Join Ray Ferrara, CFP® – a 50-year veteran of wealth management and founder of ProVise Management Group – as he cuts through the noise of wealth management with straight talk and sharp insights.
In this episode, Ray Ferrara interviews Tom Giachetti about his life journey, the lessons learned from his illustrious career, and his new book, "The Ladder: The Precarious Climb to Success." They explore the mechanics of work-life balance, faith, and the importance of personal growth at any age. Have you ever felt like achieving success in life can be overwhelmingly complex? Well, you're not alone. During this very heartfelt conversation, Tom shares how his focus may have been missing the mark at times and the reality is; sometimes you are going to do it WRONG. However, the good news in this triumphant episode is...IT IS NEVER TOO LATE TO FIX YOURSELF! Listen today for repair instructions. To Order the Book Go To: https://www.calabrianhillsliterarypress.com/ Acknowledgements and Important Disclosures
Life in the big leagues is where you want to play; however, there can be some big curve balls thrown your way! A strikeout would be devastating, so be prepared to knock it out of the park and have your money plan ready to keep up! In this episode, financial expert Eustache Clerveaux shares insights with your host Ray Ferrara on how to prepare financially for life's major transitions, unexpected events, and windfalls. Learn practical strategies to build and maintain effective cushions within your financial plan and win the financial series. Batter Up! Acknowledgements and Important Disclosures
HOLD ON WITH BOTH HANDS…In this cliff hanger of an episode…join the eloquent Jerome Myers and host Ray Ferarra while they study the emotional and psychological challenges business founders face, and how to plan for a successful transition that aligns with personal purpose and fulfillment. Most founders assume that “cashing out” their Company or Business means the hard part is over — but in reality, it’s just the start. The real challenge? Managing the identity and purpose shift, and planning for what’s next. So, what's the secret? Are you truly ready for your next mountain? Or just thinking about the summit? Climb on and listen today!
Did you know that approximately 25% of Adults in the US are child-free, yet little is tailored for those in terms of Estate Planning...In this episode, Ray Ferrara interviews Dr. Jay Zigmont about estate planning for child-free couples, a niche - yet increasingly relevant area. Regardless of if you do or don't have kids, this population segment will have an impact on you and your community. Estate Planning is not all about DOCUMENTS...it’s so much more: values, pets, charities, and your unique situation. This session provides the answers and valuable insights for advisors and clients alike.
When markets soar or plunge, it’s natural to want to time your moves perfectly. But what if the real secret to lasting wealth isn’t timing, but discipline? In this episode, Ray and Kara Murphy, CIO of Kestra Investment Management, dispel some common misconceptions around market timing, strategies, and the hype surrounding AI and crypto—helping you navigate today’s volatile landscape with confidence. No FOMO here…learn about Rays’ affinity for a YO-YO, and how the up and down of the stock performance / emerging technologies may reshape markets and what it could mean for future investments. This is essential listening for anyone serious about building wealth and avoiding costly mistakes during uncertain times.
In this brief but bold episode, Ray shares several essential strategies for preserving and growing your wealth! It is so important to remain vigilant and keep focused on risk management, proper tax strategies, liquidity when needed and organized estate planning. Take a listen and learn some quick tips on how to keep your wealth intact!
✅ Expert advice on managing your wealth, getting your financial life organized, and achieving financial freedom
✅ Smart tax strategies to keep more of your hard-earned money and minimize your liability over the long term
✅ Insider breakdowns of retirement planning, Medicare and Social Security, insurance, and estate management
✅ Stay informed with the latest market trends and navigate economic shifts, inflation, interest rates, and policy changes with confidence.
Our listeners put the Personal in Personal Finance. Each month, we deep dive topics that impact your financial life. From recapping market trends and interviews with experts in healthcare and insurance to conversations with award-winning journalists, hear a new perspective about the issues that matter.
This is a hidden gem! Ray and his guests dive into professional and authentic financial wisdom that’s backed up by decades of fiduciary experience. Ray cuts right through the jargon surrounding money, investing and financial planning topics — and you can’t help but want to follow along.
Gretchen Halpin, Beyond AUM
Up Your Assets breaks down complicated personal finance topics into digestible takeaways. Short episodes packed with insights!
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In this episode, Ray discusses essential strategies for securing personal data with expert Kenneth Washington, who is the Chief Information Officer at the Tampa Port Authority. They cover a range of topics that are a little more “TECH” related to the Up Your Assets Podcast… including the importance of regular software updates, creating strong passwords, the necessity of multi-factor authentication, and securing home and office networks. The conversation also delves into the use of public Wi-Fi, the role of antivirus software, identifying malicious emails, and the importance of data backup. Additionally, they explore home security technology and the considerations surrounding firearms for personal safety…don’t miss the boat on this one, listen today!
In this episode of the Up Your Assets podcast, Ray and James A. Combs, Jr. , the President and CEO of National Advisors Trust Company discuss the intricacies of legacy planning and the role of trust companies in estate planning. They explore the advantages of using a corporate trustee, the benefits of the directed trust model and the importance of professional expertise in managing trusts. Jim shares insights on the unique offerings of National Advisors Trust and their approach to asset management. The conversation also touches on current trends in estate planning, the significance of trusts for asset protection, and the growth opportunities for financial advisors in integrating trust services into their practices. Make sure to tune in!
In this episode of the Up Your Assets podcast, Ray Ferrara is joined by estate planning attorney Nick Grimaudo! The two discuss recent changes in estate planning, which made estate tax rules permanent… Ever wondered what $15 million per person means for you? Or how the new laws actually help you keep more of your wealth? Here’s the truth: with the One Big Beautiful Bill, your estate exemption is now permanent at $15 million, which is an enormous difference from the sunset cliffhanger we faced earlier. However, what about protecting your assets before and after death? From proper asset titling to the strategic use of trusts, there’s more than one way to slash probate costs, guard against creditors, and shape your legacy. Even if you’re below the exemption threshold, there are income tax benefits and planning tactics that could save you big. Are you taking the right steps now? Or leaving your future to chance? This session is definitely worth a listen!
In this episode, Ray Ferrara shares his predictions for 2026 and reflects on how difficult it is to forecast the future in such an unpredictable world. He looks at several major market themes, including a possible surge in IPO activity with nearly 500 companies potentially going public and raising over 100 billion dollars, helped by the expected passage of the Invest Act. Ray also talks about the growing pressure on private markets, pointing to liquidity issues and rising negative publicity that could reduce investor interest. The conversation wraps up with his outlook on early year economic volatility and how a widening “K economy” may continue to separate people who benefit financially from those who fall behind.
In this “Part 2” episode with guest Jon Brethauer CFP®, AIF®, CPFA, MBA and Ray go further into the intricacies of managing retirement plans from a participant’s perspective. They cover essential topics such as understanding eligibility, maximizing employer contributions and the differences between traditional and Roth contributions. The conversation emphasizes the significance of financial planning and the need for participants to engage actively with their retirement savings to ensure a secure financial future. Ray and Jon also share the importance of early savings, the power of compound interest and how the role of target date funds can be a useful tool in ones plan.
In this episode of Up Your Assets, host Ray Ferrara CFP® and guest Jon Brethauer CFP®, AIF®, CPFA, MBA discuss the complexities of being a retirement plan sponsor. This is part 1 of a 2 part series, where they delve into fiduciary responsibilities, the importance of hiring fiduciary advisors, and the various types of fiduciaries. The conversation also covers investment performance, hidden costs in retirement plans, the necessity of benchmarking, and tax considerations for new plans. Additionally, they explore strategies for business owners to catch up on retirement savings and emphasize the importance of seeking professional advice for plan improvement.
In this podcast episode, Ray Ferrara and Jonathan Ainsley discuss the implications of increased longevity on financial planning and lifestyle. They explore how living longer requires a shift in mindset, financial strategies, and the importance of reframing aging perspectives. Jonathan introduces the Flourishing Longevity Scorecard and discusses the three revolutions affecting longevity: the revolution of longevity itself, the impact of technology, and the evolution of relationships. They also address the role of AI in supporting aging individuals and the need for financial professionals to adapt their strategies to accommodate longer lifespans.
This episode is a unique conversation with Sandy Risgaard, CFP ® and Ray Ferarra, CFP® where they discuss essential information regarding Social Security and retirement, including how to access benefits, the importance of having a strategy, tax implications and recent updates in the Social Security system. This great discussion emphasizes the complexity of Social Security and the need for personalized financial planning.
In this episode of Up Your Assets, host Ray Ferrara and insurance expert Bill Askins delve into the complexities of Medicare, discussing its various parts (A, B, C, and D), the importance of understanding enrollment periods, and the differences between Medicare Advantage and Supplement plans. They emphasize the need for personalized advice and the potential pitfalls of late enrollment penalties, providing listeners with essential insights to navigate their Medicare options effectively.
In this unique episode Ray, provides great perspective on the major tax law changes that are here! During this educational session, he describes how the Big Beautiful Bill could have a significant impact on your retirement, investments, and estate planning. The One Big Beautiful Bill Act brings sweeping changes to the tax code that could directly impact your income, retirement, and estate plans for years to come. Understanding these changes now is essential to making informed decisions that protect your wealth and take advantage of new opportunities. This episode will give you the clarity and actionable insights you need to adapt your plan with confidence.
There are several complexities that factor into retirement, adding to the conundrum is how to factor in the potential of “living longer” and what that might entail. In this episode, Ray sits down with longtime friend and fellow CFP® Rick Kahler to contemplate these challenges and biases that affect retiring. Over his enduring career, Rick has accumulated a vast knowledge base, professional credentials and accolades…during the podcast it is quite evident the wealth of information between these two colleagues. What is also clear, the genuine heartfelt calling they both have for their craft, clients and family… we hope this podcasts message will educate and inspire those who listen.
Congratulations! You have made it to the conclusion of the amazing three-part series on understanding Social Security, with Ray Ferrara CFP ® and award winning author / journalist and Social Security expert Mary Beth Franklin. During Part 3, Ray and Mary Beth take a look down the road on what the future of Social Security may look like given that it is projected to run out of money in 2032…
A must watch for anyone who wishes to learn more about the complex system that will affect all of us as Americans.
Welcome to part two of this superb three-part series with Ray Ferrara CFP ® and award-winning author / journalist and Social Security expert Mary Beth Franklin. During this exciting and informative session, Ray and Mary Beth give some well thought out tips on how to navigate the sometimes-overwhelming process when claiming your Social Security Benefits. A must watch for anyone who wishes to learn more about the complex system that will affect all of us as Americans.
In this amazing three part series, Ray Ferrara CFP ® speaks to award winning author / journalist and Social Security expert Mary Beth Franklin. During this exciting and informative session, Ray and Mary Beth roll up their sleeves and have a detailed discussion about all things Social Security! A must watch for anyone who wishes to learn more about the complex system that will affect all of us as Americans.
You won’t want to miss the insightful conversation with Dr. Barb Provost on how to help current and future generations control the “Purse Strings”.
Ray Ferrara, CFP®, sits down with Cary Carbonaro, CFP®, MBA, Managing Wealth Advisor and Women in Wealth Ambassador for Ashton Thomas, to tackle the financial services industry’s gender problem.
Ray Ferrara, CFP®, sits down with Alex Chamberlain, CMC, CSA, owner of EasyLiving, Inc, to tackle the realities of long-term care planning.
Looking to make a lasting charitable impact? Ray Ferrara, CFP®, is joined by Katrina Mason, President and CEO of Morton Plant Mease Healthcare Organization, and Patricia Wang, Executive Director of Development and Gift Planning at the University of Maryland College Park Foundation, to unravel the concept of deferred giving.
Is there more to retirement than just financial planning? Ray Ferrara, CFP®, sits down with Robert Laura, founder of the Retirement Coaches Association and seven-time bestselling author, to challenge the status quo of retirement planning.
Thinking about selling your business? Ray Ferrara, CFP®, sits down with Emery Ellinger, founder of Aberdeen Advisors, Inc., to unpack the complex world of mergers and acquisitions. Together, they explore how to prepare your company before selling, obtain accurate business valuations, avoid common pitfalls that can derail a deal, and so much more. Whether you’re years from selling or actively planning your exit, this episode delivers crucial wisdom for maximizing your business’s value.
Ever wondered if your life insurance policy could be worth more than you think? Ray Ferrara, CFP®, sits down with Boyd Crisler, founder of Boyd Settlements, to discuss life settlements. Together, they explore this often-overlooked third option for policy holders, diving into everything from eligibility requirements to tax implications. Through real-world cases and knowledgeable insights, discover how selling your life insurance policy could potentially put more cash in your pocket today.
Want to know what sets financial advisors apart? Ray Ferrara, CFP®, and Kevin R. Keller, CAE, Chief Executive Officer of the CFP Board, cut through the alphabet soup of financial designations and reveal why the CFP® mark stands as the gold standard of financial planning. Together, they also share insider tips on choosing the right financial planner and explore why the next generation should consider this rewarding profession.
What could the next presidential term mean for your wealth? Join Ray Ferrara, CFP®, as he unpacks the potential implications of upcoming policy changes under President Trump. From tax reforms and tariffs to Social Security considerations and the national debt landscape, understand how possible policy shifts could impact your financial strategy.
How does your health impact your financial plan? On today’s episode, Ray Ferrara, CFP®, is joined by Carolyn McClanahan, M.D., CFP®, founder of Life Planning Partners, Inc., for an eye-opening discussion on the critical intersection of healthcare and financial planning. Together, they explore how to integrate health considerations into your financial plan, tackle longevity planning, and navigate the complex landscape of healthcare costs.
What’s it like covering the ever-evolving world of personal finance? Ray Ferrara, CFP®, sits down with veteran financial journalist John Waggoner to explore his journey through decades of market coverage, the changing landscape of digital media, and the advice he would give to his younger self.
Does the market care who’s president? On today’s episode, Ray Ferrara, CFP®, is joined by Dr. Dave Yeske, CFP®, Founder of Yeske Buie, and Yusuf Abugideiri, CFP®, CIO of Yeske Buie, as they explore the market’s reaction to past elections and the impact (or lack thereof) that past presidents have had on the overall market.
Today’s topic is all about health insurance! Ray Ferrara, CFP®, is joined by Christine Simone, CEO and Founder of Caribou, a company that sits at the intersection of healthcare and finance. Ray and Christine discuss important topics surrounding Medicare and Medicare Advantage plans.
