If you are interested in being on the "Only Fee-Only" podcast at some point like or comment on this tweet so I can write your name down. We are pumped to hear about all of your different practices and niches!

I have people ask me if everyone needs disability income insurance. The answer is no. However, people who rely on their ability to go to work and are in a building stage of their career should definitely have it.

Every team has special people who make everything run smoother. For us, Carmen is a huge part of that. Peter and I are incredibly grateful for the entire BC Brokerage team. Carmen has been with us for almost two years, and we often refer to her as the glue that keeps everything

#146 - How A CFP And A CPA Team Up To Protect Wealth Imagine walking into tax season already knowing the number. That’s what happens when a fee-only planner and a proactive CPA plan the year together—before December 31. In this episode of the Only Fee-Only Podcast, we’re joined

If someone needs to make retirement sound terrifying to sell you a solution, they’re not protecting your money...... They’re protecting their commission. Where is this tactic most common? Permanent life insurance sales. Permanent life insurance can have a place in a good

The most overlooked cost in insurance isn’t what most people think. It’s time. With life, disability, and long-term care insurance, timing quietly affects everything. A new prescription. Lab results that come back differently. A health change that feels minor at the time.

You can make a risk management plan as complex as you want 🤯 You can stack riders, engineer edge cases, and design something that looks perfect on paper 📄 But a simple plan that actually gets done will always beat a perfect plan that never does ✅ Complexity doesn’t

Stay-at-home spouses provide enormous value!!! Life insurance is often discussed as a simple multiple of income. While that rule of thumb can be a helpful starting point, it often falls short of capturing how a household actually functions—especially when one spouse stays home.

#145 - The Engineer’s Path to Fee-Only Planning with Andy Cole, PE A simple spreadsheet for his dad sparked a complete career pivot. In this episode of the Only Fee-Only Podcast, Andy Cole breaks down his move from civil engineering to fee-only financial planning—and how he

This is absolutely pathetic. I just watched a “sales professional” pitch a permanent policy and then tell the consumer to “go f— yourself” when they didn’t buy it. This is exactly what’s wrong with the sales-bro culture on TikTok and Reels. It doesn’t matter whether it’s whole

People often assume that adding more insurance automatically means they’re safer. 🔐 But that’s not how this works. Every policy has limits. Every policy has exclusions. Every policy solves a specific problem. ⚙️ If you stack a bunch of random policies without understanding

Turns out my Spotify listening age is 61. I guess cranking up Van Halen and Ozzy will do that to you. My dad got me into classic rock growing up, and it’s basically been the soundtrack of my life ever since. I’m in the top 1% of Van Halen fans, which honestly doesn’t surprise

#144 - Roadie. Atlantic Crossing. RIA Founder: The Shane Mason Story Want a founder story that includes spreadsheets, a stint as a roadie, an Atlantic crossing, and a will-signing party that packed the room? Meet Shane Mason, CPA, CFP of Brooklyn Fi — a CPA/CFP who went from Big

“Do I Really Need This Insurance?” Here’s the Truth. It depends. We all love quick answers: “Buy this policy,” “Skip that one,” “Here’s the magic formula you need.” In reality, when it comes to insurance, that kind of advice just doesn’t cut it. Whether it’s long-term care,

Most people think insurance decisions are about products. They’re not. They’re about protecting the life you’ve already built. When I talk with advisors and clients, the conversation always starts with the same question: “What problem are we actually trying to solve?”

Why is term insurance sufficient for most people? I got this question from an individual this morning, so I thought I would address it in a post for those who are wondering.

#143 - Building A Virtual Firm While Raising Four Kids On The Road - Hamilton Brandenburg How do you go from knocking on doors in the snow to running a referral-driven, tax-focused retirement firm? On this episode of the Only Fee-Only Podcast, Hamilton Brandenburg shares his

I just got asked "how do you talk to people about this stuff all day?" That's a good question. I suppose you can get use to anything if you do it long enough. I also know the impact it can make.

Permanent life insurance is the most overhyped product in the insurance industry. It’s pushed on people who don’t need it, can’t afford it, and don’t understand it. Every time I bring it up, someone gets defensive. That doesn’t change the facts. Too many agents sell expensive,

How Old Is Too Old for Term Life Insurance? Check out the video for the full breakdown! We’ve spaced it out so it’s easy to follow: •30-year term policies: Generally available up to about age 55. •20-year term policies: Usually an option until around age 65. •10-year term

Sometimes you just have to do a reverse Titanic pose on the Na Pali Coast! 🌊 I got my wife to join me in this goofy photo. She is always a good sport and I love that about her. We all know work can be stressful, and there’s always a lot going on in life. Moments like this are