Financial Advisors – The Life By Design Podcast

How the SECURE Act 2.0 Changes Retirement Planning (Ep. 74)

By thelifebydesignpodcast | January 25, 2023

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When the SECURE Act was first rolled out, clients were eager to learn more about the benefits they could receive. With the latest updates to the SECURE Act entering quietly, financial advisors and their clients might need to learn how to leverage these tools in the best way possible.

In this episode, Royal Standley focuses on the major points of the SECURE Act 2.0 that might affect most people and what this bill could mean from a planning standpoint. Royal reveals some of the updates to retirement planning tools that financial planners or clients may not have noticed yet and their role in boosting retirement income.

Royal discusses:

How the SECURE Act 2.0 impacts the required minimum distribution during retirement
The role of college saving 529 plans in financial planning
What bonus individuals receive between the ages 60 and 63 due to the Secure Act updates
How to gain a boost in retirement income along with a tax credit through an IRA
And more

Connect with Royal Standley:

Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.

Inflation: Causes, Impacts & Expectations (Ep. 71)

By thelifebydesignpodcast | November 23, 2022

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Inflation in the US is expected to continue rising, but it won’t last forever.

In this episode, Royal Standley discusses the top four reasons he sees for inflation in the US. Royal explains where we’ve seen the biggest impact as well as what the government and Americans can do to help minimize the financial impact of rising costs and mortgage rates.

Royal discusses:

The top 4 reasons why the US is seeing inflation
What the US government has to do to try to fight inflation
Where Americans can expect to see the impacts of inflation the most
What Americans can do to minimize the impact inflation has on them
And more

Resources:

Connect with Royal Standley:

Adapting To The Changes In Life (Ep. 70)

By thelifebydesignpodcast | November 9, 2022

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The world is constantly changing and it’s up to us to adapt.

In this episode, Royal Standley shares the latest updates in his personal and professional life, recounting how recent events changed the way he focuses on advising clients. Royal talks about the changes he has experienced in addition to his vision and expectations for the future.

Royal discusses:

Opening of a new office in Grants Pass
The acquisition of Wealth Management of Oregon and expanding their footprint
Why the need for retirement planners is greater than before
What he is preparing for in 2023
The upcoming topics to be explored in Life By Design podcast
How changes to the cost of living and housing will impact retirement income needs

Resources:

Connect with Royal Standley:

65. The Fundamentals of an Emergency Fund

By thelifebydesignpodcast | December 8, 2021

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When faced with unexpected expenses, reaching for your plastic can be an easy option. But easy is not always the best option.

In this episode, Royal Standley discusses the importance of avoiding over-complicating an emergency fund and how you can build your own. He reveals how an emergency fund benefits your financial plan even before you start creating a retirement plan and the debt you can avoid.

Royal discusses:

The importance of educating employees and clients on emergency funds
The difference between using an emergency fund and reaching for plastic
Why you should focus on one step at a time
How to build your emergency fund
And more!

Connect with Royal Standley:

Additional Resources:

Episode 8 – How to Use Dave Ramsey’s Baby Steps

Advisory Services offered through Oregon Pacific Financial Advisors, Inc. Securities offered through United Planners Financial Services of America, Member FINRA / SIPC. Oregon Pacific Financial Advisors, Inc., and United Planners Financial Services are independent companies.

59. The Future Of Low Returns

By thelifebydesignpodcast | August 25, 2021

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We would all love to have a crystal ball to show the future, but for now we will have to rely on the possibilities.

In this episode, Royal Standley talks about the predicted stock market lows for the next 10 years. Royal explains the current stock market and predictions for the future based on current and past examples of similar markets.

Royal discusses:

How inflation could affect stock market prices
How advisors are planning and advising clients for the future stock market
His advice for future investments
And more!

Connect With Royal Standley:

58. What Are My Income Options After Retirement?

By thelifebydesignpodcast | July 21, 2021

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You still need a source of income once you retire, but do you know what your options are for funding your retirement? More importantly, do you know the risks associated with each option?

In this episode, Royal Standley discusses how you can fund your retirement and reveals several ways you can prepare your income for retirement no matter what stage of life.

Royal discusses:

How you can make the most out of your social security
The benefit of PERS during retirement
How owning real estate can turn into retirement income
The risk of selling something on a note
Is there a place for annuities?
What role investments play
And more!

Resources:

57. Prepare For Winter

By thelifebydesignpodcast | July 7, 2021

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With restrictions starting to lift and restaurants opening up, spending money during the summer is more tempting than ever.

In this episode, Royal Standley discusses the importance of keeping your financial plan in mind as the world begins to reopen. Discover simple ways you can ensure your financial plan is up to date and benefiting your future.

Royal discusses:

The importance of planning for the future
The risk of inflation
Easy ways you can start saving money
The benefit of disability insurance
How emotions can impact your portfolio
And more!

Resources:

Oregon Pacific Financial Advisors | About Royal Standley | Schedule Online with Royal Standley | (541) 772-1116 | Email Royal Standley

Episode 56 – Financial Planning For You, Coaching For Your Kids – with James Monroe

By thelifebydesignpodcast | June 23, 2021

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With physical contact being restricted due to Covid, kids and adults alike have adjusted how they play sports.

In this episode, Royal Standley is joined by James Monroe, a financial advisor with Oregon Pacific Financial Advisors. James shares his ten years of experience coaching kids sports teams and how the lessons learned from coaching relate to facing the struggles of COVID-19 as a financial advisor.

You will learn:

How hard work creates results
The importance of teamwork
The similarities in changes between financial advising and coaching
And more!

Episode 55 – The Top Five Retirement Mistakes Business Owners Make

By thelifebydesignpodcast | June 9, 2021

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When you start your own business, how will the business affect your retirement planning?

In this episode, Royal Standley shares five of the biggest mistakes business owners make when planning their retirement.

You will learn:

The benefit of creating a retirement roadmap
The importance of keeping personal and business assets separate
Why you should hire outside support
And more!

Discover the five retirement mistakes you should avoid.

Resources:

Episode 54 – The Deflation of Economic Inflation

By thelifebydesignpodcast | May 26, 2021

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The forced isolation of COVID-19 has impacted the inflation rate today and in the future.

In this episode, Royal Standley dives into inflation, discussing how COVID-19 has impacted the economy. He reveals past examples of similar economic scenarios, how the future inflation rate may increase and the impact this could have on your retirement plan.

You will learn:

How COVID-19 impacted economic inflation
What the ideal inflation rate is
Some of the lasting financial impacts of quarantine on the government
How inflation could impact retirement planning
And more!

Discover how COVID-19 has impacted current and future inflation rate!

Resources: Oregon Pacific Financial Advisors | About Royal Standley | Schedule Online with Royal Standley | (541) 772-1116 | Email Royal Standley

Episode 53 – How To Avoid 15 Common Financial Planning Mistakes

By thelifebydesignpodcast | May 12, 2021

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Sometimes, one small mistake can completely derail your financial plan and stop you from achieving your life goals.

In this episode, Royal Standley goes through a list of 15 common financial planning mistakes that he has encountered in working with clients over the years. Along with discussing the root causes of these mistakes, he also shares tips on how to avoid them, or even fix them if you’ve already committed the mistake.

You will learn:

Things that can go wrong while attempting to time the market in the short run
The importance of saving early and living well within your means
How to plan for the worst-case scenario as part of your risk management
Tips to overcome procrastination and take the crucial first step towards financial planning
And more!

Tune in now to learn how you can avoid the most common pitfalls while building your financial plan!

Resources: Oregon Pacific Financial Advisors | About Royal Standley | Schedule Online with Royal Standley | (541) 772-1116 | Email Royal Standley | Episode 6 – It’s Never Too Soon to Start Estate Planning | Episode 8 – How to Use Dave Ramsey’s Baby Steps | Episode 12 – Let’s Talk About Your Money and Your Taxes | Episode 16 – Your Top Life Insurance Questions Answered | Episode 27 – How Much Insurance Coverage Do You Actually Need? — With James Monroe | Episode 41 – Setting Your S M A R T Goals

Episode 52 – The Biggest Healthcare Development Drive in Southern Oregon – With Andrea Reeder

By thelifebydesignpodcast | April 28, 2021

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Built in the fifties, Asante has grown to be the largest healthcare provider in Southern Oregon despite operating as a nonprofit.

Now, it’s set to run the biggest fundraising campaign in the region – with a goal of $50 million!

In this episode, Royal Standley speaks with Andrea Reeder, development director at Asante Foundation, to uncover what this campaign is all about and how it’ll benefit the community. Andrea also discusses the new and improved healthcare services that Asante aims to provide through this campaign.

You will learn:

Healthcare areas experiencing a growing need based on population demographics
Asante’s efforts in developing a new cancer facility which aims to provide high quality care to patients.
Asante’s proactive response to Covid-19 and the Alameda fires
2021 plans for Oregon Wine Experience – Asante’s largest fundraiser of the year
And more!

Tune in now to learn how the team at Asante Foundation is striving to improve the quality of healthcare in the community!

Episode 51 – Want To Travel Post-COVID? Here’s Everything You Need To Know – With Shana Brewer

By thelifebydesignpodcast | April 14, 2021

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As the end of Covid-19 approaches with the rollout of vaccines, most people cannot wait to get away from their homes and enjoy a good vacation.

Now might be the ideal time to start planning for it.

In this episode, Royal Standley joins Shana Brewer, owner of Travel Leaders, and a highly experienced travel consultant. Shana discusses things you should consider while planning for your trip so that you can identify the perfect destination that fits your interests as well as your budget.

You will learn:

Reasons to hire a professional travel agent instead of cluelessly browsing the internet
Major Covid restrictions – for both domestic and international travel
Key travel arrangements to keep in mind so that you have an unhindered travel experience
Most popular travel destinations, some of which are on Shana’s bucket list too
And more!

Tune in now to learn how you can start planning for your long-awaited dream vacation!

50th Episode Special – Making an Impact in the Community – With Mary Ferrell

By thelifebydesignpodcast | March 31, 2021

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Children, teenagers, young adults, families – all of them are affected by housing instability to some extent.

To address this problem, Royal Standley invites Mary Ferrell, founder and executive director of Maslow Project to the podcast. In this episode, Mary shares her years of experience in working with homeless people of all age groups, and talks about the various initiatives undertaken by her team at Maslow to help them stabilize their life through education, housing, food and other resources.

You will learn:

How Maslow helps the youth establish life goals, work towards them, and navigate through the complexity of various social services
Eye-opening statistics about the current situation of homeless people
Why education is the key to reducing chronic adult homelessness
The severe impact of COVID-19 on homeless people
How you can join the Maslow Project in making a huge impact in your community
And more!

Join us for this 50th episode special podcast, as we explore ways of enhancing the lives of those around us, because every life matters!

Episode 49 – How Libraries Can Help You Learn, Connect and Grow – With Rebecca Stoltz

By thelifebydesignpodcast | March 18, 2021

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In the modern technological era, with everything moving towards digital, people often ask, “Why are libraries still relevant today?”

In this episode, Royal Standley joins Rebecca Stoltz, executive director at The Josephine Community Library Foundation, to explain why libraries are not just a book repository, but a community center where people can connect and grow. They also take a look at how libraries are taking an innovative approach during COVID to make knowledge accessible anywhere, anytime and to anyone.

You will learn:

The tremendous support that libraries provide to people with limited learning resources
How the Libby App brings thousands of ebooks and audiobooks at your fingertips
What the Dolly Parton’s Imagination Library program is all about – and how it can benefit your children
The biggest service offered by libraries that often gets overlooked
Where the library system is headed over the next 3 to 5 years
And more!

Tune in now to learn why libraries are the heartbeat of every community!

Episode 48 – Getting More Things Done in Less Time

By thelifebydesignpodcast | March 3, 2021

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You can’t create more time, but you can boost your productivity and efficiency by managing the limited time that you have.

In this episode, Royal Standley addresses the biggest challenge faced by people in their day-to-day lives – time management. He discusses several tips and tricks to help you achieve your goals in a timely manner by prioritizing your tasks and overcoming the very common problem of procrastination.

You will learn:

The importance of having an action mantra to help you refocus on your work
How to use the Eisenhower Matrix to categorize tasks based on their importance and urgency
Ways in which you can minimize all potential interruptions and be more productive
Why you should always set specific time limits for your short-term and long-term goals
Things to consider while creating daily to-do lists
And more!

Listen now and learn how to get more work done in less time, and still have enough time to relax, unplug your brain and spend quality time with your family!

Episode 47 – A Simple 7-Step Guide To Optimize Your Business Exit

By thelifebydesignpodcast | February 17, 2021

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Market surveys show that a large number of business owners plan to exit their business in the next 5 to 10 years.

Are you one of them?

In this episode, Royal Standley shares a simple yet highly effective 7-step guide that helps you achieve maximum value from your business exit, whether it’s a sale to an outside party or an internal transfer of ownership to family or employees. Join him as he assists business owners define their ideal vision, and provides various strategies to achieve them.

In this episode, you will learn:

The importance of planning your exit well in advance to maximize your business value
How to cover any potential gaps in your financial plan through a robust gap analysis
How to ensure business continuity, should something happen to you, and integrate your business sale with your estate planning
Ways to build and preserve your business value using efficient value drivers
And more!

Tune in now to learn how you can lay out strong groundwork for your business exit, so that the transition is seamless and far more efficient!

Resources: Oregon Pacific Financial Advisors | About Royal Standley | Schedule Online with Royal Standley | (541) 772-1116 | Email Royal Standley

Episode 46 – How To Secure Your Financial Future Amid the Market Turmoil

By thelifebydesignpodcast | February 5, 2021

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Looking at drastic market swings, people often get emotionally overwhelmed and seek to “time” the market in the short-term.

In this episode, Royal Standley highlights the importance of building a comprehensive plan that helps you get through the market turmoil, which may ultimately benefit you in the long-run. He also takes an extensive look back at where we were in 2020, and what the coming years look like by analyzing the potential risks on the horizon.

In this episode, you will learn:

What you might expect in 2021 from an economic and a market standpoint
Ways in which rapid innovation and a massive fiscal stimulus has affected the economy
The impact of the ongoing market trends on small businesses
How to diversify your portfolio to achieve stability and hedge against a potential boost in inflation
And more!

Tune in now to learn how you can be better positioned to achieve your short-term and long-term financial goals!

Resources: Oregon Pacific Financial Advisors | About Royal Standley | Schedule Online with Royal Standley | (541) 772-1116 | Email Royal Standley

Episode 45 – 3 Essential Things New Parents Must Plan For

By thelifebydesignpodcast | January 20, 2021

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While a new born child calls for a lot of celebrations, it also gives rise to additional responsibilities for the parents.

In this episode, Royal Standley covers the financial aspect of having a new child. Join him as he walks through the 3 most important things every new parent must look at – estate planning, life insurance and a long-term savings plan for your child, whether it’s for college, their first home or starting a business.

In this episode, you will learn:

How to secure your child’s future, should something happen to you or your spouse
Why we recommend every parent to have a life insurance coverage that can provide sufficient financial support to your loved ones
The importance of establishing a savings plan as soon as your child is born
And more!

Tune in now to learn how you can build a solid financial plan and give your child a financial head-start in the future!

Resources: Oregon Pacific Financial Advisors | About Royal Standley | Schedule Online with Royal Standley | (541) 772-1116 | Email Royal Standley

Episode 44 – Financial Planning for 2021 and Beyond

By thelifebydesignpodcast | December 23, 2020

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With several advancements in the search for a vaccine, we may be possibly approaching the end of COVID. And as we are also entering a new presidency, 2021 seems full of new possibilities and opportunities!

However, you must have a strategic plan in place to make the most of those opportunities. In this episode, Royal Standley uses his expert financial insights to help you allocate your assets better, especially now when the interest rates are at an all-time low.

In this episode, you will learn:

How COVID has affected the domestic as well as the international markets
The implications of extremely low interest rates right now
The long-term benefits of purchasing a house now by locking in the current interest rates
Why you should avoid unnecessary media coverages that may be mere “opinions” instead of facts
Ways in which a professional advisor can help you achieve your goals
And more!

Tune in now to our latest episode to learn more on planning for 2021 and beyond.

Episode 43 – Home Ownership in Your Retirement Plan

By thelifebydesignpodcast | December 9, 2020

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Imagine having your home paid off before retirement!

In today’s episode, Royal Standley of Oregon Pacific Financial Advisors looks at how home ownership fits into your financial plan. Royal strives to help build a financial plan that includes paying off your mortgage.

In this episode, you will learn:

How home ownership integrates into your financial plan
How to look at it as buying an asset that historically appreciates
Why you should create a balance of paying off your mortgage and saving for retirement
What tools and resources can be used to see the effects of paying extra on your mortgage
And more!

Tune in now for more information about home ownership in your financial plan with Royal Standley.

Resources: Oregon Pacific Financial Advisors | (541) 772-1116 | Dave Ramsey SmartVestor | Episode 8: Dave Ramsey’s Baby Steps | Schedule Online with Royal Standley

Episode 42 – What Planning Ahead Can Do For Your Dream Retirement

By thelifebydesignpodcast | November 25, 2020

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Planning for your future can be tough, but it’s important to make sure that you have everything covered. Do you have plans in place for long term care needs?

In today’s episode, Royal Standley discusses everything you need to know about long term care insurance and why it’s important to make sure you consider planning for the unexpected.

In this episode, you will learn:

What planning ahead can do for you to ensure your dream retirement
Breaking down the misinformation about long-term care
The types of long-term care policies and plans
The sweet spot to purchase insurance
And more!

Listen now to get ahead on planning for your future with long-term care.

Episode 41 – Setting Your S M A R T Goals

By thelifebydesignpodcast | November 11, 2020

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There is never a perfect time to start, so why not start now?

In today’s episode, Royal Standley of Oregon Pacific Financial Advisors shares his experience on setting goals. Whether you are looking to set short-term or long-term goals Royal explains ways to implement goal setting tactics into your financial life, career, family or health.

In this episode, you will learn:

Why Royal believes goal setting is important
What the different types of goals are
What S M A R T goals represent and how to implement them
How Royal can help you reach your goals
And more!

Tune in now to help reach your goals with Royal Standley.

Resources: Oregon Pacific Financial Advisors | (541) 772-1116 | Dave Ramsey SmartVestor | Episode 8: Dave Ramsey’s Baby Steps | Schedule Online with Royal Standley

Episode 40 – Meet the Team at Oregon Pacific Financial Advisors with Emma Nelson

By thelifebydesignpodcast | October 28, 2020

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Royal Standley introduces us to Emma Nelson, Associate Financial Planner, at Oregon Pacific Financial Advisors, Inc.

In this episode Royal and Emma share how she entered into financial services and why she enjoys helping people build the financial resources to live their lives to the fullest. Emma also discusses her passion projects, favorite winter activities, her financial philosophy, and plenty more!

In this episode, you will learn:

What leadership traits Emma brings to Oregon Pacific
What financial planning and client relationship philosophy Emma encompasses
How Covid has affected home life and her outlook on the coming year
How Emma counsels clients as they face the unknown in a pandemic
And more!

Tune in now to meet Emma Nelson.

Resources: Oregon Pacific Financial Advisors | About Emma Nelson | (541) 772-1116 | Email Emma

Episode 39 – The Coach To Your Financial Plan with James Monroe

By thelifebydesignpodcast | October 14, 2020

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A coach is somebody that’s in it with you, for you and looking out for your best interests.

In today’s episode Royal Standley introduces us to James Monroe, Financial Planner and Retirement Plan Specialist, who joined the team at Oregon Pacific Financial Advisors in March 2019. James shares how he got into financial services, what brought him to Oregon, the community projects he is passionate about and plenty more!

In this episode, you will learn:

How James’ extensive background transitioned into insurance and financial services
Why James is passionate about getting rid of financial illiteracy
What his philosophy is when working with clients
Why James believes in building succession plans and the best team for your long term needs
And more!

Tune in now to meet James Monroe!

CRD#: 5882437

Episode 38 – After the Smoke Is Gone

By thelifebydesignpodcast | September 30, 2020

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We don’t know where or when the next natural disaster is going to take place.

In today’s episode Royal Standley shares what it looks like for clients who have lost everything in the Oregon fires. Royal helps explain the replacement coverage you need from your insurance policy and things you can do to try and help prepare for the next event.

In this episode, you will learn:

How important it is to discuss different situations with your Insurance provider regularly
What you should know in a “Sudden Money” situation
The importance of taking the time to know what you really have in your home and business
How your priorities can be reset after a natural disaster
And more!

Tune in now to learn more about being prepared for an uncontrollable event.

Resources: Oregon Pacific Financial Advisors: (541) 772-1116

Episode 37 – 401(k) or Roth 401(k): Which One is Right For You?

By thelifebydesignpodcast | September 2, 2020

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Are you looking for the answers to your questions on Roth 401(k)? Join Royal as he unravels the information to help you understand your retirement savings.

In this episode, Royal Standley explains the differences between IRAs and Roth IRAs. Should you look at converting? Royal helps explain the different types of money and your options.

You will learn:

The differences between a Roth, 401K and IRA
The limitations that are set on your retirement investments
How important a financial planner is when making these decisions
Some factors you need to consider when planning and start planning early
And more!

Tune in now to consider how you can best reach your retirement goals.

Resources: Oregon Pacific Financial Advisors: (541) 772-1116

Episode 36 – How Will the Markets React to the 2020 Election?

By thelifebydesignpodcast | August 19, 2020

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Election time is coming fast. How will the outcome of the 2020 U.S. election affect the market and your portfolio?

In this episode, Royal Standley explains how the market typically reacts to a newly elected president and throughout a presidential term. Royal discusses what we saw with the markets during President Donald Trump’s term and what to consider, from an economic and financial perspective, about potential outcomes of the next election.

You will learn:

The historical impact that presidential elections have had on the market
Which year of a president’s term is usually the best year in the market
How the capital market assumptions have changed from the beginning of the year until now
Why what happens in the Senate can be crucial come election time
And more!

Tune in now to consider how the upcoming election could affect the market.

Resources: Oregon Pacific Financial Advisors: (541) 772-1116

Episode 35 – Prepare for a Financially Secure Life

By thelifebydesignpodcast | August 5, 2020

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So, you’ve landed your first job, you get your first paycheck, now what do you do with your money? How do you set yourself up for financial success?

In this episode, Royal Standley discusses the importance of setting yourself up for success by setting habits and taking early steps for a financially secure life.

In this episode, you will learn:

What to discuss with your advisor if you’ve just entered the working world
When you should start working with an advisor
The importance of creating healthy financial habits early
Why you should be setting goals for your career
How student loans and debt repayments play into the conversation
And more!

Tune in as Royal walks you through the steps you should be taking to become financially secure.

Resources: Oregon Pacific Financial Advisors: (541) 772-1116

Episode 33 – Your Next Steps to Building a Retirement Plan for Your Business

By thelifebydesignpodcast | June 24, 2020

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If you’re ready to move from learning about 401(k) basics to seriously considering how you will structure your business’s retirement plan, this episode is for you.

In this episode, Royal Standley shares what business owners need to know when they’re evaluating a retirement plan for their business. Royal walks you through the roles that go into a 401(k), underlying investment options for employees, and what role a financial advisor should be playing in the process of structuring and implementing a plan.

In this episode, you will learn:

Who, within a company, is responsible for setting up a 401(k) and making all necessary decisions, including the hiring and firing of different parties to the plan
Which tasks are carried out by financial advisors
What investment options are available to plan participants
How to design a 401(k) that meets the needs of the participant and the business owner
And more!

Tune in now to learn the next steps to building a retirement plan that will benefit you and your employees.

Resources: Oregon Pacific Financial Advisors: (541) 772-1116 | Episode 32: How to Build an Efficient Retirement Plan

Episode 32: How to Build an Efficient Retirement Plan

By thelifebydesignpodcast | June 10, 2020

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Are you a business owner or a plan sponsor that’s looking to set up a retirement plan?

In this episode of Life By Design Podcast, Royal Standley dives deep into the different retirement plan options and shares the key features of each.

In this episode, you will learn:

The three types of 401(k)s and how they each work
The difference between a defined contribution and a defined benefit plan
The benefits of having a 401(k) with a profit-sharing option
Why IRAs are an incentive for younger people
And more!

Tune in to hear the considerations you should make when choosing a retirement plan.

Episode 31 – Answering Prospective Clients’ Frequently Asked Questions

By thelifebydesignpodcast | May 27, 2020

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Are you curious about financial advisors and how they can help you? Do you know how to tell if you need one — and how to find the right one?

These are just a few questions that Royal Standley receives on a regular basis by new and prospective clients alike. Today, Royal is sitting down to answer some of these frequently asked questions, all the while highlighting the importance of working with an expert.

In this episode, you will learn:

The benefits of working alongside a financial professional
The difference between a financial advisor and asset manager — and how to find the right one
What being a fiduciary means
About conflict of interest in the financial services industry
And more!

Tune in now to hear the answers to your burning questions — and to learn what considerations you should keep in mind when seeking a financial planner and advisor!

Resources: Oregon Pacific Financial Advisors | The Life by Design Podcast | Royal Standley