Purpose Driven Finances

Purpose Driven Finances
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Welcome to Purpose Driven Finances — the podcast that helps you use your money as a tool to fulfill the plan and purpose for your life. Hosted by Allan Malina, founder of Servus Capital Management, each episode brings you practical strategies, insightful conversations, and timely commentary on personal finance and investing. We guide you toward clarity and confidence, whether you’re planning for retirement, navigating life transitions, or simply looking to make wiser financial decisions. We cover a wide range of topics—from budgeting, debt management, and investment strategies to retirement planning and legacy planning—plus commentary on current economic trends to keep you informed. Because money isn’t the goal—living with purpose is. Learn more at www.servuscm.com Thanks for listening, and welcome to Purpose Driven Finances.

  1. 5D AGO

    Your Retirement Plan: How to maximize your HSA!

    Air Date: May 2, 2026 | WLNI 105.9 FM KEY TAKEAWAYS The Triple Tax Advantage The Health Savings Account remains one of the most unique financial tools available: contributions may be tax-deductible, growth compounds tax-free, and qualified medical withdrawals remain tax-free. The “Stealth IRA” Strategy Most people use an HSA like a medical checking account. Disciplined investors often evaluate it differently — as a long-term retirement asset designed to help bridge future healthcare costs, Medicare premiums, and retirement income gaps. The Shoebox Strategy Current regulations allow qualified medical expenses to be reimbursed years later if proper records are maintained. This creates the potential for decades of tax-free compounding before future reimbursement. Most people treat their Health Savings Account like a medical debit card. That decision may be costing them one of the most powerful long-term planning tools available in the tax code. In this episode of Purpose Driven Finances, Allan Malina explains why disciplined retirement planning requires looking past the “market fog” and focusing instead on the tools we can control. The program begins with listener questions surrounding recession concerns, interest rates, geopolitical tensions in the Strait of Hormuz, Roth IRA conversions, portfolio positioning, and whether investors should move retirement accounts to cash during periods of uncertainty. Rather than reacting emotionally to headlines, Allan discusses why understanding your “Gap Ratio” — the distance between your Social Security income and the income your portfolio must generate to sustain your lifestyle — often provides a more reliable compass than short-term market predictions. The featured discussion centers on Health Savings Accounts (HSAs) and why they may be one of the most underutilized retirement planning tools available today. Allan reviews the 2026 HSA contribution limits, catch-up provisions, and the unique “triple tax advantage” structure that separates HSAs from virtually every other financial account. The episode also covers recent legislative changes that expanded HSA eligibility for Bronze and Catastrophic healthcare plans while adding Direct Primary Care (DPC) memberships as qualified medical expenses — increasing access for many cost-conscious families throughout Lynchburg, Forest, and Central Virginia. Rather than viewing the HSA as a short-term reimbursement account, Allan explains the “Stealth IRA” strategy: once a reasonable deductible reserve is established, excess balances may be intentionally invested rather than left idle in low-yield cash accounts. For many disciplined savers, the goal shifts from spending to stewarding. The episode also introduces the “Shoebox Strategy,” where medical expenses are paid out-of-pocket while receipts are digitally preserved for future reimbursement years — or even decades — later. Because there is currently no expiration date on qualified reimbursements, HSA assets may continue compounding tax-free while creating future retirement flexibility. Additional discussion includes: ·        Using HSAs as a “Medicare Premium Bridge” after age 65 ·        The Medicare enrollment timing conflict ·        The differences between HSAs and FSAs ·        Common mistakes that quietly reduce long-term flexibility ·        Why healthcare planning should be integrated into a broader retirement income strategy Allan Malina is a fiduciary financial advisor and the founder of Servus Capital Management, a fee-only Registered Investment Advisor serving Lynchburg, Forest, and Central Virginia. As host of Purpose Driven Finances on WLNI 105.9 FM.

    30 min

  2. 6D AGO

    Your Retirement Plan: Traditional & Roth IRA Coordination

    Air Date: April 25, 2026 Most people choose a Traditional IRA or Roth IRA based on a tax deduction, a headline, or a quick internet search. But retirement planning is not about collecting accounts. It is about coordination. In this episode of Purpose Driven Finances, Allan Malina explains how Traditional and Roth IRAs should function together inside a disciplined retirement system focused on tax efficiency, retirement flexibility, and long-term income coordination. The episode explores: Roth contribution vs. Roth conversion — and why they are completely different decisionsRequired Minimum Distribution (RMD) concentration riskSurvivor tax bracket compression for spousesSocial Security and Medicare coordinationRetirement income sequencingInvestment positioning across taxable, tax-deferred, and tax-free accountsWhy static retirement planning often creates expensive future limitations The decision you made at 35 may not serve you at 65. Many investors spend decades accumulating retirement accounts without coordinating how taxes, withdrawals, Medicare premiums, Social Security, and future Required Minimum Distributions interact later in life. This episode introduces three levels of retirement planning: Accumulation Building retirement savings with limited tax coordination. Coordination Using Traditional and Roth structures together to improve tax flexibility and retirement income options. Discipline Creating a fully integrated retirement income architecture where Roth conversions, tax planning, investment positioning, and withdrawal sequencing work together as a system. The episode also discusses: Why large pre-tax balances can quietly create future tax concentration riskWhy Roth conversions require strategic analysis rather than emotional reactions to marketsWhy many retirees lose flexibility after Required Minimum Distributions beginHow inherited Roth IRAs differ from inherited pre-tax retirement accountsWhy retirement positioning should adapt as markets and economic conditions change FAQs Is a Roth IRA always better than a Traditional IRA? No. A Roth IRA is a tool, not a universal answer. The right structure depends on your tax bracket, retirement timeline, future income expectations, and Required Minimum Distribution exposure. What is the difference between a Roth contribution and a Roth conversion? A Roth contribution is an annual funding decision. A Roth conversion moves pre-tax retirement assets into a Roth structure, typically creating taxes today in exchange for future tax-free growth and withdrawals. Why do Required Minimum Distributions matter? Required Minimum Distributions can create taxable income later in retirement whether you need the income or not. Large pre-tax balances may eventually increase Medicare premiums, Social Security taxation, and overall retirement tax exposure. Should retirement investment positioning change over time? Yes. Markets, economic conditions, volatility, and retirement needs change over time. Static retirement positioning often creates limitations when conditions shift. Retirement planning should function as architecture — not a random collection of accounts opened over decades. Allan Malina is a fiduciary financial advisor and the founder of Servus Capital Management. He specializes in helping small business owners, retirees, and professionals across Central Virginia move from financial uncertainty to disciplined, purpose-driven financial systems. As the host of Purpose Driven Finances on WLNI 105.9 (lynchburg, VA), Allan translates complex economic conditions into clear, actionable strategies for long-term stewardship.

    30 min

  3. MAY 7

    Your Retirement Plan: Small Business Structures—SEP, SIMPLE, and the Solo 401(k)

    Air Date: April 18, 2026 🔑 KEY TAKEAWAYS Participation Is Not Protection With markets near all-time highs and inflation pressure persisting, simply being invested is not a strategy—positioning is. Structure Locks In Flexibility The retirement plan you choose determines your contribution limits, tax options, and adaptability for years to come. Convenience Creates Long-Term Cost Most business owners choose what’s easiest. That decision often limits growth, tax efficiency, and flexibility later. Solo 401(k) = Control For high-income solo earners, the Solo 401(k) offers the highest contribution potential and the most flexibility across tax strategy and long-term planning. SEP and SIMPLE = Simplicity, Not Optimization These structures can work—but they often introduce constraints that become costly as income or team size grows. 🧭 EPISODE OVERVIEW Small business owners don’t just earn income—they design their financial system. And most get one critical decision wrong: They choose a retirement plan based on convenience. In this episode of Purpose Driven Finances, we reframe that decision for what it actually is: A structural choice that determines what’s possible in your financial future. We begin with the current environment. Markets are pushing all-time highs, but underlying signals—rising oil, persistent inflation, and slowing growth—tell a different story. This is not a “set-it-and-forget-it” environment. It’s one that requires discipline, structure, and positioning aligned with changing conditions. From there, we break down the three primary retirement plan structures for small business owners: SEP IRA — simple to set up, but limited in flexibility and tax coordination SIMPLE IRA — structured for small teams, but constrained by lower limits and mandatory contributions Solo 401(k) — the most flexible and powerful option for high-income solo earners But the real focus isn’t the plans themselves. It’s how each one impacts: • Contribution capacity • Tax strategy • Long-term adaptability Because your business is a tool. And your retirement plan should be designed with the same level of precision. ❓ FAQ SECTION What is the best retirement plan for a one-person business? For most high-income solo earners, the Solo 401(k) offers the highest level of control. It allows both employee and employer contributions, provides a Roth option, and enables more advanced tax coordination. When does a SEP IRA become a problem? A SEP works well early, but becomes restrictive as income rises or employees are added. Required equal contributions can significantly increase business overhead. Who should use a SIMPLE IRA? SIMPLE IRAs are best for small teams that need structure without the complexity of a 401(k). The trade-off is lower contribution limits and less flexibility. When is a Solo 401(k) NOT appropriate? If you have full-time employees (outside of a spouse) or inconsistent income, a Solo 401(k) may not be the right structure. The added complexity must be justified by the benefit. Why does plan structure matter so much? Because structure determines what decisions are available later. Contribution limits, tax treatment, and flexibility are all dictated by the plan—not your intentions. Allan Malina is a fiduciary financial advisor and the founder of Servus Capital Management. He specializes in helping small business owners, retirees, and professionals across Central Virginia move from financial uncertainty to disciplined, purpose-driven financial systems. As the host of Purpose Driven Finances on WLNI 105.9 (Lynchburg, VA) and the Purpose Driven Podcast, Allan translates complex economic conditions into clear, actionable strategies for long-term stewardship.

    30 min

  4. MAY 6

    Your Retirement Plan: Rollover and Roth Conversion Guidance

    Air Date: April 11, 2026 KEY TAKEAWAYS A Rollover Is a Structural Decision—Not a Form. Where your money sits determines how it can be positioned, managed, and protected. This is architecture, not administration. The Cost vs. Capability Wedge Matters More Than Fees Alone. Costs may rise after a rollover—but the real question is whether you gain better positioning, better decisions, and better long-term outcomes. Roth Conversions Require Coordination—Not Guesswork. Done correctly, they reshape your tax future. Done in isolation, they create permanent tax drag. Static Plans Fail in Dynamic Markets. Markets change. Signals shift. Your retirement plan should respond—not remain frozen in a prior environment. Most people approach a rollover with one narrow question: “Where should I move this money?” That question misses the point. At Servus Capital Management, a rollover is not a transaction—it’s a structural decision inside a larger system connecting investment positioning, tax strategy, and long-term income. We begin with a simple analogy: golf. No experienced golfer plays the same shot in every condition. Wind, terrain, and pressure all dictate the decision. Investing is no different. Markets send signals—and ignoring them leads to poor outcomes. Recent signals from our disciplined process, including the Quantitative Portfolio Model (QPM), pointed clearly: Favor energy exposureReduce bond exposureExit gold as interest rates shifted These are not opinions. They are responses to changing conditions. And that creates the real problem for most retirement plans: They can’t respond. Old employer plans are often static by design—limited menus, limited flexibility, no positioning framework. So the rollover decision becomes a question of capability: Will you gain better guidance—or just a different account?Will your investments improve—or just change?Will your structure evolve—or stay static in a new wrapper? Because here’s the truth most people miss: A rollover often increases cost. That’s not the risk. The risk is paying more—and staying the same. We also walk through what can be lost if the move is rushed: Access to loansInstitutional share classesCertain legal protections under ERISA And then we connect the most misunderstood piece: Roth conversions. A Roth conversion is not a tactic. It’s a multi-year tax strategy. When coordinated properly, it can reshape your retirement income and reduce long-term tax exposure. When done without a system, it creates unnecessary liability. This episode is not about convincing you to roll over your plan. It’s about helping you answer one question: Is your current structure actually built for what comes next? FAQ Should I roll over my 401(k) or leave it where it is? It depends on structural improvement. If a rollover enhances positioning, tax coordination, and disciplined guidance, it may make sense. If it simply changes account location without improving decisions, it likely does not. Will my fees increase after a rollover? In many cases, yes. Employer plans often benefit from institutional pricing. The real decision is whether increased cost leads to better outcomes. What are the tax implications of a rollover? A direct rollover is typically not taxable. However, Roth conversions—often paired with rollovers—create taxable income and must be coordinated. When does a Roth conversion make sense? Typically during lower-income years or before Required Minimum Distributions (RMDs), but only within a broader strategy. Can I access my money after a rollover? Yes—but rules change depending on account type, age, and structure. Access should be part of the decision. Allan Malina is the founder and president of Servus Capital Management, a fee-only fiduciary firm serving Lynchburg, Forest, and Central Virginia. Through disciplined frameworks like Dynamic Asset Allocation (DAA) and QPM, he helps individuals move from static portfolios to purposeful financial systems.

    30 min

  5. APR 28

    Your Retirement Plan: Scott’s Insurance & ESOP Planning — Opportunity and Risk

    Air Date: April 3, 2026 KEY TAKEAWAYS Regime Awareness Over Autopilot: In an economic season defined by shifting energy demands and AI-driven disruption, a “set-it-and-forget-it” posture is a structural vulnerability. Stewardship requires an investment process that adapts to the current environment.The ESOP Concentration Wedge: Employee ownership at firms like Scott’s Insurance is a powerful engine for wealth—but it creates a Single Point of Failure (SPOF). When your income, career, and retirement all depend on one private company, you are a concentrated investor, not just an employee.Process Over Paper Wealth: Rapid ESOP growth often creates a “wealth illusion.” Without a disciplined diversification and income strategy, a large balance on paper may not translate into a sustainable, purpose-driven retirement income. Markets do not exist in a vacuum—and neither does your career. As we navigate a 2026 environment shaped by rising energy costs and the structural impact of artificial intelligence, the question for the local professional is no longer just about growth. It is about alignment. In this episode of Purpose Driven Finances, we move beyond the surface-level appeal of employee benefits to examine the mechanical reality of the Scott’s Insurance ESOP. Employee Stock Ownership Plans are exceptional tools for aligning teams with ownership, but they introduce a critical risk: Concentration. If your career, your current income, and your primary retirement asset are all tied to the same firm, you are navigating with a single point of failure. We discuss the fiduciary realities of ESOP planning: The gap between periodic private valuations and real-time market pricing.The impact of company repurchase obligations on your personal liquidity timing.The necessity of building a diversification strategy long before your retirement date. The SCM philosophy is simple: A growing account balance is not a strategy; it is a responsibility. True stewardship is the discipline to turn a corporate windfall into a purpose-driven, diversified income stream that can withstand changing economic seasons. FAQ What are the primary risks for Scott’s Insurance ESOP participants? The primary risk is concentration. If Scott’s Insurance experiences a regional or industry-specific downturn, your income and retirement assets could be impacted simultaneously. Diversification is a structural necessity to protect your long-term peace of mind. How does an ESOP valuation differ from public investments? Public stocks are priced in real-time by the market. ESOPs are typically valued once per year through a private appraisal. This can create a "valuation lag," where your account value doesn't reflect the current volatility or regime shifts seen in the broader 2026 economy. When should I begin planning for my ESOP distribution? Planning should begin 3 to 5 years before your target retirement date. ESOP distributions follow specific IRS and plan-specific rules that can create a multi-year delay between leaving the firm and receiving full access to your funds. Can I diversify my ESOP while still working? Yes. Most ESOP plans, including those in the Lynchburg area, allow for "diversification elections" once you reach age 55 and have 10 years of service. These windows are critical "Wedge" opportunities to move capital into a more liquid, diversified portfolio. Allan Malina is a fiduciary financial advisor and the founder of Servus Capital Management in Forest, Virginia. He specializes in purpose-driven planning for retirees and professionals at Central Virginia’s leading firms. Through a disciplined, regime-based approach, Allan helps clients navigate complex retirement systems and concentration risks with clarity and control. As the host of Purpose Driven Finances, he provides the calm, structured leadership needed to move from financial uncertainty to intentional decision-making.

    30 min

  6. APR 15

    Your Retirement Plan: Framatome

    KEY TAKEAWAYS ·        Systems Over Containers: The Framatome 401(k) is not just a place to store money; it is a complex financial system. While contribution rates are the fuel, your allocation architecture is the engine that determines your reach. ·        The "Optimizer’s Trap": Engineers often fall into the trap of over-optimizing contribution percentages while under-optimizing regime alignment. Strong savings cannot outrun a portfolio misaligned with the current economic season. ·        The Match is a Floor, Not a Ceiling: Capturing the employer match is a baseline requirement for stewardship—it’s the "guaranteed return"—but it is only the first step in a disciplined, purpose-driven strategy. ·        SECURE 2.0 Complexity: New 2026 mandates, including Roth requirements for high-earner catch-ups, have turned "simple" planning into a technical coordination task. Macro Calibration: In an era of AI disruption and sticky inflation, your retirement "control rods" must be adjusted based on quantitative data, not market headlines.  For the professionals at Framatome, precision is a professional requirement. Yet, when it comes to the "engine room" of their own retirement, many rely on default settings. This week on Purpose Driven Finances, we move past the noise of market predictions to focus on system architecture. The current environment—marked by AI-driven labor shifts and persistent energy-led inflation—is not a "set-it-and-forget-it" landscape. We analyze the Framatome 401(k) through the lens of a fiduciary, moving from the simplicity of participation to the discipline of positioning. We frame the Roth vs. Pre-Tax debate as a system efficiency problem: 1.     Pre-Tax: Optimizes current-year liquidity (lower taxes today). 2.     Roth: Optimizes future system output (tax-free distributions tomorrow). Neither is a universal "correct" answer; the solution lies in how these choices coordinate with your broader household income and the evolving SECURE Act 2.0 mandates. If you’ve spent your career maximizing contributions but neglecting your investment "regime," this episode is your guide to recalibrating for long-term stewardship. FAQ SECTION What is the first step for a new Framatome employee's 401(k)? Capture the full employer match immediately. It is the only "risk-free" return available in the market. Once that baseline is met, we move to optimizing the tax "bucket" (Roth vs. Traditional). Why is a Target-Date Fund considered a "default" and not a "strategy"? A target-date fund is a generic solution built for a demographic average. It cannot account for your specific tax bracket, outside real estate, or the transition into a different economic regime. Stewardship requires a custom-fit, not a one-size-fits-all. How do the 2026 SECURE 2.0 rules affect my catch-up contributions? If your income exceeds the threshold, the IRS now mandates that your catch-up contributions be made into a Roth account. This requires a proactive adjustment to your tax planning to avoid a surprise bill at year-end. Does SCM offer specific guidance for the Framatome investment menu? Yes. As a fiduciary in Lynchburg, we provide a Retirement Plan Update specifically for local employer plans. We help you map your plan’s specific fund options to our quantitative models. 📍 Servus Capital Management | Lynchburg, VA Aired: 3/28/2026

    30 min

  7. MAR 27

    Your Retirement Plan: BWXT

    Air Date: March 21, 2026 KEY TAKEAWAYS System Over Product: The BWX Technologies Thrift Plan is a multi-layered architecture—not just a 401(k). True outcomes depend on the coordination of matches, service contributions, and pension interactions.The Vesting "Wedge": BWXT matches 50% of your first 6%, but the three-year vesting schedule means timing and tenure are critical variables in your realized return.Concentrated Employer Risk: Since your income, career, and benefits are all tied to BWXT, your portfolio must be intentionally diversified to avoid over-exposure to a single company.HSA as a Strategic Asset: A Health Savings Account is often underutilized. With its triple tax advantage, it should be viewed as a long-term capital pool, not just a reimbursement tool.Credit Market Stress: Beneath the surface of stable headline markets, rising rates are stressing high-yield and private credit. Discipline is required as companies face higher refinancing costs in 2026. In the nuclear industry, safety and stability rely on the precise composition of control rods—specifically the Silver–Indium–Cadmium alloy. Each element is vital; if the ratio is off, the system fails. This week on Purpose Driven Finances, we apply that same engineering discipline to your retirement strategy at BWX Technologies (BWXT). Your financial "control rods" consist of your 401(k), HSA, tax strategy, and company exposure. If one is misaligned, your entire retirement system is at risk. We move past the noise of the current 2026 credit market stress to look at the internal architecture of the BWXT Thrift Plan. We examine the 50% match on the first 6% and the critical three-year vesting cliff. More importantly, we discuss the "Guide" role of the HSA—moving it from a spending account to a tax-free growth engine. If you are a BWXT employee in Lynchburg, this episode is about moving from simply "having a plan" to leading a coordinated, purpose-driven financial system. FAQ SECTION Is the BWXT match enough to secure my retirement? The match is a powerful incentive, but it is a starting point, not a strategy. Real stewardship requires coordinating that match with your total contribution rate and external assets. Should I be worried about having too much BWXT exposure? Yes. From a fiduciary perspective, if your salary and your retirement are both tied to the same company, you have a concentrated risk. We discuss how to balance that exposure. How does an HSA function as a retirement tool? By paying for current medical expenses out-of-pocket and letting your HSA grow tax-free, you create a triple-tax-advantaged bucket for the future that is more efficient than a traditional 401(k). What is the "Systemic Risk" mentioned in the credit markets? Many firms that borrowed at low rates are now hitting a "refinancing wall" in 2026. This creates hidden volatility in high-yield bonds that generic portfolios often miss. Allan Malina is a fiduciary financial advisor and founder of Servus Capital Management in Forest, Virginia. He specializes in purpose-driven planning for retirees and mission-aligned organizations across Lynchburg and Central Virginia. As host of Purpose Driven Finances, Allan focuses on translating complex market dynamics into disciplined, system-based financial decisions.

    30 min

  8. MAR 23

    Your Retirement Plan: Centra Health

    Air Date March 14, 2026 KEY TAKEAWAYS The Rules Have Changed: Oil-driven inflation and AI disruption are creating a Quad 3 environment where old “set-it-and-forget-it” strategies are increasingly ineffective.Your Match Just Took a Pay Cut: Centra’s drop from 5% to 3% creates a long-term gap that requires a deliberate adjustment—not passive continuation.A Plan Doesn’t Equal a Strategy: Most Centra employees have access to a strong 403(b). Very few are using it as part of a coordinated system across taxes, income, and long-term goals. The environment has changed—and most people are still using the old playbook. Rising oil prices are not isolated events. They act as a system-wide cost driver, impacting everything from fuel and food to services and travel. At the same time, artificial intelligence is shifting from innovation to disruption—compressing margins, changing business models, and altering how markets behave. This combination reflects a Quad 3 environment: slowing growth with persistent inflation. Historically, this is where volatility increases and broad assumptions begin to break down. For Centra Health employees, this macro shift is happening alongside a critical internal change—the employer match has dropped from 5% to 3%. That is not just a small adjustment. It changes the long-term trajectory of your retirement. A retirement plan is a container. A process determines the outcome. This episode focuses on what to do next—how to adjust contributions, how to think about Roth positioning, and how to take advantage of opportunities like the Super Catch-Up (ages 60–63) and the 15-year nonprofit rule. Most employees are participating in a plan. Very few are leading it. FAQ SECTION How does the Centra match reduction (5% to 3%) affect my long-term plan? The 2% reduction compounds over time and can create a meaningful shortfall. In many cases, this requires increasing your personal contribution to stay on track. Should I increase my contribution to offset the reduced employer match? In most cases, yes. The right adjustment depends on your income, timeline, and overall strategy, but failing to adapt typically results in a lower long-term outcome. What is the “15-Year Rule” for Centra employees? Employees with 15+ years of service at a qualifying nonprofit may contribute an additional $3,000 annually (subject to limits). This is separate from standard catch-up contributions. What is the “Super Catch-Up” for ages 60–63? Beginning in 2026, eligible individuals can contribute up to $11,250 in additional catch-up contributions, creating a powerful late-career planning opportunity. Do high earners have to use Roth contributions? Yes. Under current rules, higher-income individuals must make catch-up contributions as Roth, making tax coordination an important part of the strategy. Is a target-date fund enough? Not always. While convenient, it may not reflect your full financial picture, including taxes, outside assets, and income planning needs. Allan Malina is a fiduciary financial advisor and the founder of Servus Capital Management in Forest, Virginia. He specializes in helping individuals, families, and healthcare professionals align their financial decisions with a disciplined, process-driven strategy. Through a structured approach to financial planning and investment management, Allan helps clients navigate complex retirement systems, tax strategies, and evolving market environments with clarity and control. As the host of Purpose Driven Finances, Allan provides calm, confident leadership for those seeking to move from uncertainty to intentional decision-making.

    30 min
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About

Welcome to Purpose Driven Finances — the podcast that helps you use your money as a tool to fulfill the plan and purpose for your life. Hosted by Allan Malina, founder of Servus Capital Management, each episode brings you practical strategies, insightful conversations, and timely commentary on personal finance and investing. We guide you toward clarity and confidence, whether you’re planning for retirement, navigating life transitions, or simply looking to make wiser financial decisions. We cover a wide range of topics—from budgeting, debt management, and investment strategies to retirement planning and legacy planning—plus commentary on current economic trends to keep you informed. Because money isn’t the goal—living with purpose is. Learn more at www.servuscm.com Thanks for listening, and welcome to Purpose Driven Finances.

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  • Creator
    Purpose Driven Finances
  • Years Active
    2025 - 2026
  • Episodes
    56
  • Rating
    Clean
  • Copyright
    © 2025 Servus Capital Management
  • Show Website
    Purpose Driven Finances