How Identity Shapes Money Decisions with Carl Richards

Intentional Leadership and Inclusion in Wealth Management with Marcel V. Quiroga

Marcel V. Quiroga, CEO of TQM Wealth Partners, is a trailblazer with a personal, purpose-driven approach to financial planning. Marcel's journey as a single mother, daughter of immigrants, and woman navigating a male-dominated industry, highlights her philosophy of authenticity and inclusion. Her focus on empathy, connection, and actionable steps challenges traditional norms, encouraging financial professionals to move beyond transactional advising toward enhancing clients' overall quality of life. In this episode of the Heart of Advice Podcast, Marcel explains how her leadership style, shaped by her experiences overcoming cultural and systemic barriers, prioritizes empathy, listening, and creating opportunities for others. Marcel stresses that financial advising is not just about numbers but about empowering clients, fostering trust, and aligning financial strategies with values, healing, and dignity. Her mantra "If you don’t have a seat at the table, build your own," symbolizes her belief in breaking barriers and creating inclusive opportunities for representation within the finance industry.

Pathways to Scaling Financial Advice with Jamie Hopkins

Jamie Hopkins, Esq., LLM, CFP®, ChFC®, CLU®, RICP®, Chief Wealth Officer at Bryn Mawr Trust and WSFS, turned personal tragedy—the loss of his father at a young age—into a mission to make financial advice accessible to working-class families. His varied career, from law to academia and corporate leadership, is grounded in this purpose. He co-created the Retirement Income Certified Professional® (RICP®) program, transforming retirement education with scalable, digital, and practitioner-led content that has impacted thousands of advisors. Jamie champions a flat leadership structure that empowers frontline advisors and builds trust through accountability. Through the FinServ Foundation, he addresses industry diversity and the advisor shortage by providing mentorship, coaching, and access to underrepresented talent. Jamie highlights the evolving role of advisors as trusted guides amid increasing technology use and aims to double his firm’s business in three years. His story shows how purpose-driven leadership and innovative solutions can broaden the reach of financial services and foster lasting client relationships.

How Identity Shapes Money Decisions with Carl Richards

Carl Richards started The Sketch Guy [https://www.nytimes.com/column/sketch-guy] column in The New York Times from the hills of Utah, crafting clear, relatable insights about money with just card stock and a Sharpie. Since then, Carl has become a Certified Financial Planner™, built and sold a successful investment firm, and spoken at financial and investment events worldwide. His bestsellers, The Behavior Gap [https://www.amazon.com/Behavior-Gap-Simple-Doing-Things/dp/B08XLNZVPP] and The One-Page Financial Plan [https://www.amazon.com/One-Page-Financial-Plan-Simple-Smart/dp/1591847559/ref=sr_1_1?crid=1KAKUIDXS5O25&dib=eyJ2IjoiMSJ9.3Kw7G3NdwM5rnfOBnFxUPLNxixm7h2lN5FgaTsgBPCeicRNCTvkialnCMMjwBo6ZA6Cbc6oVlUiCTnY-F6uxqwbY8RPBCVr3ff0pd8FwyVp9SBZNnzgZ6xIq2IMHiWNXNyr-NuX_zIPQwBrBYPXBNSxM_z9VE-hm-zJtzwA5sy621Npl73DjcrgcSaCWYqfEBaxViyY2hSQZP2DniOSD17LCXMuxwzOfRYizUiirCjU.mnKYRxRSpP-8z7V64qs-BIillobJVRkIrvi8rTQ2Zck&dib_tag=se&keywords=one+page+financial+plan&qid=1759357683&s=books&sprefix=one+page+financial+plan%2Cstripbooks%2C81&sr=1-1], have been translated into over ten languages and continue to resonate globally. Through his daily podcast, Behavior Gap Radio [https://podcasts.apple.com/us/podcast/behavior-gap-radio/id1034934586], which now has over 1,000 episodes and more than one million downloads, Carl shares new perspectives on aligning our resources with what truly matters. Carl also founded The Society of Advice [https://www.thesocietyofadvice.com/], a community of financial planners dedicated to the craft of advice. His latest audio project, 50 Fires [https://apple.co/47o5vP0], backed by executive producers Chip and Joanna Gaines, explores the intersections of money and meaning with guests like Pete Holmes, David Whyte, Krista Tippett, and his favorite guest by far, his wife, Cori. Learn more about Carl’s work and background here [https://behaviorgap.com/about/]. In this episode, Carl leads an exploration of the intersection of money, identity, and self-actualization. By delving into the psychology behind how people define themselves, he explains how professionals and clients can adopt intentional “forcing functions” to align their behaviors with their aspirations. From investing with purpose to navigating misaligned, aspirational regret, Carl provides practical and philosophical wisdom on becoming the person you strive to be—both for your clients and yourself. He also shares ideas about his new book, Your Money: Reimagining Wealth Through Simple Sketches [https://www.amazon.com/dp/1804091715/].

Helping Clients Make Better Decisions Through Value Alignment with James Werner

James Werner’s twenty-five-plus years in wealth management reflect not only deep expertise but also a genuine passion for helping clients make informed, confident decisions during pivotal moments. As a Certified Financial Planner and Partner at Waverly Advisors, James brings his experience and expertise to Waverly after Silicon Hills Wealth Management, the firm he co-founded with Tom Brown, was acquired by Waverly Advisors, LLC.  In this episode he discusses how he maintains his process of emphasizing the two-way transfer of knowledge between planner and client, an evolving dynamic that ensures financial strategies align with individual values and goals. He also speaks about key lessons learned from seeing his company purchased and merged with another firm. James champions the role of community in financial planning, highlighting how strong connections and shared values can shape outcomes.

Getting Clients Out of Their Heads and Into Their Hearts with Brendan Frazier

Brendan Frazier serves as Chief Behavioral Officer at RFG Advisory, where he leads the integration of behavioral finance into advisor-client relationships. He is also the creator and host of The Human Side of Money Podcast [https://podcasts.apple.com/us/podcast/the-human-side-of-money/id1509519096], a bi‑weekly series offering actionable strategies for advisors seeking to deepen trust, improve communication, and guide clients through emotionally charged financial decisions.  In this episode, Brendan delves into the intersection of personal connection, emotional intelligence, and professional success, with a special focus on the financial advisory world. Through meaningful conversations, Brendan explores the art of building trust and fostering authentic relationships by guiding guests to speak from the heart. Reflecting on his experiences and consulting with thousands of financial professionals, he discusses how working effectively in the planner's role can feel closer to therapy than number-crunching.