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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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Understanding Financial Trauma: When Money Isn’t Enough!!! #financialtrauma #healing #motivation

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Understanding Financial Trauma: When Money Isn't Enough!!! #financialtrauma #healing #motivation



I talk about the financial trauma that we experience in our daily lives, often without fully recognizing it. I share my personal struggles with bills and rent payments, discussing how even when working and earning decent money, it sometimes just isn’t enough, and the emotional weight that carries.

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Bitcoin, Gold, Stocks, Chess

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Bitcoin, Gold, Stocks, Chess



Let’s talk about Bitcoin, Gold, and Stocks, but also play chess!

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Unlocking the Power of Compound Interest with Cumulative FDs for Higher Returns | Lalitha Jayabalan

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Unlocking the Power of Compound Interest with Cumulative FDs for Higher Returns | Lalitha Jayabalan



Unlocking the Power of Compound Interest with Cumulative FDs for Higher Returns | Lalitha Jayabalan

#CompoundInterest #CumulativeFDs #InvestmentStrategy #FinancialGrowth

[ Compound Interest, Cumulative FDs, Fixed Deposits, Interest Rates, Finance, Investment, Money Multiplication, Higher Returns, Bank Deposits, Financial Strategy]

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DOJ MEMO REFERS TO EPSTEIN AS A “FINANCIAL BOUNTY HUNTER” WHO “WORKED FOR THE U.S. GOVERNMENT”

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DOJ MEMO REFERS TO EPSTEIN AS A “FINANCIAL BOUNTY HUNTER” WHO “WORKED FOR THE U.S. GOVERNMENT”



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Trump freaks out as they run out of money

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Trump freaks out as they run out of money



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Disclaimer: Opinions expressed in this video are my own. Content is for education and entertainment. Make decisions suitable for your particular circumstances.

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Can XRP Actually Hit $1,000? W/Jake Claver

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Can XRP Actually Hit $1,000? W/Jake Claver



Watch the full episode with Jake Claver here: https://www.youtube.com/watch?v=VAqb7ovzrpg

Disclaimer
This video is for education and entertainment only. We are not financial, legal, tax, or investment advisors. Nothing here is a recommendation or a solicitation to buy/sell any asset or strategy. Crypto and markets are risky—you can lose all your money. Do your own research and consult a qualified professional.

We (and guests) may hold positions in assets discussed and may receive sponsorships/affiliate revenue from links—assume we do. Mention of any company, protocol, or product is not an endorsement. Information may be inaccurate, incomplete, or outdated as of recording. Past performance is not indicative of future results.

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Mithun Rashi March Rashifal 2026 | Job, Promotion Aur Financial Growth | Baba Baidyanath Dham Live

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Mithun Rashi March Rashifal 2026 | Job, Promotion Aur Financial Growth | Baba Baidyanath Dham Live



Mithun Rashi March Rashifal 2026 | Job, Promotion Aur Financial Growth | Pt. Shree Vashishth | Baba Baidyanath Dham Live Darshan Official

Mithun Rashi March Rashifal 2026 me Gemini rashi walon ke liye career growth, job opportunity, paisa ki sthiti, love life aur marriage yog ka vistaar se vishleshan diya gaya hai. Pt. Shree Vashishth grah gochar ke adhar par batate hain ki March me kaun se din shubh rahenge aur kin faislon me savdhani zaruri hogi. Agar aap Mithun Rashi Monthly Rashifal March 2026 ya Gemini Career Love Paisa Prediction dekhna chahte hain, to ye video aapke liye important hai. Dekhiye Baba Baidyanath Dham Live Darshan Official par.

#MithunRashiMarchRashifal2026 #MithunRashiMarch2026 #MithunRashiMar2026 #MarchRashifal2026 #MarchMonthlyRashifal2026 #MithunRashiMonthlyRashifalMarch2026 #MithunRashiMasikRashifalMarch2026 #GeminiMarchRashifal2026 #GeminiMonthlyHoroscopeMarch2026 #GeminiHoroscopeMarch2026 #MarchHoroscopeGemini2026 #MithunRashiCareerMarch2026 #MithunRashiJobMarch2026 #MithunRashiCareerGrowthMarch2026 #MithunRashiPromotionMarch2026 #GeminiCareerMarch2026 #GeminiJobMarch2026 #MarchCareerRashifalGemini #MithunRashiPaisaMarch2026 #MithunRashiMoneyMarch2026 #MithunRashiFinanceMarch2026 #MithunRashiDhanMarch2026 #MithunRashiIncomeMarch2026 #GeminiFinanceMarch2026 #GeminiMoneyMarch2026 #MarchFinanceRashifalGemini #MithunRashiLoveMarch2026 #MithunRashiLoveLifeMarch2026 #MithunRashiRelationshipMarch2026 #MithunRashiMarriageMarch2026 #MithunRashiShadiMarch2026 #GeminiLoveMarch2026 #GeminiRelationshipMarch2026 #MarchLoveRashifalGemini #MithunRashiHealthMarch2026 #GeminiHealthMarch2026 #MarchHealthRashifalGemini #MithunRashiBusinessMarch2026 #GeminiBusinessMarch2026 #MarchBusinessRashifalGemini #MithunRashiJobChangeMarch2026 #GeminiJobChangeMarch2026 #MithunRashiSalaryMarch2026 #GeminiSalaryMarch2026 #MithunRashiFinancialGrowthMarch2026 #GeminiFinancialGrowthMarch2026 #MithunRashiLossOrProfitMarch2026 #GeminiProfitMarch2026 #MithunRashiWarningMarch2026 #MithunRashiSavdhanMarch2026 #GeminiWarningMarch2026 #MithunRashiLuckyDaysMarch2026 #GeminiLuckyDaysMarch2026 #MithunRashiUpayMarch2026 #GeminiUpayMarch2026 #MithunRashiGrahGocharMarch2026 #GeminiTransitMarch2026 #MithunRashiPlanetaryPositionMarch2026 #MarchGrahGocharGemini #MithunRashiBhavishyafalMarch2026 #GeminiBhavishyafalMarch2026 #MithunRashiFutureMarch2026 #GeminiFutureMarch2026 #MithunRashiPredictionMarch2026 #GeminiPredictionMarch2026 #MithunRashiMonthlyPredictionMarch2026 #GeminiMonthlyPredictionMarch2026 #MithunRashiLoveMarriageMarch2026 #GeminiMarriageMarch2026 #MithunRashiCareerPaisaMarch2026 #GeminiCareerPaisaMarch2026 #MarchRashifalMithunRashi2026 #MarchHoroscopeMithun2026 #MasikRashifalMarchMithun2026 #MonthlyRashifalMarchGemini2026 #MithunRashiMarchLife2026 #GeminiMarchLife2026 #MithunRashiSuccessMarch2026 #GeminiSuccessMarch2026 #MithunRashiStruggleMarch2026 #GeminiStruggleMarch2026 #MithunRashiOpportunityMarch2026 #GeminiOpportunityMarch2026 #MithunRashiDecisionMarch2026 #GeminiDecisionMarch2026 #MithunRashiPersonalLifeMarch2026 #GeminiPersonalLifeMarch2026 #MithunRashiProfessionalLifeMarch2026 #GeminiProfessionalLifeMarch2026 #MithunRashiMonthlyAnalysisMarch2026 #GeminiMonthlyAnalysisMarch2026 #MithunRashiDetailedRashifalMarch2026 #GeminiDetailedHoroscopeMarch2026 #MithunRashiAccurateRashifalMarch2026 #GeminiAccurateHoroscopeMarch2026 #March2026MithunRashi #March2026GeminiRashifal #MithunRashiMarchAlert2026 #GeminiMarchAlert2026 #MithunRashiMarchResult2026 #GeminiMarchResult2026 #MithunRashiMonthlyResultMarch2026 #GeminiMonthlyResultMarch2026 #MithunRashiJobLuckMarch2026 #GeminiJobLuckMarch2026 #MithunRashiMoneyLuckMarch2026 #GeminiMoneyLuckMarch2026 #MithunRashiLoveLuckMarch2026 #GeminiLoveLuckMarch2026 #MithunRashiMarriageLuckMarch2026 #GeminiMarriageLuckMarch2026 #MithunRashiBusinessLuckMarch2026 #GeminiBusinessLuckMarch2026 #MithunRashiMarchFocus2026 #GeminiMarchFocus2026 #MithunRashiMarchTruth2026 #GeminiMarchTruth2026 #MithunRashiMarchPrediction2026 #GeminiMarchPrediction2026 #MithunRashiMonthlyFocusMarch2026 #GeminiMonthlyFocusMarch2026 #PtShreeVashishthMithunRashiMarch #PtShreeVashishthMarchRashifal #BabaBaidyanathDhamLiveDarshanOfficial

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He’s the poorest financial advisor he’s ever met.#shorts #edit #viral #shortvideo

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He’s the poorest financial advisor he’s ever met.#shorts #edit #viral #shortvideo



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How XRP Becomes the #1 Asset in the World w/ Jake Claver

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How XRP Becomes the #1 Asset in the World w/ Jake Claver



Jake Claver joins Keith & Ben to discuss XRP, his XRP domino theory, his XRP Price predictions and everything else he sees coming for the asset.

Subscribe to Jake: @jakeclaver

Follow Jake on Twitter: https://x.com/beyond_broke

Memes and Markets explores how culture and memes shape & get shaped by financial markets to present the information you want at a level you can understand and relate to. Don’t forget to subscribe to me notified when we go live on Tuesdays & Thursdays.

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Chapters

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00:00 Introduction and Guest Introduction
05:36 Market Volatility and XRP’s Role
11:41 The Origins and Development of XRP
20:46 The Role of Banks and Stablecoins
27:22 Market Cap vs. Liquidity Index
33:14 The Clarity Act and XRP’s Future
38:22 The XRP Community and Cultural Phenomenon
44:14 Institutional Predictions and Market Liquidity
50:48 Managing Sudden Wealth and Financial Literacy
01:01:13 The Impact of AI on Economic Structures
01:15:27 Wealth and Spirituality: A Complex Relationship
01:21:05 The Role of Consistency Bias in Decision Making
01:29:11 Leverage in Society: Creating Value and Impact
01:35:06 Prediction Markets: Risks and Ethical Concerns
01:40:03 Navigating the Emotional Landscape of Investing
01:47:03 The Evolving Landscape of Crypto Legislation
02:01:03 The Influence of Social Media on Financial Decisions
02:10:53 The Importance of Self-Education in Finance
02:16:16 The Rise of OnlyFans and Addressing Loneliness
02:21:51 The Evolution of Programming and AI
02:27:11 Engaging with Audience Feedback and Comments
02:32:52 The Limits of AI and Its Sustainability

Disclaimer
This video is for education and entertainment only. We are not financial, legal, tax, or investment advisors. Nothing here is a recommendation or a solicitation to buy/sell any asset or strategy. Crypto and markets are risky—you can lose all your money. Do your own research and consult a qualified professional.

We (and guests) may hold positions in assets discussed and may receive sponsorships/affiliate revenue from links—assume we do. Mention of any company, protocol, or product is not an endorsement. Information may be inaccurate, incomplete, or outdated as of recording. Past performance is not indicative of future results.

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Sarah Ferguson & Epstein: The Financial Ties They Hid (CLIP)

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Sarah Ferguson & Epstein: The Financial Ties They Hid (CLIP)



Newly surfaced Epstein documents reveal how deeply Sarah Ferguson leaned on him — financially and emotionally — even after his 2008 conviction. This clip breaks down the emails, the money, and the troubling loyalty that kept her tied to a convicted sex offender. What did the public never get told, and why does this relationship still matter today?

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