FINANCE LEADERS | Retirement Insights

Beverly Krzmarcik | Episode #26

🎙️ Episode Title: From Financial Junk Drawers to Family CFOs: Beverly Krzmarcik on Building Strategy, Stewardship, and Peace of Mind When it comes to money, most families don’t struggle with earning—it’s with organizing, aligning, and truly enjoying what they’ve worked so hard for. In this episode of Finance Leaders Retirement Insights, Daniel sits down with Beverly Krzmarcik, founder of Your Virtual CFO, to explore how she helps high-income professionals and families bring order, clarity, and purpose to their financial lives. Beverly shares her journey from discovering a natural talent for numbers in university to building a career as a trusted “family CFO.” Her approach goes beyond spreadsheets, focusing on strategy, stewardship, and creating space for families to ask the deeper questions about money, vocation, and purpose. You’ll hear how she helps clients avoid the dreaded “financial junk drawer,” why enjoying money today is just as important as saving for tomorrow, and how faith and family experiences—including raising a child with cystic fibrosis—have shaped her philosophy of balancing risk, resilience, and joy.    💡 What You’ll Learn in This Episode:  - Why most families have a “financial junk drawer” and how to finally organize it  - How the family CFO model differs from traditional financial advising  - The importance of coordination between tax, insurance, investments, and estate planning  - Why financial strategies should balance enjoying today with planning for tomorrow  - Insights into multigenerational planning and legacy stewardship  - How faith, family, and leadership shape Beverly’s work and vision    About Beverly Krzmarcik:  Beverly Krzmarcik is the founder of Your Virtual CFO, where she serves as a family CFO for high-income professionals, executives, and entrepreneurs across Canada. With over a decade of experience in financial planning and strategy, Beverly specializes in helping clients align their resources with their values—whether that’s protecting their families, planning for retirement, or creating multi-generational wealth.  Grounded in her own family’s story of faith and resilience, Beverly brings a uniquely human perspective to financial leadership. She believes money should be both managed wisely and enjoyed fully, and she empowers her clients with the clarity and confidence to do both.    Connect with Beverly Krzmarcik:  📍 Location: Calgary, AB  🌐 Website: yourvirtualcfo.ca  💼 LinkedIn: linkedin.com/in/beverlykrzmarcik  📱 Facebook: Your Virtual CFO  🎧 About the Finance Leaders Podcast Hosted by Daniel Hanzelka, the Finance Leaders Podcast brings you authentic, story-driven conversations with advisors who are redefining what it means to lead in the world of finance. No fluff. No product pitches. Just real people making a real impact.  🌐 More Episodes: https://financeleaderstv.com  📥 Be a Guest: https://financeleaderstv.com/apply

David Mares | Episode #25

In this episode of Finance Leaders, David shares how growing up without financial guidance shaped his mission to serve. We dive into trust, tax traps, and why real advisors show up for the whole person, not just their portfolio.  🎙️ Why Real Advisors Lead with Clarity, Not Just Products — Featuring David Mares | Finance Leaders Podcast  What happens when your financial advisor becomes your lifelong partner?  In this episode of Finance Leaders: Retirement Insights, host Daniel Hanzelka sits down with David Mares, founder of Socius Wealth Management, for a powerful and personal conversation about what truly drives great financial advice.  David shares his journey from a blue-collar upbringing to building a boutique firm that focuses on real relationships—not transactions. You’ll hear why he believes most families are underserved, how trust is built during major life transitions, and why clarity—not complexity—is the key to successful retirement planning.  💡 In This Episode, You'll Discover: Why most people never got the financial education they needed — and how David aims to change that The emotional side of money most advisors ignore How David helps clients navigate unexpected life events (like moving states or losing a job) The hidden tax traps that often surprise business owners and pre-retirees What it takes to be more than just an “annual check-in” advisor    About David Mares  David Mares is the founder of Socius Wealth Management, a boutique financial advisory firm based in Phoenix, AZ. Known for his calm presence, strategic thinking, and client-first mindset, David serves high-income professionals, business owners, and families navigating major financial transitions.  📍 Location: Phoenix, Arizona  🌐 Website: https://sociuswealthmgt.com  🔗 LinkedIn: https://www.linkedin.com/in/david-mares-swm  📞 Contact: 602-317-5332  🎧 About the Finance Leaders Podcast Hosted by Daniel Hanzelka, the Finance Leaders Podcast brings you authentic, story-driven conversations with advisors who are redefining what it means to lead in the world of finance. No fluff. No product pitches. Just real people making a real impact. 🌐 More Episodes: https://financeleaderstv.com  📥 Be a Guest: https://financeleaderstv.com/apply    #DavidMares #FinanceLeaders #RetirementPlanning #FinancialAdvisor #TaxPlanning #BusinessOwnerWealth #ClientFirstAdvice #SociusWealth

Dan Nicholson | Episode #24

TODAY'S GUEST | DAN NICHOLSON LinkedIn: www.linkedin.com/in/dan-p-nicholson [https://www.linkedin.com/in/dan-p-nicholson/] A serial entrepreneur since birth, Dan Nicholson is the author of “Rigging the Game: How to Achieve Financial Certainty, Navigate Risk and Make Money on Your Own Terms,” deemed a best-seller by USA Today and The Wall Street Journal. In addition to founding the award-winning accounting and financial consulting firm Nth Degree CPAs and being named a top 40 under 40 accountant globally 4 times, Dan has created and run multiple small businesses, including Certainty U and Certainty News, a platform that’s syndicated to over 1 billion monthly users. Dan also hosts the (un)conventional wealth podcast, and is a Consulting Producer for PBS’ Opportunity Knocks. He lives in Seattle with his wife and two children. Dan is far from your typical CPA, making him an educational, entertaining and just plain fun guest

Lindsey Lewis | Episode #23

TODAY'S GUEST | LINDSEY LEWIS LinkedIn: www.linkedin.com/in/lindseycarolyn [https://www.linkedin.com/in/lindseycarolyn/] Lindsey Lewis has built a career around women and money. As a Chartered Financial Consultant® (ChFC®) and CFP® Professional, she empowers women to take control of their financial futures. In her role as Managing Director and Chair of the American College Center for Women in Financial Services, she champions diversity within the financial services industry.    In 2024, Lewis was honored with the Female Trailblazer of the Year award by InvestmentNews, recognizing her significant contributions to financial education and her efforts to change the demographics of client-facing advisors in finance. Additionally, she was named one of Aspioneer's Inspiring Leaders in Finance for 2024, underscoring her leadership and influence in the sector.    Lewis led the Women Working in Wealth® initiative, which included a community, podcast, and exclusive events aimed at supporting and advancing women in the financial sector. Her dedication has previously earned her a place on InvestmentNews's 2021 40 Under 40 list and the Excell Represents Rising Star Woman in Wealth Management award.    Beyond her professional endeavors, Lewis volunteers with $AVVY Ladies, a pro-bono financial planning nonprofit organization. She holds dual degrees in Personal Financial Planning and an MBA from Utah Valley University. Outside of her professional commitments, she enjoys practicing yoga, staying active through regular workouts, and cherishing time with her family as a mother of two.    Lindsey Lewis has built a career around women and money. She not only helps women take charge of their finances as a Chartered Financial Consultant® (ChFC®) and CFP® Professional, but she also stands as a champion for diverse women in the financial services industry in her role as Managing Director and chair of the American College Center for Women in Financial Services, a premier Center of Excellence focused on research and advocacy within The American College of Financial Services. At the forefront of industry transformation, she co-chairs The College’s Next Gen Advisory Taskforce, attracting new talent and fostering inclusivity.   Lewis leads the Women Working in Wealth® social media channels, podcasts, and exclusive events. Because of her efforts, Lewis has been honored with the 2023 Investment News Hot List and 2021’s Investment News 40 Under 40 list. Lewis was also recognized as the recipient of Excell Represents Rising Star Woman in Wealth Management. She also volunteers with $AVVY Ladies, which is a pro-bono financial planning nonprofit, and holds two degrees from Utah Valley University: Personal Financial Planning and MBA.     In her free time, she enjoys practicing yoga, working out, and spending time with her family as a mom of two kids.

Alex Koury | Episode #22

TODAY'S GUEST | ALEX KOURY LinkedIn: www.linkedin.com/in/alexanderkourycfp [https://www.linkedin.com/in/alexanderkourycfp/]