Only Fee-Only

This podcast interviews fee-only financial planners to learn about how they are helping their clients and serving their specific niches.

Only Fee-Only is a business podcast hosted by Broc Buckles and Peter Ciravolo, with 171 episodes on record and a Required Pod Score of 80.

Broc Buckles and Peter Ciravolo hosts Only Fee-Only, a business show with 171 episodes published.

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  Only Fee-Only

  #170 - From Dental School Debt to Practice Exit: Planning with Ryan DiFabrizio

  Sep 24, 202628 min

  Dentists face an unusual financial timeline: years of student debt and delayed earnings, followed by a sharp increase in income and a lot of decisions to make at once. In this episode, we sit down with Ryan DiFabrizio of Wealth FD to talk about how his firm helps dentists navigate that transition. Ryan explains why good planning starts with the decisions dentists face early in their careers: managing student loans, evaluating associateship offers, planning for taxes, and preparing for eventual practice ownership. We also discuss why Wealth FD tracks clients’ spending and uses projections to help them make decisions based on their actual numbers. Then we turn to the other end of the career: selling a practice and adjusting to life after years of saving and building. Ryan shares how ongoing planning helps dentists feel confident about retiring, spending, and giving. We close with his advice for newer financial planners on gaining experience and finding a firm where they can grow. If you enjoyed the conversation, subscribe and share it with a dentist or financial advisor who would find it useful. Ryan's Social and Website: https://www.linkedin.com/in/ryandifabrizio/ https://wealthfd.com/ Music in this episode was obtained from Bensound.

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  Only Fee-Only

  #169 - Healthcare, Insurance, and Building a Stronger Financial Plan - Cole Craven

  Sep 16, 202629 min

  A major change in health insurance premiums can reshape an early retirement plan—especially when decisions are based on outdated information. In this episode, Cole Craven from Move Health joins us to explain what’s happening across health insurance and Medicare. We clear up common misconceptions about ACA marketplace tax credits, pre-existing conditions, and guaranteed coverage. We also discuss the role risk management plays in financial planning, from medical expenses and disability to liability protection and umbrella insurance. Finally, we talk about making these conversations easier, choosing partners you trust, and why the best recommendation is sometimes confirming that a client already has the right coverage. If you want to make healthcare and risk-management planning clearer for your clients, this episode is for you. Move Health's Website: https://movehealth.io/ Cole's Linkedin: https://www.linkedin.com/in/cole-craven/ Music in this episode was obtained from Bensound.

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  Only Fee-Only

  #168 - From Broker-Dealer to Fee-Only RIA - Carmine Corino

  Aug 26, 202632 min

  If you’ve ever thought, “I like my clients, so why do I feel stuck at my firm?” this episode is for you. We sit down with Carmine Carino, founder and CEO of Cornerstone Planning Group, to talk about why advisors leave insurance and broker-dealer environments for independent, fee-only RIAs. Carmine shares the story behind his book Broken Dealer , the common frustrations that lead advisors to make a change, and how to know when you’re actually ready to go independent. We also talk about Carmine’s own experience launching an RIA in 2020, the challenges that came with it, and what he’s learned about building and growing a firm. From there, we get into scaling without burning yourself out. Carmine explains his idea of “growth by elimination,” why creating more capacity often means doing less, and how delegation, client segmentation, ideal client profiles, and a strong culture can help you build a better business. If you’re thinking about going independent or simply want to grow your firm with less chaos, there’s a lot to take away from this conversation. Websites: https://www.carminecorino.com/ https://www.cornerstoneplanninggroup.com https://www.linkedin.com/in/carminecorino/

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  Only Fee-Only

  165 - Equity Compensation & Flat-Fee Financial Planning with Marcel Miu

  Jul 16, 202630 min

  Your clients may have millions in company stock and still struggle with the decisions that matter most: exercise now or later, hold or sell, diversify or stay concentrated. In this episode, we sit down with Marcel Miu , founder of Simplify Wealth Planning in Austin, Texas, to discuss how advisors can help clients navigate equity compensation while building a successful advisory firm. Marcel shares his journey from JP Morgan and Cohen & Steers to launching his own fee-only RIA, and why technical expertise alone isn't enough to grow a business. We discuss the realities of client acquisition, how marketing has evolved, why LinkedIn isn't the opportunity it once was, and why advisors need multiple marketing channels instead of relying on a single strategy. We also explore flat-fee financial planning versus AUM, particularly for tech professionals whose investment portfolios may be simple but whose planning needs are anything but. Marcel explains why a flat-fee model often creates better alignment, how to set clear expectations, and how to determine whether a client is the right fit. Marcel's Social: https://www.linkedin.com/in/marcel-miu/ Music in this episode was obtained from Bensound.

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  Only Fee-Only

  #164 - Why Real Estate Agents Need Financial Planning | Cody Hawkins, PeaceLink

  Jul 9, 202631 min

  A $10,000 commission check can feel like a reset button—until the next closing gets delayed. In this episode, we're joined by Cody Hawkins, Lead Planner at PeaceLink Financial Planning, to discuss why his firm specializes in helping top-producing real estate agents navigate the unique financial challenges that come with variable income and running a business. We discuss: Why lifestyle creep can become a major challenge for successful agents How to create predictable cash flow despite inconsistent income Common tax mistakes 1099 professionals make The importance of quarterly tax payments and proper business structure Why liquidity matters just as much as building long-term wealth How PeaceLink helps clients separate business and personal finances Cody also shares his path into financial planning, how PeaceLink found its niche serving real estate professionals, and why focusing on systems instead of chasing the next commission helps clients build lasting financial confidence. Whether you're a financial advisor looking to better serve business owners or a real estate professional trying to create more stability, this episode is full of practical takeaways. Cody's Linked and Website: https://www.linkedin.com/in/cody-hawkins-cfp%C2%AE-5129a217a/ https://www.peacelinkfp.com/ Music in this episode was obtained from Bensound.

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