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Your Financial Advisor Could Be Quietly Sabotaging Your Retirement

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Your Financial Advisor Could Be Quietly Sabotaging Your Retirement



✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment
*Free Planning Software * https://foundryfinancial.typeform.com/rightcapital
*Boldin Affiliate Link: https://go.boldin.com/foundryfinancial

Kevin explains why some financial advisors may not tell the full story and shares five signals it may be time to leave: (1) they lead with selling products instead of building a comprehensive plan, (2) they aren’t a fiduciary and their compensation is unclear or commission-based, (3) they avoid tax planning or constantly defer to a CPA on key strategy questions, (4) meetings leave you more confused due to jargon and unnecessary complexity, and (5) they never challenge your assumptions or deliver uncomfortable truths. He gives industry background on how advisor compensation evolved from transaction commissions to product sales to fee-based models, and provides practical steps for switching advisors—transferring accounts in kind without tax consequences, optionally keeping the same custodian, and sending a short, respectful email. He also recommends tools to understand your own numbers, including a 90-day RightCapital trial and Boldin for DIY planning, plus a playlist on preparing to retire.

00:00 INTRO
01:56 How We Got Here: 3 Phases of the Financial Advice Industry
02:26 Phase 1
03:26 Phase 2
04:38 Phase 3
05:05 Red Flag #1
07:08 Red Flag #2
10:05 Red Flag #3
13:03 Red Flag #4
16:00 Red Flag #5
18:56 What To Do Next: Ask Harder Questions + Find the Right Fit
19:52 How to Fire Your Advisor (Without the Awkwardness)
21:50 Tools to Run Your Own Plan

*Private Facebook Group* // http://facebook.com/groups/retirementforum
——————————————————————————————————————————–
*ABOUT ME*

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I’ve always been passionate about personal finance, investing, real estate, and helping people find the freedom to live their life with purpose. But when my dad died in 2015, I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand, I found an industry of financial advisors dominated by glorified salespeople working on commission — pushing products that were not in my mother’s best interest. Or advisors with minimums that shut-out all but the ultra wealthy. Disappointed with the options, I took matters into my own hands and launched Foundry Financial, a wealth management firm with transparent pricing that specializes in helping provide clarity around money — so you have the confidence to make smart decisions.My goal is to help a million people retire without worry!

📅 *THE BASICS OF RETIREMENT PLANNING*

Retirement planning has several steps, with the end goal of having enough money to quit working and do whatever you want. Our goal is to help people master retirement and retire without worry.

Step 1: Know when to start retirement planning. When should you start retirement planning? The earlier you start planning, the more time your money has to grow. That said, it’s never too late to start retirement planning. Even if you haven’t so much as considered retirement, don’t feel like your ship has sailed. Every dollar you can save now will be much appreciated later. Strategically investing could mean you won’t be playing catch-up for long.

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Step 2: Figure out how much money you need to retire, The amount of money you need to retire is a function of your current income and expenses, and how you think those expenses will change in retirement.

Step 3: Prioritize your financial goals. Retirement is probably not your only savings goal. Lots of people have financial goals they feel are more pressing, such as paying down credit card or student loan debt or building up an emergency fund.Generally, you should aim to save for retirement at the same time you’re building your emergency fund — especially if you have an employer retirement plan that matches any portion of your contributions.

Step 4: Choose the best retirement plan for youA cornerstone of retirement planning is determining not only how much to save, but also asset allocation. It can make a massive difference in your retirement plan.

Step 5: Select your retirement investments. Retirement accounts provide access to a range of investments, including stocks, bonds and mutual funds. Determining the right mix of investments depends on how long you have until you need the money and how comfortable you are with risk. It’s often helpful to talk with an adviser to discover the right mix of stocks and bonds.

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❣ *SPONSORED* To the extent a viewer purchases the third-party software through Kevin Lum’s referral link, he and/or Foundry Financial LLC may receive compensation as a result.

⚠️ “DISCLAIMER:⚠️This is not financial or investment advice. This Channel is meant for EDUCATIONAL AND ENTERTAINMENT PURPOSE only. None of this is meant to be construed as investment advice, it’s for entertainment purposes only. #retirementplanning #retirement #passiveincome

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Is She Right About What’s Happening Right Now And Crypto’s Future….. *MUST WATCH*

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Is She Right About What's Happening Right Now And Crypto's Future..... *MUST WATCH*



Welcome back ladies and gentlemen for another epic video! Today we are going to be looking at a take from cathrine austin fitts on whats happening right now in the world and why…

Full interview: https://youtu.be/BvLz1bI2sXU?si=8v5kyy6dieIiUFfG

Cathrine’s X account: https://x.com/solari_the

Become A Patreon and Community Member: https://www.patreon.com/AllinCrypto

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DISCLAIMER: I am not a financial adviser and this video is not financial advise this video is here for entertainment and educational use only

#cbdc #crypto #stablecoins #rwa #finance #technology #ai #digitalassets

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MASSIVE Bitcoin Buying Opportunity RIGHT NOW! Bitcoin RALLYING As Stocks CRASH!

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MASSIVE Bitcoin Buying Opportunity RIGHT NOW! Bitcoin RALLYING As Stocks CRASH!



Are you ready?

Sign up for iTrustCapital, and get a $100 funding bonus after you fund your account!!: https://www.itrustcapital.com/go/crypto-jebb

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Join the trading competition and the chance to win up to $3,500,000 and a PORSCHE!
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I am not a financial adviser; this is not financial advice. I strongly encourage all to do their own research before doing anything with their money. All investments/trades/buys/sells etc. should be made at your own risk with your own capital.

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Emas vs RDPU – Mana lebih bagus? #tipskeuangan #finance #shorts

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Emas vs RDPU - Mana lebih bagus? #tipskeuangan #finance #shorts



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BITCOIN: Forgotten Line From 2019 Reveals The TRAP!

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BITCOIN: Forgotten Line From 2019 Reveals The TRAP!



Introduction & Important Context 0:00-1:40
Bitunix Exchange 1:40-2:11
Analysis 2:11-9:40
Bitunix Exchange 9:40-10:10

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• 15% lifetime fee discount
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🐺 FREE Telegram Community Group Chat
👉 Join here: https://t.me/+TD-btyDvq0xjOWU1

🎓 The Crypto Academy TA Education
👉 Learn more: https://www.thecryptoacademy.courses/

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Business Inquiries Contact: wolvesofcryptocontact@gmail.com

LEGAL DISCLAIMER:
It is worth noting that this video, as with all Wolves Of Crypto content, is a representation of my personal opinions on the market and should in no way be considered financial advice in any form, as I am not a qualified financial advisor. I am not responsible for your investment decisions or outcomes, analyze the charts for yourself before proceeding with a trade. This applies to every investment decision in cryptocurrency, stock market and any financial market – including investment decisions directly related to Bitcoin BTC, Ethereum ETH & any other altcoin. This also applies regardless of the wording that I use in my content such as phrases like “you should do x” and “I suggest you do y”. Additionally, viewers are responsible for anything that happens on cryptocurrency exchanges promoted on this channel.

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The 6:23 AM Freeze: How Canada Shocked America’s Financial System

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The 6:23 AM Freeze: How Canada Shocked America’s Financial System



MR FINANCE — POWER DOESN’T ALWAYS MAKE NOISE

At 6:23 in the morning, before Wall Street opened, something extraordinary happened.

A directive issued under Canada’s financial regulatory authority suddenly froze hundreds of billions of dollars connected to American financial interests operating inside Canada. Not through sanctions. Not through a trade war announcement. Through a legal directive executed quietly before markets could react.

Within hours, the implications began rippling through global markets.

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Major U.S. banks with cross-border operations faced immediate uncertainty about liquidity tied to their Canadian branches. Corporations with subsidiaries operating in both countries suddenly found billions locked in place. Investors watched markets react to a crisis that had arrived before most traders had even logged into their terminals.

This video breaks down:
• How cross-border financial exposure between the United States and Canada actually works
• Why freezing assets can create massive systemic pressure on global banks
• How markets react when liquidity suddenly disappears
• And the three possible outcomes that could reshape the North American financial relationship

For decades, the United States and Canada have shared the largest bilateral trade relationship in the world. Their economies are deeply intertwined — energy, finance, manufacturing, and technology all cross the border every day.

But when financial leverage is used strategically, even the closest allies can suddenly become economic pressure points.

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This is not just a story about two countries.

It is a story about how modern financial power works.

Because in the modern world, the most powerful weapons are not always military.

Sometimes they are legal directives, regulatory systems, and control over capital flows.

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Subscribe to MR FINANCE to understand the forces shaping the global financial system before they reach the headlines.

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Berarti dari 2019 udah Financial Freedom.. wow (@r@radityadika#prazteguh #radityadika #podcast

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Berarti dari 2019  udah Financial Freedom.. wow (@r@radityadika#prazteguh #radityadika #podcast



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Energy Policy | Lunch Money with Paul Krugman and Heather Cox Richardson

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Energy Policy | Lunch Money with Paul Krugman and Heather Cox Richardson



Nobel Prize-winning economist Paul Krugman and historian Heather Cox Richardson are joining forces for Lunch Money, a new monthly conversation series launching Wednesday, March 11th. Krugman writes the popular Substack newsletter bearing his name; Richardson’s Letters from an American reaches over 6 million readers every day. Join them for a wide-ranging, thoughtful, and provocative conversation about whatever is on their ever-curious minds.

Find Heather’s Letters from an American here: https://heathercoxrichardson.substack.com/subscribe

Find Paul’s Substack here: https://paulkrugman.substack.com/subscribe

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BITCOIN – DO THIS NOW

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BITCOIN - DO THIS NOW



CHECK OUT MY LINKTREE FOR EXCHANGES I USE, BONUSES, FREE VIDEOS, AND MORE!
https://linktr.ee/Myfinancialfriend

I have gotten kicked off YT before, when this happens I STILL POST ON TELEGRAM! JOIN NOW TO GET EXCLUSIVE VIDEOS, TRADES, AND BENEFITS FOR FREE!
https://t.me/MyFinancialFriendReal

Check Out My Second Channel!
https://www.youtube.com/channel/UCrXuLCYFr9o4_OHCLU0jWEg

Check out my RUMBLE page. https://rumble.com/user/MyFinancialFriend
Check out my X page. https://twitter.com/MyFinancialFri

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Please LIKE, COMMENT, and SUBSCRIBE for more!

Nothing I say is meant to be taken as legal, tax or investing advice. For entertainment purposes only. Some of the assets I talk about are assets I own. I’m not telling you to buy them.

#myfinancialfriend #crypto #stocks #bitcoin #ethereum #cardano #cryptocurrency #stockmarket #rich #tesla

Some of the links above are for affiliates. I may receive a commission for you signing up for the platform. Always read the terms and conditions before signing up for any product, platform or exchange. If you are from a restricted region you may get profits rolled back. DYOR and approach at your own risk.

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Therre are about 150 comments about some SPAM crypto. I spent 15 minutes deleting them already but they keep coming. PLEASE don’t fall for any of these comments.

IF YOU ARE USING ONE OF THE EXCHANGES LISTED ABOVE OR TALKED ABOUT IN THE VIDEO DO YOUR OWN RESEARCH. EXCHANGES CAN BE RISKY (SO CAN LEVERAGE TRADING). AS ALWAYS CHECK THEIR TERMS AND CONDITIONS AND REMEMBER, YOU DON’T HAVE A PROFIT UNTIL YOU HAVE BTC IN COLD STORAGE OR CASH IN A BANK ACCOUNT! Some exchanges are non KYC at the time of recording but eventually will KYC down the road.

For any business partnerships please reach out to the email below.
MyFinancialFriend23@Gmail.com

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XRP Price Chart, Bitcoin and Altcoins Near Bottom with Indicators & Volume, But On-Chain a Hair Away

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XRP Price Chart, Bitcoin and Altcoins Near Bottom with Indicators & Volume, But On-Chain a Hair Away



Blockchain Backer Newsletter – https://blockchainbacker.substack.com
Blockchain Backer’s Technical Analysis Toolkit for Crypto – http://www.BCBacker.com

Blockchain Backer 702 Digital Art NFT Collection on XRP – https://nft.onxrp.com/collection/blockchain-backer/

Hi, I am the Blockchain Backer, bringing you the latest cryptocurrency news and analysis. The content of my channel primarily focuses on crypto news, motivation, and chart analysis on the XRP chart, Bitcoin chart, various Altcoin charts, and market cap charts.

DISCLAIMER: I am not a financial adviser. Investing and trading is risky, and you can lose your money. The information in this video should not be used to make any investment decisions. You should contact a licensed financial adviser prior to making any investment decisions. Any affiliate links in the description of these videos may provide a commission if you decide to purchase their products. I appreciate any and all support of my channel, and without you, I wouldn’t be here. Thank you.

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I’m 22, How Do I Become Wealthy?

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I'm 22, How Do I Become Wealthy?



💵 Start eliminating debt for free with EveryDollar – https://ter.li/3w6nto

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message – https://www.ramseysolutions.com/shows/the-ramsey-show/email

Next Steps:
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan – https://ter.li/5h1r0i
📱Download your free Ramsey Network app today! – https://ter.li/cvqzyb

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🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws
🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq
🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz
💰 George Kamel ⮕ https://ter.li/dc2gee
💡 The Rachel Cruze Show ⮕ https://ter.li/a6emrr
🪑 Front Row Seat with Ken Coleman ⮕ https://ter.li/iwafu6
📈EntrLeadership ⮕ https://ter.li/g7s9g0

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