Making Hay

Embracing Financial Freedom and Fulfillment: A Journey with Dr. Catherine Carrier, DVM, DACLAM (Ep. 20)

How do you step beyond traditional career paths to find both personal fulfillment and financial freedom? In this episode, Marcia Miller talks with Dr. Catherine Carrier, DVM, DACLAM, a laboratory animal veterinarian and founder of CarrierRx and CABS LLC, about her non-traditional journey. Dr. Carrier shares her career evolution from military service to entrepreneurship, offering insights into overcoming challenges, leveraging unique skills, and maintaining a healthy work-life balance. Dr. Carrier discusses: * Her role as a laboratory animal veterinarian, including the challenges of educating the public on ethical research practices * The decision to pivot from traditional employment to building a consulting and relief business * Strategies for overcoming fears and uncertainties as a single mother entering entrepreneurship * The value of identifying industry gaps, crafting niche services, and delivering quality work to sustain demand * Her approach to balancing professional commitments with personal well-being through structured schedules and setting boundaries * And more! Resources: * MeetWithMarcia.com  [http://meetwithmarcia.com/] * Schedule A Call [https://calendly.com/rfg-mmiller] Connect with Marcia Miller:  * LinkedIn: Marcia Miller [https://www.linkedin.com/in/marcia-miller-cep%C2%AE-rfc%C2%AE-164665175/] * mmiller@rfgadvisory.com [mmiller@rfgadvisory.com]  Connect with Dr. Catherine Carrier:  * LinkedIn: Dr. Catherine Carrier [https://www.linkedin.com/in/catherine-carrier-dvm-daclam-a9a28618] * Comparative Animal Behavior Solutions [https://www.cabs-llc.com/] About Our Guest: Dr. Cathy Carrier graduated from the University of Wisconsin Veterinary School, and then served in the US Army Veterinary Corp at multiple R&D sites. Most of her career has been spent working in fast paced CROs, academia, and animal production facilities where she achieved ACLAM board certification by the experience route. Today, she has her own business offering onsite clinical laboratory animal veterinary relief and consulting.

Balancing Financial Wisdom and Emotional Well-being with Brendan Frazier (Ep. 19)

Achieving financial success involves understanding and managing your financial decisions, which can be influenced by your emotions and behaviors. How can you improve your relationship with money while staying true to your values? In this episode, Marcia Miller chats with Brendan Frazier, the Chief Behavioral Officer at RFG Advisory, about mastering the emotional and psychological aspects of money management.  With over 25 years in financial services and additional insights from Brendan’s Human Side of Money podcast, you’ll learn strategies to shift from saving to spending and ways to incorporate behavioral finance into your financial planning. They discuss:  * Strategies for shifting from being a saver to a spender in retirement * The importance of mental accounting in achieving financial goals * How clarity and vivid visioning can change your financial behavior * Identifying and aligning your life’s purpose with your financial decisions * And more! Resources: * MeetWithMarcia.com  [http://meetwithmarcia.com/] * Schedule A Call [https://calendly.com/rfg-mmiller] Connect with Marcia Miller:  * (205) 795-2013 * LinkedIn: Marcia Miller [https://www.linkedin.com/in/marcia-miller-cep%C2%AE-rfc%C2%AE-164665175/] * mmiller@rfgadvisory.com [mmiller@rfgadvisory.com]  Connect with Brendan Frazier: * LinkedIn: Brendan Frazier [https://www.linkedin.com/in/brendanfrazier/] * Podcast: The Human Side of Money [https://open.spotify.com/show/6J7HMz0kuCJ8CgsE4HeMdx] About our Guest:  Brendan Frazier is the Chief Behavioral Officer at RFG Advisory. He joined RFG after founding Wired Planning, a global training platform for financial advisors. Brendan utilizes his knowledge in behavioral finance to assist RFG advisors and their clients. He holds a BBA in Marketing from Belmont University.

Creating a Lifestyle Veterinary Practice with Dr. Eve Harrison (Ep. 18)

The thought of starting your own veterinary practice can be daunting, especially if you have already experienced the fast-paced work ethic needed in the veterinary field. Although that may sound stressful, with the right guidance, opening your own practice could offer you more freedom and time to pursue your other passions. Join your host Marcia Miller, CEP®, RFC® as she speaks with Dr. Eve Harrison, founder of The House Call Vet Academy. Uncover the balance between professional and personal life, the concept of a lifestyle practice, and the steps veterinarians can take if they feel overwhelmed or unhappy in their current roles. Eve shares her journey from burnout to building a sustainable and fulfilling mobile practice, emphasizing the importance of setting boundaries and seeking support.  Marcia and Eve discuss:  * The definition of a ‘lifestyle veterinary practice’ and how it can prevent burnout * Eve’s personal story of transformation from a traditional practice to a fulfilling house call practice * The importance of financial planning and seeking professional support when considering a shift in your veterinary career * The House Call Vet Academy and the resources it offers for building a successful house call practice * And more!   Resources: * MeetWithMarcia.com  [http://meetwithmarcia.com/] * Schedule A Call [https://calendly.com/rfg-mmiller] * The House Call Vet Academy [https://www.dreveharrison.com/]  Connect with Marcia Miller:  * LinkedIn: Marcia Miller [https://www.linkedin.com/in/marcia-miller-cep%C2%AE-rfc%C2%AE-164665175/] * mmiller@rfgadvisory.com [mmiller@rfgadvisory.com]  Connect with Dr. Eve Harrison:  * LinkedIn: Eve Harrison [https://www.linkedin.com/in/eve-harrison-61804b1b6/] * Instagram: Eve Harrison [https://www.instagram.com/the_house_call_vet_academy/p/C7o6oNWJmln/] * info@dreveharrison.com [info@dreveharrison.com]   About Our Guest:  Dr. Eve Harrison is the founder of The House Call Vet Academy.  After graduating from vet school, Eve spent years immersed in the demanding environments of clinics, hospitals, emergency rooms, and operating theaters. The long hours left her feeling burnt out, nearly prompting her to abandon the profession altogether. Struggling with an imbalanced work-life situation, she realized the necessity of finding a more sustainable approach to caring for her patients, their caregivers, and herself. Driven by this realization, she made the decision to establish her own house call veterinary practice, adhering to her personal vision. Today, Eve provides a nurturing and supportive environment, guiding others in crafting their own distinctive veterinary practices, tailored to their individual preferences and principles.

How Long-Term Care Insurance Can Help Safeguard Your Future with Alecia Barnette (Ep. 17)

Are you prepared for the potential need for long-term care? Listen in as Marcia Miller sits with special guest Alicia Barnett, a certified specialist in long-term care as they discuss essential aspects of long-term care insurance. This episode covers different types of insurance, common misconceptions, and the importance of integrating these plans into your financial strategy. Learn how early planning and the right choices can ensure financial stability and family harmony when long-term care is needed. Key Highlights: * Exploring Insurance Options: Discover the pros and cons of traditional vs. asset-based long-term care policies * Overcoming Challenges: Learn why older traditional policies might still be your best bet * Professional Advice: Find out why keeping your current policy could save you in the long run * Dispelling Misconceptions: Uncover the hidden costs of self-insuring and how to protect your family * Planning Ahead: See why integrating long-term care into your financial plan is essential * Tax Benefits: Explore how long-term care insurance can save you money on taxes * Timing is Key: Discover why buying long-term care insurance young is a smart move * Simplifying Underwriting: Find out which type of policy has the most flexible underwriting * And much more!   Resources: * MeetWithMarcia.com  [http://meetwithmarcia.com/] * Schedule A Call [https://calendly.com/rfg-mmiller] Connect with Marcia Miller:  * LinkedIn: Marcia Miller [https://www.linkedin.com/in/marcia-miller-cep%C2%AE-rfc%C2%AE-164665175/] * mmiller@rfgadvisory.com [mmiller@rfgadvisory.com]  Connect with Alecia Barnette:  * LinkedIn: Alecia Barnette [https://www.linkedin.com/in/alecia-barnette-97680825/] * Website: Team Barnette [https://www.teambarnette.figmarketing.com/]   About Our Guest:  An Appalachian State and Gardner-Webb alumna, Alecia is a national speaker with over 20 years of care planning experience, highlighted by her Certification for Long-Term Care (CLTC). Alecia began working as the Health Marketing Director at The Insurance Center in Charlotte, NC in 1995. Three years later, The Insurance Center and Financial Independence Group, Inc. merged; overseeing the entire transition and bringing our health insurance business to unprecedented heights. Now the Senior Vice President in the Care Planning department, Alecia’s 20+ years of experience is evident to advisors across the country. Specializing in providing asset-based LTC case designs to highly successful advisors, Alecia’s main purpose is to assist advisors in protecting their clients and their client’s families from the physical and emotional consequences of unexpected care needs. Alecia’s use of holistic approaches and strong ethics – along with her desire to grow and solid commitment – make her an invaluable asset to any financial advisor seeking care planning assistance.

How to Choose the Right Financial Advisor for Your Business with Matt Byars (Ep. 16)

Are you sure you’ve got the right financial advisor to help navigate your veterinary practice’s future? Join host Marcia Miller along with Matt Byars as they dig into the critical questions you should ask before hiring a financial advisor, and what to expect once you’re in the partnership. Tune in to hear their personal stories from the clinic and beyond, and discover why alignment, transparency, and trust are as crucial in finance as they are in vet med. Marcia and Matt discuss:  * Important details to ask a possible advisor about such as education, experience, and investment philosophy * The importance of clarifying the services offered by advisors * How to ask about and understand advisor compensation structures * Meeting frequency and general communication for maintaining a healthy relationship and financial plan * And more   Resources: * MeetWithMarcia.com  [http://meetwithmarcia.com/] * Schedule A Call [https://calendly.com/rfg-mmiller] Connect with Marcia Miller:  * LinkedIn: Marcia Miller [https://www.linkedin.com/in/marcia-miller-cep%C2%AE-rfc%C2%AE-164665175/] * mmiller@rfgadvisory.com [mmiller@rfgadvisory.com]  Connect with Matt Byars:  * LinkedIn: Matthew Byars [https://www.linkedin.com/in/matthew-byars-023991136/] * mbyars@rfgadvisory.com [mbyars@rfgadvisory.com]    About Our Guest:  Matt Byars is a seasoned wealth management professional currently working at RFG Advisory whose journey began with a Finance major at UAB, followed by an MBA at Clemson University. He honed his skills on the institutional asset management side for the London Stock Exchange in Charlotte and New York City. Five years later, he realized the missing piece was a connection to community and family, prompting a return to Birmingham. Now, in collaboration with Marcia, Matt is committed to serving clients in wealth management. Their work over the past few years has been exceptionally rewarding, making a positive impact on clients’ lives. Matt’s expertise, coupled with a genuine dedication to building connections, reflects his commitment to fostering meaningful community relationships.