Making more money doesn't automatically create wealth. The real difference comes from knowing how to keep it, plan for it, and use it to build the future you actually want.

In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Rebecca Irey, Founder of Blue Skye Financial and Certified Financial Fiduciary®, who shares how her personal experiences with financial uncertainty shaped her mission to help women and families become more confident and informed about money. She explains why financial planning should be based on real-life circumstances rather than ideal scenarios, how proactive tax planning can change future outcomes, and why retirement planning should address potential tax increases well before required minimum distributions begin. Rebecca also discusses building a virtual family office by coordinating financial, tax, and legal professionals and emphasizes the importance of trusting yourself to take an active role in your financial future.

Key Takeaways:

→ Financial planning should focus on the person and their goals rather than the amount of money in their account.

→ Building a strong financial foundation requires planning beyond simply paying off debt and maintaining an emergency fund.

→ Financial blind spots can include assuming there will always be more time to address important financial decisions.

→ Women can benefit from becoming more confident and actively involved in managing their financial futures.

→ Earning more money does not necessarily create wealth if spending continues to rise with income.

Rebecca Irey is the founder of Blue Skye Financial and a Certified Financial Fiduciary® dedicated to empowering women to make smarter, more intentional decisions about their money. She specializes in retirement and life design, tax-efficient wealth strategies, and helping women and families move from financial uncertainty to confidence and action.

Connect With Rebecca:

Website: https://blueskyefinancial.com/

Facebook: https://www.facebook.com/blueskyefinancial/

X: https://x.com/blueskyewealth

What if financial advisors could understand how a prospect thinks, makes decisions, and responds to money before the first meeting even begins?

In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Hugh Massie, Founder of DNA Behavior International, who explains how behavioral insights can help financial advisors understand clients beyond their assets and financial circumstances. He shares how psychometric assessments and AI-powered digital scans can uncover decision-making tendencies, communication preferences, and money behaviors that advisors can use to personalize client interactions and improve prospect conversion. Hugh also discusses using behavioral data to match prospects with the right advisor, create warmer first meetings, and build more personalized long-term client relationships.

Key Takeaways:

→ Understanding a client’s behavior and relationship with money can help advisors create a more personalized experience.

→ DNA Behavior’s assessment uses behavioral data to identify tendencies such as saving habits, emotional responses under pressure, mental accounting, and decision biases.

→ AI-powered digital scans can create behavioral profiles from publicly available information before a prospect meets with an advisor.

→ Advisors can use behavioral profiles to better understand their own decision-making styles and how they work with clients.

→ Behavioral insights can help advisory teams bring complementary perspectives into client meetings rather than relying on a single advisor’s communication style.

A Titan 100 CEO, Behavioral Solutions Architect, and Behavioral Economics Pioneer, Hugh helps leaders build people-centric businesses by using behavioral data, AI-driven technology, and personalized insights to improve decision-making, culture, performance, and financial behavior.

Connect With Hugh:

Website: https://www.hughmassie.com/

https://dnabehavior.com/

https://www.godna.ai/

Instagram: https://www.instagram.com/dnabehavior/

LinkedIn: https://www.linkedin.com/in/hughmassie/

YouTube: https://www.youtube.com/@DNABehavior

https://www.youtube.com/@BehavioralEconomicsToday

What if there was a wealth strategy designed to help high-net-worth individuals grow assets more efficiently, reduce taxes, and create a more powerful legacy plan?

In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Michael Malloy, CLU, TEP, RFC, Founder & Chief Advisor of EWP Financial, who explains how private placement life insurance (PPLI) works and why it has become an advanced planning strategy for high-net-worth individuals and families. He shares how PPLI combines tax planning, estate planning, and investment strategies to help clients pursue tax-efficient growth and generational wealth transfer. Michael also discusses who PPLI is designed for, why clients should understand the strategy before implementing it, and how educated clients can determine whether it aligns with their financial goals.

Key Takeaways:

→ What private placement life insurance (PPLI) is and why many successful entrepreneurs have never heard of it.

→ How PPLI can combine advanced tax planning and estate planning strategies into one structure.

→ Why PPLI is often compared to an “unlimited Roth IRA” for certain high-net-worth clients.

→ Who may be an ideal candidate for PPLI and who may not benefit from the strategy.

→ How investor control rules and diversification requirements impact PPLI structures.

With more than 40 years of experience, Michael advises ultra-high-net-worth families on international tax planning, asset protection, risk management, and cross-border wealth strategies.

Connect With Michael:

Website: https://www.ewp-financial.com/

LinkedIn: https://www.linkedin.com/in/michael-malloy-clu-tep-rfc7331a744/

X: https://x.com/EwPfinancial

YouTube: https://www.youtube.com/@EWP-Financial