Travel – Wealth on the Move

What Social Media Is Teaching Our Kids About Money (Episode 43)

By Wealth on the Move | February 5, 2026

Summary: In this episode of Wealth on the Move, host Will Hoffman is joined by Hoffman Wealth Management’s Director of Marketing, Brynn Tarbuck, for a candid and timely conversation on what social media is teaching kids about money — and where it’s getting it wrong. From flashy lifestyles and “get rich quick” narratives to misleading investment advice and the glamorization of debt, Will and Brynn break down five key areas where social media can distort young people’s understanding of wealth. Drawing from Will’s perspective as a father and advisor, and Brynn’s experience growing up alongside social media, the episode highlights the importance of budgeting, skill-building, realistic expectations, and understanding risk. The conversation also explores the dangers of confusing investing with gambling, the myth that financial freedom means quitting your job, and why true wealth is about optionality — not appearances. Ultimately, this episode serves as a guide for parents, young professionals, and anyone looking to build a healthier, more realistic relationship with money in a digital-first world.

Resources:

Takeaways:

Social media often promotes looking rich, not being wealthy.
Wealthy individuals are typically intentional and disciplined with their money.
Budgeting is about control and clarity — not restriction.
Financial freedom means having options, not necessarily quitting work.
Being “rich by 25” is a myth; your 20s are for learning, earning, and making mistakes.
Expensive things do not equal success — value and price are not the same.
The fastest way to stay broke is trying to look wealthy.
Your job is not the enemy — skill-building is one of the greatest wealth drivers.
Credit cards and points can be tools, but debt is never free money.
Investing is not gambling; understanding risk is essential.
You don’t need massive risks or overnight wins to build wealth.
Diversified income streams require work — “passive” rarely means effortless.
Investing in yourself and your skills is the most reliable long-term strategy.
Parents should actively audit the financial content their kids are consuming.

Connect with Will Hoffman:

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Why There Is No Such Thing as the “Perfect” Portfolio with Cullen Roche (Episode 42)

By Wealth on the Move | January 29, 2026

Summary: In this episode of Wealth on the Move, host Will Hoffman speaks with Cullen Roche, author of ‘Your Perfect Portfolio.’ They discuss Cullen’s background in financial advisory, the challenges of portfolio management, and the importance of creating a personalized investment strategy. Cullen emphasizes the pitfalls of performance chasing, the significance of diversification, and the behavioral aspects of investing. The conversation also touches on the difference between saving and investing, the need for realistic expectations, and the difficulties of consistently beating the market. Ultimately, they advocate for a sound financial plan tailored to individual needs rather than a one-size-fits-all approach. In this conversation, Cullen Roche discusses the complexities of financial planning, emphasizing that there is no one-size-fits-all approach to creating a perfect portfolio. He highlights the importance of adapting investment strategies over time, particularly as personal circumstances change, such as having children. The discussion also delves into the psychological aspects of investing, particularly how market losses can trigger emotional responses and the role of financial media in shaping investor behavior. Roche introduces the concept of time horizons in financial planning, advocating for a structured approach to asset allocation that considers both short-term and long-term needs.

Resources:

Takeaways:

Cullen Roche emphasizes the importance of a personalized portfolio.
Performance chasing can lead to poor investment decisions.
Diversification is crucial for managing risk in portfolios.
Investing should be viewed as a methodical planning process.
Understanding the difference between saving and investing is key.
Setting realistic expectations is vital for investors.
The challenge of beating the market is significant.
Behavioral finance plays a critical role in investment success.
A sound financial plan should guide investment strategies.
Good diversification means not all parts of the portfolio perform well at the same time. Your perfect portfolio is about navigating towards your goals.
There is no single recipe for financial success.
Money changes over time, and so should your strategy.
Your financial needs will evolve as life circumstances change.
Children introduce new financial considerations and time horizons.
Long-term planning requires adaptability and foresight.
Understanding risk is crucial for effective financial planning.
Market losses trigger emotional responses tied to future consumption.
Financial media often amplifies fear and uncertainty.
A structured approach to asset allocation can provide peace of mind.

Connect with Will Hoffman:

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How to Pay Less for College with Scholarships & SAT Strategy | Dr. Dominique “Dr. P” Padurano (Episode 41)

By Wealth on the Move | January 22, 2026

Summary: In this episode of Wealth on the Move, host Will Hoffman speaks with Dr. Dominique Padurano, founder of Crimson Coaching, about strategies for securing scholarships and navigating the college admissions process. They discuss the importance of education in changing financial trajectories, the role of standardized tests, and how to find the right college fit. Dr. P shares her personal journey, insights on mental health in college, and the services offered by Crimson Coaching to help students achieve their academic goals and reduce college costs.

Resources:

Takeaways:

Education is key to changing financial trajectories.
Dr. P’s background highlights the importance of mentorship.
College fit is crucial for student success.
Standardized tests can impact scholarship opportunities.
Merit aid can significantly reduce college costs.
Early planning can ease the college application process.
College visits help students understand their preferences.
Mental health plays a vital role in academic success.
Crimson Coaching offers personalized support for students.
Success stories demonstrate the financial impact of coaching.

Connect with Will Hoffman:

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How Should I Be Invested When Retired? (Episode 32)

By Wealth on the Move | October 16, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the critical aspects of wealth management, particularly for retirees. He emphasizes that the question of how to invest should not be the primary concern; instead, understanding the need for liquidity and planning for both short-term and long-term financial goals is essential. Hoffman outlines strategies for securing income during retirement, the importance of maintaining a disciplined investment approach, and the need to navigate the distribution phase effectively. He encourages listeners to focus on long-term strategies rather than seeking quick stock tips, highlighting the importance of planning for future expenses and potential market fluctuations.

Takeaways:

The question of how to invest is often misguided.
Liquidity is crucial for retirees to enjoy their time.
Market timing is not a reliable strategy.
Investing should be based on long-term goals.
Retirement income should be secured for the short term.
The distribution phase of retirement is critical and challenging.
Good investment ideas take time to develop.
Discipline in investment strategy is essential for peace of mind.
Planning for inflation is necessary for long-term success.
Avoid the temptation of chasing hot stock tips.

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Maximizing Financial Aid: The FAFSA Guide with Tina Steele (Episode 30)

By Wealth on the Move | September 11, 2025

Summary: In this episode of Wealth on the Move, Will Hoffman speaks with Tina Steele, the FAFSA guru, about the intricacies of the FAFSA process and how families can maximize their financial aid opportunities. They discuss the importance of understanding FAFSA, the changes that have occurred recently, and strategies for families to navigate the financial aid landscape effectively. Tina shares insights on common mistakes families make, the significance of documentation, and the future of FAFSA, including new technologies that will aid in the process. This conversation is essential for parents and students preparing for college funding.

Resources:

Takeaways:

FAFSA is crucial for all students attending college.
Filling out FAFSA is necessary every year for financial aid.
Many families mistakenly believe they won’t qualify for aid.
Child support is now treated as an asset in FAFSA calculations.
Families can report special circumstances to financial aid offices.
It’s important to appeal financial aid offers for potential increases.
NIL income can affect financial aid eligibility for student-athletes.
Common mistakes include misreporting assets and missing deadlines.
Documentation is key for the FAFSA process and potential verification.
The FAFSA process is evolving with new technologies for assistance.

Connect with Will Hoffman:

Tina Steele and The FAFSA Guru not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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How to Win Scholarships & Pay for College Without Student Loans with Dave Peterson (Episode 29)

By Wealth on the Move | September 4, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the challenges of funding college education with expert Dave Peterson. They explore the vast opportunities available through scholarships, the misconceptions surrounding them, and the importance of starting the scholarship search early. Peterson shares insights on different types of scholarships, the scholarship application process, and how to build a compelling personal narrative. The conversation emphasizes the need for parents and students to be proactive in seeking financial aid to alleviate the burden of student loans and ensure a successful educational journey.

Resources:

Takeaways:

There is a significant amount of scholarship money available, much of which goes unclaimed.
Scholarships are not just for seniors; opportunities exist for younger students as well.
A strong personal narrative is crucial for winning scholarships.
Students should start applying for scholarships as early as possible.
Many scholarships do not require high GPAs or test scores.
Building a personal narrative involves academics, extracurriculars, volunteering, and work experience.
Avoid applying for illegitimate scholarships that ask for sensitive information.
The scholarship application process requires attention to detail and following instructions.
Students can earn scholarships even after high school graduation.
Utilizing resources like Scholarship GPS can help streamline the scholarship search process.

Connect with Will Hoffman:

Dave Peterson and Scholarship GPS not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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Healthy Wealthy Longevity: A New Prospective with Jon Sabes (Episode 28)

By Wealth on the Move | August 28, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman engages with John Sabes, author of ‘Healthy Wealthy Longevity.’ They discuss the critical importance of longevity as a financial risk, the role of self-care and health in financial planning, and the impact of lifestyle choices on longevity. John shares insights on epigenetics and how our lifestyle influences gene expression, emphasizing the need for individuals to invest in their health to ensure a vibrant life as they age. The conversation also touches on the future of health and wealth innovation, and the importance of planning for uncertainty in life expectancy.

Resources:

Takeaways:

Longevity is a significant risk to retirement portfolios.
Self-care and health are crucial for a fulfilling life.
Investing in yourself is the best financial decision.
Lifestyle choices greatly influence longevity and health.
Epigenetics shows that our lifestyle affects gene expression.
Planning for retirement must consider the unpredictability of life expectancy.
The worst outcome in aging is to be alone and poor.
Financial advisors should focus on holistic well-being, not just investments.
Maintaining muscle mass is vital for health span and longevity.
Living with purpose and connection enhances overall longevity.

Connect with Jon Sabes:

Connect with Will Hoffman:

John Sabes and Longevity Financial Partners are not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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The NIL Revolution: Transforming College Sports with Kristi Dosh (Episode 27)

By Wealth on the Move | August 21, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and NIL expert Kristi Dosh delve into the transformative landscape of Name, Image, and Likeness (NIL) in college sports. They discuss the evolution of NIL rules, the financial implications for student-athletes, and the importance of building a personal brand through social media. Kristi shares insights on navigating contracts, the role of agents, and the tax responsibilities that come with NIL deals. The conversation also highlights the future of NIL, including market inefficiencies and undervalued opportunities for athletes.

Resources:

Kristi’s Website’s
- Kristidosh.com
- Business of College Sports Website
The Athlete’s NIL Playbook Website
LinkedIn: Sportsbizmiss
Facebook: Kristi Dosh
Instagram: Sportsbizmiss
TikTok: Sportsbizmiss
YouTube: Business of College Sports

Takeaways:

NIL has revolutionized the financial landscape for college athletes.
The rules around NIL have changed significantly since July 2021.
Athletes must navigate a complex and evolving NIL environment.
Written contracts are essential for NIL deals to avoid misunderstandings.
Many athletes may not need agents but should consider hiring attorneys.
Tax implications are a crucial aspect of NIL earnings for athletes.
Social media presence is vital for building a personal brand.
Athletes should diversify their content beyond just their sport.
NIL opportunities can extend into coaching and clinics for athletes.
The future of NIL may see more states allowing high school athletes to participate

Connect with Will Hoffman:

Kristi Dosh and Business of College Sports are not affiliated with Hoffman Wealth Management and Private Advisor Group. Hoffman Wealth Management and Private Advisor Group do not provide tax or legal advice. This presentation is not intended as specific financial, tax or legal advice for any individual. Please consult with qualified professionals for these types of advice.

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Navigating Market Volatility | Insights from Q2 with Andrew Opdyke (Episode 25)

By Wealth on the Move | August 7, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and Senior Economist Andrew Opdyke discuss the current state of the markets, focusing on the second quarter’s volatility, the Federal Reserve’s stance on interest rates and inflation, the impact of AI on business and investment, and the upcoming midterm elections. They also provide insights into portfolio strategies for the third quarter and reflect on historical lessons that can guide future decisions.

Resources:

Takeaways:

It’s time in the market, not timing the market that matters.
Data-driven insights are crucial for accurate forecasting.
Emotions can lead to irrational market reactions.
The second quarter saw significant market swings due to tariffs.
The Federal Reserve is cautious about cutting rates amid uncertainty.
AI is transforming industries and enhancing productivity.
Historical context is essential for understanding current market dynamics.
Investors should maintain a diversified portfolio.
The U.S. remains a strong place for business growth.
Perspective from history can guide future financial decisions.

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Fitness & Finance: How Discipline Builds Wealth and Wellness with Stan Vaccari (Episode 24)

By Wealth on the Move | July 24, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman sits down with fitness expert Stan Vaccari to explore the deep parallels between physical fitness and financial wellness. Together, they discuss how both pursuits demand discipline, accountability, and a long-term strategic mindset. Vaccari draws from his experience in health coaching to emphasize the value of online coaching, the importance of tracking progress, and the common hurdles faced when starting new fitness or financial goals. The conversation touches on the underrated power of walking, post-workout nutrition strategies, and the lifelong benefits of investing in oneself. Reflecting on personal choices and growth, Will and Stan also delve into how historical perspectives shape current trends — including the evolving role of AI in our lives. Like training for a marathon or building wealth, success is best achieved with patience, consistency, and purpose.

Resources:

SV Coaching Website

Takeaways:

Fitness and finance are interconnected and influence each other.
Online coaching can provide better accountability and results than in-person training.
Discipline in training leads to improvements in other areas of life.
Starting points in fitness and finance are often the most challenging.
Setting clear goals and engineering a plan is crucial for success.
Slow and steady progress is more sustainable than quick fixes.
Accountability is key to maintaining fitness and financial goals.
Boring routines can lead to significant results over time.
Measuring progress is essential in both fitness and finance.
You don’t need expensive gadgets to track your fitness effectively.
Walking is a powerful fitness habit that can significantly reduce health risks.
Post-workout nutrition can be unconventional yet effective.
Investing in personal development is crucial for long-term success.
Life choices, such as education paths, can shape future opportunities.
Understanding and utilizing AI is essential for future success.

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Connect with Stan Vaccari:

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