Trey Peterson and Yelisey Kuts explain how credit scores affect the long-term cost of borrowing and outline the five main FICO factors: payment history (35%), credit utilization (30%), length of credit history, credit mix, and new inquiries. They share practical strategies such as keeping utilization under 30% (ideally under 10% for 800+ scores), paying on time, using auto-pay, spreading balances across cards, and asking for higher credit limits to lower utilization. They discuss how missed payments can drop scores significantly and remain for seven years, plus options like credit repair services and secured credit cards backed by cash to rebuild credit. They debunk myths including that checking your own score or carrying a balance helps, and note that closing old accounts can hurt scores while income does not affect credit score.  

00:00 Why Credit Matters 

01:13 Credit Cards Done Right 

02:52 Debt Stats and Score Basics 

04:21 Utilization Rules 

05:36 FICO Factors Explained 

06:28 Late Payments and Autopay 

08:10 Credit Mix and Repair 

09:36 Inquiries and Timing 

16:51 Rebuilding Credit Fast 

17:48 Common Credit Myths 

20:16 Simple Credit Checklist 

21:26 Wrap Up and Resources

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast... 

Spotify: https://open.spotify.com/show/2iIDj87... 

YouTube:    / @allthingsfinancialshow   

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

Trey Peterson and Yelisey Kuts break down three pillars of retirement tax planning for those in or nearing retirement: understanding your tax “buckets” (taxable, tax-deferred, and tax-free/Roth) and why having multiple buckets creates flexibility; evaluating when Roth conversions make sense (especially to manage future RMDs, tax brackets, and timing) including a look at “mega backdoor” Roth opportunities in some 401(k)s; and building a tax-efficient income stream with a clear spend-down plan and order of withdrawals. They also caution listeners about IUL pitches, emphasizing fees, commissions, and the risk that illustrations don’t match reality, and encourage working with a retirement planning specialist to avoid costly mistakes.

00:00 Welcome and Overview

01:21 Tax Buckets Explained

03:57 Roth 401k Advantages

06:43 IUL Warning Signs

08:23 Roth Conversions Basics

11:19 Conversion Timing and Investing

13:16 Mega Backdoor Roth

14:38 Tax Efficient Income Plan

15:53 Withdrawal Order and Brackets

18:04 Specialist vs Generalist

21:22 Three Pillars Recap

21:53 Closing and Disclosures

Subscribe to the podcast:
Apple Podcasts: https://podcasts.apple.com/us/podcast...
Spotify: https://open.spotify.com/show/2iIDj87...
YouTube:    / @allthingsfinancialshow  

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Contact us: https://atfwealth.com/contact-us

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

00:00 Money Decisions as Patterns
00:53 First Money Mistakes
01:51 Debt and Depreciation Lessons
04:30 Early Money Mentors
07:05 DIY Retirement Pitfalls
09:33 Best Moves in Your 20s
11:39 Stretch vs Comfort Philosophy
17:18 Overrated Retirement Advice
18:23 Career Compounding and Fit
20:43 Tough Partner Decisions
22:27 Advisor Strengths Breakdown
25:38 Business Growth Surprises
28:43 Money Fears vs Reality
32:11 Planning for Peaceful Retirement

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:
Trey C. Peterson: trey@atfwealth.com
Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580
Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

00:00 Welcome and Culture Topic
01:16 What Culture Really Means
02:23 Core Values Must Be Lived
03:47 Hiring and Personal Chaos
04:57 Three Culture Pillars
05:58 Core Values at ATF
06:14 Alignment in Practice
09:01 Character vs Skill Fit
11:45 People Quit Managers
13:51 Integrity and Doing It Right
14:36 Hiring Slow Firing Fast
17:17 Leaders Create Culture
17:27 Fun and Morale Strategy
19:09 Belonging and Recognition
20:29 Low Budget Morale Ideas
22:39 What We Can Do Better
26:00 EQ and Leaving Home at Home
26:43 Recap and Closing
27:15 Disclosures

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:
Trey C. Peterson: [trey@atfwealth.com]
Yelisey Kuts: [yelisey@atfwealth.com]

Phone: (612) 286-0580
Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

Are annuities a guaranteed paycheck for life, or a costly product that's misunderstood by most retirees?

In this episode, Trey and Yelisey break down everything you need to know about annuities and how they fit into a retirement strategy. They explain the different types of annuities, how they generate income, and the pros and cons that often get overlooked in the sales pitch. The conversation covers who annuities make sense for, common myths and misconceptions, fees and surrender charges to watch out for, and how to evaluate whether an annuity belongs in your overall financial plan.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:
Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696
Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi
YouTube: /@allthingsfinancialshow

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:
Trey C. Peterson: trey@atfwealth.com
Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580
Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master's degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master's degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

Retirement is one of the biggest financial and lifestyle transitions you may ever make, and this episode explains why it requires more than simply building a large nest egg. Trey and Yelisey walk through the importance of clarifying expenses, creating a smart income strategy, planning for healthcare costs, and understanding how retirement spending often changes in the first several years. You’ll hear why the best retirement plans are built around peace of mind, realistic lifestyle choices, and a clear strategy for turning savings into dependable income.

What you’ll learn in this episode: 

(00:19) How transitioning into retirement changes your relationship with work, paychecks, saving, and withdrawing money.

(00:54) Why retirement may last 20 to 30 years and why that longer runway should shape your planning.

(01:26) How retirees can turn investment accounts into a recurring paycheck with taxes withheld.

(03:02) Why retirement planning conversations should begin several years before you expect to retire.

(03:55) How to identify your income gap by comparing guaranteed income sources with real expenses.

(05:22) Why some people spend more in the early years of retirement instead of less.

(08:26) How shifting from a nest egg mindset to an income mindset can create more retirement confidence.

(17:23) Why healthcare costs, travel goals, and lifestyle expectations need to be built into the retirement plan.

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/ 

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about annuities or other financial topics? Send Yelisey, Trey an email and they could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

This episode explores whether college is still a worthwhile investment in a world where tuition is rising and alternative paths are becoming more viable. Trey and Yelisey break down the financial, personal, and career factors that determine whether higher education truly pays off.

What you’ll learn in this episode:

(00:58) Why the value of a college degree depends on your major, your goals, and your long-term earning potential.

(03:38) How to decide whether you should pursue a four-year degree.

(04:25) What current college tuition averages look like.

(07:00) How trade schools and skilled labor paths can offer higher earnings with significantly lower debt than traditional college routes.

(09:44) Why your early twenties should be viewed as “learning years,” not “earning years.”

(12:59) The importance of mentors, relationships, and being in the right “rooms” when it comes to career development.

(18:46) How networking can be some of the biggest returns on your education investment.

(27:16) Practical financial tips for choosing a college and seeking scholarships.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

What you’ll learn in this episode:

(01:28) How compound interest works using simple, memorable real-life analogies.

(05:38) How undervaluing your time can become a costly financial mistake.

(11:39) Why emotional reactions during market volatility create long-term damage.

(13:57) How missing just a few strong market days can drastically reduce returns.

(17:24) Why sudden wealth can be dangerous without the character to manage it.

(19:32) How attempting to eliminate all risk can lead people to reintroduce it in unhealthy ways.

(23:36) Why honest financial guidance sometimes requires uncomfortable conversations.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

In this episode, Sophia Skoog interviews Trey C. Peterson on leadership lessons learned through building a business, developing people, and navigating seasons of growth. He shares how leadership is less about titles or rapid success and more about becoming the person capable of stewarding influence well. The conversation centers on character, culture, and building something that lasts beyond recognition or financial gain.

What you’ll learn in this episode:

(01:41) How early misconceptions about readiness can limit long-term leadership growth.

(03:18) Why building a dream requires the right team, not just individual effort.

(05:42) How learning seasons prepare leaders for future earning and influence.

(08:14) Why prioritizing family and values protects leadership over time.

(10:03) How stewardship and generosity shape sustainable leadership influence.

(13:15) Why character-driven decisions matter more than short-term financial wins.

(28:57) How to distinguish between building something impressive and something enduring.

Thanks to Sophia Skoog for coming on the show! Connect with Sophia: https://www.linkedin.com/in/sophia-skoog-402342265/

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement goals or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

A provision in the 2022 Inflation Reduction Act will cap annual out-of-pocket prescription drug costs for people in Medicare prescription drug plans, beginning at $2,000 in January 2025.

A new AARP report analyzes the number of enrollees that will benefit from the cap by state, age, gender, and race between 2025 and 2029. The findings indicate that Medicare drug plan enrollees who reach the new out-of-pocket cap will see average savings of roughly $1,100, or 56%, in 2025 for their prescription drugs.

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

This episode breaks down common questions people ask financial advisors that often signal unrealistic expectations about markets, taxes, and retirement certainty. Trey and Yelisey explain why guarantees, predictions, and comparisons to others can undermine sound financial planning. Instead, they emphasize conservative projections, personalized strategies, and the importance of perspective in building lasting financial confidence.

What you’ll learn in this episode:

(00:43) Why asking a financial advisor to guarantee returns reflects a misunderstanding of risk and long-term planning.

(03:17) How minimizing taxes legally differs from unrealistic expectations of eliminating taxes entirely for people preparing for retirement.

(05:58) Why predicting short-term market performance is impossible.

(08:05) Why questions about hiding money create ethical, legal, and relational risks investors should avoid.

(11:11) How risk tolerance, lifestyle flexibility, and fixed expenses shape vastly different financial recommendations.

(14:09) Why retirement timelines cannot be guaranteed and how small changes in assumptions dramatically affect outcomes for investors.

(17:18) How conservative planning and honest course correction can help you stay on track when spending or assumptions drift.

(23:21) Why mindset, purpose, and planning for life after work are critical to a fulfilling retirement.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

What you’ll learn in this episode:

(0:41) How Trey and Yelisey’s early jobs and family backgrounds influenced their views on money and work.

(2:36) The biggest financial mistake Trey made early in marriage.

(6:10) Why emergency funds are essential.

(7:41) How Trey’s upbringing in a pastor’s family taught him stewardship, humility, and long-term investing.

(11:11) What financial success looks like at different life stages.

(16:41) Why you must find purpose before retirement to avoid depression and “gray divorce.”

(21:45) How delayed gratification protects your future.

(24:54) How Trey and Yelisey help clients find peace and purpose even when finances don’t go as planned.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

In this episode, Trey and Yelisey tackle a question many people face once they’ve moved beyond living paycheck to paycheck: what comes next? From self-investment and business growth to real estate and credit strategy, your hosts outline the key steps to multiplying wealth rather than just saving it. Whether you’re newly earning extra income or ready to scale, this episode breaks down how to use cash flow as a tool for lasting financial freedom.

What you’ll learn in this episode: 

(02:20) Why investing in yourself through education, mentorship, and skill development often produces the best ROI.

(05:39) How building your value at work can multiply your income.

(07:31) How business owners can reinvest profits for long-term growth.

(14:03) Why 401(k)s, IRAs, and Roth accounts are essential for wealth preservation.

(16:14) How real estate can build both income and equity.

(27:01) The impact of credit scores on borrowing costs, wealth creation, and financial opportunity.

(30:50) The five key steps for turning extra income into a sustainable wealth-building plan.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: trey@atfwealth.com 

Yelisey Kuts: yelisey@atfwealth.com 

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/ 

Trey and Yelisey discuss the subtle, non-dramatic financial errors that can significantly hinder a person's ability to retire well. The episode highlights how delay, lack of planning, and emotional decision-making act as the primary barriers to long-term wealth. Listeners are encouraged to replace fear with disciplined habits and consistent action to achieve true financial peace.

What you’ll learn in this episode:

00:49 Small, quiet mistakes like lack of consistency can be more damaging to your future than major events like bankruptcy.

02:54 Skipping the first ten years of investing can result in losing approximately 40% of your total potential savings.

04:49 Successful retirees often share a pattern of consistent employment without long gaps between paychecks.

06:36 Despite rising costs of living, a survey shows that nearly 47% of Americans still lack a formal financial plan.

07:53 When receiving a raise, it is vital to wait at least four months before increasing your consistent lifestyle expenses.

12:11 The median American family currently holds less than $10,000 in liquid savings, leaving them vulnerable to common emergencies.

15:40 Letting emotions drive your financial choices is a common pitfall that can be overcome with disciplined management.

19:01 Working just two additional years past a projected retirement date can often help maintain a desired lifestyle indefinitely.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Financial mistakes are often rooted in emotional triggers like fear, greed, and scarcity rather than a lack of intelligence or market knowledge. By identifying personal "money scripts" and shifting toward an abundance mindset, individuals can move away from survival mode and toward genuine financial peace. Working with a professional to create a visual, comprehensive plan allows retirees to pre-decide their actions during volatility, ensuring they stay disciplined enough to enjoy their best years.

What you’ll learn in this episode:

(00:00) How fear, scarcity, and greed influence everyday financial decisions.

(02:34) Why retirement transitions often trigger emotional responses about control and income.

(07:20) How panic selling during market downturns can cause investors to miss major recoveries.

(10:40) Why inflation quietly erodes purchasing power over decades.

(19:13) How missing just a handful of the market’s best days dramatically reduces long-term returns.

(20:26) Why identifying personal “money scripts” is critical for financial growth.

(27:15) How organized, comprehensive planning creates financial peace for retirees.

(32:02) Why disciplined savers sometimes struggle to enjoy the wealth they worked hard to build.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. Yelisey and Trey are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

November is National Palliative Care Month. Seriously ill patients often juggle many doctor visits, complicated medication schedules, and care instructions. They also experience a range of emotions that comes with navigating complex condition management. Serious illness can also affect patients financially because it's common for people with these conditions to end up in the hospital or emergency room on multiple occasions. The goal of palliative care is to improve patient well-being and provide comprehensive, wrap-around support throughout their treatment journey. And when loved ones choose palliative care, caregivers also get the help they need to take better care of themselves.

---

Schedule Your Meeting:

Trey Peterson --- trey@gwealth.com

Yelisey Kuts --- yelisey@gwealth.com

Phone Number --- (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

In this episode, Trey and Yelisey open up about the real challenges financial advisors face behind closed doors—from overspending clients to emotional investing and hidden purchases. Through honest stories, they reveal how transparency, planning, and partnership can make or break retirement success. This conversation offers a rare glimpse into the confessions, frustrations, and lessons learned from helping hundreds of families navigate their financial futures.

What you’ll learn in this episode:

(02:46) Why underestimating living expenses is one of the most common mistakes retirees make.

(04:32) How disconnects between spending habits and financial reality create tension for couples nearing retirement.

(08:00) Why being transparent with your spouse and advisor can prevent costly financial surprises.

(10:07) The hidden impact of big purchases on long-term financial health.

(13:19) How misleading financial advice on social media fuels risky decisions.

(20:57) Why emotions and investing don’t mix—and how advisors help clients stay objective.

(23:07) The dangers of blindly trusting financial advisors.

(32:21) Why shared responsibility and understanding between spouses are essential for a healthy financial future.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement planning or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial 

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

This episode tackles the awkward financial questions most people avoid asking and explains why those conversations are essential for a secure retirement. Trey and Yelisey break down questions related to savings, spending, longevity, taxes, and emotional decision-making, and how they all influence whether retirement plans succeed or fail.

What you’ll learn in this episode:

(01:00) Why asking whether you are actually on track for retirement is one of the most important conversations to have.

(02:00) How understanding how long your money will last changes retirement confidence.

(05:00) Why retirement success is driven more by expenses than by hitting a specific savings number.

(09:00) What the 4% rule does—and does not—account for when planning long-term income.

(12:44) What value a financial advisor should provide when charging an ongoing fee.

(15:46) Why working with a retirement specialist matters more as retirement approaches.

(19:45) How understanding account types affects taxes, withdrawals, and long-term outcomes.

(28:24) Which spending habits quietly shorten retirement timelines and reduce flexibility.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

In this episode, Trey, Yelisey, and guest Keith Craft explore the connection between financial discipline, leadership, and legacy. The discussion will challenge you to replace budgeting with margin-based living and to think differently about money, wisdom, and long-term impact.

Keith Craft is a pastor, entrepreneur, and leadership coach. He leads one of the largest Christian masterminds in the U.S. and has invested decades coaching business owners, executives, and leaders to think with wisdom and build a lasting legacy.

Trey and Yelisey have participated in Keith’s masterminds and leadership groups for over four years and credit his coaching with shaping their leadership style, business growth, and family priorities.

Thank you to Keith Craft for coming on our show!

Learn more about Keith, his coaching, and his masterminds: https://keithcraft.com/

Check out Keith’s book, Leadershipology 365: Leadership Inspiration for Every Day: https://www.amazon.com/dp/B0DQL4GBZ8

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

What you’ll learn in this episode: 

(01:02) Why giving the first 10% of your income sets the foundation for purpose and financial success.

(04:42) The importance of spending less than you earn.

(09:51) How to avoid lifestyle creep by keeping housing and car payments under control.

(13:03) Why debt can be both a destructive burden and a valuable tool.

(17:09) How consistency and time in the market outperform attempts at timing investments.

(20:20) The value of knowing your financial freedom number.

(28:08) Why protecting your downside with insurance is critical for financial security.

(32:26) The importance of investing only in what you understand.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: trey@atfwealth.com 

Yelisey Kuts: yelisey@atfwealth.com 

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/ 

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about annuities or other financial topics? Send Yelisey, Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about financial topics? Send Yelisey, Trey an email and they could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580 

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. 

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about annuities or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about annuities or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about annuities or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

In this episode, Trey Peterson and Yelisey Kuts kick off Season Two with a candid conversation about redefining wealth, building stability, and balancing career choices with personal passions. They share personal stories, financial lessons, and insights from working with clients across all stages of life. The discussion challenges common myths about money, entrepreneurship, and success, offering practical guidance for creating lasting financial peace.

What you’ll learn in this episode: 

(00:44) Why All Things Financial is expanding to cover fresh insights for younger and older audiences alike.

(03:02) How true wealth is more about freedom and peace of mind than numbers in an account.

(04:47) Why chasing income without considering fulfillment can lead to dissatisfaction.

(09:26) How successful careers balance passion, skills, and necessary but less enjoyable tasks.

(13:35) Why discovering your unique talents is key to long-term success.

(17:18) How to focus on people who are truly aligned with your goals.

(24:03) Why mastering financial basics like savings and debt payoff creates stability and long-term wealth.

(28:26) How entrepreneurs can manage risk without betting everything on one idea.

Learn more about Trey C. Peterson, Yelisey Kuts, and "All Things Financial”: https://ATFPodcast.com

Subscribe to the podcast: 

* Apple Podcasts: https://apple.co/46Ofekh 

* Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

* YouTube: https://www.youtube.com/@allthingsfinancialshow 

In this podcast, Trey C. Peterson & and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

* Trey Peterson: trey@atfwealth.com

* Yelisey Kuts: yelisey@atfwealth.com

* Phone: (612) 286-0580

Trey Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

All Things Financial serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Our advisory team provides fiduciary advice and services to individuals, businesses, and nonprofit organizations. Our mission is to help you: Retire once, Retire well. 

This episode was produced by Story On Media: https://www.storyon.co/ 

In this episode, Trey and Yelisey talk with Jordan Montgomery about the transformative power of authentic encouragement. Jordan shares personal stories from his career in wealth management, his faith journey, and the pivotal moments that reshaped how he leads and serves others. Together, they unpack how encouragement, when rooted in truth and presence, creates trust, clarity, and lasting impact in both leadership and life.

Jordan Montgomery is a leadership coach, speaker, and former wealth management professional. He is the author of The Art of Encouragement, where he challenges leaders to build trust and connection through authentic encouragement rooted in faith and self-awareness.

What you’ll learn in this episode:

(02:15) Why gratitude is one of the fastest ways to establish trust in any relationship.

(04:42) Why personal failure can become the foundation for meaningful leadership growth.

(10:46) How prayer and patience can clarify major career and life transitions.

(13:13) The difference between authentic encouragement and empty affirmation.

(16:29) Why asking better questions often matters more than giving advice.

(24:27) How self-awareness and feedback expose leadership blind spots.

(38:25) Why showing up with presence can be more powerful than words.

Thanks to Jordan Montgomery for coming on the show!

Be sure to get Jordan’s The Art of Encouragement: https://www.amazon.com/dp/1394234473

Attend Jordan’s live leadership events and speaking engagements. Learn more:

https://www.instagram.com/jordanmmontgomery/

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. Trey and Yelisey are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about financial topics? Send Yelisey, Trey an email and they could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about annuities or other financial topics? Send Yelisey, Trey an email and they could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about bank CDs or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about taxation in retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

Trey Peterson --- trey@gwealth.com

Yelisey Kuts --- yelisey@gwealth.com

Phone Number --- (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about annuities or other financial topics? Send Yelisey, Trey an email and they could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! 

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580 

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about pensions or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about annuities or other financial topics? Send Yelisey, Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themsevles as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Trey, and Ryan an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

 Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial 

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Experian’s 2024 U.S. Identity and Fraud report reveals how consumers feel about cyber threats and their online footprint.

• Identity theft (84%) and stolen credit card information (80%) are consumers top online security concerns.
• People want more types of identity recognition techniques used to verify their identities.
• 70% of businesses said that AI fraud is expected to be the second greatest challenge for their business.

WITH GUEST: Michael Bruemmer, Global Data Breach Resolution & Consumer Protection, Experian

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580 

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. 

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Learn strategies to protect your purchasing power, make the most of your retirement benefits, and ensure your savings keep pace with rising costs. Whether you're already retired or planning, this episode is packed with insights to help you navigate the challenges of inflation.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

Trey Peterson --- trey@gwealth.com

Yelisey Kuts --- yelisey@gwealth.com

Phone Number --- (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. 

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. Trey and Yelisey are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

In this episode, Trey and Yelisey break down the classic rent-versus-buy debate from both emotional and financial angles. They explore the true costs of homeownership, from property taxes to maintenance, and when renting might actually be the smarter option. By the end, you’ll have a clearer understanding of how to align your housing choices with both your finances and lifestyle values.

What you’ll learn in this episode: 

(00:40) How your biggest asset—your home—can act more like a savings account than an investment.

(02:37) How personal experiences and timing shape attitudes toward buying and renting.

(05:10) The pros of renting include flexibility, fewer responsibilities, and no upfront costs.

(06:03) The downsides of renting include no equity, rising rent, and limited control over your space.

(09:40) How choosing the right location and real estate agent can turn homeownership into a better investment.

(12:10) How much of your income should go toward housing.

(16:15) Why homeownership costs extend far beyond the mortgage, including maintenance, taxes, and unexpected expenses.

(20:57) How your home can be more than an asset—it can be an emotional and relational investment in family life.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: trey@atfwealth.com 

Yelisey Kuts: yelisey@atfwealth.com 

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/ 

This episode explores the "Retirement Red Zone," the critical period spanning the final years of work and the beginning of retirement when investors must shift from accumulating wealth to creating a sustainable income plan. Trey and Yelisey discuss the technical complexities of optimizing government benefits and navigating enrollment rules to avoid lifelong financial penalties. Discover the psychological and strategic shifts required to confidently spend assets and manage market risks like the sequence of returns.

What you’ll learn in this episode:

00:00 Why the retirement red zone is one of the biggest financial transitions in life.

02:00 How to shift from earning a paycheck to creating your own income stream.

05:00 Why most people don’t understand their investment fees and how that impacts long-term outcomes.

08:00 How Social Security timing decisions can significantly affect total lifetime income.

17:30 What to know about Medicare enrollment windows and how to avoid lifetime penalties.

24:00 Why shifting from saving to spending is psychologically difficult and how to overcome it.

27:00 How sequence of returns risk can impact how long your money lasts.

31:30 Why coordinating income sources and creating guaranteed income leads to greater retirement confidence.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

This episode focuses on the fundamental shift from reactive, emotional money management to a disciplined, purpose-driven approach to building wealth. Hosts Trey Peterson and Yelisey Kuts discuss the psychological traps of social media comparison and the importance of maintaining "margins" in your income to ensure long-term financial peace. By prioritizing consistency over fads, listeners learn how to leverage business, real estate, and the stock market to achieve a secure and successful retirement.

What you’ll learn in this episode:

00:00 Why building wealth requires discipline and a clear plan in a chaotic world filled with conflicting financial advice.

01:07 How social media and fast-moving news cycles create emotional reactions that can derail smart financial decisions.

03:10 Why consistency and long-term saving habits often outperform high income alone when building wealth.

07:19 How chasing “shiny object” investments can sabotage long-term financial success.

10:47 What it means to live within financial margins instead of obsessively tracking every expense.

17:07 Why investing in your career or business can be one of the most powerful wealth-building strategies.

23:32 How lifestyle creep can erase income increases and prevent people from gaining financial breathing room.

34:58 Why following a small number of trusted voices and strategies helps investors stay consistent for decades.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Hospital patients are even safer today than they were in 2019. That’s according to a new report by the American Hospital Association (AHA). Retirement.Radio’s Matt McClure speaks with Dr. Chris DeRienzo with the AHA about the study, what led to the results, and how lessons learned from the pandemic are helping improve patient outcomes.

Schedule Your Meeting:

Trey Peterson --- trey@gwealth.com

Yelisey Kuts --- yelisey@gwealth.com

Phone Number --- (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. 

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

In this episode, Trey and Yelisey outline practical strategies to help you build a retirement plan that withstands market swings, inflation, and longevity risk. They explain why balanced risk, Social Security timing, and the following three “buckets of money” can profoundly change retirement outcomes:

* Yellow Bucket: Your protected, no-risk money (cash, savings, Social Security, pensions).

* Green Bucket: Your low-risk income money (bonds, money markets, T-bills, annuities).

* Red Bucket: Your growth money (stocks, mutual funds, ETFs).

What you’ll learn in this episode:

(00:49) How to use the three “buckets of money” to balance safety, income, and growth in retirement.

(03:39) Why differing risk tolerances within a household can create inefficiencies.

(06:04) How past financial trauma can push investors into overly conservative strategies that limit long-term growth.

(11:19) Why bond underperformance over the past five years creates challenges for traditional 60/40 portfolios.

(14:27) Why consistency and time in the market outperform attempts to time market highs and lows.

(15:57) How retiring even one year earlier can reduce the lifespan of retirement savings by multiple years.

(22:07) What rising life expectancy means for long-term financial planning.

(32:47) How Social Security tax treatment can dramatically increase retirement income.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

In this episode, Trey and Yelisey explore why "money" often feels like a curse word in today’s culture — and how to shift that mindset toward stewardship, abundance, and confidence. They unpack how upbringing, relationships, and even faith can shape our emotional relationship with money. 

What you’ll learn in this episode: 

(00:20) Why so many people associate money with stress, shame, or fear—and how to flip that mindset.

(01:10) How cultural experiences and personal history shape your relationship with money.

(03:33) Why basic financial disciplines like budgeting and debt reduction still work—no matter your background.

(04:59) How financial transparency and communication can strengthen relationships.

(09:23) Why some people don’t have an expense problem—they have an income problem, and how to fix it.

(14:05) How choosing an abundance mindset over a scarcity mindset changes your financial future.

(16:41) Why generosity is the key to staying grounded as your income grows.

(24:27) How to build an emergency fund and make intentional choices that create financial peace.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: trey@atfwealth.com 

Yelisey Kuts: yelisey@atfwealth.com 

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/ 

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580 

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

This episode breaks down the foundational principles of leadership, starting with the often-overlooked skill of leading yourself. The hosts explore how leadership impacts every area of life: from personal habits to family dynamics and workplace culture. By focusing on consistency, humility, and intentional action, they reveal what it truly takes to lead well over the long term.

What you’ll learn in this episode:

(00:00) Leadership begins with learning how to lead yourself before anyone else.

(02:34) Why taking action matters more than consuming information.

(04:43) How habits and consistency shape your ability to lead effectively.

(06:51) What it looks like to lead your family through intentional conversations and values.

(08:06) Why small, overlooked issues can become major problems over time.

(10:52) How family meetings and clear values create stronger leadership at home.

(19:27) Why leadership in the workplace doesn’t require a title.

(22:57) How identifying blind spots and encouraging feedback improves leadership performance.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

In this episode, Trey and Yelisey explore how long-term care needs can dramatically impact retirement—financially, emotionally, and relationally. They explain why 70% of Americans will need some form of care and why failing to prepare can drain even strong retirement plans. They also walk through self-insuring, traditional insurance, and hybrid solutions to help you build a plan that protects both your finances and your family.

What you’ll learn in this episode: 

(03:01) How unpredictable health events and expenses can destabilize even well-structured retirement projections.

(05:28) What types of care exist beyond nursing homes. 

(08:07) How caregiving often falls on family members. 

(11:16) What activities of daily living (ADLs) are and why they determine whether a policy will pay benefits.

(14:54) The true annual costs of long-term care today. 

(23:13) The three funding paths for long-term care are self-insuring, traditional long-term care (LTC) insurance, and hybrid or annuity-based solutions.

(36:49) How to evaluate premiums, waiting periods, and payout structures when comparing long-term care solutions.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: trey@atfwealth.com 

Yelisey Kuts: yelisey@atfwealth.com 

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/

--

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

Trey Peterson --- trey@gwealth.com

Yelisey Kuts --- yelisey@gwealth.com

Phone Number --- (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

In this episode, Trey and Yelisey chat with Dr. Mark Rutland about what it takes to turn a crisis into a comeback. From rescuing failing organizations to building thriving ministries, Dr. Rutland shares timeless lessons about flexibility, stewardship, character, and faith. This conversation blends practical financial wisdom with spiritual insight, offering hope for anyone trying to rebuild. 

Dr. Mark Rutland is an author, educator, and leadership consultant who has revitalized organizations such as Southeastern University and Calvary Church. He is the founder and director of the National Institute of Christian Leadership (NICL) and Global Servants, a ministry that fights human trafficking

What you’ll learn in this episode: 

00:11 Why flexibility is a powerful trait of effective leaders.

01:36 How Dr. Rutland helped rescue Oral Roberts University from financial collapse.

03:46 The parallels between fixing a university’s finances and managing household debt.

07:08 The difference between good debt that produces value and bad debt that drains resources.

10:29 Practical principles for saving, giving, and living below your means.

16:24 How to manage pressure, risk, and the fear of failure in leadership and life.

25:54 The story of Global Servants and the fight against human trafficking in Thailand and Ghana.

Thanks to Dr. Mark Rutland for being on the show! 

Visit https://www.globalservants.org  to learn more about the House of Grace in Thailand and Ghana or to support their mission.

Check out Dr. Rutland’s new book, Keep On Keeping On: How to Die Young ... as Old as Possible: https://amzn.to/43SbFaS 

Learn more about leadership training opportunities through the National Institute of Christian Leadership (NICL): https://www.thenicl.com/ 

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: trey@atfwealth.com 

Yelisey Kuts: yelisey@atfwealth.com 

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/ 

Taxes can quietly become one of the biggest factors in how much retirement income investors and retirees actually keep. In this episode, Trey and Yelisey explain how Social Security taxation, withdrawal order, progressive tax brackets, RMDs, and account location can all affect a retirement plan. They also emphasize the value of proactive tax strategy so retirees can make informed decisions before small mistakes become expensive surprises.

What you’ll learn in this episode:

(01:52) Social Security benefits are subject to federal taxes depending on total income sources.

(03:00) Provisional income is the key calculation used to determine what percentage of Social Security is taxable.

(03:49) Taxation of Social Security has changed significantly since 1984, moving from tax-free to potentially 85% taxable.

(05:48) Most financial experts recommend a withdrawal sequence starting with brokerage accounts, followed by pre-tax accounts, and ending with Roth IRAs.

(09:12) Proper asset location involves placing higher-growth equities in Roth accounts while keeping safer assets in pre-tax vehicles.

(11:27) Required Minimum Distributions must be planned well in advance to avoid unexpected tax consequences.

(12:57) Excessive retirement income can lead to higher Medicare premiums and the loss of certain itemized medical deductions.

(15:46) New legislation introduced a temporary senior tax deduction of $6,000 for qualifying individuals aged 65 and older.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

In this episode, Trey and Yelisey break down the booming wedding industry and reveal how its rising costs directly affect retirees. They explain the opportunity cost behind big gifts, why delayed marriage intersects with retirement planning, and how to provide support without sacrificing long-term financial security. From tax strategies to family dynamics, this episode will help you navigate major life-event expenses with clarity and confidence.

What you’ll learn in this episode:

(00:26) How delayed marriage trends are causing more retirees to fund weddings during their retirement years.

(02:24) Why gifting $10,000–$30,000 has a far larger long-term impact once opportunity cost and compounding are considered.

(03:34) How wedding venue choices and guest counts drastically influence total costs.

(07:50) Which financial accounts to draw from first when helping pay for a wedding.

(08:18) How the annual gift tax exclusion works.

(12:45) Why transfers of appreciated stock can sometimes be a smarter gifting strategy than giving cash.

(14:55) How timing withdrawals across multiple tax years may reduce the tax burden of a large wedding gift.

(15:33) Why giving during life differs financially from gifting through inheritance due to step-up in basis rules.

(21:55) When helping to fund a wedding, why it’s often best to give the money without any strings attached.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! 

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. 

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. Trey and Yelisey are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. 

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial 

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Schedule Your Meeting:
trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:
https://www.youtube.com/Allthingsfinancial 

About Guardian Wealth Strategies:
Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

This episode will invite you to rethink what success really means after age 60 and why mindset matters as much as preparation. Trey and Yelisey discuss identity, purpose, structure, and perspective as key drivers of fulfillment in retirement. Rather than viewing retirement as an ending, the episode reframes it as an invitation to live with intention, connection, and meaning.

What you’ll learn in this episode:

(00:20) How redefining success after age 60 shifts the focus from work to purpose.

(05:16) How losing control over the timing of retirement can affect emotional well-being.

(06:41) Why building purpose outside of work before retirement leads to greater fulfillment later.

(07:21) How structure and rhythm replace a work schedule and improve happiness in retirement.

(09:08) Why service, volunteering, and giving back often provide more satisfaction than a paycheck.

(21:19) How loneliness impacts retirees.

(25:40) Why couples need shared and individual plans to thrive together in retirement.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | ryan@gwealth.com (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!

Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule Your Meeting:

trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580

Subscribe to the YouTube Page:

https://www.youtube.com/Allthingsfinancial

About Guardian Wealth Strategies:

Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.

Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.