Tag: Financial Advisor
REPLAY: Finding Purpose Beyond Financial Independence with Jeff Toner (Ep. 79)

REPLAY: Finding Purpose Beyond Financial Independence with Jeff Toner (Ep. 79)

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What happens after you reach financial independence? Many assume retirement means endless relaxation, but the reality is often more complex.

How do you find meaning when career obligations no longer drive your daily routine? What brings fulfillment in this new chapter of life?

In this episode, Nicole Romito revisits a conversation with Jeff Toner, CHFC®, RICP®, Partner at Private Vista, about moving beyond the numbers to discover purpose and meaning after achieving financial independence. Jeff shares insights from nearly 40 years in financial planning, discussing the evolution from solving math problems to helping clients navigate life transitions. 

He explores resources for designing your next phase, real-world examples of clients finding fulfillment, and practical approaches to climbing the “second mountain” of purpose-driven living.

Jeff discusses:

  • The shift from retirement planning as a math problem to conversations about purpose and life design
  • How financial independence often arrives earlier than expected, creating both opportunity and uncertainty
  • Practical resources like “Designing Your Life” and “The Second Mountain” for mapping your next chapter
  • Real examples of clients finding meaning through social enterprises, education programs, and service work
  • Why staying curious, investing time in exploration, and maintaining connections are essential to fulfillment
  • And more!

Resources:

Connect with Nicole Romito: 

Connect with Jeff Toner:

About Our Guest: 

Jeff Toner, CHFC®, RICP®, Partner at Private Vista, now almost 40 years into his career, has the luxury of looking backward and reflecting on the journey he has been on. Back in 1984, he didn’t know what a fiduciary was or what a financial planner did. What he did know was he wanted to help people with their finances and achieve their goals in life. He wanted to do it in a way that he wasn’t selling them a product but rather walking side by side with them as they moved toward their dreams. Jeff has been with them in moments of great joy and cried with them during their times of sadness. He has taught and educated them, but more importantly, he has been taught and learned from them as well.

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Financial Truths Every Woman Needs to Hear with Terry Savage (Ep. 78)

Financial Truths Every Woman Needs to Hear with Terry Savage (Ep. 78)

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Most women carry the weight of financial decisions while juggling careers, caregiving, and the pressure to simply “figure it out.” 

In this conversation, Nicole sits down with nationally recognized money expert Terry Savage for a grounded, candid look at what women need to know at every stage of life. They unpack why time is one of your most powerful financial tools, the real impact of credit card debt, how early investing can change your future, and why long-term care planning matters more than most people realize.

What to expect from this episode:

  • How to avoid the debt spiral that steals opportunities
  • The power of starting small and starting early
  • Why women’s financial paths include unique challenges
  • How to protect yourself and loved ones later in life
  • And so much more!

Resources:

Connect with Nicole Romito: 

Connect with Terry Savage:

About Our Guest: 

Terry Savage is a nationally recognized expert on personal finance, the economy, and the markets. She writes a weekly personal finance column syndicated in major newspapers by Tribune Content Agency.

She is the author of four best-selling books on personal finance. A new edition of her best-selling book, The Savage Truth on Money is now available on Amazon.com. The first edition was named one of the top ten money books of the year by Amazon.com. Her other recent book is: The Savage Number: How Much Money do You Really Need to Retire? She is also co-author of The New Love Deal.

Terry appears frequently on national television and radio programs, commenting on the financial markets and current economic events. She is featured on WGN Radio and WGN-TV in Chicago, with a weekly personal finance segment.

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What Sports Teach Us About Loyalty & Leadership with Delaney Orozco (Ep. 77)

What Sports Teach Us About Loyalty & Leadership with Delaney Orozco (Ep. 77)

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How does a kid from Louisiana with a 30-inch vertical jump become a leader in finance and coaching? 

Senior Advisor Delaney Orozco joins Nicole Romito for a candid, energizing conversation about the surprising ways competitive volleyball has shaped her personal and professional path.

From the sweltering heat of Southern softball fields to Virginia Tech’s Division I courts, Delaney shares how lessons in teamwork, loyalty, and grit have built the foundation for her success at Private Vista and why coaching young athletes now feels like giving back.

What to expect:

  • Why volleyball taught her to trust deeply and lead better
  • How coaching helped her grow as a parent, teammate, and advisor
  • The surprising way she met her husband on the court
  • Real talk on time management, community, and staying inspired
  • And more!

Previous Episodes of Interest:

Connect with Nicole Romito: 

Connect with Delaney Orozco:

About Our Guest: 

Delaney has always had a passion for coaching others. Whether that be in sports or on their financial wellbeing, she loves being someone that people can go to for advice and help through times of adversity or times of joy. Delaney began as a mathematics major at VT and had planned to teach high school calculus and coach volleyball. As a junior, she decided she might want to do something different from teaching. She knew she could always coach as a hobby, but started her search for a career where she could help people with something that always seemed like a struggle for her own family growing up: the concept of money.

Delaney began in the financial services industry in 2015 as an Associate Advisor. Over my career, she has worked on being able to find the intersection of the day-to-day processes of the financial world and the bigger picture, planning to help clients achieve their Private Vista. She also deeply enjoys developing a guide for clients to help them navigate their psychology behind finance and the numbers they see on the page.

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Aging Parents: How to Start the Conversation – Part 1 (Ep. 74)

Aging Parents: How to Start the Conversation – Part 1 (Ep. 74)

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Starting the conversation about a parent’s care isn’t easy, but it might be the most important discussion you ever have.

In this deeply personal episode, Nicole Romito is joined by her Private Vista partners Jeff Toner and Steve Merdinger for part one of a two-part series on navigating the emotional and practical challenges of aging parents who can no longer live independently.

Together, they reflect on their own family journeys and what they’ve learned from decades of guiding clients through this pivotal life moment.

What to expect:

  • Real stories of loss, transition, and tough family decisions
  • When and how to start the conversation before a crisis strikes
  • How power of attorney can (and should) come into play
  • Navigating sibling dynamics and keeping your parents’ voice central
  • And more!

Previous Episodes of Interest:

Connect with Nicole Romito: 

Connect with Steve Merdinger:

Connect with Jeff Toner:

About Jeff Toner: 

Over the 30 years of doing this work, Jeff has lived many lives through my clients. He has been with them in moments of great joy and cried with them during their times of sadness. He has taught and educated them, but more importantly, he has been taught and learned from them as well.

As a father of three and business owner, Jeff enjoys an enriched life. He channels his time, talents, and energy between family and friends, clients and colleagues, as well as causes that provide a path for those without the opportunities he’s had. Now that Jeff’s children are becoming young adults, he is most excited to explore new directions for the next stages of his life.

About Steve Merdinger:

Steve has been a financial planner since the mid-80s, helping people consider priorities for themselves and their families, and then working closely with them to turn their hopes and dreams into reality. Before that, he worked in his family’s business, which gave him a unique understanding of the financial dynamics of family-owned businesses, including the issues of succession planning.

As I look to my future, Steve hopes to become more involved with mentoring students — perhaps becoming a trainer with the Positive Coaching Alliance organization. He would like to carve out more time for meditating and maintaining his fitness and flexibility through Bikram yoga. And, of course, spending more quality time with his wife and two children.

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Family Business Succession: Balancing Legacy and Relationships (Ep. 72)

Family Business Succession: Balancing Legacy and Relationships (Ep. 72)

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What happens when a family business faces the question of “what’s next”? 

In this conversation, Nicole Romito sits down with Justin Albertson, Vice President of Client Services at The Family Business Consulting Group, to unpack the delicate balance of transitioning a business while preserving family relationships.

Together, they explore why the family side of succession is often more complex than the legal or financial mechanics, and how thoughtful conversations can create alignment across generations. Justin shares real-world examples from successful transitions to tough moments of misalignment, highlighting the importance of open dialogue, clear expectations, and independent third-party guidance.

What to expect in this episode:

  • How to start the right conversations around succession and ownership
  • Why alignment on family values and expectations matters as much as legal documents
  • Lessons from families who navigated transition well and those who struggled
  • The role of a “family constitution” in creating clarity across generations

Connect with Nicole Romito: 

Connect with Justin Albertson:

 About Our Guest:

Justin Albertson is the Vice President of Client Services at The Family Business Consulting Group. With more than 20 years of experience in assessment, organizational effectiveness, leadership development, and executive coaching, he partners with families to strengthen relationships and create strategies that align business success with family vision.

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From Stage to Strategy: How Improv Shaped a Financial Career (Ep. 71)

From Stage to Strategy: How Improv Shaped a Financial Career (Ep. 71)

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What happens when a strategy manager steps off the spreadsheet and into the spotlight? In this uplifting episode, Nicole Romito sits down with Private Vista’s own Michael Im, whose surprising love for performance arts like improv, acting, and choir has quietly shaped his approach to leadership, communication, and empathy in finance.

Michael shares how growing up in a creative Korean American household led him to karaoke nights, improv rooms, and eventually dramatic acting classes in Chicago. But this isn’t just about art. It’s about how performance challenges, emotional vulnerability, and active listening skills transfer powerfully into professional life. Whether it’s running strategic operations or connecting with clients, Michael’s creative lens offers a refreshing take on what it means to be fully human in the finance world.

What to expect in this episode:

  • How improv helped Michael build confidence and communication skills
  • Why singing in a choir taught him more than just harmony
  • The emotional intelligence behind acting and strategic planning
  • The value of showing up authentically (even if you’re off-key)

Connect with Nicole Romito: 

Connect with Michael Im:

About Our Guest:

Michael Im is the Strategy Manager at Private Vista, where he helps streamline operations and empower advisors with more time for their clients. With a background in consulting and operations leadership, Michael also brings a unique creative edge shaped by his lifelong passion for performance arts.

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The Joy of Birdwatching: How Sue Bolt Found Peace, Purpose, and Legacy in Nature (Ep. 70)

The Joy of Birdwatching: How Sue Bolt Found Peace, Purpose, and Legacy in Nature (Ep. 70)

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What started as a simple hobby has grown into a source of joy, peace, and connection for one of Private Vista’s Client Service Associates, Sue Bolt. 

In this special lifestyle episode, Sue joins host Nicole Romito to share how birdwatching has become a grounding force in her life, from childhood memories with her father to creating new experiences with her grandchildren.

Sue opens up about how this passion deepened during the pandemic, how it serves as a form of mindfulness and mental wellness, and how it’s evolved into meaningful multigenerational bonding. From photographing bald eagles to chasing elusive owls, her story is a reminder that fulfillment isn’t just about finances — it’s about finding purpose in everyday passions.

What to expect in this episode:

  • How birdwatching became a multigenerational tradition in Sue’s family
  • The mental health benefits of finding peace in nature
  • Rare bird sightings that still bring her joy
  • Tips for anyone curious about birdwatching
  • And more!

Resources:

Connect with Nicole Romito: 

About Our Guest: 

After many years in the banking industry, Sue shifted to wealth management in 2002. She is part of the Customer Service Associate team as well as the main liaison for all Private Vista’s institutional custodians. Sue takes pride in the strong relationships that she has built over the last 20+ years. Through her daily interactions with clients, she does her best to ensure that she is meeting their needs promptly. She also enjoys problem-solving and the many challenges that her job brings her each day.

Sue loves the outdoors! Birds are her passion, both indoor birds and birds in the wild, so she has taken up bird and nature photography in her spare time. The peace and calm that forests bring her as she visits various locations looking for birds is a huge part of her Private Vista. Sue and her husband also very actively attend their grandchildren’s many sporting events and various other activities. The more time she can spend with their three adult children, their spouses, and their nine grandchildren, the better! Her Private Vista for future years is to have more free time to enjoy the outdoors and to be able to follow the grandchildren’s activities, wherever they may take them!

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How Private Vista Can Help You Navigate Every Stage Of Wealth (Ep. 69)

How Private Vista Can Help You Navigate Every Stage Of Wealth (Ep. 69)

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Most people spend years preparing for retirement, but few feel fully prepared for what happens the day the paycheck stops.

In this special roundtable episode, host Nicole Romito sits down with Private Vista advisors Greg Williams, Miles Johnson, and Julian Bell to answer the real questions clients ask as they move through accumulation and into decumulation. From how much to save, where to save, how to optimize for taxes, and how to confidently withdraw income in retirement, the team breaks down complex financial topics into real-world advice you can actually use.

What to expect during this conversation:

  • How business owners can maximize qualified plan contributions to reduce taxes
  • Smart savings strategies for W-2 employees (including how to leverage HSAs)
  • What executives need to know about stock options, RSUs, and deferred compensation
  • How to replace your paycheck with tax-efficient withdrawals in retirement
  • And more!

Resources:

Connect with Nicole Romito: 

Connect with Our Guests:

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How to Plan A Core Memory Vacation (Ep. 68)

How to Plan A Core Memory Vacation (Ep. 68)

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Some of life’s most meaningful moments aren’t about money—they’re about shared experiences. 

In part two of this special series, host Nicole Romito welcomes back luxury travel expert Byrd Bergeron to explore how intentional travel can create lasting family memories that become part of your legacy.

Whether it’s grandparents bringing multiple generations together or parents planning once-in-a-lifetime trips for their children, Byrd shares insider tips for designing travel that feels personal, unforgettable, and worth every dollar.

What to expect in this episode:

  • Why one-on-one grandparent trips are becoming a legacy trend
  • Creative ways to engage kids in the planning process
  • How to design multi-generational travel that works for everyone
  • Why planning makes all the difference (and saves money)
  • And more!

Connect with Nicole Romito: 

Connect with Byrd Bergeron:

About Our Guest: 

Byrd is the CEO of a $ 13 million travel agency, revolutionizing the luxury travel space. Our innovative model redefines the role of travel agents by allowing them to focus on crafting bespoke experiences. At the same time, our specialized support staff manages the intricate details – from invoicing and dinner reservations to spa appointments and beyond.

Our commitment to curating exceptional itineraries is unwavering. Every booking undergoes a meticulous triple-check process, ensuring flawless execution and unforgettable journeys for our discerning clientele.

At the intersection of luxury and efficiency, we’re not just planning trips – we’re creating experiences that exceed expectations every single time.

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5 Travel Mistakes to Avoid in 2025 with Byrd Bergeron (Ep. 67)

5 Travel Mistakes to Avoid in 2025 with Byrd Bergeron (Ep. 67)

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Most people love to travel, but not everyone knows how to do it well. 

In this vibrant, story-filled episode, host Nicole Romito is joined by luxury travel expert Byrd Bergeron to reveal the five travel mistakes people are making and how to avoid them.

Byrd, the CEO of a thriving $13 million travel agency, shares eye-opening stories (including a pink penguin poop fact you won’t forget) and tactical advice for creating trips that are not only memorable but meaningful. From why early planning beats last-minute booking, to how understanding local events can make or break your itinerary, this conversation offers a fresh perspective on intentional travel—and its connection to living a legacy.

What to expect in this episode:

  • Why using a travel pro saves more than just time
  • A wild rule about cruise ships in Antarctica
  • What happens if you get sick overseas, and don’t speak the language
  • How travel can become part of your family’s legacy story
  • And more!

Connect with Nicole Romito: 

Connect with Byrd Bergeron:

About Our Guest: 

Byrd is the CEO of a $ 13 million travel agency, revolutionizing the luxury travel space. Our innovative model redefines the role of travel agents by allowing them to focus on crafting bespoke experiences. At the same time, our specialized support staff manages the intricate details – from invoicing and dinner reservations to spa appointments and beyond.

Our commitment to curating exceptional itineraries is unwavering. Every booking undergoes a meticulous triple-check process, ensuring flawless execution and unforgettable journeys for our discerning clientele.

At the intersection of luxury and efficiency, we’re not just planning trips – we’re creating experiences that exceed expectations every single time.

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