Purpose Driven Finances

Can I Retire and When? Managing Market Volatility and Planning Your Retirement Nov 6, 2026 29:50 Key Takeaways Market volatility: A disciplined investment process can help investors evaluate risk rather than react emotionally to market declines.Retirement readiness: Knowing when you can retire requires more than reaching a particular savings balance.Purpose-driven planning: Define the retirement lifestyle you want before calculating how much it will cost.Retirement income: Evaluate Soci

Market Protection + Final Week Of Financial Planning Around Cars With Jason Decker Oct 30, 2026 29:50 Key Takeaways Market volatility requires discipline. One difficult trading day doesn't necessarily signal a bear market, but changing market conditions should not be ignored.Protecting investments matters. A portfolio strategy should address downside risk, not simply focus on growth.Know your vehicle budget. Consider purchase price, financing costs, insurance, and monthly payments before sho

Market Turmoil: How We Are Responding + Car Repair Wisdom With Matt Anderson Oct 23, 2026 29:50 Key Takeaways Preventive maintenance protects your finances. Routine service can help reduce unexpected repair expenses and extend your vehicle's useful life.Tire alignment and rotation can save money. Proper alignment helps prevent premature tire wear, while regular rotation promotes more even wear.Repairing versus replacing requires financial judgment. Consider repair costs, vehicle reliab

Car Buying Advice From a Dealership Owner with Chris Mabry from Mabry Auto Group Oct 16, 2026 29:50 Key Takeaways Protecting retirement investments: Investors should have a defined process for responding to market declines, not just a strategy for growing their portfolios.The changing car market: Chris Mabry of Mabry Auto Group discusses how tariffs, artificial intelligence, autonomous driving, and hybrid vehicles are influencing the automotive industry.Buying a car wisely: Research multip

When Should You Replace Your Car? New vs. Used Vehicles, Repair Costs & the Economy Oct 9, 2026 29:50 Key Takeaways When to replace your vehicle: Mileage alone should not determine when to buy another car. Evaluate safety, reliability, repair trends, downtime, and replacement costs.Repair or replace? A $4,000 repair on an $8,000 vehicle may make financial sense if it provides several more years of reliable transportation.New vs. used vehicles: Compare depreciation, warranties, financing rate

Risk, Process, and the Real Cost of a Car Oct 2, 2026 27:53 Key Takeaways A traditional 60/40 portfolio—60% stocks and 40% bonds—may not always provide the balance of growth and protection investors expect.Bonds carry risks of their own, including interest-rate, inflation, credit, and market risks.Portfolio risk should be considered in relation to what your money needs to accomplish, not simply how much the account fluctuates.A static investment allo

Interest Rates, the AI Boom, and the Real Cost of Owning a Car Sep 25, 2026 27:08 Key Takeaways Interest rates affect more than Wall Street. Federal Reserve decisions can influence borrowing costs, consumer spending, business activity, and investment markets.Economic direction matters more than a single headline. Investors should consider changes in growth, inflation, earnings, and interest rates together rather than reacting to one data point.AI’s financial challenge is

September 11: Remembering, Planning, and What Comes Next Sep 18, 2026 27:27 Key Takeaways Start with purpose. Before deciding how to invest, understand what your money needs to accomplish for your life, family, retirement, and future.Your portfolio should fit you. Investment strategy should reflect your goals, risk tolerance, time horizon, and comfort level—not force every investor into the same model.There is more than one way to invest. Servus Capital Management c

Before the Next Market Drop: Why Buy-and-Hold Isn’t a Plan Sep 11, 2026 27:59 Key Takeaways A portfolio needs a process for declining markets. Buy-and-hold may participate in long-term market growth, but investors should understand what their strategy is designed to do when markets fall sharply.Large losses are difficult to recover from. A 50% portfolio decline requires a 100% gain just to return to the starting value.Dynamic Asset Allocation (DAA) is designed to adju

Planning When Conditions Change: Social Security, Rollovers, and the QPM Framework Sep 4, 2026 29:50 Key Takeaways Plan for Change, Don't Predict: Long-term financial security requires adaptive strategies rather than relying on market forecasts or political promises.Social Security Perspective: Congressional adjustments to retirement programs are inevitable; proactive plans should diversify income sources beyond government benefits.Rollover Diligence: Transferring 401(k) and 403(b) assets r

Income vs. Growth vs. Total Return: What Should Retirees Focus On? Aug 28, 2026 28:15 Key Takeaways Income alone is not the same as investment return. A portfolio can produce an attractive dividend or interest payment while still losing value.High yield does not automatically mean lower risk. Chasing income can introduce concentration, credit, inflation, and principal-loss risks.Total return combines income and growth. Dividends and interest matter, but so do capital apprecia

We Go Anywhere—But Not Just Everywhere Aug 21, 2026 28:16 Key Takeaways Your portfolio should begin with the purpose of your money—not with an investment product or market index.Two people with the same amount of money may need very different portfolios because their goals, income needs, time horizons, taxes, and ability to recover from losses differ.A disciplined investment strategy should have a process for both growing capital and managing risk

When Should You Change Your Portfolio—and When Should You Do Nothing? Aug 14, 2026 28:39 Key Takeaways Not every market warning requires action. Like a dashboard warning light, the significance of a market signal depends on its context, persistence, and potential consequences.Headlines are not investment instructions. A dramatic news event may create short-term volatility without changing the underlying investment environment.Economic conditions provide context. Growth, inflatio

What Are We Watching? Aug 7, 2026 29:45 Key Takeaways Successful portfolio management is not about reacting to every headline. It is about filtering noise and focusing on the evidence that matters.Investors should ask whether new information changes their long-term plan, portfolio risk, or required decisions.A disciplined process helps prevent emotional reactions during volatile markets.Professional portfolio management begins wit

What to Do Before—and After—You Buy an Investment Jul 31, 2026 29:30 Key Takeaways A great company can still be a poor investment if too much future success is already reflected in its price.A falling stock price does not automatically mean an investment is a bargain.Before buying, consider valuation, risk, market conditions, leadership, and the purpose the investment will serve.After buying, continue evaluating whether the investment still deserves the capit

Before You Buy Any Investment: What Is the First Question to Ask? Jul 29, 2026 29:50 Key Takeaways Before asking what investment to buy, determine what the money must accomplish and what could prevent it from fulfilling that purpose.An investment’s first responsibility is not to produce the highest possible return. It is to serve the investor’s financial plan without exposing it to unacceptable damage.Investment losses create uneven recovery math. A 50% decline requires a 10

Is Your Portfolio Ready for the Next Market Turn? Jul 27, 2026 29:50 Key Takeaways A retirement plan should begin with actual income and spending—not assumptions about what retirement “should” cost.A written budget can reduce uncertainty by showing whether your income realistically supports your current lifestyle.Investments commonly described as “safe” can still lose substantial value when interest rates, markets, or financial conditions change.Buy-and-hold

From Revolution to Retirement: America’s Financial Story Jul 30, 2026 29:50 Key Takeaways Americans in 1776 relied on foreign coins, paper currency, tobacco receipts, barter, land, livestock, and other physical assets. fiduciary financial advisor is legally obligated to act in the client’s best interest.Fee-only advice can reduce conflicts because compensation is not tied to selling products or generating transactions.Financial decisions should follow a disciplined

Building Generational Wealth That Lasts Jul 24, 2026 29:50 Key Takeaways Building wealth is only the first step. Families must also prepare future generations to manage, preserve, and use it responsibly.A portfolio needs more than a process for buying investments. It also needs a disciplined plan for protecting capital when markets decline.Hope is not a risk-management strategy. Investment decisions should be guided by a defined process rather than

Ancient Wealth Principles That Still Work Today Jul 24, 2026 29:50 Key Takeaways Lasting wealth is usually built little by little through disciplined work, saving, and consistent decisions.Sudden wealth does not automatically produce financial stability. Without wisdom and restraint, even a large inheritance, settlement, or windfall can disappear.Debt creates an obligation to the lender and can reduce your financial freedom.Wise counsel can help uncover ris

How To Build Wealth: Leaving An Inheritance vs. Leaving A Legacy Jul 8, 2026 29:50 Key Takeaways The Fed’s Philosophical Reset Signals Market Volatility: Under new Chairman Kevin Warsh, the Federal Reserve has abandoned "forward guidance," holding interest rates steady at 3.50% to 3.75% while raising its inflation forecast to 3.6%. This shift introduces near-term market turbulence, requiring local retirees to abandon speculative market guesswork in favor of structured, rul

Beyond the Hype: What Rockets and Ancient Wisdom Teach Us About Wealth Jul 1, 2026 29:50 Key Takeaways Behavior Over Mathematics: True wealth management is a behavioral management process, not a complex modern math problem. Financial products and technology evolve rapidly, but human biology and cognitive biases remain entirely fixed.The Rule of Seven or Eight: Diversification is not a modern Wall Street invention; it is an ancient risk mitigation blueprint. Portfolios are divers

The Gift of Alignment: Finding Your Natural Path to Financial Peace Jun 29, 2026 29:50 Key Takeaways Alignment Precedes Wealth: True financial success and peace of mind rarely come from chasing someone else's definition of success; they begin by identifying whether your personal wiring fits a structured environment or an outcome-driven one.The Fallacy of Comparison: Every path has its own distinct seasonal rewards and structural challenges. Frustration grows when you compare y

Protecting the Living: Reframing Estate Planning with Josh Dalrymple Jul 1, 2026 29:50 Key Takeaways Stewardship Over Complexity: True estate planning is an act of love designed to reduce confusion during life's most difficult seasons, focusing on protecting the living rather than just distributing assets after death.The Essentials of Order: Every adult, regardless of asset size, requires foundational documents to establish order, including a will, healthcare directives, and p

LEFT BEHIND: THE LOGISTICS OF A LIFETIME OF POSSESSIONS Jun 15, 2026 30:00 Aired: May 30, 2026 KEY TAKEAWAYS The Volume Over Value Reality Most families are not overwhelmed by the value of possessions. They are overwhelmed by the volume of a lifetime accumulated under one roof. What appears to be a manageable project can quickly become weeks or months of emotional and physical work. Memories and Markets Are Different Things The possessions that create the most

Grieve or Guess: The Ultimate Gift of Estate Pre-Planning Jun 9, 2026 29:50 Grieve or Guess: The Ultimate Gift of Estate Pre-Planning Aired May 23, 2026 KEY TAKEAWAYS Pre-Planning Is a Gift to the People You Love Funeral pre-planning is not primarily about death—it is about reducing confusion, stress, and difficult decisions during one of the hardest moments a family will ever face.Clarity Reduces Conflict When wishes are documented and communicated in advance,

The Red Folder: Estate Planning Documents Every Family Needs Jun 9, 2026 29:50 The Red Folder: The Documents That Speak for You When You Can't Aired: May 16, 2026 Key Takeaways 1. Estate Planning Matters Most While You're Alive Many people think estate planning begins after death. In reality, some of the most important documents are designed to protect your family during periods of medical or financial incapacity. A crisis is often when families discover what they d

The Estate Planning Standoff: Why She Worries and Why He Waits May 20, 2026 29:50 Aired May 9th, 2026 KEY TAKEAWAYS • Estate planning is ultimately about stewardship, clarity, and reducing chaos for the people you love. • Men and women often approach estate planning differently, but both are usually asking the same question: “Will my family be okay?” • One of the biggest hidden risks is the household “knowledge gap,” where only one spouse knows the accounts, passwords,

Your Retirement Plan: How to maximize your HSA! May 14, 2026 29:50 Air Date: May 2, 2026 | WLNI 105.9 FM KEY TAKEAWAYS The Triple Tax Advantage The Health Savings Account remains one of the most unique financial tools available: contributions may be tax-deductible, growth compounds tax-free, and qualified medical withdrawals remain tax-free. The “Stealth IRA” Strategy Most people use an HSA like a medical checking account. Disciplined investors often ev

Your Retirement Plan: Traditional & Roth IRA Coordination May 13, 2026 29:50 Air Date: April 25, 2026 Most people choose a Traditional IRA or Roth IRA based on a tax deduction, a headline, or a quick internet search. But retirement planning is not about collecting accounts. It is about coordination. In this episode of Purpose Driven Finances, Allan Malina explains how Traditional and Roth IRAs should function together inside a disciplined retirement system focused

Your Retirement Plan: Small Business Structures—SEP, SIMPLE, and the Solo 401(k) May 7, 2026 29:50 Air Date: April 18, 2026 🔑 KEY TAKEAWAYS Participation Is Not Protection With markets near all-time highs and inflation pressure persisting, simply being invested is not a strategy—positioning is. Structure Locks In Flexibility The retirement plan you choose determines your contribution limits, tax options, and adaptability for years to come. Convenience Creates Long-Term Cost Most

Your Retirement Plan: Rollover and Roth Conversion Guidance May 6, 2026 29:50 Air Date: April 11, 2026 KEY TAKEAWAYS A Rollover Is a Structural Decision—Not a Form. Where your money sits determines how it can be positioned, managed, and protected. This is architecture, not administration. The Cost vs. Capability Wedge Matters More Than Fees Alone. Costs may rise after a rollover—but the real question is whether you gain better positioning, better decisions, and be

Your Retirement Plan: ESOP Planning — Opportunity and Risk Apr 28, 2026 29:33 Air Date: April 3, 2026 KEY TAKEAWAYS Regime Awareness Over Autopilot: In an economic season defined by shifting energy demands and AI-driven disruption, a “set-it-and-forget-it” posture is a structural vulnerability. Stewardship requires an investment process that adapts to the current environment.The ESOP Concentration Wedge: Employee ownership at firms like Scott’s Insurance is a powerfu

Your Retirement Plan: Framatome Apr 15, 2026 29:48 KEY TAKEAWAYS · Systems Over Containers: The Framatome 401(k) is not just a place to store money; it is a complex financial system. While contribution rates are the fuel, your allocation architecture is the engine that determines your reach. · The "Optimizer’s Trap": Engineers often fall into the trap of over-optimizing contribution percentages while under-optimizing regime al

Your Retirement Plan: BWXT Mar 27, 2026 29:46 Air Date: March 21, 2026 KEY TAKEAWAYS System Over Product: The BWX Technologies Thrift Plan is a multi-layered architecture—not just a 401(k). True outcomes depend on the coordination of matches, service contributions, and pension interactions.The Vesting "Wedge": BWXT matches 50% of your first 6%, but the three-year vesting schedule means timing and tenure are critical variables in your r

Your Retirement Plan: Centra Health Mar 23, 2026 29:49 Air Date March 14, 2026 KEY TAKEAWAYS The Rules Have Changed: Oil-driven inflation and AI disruption are creating a Quad 3 environment where old “set-it-and-forget-it” strategies are increasingly ineffective.Your Match Just Took a Pay Cut: Centra’s drop from 5% to 3% creates a long-term gap that requires a deliberate adjustment—not passive continuation.A Plan Doesn’t Equal a Strategy: Most

INSIDE YOUR RETIREMENT: LIBERTY UNIVERSITY & THOMAS ROAD BAPTIST CHURCH Mar 13, 2026 29:49 KEY TAKEAWAYS Inflation Re-Acceleration Risk: CPI is forecast to climb from 2.39% toward 2.86%. This isn't runaway inflation, but a re-acceleration risk driven by energy and commodity pressure from Middle East tensions.Labor Market Softening: February saw a loss of 92,000 payrolls. While healthcare strikes distorted the data, genuine weakness is appearing in white-collar sectors (Information

Inside Your Retirement: Lynchburg City Schools & City of Lynchburg Mar 6, 2026 29:49 KEY TAKEAWAYS AI as a Margin Killer: Artificial Intelligence is a deflationary force for software and financial firms. It compresses margins by automating labor and workflows, meaning firms that don't adapt their value proposition will lose pricing power.The End of Generic Advice: If a financial advisor only picks mutual funds and rebalances quarterly, they are being replaced by AI. True val

Inside Your Company Retirement Plan: Getting Advice & the ROTH Option Mar 5, 2026 29:49 KEY TAKEAWAYS The Supreme Court IEEPA Ruling: The Court held that the President lacks unilateral authority to impose tariffs under IEEPA. While legally significant, the market impact is "marginal" compared to the primary drivers of your wealth: inflation, liquidity, and economic regime shifts.Containers vs. Strategies: Your 401(k), 403(b), or 457 is merely a tax-advantaged container. Real st

Your Company Retirement Plan, Picking Investments Feb 25, 2026 29:49 CPI printed at 2.39% — inside our projected 2.37%–2.90% range — confirming inflation is persistent but not re-accelerating. Yet markets sold off. In this episode of Purpose Driven Finances, Allan Malina of Servus Capital Management explains why liquidity and “negative gamma” drove the volatility — and why the shift from Quad 2 to Quad 3 should influence how you structure your 401(k) or 403(b)

How to Maximize Your Company Retirement Plan Feb 25, 2026 29:51 Is your 401(k) a strategy or just a container? Allan Malina breaks down the 2026 volatility in silver and software before explaining how to move from passive participation to disciplined stewardship of your largest financial asset. KEY TAKEAWAYS Volatility Is Often Technical, Not Fundamental: Recent weakness in silver and software stocks reflects forced deleveraging and AI-fear repricing—no

NEW FED CHAIR NOMINATION: THE PERSON, THE POLICY, AND WHAT MARKETS ACTUALLY HEAR Feb 8, 2026 29:49 NEW FED CHAIR NOMINATION: THE PERSON, THE POLICY, AND WHAT MARKETS ACTUALLY HEAR Aired January 31, 2026 Leadership at the Federal Reserve is entering a new season. With the nomination of Kevin Warsh to succeed Jerome Powell, markets are beginning to recalibrate—not based on politics, but on what this change signals about credibility, discipline, and the future posture of monetary policy.

FROM MARKETS TO MEMORIES: PLANNING VACATIONS THE SMART WAY Feb 8, 2026 29:50 From Markets to Memories: Planning Vacations the Smart Way Purpose Driven Finances | Aired January 24, 2026 Process Over Prediction: Utilizing the Quantitative Portfolio Model (QPM) allows for disciplined navigation of market pullbacks, focusing on data rather than the alarmist headlines of the day.The Necessity of Financial Margin: Anticipating legislative shifts—such as Virginia’s rising

Planning the Moments That Shape Your Life Jan 22, 2026 29:50 First aired on 1/17/2026 Inflation: Direction Over Headlines — Inflation continues to cool (≈2.7%), moving closer to long-term expectations. In a world of noise, disciplined monitoring remains superior to reactionary shifts.AI as a Tool, Not an Oracle — AI excels at accelerating understanding and organizing data, but it cannot replace human judgment or the responsibility of stewardship in hi

WHY BIG MOMENTS DESERVE BETTER PLANNING Jan 12, 2026 29:49 Why Rushed Life Decisions—Not Markets—Are Your Biggest Financial Risk Is your "New Year, New Me" energy leading to long-term financial stress? In this episode of Purpose Driven Finances, Allan Malina breaks down why the first two months of the year are the most dangerous for your bank account—and how to shift from urgent spending to intentional planning. 🔑 Key Takeaways: The Cost of Urgency

PREPARING FOR 2026 — WITHOUT PREDICTIONS Jan 8, 2026 29:48 Economic Setup: Why "Quad 1" signals a shift toward growth and innovation.Resilience over Predictions: How to stay flexible when market forecasts fail.The "Why" of Money: Aligning your 2026 strategy with family and freedom. "Prepare for 2026 without market predictions. Allan Malina discusses regime-based investing, Quad 1 setups, and purpose-driven financial planning in Forest, VA." Episode

What Actually Mattered in 2025 — And What Didn’t Jan 8, 2026 29:50 Signal vs. Noise: Why 2025's recession headlines and inflation panic failed to derail the markets.Regime Shift Lessons: How understanding the "Quad" sequence (4,3,2,1) provided the real roadmap for 2025.The Year-End Clean-up: The critical difference between portfolio rebalancing and true "behavioral resets."Accountability: Why "what we got wrong" is the most important question an advisor can

PURPOSE-DRIVEN GIVING — BLUE RIDGE PREGNANCY OF LYNCHBURG VA Dec 23, 2025 29:50 Air Date: December 20, 2025 Episode: Purpose-Driven Giving — Blue Ridge Pregnancy Center of Lynchburg, VA This episode connects market clarity with community impact. Allan begins with a portfolio and market update, then shifts the focus to purpose-driven giving, highlighting how local organizations strengthen families and provide stability during critical life moments. 📈 Segment One — Por

PURPOSE-DRIVEN GIVING — FIVE18 OF LYNCHBURG, VA Dec 15, 2025 30:01 📌 PURPOSE-DRIVEN GIVING — FIVE18 OF LYNCHBURG, VA Air Date: December 13, 2025 Episode: Purpose-Driven Giving — Five18 of Lynchburg, VA This episode brings together markets, purpose, and community impact. Allan begins with a December market and portfolio update as the economy transitions into a more growth-friendly environment, then shifts the conversation to purpose-driven giving, spotligh

Markets, Purpose & Year-End Decisions Dec 12, 2025 29:47 📌 PURPOSE DRIVEN FINANCES — Air Date: December 6, 2025 Episode: When Plans Change — Markets, Purpose & Year-End Decisions When a scheduled guest couldn’t make the show, Allan shifted into an unscripted, practical conversation about markets, families, and end-of-year financial clarity. This episode blends real-world investing insight with purpose-driven reflections every family can us

Proactive Tax Planning: For Families Dec 3, 2025 29:49 Key Takeaways Proactive tax planning is not just about filing taxes — it is about coordinating investments, retirement accounts, charitable giving, and deductions throughout the year to improve long-term outcomes. Many families overlook valuable tax strategies such as HSAs, Roth IRAs for working children, tax-loss harvesting, QCDs, and deduction bunching, even though these tools can potentia

Proactive Tax Planning: Small Business Nov 26, 2025 29:50 Air Date: November 22, 2025 Episode: Proactive Tax Planning: Small Business This week, Allan helps small business owners cut through complexity and make confident tax decisions. With markets shifting into late-year defensive quads and rate uncertainty rising, proactive planning becomes an essential part of protecting cash flow and positioning your business for the new year. 📈 Segment One —

Quad 1 Investing Strategy and Virginia Energy Policy: Financial Planning for 2026 Nov 17, 2025 29:50 Explore how the U.S. economy is transitioning from Quad 4 to Quad 1 — and what new Virginia vehicle, energy, and emissions policies mean for families, investors, and business owners. Allan Malina connects macroeconomic conditions with real-world financial decisions in this forward-looking episode. 📅 Aired November 15, 2025 In this week’s Purpose Driven Finances, Allan Malina breaks down the

Virginia Election 2025: Financial Impact on Taxes, Wages and Investments Nov 12, 2025 29:49 Virginia Election 2025: Financial Impact on Taxes, Wages & Investments Analyze the financial impact of the 2025 Virginia Election with Allan Malina. Learn how new VA policy shifts will affect your taxes, minimum wage, healthcare costs, and investments, viewed through the lens of the Fourth Turning economic cycle. 📅 Aired November 8, 2025 In this post-election episode of Purpose Driven

What’s My Number? — Estate Planning Edition Nov 5, 2025 29:50 ⚖️ What’s My Number? — Estate Planning Edition 📅 Aired November 1, 2025 In this week’s Purpose Driven Finances, Allan tackles political gridlock, shifting market sentiment, and the power of planning ahead — in both portfolios and legacies. Segment One — Market & Portfolio Management: Political Gridlock and Market Jitters Washington’s shutdown threat and debate over SNAP benefits rippl

What’s My Number? — Education Planning Edition Oct 28, 2025 29:49 🎓 What’s My Number? — Education Planning Edition 📅 Aired October 25, 2025 In this week’s Purpose Driven Finances, Allan connects the markets, the metals, and your family’s future — showing how economic shifts and personal planning go hand in hand. Segment One — Market & Portfolio Management: Inflation, Quad Shift & Precious Metals The latest CPI report shows inflation easing faste

What’s My Number? Health, Disability and LTC Insurance Oct 20, 2025 29:50 💰 What’s My Number? — Health, Disability & Long-Term Care Insurance Description: 📅 Aired October 18, 2025 In this week’s Purpose Driven Finances, Allan connects the market headlines to real-world planning — showing how protecting your health and income is just as vital as growing your investments. Segment One — The Headlines: Bankruptcy, Gold, & The Quad Advantage Two notable ban

What's My Number? Homeowners and Auto Insurance Edition Oct 13, 2025 29:49 Purpose Driven Finances – October 11, 2025 What’s My Number? — Homeowners & Auto Insurance Segment 1: The Headlines — Trump, China & Credit Risk Allan opened this week’s show with a look at two key headlines shaping the markets: renewed trade tensions between the Trump administration and China over rare earth materials, and renewed talk of credit risk creeping into the economy. A.

What's My Number? Life Insurance Edition Oct 13, 2025 29:49 Purpose Driven Finances – October 4, 2025 What’s My Number? — Life Insurance Segment 1: Credit Risk & Being Purpose Driven Allan began this week’s show by connecting two powerful themes — financial risk and personal purpose — showing how both can quietly shape our lives if left unexamined. A. Credit Risk: The Tri-Color Auto Loan Company He discussed the unfolding story around Tri-Col

What's My Number? Savings and Cash Edition Oct 13, 2025 29:36 Purpose Driven Finances – September 27, 2025 What’s My Number? — Savings & Cash Segment 1: Crypto, Inflation, and Risk Factors Allan opened the show with a timely discussion on where risk and opportunity meet in today’s market — from cryptocurrency in retirement plans to inflation and new forms of corporate risk. A. Crypto in Retirement Plans Interest in adding crypto to 401(k)s and

What's My Number? Investment Planning Edition Oct 13, 2025 29:50 Purpose Driven Finances – September 20, 2025 What’s My Number? — Investment Planning Edition Segment 1: Let’s Talk the Portfolio Theme: The Fed, Interest Rates, and the Quad 2 Outlook for Q4 2025 Allan opened the show with an update on Federal Reserve policy and what investors should expect heading into the final quarter of 2025. Current rate levels remain restrictive, but the Fed’s tone

What's My Number? Retirement Edition Oct 13, 2025 29:49 Purpose Driven Finances – September 13, 2025 Segment 1: Let’s Talk the Portfolio Theme: Job Data Revisions, Inflation Trends, and Market Shifts Allan began this week’s program by unpacking the latest Non-Farm Payroll (NFP) adjustments, revealing that 911,000 phantom jobs were removed from the prior 12-month reports. Combined with last year’s 818,000 downward revisions, that’s 1.73 million

What's My Number? Practical Steps to Discover. Oct 13, 2025 29:49 Purpose Driven Finances – September 6, 2025 Segment 1: Let’s Talk the Portfolio (10 Minutes) Theme: Quad 3, Inflation, and Interest Rates on the Horizon Allan opened this week’s show by reviewing the current market environment — Quad 3, characterized by slowing growth and rising inflation. He explained that in this phase, investors should expect more volatility across equities and credit,

What's My Number? Why Do I Need One? Oct 13, 2025 29:50 Purpose Driven Finances – Aired August 30, 2025 Segment 1: Let’s Talk the Portfolio (10 minutes) Theme: AI, Markets, and the “GenAI Divide” – Lessons from MIT’s 2025 Report This week’s show opened with a discussion about the state of artificial intelligence in business—specifically MIT’s 2025 report titled “The GenAI Divide.” The conversation explored how massive investment into generative

Hard Questions to Ask Your Financial Advisor Aug 21, 2026 29:49 Key Takeaways Your financial advisor should be able to explain why they use the investments they recommend, not simply tell you what to buy.Mutual funds and ETFs have important differences in trading flexibility, costs, taxes, investment focus, and management style.Owning several mutual funds does not necessarily mean you are diversified; different funds may hold many of the same investments

Are You Funding Your Dreams—or Delaying Them? Aug 21, 2026 28:39 Key Takeaways Financial planning should help you fund the life you actually want—not simply accumulate money without a purpose.Handling financial pressure well starts with having a plan before the pressure arrives.Ask yourself whether you are funding your dreams or continually delaying them for another year.Small, consistent actions can turn large financial goals into achievable steps.Waitin

Risks to Your Retirement: Protecting Your Future from Fraud, Divorce and Death Nov 18, 2025 29:49 Risks to Your Retirement: Protecting Your Future from Fraud, Divorce & Death Purpose Driven Finances — July 25, 2025 This episode blends your quarterly Quad outlook with a straight-talk conversation on the three threats that quietly destroy retirement plans when families aren’t prepared. 🎙️ Segment One — Portfolio Update: Quad 3 → Quad 2 Prep The quarter sits in Quad 3 (Stagflation)

Risk Management in Retirement Nov 18, 2025 29:49 Stagflation, Quad Shifts & Senior Risk Management Aired July 19, 2025 This week, Allan updates listeners on the economic transition ahead—and continues July’s series on Risk Management, focusing specifically on what seniors face in today’s environment. 🎙️ Segment One — Portfolio Update: Stagflation → Quad 2 The quarter remains in Quad 3 (Stagflation), but models show a transition to

Real-World Family Risk Management Nov 18, 2025 29:50 Stagflation, Rising Inflation & Real-World Family Risk Management Aired July 12, 2025 In this episode, Allan breaks down the next phase of the economic cycle and continues July’s deep dive into Risk Management for Families—what it is, why it matters, and how to protect your household from the threats most people underestimate. Segment One — Portfolio Update: Stagflation → Quad 2 (But

Stagflation, New Legislation and the Truth About Risk Nov 18, 2025 29:50 Stagflation, New Legislation & the Truth About Risk Aired July 5, 2025 In this episode, Allan pulls listeners into the heart of what’s changing—both in the markets and in Washington—and sets the stage for July’s month-long deep-dive on Risk Management. If you want to understand where the economy is heading and how to protect yourself from your own blind spots, this is the one to hear.

Changing Quads and What “Readiness” Really Means for Your Retirement! Nov 18, 2025 29:49 Changing Quads, Global Shifts & What “Readiness” Really Means for Your Retirement As economic conditions shift and global trade reshuffles, Allan Malina helps investors understand how to position their portfolios — and how to measure true retirement readiness in a world full of opinions, noise, and misconceptions. 📅 Aired May 10, 2025 In this episode of Purpose Driven Finances, Allan o

Changing Quads, Retirement Questions and Finding You Need For Retirement Nov 18, 2025 29:50 Changing Quads, Retirement Questions & Finding Your Real Number As markets shift and retirement questions rise to the surface, Allan Malina helps listeners cut through noise, fear, and comparison — and gives a clear path toward confident long-term planning. 📅 Aired May 3, 2025 In this episode of Purpose Driven Finances, Allan opens with the portfolio: economic Quads are changing, leade

Green Shoots, Real Questions and How to Navigate What’s Next Nov 18, 2025 29:49 Green Shoots, Real Questions & How to Navigate What’s Next Short-term optimism is appearing in the markets — but how do you separate a temporary breather from a real trend? And what questions should investors be asking right now? Allan Malina breaks it all down with a disciplined, purpose-driven approach. 📅 Aired April 26, 2025 In this episode of Purpose Driven Finances, Allan opens wi

Preparing for Liberation Day Mar 31, 2025 29:49 🎙️ Purpose Driven Finances – Aired on March 29, 2025 🔹 First, Let’s Talk the Portfolio Did You Sell the Rip?Markets rallied — did you react emotionally or stick to your process?How Servus Capital Manages MoneyA reminder of our disciplined, active approach.How We're Different from Most Retail FirmsNo cookie-cutter portfolios. No “wait it out” advice without real strategy.Why Try to Skip the

Protect Your Retirement: Social Security, Portfolio Risk, and Financial Scams Aug 21, 2026 29:50 Key Takeaways Social Security’s long-term funding challenges make personal retirement planning increasingly important.Government spending, interest rates, economic growth, and inflation can directly affect retirement portfolios and financial planning decisions.Investors should have a process for adjusting portfolio risk when economic and market conditions change.Helping adult children financ

Protecting Your Portfolio—and Yourself—from Financial Scams Aug 21, 2026 29:50 Key Takeaways Portfolio risk is not limited to market losses. Protecting your finances also means recognizing scams before money leaves your account.Weakening economic data can be a reminder to review the amount of risk in your portfolio rather than assuming yesterday’s strategy still fits today’s environment.Financial scams can affect people of any age, education level, or financial experie

Importance of a Purpose Driven Life Mar 25, 2025 29:47 Originally Aired 2/22/2025 📊 Market & Portfolio Commentary February OPEX (Options Expiration): 2/21/25Current Outlook:Market weakness is being "pressed out"Expecting a buy-the-dip opportunityMonday's action will be telling Macro View: March & April: Anticipate rising economic growth and slowing inflationFebruary: Both growth and inflation expected to slowBond yields breaking down,

Questions You Should Be Asking Yourself Regarding Finances. Sep 18, 2025 29:49 ❓ The Big Questions You Should Be Asking | Purpose Driven Finances Description: 📅 Aired February 15, 2025 Over the past five weeks, we’ve been walking through the top questions every prospective client asks — from Fiduciary responsibility to Fee-Only advice, Account Monitoring, and Financial Planning. Each week, we’ve provided a free resource on the Servus Capital Management blog to help g

What does Financial Planning Really Mean For Me? Sep 18, 2025 29:50 📝 What Does “Financial Planning” Really Mean? | Purpose Driven Finances Description: 📅 Aired February 1, 2025 We’re wrapping up our series on the top five questions prospective clients ask most often. Each week, listeners have had access to a free downloadable resource on the Servus Capital Management blog — and this week’s episode is no different. We start with a market check-in: slowin

A guide to how your investment account should be monitored. Sep 18, 2025 29:49 📊 What Does “Account Monitoring” Really Involve? | Purpose Driven Finances Description: 📅 Aired January 25, 2025 We’re in week three of our series on the top four questions prospective clients ask most often. Each week, don’t forget to check the Servus Capital Management blog for a free downloadable resource to guide your planning. This episode opens with commentary on the Trump inaugura

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