Fearless Money Talks

Halbert Hargrove

Tired of money being a taboo topic? Welcome to Fearless Money Talks, featuring Halbert Hargrove's Co-Chief Investment Officer, Brian M. Spinelli, CFP®, AIF®, and Managing Director of Growth and Client Experience, Kelli Kiemle, AIF®. Get ready for candid, fear-free discussions on helping your money work for you, navigating market ups and downs, and planning for your retirement. Want to learn more about Halbert Hargrove? Click the link below to visit our website today. Our Website: HalbertHargrove.com

  1. 1d ago

    29. Working Longer vs. Retiring: How to Decide What's Next

    There may come a point in your career when the question shifts from "How much more can I earn?" to "Is earning more still worth it?" In this episode of Fearless Money Talks, Brian and Kelli explore the difficult decision of whether to stay in a career to help maximize your pension, compensation, or retirement savings, or step away sooner to make more room for the life you want to live. They discuss how financial planning can help put the tradeoffs into perspective, including whether giving up future income may prevent you from reaching your goals. But the numbers are only part of the decision. Stress, healthspan, family, personal fulfillment, and how you plan to spend your time all deserve a place in the conversation. Brian and Kelli also explore alternatives to an all-or-nothing career change, from reducing hours and redefining responsibilities to testing new interests and making smaller changes that may help improve your quality of life today. Because sometimes the most important question isn't how much more you could accumulate. It's what you're accumulating it for. Connect with us!  Kelli Kiemle on LinkedInBrian Spinelli on LinkedInHalbert Hargrove Website

  2. Aug 18

    28. Succession Planning: Building a Lasting Legacy with Cecilia Williams

    Building a successful business is an accomplishment. Building one that continues to thrive for generations requires an entirely different level of planning. In this episode of Fearless Money Talks, Brian and Kelli welcome Halbert Hargrove COO Cecilia Williams for a conversation about succession planning, leadership development, and creating an organization that can continue to grow long after today's leaders step aside. They discuss why succession planning begins years before a transition ever occurs, how mentoring and accountability help prepare future leaders, and why organizations tend to be stronger when responsibilities are shared across a team rather than concentrated in a single individual. The conversation also explores talent development, employee motivation, and how thoughtful leadership transitions seek to benefit both clients and employees. Whether you're building a business, leading a team, or thinking about the future of your organization, this episode offers practical insights into creating a legacy designed to last. Connect with us!  Kelli Kiemle on LinkedInBrian Spinelli on LinkedInCecilia Williams on LinkedInHalbert Hargrove Website

  3. Aug 4

    27. How Much Is Enough to Retire?

    One of the most common questions in retirement planning is also one of the hardest to answer: "How much money do I need to retire?" The reality is that there's no universal number or withdrawal strategy that works for everyone. Your retirement goals, spending habits, investment approach, and lifestyle all play a role in determining what "enough" looks like. In this episode of Fearless Money Talks, Brian and Kelli discuss the fear of running out of money, the limitations of relying on rules of thumb like the 4% rule, and why thoughtful financial planning goes far beyond choosing a target savings balance. They also explore how budgeting, lifestyle inflation, retirement timing, and spending priorities influence long-term financial security. Whether you're decades away from retirement or already drawing income from your portfolio, this conversation offers practical ideas for building a retirement plan that reflects your goals and can help you make more confident financial decisions. Connect with us!  Kelli Kiemle on LinkedInBrian Spinelli on LinkedInHalbert Hargrove Website

  4. Jul 21

    26. Looking for a Financial Advisor? Start With These Questions from Angela Renee

    The search for a financial advisor tends to start by comparing investment performance, credentials, or fees. Those things matter, but they rarely determine whether a relationship will be successful over the long term. In this episode of Fearless Money Talks, Brian and Kelli welcome back Angela Renee, Senior Administrative Director at Halbert Hargrove, to discuss what separates a good financial advisor from a great one. Together, they explore why meaningful financial planning starts with understanding a person's goals, concerns, relationships, and values before focusing on portfolios or performance. The conversation also looks at what a thoughtful discovery process should feel like, why couples can uncover different priorities during financial planning discussions, and how the right advisor can provide guidance through life's biggest transitions, not just investment decisions. Whether you're hiring an advisor for the first time or wondering if your current relationship is meeting your needs, this episode offers practical ideas for finding someone who listens first, communicates clearly, and helps you make more confident financial decisions. Connect with us!  Kelli Kiemle on LinkedInBrian Spinelli on LinkedInAngela Renee on LinkedIn Halbert Hargrove Website

  5. Jul 7

    25. 3 DIY Investing Mistakes

    Doing it yourself can be a great way to build wealth. In fact, many DIY investors have done exactly that. But success can also create new challenges that aren't always obvious until years later. In this season finale of Fearless Money Talks, Brian and Kelli walk through some of the most common mistakes they see when self-directed investors eventually seek professional advice. The conversation covers why taxes shouldn't dictate your investment strategy, how years of strong market returns can quietly leave a portfolio carrying more risk than intended, and why diversification isn't a one-time decision but something that should evolve alongside your life. Brian also explains why risk isn't simply about taking too much of it. Sometimes a bigger mistake can be taking too little. The discussion explores how inflation can quietly erode purchasing power, why staying in cash can become its own long-term risk, and how past market downturns continue to shape investor behavior years after they've recovered. The episode wraps up with an often-overlooked topic: concentration risk. Whether it's years of accumulated company stock, an overreliance on one asset class, or simply letting a winning investment grow unchecked, concentration can expose investors to unnecessary risk just when they're approaching retirement or beginning to rely on their portfolio for income. It's a practical conversation for anyone managing their own investments, offering perspective on how investment strategies should adapt as markets change, life changes, and financial goals evolve. Contact Us to Learn More About Our Fiduciary Financial Services  Explore more Fearless Money Talks episodes Connect with us!  Kelli Kiemle on LinkedInBrian Spinelli on LinkedInHalbert Hargrove Website

  6. Jun 23

    24. Can AI Replace Your Financial Advisor? Tyler Gilley Explains Where It Can Fall Short

    AI can summarize an article, build a budget, explain a Roth conversion, and answer almost any financial question you can think of in seconds. So what happens when investors start asking a bigger question: do they still need a financial advisor? In this episode of Fearless Money Talks, Brian and Kelli sit down with Halbert Hargrove Wealth Advisor Tyler Gilley to explore where AI can be useful, where it can fall short, and why the future of financial advice is likely more human, not less. Tyler explains why the quality of an AI answer depends heavily on the quality of the question being asked, how better prompts help lead to better answers, and why context matters more than investors may realize. The conversation explores the difference between information and advice, how advisors can help uncover the details clients may not think to mention, and why understanding a person's goals, fears, relationships, and life circumstances can change the guidance they receive. The discussion also tackles one of AI's biggest blind spots: confirmation bias. AI is designed to help answer questions rather than challenge assumptions, which can reinforce existing beliefs during periods of market uncertainty. The team also explores the role trust, empathy, and lived experience play when clients are navigating major life events, market volatility, or difficult financial decisions. AI is becoming a powerful tool. Check out this episode to explore why that may make human judgment, perspective, and meaningful conversations even more valuable. Connect with us!  Kelli Kiemle on LinkedInBrian Spinelli on LinkedInTyler Gilley on LinkedIn Halbert Hargrove Website

  7. Jun 9

    23. Don't Buy a Business Without Asking These Questions First with David Koch

    Buying a business sounds like the move. Be your own boss. Generate income. Maybe even step back and let it run. But most people walk into the process not knowing what they don't know, and that gap can cost them. This episode of Fearless Money Talks brings in David Koch, senior wealth advisor and director of portfolio management at Halbert Hargrove, for a candid conversation about what smart business buyers do before they sign anything. David walks through what he looks for when a client comes to him with a deal on the table and it goes well beyond the numbers. There's a question he recommends asking every seller that sounds like small talk but can tell you how dependent the business is on one person. There's a reason he assumes the books are ugly until proven otherwise. And there's a cost you should probably pay before spending millions that buyers may skip because it feels expensive. The conversation also covers customer concentration risk, what "passive income" looks like in practice versus in theory, how roll-ups work, and ways to structure a deal so the seller doesn't vanish the moment the wire hits. If you've ever thought seriously about buying a business or you're already in the middle of it, this episode can help with what you look for. Connect with us!  Kelli Kiemle on LinkedInBrian Spinelli on LinkedInDavid Koch on LinkedInHalbert Hargrove Website

  8. May 26

    22. It’s Not About the Money: How to Talk to Your Parents About “The Plan”

    Talking to your parents about money sounds like it should be straightforward. It’s not. This episode of Fearless Money Talks takes on one of the most uncomfortable financial conversations out there: inheritance. Or more accurately, everything around it that isn’t really about the money. Kelli Kiemle and Brian Spinelli unpack why most people aren’t usually asking “What do I get?” They’re asking, “Are my parents going to be okay?” and “What happens if they’re not?” Brian walks through how these conversations show up in real life, from adult children worried about becoming caregivers to parents who aren’t sure how much to share and when. There’s a practical breakdown of ways to approach the discussion, whether that’s talking through account values, introducing key advisors, or just making sure someone knows where the documents are kept. They also get into what can go sideways, what a “prepared” parent can look like beyond a will, and why retirement lasting 30-40 years has changed the entire equation. And throughout it all, there’s a consistent theme: if you’re going to start this conversation, lead with empathy. Because the moment it feels like it’s about the money, it’s already off track. It’s not a fun topic. But it might be one of the most important conversations you avoid, until you can’t. Connect with us!  Kelli Kiemle on LinkedInBrian Spinelli on LinkedInHalbert Hargrove Website

See All (29)

5
out of 5
21 Ratings

About

Tired of money being a taboo topic? Welcome to Fearless Money Talks, featuring Halbert Hargrove's Co-Chief Investment Officer, Brian M. Spinelli, CFP®, AIF®, and Managing Director of Growth and Client Experience, Kelli Kiemle, AIF®. Get ready for candid, fear-free discussions on helping your money work for you, navigating market ups and downs, and planning for your retirement. Want to learn more about Halbert Hargrove? Click the link below to visit our website today. Our Website: HalbertHargrove.com

Information

  • Creator
    Halbert Hargrove
  • Years Active
    2025 - 2026
  • Episodes
    29
  • Rating
    Clean
  • Copyright
    © 2026 Fearless Money Talks
  • Show Website
    Fearless Money Talks