Tag: Legacy Planning
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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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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How to Prepare for the Death of a Loved One With Carrie Shoener (Ep. 46)

How to Prepare for the Death of a Loved One With Carrie Shoener (Ep. 46)

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Reflecting on the loss of a loved one is an agonizing journey nobody willingly embarks on.

Yet, those who take proactive steps to brace themselves for such an inevitable occurrence are often spared the crippling weight of financial burden and the relentless onslaught of emotional upheaval in the aftermath.

Join Nicole Romito as she welcomes her esteemed colleague, Carrie Shoener, to discuss the critical but often overlooked topic of preparing for the death of a loved one. Despite the difficulty, it is essential to have these conversations to ensure that everything is in order and wishes are understood. 

Learn key steps and best practices as Nicole and Carrie discuss:

  • How to approach the end-of-life conversation with your loved ones
  • Strategies for ensuring family members have access to essential documents and passwords
  • The importance of having updated financial and estate planning documents 
  • Tips for sharing sensitive topics with family members to avoid future conflicts
  • And more

Resources:

Connect with Nicole Romito: 

Connect with Carrie Shoener:

About Our Guest: 

Carrie Shoener is an advisor at Private Vista LLC. Her previous work as a high school teacher emphasized how important it is to build strong relationships as the cornerstone of one’s career. That same principle guides her work as an advisor, where she is able to continue helping people solve problems and make empowered decisions about their futures. Carrie sees her role as a trusted and empathetic source of financial education, and she enjoys working with clients to build up their knowledge and understanding of their options.

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