The Money and Meaning Show

Answering the Call: Embracing Life’s Transitions with Ben Katt

In this episode of Money & Meaning, host Jeff Bernier welcomes Ben Katt, author of The Way Home: Discovering the Hero’s Journey to Wholeness in Midlife. Ben is a transformation coach, meditation teacher, and former pastor who helps individuals navigate personal growth and midlife transitions. Together, they explore the significance of Joseph Campbell’s Hero’s Journey, the process of leaving the familiar, facing the unknown, and returning to a renewed sense of self. Ben shares insights on spirituality, purpose, and belonging, offering practical guidance for those moving into the next chapter of their lives. This conversation is invaluable for mid-to-late career individuals seeking meaning and direction beyond financial success.

Topics covered:

• Joseph Campbell’s Hero’s Journey and its relevance to personal transformation
• The three stages of the journey: leaving the familiar, falling into the unknown, and rising to wholeness
• Identifying and responding to the "call to adventure" in life transitions
• The importance of solitude, mindfulness, and self-reflection in discovering personal purpose
• How unresolved childhood patterns shape adult identity and decision-making
• Learning to embrace uncertainty and trust in life's unfolding process
• The impact of societal expectations and achievement-driven identities
• Finding fulfillment beyond financial success in midlife and retirement
• The role of meditation, spiritual practice, and community in personal growth
• Practical steps for stepping into a new phase of life with intention
  
  

Useful Links:

• Jeff Bernier on LinkedIn
• Ben Katt on LinkedIn: https://www.linkedin.com/in/benkatt
• Ben Katt: https://www.benjaminkatt.com/
• TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Perspectives: Weathering the Storm — Smart Strategies for Uncertain Markets

In this Perspectives episode of Money & Meaning, host Jeff Bernier shares insights on handling uncertainty during challenging times. Reflecting on past crises—9/11, the Great Financial Crisis, and the COVID-19 pandemic—Jeff explores how emotions can cloud judgment and why it's essential to develop strategies for managing risk and uncertainty. He provides practical advice on staying grounded, focusing on long-term goals, and avoiding fear-based decision-making. Whether you're feeling anxious about political change, market fluctuations, or the broader economic landscape, this episode offers a thoughtful approach to maintaining clarity and confidence in uncertain times.

Topics covered:

• The cyclical nature of uncertainty and how history offers perspective
• The difference between risk (manageable) and uncertainty (unbounded)
• The importance of journaling as a tool for reflection and growth
• Strategies for handling uncertainty:
• Clarifying personal values and beliefs
• Maintaining faith in the future and a long-term perspective
• Being selective about the media and content consumed
• Focusing on relationships, opportunities, and personal growth
• Practicing gratitude and avoiding reactionary decision-making
• Why politics should not drive investment decisions
• The role of goal-focused, planning-driven investing versus market-focused, performance-driven investing
  
  

Useful Links:

• Jeff Bernier on LinkedIn: https://www.linkedin.com/in/jeffberniercfp/
• TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Rethinking Portfolio Diversification with Phil Huber

In this episode of Money & Meaning, host Jeff Bernier welcomes Phil Huber, Managing Director and Head of Portfolio Solutions at Cliffwater. Phil is also the author of The Allocator’s Edge, a modern guide to alternative investments and portfolio diversification. They discuss the evolving role of alternative investments, the challenges facing traditional 60/40 portfolios, and how private markets and new fund structures are reshaping opportunities for financial advisors and individual investors. This episode is essential listening for those looking to build more resilient, well-diversified investment strategies.

Topics covered:

• Phil Huber’s background and career journey in wealth management and alternative investing
• The definition and misconceptions of alternative investments
• The rise of private credit, private equity, and interval funds
• Why liquidity matters and how it impacts returns
• Challenges of the traditional 60/40 portfolio in today’s market environment
• The role of private markets in retirement income planning
• How rising bond yields affect portfolio allocation decisions
• Key considerations for investors exploring alternative investments
  
  

Useful Links:

• Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
• Phil Huber on LinkedIn: https://www.linkedin.com/in/phil-huber
• Cliffwater: https://www.cliffwater.com/
• TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

February Perspectives

In this special "Money & Meaning Perspectives" episode, host Jeff Bernier shares key insights from recent readings and market trends to help listeners make informed financial decisions. He explores the concept of financial bubbles, including lessons from historical market cycles and current concerns surrounding the concentration of a few major stocks. Jeff also discusses recent breakthroughs in artificial intelligence with the rise of DeepSeek and its potential impact on industries, alongside the importance of international diversification in investment strategies. Tune in for a concise yet insightful update on market trends and strategic investing.

Topics covered:

• The concept of financial bubbles and historical market cycles
• Lessons from the 1920s auto industry and the 1999 dot-com boom
• Insights from Howard Marks on market valuation concerns
• The rise of DeepSeek AI and its disruptive impact on the tech sector
• Comparisons between the current AI boom and past technological revolutions
• The importance of international diversification in investment portfolios
• U.S. market dominance and historical parallels with Japan’s market rise
• Valuation considerations when investing in different global markets
• The role of diversification in managing investment risk
  
  

Useful Links:

• Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
• TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Understanding Risk Management with Hunter Ewing

In this episode of Money & Meaning, host Jeff Bernier interviews Hunter Ewing, co-founder and director of Private Lines Insurance at Higher Ground Risk. They explore the essentials of risk management, including protecting assets, managing liability, and understanding insurance coverage in today’s evolving insurance market. Hunter shares industry insights, practical advice, and personal anecdotes that highlight the importance of proactive financial protection.

Topics covered:

• The fundamentals of risk management in personal financial planning
• Common types of personal insurance: home, auto, umbrella, and valuable articles coverage
• The impact of severe weather events on insurance costs
• Key considerations when purchasing flood insurance
• Recent industry changes in insurance underwriting and coverage
• Misconceptions about personal insurance and financial planning integration
• The importance of working with independent insurance agents
• Best practices for maintaining adequate insurance coverage
• How to evaluate insurance needs for new home purchases and renovations

Useful Links:

• Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
• Hunter Ewing on LinkedIn: https://www.linkedin.com/in/hunter-ewing-5460a2a2
• High Ground Company: https://www.highgroundcompany.com/copy-of-hunter-ewing 
• Tandem Growth Financial Advisors: https://www.tandemgrowth.com/

Aligning Wealth with Purpose: Dr. Daniel Crosby on “The Soul of Wealth”

In this episode of Money & Meaning, host Jeff Bernier welcomes back Dr. Daniel Crosby, a New York Times bestselling author and Chief Behavioral Officer at Orion. Together, they discuss concepts from Crosby’s new book, The Soul of Wealth, exploring how financial well-being intersects with psychology and personal growth. From defining “soulful wealth” to the psychology behind money and happiness, the conversation offers practical insights on aligning financial decisions with what truly matters for a fulfilling life.

Topics covered: 

• Overview of Dr. Crosby’s career and role as Chief Behavioral Officer at Orion 
• Exploring The Soul of Wealth and its unique, contemplative format 
• Defining “soulful wealth” and why wealth is about more than finances 
• The impact of meaningful work on life satisfaction and wealth 
• Research findings on money and happiness 
• Spending habits that contribute to lasting happiness and fulfillment 
• The link between generosity, well-being, and the concept of “wealth” 
• Behavioral insights for better financial decision-making 
• The importance of flexibility in financial planning to accommodate personal growth 
• Unique financial strengths and investment tendencies of women 
• Setting deeply personal, meaningful financial goals for stronger motivation

Useful Links: 

• Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ 
• Daniel Crosby on LinkedIn: https://www.linkedin.com/in/danielcrosby 
• Orion: https://orion.com/ 
• TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ 

Navigating Midlife Transitions and Financial Empowerment with Sherry Finkel Murphy

In this episode of Money & Meaning, host Jeff Bernier sits down with Sherry Finkel Murphy, founder and CEO of Madrina Molly LLC. Sherry is a seasoned financial planner who focuses on helping midlife women navigate the complexities of financial and longevity planning. They explore the challenges faced by women in the "Triple Decker Club Sandwich Generation," discuss strategies for reinventing life after 50, and dive into Sherry’s mission to provide financial education through her community platform, Madrina Molly. This conversation offers valuable insights for those seeking to align their financial resources with their personal values and life goals.

Topics covered: 

• Challenges of the "Triple Decker Club Sandwich Generation" and its impact on midlife women. 

• Sherry’s career journey from financial planner to the founder of Madrina Molly. 

• Common financial and emotional struggles among midlife women, including shame around money. 

• The importance of financial education and empowering women over 50. 

• Strategies for reinventing life after 50, including Sherry’s concept of the “glide path.” 

• Insights on longevity planning and how it intersects with health, location, financial, and purpose planning. 

• The need for community and purpose in aging and retirement. 

• Balancing caregiving responsibilities with personal ambitions and business pursuits. 

• Building a supportive community for women navigating midlife transitions.

Useful Links: 

• Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ 

• Sherry Finkel Murphy on LinkedIn: https://www.linkedin.com/in/sherryfinkelmurphy 

• Madrina Molly: https://www.madrinamolly.com/ 

• Tandem Growth Financial Advisors: https://www.tandemgrowth.com/ 

Elections and Markets 🗳️ with Apollo Lupescu, Vice President of Dimensional Fund Advisors

In this episode of the Money & Meaning Show, host Jeff Bernier welcomes Apollo Lupescu, Vice President of Dimensional Fund Advisors. Apollo, known as the “Secretary of Explaining Stuff,” discusses how investors can make sense of financial markets during election years. He shares his insights on investment philosophies, the impact of political events on markets, and strategies for maintaining focus amidst noise. Tune in to learn how to make more informed investment decisions in politically charged times. 

Topics Covered: 

• Introduction to Apollo Lupescu and his journey with Dimensional Fund Advisors 
• Overview of Dimensional’s investment philosophy and core principles 
• How to think about market uncertainty during election years 
• The historical performance of markets during election years and what investors can learn 
• Debunking common myths about the impact of political policies on specific sectors 
• Evaluating the economic burden of national debt and its influence on investment strategies 
• The importance of focusing on data-driven decisions over emotional reactions 
• Final thoughts on separating politics from investment decisions 

Useful Links: 

• Jeff Bernier on LinkedIn 
• Apollo on LinkedIn 
• Dimensional Fund Advisors 
• TandemGrowth Financial Advisors 

 

Financial Wellness and Purpose with James Grace

In this episode of Money & Meaning, host Jeff Bernier talks with James Grace, Director of Wealth Management at Silver Pine Capital and host of the Modern Financial Wellness podcast. They explore the evolving nature of the wealth management industry, emphasizing holistic financial planning that encompasses not just financial health but also personal fulfillment and purpose. James shares his journey through the financial services landscape and offers insights into how individuals can achieve financial wellness and well-being. Together, they discuss the importance of aligning actions and resources with personal values and goals.

Topics covered:

• Introduction to James Grace and his role at Silver Pine Capital.
• Evolution of the wealth management industry toward holistic planning.
• Differences between financial wellness and financial well-being.
• James's career path from biotech sales to wealth management.
• The role of behavioral finance and client discovery in financial planning.
• The significance of aligning financial strategies with personal values.
• The importance of ongoing financial advice and support.
• Business models in the financial advisory industry.
• Insights from the Modern Financial Wellness podcast.

Useful Links:

• Jeff Bernier on LinkedIn
• James Grace on LinkedIn
• Silver Pine Capital
• Modern Financial Wellness Podcast
• TandemGrowth Financial Advisors

Unpacking Reverse Mortgages: Myths, Benefits, and Strategic Uses with Gabrielle Welter

In this episode of Money & Meaning, host Jeff Bernier speaks with Gabrielle Welter, a retirement solutions manager at Finance of America. They explore the topic of reverse mortgages, dispelling common myths and misconceptions. Gabrielle explains how these financial tools can provide stability and peace of mind for retirees, addressing key challenges like healthcare costs and market volatility. The discussion delves into the specifics of Home Equity Conversion Mortgages (HECMs), including their benefits, costs, and strategic uses in retirement planning.

Topics Covered:

• Introduction to reverse mortgages and common misconceptions
• Gabrielle Welter's background and career journey
• The evolution and safety measures of reverse mortgages
• Strategic uses of HECMs in retirement planning
• The financial and psychological benefits of reverse mortgages
• Differences between HECMs and traditional mortgages
• Suitability and scenarios for using reverse mortgages
• Costs and insurance protection associated with HECMs
• Resources for further information on reverse mortgages

Useful Links:

• Jeff Bernier on LinkedIn
• Gabrielle Welter on LinkedIn
• Finance of America
• TandemGrowth Financial Advisors