Monthly Archives: April 2026

#108 – Maximizing Client & Advisor Outcomes Through Cash Flow Management with David Mozeika

Client Experience & Loyalty, Creating Advocates, Practice Management, Referrals & Introductions, , , , , , , , , , , , , , , , , , ,

The national average savings rate in the U.S. is a dismal 4%. 

If you could help your clients raise that rate as high as 20%, what would that mean to your clients and to your business?

Our featured guest, David Mozeika, is a top-performing financial advisor with over two decades of experience and Forbes recognition, who has revolutionized the way advisors and clients think about money movement.

Rather than relying on traditional budgeting or chasing higher rates of return, David Mozeika advocates for a proactive approach he calls “Income Under Management.”

By rethinking the flow of funds and intercepting income before it hits spending accounts, he’s helped clients and advisors unlock higher rates of saving and investing, leading to long-term financial confidence. David Mozeika also co-founded Currence, a tool designed to support this innovative method and foster a more collaborative, transformative relationship between advisors and their clients.

This is a game-changing approach to holistic financial planning that creates a huge win for your clients and for you!

Here are 3 key takeaways:

  1. Flip the Savings Script: David introduces the concept of “Income Under Management,” emphasizing that traditional budgeting is backward-looking and often ineffective. Instead, by redirecting income into a separate reservoir account before it hits the spending account, clients automatically become better savers; often without conscious effort.
  2. Create Transformative Client Value: Structuring cash flow in this way not only delivers better client results but can also transform relationships. Clients frequently report a sense of confidence and clarity, with some even saying, “You have transformed my life.” This leads to stronger engagement and higher referability.
  3. Business Impact: By helping clients increase their rate of saving and investing (from the national average of ~4% to 20%+), advisors can dramatically grow their own businesses. More client savings translates into more assets to manage. A true win-win!

 

Sponsor: 

 

Connect with David Mozeika & Currence

 

Resources: 

 

Connect With Bill Cates:

 

About David Mozeika

David Mozeika has dedicated over 20 years to the financial services industry, consistently ranking in the top 1% of his peers. Recognized as a top advisor by Forbes, David has a proven track record of helping clients manage their cash flow to achieve their financial goals. His innovative approach led to the creation of Currence, a platform designed to change the direction of cash flow and introduce a “speed bump” between income and spending.

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#107 – 3 Top Advisor Growth Strategies – Part 1 with Bill Cates, CSP, CPAE

Client Experience & Loyalty, Creating Advocates, Philanthropy, Referrals & Introductions, , , , , , , , , , , , , , , , , , , , , , , , , ,

Welcome to a special solo edition of the Top Advisor Podcast! In this episode, host Bill Cates pulls from decades of coaching, interviewing, and his own experience to deliver a powerful session on best practices for bringing in new clients and creating real advocates for your business.

Unlike typical interview-driven episodes, today’s focus is on actionable principles, strategies, and tactics that top advisors are using right now.

Bill dives deep into what it means to be truly referable and remarkable, i.e., “worthy of remark” – exploring the vital difference between simply keeping clients happy and elevating your relationships to the level where clients enthusiastically introduce you to others.

You’ll hear real examples from standout advisors, learn about the game-changing 3 Rs of relationship marketing, and discover how targeting the right markets, building strong personal connections, and embracing your clients’ money beliefs can transform the growth and reputation of your practice.

Packed with concrete examples, episode references, and tested tools, this solo session is your roadmap to moving from incremental to exponential growth, cultivating a culture of introductions, and becoming the advisor everyone talks about.

Tune in for inspiration, insights, and practical steps you can start using today.

3 Top Takeaways

  • Being Referable Means Going Beyond Good Service: Bill Cates emphasizes that referability is about creating deeper engagement and trust with clients. It’s not just about solid financial planning; it’s about forming value connections and personal connections that turn clients into advocates.
  • Build a Clear Target Market and Reputation: Many top advisors cited in the episode have a well-defined target market, which makes their messaging more relevant, strengthens their reputation, and leads to more introductions. As Bill Cates points out, “vague intentions produce vague results; clear intentions produce clear results.”
  • Leverage Empathy & Money Stories: Helping clients explore and reframe their beliefs about money builds lasting relationships and positions you as a trusted advisor. Bill Cates shares how unpacking “broken money stories” brings a rich value to your clients that few advisors leverage. This strategy creates advocates and unsolicited referrals.

Whether you’re a seasoned pro, just starting out, or somewhere in between, these principles, strategies, and tactics are game changers for client acquisition and building a thriving practice.

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