In this episode, Josh Itzoe sits down with Nate Moody, Partner at Lebel & Harriman, to discuss building a career in retirement plan advisory, creating authentic relationships, and navigating the evolving financial services landscape.

Nate grew up in Gorham, Maine, in an entrepreneurial household where his father owned a collision repair business. After graduating from Bowdoin College, Nate turned down opportunities in Boston and New York to stay in Maine, betting on the long game of building deep local relationships. He started as an analyst at LeBell & Harriman in 2014 making $43,000—while his peers laughed from their Wall Street jobs—and became a partner in 2023. Today, his firm manages nearly 100,000 retirement plan participants, primarily in Maine.

During the conversation, Nate explains why he chose the employer retirement plan space over private wealth management. Working with a company's 401(k) plan allows him to impact hundreds or thousands of participants through a single decision—implementing auto-enrollment, reducing fees, or improving investment options—creating an exponential community impact.  He also describes how genuine care for clients creates sustainable relationships. He emphasizes that clients can detect when advisors are just going through the motions versus truly investing in their success.

As it relates to next-gen advisors, here's his best advice:

1. Define Your Success: Have an honest conversation about what success means to you—not what others think it should be
2. Play the Long Game: Choose environments where you'll get "game time reps" and exposure to real client work, even if short-term compensation is lower
3. Go Talk to People: Build relationships, ask questions, and learn from those who've been there—there are no shortcuts to gaining experience and empathy

The episode also touches on how technology, regulatory changes, and shifting client demographics are transforming the retirement plan advisory landscape.

In this episode, Josh Itzoe sits down with Grant Ellis from Ellis Retirement Services to discuss his with deep roots in the retirement plan industry. Grant shares his unconventional entry into the business—from competitive golfer to internal wholesaler to TPA firm work with his actuary father, ultimately launching his own advisory practice at 27.

Grant's journey hasn't been limited to financial services. He's started multiple businesses, including a peanut butter company that grew to 15 employees before closing. These entrepreneurial experiences have given him invaluable perspective when working with plan sponsors and business owners, helping him understand that retirement plans, while important, are just one priority among many operational challenges.

The conversation explores Grant's philosophy on client relationships and business development. Rather than relying heavily on tactics and preparation, Grant emphasizes the power of authentic human connection. He approaches meetings simply by asking clients to share their stories, believing that genuine curiosity and emotional intelligence trump any rehearsed pitch or tool demonstration.

Grant, who has become a notable voice on LinkedIn for his industry insights, challenges advisors to focus less on becoming tool experts and more on becoming master craftsmen of human relationships. He argues that in an AI-driven future, technical tools won't differentiate advisors—the ability to connect deeply with clients will.

His advice for next-gen advisors: study human condition and develop relationship capital. Success in the advisory space isn't about having the perfect email template or the most sophisticated technology stack. It's about being technically sound while building trust through authentic human connection. As Grant puts it, clients don't choose their doctor based on having the newest scalpels—they choose based on competence and trust.

The episode concludes with Grant emphasizing that while tools are important for efficiency, they're means to an end, not the objective itself. The real differentiator is being exceptionally good at understanding and connecting with other human beings.

In this episode, I interview Rob Madore, an expert in investment banking and management consulting. We discuss the role of MarshBerry, a management consulting and investment banking firm, in helping advisory firms grow and maximize their value. We also explore some of the current challenges and opportunities in the industry, including the integration of acquired firms and the importance of organic growth. Our conversation highlights the need for advisory firms to have a long-term plan and a solid growth foundation to achieve success.

We also discuss the challenges and strategies for growing and scaling advisory firms. We emphasize the importance of overcoming growth barriers, cultivating the next generation of advisors, and adapting to a constantly changing competitive landscape. We also touch on the value of niche specialization, differentiation, and focusing on the right types of clients. We conclude our conversation with a discussion on the drivers of value in advisory firms and the importance of scale, profitability, human and capital.

Listeners are encouraged to connect with Rob on LinkedIn or via email to learn more.

In this conversation, we discuss Pooled Employer Plans (PEPs) and their growing impact on the retirement industry. We explore the different flavors of PEPs and the importance of advisor centricity in designing and implementing these plans. We also touch on the challenges faced by HR and benefits teams, the concept of indirect fee compression for financial advisors, and the need for a flexible framework in PEPs.

The conversation highlights the importance of good data, the role of a pooled plan provider, and the value of insulating plan sponsors from operational failures. We also discuss the benefits and challenges of Pooled Employer Plans (PEPs). We explore topics such as the service-first approach, intraplan subsidization, the role of advisors in PEPs, the potential for cost savings, and the timeline for setting up a PEP.

Patrick emphasizes the importance of curiosity and education for advisors considering PEPs. He also shares lessons learned from their experience with PEPs, including the high level of interest from employers and the need for flexibility and collaboration. Listeners are encouraged to connect with Patrick on LinkedIn or via email to learn more.

She suggests focusing on email marketing campaigns, LinkedIn engagement, and maintaining an active blog to attract and retain clients. We discuss the importance of building a rewarding culture, designing an effective content strategy, and leveraging technology in the retirement industry.

We also explore the limitations and benefits of AI in content creation, the challenges of outdated technology, and the value of investing in the right tools and resources.

Additionally, we highlight the need for retirement advisors to view technology as an investment rather than an expense and the importance of storytelling and messaging in delivering high-value content. Overall, the conversation emphasizes the importance of leveraging technology and expertise to enhance the advisor's business and client experience.

My guest today is Bill Chetney, Jr. from Viking Cove Institute.  Bill’s dad Bill Chetney Sr. arguably created the first aggregator with National Retirement Partners (NRP), eventually selling it to LPL, and ultimately created GRPAA.  Now it’s Bill Jr.’s turn to lead the organization forward and today he shares his vision for what that looks like.

On the show we cover a lot of ground around topics and the various ways Viking Cove Institue supports the independent advisor community through a combination of resources like training and educations, fintech solutions and partnerships, and favorable economics with product providers to create institutional scale that Viking Cove members can leverage to compete more effectively within the marketplace.

My guest today is Bill Chetney, Jr. from Viking Cove Institute.  Bill’s dad Bill Chetney Sr. arguably created the first aggregator with National Retirement Partners (NRP), eventually selling it to LPL, and ultimately created GRPAA.  Now it’s Bill Jr.’s turn to lead the organization forward and today he shares his vision for what that looks like.

On the show we cover a lot of ground around topics and the various ways Viking Cove Institue supports the independent advisor community through a combination of resources like training and educations, fintech solutions and partnerships, and favorable economics with product providers to create institutional scale that Viking Cove members can leverage to compete more effectively within the marketplace.

My guest today is Liz Davidson from Financial Finesse and this is her second time on the show.

On this episode, we discuss her new book, Money Strong: Your Guide to a Life Free of Financial Worries, her "START" framework which outlines a universal process that can be applied to anyone's financial life regardless of where they are, her writing process, why Financial Finesse focuses on "coaching" vs. "advice" to employees, their "Powered By" division which provides a combination of technology and coaching infrastructure to partners, how AI and mass personalization can help reach more people and drive transformational change, the behavioral and psychological aspects to financial stress, and much more.

My guest today is Liz Davidson from Financial Finesse and this is her second time on the show.

On this episode, we discuss her new book, Money Strong: Your Guide to a Life Free of Financial Worries, her "START" framework which outlines a universal process that can be applied to anyone's financial life regardless of where they are, her writing process, why Financial Finesse focuses on "coaching" vs. "advice" to employees, their "Powered By" division which provides a combination of technology and coaching infrastructure to partners, how AI and mass personalization can help reach more people and drive transformational change, the behavioral and psychological aspects to financial stress, and much more.

My guest today is Bonnie Treichel from Endeavour Retirement.  I’ve been a fan of Bonnie’s for some time and she is seemingly everyone these days sharing her thought leadership as well as her practice management tools and resources for advisors.  She’s one of the voices in the retirement industry that I greatly admire, and listeners will glean a lot of wisdom from this episode.

Bonnie has a unique background, as both an ERISA attorney and former advisors, and it shows in how she communicates her ideas philosophies, and methodologies.  

On the show we do a deep dive into hot fiduciary topics like ESG, guaranteed income, an implementation framework for SECURE 2.0, the benefit of developing what she calls a “partnership wheel, the highs and lows of the startup journey, and more.

My guest today is Bonnie Treichel from Endeavour Retirement.  I’ve been a fan of Bonnie’s for some time and she is seemingly everyone these days sharing her thought leadership as well as her practice management tools and resources for advisors.  She’s one of the voices in the retirement industry that I greatly admire, and listeners will glean a lot of wisdom from this episode.

Bonnie has a unique background, as both an ERISA attorney and former advisors, and it shows in how she communicates her ideas philosophies, and methodologies.  

On the show we do a deep dive into hot fiduciary topics like ESG, guaranteed income, an implementation framework for SECURE 2.0, the benefit of developing what she calls a “partnership wheel, the highs and lows of the startup journey, and more.

My guest on this episode is John Faustino, who is the Head of FI360. John has become a good friend and incredible mentor of mine as I have pivoted into the fintech world, and we had a great conversation where we covered a lot of ground. John has a 30+ year career in the fintech industry, first at Morningstar, then moving Fi360 as Chief Product & Strategy Officer, and continuing as the organizational leader after its acquisition by Broadridge.

On this episode, we discuss topics that range from how the technology landscape for advisors is evolving, the trend towards collaboration and partnership between fintech providers which is leading to a better experience for end users, the generational differences between advisors and how this impact technology adoption, how technology is empowering new solutions like guaranteed income and ESG, why the trend towards fiduciary practices and principles is going to accelerate and much more. Make sure to listen to Parts 1 & 2 with your favorite podcast app!

My guest on this episode is John Faustino, who is the Head of FI360. John has become a good friend and incredible mentor of mine as I have pivoted into the fintech world, and we had a great conversation where we covered a lot of ground. John has a 30+ year career in the fintech industry, first at Morningstar, then moving Fi360 as Chief Product & Strategy Officer, and continuing as the organizational leader after its acquisition by Broadridge.

On this episode, we discuss topics that range from how the technology landscape for advisors is evolving, the trend towards collaboration and partnership between fintech providers which is leading to a better experience for end users, the generational differences between advisors and how this impact technology adoption, how technology is empowering new solutions like guaranteed income and ESG, why the trend towards fiduciary practices and principles is going to accelerate and much more. Make sure to listen to Parts 1 & 2 with your favorite podcast app!

On this episode, we discuss topics that range from developing systems and workflows that scale, service models that succeed, how Vestwell is empowering the next generation of retirement savers by making advisors and TPA more efficient, crypto, and more.  And so with that introduction I hope you enjoy this episode with Aaron Schumm. Make sure to listen to Parts 1 & 2 with your favorite podcast app!

My guest on this episode is Aaron Schumm, Founder & CEO of Vestwell.  This is Aaron’s second time on the podcast since first appearing in 2020 as my second guest on the show.  A lot has changed since then and Vestwell’s success has gone nuclear, making them a dominant force in the small plan recordkeeping market.  

On this episode, we discuss topics that range from developing systems and workflows that scale, service models that succeed, how Vestwell is empowering the next generation of retirement savers by making advisors and TPA more efficient, crypto, and more.  And so with that introduction I hope you enjoy this episode with Aaron Schumm. Make sure to listen to Parts 1 & 2 with your favorite podcast app!

My guest on this episode is Michael Doshier, who is a Senior Defined Contribution Advisor Strategist for T. Rowe Price where he is primarily responsible for driving the increased visibility of T Rowe Price’s investment brand, furthering the firm’s position as a thought leader in the retirement arena.  He’s been in the retirement industry for 30 years and previously held executive positions at Fidelity, MassMutual and Franklin Templeton Investments.

This is Michael’s second time on the podcast.  During his first appearance, he shared his insights from T. Rowe Price’s inaugural 2020 Defined Contribution Consultant Study.  On today’s episode, he’ll be sharing his insights from T. Rowe Price’s 2021 Defined Contribution Consultant Study which included survey responses from 32 consulting firms that work with over 33,000 plan sponsor clients and more than $7 trillion in assets under advisement. It also incorporated over 450 plan sponsors survey directly by T. Rowe Price and nearly 6,500 plan participants from T. Rowe Price recordkeeping clients. 

We discuss topics like price competition and margin compression faced by consultants and advisors, how the competitive lines are blurring between the two, how to improve firm profitability, which services and capabilities provide differentiation opportunities as well as plan sponsor and participant attitudes towards things like retirement decumulation, financial wellness, student debt, and HSAs, among other things.  And make sure to listen to the end of Part 2 where Michael shares his best piece of practice management advice for consultants and advisors.  And so, with that introduction, I hope you enjoy part 1 of this episode with Michael Dozier from T. Rowe Price.

My guest on this episode is Chad Johansen who is a Partner & Director of Retirement Plan Sales at Plan Design Consultants, a very successful TPA that focuses on the micro and small retirement plan market. He’s also ¼ of the Retireholics and self-proclaimed 401(k) nerd. The moniker works because, along with being one of my best friends in the business, he’s also one of the smartest guys I know in the industry. He's successfully serves advisors and plan sponsors by combining a technical mind, a savvy sales approach and an unparalleled work ethic.

On the episode, we cover a lot of ground, discussing how advisors can win big by serving the small retirement plan market. We have a great conversation about which providers are doing a good job in that space. How small plan’s need a different level of service than large plans and how advisors can develop a skill set and service model that meets those needs in a profitable way. Chad also shares insights about how advisors can differentiate by focusing on tax efficient strategies and advantages for small businesses as well as the benefit of paying fees as a deductible business expense. We also cover topics like why fiduciary liability is oversold in small plans and why advisors should focus on helping plan sponsors avoid operational failures, winning analogies to explain complicated topics, and why advisors need to understand the value of their time and start looking at technology as an investment instead of as an expense to scale their business and drive operational efficiency. 

I always love geeking out with Chad and had a great time on this episode. I hope you enjoy Part 1.  Don't forget to check out Part 2!

On the episode, we have a great discussion about practice management for retirement plan advisors and how they can work on their business instead of just in the business.  We cover sales strategies like the importance of building a proprietary process to differentiate your practice, demonstrating deep expertise by diagnosing accurately so you can prescribe effectively, avoiding the urge to sell prospects on what services you offer instead of future outcomes you can achieve, and how to create a flexible narrative and messaging approach that can be applied to the unique needs of your prospects.  Finally, we also discuss Andy’s consulting philosophy which is built around 3 pillars: sales and lead generation, service model and growth map and how advisors can identify their biggest business driver so they can focus on that area.

We focus a lot of our conversation on the human aspect of financial services and how we communicate with our clients and prospects. We chat about the power of storytelling, how and why advisors need to get super clear about their purposes and values, why vulnerability is a superpower but can’t be “hacked” for social media purposes, and why first impressions matter so much. Plus, much more.

We focus a lot of our conversation on the need for fintech that allows advisors to enhance the participant experience, how advisors can deliver personalized financial wellness and advice to participants in profitably and efficiently, how to bring financial planning to the main street, and how TIFIN Plan empowers these planning-focused conversations with participants rather than just investment-focused discussions.

During our conversation, we focus much of our discussion on the new fiduciary advice exemption, PTE 2020-02 which became effective on February 16, 2021. The new prohibited transaction rules cast a wide net, impacting both qualified plans and IRAs and the compliance requirements are significant. Fred shares his concerns about the confusion he is seeing with regard to the effective compliance dates, the new and expanded requirements that both advisory firms and advisors must adhere here to, how the new rules create conflicts of interest when making rollover recommendations and what must be done to mitigate these issues, and how different types of firms are approaching education vs. specific advice on the different rollover options as well as how they are dealing with the new disclosure requirements. 

Towards the end of the show, we also discuss the recent (and controversial) sub-regulatory guidance by the DOL on cryptocurrencies, why this guidance was so much different and explicit than the norm, practical considerations for firms and advisors when advising on crypto for plan sponsors, and how the guidance on crypto and private equity are closely aligned.

Listen in to learn why they both decided to get involved in social media marketing, their goals and objectives, and the audiences they’re trying to reach. You'll learn how to build a personal brand, where they get their ideas, and the tools they use to make their jobs easier. Social media is a strong tool for growing any business, so if you’re searching for a way to up-level your marketing, this is the episode for you.

Listen in as Jason explains why he believes his openness to creativity at OneDigital has allowed him to stay focused, driven and motivated, as well as what the transition to a more corporate role has entailed for him. You will learn the importance of community engagement, how to manage vendor relationships, and what Jason believes it means to be fearless.

Listen in as he shares a bit about his background running his family’s furniture business and how this led to an opportunity for him to become an advisor with the wealth management firm that had previously served his family. You will learn the importance of documenting your process, the value of setting expectations from the beginning, and how to have more conversations and get more people in the door. 

Listen in as she shares her thoughts on mentors and the critical role they play in the next generation's development. You will learn the benefit of being vulnerable in the workplace (regardless of how hard it is), how Leah has recalibrated her life outlook both personally and professionally, and what men can do to lift women up within their organizations.

Listen in as Troy shares key insights from his latest book, as well as how to optimize plan design by leveraging behavioral finance. You will learn how to cast a vision for plan sponsors so that they can aspire to better outcomes, why Troy has chosen to build a boutique firm that is solely focused on retirement plans (not wealth management), and how you can learn to chase the thing that really gives you purpose. 

Listen in as we discuss the current market for fiduciary liability insurance and how it's changed due to ERISA litigation. You will learn why many carriers are backing away from this market due to fear or lack of understanding, what plan sponsors and their advisors can do to respond, and why it’s more important than ever to work with an insurance partner who specializes in what you require for your business. 

Marko has seen a lot of success in his innovative ways, and he really drives home the importance of learning from your wins, as well as your losses. Listen in to learn why working together with your team and learning from others in the industry is an essential part of the path to success. If you are searching for entrepreneurial and innovative inspiration within the retirement planning space, this episode is for you.

Listen in as Stuart shares the difference between retiree spenders versus savers, as well as the behavioral tendencies of each group. You will learn what brings people the most satisfaction in retirement, the tools T. Rowe Price has created for advisors to be in a better position to understand where an individual is in the range from spending to saving, and more.

Listen in as he explains his strategy of being an "internal retirement wholesaler" to the P&C teams and how this has supercharged his team's growth. You will learn how he uses stories to communicate financial jargon in a way that clients can understand, why he never uses the word “fee", and why his firm has avoided getting into wealth management.

Listen in as Holly shares what it was like being emancipated from her family in her teenage years and the financial wellness program she has designed and launched for her firm. You'll hear about the lessons she learned from deploying a comprehensive wellness solution, her experience with financial wellness specifically as it relates to women, and where she thinks the future of financial advice is going. 

Listen in as we talk about the financial wellness offering Alex and his team created, as well as the battle for employee advice and who is in the best position to deliver it. You will hear advice for general practice management, how to segment clients based on size and scope, and Alex's strategic priorities for his team and clients.

Listen in as we talk about the importance of sticking with what you know as a service provider, as well as how accepting responsibility is one of the most important things service providers can do for their client relationships. You will learn why plan sponsors need to read their contracts when hiring service providers, why Ary decided to launch That 401(k) Conference, and more.

Listen in as Jania explains why she chose to leave a very successful career on the recordkeeping side of the business to become an advisor, how she has seen change in the role of advisors over the previous decade and her prediction that the advisor of the future will need to become an "engagement expert". You will learn about her passion for financial wellness and her motivation and process for finding a M&A partner. Lastly, she shares her mission to help American workers feel less stressed and be happier with their lives—a mission most of us can get behind!

Listen in as the origins of resources investment advisors as part of the Bukaty Companies and how they got into the aggregator business. You will learn about the M&A tear he and the OneDigital team have been on over the past 12 to 18 months, the importance of partnering with the right record keepers, and how managed accounts are enhancing the overall retirement experience for employees.

Listen in as we cover how approaches to ESG impact the long-term strategies of publicly traded companies and the ERISA implications based on DOL guidance. You will learn the importance of conducting due diligence as a plan advisor, as well as what that may entail. We also go over the approach that Dimensional takes to design and implement ESG strategies.  

Listen in as we talk about the likelihood that federal student loan forbearance will be further extended and the impact of the Secure Act 2.0 on retirement. You will learn about the solutions they have created at GradFin to help students deal with refinancing and how they work with financial advisors. 

Listen in as she shares the origins of her company and her large team of personal financial coaches, who are all CFPs with a minimum of ten years of experience. You will learn about their financial wellness “think tank,” which provides in-depth research and resources about everything happening in the financial wellness movement, and their new tech platform, Artificial Intelligence Motivating Employees Everywhere (AIMEE).

 
In this episode, he discusses the economics of taking on 401(k) and 403(b) cases, as well as the past, present and future of retirement plan litigation.  Listen in as we talk in depth about emerging litigation areas like data as a plan asset and the potential risks of cross-selling additional services to participants. You will also hear his thoughts on how litigation will become increasingly more complex over time, whether litigation will continue to come down market and his best advice for ERISA fiduciaries.  

In this episode, we discuss the current ERISA litigation environment and what this means for the future. Listen in to learn about the potential impact of a financial transactions tax and student loan debt, as well as the possibility of capping deductibility of retirement contributions for high earners and more. 

Listen in as we talk about how Ross has dealt with adversity in his own life and how advisors can coach their clients through major life transitions. You will learn why he re-branded his flagship conference from Excel 401(k) to Wealth@wor(k) and how to prepare your clients for retirement, even with the knowledge that things may change. 

On today's episode, Ray and I discuss his background as a venture capitalist and fintech in the ERISA space. We also take a deep dive into Benetic, how the platform works, the revenue model, how data and privacy is handled, as well as much more.

In this episode, Matt shares how his experience with his father’s retirement laid the groundwork for his passion to bring guaranteed income to all Americans. Listen in as he shares how he is working to do that through his role at Income America, what it means to be a fiduciary, and what Matt sees as the future of fiduciary in the financial services industry.

Today he joins the show to discuss how the election results and control of Congress by the Democrats may impact the retirement industry and some of the key elements of the Secure Act 2.0 that was introduced in October with strong bipartisan support. Listen in to hear what’s happening in the space of MEPs and PEPs. David will also shed light on the litigation environment that has been coming to the forefront lately and the future showdown brewing between advisors and recordkeepers for the future of financial wellness. 

In this episode, she shares insights about retiree spending behavior patterns, sequence of return risk, the impact of healthcare costs on retirement income and spending, and the role of guaranteed income for plan participants and retirees.  You'll also learn how plan sponsors and advisors can redesign the participant experience to incorporate retirement income tiers that meet the evolving needs of participants who choose to stay in-plan, post-retirement.

Listen in as we discuss emerging trends facing retirement advisors like improving and aligning communication with plan sponsor clients, the growing trends towards delegated investment solutions like OCIO and 3(38) engagements, expanded participant solutions such as financial wellness, student debt, and HSA offerings, and a framework for advisors and plan sponsors to evaluate longevity risk and architect tiered retirement income solutions.

Listen in as Eugeny shares how the idea for EvoShare was sparked by a billboard, how the company overcame the challenges they faced due to ERISA, and how EvoShare creates a unique alignment between spending and saving. You’ll learn how there is a growing demand for EvoShare in the wealth management space and what Eugeny believes will happen if the 401(k) industry doesn’t start to embrace new technologies.

With over 25 years of communications experience in the retirement industry, Diane has a wealth of knowledge she shares in this episode that will no doubt make you a smarter ERISA fiduciary. She’ll be dishing out key insights from American Century Investments' latest survey, discussing how we should be reframing expectations for people in their retirement years, and sharing her experience being a named defendant in an ERISA 401k fee lawsuit that was ultimately dismissed due to meticulous preparation and fiduciary process.

In this episode, Jen shares the importance of effective employee benefits communications, how to leverage behavioral science to make communication easier and more impactful, and how HR leaders can design benefits programs that better meet the needs of their employees. You’ll hear her best advice for navigating through information overload to ensure that the messaging cuts through the noise, as well as what she sees as the future of benefits programs after the pandemic is over.

Listen in as Aaron and I discuss how the global pandemic has launched us into a "risk-first" decade, why financial advisors without a risk alignment tool in 2020 are like advisors without computers in 2000, and why using a quantitative approach to risk assessment is superior to a qualitative one. You’ll hear how the Risk Number® can help financial advisors harness investor behavior rather than change it, and his single best piece of advice for making ERISA fiduciaries smarter by getting participants fully bought into their investments.  You'll also hear his personal story about international adoption, and what led him and his wife to co-found Hope Takes Root.

We also discuss how COVID-19 has impacted plan sponsors and participants as well as our own businesses. And we discuss the M&A landscape and what CAPTRUST has learned by doing more than 40 acquisitions over the years, and their plans for using the recent investment from a private equity firm, which is the first time they've ever taken outside capital. And we cover how they think about developing talent and making people successful. 

Listen in as we talk about how and why employers should care about helping their employees improve their financial health, as well as why the 401(k) industry might be the best mechanism to deliver financial planning to the masses. Michael has influenced me a lot over the 15 years I have known him, and he has tons of knowledge about the industry, so don't miss the incredibly helpful insights on financial wellness and retirement he shares in this episode!