The Whole Wealth Journey

Episode 167: A Holiday Reflection on Wealth, Health and Purpose. (Encore Episode)

We would love to hear what you have to say about this episode. Please send us a text.Reflecting back to a certain Christmas Eve five years ago, a journey began that reshaped the approach to finances by aligning them with life's true purpose. That pivotal moment, intertwined with unexpected connections and encounters, taught us the value of authenticity and vulnerability, transparency and truth. With stories rich in serendipity and meaningful coincidences, we celebrate the unpredictability of life and the profound impact of embracing it with gratitude.As we continue to navigate the aftermath of global events, effects from the pandemic like supply chain disruptions and the memorable toilet paper shortages, we've unearthed profound lessons in gratitude and resilience. These challenges have been catalysts for personal growth and have altered societal relationships, pushing us towards self-reliance and away from codependency. Our discussions mirror a hero's journey, emphasizing the strength developed through trials and the determination to face future uncertainties with confidence, amidst political and economic anxieties.Finally, we close with a festive reimagining of a reading by Matthew of his interpretation of "Twas the Night Before Christmas," reflecting the Gebhardt Group's unique approach to to your whole wealth journey. As we embrace the joy and gratitude of the holiday season, let's celebrate the power of partnership and our shared mission to help you achieve your dreams and leave you with a greeting for a very merry Christmas holiday and the happiest of healthy and prosperous new years. Chapter Highlights(00:00) The Whole Wealth JourneyGratitude for connections made on our financial journey, reflections on health challenges, and embracing life's unpredictability.(14:40) Lessons of Gratitude and ResiliencePast global events have shaped behaviors and relationships, fostering personal growth and resilience amidst uncertainties.(26:51) The Wealth Journey Festive CelebrationHow about that night before Christmas?(33:36) Investment Advice DisclaimerLearn more about The Whole Wealth Journey and get periodic updates or helpful content by getting on our email list HERE. Entrepreneurs, exit strategies and personal financial planning before the sale are topics you can count on every episode. You can follow us on Instagram @thewholewealthjourney.

Episode 166: Living Your "Why" by Understanding Who, Not How.

We would love to hear what you have to say about this episode. Please send us a text.In this episode the guys, Jim and Matthew, put a bow on their financial planning framework and talk about what really happens once the plan is “done” and you’re launched into Life 3.0 — the season where you finally get to live your why.They explore what most people actually do the moment they exit a business or retire (hint: it usually starts with a passport), why the first 10 “go-go” years can be the most expensive years of your life, and how that clashes with the industry myth that you’ll only need 70–80% of your working income in retirement.Through real client stories, hear how the best-laid blueprints often change: from restoring a historic Victorian to suddenly moving across the country, or from corporate burnout to a fully expressed creative life. You’ll hear how a thoughtful plan gives you permission to pivot without panic.Most importantly, they unpack the real value of an advisor once the portfolio is built and the wealth gap is closed. It’s not about chasing returns—it’s about having a “family CFO” who walks with you through best times or your worst or final hour.If you’ve created significant wealth and are now asking “What’s next?” this conversation will help you reframe the question you ask your advisor from “How much can you make me?” to “How will you be there for me and my family when it matters most?”Chapter Summaries:(00:00) Importance of building a supportive team and focusing on "who, not how" in navigating life's challenges with trusted professionals and individuals.(09:37) Launching Into Life 3.0Retirees transition into new phase of life, living their "why" with higher spending and difficulty making office visits.(16:55) Living Your WhyRetirees like Hank and Jill often live vibrant lives, embracing their unique abilities and finding fulfillment in creative pursuits.(29:23) Navigating Life's Financial ChallengesHaving a trusted financial advisor is crucial for navigating life's challenges, similar to the security provided by insurance.Learn more about The Whole Wealth Journey and get periodic updates or helpful content by getting on our email list HERE. Entrepreneurs, exit strategies and personal financial planning before the sale are topics you can count on every episode. You can follow us on Instagram @thewholewealthjourney.

Episode 165: Shaping Your Financial Story. Preparing for Life After the Exit.

We would love to hear what you have to say about this episode. Please send us a text.This episode continues the financial planning of the entrepreneur as Jim and Matthew pick up in Stage 3 of their four-part process: Shaping Your Story.WIth Jim fresh off an Alice Cooper/Judas Priest concert and Matthew a Vermont fall-foliage wedding, the guys explore how clarity meets action when entrepreneurs begin planning what’s next — their Life 3.0. They challenge the old idea of “What’s your number?” and instead walk through a more nuanced, risk-aware way to structure your assets using their money barrels framework: Now, Soon, Later, and Never.If you’ve ever wondered, “Do I really have enough?” — whether you’re sitting on a couple million or a couple hundred million — this conversation will help you see life after the exit as a strategy. It's not an end point but the next chapter of your whole wealth story.In this episode, you’ll learn:Why gratitude, curiosity, and “firsts” in your 50s (and beyond) matter when planning what’s nextHow Stage 3: Shaping Your Story fits into the Whole Wealth Journey processThe difference between defining your story and actually building Life 3.0Why the old “What’s your number?” commercials and the classic 4% rule can create a false sense of arrivalHow entrepreneurs’ vision of “retirement” differs from traditional work-and-stop modelsThe money barrels approach: separating your wealth into Now, Soon, Later, and Never bucketsWhy Jim and Matthew are passionate risk-managers, not just asset managers — and why cash is an asset classHow to align your investments with when you’ll actually need the money, not just how much you haveChapter Summaries(00:00) Gratitude and Family CelebrationsManaging risk through cash reserves, gratitude for a heavy metal concert, and family connections in Vermont.(07:06) Shaping Your Financial StoryIntegrating personal and financial planning, gaining clarity on desired lifestyle, guiding clients towards fulfilling Life 3.0.(17:15) Retirement Planning and Life 3.0ING's memorable commercial featuring a tangible retirement "number" sparks discussion on oversimplification, personalized planning, and varied perspectives.(31:25) Planning for Future Wealth SuccessFinancial planning is like managing "money barrels" for risk and growth, adjusting for timeframes and aligning with personal goals.Learn more about The Whole Wealth Journey and get periodic updates or helpful content by getting on our email list HERE. Entrepreneurs, exit strategies and personal financial planning before the sale are topics you can count on every episode. You can follow us on Instagram @thewholewealthjourney.

Episode 164: The Entrepreneur's Clarity and the Right to Say "No".

We would love to hear what you have to say about this episode. Please send us a text.This episode, your hosts, Jim Gebhardt and Matthew Grishman explore the intertwining of financial planning with personal growth, emphasizing the impactful role gratitude plays in their process. They'll discuss the efficiency of the clarity compass, their approach to client financial and personal planning, and share their personal experiences and philosophies on balancing life and work. They also highlight the importance of saying 'no' and how it contributes to a richer, more focused life. Join the guys as they unpack and define both personal and financial stories to help entrepreneurs navigate their wealth own personal journey.00:00 Introduction to The Whole Wealth Journey00:52 The Importance of Gratitude05:02 The Ryder Cup Experience07:57 Blending Financial and Personal Planning16:24 Defining Your Future20:15 The Essence of St. Francis20:27 A Quick Quack Encounter21:11 The Importance of Being Interested21:49 Personal Planning and Assessments22:30 The Clarity Compass: Secret Sauce25:22 Memory Dividends and Die With Zero28:02 The Power of Saying No36:43 Upcoming Episodes and ConclusionLearn more about The Whole Wealth Journey and get periodic updates or helpful content by getting on our email list HERE. Entrepreneurs, exit strategies and personal financial planning before the sale are topics you can count on every episode. You can follow us on Instagram @thewholewealthjourney.

A Studio Outtake With Guest, Grace Gebhardt.

We would love to hear what you have to say about this episode. Please send us a text.Hear what happens when host, Jim Gebhardt invites his daughter to comment on her perception of the content of the show, some of her lived experiences as a family member during some very challenging financial times, what her outlook is as the daughter of a holistic financial specialist, and what it would look like to feel financially secure at 22 years old. Learn more about The Whole Wealth Journey and get periodic updates or helpful content by getting on our email list HERE. Entrepreneurs, exit strategies and personal financial planning before the sale are topics you can count on every episode. You can follow us on Instagram @thewholewealthjourney.