Welcome back to Don’t Retire… Graduate! In today’s episode, we’re diving into one of the most essential—yet often overlooked—aspects of a healthy financial life: insurance as part of your risk management strategy. I’m delighted to welcome back Jillian Howell, a talented Client Service Associate at BFG Financial Advisors who first joined us earlier this year. Jillian brings not only her expertise in communications and client support but also a budding passion for the insurance world, inspired by earning her life and health insurance license. With her fresh perspective and genuine enthusiasm, she’s helping clients feel both informed and empowered as they navigate life’s financial journey.

In our discussion, Jillian and I explored the vital role that insurance—particularly life insurance—plays in building a secure and resilient financial plan. We talked about what drew her to insurance, how her understanding has evolved, and why she feels so passionately about making it accessible and understandable for everyone, especially younger people who often overlook its importance. Together, we debunked common myths, such as the notion that insurance is only for older individuals or those in poor health. Jillian walked through the must-have elements of a risk management plan, the critical calculations behind determining insurance needs, and the reasons to start early—even when you’re young and healthy. We also touched on the importance of regularly taking inventory of your current coverage and the idea that life insurance should be actively managed, not just tucked away and forgotten. And, on a lighter note, we even chatted about insuring cherished family pets!

5 Key Takeaways:

1. Insurance as a Foundation of Risk Management: Insurance isn’t just a checkbox—it’s a foundational part of any risk management plan, alongside legal documents, tax considerations, and asset titling. It’s about protecting both assets and loved ones.
2. Life Insurance Myths Debunked: One of the biggest misconceptions is that young, healthy people don’t need life insurance. In reality, securing coverage early locks in better rates and preserves insurability before any health issues arise.
3. Determining the Right Amount of Coverage: There is no one-size-fits-all answer, but striving for 10 to 15 times your annual income—while factoring in debts, dependents, and future needs—can provide important protection for your family.
4. Take Inventory and Reassess Regularly: Don’t just rely on employer-provided policies or outdated coverage. Sit down, review what you have, and look for gaps or weaknesses in your protection. Life insurance is an asset to be managed, not forgotten.
5. Insurance and Legacy Planning: From debt and income replacement to estate planning and even tax strategies, insurance can be leveraged for more than just “what if I don’t wake up tomorrow?”—it’s a powerful tool for overall financial resilience.

Join us as we uncover how a passion for insurance and risk management can enrich your financial wellbeing, empower you with knowledge, and set your loved ones up for greater peace of mind. Don’t forget to subscribe, rate, and share this episode with anyone ready to reimagine what insurance can do for their financial future!

Welcome back to Don’t Retire… Graduate! In today’s episode, we’re exploring the power of authentic connection, reinvention, and the art of building relationships—especially valuable skills for those finding their “next act” in life and in retirement. Joining me today is Steve Spiro, also known as the Master Connector. Steve is a fourth-degree black belt in karate, a first-degree black belt in jiu jitsu, an advertising entrepreneur turned sales pro, published author, and inspirational speaker. He specializes in helping introverts break barriers and connect authentically in an increasingly digital world.

In this conversation, Steve and I dove into his fascinating journey from being a bullied, learning-disabled introvert to becoming a master connector with over 30,000 LinkedIn connections and a respected voice in the networking world. We discussed how his martial arts background taught him discipline and perseverance, which later fueled his career pivots—from advertising to hardcore sales, and eventually, to motivational speaking and digital broadcasting. Steve shared actionable strategies for building genuine connections both in-person and online, emphasizing authenticity, vulnerability, and focusing on serving others. We tackled the challenges faced by those reinventing themselves in retirement or new ventures, including how to step out of comfort zones, overcome small talk anxiety, and leverage digital platforms like LinkedIn for community and opportunity.

Steve also unpacked the key differences between networking in person and online, giving tips for making memorable impressions and following up meaningfully. For anyone considering a new business or personal reinvention—whether moving to a new community, starting a new career, or simply wanting to expand your circle—Steve provided insight into finding your “why” and identifying the right people and passions to guide your next chapter.

5 Key Takeaways:

1. Authenticity & Vulnerability Matter: Steve credits his success to embracing vulnerability about his background and challenges, which allows for real, human connections—especially in the digital era where authenticity stands out.
2. Serve First, Ask Second: The best way to build a meaningful network is to focus on helping others without expecting anything in return. Offering value, introductions, or support with no hidden agenda leads to stronger, more genuine relationships.
3. Break Out of Your Comfort Zone: Growth happens outside the comfort zone. Steve encourages stepping into new social situations, even when it feels awkward, because the rewards in terms of connection and confidence are tremendous.
4. Networking is a Follow-Up Game: The magic of networking happens after the initial introduction. Collect contact information and make a strong, positive impression, but focus on following up to build the relationship.
5. Find Your Why and Your Who: Rather than obsessing over “how” to do something new, get clear on your “why” (purpose) and look for the right people (“who”) who can help you on your journey—mentors, connectors, or new friends.

Whether you’re an introvert or extrovert, entrepreneur or retiree, Steve Spiro’s insights offer practical encouragement for adding new chapters to your life story. Join us as we inspire each other to graduate into retirement—and life—with purpose, connection, and passion. Be sure to subscribe, rate, and share this episode with anyone ready to reshape their future through the power of connection!

Welcome back to Don’t Retire… Graduate! I’m your host, Eric Brotman, and on today’s Diary of a Financial Advisor segment, we’re shining a light on the journey of college students and recent graduates as they navigate the complex world of higher education, student loans, scholarships, and financial planning. Joining me is Tony Breen, an accomplished senior finance major at Stevenson University, intern at BFG Financial Advisors, and the only person in six years who’s had the courage to interview me on my own show! Tony is not only pursuing a master’s in forensic accounting but also serves as President of the Financial Management Association and VP of Enactus at Stevenson, making him one of the busiest students I know.

During our conversation, Tony and I dive deep into the financial realities of higher education. We talk candidly about how he transitioned from a biology major to finance, the influence of his family’s financial planning (including the benefits of a 529 college savings plan), and the critical role scholarships and institutional support played in his college decision process. We also look at how today’s college students prepare to launch their careers, manage debt, and make smart choices that set them up for long-term success.

We exchanged advice and stories about picking the right school, finding affordable pathways to a degree, and capitalizing on internships and campus involvement. Tony’s perspective is refreshingly grounded—he speaks from recent, real experience and offers actionable advice for students, parents, and anyone supporting the next generation through the maze of higher education and early professional life.

5 Key Takeaways:

1. Strategic School Choice is Crucial: Tony emphasizes that picking the right school—one that not only fits academically and socially but also financially—can make all the difference. Shopping for the best net price, leveraging scholarships, and considering both public and private options is essential.
2. 529 College Savings Plans Provide a Head Start: Starting a 529 plan early, as Tony’s grandfather did, helped offset the costs of college and allowed Tony to graduate with little to no student debt—an advantage that influenced his final school decision.
3. Scholarships and Grants Are Out There—But You Must Apply: Many scholarships go unused because students aren’t aware of them or don’t take the initiative to apply. Proactively seeking out scholarships and working with advisors can meaningfully reduce college costs.
4. Debt-Free Graduation Sets You Up for Success: Graduating without significant student loans provides young professionals with greater flexibility, less stress, and a stronger foundation for achieving financial independence and future life goals.
5. Campus Involvement Opens Doors: Tony’s advice to get involved on campus (clubs, leadership, internships, and networking with professors) has led to scholarships, career opportunities, and a more fulfilling college experience. Waiting for opportunities isn’t enough—students should be proactive.

This episode is a powerful reminder that with the right planning, support, and initiative, students can chart a bright financial future—without sacrificing their passions or burying themselves in debt. Whether you’re a student, parent, or grandparent, I hope Tony’s journey inspires you to explore all your options and plan ahead for educational and financial success.

Thanks for tuning in! Be sure to subscribe so you never miss an episode of Don’t Retire… Graduate!, and join us next time as we continue to inspire your journey to financial freedom and purpose-driven living.