Tag Archives: financial advisor podcast

#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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#104 – Building an 8-Figure Financial Practice with Julia Carlson

Leadership, Practice Management, , , , , , , , , , , , , , , , , , , ,

“To grow to an 8-figure business, you have to fire yourself – let go of doing all of the things that you think you have to do as the founder, as the advisor, and really let go so you can step into this visionary leadership role that most founders want to be in.”

Julia Carlson

In this conversation, Julia Carlson shares how she grew her practice from scratch, building a dynamic team and eventually stepping into a visionary leadership role (yes, “firing herself” in the process). 

You’ll hear about her dedication to helping both retirees and entrepreneurs, her passion for holistic financial planning, and her mission to inspire 1,000 entrepreneurs to each give $1 million to causes they care about, ultimately creating a $1 billion movement for good.

Whether you’re looking for insights on scaling a business, creating meaningful differentiation, building a powerful team culture, or simply finding happiness and balance as an advisor, you’ll find Julia brings both practical strategies and a refreshingly authentic perspective. 

Bill and Julia Discuss:

  • How leaders shift from rugged self-reliance to collaborative leadership as their firm scales.
  • How her Retirement Readiness Checklist becomes a magnet for her Right-Fit Clients.
  • The power of serving both pre-retirees and business owners and how this dual focus fuels deeper relationships.
  • Why Julia chose organic growth over acquisitions and what that has meant for her firm’s culture, trust, and scalability.
  • The impact of embedding generosity into a business model and how the $1 Billion for Good movement inspires teams and clients alike.
  • Why modern advisors must blend investment + insurance + planning into one holistic approach.

Sponsor:

Connect With Julia Carlson

Resources: 

Connect With Bill Cates:

About Tessa Santarpia:    

Julia Carlson is the Founder and CEO of Financial Freedom Wealth Management Group, a nationally recognized firm ranked in the top 1% of the industry. An entrepreneur, speaker, author, and educator, Julia has become a respected thought leader on tax-efficient retirement strategies, distribution planning, and exit planning for business owners. She launched her firm at the turn of the century and has since built a reputation for exceptional client service and visionary leadership.

Julia is the author of Money Loves You and has a new book forthcoming in February 2026: Let’s Get You Fired – How Entrepreneurs Scale to 8 Figures by Letting Go and Leading with Vision. Through her coaching and guidance, she helps entrepreneurs grow beyond the hustle, build companies that thrive without their constant presence, and create a legacy of generosity. Her bold mission: help 1,000 entrepreneurs scale to 8 figures and give $1 million each to causes they care about—fueling a $1 billion movement for good.

A frequent voice in the media, Julia has been interviewed by Barron’s, Forbes, Financial Advisor Magazine, MSN, Reuters, InvestmentNews, USA Today, Yahoo! Finance, and Nasdaq. She has been named an InvestmentNews Women to Watch honoree, and a multi-year Forbes Top Women Wealth Advisor.

She works from the firm’s office in the beautiful coastal community of Newport, Oregon, where she lives with her husband and their three children.

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