The Money and Meaning Show

moneyandmeaning

Join Jeff Bernier, CFP®, ChFC, CFS each month as he shares insights and real-world strategies to help you gain the confidence and freedom to live a life of personal significance. read less

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Mapping Joy 🗺️ A Conversation on Travel, Career, and Embracing Life with Guest Rachael Levine

Mapping Joy 🗺️ A Conversation on Travel, Career, and Embracing Life with Guest Rachael Levine

Host Jeff Bernier and guest Rachael Levine, partner at Peltoma Capital Partners and creator of "Tripping Millennial," delve into the enriching power of experiences over material wealth. In this episode, you'll discover: Rachel's journey from seeking financial stability to embracing a life filled with travel and personal growth 🌐The impact of an "adult gap year" on personal growth and happiness (Rachael's took her to over 36 countries!) 😊How Rachael says we can experience the world more deeply through sabbaticals, remote work experiences, and long term travel opportunities 🌍 acquiring experiences > acquiring thingsA debate on the F.I.R.E. (Financial Independence Retire Early) movement and the potential pitfalls of the movement 🔥Tips for balancing career, passion projects, and adventure 🌟 ➡️➡️ Click here to view full video! ⬅️⬅️ We'd love to hear your ideas on topics you'd like covered in future episodes! Please feel free to email: moneyandmeaning@tandemgrowth.com. Find out more about Rachael Levine 👇 https://www.peltomacapital.com/team/rachael-levine Tripping Millenial 🗺️ https://www.trippingmillennial.com/ https://www.instagram.com/trippingmillennial/ Interested in knowing more about Jeff? View his latest release here 📖 https://www.jeffbernierauthor.com/ Interested in knowing more about TandemGrowth Financial Advisors? 🪴https://www.tandemgrowth.com/ TandemGrowth Financial Advisors (“TandemGrowth”), a registered investment adviser, is providing this podcast which is intended for general educational purposes and is not personalized investment advice. The information provided is not tailored to any individual's specific investment objectives, financial situation, or risk tolerance. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that TandemGrowth has attained a certain level of skill, training, or ability. While the content that will be presented is believed to be factual and up to date, it is based on information obtained from a variety of sources. TandemGrowth believes this information is reliable, however, it has not necessarily been independently verified. TandemGrowth does not guarantee the complete accuracy of all data in this video, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the presenter as of the date of the webinar and are subject to change. This video does not constitute personalized advice from TandemGrowth or its affiliated investment professionals, or a solicitation to execute specific securities transactions. Participants should not use any of this content as the sole basis for any investment, financial planning, tax, legal or other decisions. TandemGrowth is neither a law firm, nor a certified public accounting firm, and no portion of the video content should be construed as legal or accounting advice. We encourage attendees to conduct independent research and seek advice from qualified professionals before making any investment decisions. The information presented in this video should not be the sole basis for investment decisions. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss, and different investments and types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or investment strategy, including those undertaken or recommended by TandemGrowth, will be profitable or equal any historical performance level. Additional information about our Firm, including its Form ADV Part 2A describing its services, fees, and applicable conflicts of interest and Form CRS is available upon request and at www.tandemgrowth.com.

Episodes

Mapping Joy 🗺️ A Conversation on Travel, Career, and Embracing Life with Guest Rachael Levine

Mapping Joy 🗺️ A Conversation on Travel, Career, and Embracing Life with Guest Rachael Levine

Host Jeff Bernier and guest Rachael Levine, partner at Peltoma Capital Partners and creator of "Tripping Millennial," delve into the enriching power of experiences over material wealth. In this episode, you'll discover: Rachel's journey from seeking financial stability to embracing a life filled with travel and personal growth 🌐The impact of an "adult gap year" on personal growth and happiness (Rachael's took her to over 36 countries!) 😊How Rachael says we can experience the world more deeply through sabbaticals, remote work experiences, and long term travel opportunities 🌍 acquiring experiences > acquiring thingsA debate on the F.I.R.E. (Financial Independence Retire Early) movement and the potential pitfalls of the movement 🔥Tips for balancing career, passion projects, and adventure 🌟 ➡️➡️ Click here to view full video! ⬅️⬅️ We'd love to hear your ideas on topics you'd like covered in future episodes! Please feel free to email: moneyandmeaning@tandemgrowth.com. Find out more about Rachael Levine 👇 https://www.peltomacapital.com/team/rachael-levine Tripping Millenial 🗺️ https://www.trippingmillennial.com/ https://www.instagram.com/trippingmillennial/ Interested in knowing more about Jeff? View his latest release here 📖 https://www.jeffbernierauthor.com/ Interested in knowing more about TandemGrowth Financial Advisors? 🪴https://www.tandemgrowth.com/ TandemGrowth Financial Advisors (“TandemGrowth”), a registered investment adviser, is providing this podcast which is intended for general educational purposes and is not personalized investment advice. The information provided is not tailored to any individual's specific investment objectives, financial situation, or risk tolerance. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that TandemGrowth has attained a certain level of skill, training, or ability. While the content that will be presented is believed to be factual and up to date, it is based on information obtained from a variety of sources. TandemGrowth believes this information is reliable, however, it has not necessarily been independently verified. TandemGrowth does not guarantee the complete accuracy of all data in this video, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the presenter as of the date of the webinar and are subject to change. This video does not constitute personalized advice from TandemGrowth or its affiliated investment professionals, or a solicitation to execute specific securities transactions. Participants should not use any of this content as the sole basis for any investment, financial planning, tax, legal or other decisions. TandemGrowth is neither a law firm, nor a certified public accounting firm, and no portion of the video content should be construed as legal or accounting advice. We encourage attendees to conduct independent research and seek advice from qualified professionals before making any investment decisions. The information presented in this video should not be the sole basis for investment decisions. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss, and different investments and types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or investment strategy, including those undertaken or recommended by TandemGrowth, will be profitable or equal any historical performance level. Additional information about our Firm, including its Form ADV Part 2A describing its services, fees, and applicable conflicts of interest and Form CRS is available upon request and at www.tandemgrowth.com.

Love, Trust, and Money 💑 Strategies for Financial Harmony with guests Doug and Heather Boneparth

Love, Trust, and Money 💑 Strategies for Financial Harmony with guests Doug and Heather Boneparth

Host Jeff Bernier welcomes guests Doug and Heather Boneparth to this episode! Doug and Heather delve into the key elements of fostering a healthy financial relationship between partners: 🤝 Connection: Start by initiating conversations about your money beliefs and behaviors, using resources like therapist-guided questionnaires to guide the discussion. 🗣️ Communication: Schedule dedicated times for distraction-free discussions, ensuring both partners have the space to express their thoughts and feelings about finances without interruptions. ➕ Contribution: Recognize and honor each other's contributions to the relationship, going beyond financial aspects to include personal contributions and household responsibilities. 🛠️ Collaboration: Establish transparency by understanding where money is coming from and going, utilizing tools like net worth tables and budgeting spreadsheets to facilitate productive conversations about financial decisions. ⏰ Consistency: Commit to regular check-ins, ideally on a quarterly basis, to review changes in net worth, spending habits, and overall financial goals, fostering long-term financial health and relationship strength. ----more----Check out Doug and Heather's book 📙 https://bonefidewealth.com/millennial-money-fix/ Check out Jeff's book 📗 https://www.jeffbernierauthor.com/ ----more---- Interested in knowing more about TandemGrowth Financial Advisors? 🪴https://www.tandemgrowth.com/

Investment Insights 🗣️ A Conversation with Ben Felix, Co-Host the Rational Reminder Podcast

Investment Insights 🗣️ A Conversation with Ben Felix, Co-Host the Rational Reminder Podcast

Join host Jeff Bernier, President of TandemGrowth Financial Advisors, and guest Ben Felix, Portfolio Manager and Head of Research at PWL Capital, for an enlightening episode of The Money & Meaning Show. Ben Felix shares insights from renowned experts in academia and the financial industry, shedding light on the consensus that owning the market portfolio through low-cost index funds is an excellent starting point for most investors. The conversation also explores the nuances of differentiating from the market—a point of contention among experts. Furthermore, they discuss Professor Scott Cederberg whose research focuses on the long-horizon performance of a range of asset classes and investment types and what the implications may be for retail investors, challenging conventional wisdom that stocks always outperform in the long run and advocating for global diversification. Ben Felix shares insights from interviews with retirement experts, highlighting the importance of embracing uncertainty as investors. Jeff and Ben highlight the role of financial advisors in helping clients navigate uncertainty, creating portfolios aligned with their goals, and providing reassurance during market downturns. The discussion underscores that the art of financial planning and advisory services and how it complements the scientific analysis of asset allocation, as clients' trust and the ability to stick with a chosen strategy are crucial factors in long-term success. #Investing #EvidenceBasedInvesting #LongTermInvesting

The Year-End Positive Focus: Finding Optimism Amidst Challenges

The Year-End Positive Focus: Finding Optimism Amidst Challenges

In this special year-end episode of The Money & Meaning Show, host Jeff Bernier delves into the theme of positivity and optimism. Despite the challenges and negativity that often dominate the headlines and social media, Jeff presents a data-driven perspective on the progress humanity has made in various aspects of life. Drawing from historical and contemporary data, he shares insights on economic growth, poverty reduction, increased life expectancy, and more. Jeff encourages listeners to adopt a rational optimism mindset and reflects on how focusing on the positive can inspire personal growth and a sense of purpose. This episode serves as a refreshing reminder to appreciate the progress we've made and look forward to the opportunities that lie ahead in 2024.

Year-End Tune-Up 🔧 Financial Checklist Ideas for Different Life Stages with guest Mona Fahmy

Year-End Tune-Up 🔧 Financial Checklist Ideas for Different Life Stages with guest Mona Fahmy

Join host Jeff Bernier and special guest Wealth Advisor Mona Fahmy as they dive into the world of year-end financial planning and what it may entail at different life stages. Whether you're still advancing your career and focused on building wealth or navigating retirement, this episode is packed with insights regarding items you might consider for an end of year financial checklist. Learn more about items to review at year end related to open enrollment, tax efficiency, healthcare, charitable giving, cash flow, portfolio management, estate planning, and more! 🎧 Listen to the episode on your favorite podcast provider or download the episode by clicking here.. 📽️ Watch the full episode on YouTube by clicking here. TandemGrowth Financial Advisors (“TandemGrowth”), a registered investment adviser, is providing this podcast which is intended for general educational purposes and is not personalized investment advice. #financialplanningchecklist #financialreview

Navigating the Wealth Management Landscape with Matt Reiner: From Family Business Dynamics to AI and Creative Space

Navigating the Wealth Management Landscape with Matt Reiner: From Family Business Dynamics to AI and Creative Space

Host Jeff Bernier welcomes special guest Matt Reiner to explore a wide range of topics that are at the forefront of the financial advisory world: The curse of knowledge: Learn why it's crucial for leaders and growing entrepreneurs to balance their experience with a willingness to adapt and allow new ideas to flourish within their organizations.Unique challenges of family businesses: Matt shares his personal experiences and lessons learned from working in a family business. Finding a financial advisor: Learn how to trust your instincts and build a relationship that's based on trust, comfort, and authenticity. The authentic culture of a firm will ooze from its employees.Are financial advisors at risk of being replaced by AI? Jeff and Matt discuss how AI is transforming the industry and why the human touch remains invaluable. They explore the evolving value proposition of financial advisors and how AI can ultimately benefit clients.Creating space for creativity: Being purposeful with time and allowing oneself to become bored can be helpful for fostering creativity. Matt encourages maintaining a constant level of curiosity and looking beyond one's immediate field of expertise to gain new perspectives and ideas. Matt Reiner is a CFA® Charterholder, CERTIFIED FINANCIAL PLANNER™, and partner at Capital Investment Advisors, a RIA in Atlanta, Georgia. Additionally, Matt is the managing partner of Wela Strategies, a RIA that deals with the investment needs of the mass affluent. Jeff Bernier is a CERTIFIED FINANCIAL PLANNER™, Certified Fund Specialist, Chartered Financial Consultant, and President of TandemGrowth Financial Advisors, LLC a RIA in Alpharetta, GA. He has been providing personalized financial advice to individuals and families since 1986. Jeff is the author of The Money & Meaning Journey: A guide to clarity, financial confidence, and joy.

A Deep Dive into Investing: From Human Capital to AI with Wes Crill of Dimensional Fund Advisors

A Deep Dive into Investing: From Human Capital to AI with Wes Crill of Dimensional Fund Advisors

Host Jeff Bernier, CFP®, ChFC, CFS welcomes guest Wes Crill, Senior Investment Director and Vice President, Dimensional Fund Advisors, to The Money & Meaning Show podcast! In this episode, Wes and Jeff dive deep into the world of investments! They cover a wide range of topics, including: 💰👩‍⚕️Understanding the difference between financial capital and human capital and how their impact and risk profile change throughout our lives 🌟 Exploring the fundamentals of factor investing, the characteristics associated with higher expected returns, and how to determine how far to tilt 🪙 Delving into the world of fixed income, its relevance when cash is yielding nearly 5%, and discussing strategies to manage different types of risks with it 🤖 Wes's intriguing perspective on Artificial Intelligence and its potential impact (or lack thereof) on capital markets and investment strategies. #MoneyAndMeaning #InvestmentInsights #FactorInvesting #ArtificialIntelligence #FinancialIntelligence Dimensional Fund Advisors, founded in 1981, has a long history of applying academic research to practical investing. They offer a full range of equity and fixed income strategies designed to target higher expected returns. Learn more by clicking here. TandemGrowth Financial Advisors, founded in 2003, offers you a big advantage: an on-call financial advisor who will get to know you and collaborate with you. TandemGrowth believes the high value they place on client relationships sets them apart from other investment advisors. Together, you and TandemGrowth can create a customized financial strategy and they'll be there to help navigate all of life’s financial choices. Learn more by clicking here.

Embracing an Investment Philosophy: Guiding Your Journey with Rationality and Resilience

Embracing an Investment Philosophy: Guiding Your Journey with Rationality and Resilience

In today's episode, President and Wealth Advisor Jeff Bernier, CFP®, ChFC, CFS delves into the world of investing and explores how a well-defined investment philosophy can be your guiding light through market turmoil and triumphs. 📈 From the Great Financial Crisis to the dominance of AI-driven stocks, we journey through changing financial landscapes over our investing lifetime. Uncovering the power of a solid investment strategy may help long-term investors stay the course. 🌐 Jeff discusses the importance of understanding who you are and what you believe, and how these factors shape your investment choices. Take inventory of your resources – both financial and non-financial – and craft a strategic plan that enables you to stick to it even in challenging times. 🔑 Learn broad principles for long-term investing: thinking beyond the now, diversifying wisely, and keeping costs low while tax efficiency remains high. Discover how managing behavior and expectations can be pivotal in your investment journey, as we decode the happiness equation: reality - expectations. 🌍 Owning the world’s great businesses has proven to be an effective wealth-building strategy. We explore how the last 50 years have seen remarkable growth, with US stocks increasing about 32 times, driven by factors such as population growth and innovation. 🛤️ Join Jeff as he outlines key principles to implementing a long-term investment portfolio, backed by evidence-based research. He'll also dive into the importance of diversification across asset classes and the recognition that the future might not always mirror the past. 🎯 The ultimate goal? Helping you build and preserve wealth over time, by staying true to your investment philosophy. Tune in to this episode to gain valuable insights and strategies that may empower you to weather market fluctuations and build a prosperous financial future. https://www.tandemgrowth.com/resources/money-meaning-show #InvestmentPhilosophy #StayTheCourse #RationalInvesting

From the Navy to Consultancy: Navigating Meaning and Success in your Second Act with guest Bruce Johnsen

From the Navy to Consultancy: Navigating Meaning and Success in your Second Act with guest Bruce Johnsen

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS welcomes special guest Bruce Johnsen, a former US Navy line officer, Vietnam veteran, and current management consultant to share his inspiring journey from the Navy to consultancy. Bruce reflects on his early days in the Navy and struggles he faced when retiring at the early age of 45. Bruce shares some interesting stories from many years of international work and goes on to offer the life lessons he has learned so far at 85 years young. Jeff and Bruce delve into an insightful discussion on Mitch Anthony's concept "work" and how the role and reason for work evolves through one's lifetime.

Unlocking the Wisdom of the Dying: 8 Regrets of the Dying and 5 Keys to Living and Dying Regret-Free with Dr. Allen Hunt

Unlocking the Wisdom of the Dying: 8 Regrets of the Dying and 5 Keys to Living and Dying Regret-Free with Dr. Allen Hunt

Join host Jeff Bernier in a profound exploration alongside best-selling author Dr. Allen Hunt as they delve into the concept of living a life without regrets. Can it truly be accomplished? Drawing upon his moniker as the renowned "Fourth Quarter Guy" and a wealth of extensive research on aging, dying, and regrets, Dr. Hunt delves into the 8 common regrets that haunt the dying. From these findings, he unearths 5 fundamental keys that pave the way towards living and departing without regrets. No matter what quarter of life you are in, prepare to be inspired as they share invaluable insights on how you can incorporate these keys into your life and financial plan!

Build A Portfolio That Assumes the Market is ”Right” with guest PWL Capital’s Cameron Passmore

Build A Portfolio That Assumes the Market is ”Right” with guest PWL Capital’s Cameron Passmore

In the episode, host Jeff Bernier welcomes guest Cameron Passmore, CIM®, FMA, FCSI, Executive Chairman and Portfolio Manager at PWL Capital in Canada. Cameron shares his firm's strong belief in evidence-based investing and why they believe so strongly in the philosophy. Jeff and Cameron discuss the importance of an advisor's role in going deep with clients who often aren't thinking broadly enough or deeply enough when it comes to formulating goals. The episode concludes with the topic of portfolio construction - why it's crucial to know your definition of risk, the importance of a plan and sticking with it, and what the industry loves to sell you but Cameron believes isn't needed. Check out PWL's white paper on non-financial considerations they've deemed worthy of consideration in financial decisions ✨ Finding and Funding a Good Life 📖 Find Jeff's latest release, The Money & Meaning Journey, which covers many of the same topics discussed in this podcast in more depth here.

Maximizing Social Security Benefits: Special guest Alicia Lipscomb shares her expertise to help navigate the program

Maximizing Social Security Benefits: Special guest Alicia Lipscomb shares her expertise to help navigate the program

Navigating Social Security can be tricky and confusing. That's why we invited special guest Alicia Lipscomb to The Money & Meaning Show to share her expertise on maximizing Social Security benefits. Alicia has been with the Social Security Administrator for over 22 years, and she will help you understand the ins-and-outs of Social Security so that you can make sure you are getting the most out of your benefits. In this podcast, she'll go over strategies to maximize payments, tips for spousal benefits, and much more. Tune in now for all these tips and more!

How to Achieve ”Funded Contentment” in Your Life with guest Brian Portnoy

How to Achieve ”Funded Contentment” in Your Life with guest Brian Portnoy

In today's episode, Jeff welcomes bestselling author and founder of Shaping Wealth Brian Portnoy, Ph.D., CFA to discuss the difference between being "rich" and being "wealthy". Brian is an expert at simplifying the complex world of money. In the episode, Brian touches on a concept from his book The Geometry of Wealth: How to shape a life of money and meaning, that the true meaning of wealth is "funded contentment", the ability to underwrite a meaningful life. As humans, we can get stuck on the hedonic treadmill when no matter what we pursue in life, even when we achieve our goals, we are always left wanting the next thing. Why won't money and stuff alone make you happy? Brian lays out a 3-step iterative process that everyone can follow to help align or calibrate the life you want to live with your balance sheet and portfolio.

How to Create Significance in Your Second Half with guest Dick Gygi, Founding Partner of FUEL

How to Create Significance in Your Second Half with guest Dick Gygi, Founding Partner of FUEL

Are you in the middle or late stages of your career and struggling with "what's next"? In today's episode, host Jeff Bernier, CFP®, ChFC, CFS welcomes special guest Dick Gygi. Dick has an impressive resume having served as a President of a number of consumer products companies for over 40 years, most recently as the President of PlusMark, a subsidiary of American Greetings. But, what's more impressive is all that he has been able to accomplish since retiring in 2001. In the episode, Dick shares life stories that have greatly impacted who he is and led him to create significance in his second half. Dick served as a Master Coach with the Halftime Institute and continues to advise entrepreneurs through FUEL for Good, LLC. He shares some of the advice he gives when coaching mid to late career professionals on how to create meaning in retirement. Interested in learning more on this topic? Check out Jeff Bernier's latest release which looks into both the head and heart decisions involved in transitioning to your second act: jeffbernierauthor.com. Important disclosures: bit.ly/3MbScI5

Why Should I Care About the Medicare Annual Election Period? with Special Guest Chase Carey

Why Should I Care About the Medicare Annual Election Period? with Special Guest Chase Carey

In 2022, during the period between October 15 and December 7, Medicare open enrollment, also known as the annual election period, occurs. The many Medicare options and decisions can often cause confusion among those approaching 65. In today's episode, host Jeff Bernier welcomes Chase Carey, concierge broker with Carey Benefits. Jeff and Chase discuss many of the common questions around Medicare enrollment and coverage. Listen in and check out Chase's free download Busy Executive Guide to Medicare - 2022 which summarizes some of the key points and benefits of Medicare! If you have not already done so, please check out Jeff's new book! The Money & Meaning Journey book Important Disclosures: bit.ly/3MbScI5 bit.ly/3eB9iCS

How Should I Prepare for Open Enrollment? with Special Guests from BIS Benefits

How Should I Prepare for Open Enrollment? with Special Guests from BIS Benefits

Jeff Bernier, CFP®, ChFC, CFS welcomes BIS Benefits, a Georgia company serving businesses for over 24 years to help develop benefit plans, President Ray Bachman and Account Manager John Schmidt. Ray and John share what you should think about as you choose options and choose how to fund them during open enrollment. In addition, they talk about costly mistakes they've seen made and how you can prevent them (reviewing beneficiary designations, long-term disability coverage for high-earners, making sure your doctors are in network).

Are you ready for the ”Big Four” transitions of aging?

Are you ready for the ”Big Four” transitions of aging?

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS is joined by Carolyn McClanahan, M.D., CFP® to discuss a sometimes difficult topic: preparing financially, emotionally, and physically for aging. Carolyn's unique background offers her a different perspective. Carolyn began her career as a physician but later made a career change when she and her husband were unable to find a financial planner to provide them the advice and guidance needed to create a great life. Carolyn and Jeff dive into the big four decisions that need to be made in preparation for aging. The cost of long-term care and insurance, healthcare, and housing can be quite expensive but Carolyn shares some examples of how avoiding these decisions could be even costlier.

”Hey Alexa, is the 60/40 portfolio dead?”

”Hey Alexa, is the 60/40 portfolio dead?”

In today's episode, Jeff discusses a potpourri of topics related to bonds and the current market environment: the role of bonds in portfoliospossibility of higher correlations between stocks and bondsshares views on a currently popular question: Is the 60/40 portfolio dead? With so many articles out there about these topics, Jeff tries to simplify and summarize for listeners and provides his takeaways.

Why is Cyber Crime on the Rise and How Can You Protect Yourself?

Why is Cyber Crime on the Rise and How Can You Protect Yourself?

Host Jeff Bernier, CFP®, ChFC, CFS welcomes guest Steven Ryder, President and Founder of True North Networks, LLC, a firm providing IT Support such as technical help-desk support, computer support, and consulting to small and medium-sized businesses since 2002. In the episode, Steve simplifies some of the terms often heard in the news related to cyber security. He shares specific tips and tricks he recommends and uses himself to better protect yourself and your technology among these rising cyber threats.

What Can You Do to Maintain Perspective Amid Volatile Times?

What Can You Do to Maintain Perspective Amid Volatile Times?

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS focuses on providing perspective during these uneasy times of inflation, rising rates, and volatility. Over a lifetime of investing, it is his belief that investor behavior is the dominant determinant in the long-term success or failure of an investment strategy. Jeff shares his thoughts and other academics' expertise in the episode to guide listeners in how to invest rationally and not emotionally by reiterating the importance of a financial plan. To learn more about TandemGrowth's investment philosophy, visit us here.