell Institute, and his leadership team about the model that CEO membership organization uses to promote effective philanthropy.They discuss:• Ed Satell’s lifetime of entrepreneurship • Reasons to support corporate social responsibility• The importance of CEO-level collaboration• Why long-term giving is critical• Future plans for the Satell InstituteThe podcast team has created a template for taking notes on each episode.Podcast WorksheetCheck out a previous episode about how purpose can drive your impactHave a question for Oscarlyn or her guests? Email [email protected].

Does your family have a mission statement? In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder talks to David Herritt, head of the Truist Wealth Center for Family Legacy about the importance of establishing shared values and beliefs to help build family culture. They discuss (time stamps are approximate):• Creating a family mission statement (02:53)• Passing the mission statement on to the next generation (5:01)• Importance of teaching financial literacy (8:12)• Ways to begin implementing family culture (11:18)• Understanding family conflict (13:43)• Resolving family conflict (15:01)• Closing thoughts from Oscarlyn (19:16)Learn more about how the Center for Family Legacy can help you sustain wealth for future generations.The podcast team has created a template for taking notes on each episode.Podcast WorksheetCheck out the previous episode in this series on generational wealth:Episode 24: Involving and preparing the next generation to continue family wealthHave a question for Oscarlyn or her guests? Email [email protected].

Take the lessons we learned in 2024 with you into 2025. In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder listens back to some of the guests she welcomed in 2024 for actionable advice for the year ahead. The discuss (time stamps are approximate): Market volatility (0:53) Habit formation (2:59) Procrastination/Revocable trusts (4:21) Expecting the unexpected/The Lee Co. (6:23) Closing thoughts from Oscarlyn (8:01) Listen to the full episodes featuring the guests gathered in this lessons learned special: The role of investments in your financial plan How to form good habits Sustaining wealth for future generations A personal story of unexpected success Have a question for Oscarlyn or her guests? Email [email protected].

Leave more than your legacy. In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder talks to Emily Hanselman of the Center for Family Legacy at Truist Wealth about how you can start involving and preparing the next generation to continue family wealth. They discuss (time stamps are approximate):• The framework to sustaining wealth (03:05)• Six core areas of wealth literacy (5:45)• Defining individual success for children (9:21)• Talking to your kids about investing and saving (12:03)• Embracing the power of failure (16:02)• Closing thoughts from Oscarlyn (18:47)Learn more about how the Center for Family Legacy can help you sustain wealth for future generations.The podcast team has created a template for taking notes on each episode.Podcast WorksheetCheck out the previous episode in this series on generational wealth.Have a question for Oscarlyn or her guests? Email [email protected].

Your estate plan needs to be as individual as you. In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder sits down with Trista Shigley, Fiduciary Division Director of Truist Trust and Estate Planning Group, to discuss how estate planning done right not only grants future generations with a legacy, but also reflects who your family is. They discuss (time stamps are approximate): Defining your values and your wealth transfer goals (02:21) Basic estate planning documents (6:18) Different parties involved in a trust (13:14) Tackling uncomfortable conversations (16:14) Estate tax exemption levels and sunsets (19:32) Types of irrevocable trusts (22:56) Understanding GST and SLAT for wealth transfer (25:18) Closing thoughts from Oscarlyn (29:51) The podcast team has created a template for taking notes on each episode. Podcast Worksheet Learn more about how the Business Transition Advisory Group can help support your family business, and stay tuned for the next episode in this series on running a family business, which will cover how to find the right roles for different family members. Have a question for Oscarlyn or her guests? Email [email protected]

Marietta Lee, CEO of The Lee Company, says if you looked at all the cousins and siblings in her generation of the family, she’d be the last person expected to join this precision hydraulics company, much less step into the top executive role. In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder talks to Lee about her unexpected path from broadcast journalism to engineering graduate school, the unwavering directives her father gave her, and the ways she’s preparing for the future with the next generation. It’s an intriguing conversation you won’t hear anywhere else.They discuss (time stamps are approximate):• Marietta’s first job at The Lee Company, and how it galvanized her determination to build a career in an entirely different field (02:52)• College, law school and going undercover with a purse cam and a disguise to catch government employees misbehaving in Houston (04:48)• No interview, big pay cut, constant scrutiny: Taking a leap of faith into the family business (7:24)• Marietta’s path to CEO (17:18)• Stories about past and future generations (21:11)• Finding time for strategic thinking (27:49)• Final thoughts from Oscarlyn (28:45)The podcast team has created a template for taking notes on each episode. You can find it at:[www.truist.com/resources/wealth/financial-planning/personal-story-unexpected-success]Have a question for Oscarlyn or her guests? Email [email protected].

Ready to keep your family business’s momentum going into the next generation? In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder talks to Jeremy Spidell of the Truist Leadership Institute about how you can help younger family members grow into confident leaders as part of your succession planning. They discuss (time stamps are approximate):• The difference between understanding and leading a business (04:06)• Building leadership capacity (07:30)• Cultivating self-awareness (10:39)• Why leaders need emotional intelligence (19:08)• Overcoming imposter syndrome (22:22)• The importance of purpose (28:39) • Jeremy’s commitment to update his will (31:25)• Final thoughts from Oscarlyn (33:23)Learn more about how the Truist Leadership Institute is empowering people to lead.The podcast team has created a template for taking notes on each episode. You can find it at:www.truist.com/resources/wealth/financial-planning/preparing-next-generation-leadershipListen to the previous episodes in this series on running a family business:• Define success for your family business• Develop the family enterpriseHave a question for Oscarlyn or her guests? Email [email protected].

The Center for Family Legacy’s David Herritt, who was previously on the podcast to talk about navigating business transitions, rejoins host Oscarlyn Elder to share tips on bringing your family members into the family business. In this second part of our series on running a family business, they discuss (time stamps are approximate):• Introducing young family members to the business (03:14)• Effective communication within families (07:17)• Why you need a family employment policy (11:27)• Defining the “business of family” (16:35)• Roles for family members outside of the business (20:58)• What David’s been meaning to do (26:17)• Closing thoughts from Oscarlyn (28:50)Learn more about how the Center for Family Legacy can help you sustain wealth for future generations.The podcast team has created a template for taking notes on each episode. You can find it at:www.truist.com/resources/wealth/financial-planning/developing-family-enterpriseCheck out the previous episode in this series on running a family business:• Define success for your family businessAnd stay tuned for the conclusion next month on empowering the next generation of leaders.Have a question for Oscarlyn or her guests? Email [email protected].

What does a successful family business look like? In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder talks to Russell Sanders of the Business Transition Advisory Group at Truist Wealth about how a family business can achieve goals that may benefit the family financially and personally. They discuss (time stamps are approximate):• What the Business Transition Advisory Group does (1:49)• The characteristics of a family business (4:13)• How to bring your family’s values to your business (9:13)• Setting goals for your family (11:36)• Establishing a decision-making process (18:47)• How to define success (21:47) • Why Russ needs to plan a family vacation (26:05)• Final thoughts from Oscarlyn (27:46)Learn more about how the Business Transition Advisory Group can help support your family business, and stay tuned for the next episode in this series on running a family business, which will cover how to find the right roles for different family members.The podcast team has created a template for taking notes on each episode. You can find it at:http://truist.com/resources/wealth/financial-planning/define-success-family-businessHave a question for Oscarlyn or her guests? Email [email protected].

In this episode of I’ve Been Meaning To Do That, hear insights on how you can care for yourself and your loved ones as you age. Host Oscarlyn Elder talks to Adam Felts, a researcher at the MIT AgeLab, about ways to deal with the financial and emotional challenges of caregiving.

As your teens make the transition to the adult world, give them a sound foundation of financial literacy. In this episode of “I’ve Been Meaning To Do That,” Truist Wealth’s Emily Haenselman and Karen Kahn chat with Oscarlyn Elder about how to talk to your teens regarding spending, saving, and making a college choice—and legal steps you should take as they reach 18.

Revitalize your New Year’s resolutions with renewed focus. In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder talks to Dr. Wendy Wood about the science of habits. The author of “Good Habits, Bad Habits: The Science of Making Positive Changes That Stick” shares how habits form, why bad ones are so hard to break, and tips on developing good financial behaviors. They discuss (time stamps are approximate): • Why habits are important (1:58)• The difference between resolutions and individual decisions (4:17)• How habits form (7:21)• Reframing to establish good financial behaviors (14:05)• How long it takes to form and break habits (19:43)• The importance of adding friction (24:33) • Myths about habits (31:45)• What Wendy has been meaning to do (37:27))• Final thoughts from Oscarlyn (39:12)To learn more about habits, read Wendy’s book:Good Habits, Bad Habits: The Science of Making Positive Changes That Stick The podcast team has created a template for taking notes on each episode. You can find it at:http://truist.com/resources/wealth/financial-planning/how-to-form-good-habitsHave a question for Oscarlyn or her guests? Email [email protected].

Living your purpose can take many routes. In this episode of I’ve Been Meaning To Do That, host Oscarlyn Elder talks to Truist Wealth’s Colleen Silver and Bill Lyons about how people are making a difference through their investment choices, charitable activities, and businesses. They discuss (time stamps are approximate): • Introducing Colleen and Bill (1:50)• How to explore your values (3:50)• Techniques for sustainable investing (7:10)• Connecting purpose to philanthropy (12:40)• Families and community impact (15:30)• Engaging younger generations (21:50)• Starting the conversation about sustainable investing (23:30)• The four elements of effective impact (28:00)• Trends in sustainable investing (31:50)• How families are making an impact in their communities (36:30)• Action steps for expressing your purpose (39:20)• What Colleen and Bill have been meaning to do (42:10)• Final thoughts from Oscarlyn (43:30)Want to dig deeper on how to make an impact? These documents can help:• A glossary of terms about sustainable investing and community impact• Our four-step process for making and sustaining an impact on your community• A template for taking notes You can find all these documents at:Truist.com/resources/wealth/financial-planning/how-purpose-can-drive-your-impactHave a question for Oscarlyn or her guests? Email [email protected].

If you want to learn more about how stocks, bonds, and other investments work together to help you achieve your long-term financial goals, listen to this episode of I’ve Been Meaning To Do That. Host Oscarlyn Elder talks to Truist Wealth’s Trey Smith and Niles Greene about the basics of building a portfolio. They discuss (time stamps are approximate): • Introducing Trey and Niles (1:20)• Saving vs. investing (3:10)• Volatility and the long-term trend of stock prices (6:50)• How to assess and manage investment risks (13:20)• Striking a balance between risk and reward (18:55)• Why investment liquidity matters (23:50)• Risks with bonds (25:40)• Managing risk with dollar-cost averaging and diversification (28:50)• Adding alternative investments to a portfolio (33:00)• What Niles and Trey have been meaning to do (39:00)• Final thoughts from Oscarlyn (41:40)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/the-role-of-investments-in-your-financial-planHave a question for Oscarlyn or her guests? Email [email protected].

Take action on what you’ve been meaning to do with the help of this Truist Wealth podcast. In this Best of 2023 episode, host Oscarlyn Elder talks to thought leaders at Truist and elsewhere about the journey of exploring your purpose, living out your values and aspirations in your financial plan and wealth objectives, and planning for unexpected events. They discuss (time stamps are approximate): • Actions you can take to understand your purpose (1:40)• How to keep it simple when exploring your purpose (5:00)• Why it’s important to prioritize wealth objectives (6:35)• The impact of regret avoidance and status quo bias (9:20)• Preparing for the first days of retirement (13:20)• When to revisit your financial plan (15:50)• Talking to your teens about paying for college (19:40)• When “life happens,” why you should trust an advisor (24:50)• A common problem of business owners in preparing for unexpected events (26:30)• The benefits of a donor-advised fund (31:30)• Reviewing insurance coverage when home prices rise (33:50)• Solving the “middle problem” of our financial goals (36:30)• Final thoughts from Oscarlyn (38:20)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/best-of-2023Have a question for Oscarlyn or her guests? Email [email protected].

If you’ve had trouble staying within your budget—or even developing one—this episode of I’ve Been Meaning To Do That can help. Host Oscarlyn Elder talks to Perry Wright of Duke University’s Center for Advanced Hindsight about creating budgets that are more effective, tips for staying on track with your spending, and how budgets can reflect your values. They discuss (time stamps are approximate): • Introducing Perry Wright (0:50)• The role of budgets (6:30)• Budgets provide visibility to spending (9:25)• How budgets are often too optimistic (18:15)• Create buckets for spending—but not too many (25:30)• How budgets can reflect our values (28:15)• Tips for taking action on budgets (32:30)• Summing up the big lessons (43:30)• What Perry has been meaning to do (48:40)• Final thoughts from Oscarlyn (50:00)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/budgets-are-for-everyoneHave a question for Oscarlyn or her guests? Email [email protected].

Dr. Ayelet Fishbach has the practice of setting and achieving goals down to a science. In this episode of “I’ve Been Meaning To Do That,” host Oscarlyn Elder and Ayelet, a professor of behavioral science and marketing at the University of Chicago’s Booth School of Business, talk about how to develop, prioritize, and stay on track with your goals. They discuss (time stamps are approximate): • Introduction of Ayelet Fishbach (0:40)• Developing meaningful goals (3:20)• Intrinsic motivation and targets for goals (6:20)• Keep the middles short (12:30)• Organizing and aligning goals (17:50)• The need to pursue multiple goals at one time (26:40)• Tactics for battling temptations (28:40)• Connect to your future self (37:20)• Tips for developing patience (38:10)• The role of social support in motivation (41:10)• Change the environment, not yourself (51:40)• What Ayelet has been meaning to do (54:10)• Final thoughts from Oscarlyn (58:20)To learn more, read Ayelet’s book:Get It Done: Surprising Lessons from the Science of MotivationThe podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/setting-goals-what-are-you-still-meaning-to-doHave a question for Oscarlyn or her guests? Email [email protected].

Every financial plan has risks. Some are easy to spot, while others—such as mistitled assets—take more work to uncover. But it’s important to identify all your plan’s risks because they’re all related: A risk in your estate plan, for example, might affect your investments. In this episode of our podcast “I’ve Been Meaning To Do That,” the latest in our “Life Happens” series, host Oscarlyn Elder talks to Truist Wealth’s Christin Kennedy and Bart Pyle about how to identify and manage the risks in your financial plan. They discuss (time stamps are approximate): • Introduction of Christin and Bart (1:31)• Defining risk (3:10)• Risk as a five-point star (6:38)• Will-based vs. trust-based plans (11:49)• Advanced wealth-planning tools (15:42)• Asset protection basics (23:25)• Legal protections for property (27:50)• What Christin and Bart have been meaning to do (33:35)• Final thoughts from Oscarlyn (35:28)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/life-happens-make-sure-you-are-protected.Have a question for Oscarlyn or her guests? Email [email protected].

Get the most out of your assets with the help of thoughtful year-end planning. Host Oscarlyn Elder talks to Mike Frost, an advice and planning strategist for Truist Wealth, about common year-end decisions for charitable giving, investment planning, and wealth transfer. Tim Houlihan, Truist’s chief behavioral scientist, also joins Oscarlyn to discuss how to get going and follow through on year-end financial planning. They discuss (time stamps are approximate): • Introduction of Mike Frost (1:54)• Year-end planning considerations for charitable giving (4:45)• Benefits of donor-advised funds (8:11)• Tax-loss harvesting: how it helps, what to watch out for (10:12)• Planning of annual exclusion gifts (12:50)• Preparing for the estate tax law sunset at the end of 2025 (16:26)• Introduction of Tim Houlihan (24:49)• Why time blocking on your calendar works (26:35)• Developing tiny habits (32:12)• Take advantage of the snowball effect (37:40)• Why you should make decisions in a “cool state” (39:17)• What Tim and Mike have been meaning to do (44:28)• Final thoughts from Oscarlyn (46:29)Also mentioned in this episode:Tiny Habits: The Small Changes That Change Everything, B.J. FoggThe podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/start-your-year-end-planning.Have a question for Oscarlyn or her guests? Email [email protected].

In this episode of the podcast’s “Life happens” series, host Oscarlyn Elder talks to Truist Wealth’s Lee McCrary (Strategic Client Group) and David Herritt (Center for Family Legacy) about why it’s important for business owners to prepare themselves and their family for a transition. They discuss (time stamps are approximate): • Introducing Lee and David (1:44)• Defining pivotal moments (3:23)• The personal aspects of a major event (5:35)• The framework for a transition (9:52)• Preparing your family’s human capital (14:28)• First steps for business owners (28:03)• Understanding your values before the transition (34:14)• What Lee and David have been meaning to do (37:43)• Closing thoughts from Oscarlyn (40:27)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/life-happens-navigate-pivotal-moments-for-your-business-and-family.Have a question for Oscarlyn or her guests? Email [email protected].

Life is full of surprises. Are you and your financial plan ready for them? In this first episode of the podcast’s “Life Happens” series, Truist Wealth’s Robin Thomas and Jacqueline Parks join host Oscarlyn Elder for an overview of common out-of-the-blue situations and some first steps you can take to prepare for them. They discuss (time stamps are approximate): • Introducing Robin and Jacqueline (1:31)• The most common unexpected events (3:10)• Your biggest priorities for planning (7:44)• How to uncover your main risks (12:02)• Common protections against the unexpected (17:59)• Why some people are reluctant to plan for life events (21:51)• The dangers of tunnel vision (27:32)• First to-dos for planning for life’s surprises (33:25)• What Robin and Jacqueline have been meaning to do (38:38)• Closing thoughts from Oscarlyn (40:49)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/hidden-biases-and-what-you-can-do-about-them.Have a question for Oscarlyn or her guests? Email [email protected].

Help your high schoolers develop the financial skills they’ll need as adults. This episode of “I’ve Been Meaning To Do That” provides tips on how to discuss spending, saving, and making a college decision with your teens. Host Oscarlyn Elder and Truist Wealth’s Emily Haenselman and Karen Kahn also talk about important actions to take before dropping off your kids on campus. They discuss (time stamps are approximate): • Introducing Emily and Karen (1:25)• Key financial concepts for high schoolers (4:24)• The power of saving (5:55)• A spending plan for your teen (7:52)• Tie spending lessons to driving, other milestones (9:35)• Use credit wisely (12:02)• How and when to have financial talks (16:50)• Connect values to priorities (20:17)• Talk to teens about paying for college (23:48)• Give your children ownership of their education (31:31)• Tips on 529 plans (35:43)• Powers of attorney when your children turn 18 (40:35)• Young adults and health care decisions (45:44)• What Karen and Emily have been meaning to do (48:03)• Closing thoughts from Oscarlyn (51:51)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/hidden-biases-and-what-you-can-do-about-them.Have a question for Oscarlyn or her guests? Email [email protected].

Create your financial plan, then keep the conversation going: That’s the message of this episode of “I’ve Been Meaning To Do That.” You might know your purpose and what you want to do with your wealth, but you need a plan—a how-to guide—to accomplish your wealth objectives. And that’s just the start. Ongoing discussions with your advisor can keep your financial plan thriving. Truist Wealth’s Kristin Beard and Craig Cascio and host Oscarlyn Elder discuss a step-by-step process for building a road map to your future. They discuss (time stamps are approximate):• Introducing Kristin and Craig (0:57)• Financial plans are like road maps (3:43)• Know the numbers behind your aspirations (6:37)• How a plan empowers you (08:50)• Financial plans and the freedom to choose (15:23)• Components of a financial plan (19:21)• Assumptions and estimates in your plan (22:11)• Checking in on your progress (30:15)• What Craig and Kristin have been meaning to do (35:45)• Closing thoughts from Oscarlyn (39:38)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/hidden-biases-and-what-you-can-do-about-them.Have a question for Oscarlyn or her guests? Email [email protected].

Get ready to make the move to retirement in this episode of “I’ve Been Meaning To Do That.” Building the investment portfolio necessary to support retirement is just one step—you also need a plan for how you want to live your purpose in this exciting new stage of your life. Truist Wealth co-Chief Investment Officer Oscarlyn Elder talks to Paul Shorter and Tony Bryan from Truist Wealth about how clients can make the transition to a successful, purposeful retirement. They discuss (time stamps are approximate): Introducing Paul and Tony (1:53)Preparing for the day-to-day life of retirement (3:52)Coping with the emotional response to retirement (5:26)Actions to take that help with the transition (11:30)Adding structure to daily life in retirement (16:16)Prioritizing what matters most (19:16)Making sure you’re financially prepared (23:12)Typical wealth objectives (26:02)Managing a portfolio in retirement (32:33)Common costs that people underestimate (35:39)Key decisions about retirement accounts (41:31)What Paul and Tony have been meaning to do (43:45)Closing thoughts from Oscarlyn (47:05)The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/hidden-biases-and-what-you-can-do-about-them.Have a question for Oscarlyn or her guests? Email [email protected].

On Episode 4 of “I’ve Been Meaning To Do That,” Oscarlyn talks to Tim Houlihan, enterprise director of behavioral science at Truist, and Daniel Crosby, chief behavioral officer at Orion Advisor Solutions. They discuss (time stamps are approximate): Introducing Tim and Daniel (2:18) What is status quo bias? (8:53) Regret avoidance: the decisions that will affect how we’ll feel in the future (13:40) Streamlining a complex world with availability bias (20:55) Demographic trends and overconfidence (23:45) What’s the most common of these biases? (26:25) How to recognize overconfidence in your actions (28:52) Recognizing other biases (32:20) How to overcome common biases (34:25) Tying together Episodes 2, 3, and 4: Hold the mirror up to yourself (42:20) What Tim and Daniel have been meaning to do (44:06) Ending notes from Oscarlyn (49:10) The podcast team has created a template for taking notes on each episode. You can find it at Truist.com/resources/wealth/financial-planning/hidden-biases-and-what-you-can-do-about-them. Have a question for Oscarlyn or her guests? Email [email protected]. ------ About “I’ve Been Meaning To Do That”More and more, we’re thinking about shaping our personal—and financial—lives around our purpose and focusing on the contributions we want to make. If you want to turn those thoughts into action and start living intentionally day by day, “I’ve Been Meaning to Do That” is here to help. In each episode, Truist Wealth Co-Chief Investment Officer Oscarlyn Elder will talk to fellow thought leaders about the intersection of your aspiration and smart financial planning, along with steps you can take to focus on what matters most to you.

About “I’ve Been Meaning To Do That”: More and more, we’re thinking about shaping our personal—and financial—lives around our purpose and focusing on the contributions we want to make. If you want to turn those thoughts into action and start living intentionally day by day, this podcast is here to help. In each episode, Truist Wealth Co-Chief Investment Officer Oscarlyn Elder will talk to fellow thought leaders about the intersection of your aspirations and smart financial planning, along with steps you can take to focus on what matters most to you. On Episode 3 of “I’ve Been Meaning To Do That,” Oscarlyn talks to Bill Lyons and Kristin Beard, who work with clients on living their purpose through their wealth objectives and financial plan. They cover (time stamps are approximate): What wealth objectives are (2:33)Examples of wealth objectives (3:38)Kristin and Bill talk about their wealth objectives (7:35)Why tying a wealth objective to purpose is important (10:48)With whom to discuss wealth objectives and purpose (15:00)Sharing wealth objectives with a partner or spouse (19:41)How to establish priorities among your wealth objectives (22:58)How life events can affect wealth objectives (26:28)Description of exercise designed for this episode (29:30)What Kristin and Bill have been meaning to do (33:06)Ending notes from Oscarlyn (37:01)To help you develop an action plan for tackling your wealth objectives, the podcast team has created a worksheet you can download. In it, you’ll read about wealth objectives and how to organize them by priority. Then you’ll write down some of your objectives and how you’ll get started on them. You can find it at Truist.com/DoThat.Have a question for Oscarlyn or her guests? Email [email protected].

About “I’ve Been Meaning To Do That”: More and more, we’re thinking about shaping our personal—and financial—lives around our purpose and focusing on the contributions we want to make. If you want to turn those thoughts into action and start living intentionally day by day, this podcast is here to help. In each episode, Truist Wealth Co-Chief Investment Officer Oscarlyn Elder will talk to fellow thought leaders about the intersection of your aspirations and smart financial planning, along with steps you can take to focus on what matters most to you. In this episode, Alex Wagner and Erica Shalhoup, thought leaders on purpose at Truist, return to the podcast to discuss: The importance of reflecting on what drives youHow values connect to your purposeThe benefits of sharing your purpose with friends, family, and othersTo help you take the first steps in understanding your purpose, the podcast team has created an exercise you can download. In it, you’ll reflect on important moments in your life and your values. You can find it at Truist.com/perspectives.Have a question for Oscarlyn or her guests? Write to [email protected].

About “I’ve Been Meaning To Do That”: More and more, we’re thinking about shaping our personal—and financial—lives around our purpose and focusing on the contributions we want to make. If you want to turn those thoughts into action and start living intentionally day by day, this podcast is here to help. In each episode, Truist Wealth co-Chief Investment Officer Oscarlyn Elder will talk to fellow thought leaders about the intersection of your aspirations and smart financial planning, along with steps you can take to focus on what matters most to you. In this episode, Oscarlyn talks to Alex Wagner and Erica Shalhoup, two champions of purpose within Truist, about: What purpose meansThe benefits of understanding your purposeWhy you should tie your purpose to your financial planHave a question for Oscarlyn or her guests? Write to [email protected].