Trust the Plan Podcast with Nick Hopwood, CFP® and Jim Pilat, CFP®

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Monday Nov 20, 2023

EP 203: Mint Shutdown: What Should Mint Users Do Now?

Monday Nov 20, 2023

In this episode, Nick Hopwood, CFP® and Jim Pilat, CFP® discuss the upcoming shutdown of the budgeting app, Mint. As of January 1, 2024, Mint is leaving its users without a tool they've relied on for budgeting and financial management. Fear not! We've got the perfect solution for our listeners - Peak's Expense & Net Worth Tracking spreadsheet. This free and user-friendly tool allows you to effortlessly track your expenses, categorize them, and visualize your net worth. Join us in this episode as we talk more about the Mint shutdown and recommend our Peak alternative to help you have peace of mind when it comes to your finances. Hit that play button and let's get started!

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Monday Nov 13, 2023

EP 202: What is a Money Date? & How Can It Help Your Financial Future?

Monday Nov 13, 2023

In this episode, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management talk about the benefits of a money date — and the impact it can have on your financial future.

A money date is a way for you and your significant other to come together and talk about money and the things that matter most in a way that makes you comfortable and makes finances more understandable. It’s a scheduled conversation—a date—around your money, as well as your goals, your values, your priorities, and what you want to accomplish in life. It’s important to schedule the time so that you can both prepare and not get overwhelmed.

Money is power. Money gives you choices. It gives you options. And it helps you to reach your goals. You don’t want to give away your power. You don’t want to give away your options. And you don’t want to give away your control. By getting on the same page as your significant other, you’re leveling the playing field, getting a seat at the table, and having a voice in what your financial picture looks like.

Listen to this episode to learn more about how to get the conversation started.

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Monday Nov 06, 2023

EP 201: Top 5 Careers of Millionaires (Results will SHOCK you!)

Monday Nov 06, 2023

Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management talk about the top 5 careers of millionaires, according to the largest survey EVER conducted on 10,000 U.S. millionaires— and the results will shock you! You’ll learn that building wealth has almost NOTHING to do with your income or your background! It doesn’t matter where you come from. It matters where you’re going.

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Monday Oct 30, 2023

EP 200: Exploring the Impact of the Israel-Palestine Conflict on the US Deficit

Monday Oct 30, 2023

In episode 200 of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management delve into the ongoing conflict in Israel and its impact on the United States deficit. With tensions high between Israel and Palestine, the United States has continued to provide financial assistance to Israel, which has resulted in an increase in the U.S. deficit.

As the conflict continues to escalate, Nick and Jim provide a thoughtful perspective on the complexities of the situation and the potential consequences for both the United States and the region as a whole.

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Monday Oct 23, 2023

EP 199: Tackling the Cost of College: A Guide to Saving for Higher Education

Monday Oct 23, 2023

In this episode, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management will discuss the best practices, strategies, and options available for financing higher education. With college costs skyrocketing, finding the right funding options can be challenging for students and parents alike. Luckily, there are several avenues for financing college education, from savings accounts and loans to grants, scholarships, and work-study programs.

At the end of this podcast, you'll have a better understanding of college funding options, how to maximize your money, and make informed choices when it comes to higher education. So, join us, and let's get started on our journey to financing college education!

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Monday Oct 16, 2023

EP 198: Managing Client Expectations: The Secret to Successful CFP-Client Relationships

Monday Oct 16, 2023

In this episode, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management delve into the crucial topic of managing client expectations as a Certified Financial Planner (CFP) and how it sets the foundation for a successful and fulfilling relationship. We explore the pivotal role communication plays in understanding and aligning with clients' financial goals, aspirations, and risk tolerance. By effectively managing expectations, CFPs can create a personalized financial plan that not only meets their clients' needs but also exceeds them.

Additionally, we explore the long-term benefits of managing expectations, such as building trust, fostering loyalty, and ultimately nurturing mutually satisfying relationships.

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Monday Oct 09, 2023

EP 197: The Cost of Risk: Why Some Homeowners Refuse to Buy Insurance

Monday Oct 09, 2023

In today's episode, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management discuss the two main reasons why more people are choosing to skip home insurance, as outlined in a recent Wall Street Journal article.

We'll be taking a closer look at the financial and psychological factors that influence this decision, including the rising cost of premiums and the optimism bias that can lead people to underestimate their own risk.

Whether you're a homeowner yourself or simply interested in understanding the risks and rewards of home insurance, this episode is not to be missed.

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Monday Oct 02, 2023

EP 196: Rounding Up At The Register

Monday Oct 02, 2023

Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management talk about businesses that ask you to "round up" for donations. This tactic has become increasingly popular among businesses, including supermarkets, gas stations, and restaurants. Essentially, when you make a purchase, the business will give you the option to "round up" to the nearest dollar or another amount, with the difference going towards a charitable cause. While this may seem like a simple way to give back, some people are skeptical of the practice and question whether businesses are using this as a way to boost their own public image and profits.

We will be discussing the pros and cons of "round up" donations, whether they actually make a difference, and the ethical considerations businesses should take into account when implementing these programs.

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Monday Sep 25, 2023

Don’t Retire...Graduate! feat. Eric Brotman, CFP®

Monday Sep 25, 2023

In this episode, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management had the pleasure of speaking with Financial Advisor, Eric Brotman. Eric has been working in the financial industry for over 25 years and has a wealth of knowledge to share. Along with being a CFP® living in Maryland, Eric also is an author & host of the Don't Retire...Graduate! Podcast. Tune in now to hear from one of the top financial advisors in the industry.

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