Summary: In this episode of Wealth on the Move, host Will Hoffman reflects on his 23 years in the wealth management industry, sharing valuable lessons learned throughout his career. He emphasizes the importance of having a solid financial plan, understanding cash flow, and recognizing the emotional aspects of financial decision-making. Hoffman also discusses the significance of teamwork in financial planning and how money can be a tool for happiness when used intentionally.
Takeaways:

* A plan matters more than any single investment.
* Cashflow discipline will beat investment brilliance.
* Time in the market is greater than timing the market.
* Taxes will quietly erode your wealth more than you realize.
* Diversification works even when it feels like it doesn’t.
* Most of the risk in your financial lives is emotional.
* The right portfolio for you is the one you can stick with.
* Big financial mistakes usually happen during big life transitions.
* You don’t need more financial products. You need more clarity.
* Wealth is a team sport.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Gregory Allison, CFA from Orion Custom Indexing discuss the innovative strategy of custom indexing. They explore how this approach allows investors to manage concentrated stock positions, utilize tax loss harvesting, and enhance after-tax returns. The conversation delves into the technology behind custom indexing, its applications for real estate investors, and the benefits of charitable giving strategies. They also touch on the emergence of custom indexing as a viable option for a broader range of investors, emphasizing the importance of personalized wealth management solutions.
Resources:

* Orion Custom Indexing
* LinkedIn- Orion
* LinkedIn- Gregory Allison
* Episode with Dr. Daniel Crosby 
* Episode with Dr. Naomi Win

Takeaways:

* Custom indexing allows for personalized investment strategies.
* Tax loss harvesting can enhance after-tax performance.
* Utilizing losses can offset future capital gains.
* Technology plays a crucial role in executing custom indexing.
* Real estate investors can benefit from custom indexing strategies.
* Charitable giving can be optimized through custom indexing.
* Custom indexing is not suitable for IRA accounts.
* The strategy emerged due to advancements in technology.
* Concentration risk is a concern for long-term investors.
* Longevity impacts investment strategies and tax planning.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Disclosures:
Gregory Allison Orion Portfolio Solutions are not affiliated with Hoffman Wealth Management and Private Advisor Group.
Wealth management services provided by Orion Portfolio Solutions, LLC (“OPS”), a registered investment advisor. Orion OCIO services provided by TownSquare Capital, LLC (“TSC”), a registered investment advisor. OPS and TSC are affiliates and wholly owned subsidiaries of Orion Advisor Solutions, Inc.
Custom Indexing offered through Orion Portfolio Solutions, LLC a registered investment advisor.
Custom Indexing is an investment strategy wherein a portfolio is managed to mimic an index or other portfolio, while taking into account the tax position, holdings, and individual investing preferences of a client. The performance of a portfolio using custom indexing may vary significantly from the target index (referred to as tracking error or tracking difference), and this variance may increase with greater customization within a portfolio.
Tax-loss Harvesting is a process by which securities trading at unrealized losses are sold to realize a taxable loss. Proceeds from the sales are then used to reinvest in alternate securities to maintain market exposure. Tax-loss Harvesting can be used as a strategy to offset realized gains from other investments and/or carried forward to later calendar years to offset future taxable gains.

Summary: In this episode of Wealth on the Move, host Will Hoffman speaks with Beth Pinsker, a personal finance columnist and author of ‘My Mother’s Money.’ They discuss the challenges of caregiving, the complexities of financial responsibilities, and the importance of having essential documents in place. Beth shares her personal journey of navigating her mother’s illness and the financial decisions that arose, emphasizing the need for open conversations about money within families. The episode highlights the emotional and practical aspects of caregiving and offers valuable insights for listeners.
Resources:

* Beth’s LinkedIn
* Link to “My Mother’s Money”
* Beth on MarketWatch

Takeaways:

* Caregiving often intertwines with financial responsibilities.
* Bad financial decisions are common in caregiving situations.
* Having essential documents like power of attorney is crucial.
* Families need to communicate openly about finances.
* Financial planning is not just about investments; it’s about life decisions.
* The sandwich generation faces unique challenges in caregiving.
* Understanding financial structures can prevent future issues.
* Storytelling can facilitate important family discussions.
* Navigating healthcare and financial systems is complex and often frustrating.
* Preparation can alleviate stress during caregiving crises.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman interviews Felipe Toews, CEO of Toews Asset Management and author of ‘The Behavioral Portfolio. They discuss the importance of understanding investor behavior, the impact of market history on investment strategies, and the need for proactive communication in managing portfolios. Toews emphasizes the significance of constructing resilient portfolios that can withstand market chaos and the risks associated with timing the market. The conversation also explores the bucket strategy in portfolio management and the future of behavioral finance.
Resources:

* Felipe’s LinkedIn
* Amazon Link to The Behavioral Portfolio

Takeaways:

* Investors often rely on outdated portfolio strategies that may not suit their needs.
* Understanding investor behavior is crucial for effective portfolio management.
* Market history shows that downturns can be more severe than recent experiences suggest.
* Constructing portfolios that address both economic realities and investor psychology is essential.
* Proactive communication can help investors navigate market volatility.
* The bucket strategy can mitigate risks associated with market downturns.
* Diversification may not provide the protection investors expect during crises.
* Preparing for market chaos involves having a clear plan of action.
* Timing the market is a risky strategy that often leads to poor outcomes.
* The field of behavioral finance is evolving and offers new insights for investors.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Phillip Felipe Toews and Toews Asset Management are not affiliated with Hoffman Wealth Management and Private Advisor Group.

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Ryan Dietrich discuss the current state of the markets, including insights on volatility, market recovery, and the impact of government shutdowns. They explore the dynamics of the gold market, interest rates, and the Federal Reserve’s outlook, as well as trends in the crypto market. The conversation also delves into behavioral finance and market psychology, emphasizing the importance of having a strategic investment plan. Finally, they provide predictions for future market trends and economic outlooks.
Resources:

* Facts vs. Feelings Podcast
* Ryan’s X Account

Takeaways:

* The market has shown resilience despite recent government shutdowns.
* Gold is currently overextended, indicating potential for a pullback.
* The Federal Reserve is expected to cut interest rates soon.
* Historical data suggests that bull markets can last longer than expected.
* Behavioral finance plays a significant role in investment decisions.
* Investors should be cautious with crypto investments due to volatility.
* Market corrections are normal and can present buying opportunities.
* The consumer market remains strong despite economic uncertainties.
* Global investment opportunities are still available for savvy investors.
* Volatility is a necessary aspect of investing that should be embraced.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the critical aspects of wealth management, particularly for retirees. He emphasizes that the question of how to invest should not be the primary concern; instead, understanding the need for liquidity and planning for both short-term and long-term financial goals is essential. Hoffman outlines strategies for securing income during retirement, the importance of maintaining a disciplined investment approach, and the need to navigate the distribution phase effectively. He encourages listeners to focus on long-term strategies rather than seeking quick stock tips, highlighting the importance of planning for future expenses and potential market fluctuations.
Takeaways:

* The question of how to invest is often misguided.
* Liquidity is crucial for retirees to enjoy their time.
* Market timing is not a reliable strategy.
* Investing should be based on long-term goals.
* Retirement income should be secured for the short term.
* The distribution phase of retirement is critical and challenging.
* Good investment ideas take time to develop.
* Discipline in investment strategy is essential for peace of mind.
* Planning for inflation is necessary for long-term success.
* Avoid the temptation of chasing hot stock tips.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management
* Instagram: Hoffmanwealthmanagement

Summary: In this episode of Wealth on the Move, host Will Hoffman and director of financial planning Niko Rosso discuss the value that financial advisors bring to their clients, referencing a significant study by Vanguard. They explore various aspects of financial planning, including investment selection, asset location, tax efficiency, and the importance of behavioral coaching. The conversation emphasizes the evolving role of independent financial advisors in a changing financial landscape, highlighting the need for financial literacy and proactive planning.
Resources:

* Download the Vanguard Study HERE!

Takeaways:

* Vanguard’s study highlights the value of financial advisors.
* Investment selection can add significant alpha to portfolios.
* Behavioral coaching is crucial for client success.
* Understanding asset location can enhance tax efficiency.
* Tax loss harvesting can provide financial benefits.
* Budgeting is essential for financial discipline.
* Independent financial advisors are shaping the future of wealth management.
* Financial literacy is vital for effective money management.
* Proactive planning can mitigate financial risks.
* The evolving landscape of financial advising requires adaptability.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management
* Instagram: Hoffmanwealthmanagement

Connect with Niko Rosso:

Hoffman Wealth Management
(724) 522-5411
dominic@hoffmanwealth.com
LinkedIn: Dominic Rosso

 

Summary: In this episode of Wealth on the Move, Will Hoffman speaks with Tina Steele, the FAFSA guru, about the intricacies of the FAFSA process and how families can maximize their financial aid opportunities. They discuss the importance of understanding FAFSA, the changes that have occurred recently, and strategies for families to navigate the financial aid landscape effectively. Tina shares insights on common mistakes families make, the significance of documentation, and the future of FAFSA, including new technologies that will aid in the process. This conversation is essential for parents and students preparing for college funding.
Resources:

* TikTok- @thefafsaguru
* Instagram- @thefafsaguru
* Facebook- fafsaguru
* YouTube- TheFAFSAGuru
* LinkedIn- Tina Steele
* The FAFSA Guru Website!

Takeaways:

* FAFSA is crucial for all students attending college.
* Filling out FAFSA is necessary every year for financial aid.
* Many families mistakenly believe they won’t qualify for aid.
* Child support is now treated as an asset in FAFSA calculations.
* Families can report special circumstances to financial aid offices.
* It’s important to appeal financial aid offers for potential increases.
* NIL income can affect financial aid eligibility for student-athletes.
* Common mistakes include misreporting assets and missing deadlines.
* Documentation is key for the FAFSA process and potential verification.
* The FAFSA process is evolving with new technologies for assistance.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management
* Instagram: Hoffmanwealthmanagement

 
Tina Steele and The FAFSA Guru not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the challenges of funding college education with expert Dave Peterson. They explore the vast opportunities available through scholarships, the misconceptions surrounding them, and the importance of starting the scholarship search early. Peterson shares insights on different types of scholarships, the scholarship application process, and how to build a compelling personal narrative. The conversation emphasizes the need for parents and students to be proactive in seeking financial aid to alleviate the burden of student loans and ensure a successful educational journey.
Resources:

* Dave’s Website
* Dave’s Suggested Scholarship Search Site

Takeaways:

* There is a significant amount of scholarship money available, much of which goes unclaimed.
* Scholarships are not just for seniors; opportunities exist for younger students as well.
* A strong personal narrative is crucial for winning scholarships.
* Students should start applying for scholarships as early as possible.
* Many scholarships do not require high GPAs or test scores.
* Building a personal narrative involves academics, extracurriculars, volunteering, and work experience.
* Avoid applying for illegitimate scholarships that ask for sensitive information.
* The scholarship application process requires attention to detail and following instructions.
* Students can earn scholarships even after high school graduation.
* Utilizing resources like Scholarship GPS can help streamline the scholarship search process.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management
* Instagram: Hoffmanwealthmanagement

 
Dave Peterson and Scholarship GPS not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

Summary: In this episode of Wealth on the Move, host Will Hoffman engages with John Sabes, author of ‘Healthy Wealthy Longevity.’ They discuss the critical importance of longevity as a financial risk, the role of self-care and health in financial planning, and the impact of lifestyle choices on longevity. John shares insights on epigenetics and how our lifestyle influences gene expression, emphasizing the need for individuals to invest in their health to ensure a vibrant life as they age. The conversation also touches on the future of health and wealth innovation, and the importance of planning for uncertainty in life expectancy.
Resources:

* Jon’s Website
* Get Jon’s Book HERE!

Takeaways:

* Longevity is a significant risk to retirement portfolios.
* Self-care and health are crucial for a fulfilling life.
* Investing in yourself is the best financial decision.
* Lifestyle choices greatly influence longevity and health.
* Epigenetics shows that our lifestyle affects gene expression.
* Planning for retirement must consider the unpredictability of life expectancy.
* The worst outcome in aging is to be alone and poor.
* Financial advisors should focus on holistic well-being, not just investments.
* Maintaining muscle mass is vital for health span and longevity.
* Living with purpose and connection enhances overall longevity.

Connect with Jon Sabes:

* Facebook: Jon Sabes
* Instagram: Jon Sabes
* LinkedIn: Jon Sabes
* TikTok: Jon.Sabes
* Youtube: Jonsabesofficial

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management
* Instagram: Hoffmanwealthmanagement




John Sabes and Longevity Financial Partners are not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

Summary: In this episode of Wealth on the Move, host Will Hoffman and NIL expert Kristi Dosh delve into the transformative landscape of Name, Image, and Likeness (NIL) in college sports. They discuss the evolution of NIL rules, the financial implications for student-athletes, and the importance of building a personal brand through social media. Kristi shares insights on navigating contracts, the role of agents, and the tax responsibilities that come with NIL deals. The conversation also highlights the future of NIL, including market inefficiencies and undervalued opportunities for athletes.
Resources:

* Kristi’s Website’s

* Kristidosh.com
* Business of College Sports Website


* The Athlete’s NIL Playbook Website
* LinkedIn: Sportsbizmiss
* Facebook: Kristi Dosh
* Instagram: Sportsbizmiss
* TikTok: Sportsbizmiss
* YouTube: Business of College Sports

Takeaways:

* NIL has revolutionized the financial landscape for college athletes.
* The rules around NIL have changed significantly since July 2021.
* Athletes must navigate a complex and evolving NIL environment.
* Written contracts are essential for NIL deals to avoid misunderstandings.
* Many athletes may not need agents but should consider hiring attorneys.
* Tax implications are a crucial aspect of NIL earnings for athletes.
* Social media presence is vital for building a personal brand.
* Athletes should diversify their content beyond just their sport.
* NIL opportunities can extend into coaching and clinics for athletes.
* The future of NIL may see more states allowing high school athletes to participate.

Kristi Dosh and Business of College Sports are not affiliated with Hoffman Wealth Management and Private Advisor Group. Hoffman Wealth Management and Private Advisor Group do not provide tax or legal advice. This presentation is not intended as specific financial,  tax or legal advice for any individual. Please consult with qualified professionals for these types of advice.

Summary: In this episode of Wealth on the Move, host Will Hoffman and tax expert Kelly Bender dive deep into the implications of the new OB3 tax law and what it means for both business owners and individual taxpayers. They explore the importance of understanding business entity structures, the impact of payroll tax updates, and the necessity of long-term tax strategies. Key topics include changes to income tax brackets, retirement account contributions, child tax credits, and state and local tax (SALT) deductions. They discuss the permanence of the Qualified Business Income (QBI) deduction, updates to depreciation rules, and investment incentives such as Qualified Opportunity Zones and qualified small business stock. Kelly shares insights from her upcoming book aimed at helping new entrepreneurs navigate the complexities of starting a business, while also addressing common tax myths and the importance of proactive planning for future generations. Throughout the conversation, they emphasize how OB3’s changes require individuals and businesses to adapt to an evolving tax landscape in order to maximize benefits and maintain compliance.
Resources:

* DKTBS Website
* eLab Website (A Starter Guide for Entrepreneurs)
* Invite Kelly to Speak
* PRE-ORDER Kelly’s Book

Takeaways:

* Many small business owners don’t fully understand their entity structure.
* OB3 introduces significant tax code changes impacting individuals and businesses.
* QBI deduction is now permanent for small business owners.
* Income tax brackets have been adjusted, but many won’t feel the impact.
* Retirement contributions are now tied to inflation.
* Child tax credit will increase to $2,200 per child by 2025.
* New senior deduction of $6,000 for those over 65.
* SALT deduction cap increased to $40,000.
* Qualified Opportunity Zones can defer or eliminate taxes on gains.
* Qualified small business stock offers significant tax benefits.
* Payroll tax compliance is essential under new rules.
* Depreciation rules now allow faster write-offs for capital investments.
* Proactive, long-term tax planning can save money in the long run.
* Common tax myths can lead to poor financial decisions.
* Asking questions is vital for entrepreneurs starting out.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management
* Instagram: Hoffmanwealthmanagement

Connect with Kelly Bender: 

LinkedIn: Kelly Bender
Facebook: Total Business Soulutions
YouTube: LifeUntaxed
* Instagram: LifeUnTaxes
* TikTok: LifeUntaxed

Summary: In this episode of Wealth on the Move, host Will Hoffman and Senior Economist Andrew Opdyke discuss the current state of the markets, focusing on the second quarter’s volatility, the Federal Reserve’s stance on interest rates and inflation, the impact of AI on business and investment, and the upcoming midterm elections. They also provide insights into portfolio strategies for the third quarter and reflect on historical lessons that can guide future decisions.
Resources:

* First Trust Website
* First Trust on LinkedIn

Takeaways:

* It’s time in the market, not timing the market that matters.
* Data-driven insights are crucial for accurate forecasting.
* Emotions can lead to irrational market reactions.
* The second quarter saw significant market swings due to tariffs.
* The Federal Reserve is cautious about cutting rates amid uncertainty.
* AI is transforming industries and enhancing productivity.
* Historical context is essential for understanding current market dynamics.
* Investors should maintain a diversified portfolio.
* The U.S. remains a strong place for business growth.
* Perspective from history can guide future financial decisions.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management
* Instagram: Hoffmanwealthmanagement

Summary: In this episode of Wealth on the Move, host Will Hoffman sits down with fitness expert Stan Vaccari to explore the deep parallels between physical fitness and financial wellness. Together, they discuss how both pursuits demand discipline, accountability, and a long-term strategic mindset. Vaccari draws from his experience in health coaching to emphasize the value of online coaching, the importance of tracking progress, and the common hurdles faced when starting new fitness or financial goals. The conversation touches on the underrated power of walking, post-workout nutrition strategies, and the lifelong benefits of investing in oneself. Reflecting on personal choices and growth, Will and Stan also delve into how historical perspectives shape current trends — including the evolving role of AI in our lives. Like training for a marathon or building wealth, success is best achieved with patience, consistency, and purpose.
Resources:

* SV Coaching Website 

Takeaways:

* Fitness and finance are interconnected and influence each other.
* Online coaching can provide better accountability and results than in-person training.
* Discipline in training leads to improvements in other areas of life.
* Starting points in fitness and finance are often the most challenging.
* Setting clear goals and engineering a plan is crucial for success.
* Slow and steady progress is more sustainable than quick fixes.
* Accountability is key to maintaining fitness and financial goals.
* Boring routines can lead to significant results over time.
* Measuring progress is essential in both fitness and finance.
* You don’t need expensive gadgets to track your fitness effectively.
* Walking is a powerful fitness habit that can significantly reduce health risks.
* Post-workout nutrition can be unconventional yet effective.
* Investing in personal development is crucial for long-term success.
* Life choices, such as education paths, can shape future opportunities.
* Understanding and utilizing AI is essential for future success.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Connect with Stan Vaccari: 

Instagram: Stanv_pt
LinkedIn:  Stan Vaccari
X: Stanvaccari
YouTube: Stan Vaccari

Summary: In Part 2 of this inspiring conversation, host Will Hoffman dives deeper with Phil and Erin Lockwood, the power couple behind Always Be Changing. This episode explores how they turned their adventurous lifestyle into a sustainable business model. They share how they monetized their YouTube channel, built income streams through brand partnerships, and revived the travel agency model with ABC Trips. Phil and Erin also unveil their online course, ‘Travel Free, Live Rich,’ aimed at helping families learn how to design, fund, and fully embrace a semi-nomadic life. From emotional parenting insights to tactical monetization advice, this episode is packed with practical wisdom for anyone dreaming of breaking the mold and living more freely.
Resources:

* ABC’s Favorite Credit Cards
* ABC’s Online School
* ABC’s Top Travel Insurance

Takeaways:

Monetizing content goes beyond YouTube ads—brand deals and direct services are more lucrative.
ABC Trips offers personalized, relationship-driven travel planning with hands-on support.
Travel agents are resurging in popularity due to value-added experiences and human-level service.
Their online course ‘Travel Free, Live Rich’ teaches practical steps to fund and sustain global travel.
Content creation began casually but evolved into a key income stream through consistency and authenticity.
Most brand opportunities come inbound through email after building credibility and audience.
Loyalty programs and travel hacking make luxury experiences accessible with planning.
They emphasize doing it now—before kids are grown, not waiting until retirement.
Immersive travel (e.g. rice harvesting in the Philippines) creates lifelong family memories.
The biggest fear? Not money—but whether their parenting choices truly served their kids long-term.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Connect with The Lockwoods: 

Always Be Changing Youtube Channel
ABC Official Website
* Live Like the Lockwood Family!
Instagram: Always Be Changing
Facebook: Always Be Changing
TikTok: Always Be Changing

Summary: In this episode of Wealth on the Move, host Will Hoffman sits down with Phil and Erin Lockwood—founders of the ‘Always Be Changing’ brand. What began as a shift in educational choices for their children quickly blossomed into a transformational lifestyle change that saw their family exploring all seven continents. The Lockwoods share how they built a life that defies traditional templates—embracing asynchronous cyber schooling, running a remote business, and choosing meaning over money. They explain the philosophy behind their brand, how the pandemic shifted their priorities, and why their adventures are rooted in personal freedom and creative fulfillment. This episode offers a bold take on redefining wealth, education, and how we spend our most valuable resource—time.
Resources:

* ABC’s Favorite Credit Cards
* ABC’s Online School
* ABC’s Top Travel Insurance

Takeaways:

The Lockwoods intentionally rejected the traditional 9-to-5 lifestyle to design a life rooted in experience.
They homeschool their children via Ignite Learning Academy, prioritizing flexibility and self-paced learning.
COVID-19 was a key catalyst in realizing that traditional systems (work, school) no longer served their goals.
They maintain a home base in Denver while traveling extensively—a semi-nomadic lifestyle.
Phil continues to run his marketing agency remotely while Erin contributes through content and education.
‘Always Be Changing’ originated from Phil’s company culture but evolved into a lifestyle brand and philosophy.
Off-season travel helped make their global journey surprisingly affordable.
They consciously chose experience and presence with their children over financial maximization.
Erin finds joy and purpose in public storytelling, both as a novelist and vlogger.
Monetization was never the initial goal—but has become a fruitful part of their global journey.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Connect with The Lockwoods: 

Always Be Changing Youtube Channel
ABC Official Website
* Live Like the Lockwood Family!
Instagram: Always Be Changing
Facebook: Always Be Changing
TikTok: Always Be Changing

 

Summary: In this episode of Wealth on the Move, host Will Hoffman and behavioral finance analyst Dr. Naomi Win explore the psychological aspects of financial decision-making, particularly during periods of uncertainty. They discuss how emotions influence our financial behaviors, the importance of having a solid financial plan, and strategies for coping with market volatility. Dr. Win emphasizes the need for psychological flexibility and the impact of cultural immediacy on our responses to financial challenges. The conversation highlights the significance of learning from past experiences and adapting our financial habits accordingly. In this conversation, Will Hoffman and Naomi discuss the evolving financial habits across generations, particularly focusing on the challenges faced by younger individuals in navigating uncertainty and risk. They explore the impact of cultural shifts on financial decision-making, the importance of cultivating a mindset of possibility, and the opportunities presented by the gig economy. The discussion also emphasizes the significance of self-trust and learning from failures as essential components of financial resilience.
Resources:

* Connect with Dr. Win on LinkedIn

Takeaways:

* Behavioral finance examines the cognitive and emotional drivers of financial decision-making.
* Financial uncertainty can trigger emotional responses that lead to irrational decisions.
* Having a financial plan acts as a GPS during uncertain times.
* Psychological flexibility is crucial for navigating financial challenges.
* Cultural immediacy influences our reactions to financial news and market changes.
* We often prefer certain pain over the uncertainty of potential outcomes.
* Uncertainty is an emotional state that can cloud our judgment.
* Learning from past financial crises can help us make better decisions in the future.
* Our financial habits are often shaped by our upbringing and parental influences.
* Success and failure in finance are not permanent states; adaptability is key. Most habits we develop come from our parents.
* Younger generations are more risk-averse due to cultural shifts.
* Building resilience through resistance is crucial.
* Self-trust is essential for navigating uncertainty.
* The gig economy offers unprecedented opportunities for young people.
* Failures are instructive and necessary for success.
* Automation can simplify financial decision-making.
* Pursuing certainty can lead to increased anxiety.
* Recognizing stress is the first step to managing it.
* Revisiting options can lower anxiety and clarify goals.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, hosts Will Hoffman and Brynn Tarbuck discuss the essential financial strategies for recent graduates and young professionals. They cover the importance of understanding one’s financial picture, budgeting effectively using the 50/30/20 rule, and the significance of saving and investing early. The conversation also highlights the necessity of financial protection through insurance and the importance of building healthy financial habits. The hosts encourage listeners to seek financial advice early in their careers and to stay informed about their financial health as they navigate life after graduation.
Resources:

* Cybersecurity Episode with Philip Coniglio
* Estate Planning Episode with Ashley Sharek
* 6 Important Financial Strategies for your 20s and 30s
* 7 Principles of Long-Term Investing
* 8 Timeless Principles of Investing
* Insured At Every Stage: Starting Out

 
Takeaways:

* Graduation is an exciting time with many opportunities ahead.
* Understanding your financial picture is crucial for success.
* Budgeting is essential; consider the 50/30/20 rule.
* Compounding interest is a powerful tool for wealth accumulation.
* It’s never too early to consult a financial advisor.
* Insurance is vital for financial protection.
* Healthy financial habits contribute to overall well-being.
* Investing early can lead to significant long-term gains.
* Stay informed and proactive about your financial health.
* The journey to wealth is a marathon, not a sprint.

 
Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
LinkedIn: Will Hoffman 
Facebook: Hoffman Wealth Management 
YouTube: Hoffman Wealth Management

 

Summary: In this episode of Wealth on the Move, host Will Hoffman and cybersecurity expert Philip Coniglio discuss the critical importance of cybersecurity in the financial services industry. They explore the tactics used by cyber criminals, common misconceptions about cybersecurity, and the real-life implications of data breaches. The conversation emphasizes the need for proactive measures to protect personal and family data, especially for busy families and retirees. Philip shares practical advice on password management, online safety for children, and building strong cybersecurity habits to minimize risks. In this conversation, Will Hoffman and Philip Coniglio discuss essential cybersecurity practices, focusing on mobile device security, protecting personal information, and assisting less tech-savvy family members. They emphasize the importance of using VPNs, multi-factor authentication, and being proactive about password management. The discussion also touches on the challenges posed by artificial intelligence in cybersecurity and offers practical tips for safe technology use while traveling. The conversation concludes with actionable steps listeners can take to enhance their cybersecurity awareness.
Resources:

* Philip’s LinkedIn
* Advisor Defense Website 
* CYBERSECURITY CHECKLIST

 
Takeaways:

* Cyber criminals today are basic scammers using social engineering.
* A proactive approach to cybersecurity is essential for protection.
* Password strength is crucial; longer passwords are significantly more secure.
* Real-life incidents can highlight the importance of cybersecurity measures.
* Families need to be aware of online threats, especially for children.
* Using a password manager can simplify password security.
* Regularly updating passwords is necessary based on their complexity.
* Locking down children’s credit can prevent identity theft.
* Specific credit cards for online shopping can mitigate risks.
* Email security is a major vulnerability for individuals.  Mobile devices are vulnerable in public spaces.
* Using public Wi-Fi can compromise your security.
* Consider using a VPN for secure internet access.
* Free identity protection services may not be reliable.
* Proactive password management is crucial.
* Educate less tech-savvy family members about online safety.
* Multi-factor authentication adds an extra layer of security.
* Traveling with technology requires extra precautions.
* AI is changing the landscape of cybersecurity threats.
* Immediate actions can significantly improve your cybersecurity.

Connect with Will Hoffman: 

Hoffman Wealth Management
(724) 522-5411
will@hoffmanwealth.com
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Will Hoffman offers investment advice through Private Advisor Group which is a federally registered investment advisor. The opinions voiced in this content are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.