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Ashley is joined by Adam Chapman, founder of YESmoney, for a conversation about what can happen when advisors rethink the language and structure of the planning process. Adam talks about why some clients, especially retirees, may not know how much they are allowed to dream until the plan gives them permission.

Together, Ashley and Adam talk about the difference a simple wording shift can make, including why Adam renamed the traditional discovery meeting a “blue sky session.” They also touch on client behavior, collaboration, retirement spending, and how advisors can create space for conversations that go beyond the numbers.

Episode Highlights:

• Why Adam renamed discovery meetings as Blue Sky Sessions
• How retirees can leave dreams off the table before they know what is possible
• Why clients may need permission to say the bigger dream out loud
• How small language changes can shift the way clients show up
• Why collaboration matters before, during, and after the planning meeting
• How client money stories can shape what they believe is possible
• Why the financial plan needs to speak to the client, not just the numbers
• How advisors can build meetings around the places clients usually get stuck

This conversation is for financial advisors who want their planning process to feel less like data gathering and more like a place where clients can say what they really want.

RESOURCES AND GUEST INFORMATION

Adam likes to joke he's the financial planner who helps people spend money, not save it. As the Founder of YESmoney, he's spent nearly two decades helping retirees overcome the beliefs, behaviours, and emotions that prevent people from enjoying their wealth. Now, he's on a mission to help every retiree intentionally die with less. His contrarian take on retirement spending has landed him in The Globe and Mail, The Wall Street Journal, Money Sense, Investment Executive, and Wealth Professional.

Connect with Adam Chapman:

• LinkedIn

Connect with Host Ashley Quamme:

• Podcast Website: https://www.planningandbeyond.com
• LinkedIn: https://www.linkedin.com/in/ashley-quamme
• Beyond the Plan®: https://www.beyondthefp.com
• Monthly Newsletter: https://www.beyondthefp.com

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Join Ashley and Brendan Frazier, host of The Human Side of Money podcast, for a conversation about review meetings and why they matter more than many advisors realize.

Brendan explains the difference between reactive and proactive review meetings and talks about where review meetings can fall flat, especially when the meeting becomes a routine check-in instead of a chance to understand the client better, celebrate progress, and reconnect with what matters most. Brendan also explains why clients usually do not leave because of performance. They often leave because of communication breakdowns or because they no longer feel understood.

Episode Highlights:

• The difference between reactive and proactive review meetings
• Why review meetings are the anchor of the client experience
• Where traditional review meetings often fall short
• How to help clients reflect on progress
• Why satisfied clients are not always engaged clients
• How to relearn who your clients are as their lives change
• The four R’s of stronger review meetings: reflect, reassure, recalibrate, and reimagine

This conversation is for financial advisors who want review meetings to feel less routine and more useful for the client. Tune in for a clear way to rethink the meeting so clients leave feeling heard, understood, and clear about where they are going next.

RESOURCES AND GUEST INFORMATION

Brendan Frazier helps financial advisors master the human side of advice. As host of The Human Side of Money podcast, he explores how psychology, behavior, and emotion shape financial decisions. A former advisor, Investopedia Top 100 Financial Advisor, founder of Wired Planning, and Chief Behavioral Officer, Brendan helps advisors strengthen client conversations and relationships through behavioral science. He lives with his wife, Shannon, and their three children.

Connect with Brendan Frazier:

• The Human Side of Money Podcast
• LinkedIn
• Website
• The Ultimate Review Meeting course - get $100 off with this link!
• E50. What Is the Human Side of Money? A 50th Episode Conversation with Brendan Frazier

Connect with Host Ashley Quamme:

• Podcast Website: https://www.planningandbeyond.com
• LinkedIn: https://www.linkedin.com/in/ashley-quamme
• Beyond the Plan®: https://www.beyondthefp.com
• Monthly Newsletter: https://www.beyondthefp.com

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A client’s career is often one of the biggest drivers of their financial life, but advisors are not always equipped to help with it.

In this episode, Ashley talks with Kolby Goodman, career coach, keynote speaker, and author, about where career decisions and financial planning overlap.

Kolby shares how he moved from IT support into career coaching after realizing that his mix of technical skill and people skill helped him stand out, grow his career, and eventually help others do the same. Over the past decade, he has worked with more than 3,500 professionals to find better jobs, earn more, improve work-life balance, and build careers that feel more aligned.

Ashley and Kolby discuss why career coaching can be such a valuable resource for financial advisors and their clients. Many clients are dealing with burnout, layoffs, career uncertainty, or the pressure of staying in a role that pays well but no longer fits the life they want. Advisors may be able to show clients what is financially possible, but career coaches can help them figure out what comes next and how to move toward it.

Kolby also explains how advisors can recognize when a client may benefit from career coaching, including clients who feel stuck, worried about layoffs, unsure how to make a change, or ready to think more intentionally about their work.

Episode Highlights:

• How Kolby moved from IT support into career coaching
• Why career decisions are deeply connected to financial planning
• How advisors can support clients who feel stuck, burned out, or uncertain
• Why some clients need more than financial permission to make a career change
• How career coaching can help clients name their value and next steps
• When advisors should consider bringing in a career coach
• Why young graduates may need more support entering today’s job market
• How to build a career by design instead of falling into one by accident

This conversation is especially useful for advisors who want to better understand the role career decisions play in a client’s financial life and offer more complete support during major life and work transitions.

RESOURCES AND GUEST INFORMATION

Kolby Goodman is a career coach and keynote speaker who partners with wealth management firms and financial planners to support clients and their children through career transitions. He helps families navigate layoffs, career pivots, and the launch of new college graduates, all of which can affect a family’s financial and emotional picture.

In 2025, Kolby helped his clients secure an average salary increase of 22.5%. He is the author of Employed by Graduation and Employed by Graduation: The Parent Edition and brings 13 years of career coaching experience to conversations around wealth, career risk, and family planning.

Connect with Kolby Goodman:

• LinkedIn: https://www.linkedin.com/in/kolbygoodman

Connect with Host Ashley Quamme:

• Podcast Website: https://www.planningandbeyond.com
• LinkedIn: https://www.linkedin.com/in/ashley-quamme
• Beyond the Plan®: https://www.beyondthefp.com
• Monthly Newsletter: https://www.beyondthefp.com