Planning & Beyond®

Ashley Quamme
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Planning & Beyond® transforms how financial advisors approach client relationships by bridging psychological insights with practical planning strategies. Hosted by Ashley Quamme, a licensed therapist and financial behavior specialist, each episode delivers actionable techniques you can implement in your next client meeting. Unlike traditional financial planning podcasts that focus primarily on technical aspects, Planning & Beyond® explores the behavioral and psychological elements that shape client relationships. Through in-depth conversations with leading experts in behavioral finance, financial psychology, and financial therapy, you'll gain evidence-based strategies to navigate emotional client situations, build lasting trust, and create more meaningful relationships. Whether you're preparing for discovery meetings, helping clients through major life transitions, or looking to deepen client connections, you'll walk away from each episode with practical tools and confident approaches to enhance your practice. Join a community of advisors who understand that exceptional financial planning goes beyond the numbers. Topics include: Mastering discovery and prospect meetingsNavigating difficult money conversationsUnderstanding client psychologyBuilding trust and deepening relationshipsManaging emotional client situationsEnhancing communication skillsDeveloping behavioral finance strategiesSupporting clients through life transitions New episodes release bi-weekly. Subscribe now to transform how you connect with clients.

  1. قبل ٨ ساعات

    50. What Is the Human Side of Money? A 50th Episode Conversation with Brendan Frazier

    Text us to share what you found helpful! You've heard the phrase. It shows up in keynotes, LinkedIn posts, firm marketing, and increasingly, your own conversations with prospects. But if someone put you on the spot and asked what "the human side of money" actually means, could you articulate it? And more importantly, could you tell them what to do about it on Monday morning? For the 50th episode of Planning & Beyond, Ashley zooms way out with Brendan Frazier, Chief Behavioral Officer at RFG Advisory and host of The Human Side of Money podcast. Brendan has been sitting with this exact question since 2017, when reading The Undoing Project cracked open his interest in behavioral finance and set him on a path that quickly outgrew that label. Together, Ashley and Brendan unpack why "behavioral finance" was only ever the gateway, not the destination. They walk through the many dimensions that make up being human (individual, relational, cultural, societal) and how money layers on top of all of them. They draw a distinction that most advisors have never had named for them: the difference between the human side of money (what's happening inside your client) and the human side of advice (how you actually do this work). You'll hear Brendan's honest take on where advisors should start (hint: it's not a four-step framework), Ashley's Five Human Domains as a reframe of traditional planning categories, and the research-backed reason why helping clients vividly picture their future changes behavior in the present. A few ideas you'll walk away with: Why money is a tool to fund the life someone wants to live, and what that means for how you structure conversationsThe "just-in-time learning" approach to building behavioral skills without getting overwhelmedHow to think about security, freedom, connection, legacy, health, and growth as the real planning categoriesWhy communication skills offer the highest ROI of anything you could develop as an advisorThis one is less tool and technique, more map and compass. If you've been doing this work for a while and feel like you're ready to think about it at a different altitude, press play. And thank you, seriously, for being part of 50 episodes. RESOURCES AND GUEST INFORMATION About Brendan Frazier Brendan Frazier is the Chief Behavioral Officer at RFG Advisory and the host of The Human Side of Money podcast, where he has spent hundreds of conversations translating behavioral science, psychology, and communication research into practical tools for financial advisors. His work sits at the intersection of behavior change, client communication, and advisor practice management. Connect with Brendan: The Human Side of Money Podcast: Available on all major podcast platformsLinkedIn: Brendan Frazier (most active, daily content)RFG Advisory: Monthly blog and newsletter on applying the human side of adviceWebsite: rfgadvisory.com Connect with Host Ashley Quamme: Podcast Website: Planning & Beyond®LinkedIn: Ashley Quamme - Licensed Therapist & Financial Behavior SpecialistBeyond the Plan®: Financial psychology integration servicesMonthly Newsletter: Subscribe at BeyondTheFP.comAdvisor Foundations Community: Learn more about the 7 Core Relational Skills by joining our community!

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  2. ٧ مايو

    49. Beyond "Where Are You From?": Building Trust With Foreign-Born Clients with Jane Mepham

    Text us to share what you found helpful! A young couple, dressed up for their first real financial planning meeting, sat across from an advisor who asked about retirement, income, and savings. He never asked why they were spending money on travel. He never asked about their immigration status, their mixed marriage, or the fact that two people had just built a life in a country that wasn't theirs by birth. Two weeks later, they came back for their plan and were told they were going to fail. They walked out feeling like failures in a country they had worked incredibly hard to call home. It would be five to six years before they approached another advisor. That couple was Jane Mepham and her husband. And that experience shaped the firm she now runs. In this conversation, Jane shares what advisors need to understand about serving foreign-born clients, mixed-marriage couples, and anyone whose cultural context shapes their relationship with money. She's a CFP®, founder of Elgon Financial Advisors, and co-host of the International Money Cafe podcast. She also has a specific answer for the advisor who wants to be curious but worries about saying the wrong thing. You'll hear why "tell me how you grew up" opens doors that "where are you from" closes. Why a color-coded spreadsheet of "Visit Family Back Home" belongs in the plan before anyone gets scolded for it. How to build a spending plan that assumes remittance, a retirement plan that respects education-first cultures, and an exit plan for clients whose visa status could change overnight. And why the clients Jane serves often say working with her feels like therapy. (Good news for advisors. You don't have to become a therapist to do this well. You just have to get curious.) You'll also hear how Jane helps clients who want to pull everything from the market when the world feels unstable, and why giving them numbers isn't the answer. Whether you serve one foreign-born client or one hundred, this conversation will change how you open your next discovery meeting. RESOURCES AND GUEST INFORMATION About Jane Mepham, CFP® Jane Mepham is the founder of Elgon Financial Advisors, a firm registered in Texas and California that specializes in serving foreign-born nationals with holistic wealth management. Based in Austin, Jane brings a unique perspective shaped by her own immigrant journey and years of working with clients navigating visas, mixed marriages, cross-border financial questions, and cultural transitions. She is also co-host of the International Money Cafe podcast. Connect with Jane Mepham Website: Elgon Financial Advisors (AlgonFA.com)LinkedIn: Jane Mepham, CFP®Podcast: International Money Cafe (with co-host Manasa Nadig)Connect with Host Ashley Quamme Podcast Website: Planning & Beyond®LinkedIn: Ashley Quamme Beyond the Plan®: BeyondTheFP.com - Financial psychology integration servicesMonthly Newsletter: Subscribe at BeyondTheFP.comYouTube: Beyond the Plan Solutions

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  3. ٢٣ أبريل

    48. Financial Anxiety vs. Financial Stress: How Advisors Can Help Clients Move Past Decision Paralysis | Dr. Kristy Archuleta

    Text us to share what you found helpful! You've shown your client the numbers. Multiple times. The plan works, they can afford the house, they have enough to retire, the math is on their side. And yet they keep circling back to the same question, the same hesitation, the same "I just don't know." Sound familiar? In this episode, Ashley sits down with Dr. Kristy Archuleta, Professor at the University of Georgia and one of the leading researchers on financial anxiety, to unpack what's actually happening with clients who can't seem to move forward, even when the plan says they can. Kristy walks through the critical (and often missed) distinction between financial stress and financial anxiety, and why it matters for how advisors show up. Stress is a reaction to a specific stressor that resolves when the situation does. Financial anxiety is persistent worry that lingers after the decision is made, shapes how clients engage with every recommendation, and begins to impact their relationships and daily functioning. Ashley and Kristy also explore one of the most overlooked dynamics in retirement planning: the "Do I have enough?" question that may not actually be about the money. Sometimes it's grief. Sometimes it's identity loss. Sometimes it's both. Understanding that difference changes everything about how you respond. You'll walk away with: A clear framework for distinguishing financial stress from financial anxiety in client meetingsWhy financially anxious clients often look the most "put together" (and why that makes them harder to help)The tiny-steps-and-experiments approach for clients stuck in decision paralysisCollaborative question examples you can use in your very next meetingAshley's Vision-Reality-Plan framework for walking clients through stuck pointsClear guidance on when and how to bring in a financial therapist or mental health professionalThis is a conversation for any advisor who has ever sat across from a client and thought: The numbers work. So why aren't they moving? Because, as Kristy says, numbers don't show up on paper because they just showed up. They show up because of how someone thinks, feels, does, and relates. When you understand that, you stop trying to solve with more data, and start helping clients actually move. RESOURCES AND GUEST INFORMATION About the Guest Dr. Kristy Archuleta is a Professor of Financial Planning at the University of Georgia, a licensed marriage and family therapist, and one of the pioneering researchers in the field of financial therapy. She co-developed one of the most widely used financial anxiety measures and has spent her career helping advisors, therapists, and researchers understand the psychological dimensions of money. Kristy also speaks and consults through the Behavioral Keynote Group. Connect with Kristy: University of Georgia (Financial Planning Program): fcs.uga.eduLinkedIn: Dr. Kristy ArchuletaBehavioral Keynote Group: For speaking engagements and keynote bookingsUGA Graduate Program: Behavioral Financial Planning and Financial Therapy graduate certificate (fully online) and master's track with experiential pro bono component Connect with Host Ashley Quamme: Podcast Website: Planning & Beyond®LinkedIn: Ashley Quamme - Licensed Therapist & Financial Behavior SpecialistBeyond the Plan®: Financial psychology integration servicesMonthly Newsletter: Subscribe at BeyondTheFP.comAdvisor Foundations Com

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  4. ٩ أبريل

    47. The Sabbatical Conversation: What Financial Advisors Need to Know About Work Breaks and Client Wellbeing with Cady North

    Text us to share what you found helpful! You've run the numbers. The client can absolutely afford to take time off. And yet they won't. Or they want to, but they're terrified. Or they've mentioned burnout in every meeting for the last two years and still can't pull the trigger. Sabbaticals are showing up more and more in client conversations, and most advisors don't have a roadmap for navigating them. Not just the financial piece, but the human piece — the identity questions, the resistance, the fear of what comes next, and the return to work on the other side. In this episode, I'm joined by Cady North, financial advisor and author of The Art of the Sabbatical, who has built an entire area of her practice around helping clients plan for and navigate intentional work breaks. Cady brings both the planning expertise and a deeply personal experience with sabbatical, which makes her perspective incredibly grounded and real. We cover what a sabbatical actually is (it's not just for academics or people eating, praying, and loving their way around the world), why identity is often the biggest obstacle — not money — and what advisors can do to create space for clients to explore this without projecting their own fears onto the conversation. One insight that really stuck with me: most sabbaticals are completely unplanned. They start with burnout or a layoff, not a spreadsheet. That means your clients may already be in one without having prepared for it, and knowing how to support them in that moment is where advisors can offer something truly unique. You'll also hear about the "runway" framework Cady uses with clients actively in a sabbatical, how to recognize the signs that it might be time to bring this up, and what planning for return to work actually looks like — including how advisors can help clients negotiate their way back in stronger than before. RESOURCES AND GUEST INFORMATION About Cady North Cady North is a financial advisor, solo practice owner of North Financial Advisors, and the author of The Art of the Sabbatical. With over a decade of experience in financial planning, Cady has developed a specialty in helping clients navigate intentional work breaks — from the financial logistics to the mindset shifts that make them possible. Connect with Cady North: Website: cadynorth.com (Note: spelled C-A-D-Y N-O-R-T-H)LinkedIn: Cady NorthBook: The Art of the Sabbatical — available on Amazon and everywhere books are sold (print, ebook, and audiobook) Connect with Host Ashley Quamme: Podcast Website: PlanningAndBeyond.comLinkedIn: Ashley Quamme — Licensed Therapist & Financial Behavior SpecialistBeyond the Plan®: BeyondTheFP.comMonthly Newsletter: Subscribe at BeyondTheFP.com

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  5. ٢٦ مارس

    46. The Referral Gap: Why Your Happiest Clients Aren't Sending Anyone Your Way (And What to Do About It) with Phil Bray

    Text us to share what you found helpful! You have clients who love you. You know it. They know it. And yet your referral pipeline is quieter than it should be. Here's the thing — it's probably not about satisfaction at all. According to Phil Bray, founder of the UK-based financial services marketing agency Yardstick, around 96% of clients say they would recommend their advisor in principle. But only about 50% have actually done it in the past year. That gap between "would refer" and "has referred" isn't a loyalty problem. It's an education problem. Phil spent over a decade as a financial advisor before building Yardstick into a 55-person agency focused entirely on marketing for financial planning firms. He's thought deeply about why referrals stall — and what advisors can actually do about it that doesn't feel pushy, desperate, or just plain awkward. In this episode, we talk through why asking for referrals might be the wrong approach entirely and what to do instead. Phil introduces a strategy built around three pillars — client education, communication, and appreciation — and walks through a six-step process advisors can weave into their annual review meetings. It's structured, but it feels natural. Genuinely natural. We also spend time on something that's changing fast: what happens between the moment someone gets a referral and the moment they actually reach out. Increasingly, that gap is being shaped by AI. Phil shares what his agency is seeing — including a 118% rise in AI-driven traffic to financial planner websites over the last six months — and what advisors need to be doing right now to show up when someone asks an AI to help them find the right fit. If you've ever felt uncomfortable asking clients to send people your way, this episode gives you a reframe and a roadmap. RESOURCES AND GUEST INFORMATION About Phil Bray: Phil Bray is the founder of Yardstick, a UK-based marketing agency dedicated exclusively to financial planning firms. A former financial advisor of 13 years, Phil brings both practitioner insight and marketing expertise to helping advisors grow through referrals, client communication, and digital visibility. Since launching in 2017, Yardstick has grown to a team of 55. Connect with Phil Bray: Website: theyardstickagency.co.ukLinkedIn: Phil BrayConnect with Host Ashley Quamme: Podcast Website: PlanningAndBeyond.comLinkedIn: Ashley Quamme Beyond the Plan®: BeyondTheFP.comSubscribe to our YouTube Channel

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  6. ١٢ مارس

    45. Calm Money: Why Financial Self-Care Comes Before the Plan with Dr. Alex Melkumian

    Text us to share what you found helpful! Have you ever gone over a financial plan with a client, checked every box, and then watched them walk out and implement almost none of it? It's one of the most frustrating experiences in this work — and it's more common than anyone likes to admit. Here's what might actually be happening: your client's nervous system is running the show. In this episode, I'm joined by Dr. Alex Melkumian, licensed marriage and family therapist, financial psychologist, and founder of the Financial Psychology Center in Los Angeles. Alex has spent nearly two decades working at the intersection of mental health and money, and his latest book, Calm Money, makes a compelling case for why financial self-care isn't a luxury — it's often the prerequisite to any financial plan actually working. We talk about what financial self-care really means (hint: it's not just bubble baths and budgeting apps), why money continues to be the number one stressor for most Americans, and what it looks like when a client is in freeze mode right in front of you — even when they're nodding along. One of the most powerful moments in our conversation is when Alex shares this: "A triggered mind is a controlled mind." When clients are in fight, flight, or freeze, the best financial strategy in the world gets filtered through a nervous system that's in threat mode. That's why the plan doesn't stick. That's why nothing gets implemented. Alex also walks us through the structure of the Calm Money journal — daily check-ins, weekly pattern work, and monthly reflection — and why that kind of compassionate, consistent engagement with money can literally reshape how a client's brain responds to financial conversations over time. If you've been puzzling over clients who seem to understand your plan but won't follow through, this episode offers a framework for understanding what's actually going on — and a resource you can point them toward. RESOURCES AND GUEST INFORMATION Guest Bio: Dr. Alex Melkumian is a licensed marriage and family therapist, financial psychologist, and founder of the Financial Psychology Center in Los Angeles. He is the author of Financial Psychology: Restoring Financial Wellness in the Post-COVID Economy and the newly released Calm Money, a financial self-care book and companion workbook. Dr. Melkumian has spent nearly two decades helping individuals, couples, and organizations navigate the emotional and psychological dimensions of money. Connect with Dr. Alex Melkumian: LinkedIn: Dr. Alex MelkumianInstagram: @FinancialPsychologyCenterWebsite: financialpsychologycenter.comCalm Money — Available now on AmazonFinancial Psychology: Restoring Financial Wellness in the Post-COVID Economy — Available on AmazonConnect with Host Ashley Quamme: Podcast Website: PlanningAndBeyond.comLinkedIn: Ashley Quamme — Licensed Therapist & Financial Behavior SpecialistBeyond the Plan®: Bey

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  7. ٢٦ فبراير

    44. Building Financial Empathy: Why Your Clients' Behaviors Make Perfect Sense with Dr. Michael Thomas

    Text us to share what you found helpful! You walk into a client meeting prepared with projections, strategies, and solutions. But something's off. Your client nods at the right moments, signs the paperwork, yet you sense there's a conversation happening beneath the surface that you're not part of. Dr. Michael Thomas, Associate Professor at the University of Georgia and author of Black Financial Culture, joins me to explore what he calls the "threads" that connect our financial behaviors to our identities, relationships, and cultural experiences. Michael's journey from accounting to financial planning education taught him something most advisors miss: the numbers are rarely the real story. Michael introduces a powerful metaphor that transforms how we think about client work. Imagine your client's financial life as a tapestry. Most advisors focus on individual threads, one behavior at a time, trying to "fix" what looks problematic. But those threads don't exist in isolation. They're woven together with family dynamics, cultural narratives, past traumas, and deeply held beliefs about worth and belonging. When you pull on one thread without understanding how it connects to the others, the entire fabric can unravel. This conversation goes beyond traditional behavioral finance. Michael shares how cultural context shapes everything from risk tolerance to spending behaviors in ways that standard questionnaires never capture. But this isn't just about understanding diverse clients. Michael offers a framework for empathy that applies to every client relationship. He explains why asking "what does this behavior provide that might not be obvious?" opens doors that direct questions keep closed. How recognizing that clients bring their whole selves to financial decisions changes the way you structure discovery meetings. Why the goal isn't to eliminate emotion from financial choices but to understand what those emotions are protecting. The technical work matters. But when you understand the threads connecting your clients' financial behaviors to their lived experiences, you stop solving the wrong problems. Connect with Michael Thomas: Website: www.blackfinancialculture.comBook: Black Financial CultureConnect with Michael on LinkedIn: Dr. Michael Thomas - University of Georgia Connect with Host Ashley Quamme: Podcast Website: Planning & Beyond®LinkedIn: Ashley Quamme - Licensed Therapist & Financial Behavior SpecialistBeyond the Plan®: Financial psychology integration servicesCheck out our YouTube Channel!

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  8. ١٢ فبراير

    43. Financial Infidelity in Couples: Research-Backed Strategies for Financial Advisors | Dr. Jenny Olson

    Text us to share what you found helpful! You've been there. A couple sits across from you in a discovery meeting, and something feels off. Maybe one partner shifts in their seat when you ask about spending patterns. Maybe the other answers too quickly, cutting off their spouse mid-sentence. You can't quite put your finger on it, but your spidey sense is telling you there's more to the story. Enter Dr. Jenny Olson, Assistant Professor at Indiana University, whose research reveals what might be happening beneath the surface in about 30% of the couples sitting in your office. Jenny studies financial infidelity, and spoiler alert, it has nothing to do with affairs. Instead, it's about something far more common and surprisingly relatable: intentionally engaging in financial behaviors you expect your partner will disapprove of, then concealing them. We're talking hidden Amazon packages, undisclosed bonuses, secret savings accounts (yes, even virtuous saving can create betrayal), and splurge purchases tucked away in closets. The kicker? Both partners might be doing it simultaneously, creating what Jenny calls "financial infidelity asymmetry," where neither person realizes the other is also concealing financial behaviors. In this conversation, Jenny breaks down the actual definition of financial infidelity, dispelling myths (no, it's not just general secrecy about eating extra Oreos) and highlighting why interdependent financial resources make this different from other types of secrets. You'll learn the six domains where financial infidelity shows up most often, from hidden spending to concealed income to those "virtuous" secret savings that still violate transparency. More importantly, you'll walk away with practical strategies for your next couple meeting. Jenny shares specific question frameworks that focus on behaviors rather than accusations, helping you create space for honest conversation without putting clients on the defensive. You'll learn what nonverbal cues to watch for (hint: pay attention to the speed and intensity of those head turns between partners) and why avoiding the word "infidelity" altogether might be your best move. This episode gives you permission to ask about something most advisors sense but don't know how to address, all while maintaining the boundaries of your role. Because when couples aren't sharing the full financial picture with each other, they're probably not sharing it with you either. RESOURCES AND GUEST INFORMATION Connect with Dr. Jenny Olson: Personal Website: jennyginolson.comFinancial Infidelity Scale: Available through website LinkedIn: Jenny Olson Connect with Host Ashley Quamme: Podcast Website: PlanningAndBeyond.comLinkedIn: Ashley Quamme Beyond the Plan®: BeyondTheFP.comYouTube: Subscribe at @BeyondthePlanSolutions

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Planning & Beyond® transforms how financial advisors approach client relationships by bridging psychological insights with practical planning strategies. Hosted by Ashley Quamme, a licensed therapist and financial behavior specialist, each episode delivers actionable techniques you can implement in your next client meeting. Unlike traditional financial planning podcasts that focus primarily on technical aspects, Planning & Beyond® explores the behavioral and psychological elements that shape client relationships. Through in-depth conversations with leading experts in behavioral finance, financial psychology, and financial therapy, you'll gain evidence-based strategies to navigate emotional client situations, build lasting trust, and create more meaningful relationships. Whether you're preparing for discovery meetings, helping clients through major life transitions, or looking to deepen client connections, you'll walk away from each episode with practical tools and confident approaches to enhance your practice. Join a community of advisors who understand that exceptional financial planning goes beyond the numbers. Topics include: Mastering discovery and prospect meetingsNavigating difficult money conversationsUnderstanding client psychologyBuilding trust and deepening relationshipsManaging emotional client situationsEnhancing communication skillsDeveloping behavioral finance strategiesSupporting clients through life transitions New episodes release bi-weekly. Subscribe now to transform how you connect with clients.

المعلومات

  • صناع العمل
    Ashley Quamme
  • سنوات النشاط
    ٢٠٢٤ - ٢٠٢٦
  • الحلقات
    ٥٠
  • التقييم
    ملائم
  • حقوق النشر
    © 2026 Planning & Beyond®
  • موقع البرنامج على الويب
    Planning & Beyond®

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