The Financial Leadership Podcast

David Afraimi | Co-Founder and CEO, BAM Advisory Group
  • 5.0 (11)
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Welcome to the "The Financial Leadership Podcast" hosted by David Afraimi, Investment Advisor Representative and Founder of BAM Advisory Group, where we focus on helping you protect your most valuable asset—YOUR TIME. Each episode unpacks the key pillars of retirement: Income, Investments, Taxes, Legacy, and Health Care, through our BAM Retirement Gameplan™. We provide actionable insights and expert advice to help you make informed financial decisions, so you can retire with confidence and peace of mind. Secure your future, protect your family, and live life on YOUR terms.

  1. May 9

    Episode 48: Mortgage Insider Reveals What Lenders Won't Tell You

    Think your low Covid-era mortgage rate is "trapping" you in your home — or that you can't buy until rates drop? A 20-year mortgage insider says you may be wrong on both counts. In this episode of The Financial Leadership Podcast, David Afraimi sits down with mortgage professional Jacalyn Forleo to unpack what's really happening in today's housing market — and why the smartest buyers and sellers are moving NOW instead of waiting on the sidelines. From the 20% down myth, to down payment assistance most people don't know they qualify for, to creative ways parents can help their adult children buy a home — this is the conversation every pre-retiree, near-retiree, and family with kids in the housing market needs to hear. 🔑 KEY TAKEAWAYS Why your interest rate shouldn't be the deciding factor the monthly payment is what mattersThe truth about the 20% down myth and how PMI can actually work in your favorHow Colorado's CHFA down payment assistance program works (and the surprising income limits)Creative ways parents can help kids into their first home — including HELOCs and cosigningRed flags that signal a lender is more interested in commission than your best interest BAM Advisory Group is an independent financial services firm assisting individuals preparing for retirement through the use of investments and insurance products. Insurance products and services provided by BAM Advisory Group. Investment Advisory Services offered through its affiliate, BAM Wealth Management, LLC, a Registered Investment Adviser. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

  2. Mar 1

    Episode 47: What Your CPA May Not Be Telling You About Retirement Taxes

    A licensed CPA reveals some of the most common - and most costly - tax mistakes retirees make, and why your CPA and financial planner may not be talking enough. In this episode of the Financial Leadership Podcast, David sits down with Jonathan Solsbery, CPA and founder of Solsbery CPA, to break down some common retirement tax issues many people don't think about until it's too late. From the impact of the One Big Beautiful Bill to inherited IRA rules under SECURE Act 2.0, Roth conversion strategy, and why a tax refund might not be the good news you think it is - this conversation is a candid look at what proactive tax planning actually looks like when your CPA and financial advisor work together. Individual tax situations vary significantly - consult a qualified tax professional before acting on any information discussed in this episode. KEY TAKEAWAYS The most expensive tax mistake retirees make isn't necessarily about day-to-day income mismanagement – it could be failing to plan ahead of major events like selling a business, receiving an inheritance, or making a large withdrawal. By the time many people bring it to a CPA, the window to act has already closed.A financial planner and a CPA serve different but complementary roles. A financial planner focuses on forward-looking tax mitigation strategy; a CPA ensures accuracy, compliance, and year-specific execution. When they don't communicate, the client may absorb the potential consequences of any gaps.The One Big Beautiful Bill includes significant changes to the SALT deduction cap - potentially impactful for many itemizing taxpayers - as well as updates to estate tax exemptions and certain retirement planning provisions.Under SECURE Act 2.0, most non-spouse beneficiaries who inherit an IRA are now subject to a 10-year distribution window - which can create significant tax exposure depending on the beneficiary's income situation. This is a complex area; consult a tax professional for guidance specific to your situation.Roth conversions aren't just a tax strategy - they can be a legacy planning tool. Converting pre-tax IRA assets at a favorable rate today may reduce the tax burden passed on to beneficiaries, particularly under the inherited IRA 10-year rule.Want to know if your CPA and financial advisor are working together the way they could be? Schedule a no-cost, no-obligation 15-minute call with a BAM advisor to see what proactive tax planning looks like in practice: 👉www.bamadvisorygroup.com 🌐 Learn more about Jonathan Solsbery, CPA: 👉 www.solsberycpa.com BAM Advisory Group is an independent financial services firm assisting individuals preparing for retirement through the use of investments and insurance products. Insurance products and services provided by BAM Advisory Group. Investment Advisory Services offered through its affiliate, BAM Wealth Management, LLC, a Registered Investment Adviser. We are not affiliated with Solsbery CPA, or with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

  3. Feb 12

    Episode 46: 25 Years, One Mission. The Real Story Behind BAM Advisory Group

    For more than 25 years, David and Kristy Afraimi have been building something bigger than a financial planning firm.In this episode, they share the real story behind BAM Advisory Group — from moving to Colorado with a young family, surviving the 2008 financial crisis, nearly losing everything, rebuilding with intention, and ultimately creating a championship team culture built to last beyond them.This isn’t just a conversation about money.It’s about:• Why a 401(k) is NOT a retirement plan• What 2008 taught them about vision and culture• The biggest misconception about retirement• Why “retire with confidence” means more than having a pile of money• Building Gen 2 and Gen 3 leaders• Creating the “Uber of financial planning”• Why trust is the real differentiator in financial services• The power of hospitality over a basic service model• Digital, AI, and the future of financial adviceYou’ll also hear about:– The BAM Gala and what it revealed about their impact– Winning Best of Mile High Planning 2025– How they define their ideal client– What makes BAM unapologetically authentic– Why culture beats strategy in the long runIf you’ve ever wondered what it really takes to build a firm that survives market crashes, evolves through COVID, scales a team, and still keeps the human element at the center — this episode is for you.At BAM Advisory Group, the mission is simple:Empower each person to have a healthy and confident relationship with money so they can live freely, give generously, and face the future with peace of mind.If you're thinking about retirement, navigating market uncertainty, or just want to make sure you’re not walking into your most important years without a real plan — this conversation will challenge the way you think about wealth.Your support helps us reach more people and provide more value! Don’t forget to comment if you have any questions or want to share your own experience with retirement planning.Visit WWW.BAMADVISORYGROUP.COM to schedule your no-cost, no-obligation call with a BAM Advisor. ◆ For more information, please email our team: info@bamadvisorygroup.com #FinancialAdvisor #FinancialPlanning #RetirementPlanning #InvestmentPlanning #ThreeBucketStrategy #RetirementIncome #IncomePlanning#BAMAdvisoryGroupBAM Advisory Group is an independent financial services firm assisting individuals preparing for retirement through the use of investments and insurance products. Insurance products and services provided by BAM Advisory Group. Investment Advisory Services offered through its affiliate, BAM Wealth Management, LLC, a Registered Investment Adviser. We are not affiliated with any government agency, and do not provide tax or legal advice or services.This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

  4. Jan 27

    EPISODE 45: Why Successful People Struggle in Retirement

    Cash feels safe. Staying busy feels productive. Chasing performance feels smart. But all three could quietly sabotage your retirement—and the reasons why might surprise you.In this video, David Afraimi shares insights from over 26 years as a financial advisor, revealing the overlooked psychological and financial challenges that catch even successful professionals off guard when they retire.You'll learn:→ The real framework for building long-term financial confidence→ Why holding too much cash may actually be one of your biggest risks→ The emotional gap retirees face when workplace validation disappears—and 6 strategies to navigate it→ How to shift from measuring accomplishment to measuring fulfillmentWhether you're approaching retirement or already there, understanding these dynamics could change the way you think about this next chapter of life.Visit WWW.BAMADVISORYGROUP.COM to schedule your no-cost, no-obligation call with a BAM Advisor. ◆ For more information, please email our team: info@bamadvisorygroup.com #FinancialAdvisor #FinancialPlanning #RetirementPlanning #InvestmentPlanning #ThreeBucketStrategy #RetirementIncome #IncomePlanning#BAMAdvisoryGroupBAM Advisory Group is an independent financial services firm assisting individuals preparing for retirement through the use of investments and insurance products. Insurance products and services provided by BAM Advisory Group. Investment Advisory Services offered through its affiliate, BAM Wealth Management, LLC, a Registered Investment Adviser. We are not affiliated with any government agency, and do not provide tax or legal advice or services.This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

  5. Jan 20

    Episode 44: The Two Life Events That Can Reshape Your Retirement Taxes

    Many retirement plans assume life stays predictable. But there are major life events that can quietly reshape your retirement taxes—often at the worst possible time—if you’re not prepared. In this video, we walk through two such life events:→ The two life changes that most commonly affect retirement taxes→ Why tax brackets can change after major life transitions→ How retirement income may be taxed differently when circumstances change→ Common planning mistakes people make without realizing the long-term impact→ Steps that may help reduce tax surprises before they occur This isn’t about fear or worst-case scenarios.It’s about understanding how the tax system works so you can make informed decisions and protect your long-term retirement income. If you’re approaching retirement—or already retired—this is an important conversation to have before life forces it on you.BAM Advisory Group is an independent financial services firm assisting individuals preparing for retirement through the use of investments and insurance products. Insurance products and services provided by BAM Advisory Group. Investment Advisory Services offered through its affiliate, BAM Wealth Management, LLC, a Registered Investment Adviser. We are not affiliated with any government agency, and do not provide tax or legal advice or services.This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

  6. 12/05/2025

    Episode 43: How to Stay Strong, Mobile, and Independent as You Age – with Breanna Barney, PT

    Many people assume that aging means inevitable decline. But according to Breanna Barney—a licensed physical therapist who specializes in working with older adults—there’s more within your control than you might think. In this conversation, Breanna shares practical insights into maintaining strength, mobility, and independence through your 60s, 70s, and beyond. We cover: How even one fall after age 65 can lead to significant life changes Early habits that may contribute to mobility decline—and ways to counteract them The importance of daily movement routines and realistic strength-building at any age Why mindset, purpose, and structure are critical to long-term wellbeing How muscle health supports balance, cognition, and independence Key signs families should watch for around caregiving needs Whether you’re planning for retirement or already in it, this conversation highlights proactive steps that may help you stay active and confident as you age. → To learn more about Breanna Barney: www.vipseniorcarespecialists.com Phone: 567-454-1046 Email: Breannapt.vip@gmail.comReady to discuss how your financial plan can support your lifestyle and health goals? Schedule a retirement confidence call with one of our advisors by visiting www.bamadvisorygroup.com BAM Advisory Group is an independent financial services firm assisting individuals preparing for retirement through the use of investments and insurance products. Insurance products and services provided by BAM Advisory Group. Investment Advisory Services offered through its affiliate, BAM Wealth Management, LLC, a Registered Investment Adviser. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

  7. 11/17/2025

    Episode 42: Will vs. Trust: What Every Homeowner Needs to Know with Attorney Andrew Kroll

    In this episode of the Financial Leadership Podcast, host David Afraimi sits down with estate planning attorney Andrew Kroll to explore one of the most important and often misunderstood parts of financial planning: wills and trusts. Andrew explains why estate planning is not just for the wealthy and how a well-structured plan can help minimize delays, avoid probate, and protect your wishes—especially if you own real estate or have beneficiaries. Learn the key differences between wills and revocable trusts, the role of guardianship for minor children, and common misconceptions that cause families legal and financial stress. Whether you're just getting started or reviewing an existing plan, this episode offers insights into: When a will may fall shortWhy privacy matters in estate planningHow to avoid unnecessary court involvementBasic trust structures for incapacity or complex family dynamicsRecent federal estate tax thresholds and what they mean for planning This discussion is for educational purposes only. Always consult with a qualified estate planning attorney or financial advisor regarding your personal situation. BAM Advisory Group is an independent financial services firm assisting individuals preparing for retirement through the use of investments and insurance products. Insurance products and services provided by BAM Advisory Group. Investment Advisory Services offered through its affiliate, BAM Wealth Management, LLC, a Registered Investment Adviser. We are not affiliated with any government agency, and do not provide tax or legal advice or services. BAM Advisory Group is not affiliated with Andrew Kroll or Kroll Law Offices. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

  8. 10/11/2025

    Episode 41: Buffered ETFs Explained: Downsides, Upsides & Retirement Strategies | Michael Capizzi Interview

    Buffered ETFs: Risks, Benefits & How They Fit Might Into Retirement Portfolios Can you limit downside exposure and still participate in potential market growth? In this episode, David Afraimi sits down with Michael Capizzi, Managing Director at Vest, to explain how Buffered ETFs — also known as Defined Outcome ETFs — are being used by both retirees and younger investors when appropriate to help navigate market volatility with more structure and transparency. You’ll discover: ●  What Buffered ETFs are and how they function ●  How they’re constructed to define downside protection and upside caps ●  When they may complement fixed income, annuities, or traditional ETFs ●  How Buffered ETFs responded during high-volatility markets like 2022 ●  How different clients—from those in distribution to accumulation—may use them ●  Tax efficiency considerations If you're looking for tools that may provide a level of predictability in an unpredictable market, this episode offers a deep dive into how these products work — and where they may (or may not) fit in a diversified retirement strategy. BAM Advisory Group is an independent financial services firm assisting individuals preparing for retirement through the use of investments and insurance products. Insurance products and services provided by BAM Advisory Group. Investment Advisory Services offered through its affiliate, BAM Wealth Management, LLC, a Registered Investment Adviser. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.

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About

Welcome to the "The Financial Leadership Podcast" hosted by David Afraimi, Investment Advisor Representative and Founder of BAM Advisory Group, where we focus on helping you protect your most valuable asset—YOUR TIME. Each episode unpacks the key pillars of retirement: Income, Investments, Taxes, Legacy, and Health Care, through our BAM Retirement Gameplan™. We provide actionable insights and expert advice to help you make informed financial decisions, so you can retire with confidence and peace of mind. Secure your future, protect your family, and live life on YOUR terms.

Information

  • Creator
    David Afraimi | Co-Founder and CEO, BAM Advisory Group
  • Years Active
    2024 - 2026
  • Episodes
    47
  • Rating
    Clean
  • Copyright
    © David Afraimi | Co-Founder and CEO, BAM Advisory Group
  • Show Website
    The Financial Leadership Podcast