RIA Confidential Podcast

About RIA Confidential Podcast

About RIA Confidential: Your Source for the Truth About Going Independent! Where financial advisors get straight answers. Hosted by attorney Jonathan Andrews and featuring RIA transition expert Ray Gettins (Your RIA Mentor), the show dives into what it really takes to leave the broker-dealer model behind and thrive as an independent RIA. Each episode tackles the legal, financial, operational, and emotional realities of going RIA. From compliance and tech to ownership and mindset shifts, we go deep into the challenges most advisors don’t hear about until they’re already stuck. If you're ready for the real story, straight from advisors who’ve already made the leap, the Show promises to: -Demystify the RIA journey; -Share unfiltered advisor experiences; -Equip you with tools and confidence to take control Meet the Team: Ray Gettins, Your RIA Mentor: Ray brings decades of financial industry experience and now helps advisors transition to RIA freedom (But only if it’s the right decision for you). Helping you decide what’s best for you, Ray is known for cutting through noise and offering practical, proven guidance without the typical hype. Jonathan Andrews – BraveHeartsTV, Host Jonathan is a business strategist with Beneficial Business Solutions and attorney with a knack for clarity. He keeps the show focused and useful, asking the questions you need answered. The RIA Confidential Podcast is Launched on July 23, 2025. Expect honest conversations, real strategies, and maybe a few surprises! If you’re RIA-curious, this show’s for you! United Advisor Group ("UAG"), is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. UAG, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov (https://adviserinfo.sec.gov) and search for our firm name.  Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security of personalized investment, tax, or legal advice.

Publisher

Ray Gettins and Jonathan Andrews

Category

business · business · education

Language

en

Explicit

No

First episode

23 Jul 2025

Latest episode

28 Oct 2026

Latest episodes

16 episodes in the feed.

1. 

   28 Oct 2026

   Scale, Succession and the Future of Independence with Michael Kim

   If your advisory firm doubled in size tomorrow, what would break first? And if you stepped away five years from now, could someone else run what you’ve built? Ray Gettins sits down with Michael Kim, President and CEO of AssetMark, to explore the forces shaping the advisory industry, from consolidation and outside capital to succession, next-generation ownership, and the evolving meaning of independence.Michael explains why “scale matters,” why rising firm valuations can complicate internal succession, and how firms can create pathways for younger advisors to participate in ownership over time. The conversation also explores the opportunities for differentiated boutique firms, the appeal of W-2 advisory models, and the role consistent client-service processes play in building a business that can grow and transition.Jonathan and Ray return to the studio to connect those ideas to the decisions independent advisors face in their own firms. IN THIS EPISODE• The forces driving consolidation across RIAs, broker-dealers, and asset managers • Succession planning and the challenge of next-generation ownership • What scale can mean for an independent advisory firm • The opportunities for specialized boutique firms • W-2 models and the evolving definition of independence • Aggregator offers, valuations, and embedded growth expectations • Why repeatable processes matter to training, delegation, and continuity • How platform partners and business consultants can support executionA QUESTION FOR YOUR FIRM: If your firm doubled in size tomorrow, what would break first? FEATURED GUEST: Michael Kim, President and CEO of AssetMarkSPONSOR ACKNOWLEDGMENT: AssetMark is a Champion Sponsor of RIA Confidential. EPISODE PAGE AND RESOURCES: Explore this episode and related resources on scale, succession, outsourcing, and practice growth:RIA Confidential, Your Source for the Truth About Going RIA. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

2. 

   30 Sept 2026

   From Intern to Partner Building a Firm Worth Growing Together

   What happens when a young advisor can see a path to ownership from their very first internship? For Miami Valley Financial Partners, that conversation was part of building the team. In this episode of RIA Confidential, Ray Gettins sits down with Brian, Cole, and Cam to explore how relationships that began on the golf course developed into a business partnership with a shared stake in the firm’s future. They get into the questions every growing advisory team eventually faces: Who takes care of the client? How does everyone get paid? What does a younger advisor’s path into ownership look like? And how do you keep client relationships personal when the business is growing? The team also shares how they approach shared revenue, involve all three advisors in client relationships, and hold each other accountable, with a little friendly ribbing along the way. Jonathan Andrews and Ray frame the conversation and unpack what other firm owners and aspiring partners can take from it. Whether you’re bringing younger advisors into your practice or considering where to build your career, this episode leaves you with a question worth asking: Do the people building the firm with you see a future they want to help create? Explore more conversations and resources at https://riaconfidential.org (https://riaconfidential.org/). Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

3. 

   26 Aug 2026

   "Personal CFO” | The Next Job Description for Financial Advisors?

   Is “Personal CFO” becoming the next job description for financial advisors? In this episode of RIA Confidential, Jonathan Andrews and Ray Gettins explore how client expectations are changing and what that may mean for advisors building independent firms. The conversation features highlights from Ray’s interview with Michael Kim, President and CEO of AssetMark, recorded during the AssetMark Leaders Summit.Michael discusses why more clients are looking for one trusted advisor who can help coordinate the bigger financial picture, not just manage investments. That can include planning, taxes, estate considerations, business-owner needs, wealth transfer, and knowing when to bring the right specialist into the conversation. He also explains why advisors do not have to build every capability themselves. The right partners can become an extension of the advisor’s office, helping create more capacity while allowing the advisor to stay focused on the client relationship. Jonathan and Ray then bring the conversation back to the independence decision: What should remain on the advisor’s plate? What expertise should sit around the advisor? And if clients increasingly expect more than investment management, what kind of firm needs to be built to support that role? The episode also puts one striking number into context: in 2025, the United States added roughly 1,200 new millionaires per day, reinforcing the growing demand for sophisticated advice and broader financial guidance. AssetMark is a Champion sponsor of RIA Confidential. To learn more about how AssetMark helps RIAs create capacity, access additional expertise, and grow and scale their businesses, visit: RIAConfidential.org/go/assetmark And for more tools and resources for advisors exploring independence, visit: RIAConfidential.org This episode Ray Gettins’ recorded conversation with Michael Kim, President and CEO of AssetMark. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

4. 

   29 Jul 2026

   Going Independent Is Only the Beginning. What Are You Really Building?

   Going independent can happen faster than many advisors expect. In the last episode of RIA Confidential, Jonathan Andrews and Ray Gettins II discussed a real advisor transition Ray was involved in that was completed in less than seven days with almost no out-of-pocket cost. But completing the transition is only the beginning. Once the paperwork is finished and clients are moving over, a larger question comes into focus: What kind of firm are you actually building? In this episode, Jonathan and Ray explore how advisors can avoid recreating the same practice inside a new structure. They discuss what should genuinely improve for clients, how the advisor’s role may need to evolve, and why greater independence does not automatically create more freedom. They also examine the warning signs that an advisor has become the bottleneck inside the firm. If every decision, client issue, internal question, and operational problem keeps returning to the founder, the business may be growing without creating any real capacity. Ray offers a practical four-bucket exercise for deciding what should be handled personally by the advisor, owned by the internal team, managed through technology, or supported by an outside partner. The conversation also asks advisors to picture an ordinary Tuesday inside the future firm. Will they be spending their time in meaningful client conversations, leading the team, and growing the business? Or will they be buried in paperwork, meeting preparation, technology problems, and decisions no one else is prepared to make? The episode closes with a preview of the August conversation with AssetMark President and CEO Michael Kim. That interview explores the changing expectations of clients, the advisor’s growing role as a personal CFO, artificial intelligence, succession, consolidation, scale, and what the next generation of advisory firms may require. Before making the move, ask yourself: Are you simply changing structures, or are you building a firm that will work better for your clients, your team, and for you? Visit RIA Confidential for tools and resources designed to help you explore the move to independence. To discuss what your future firm could look like, connect with Ray Gettins, Your RIA Mentor. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

5. 

   24 Jun 2026

   Record-Breaking RIA Transition - How One Advisor Completed Everything in Less Than 7 Days With Almost No Out-of-Pocket Cost

   Most advisors assume an RIA transition has to be slow, expensive, disruptive, and painful. This episode knocks those assumptions on their heels as Jonathan Andrews and Ray Gettins break down a real advisor transition that was completed in less than 7 days with almost no out-of-pocket cost. Yes, less than 7 days.And no, this is not a hype piece or a blanket promise that every transition works the same way. It is a real case study that forces a much bigger question: What if the fear of transition has been costing advisors more than the transition itself? Jonathan and Ray unpack what made this move possible, why structure and sequencing mattered so much, how the process stayed highly organized, and why this transition looked nothing like the drawn-out, chaotic version so many advisors have been taught to expect. They also go deeper into the bigger business issue behind the story: stronger economics, the hidden cost of staying put, and why so many advisors delay independence because they are reacting to assumptions they have never actually tested. If you have ever assumed the path to independence would be too messy, too expensive, or too hard to pull off, this episode is worth your time. Download the companion case study and reach out to Ray Gettins, the RIA Mentor at RIAConfidential.org, if you want a clearer picture of what transition could really look like in your situation. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

6. 

   20 May 2026

   The Two Fears Between You and Your Advisor Independence

   In this episode of RIA Confidential, Jonathan Andrews and Ray Gettins take on two of the biggest fears that keep advisors from seriously exploring independence: compliance and transition. For many advisors, these are the two issues that make going RIA feel heavier, riskier, more expensive, and more disruptive than it may actually be. Compliance gets treated like a wall. Transition gets imagined as chaos. And together, those two fears keep a lot of advisors stuck far longer than they should be. Jonathan and Ray unpack why both of these concerns are real, but often far more manageable than many advisors assume. Looking back at the recent Hadrius conversation, they revisit the idea that compliance should not be the thing that kills growth. Done right, it should be part of the foundation that supports a stronger, more defensible business. Then they turn to transition, the second big bogeyman. Why does it feel so overwhelming? What are advisors often getting wrong about the process? And why do so many people overestimate the cost, chaos, and time involved? They also preview next month’s episode, where Ray will break down a real case in which he and his team helped an advisor transition in less than seven days with almost no out-of-pocket cost. Alongside that episode, RIA Confidential will release a written case study showing exactly how it happened. If compliance and transition have felt like the two biggest things standing between you and independence, this episode is for you. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

7. 

   22 Apr 2026

   The Compliance Myth That Keeps Advisors From Independence

   How many advisors have talked themselves out of independence because of compliance fear? More than most people realize. In this episode of RIA Confidential, we sit down with Hadrius to take on one of the biggest forces keeping advisors stuck: the belief that compliance on the independent side is simply too overwhelming, too risky, or too complicated to handle. But what if that story is incomplete? This conversation pulls back the curtain on the myths, misunderstandings, and mental roadblocks that keep advisors from fully exploring the RIA path. We talk about what compliance really looks like today, why perception and reality are often two very different things, and how the right structure and support can change everything. For advisors who have ever wondered whether compliance is truly the obstacle (or just the obstacle they have been taught to fear) this is a conversation worth hearing. In this episode, you’ll hear: The compliance myths that keep advisors from making the leap Why fear often grows larger than the facts What advisors should understand before ruling out independence How modern support systems can reduce friction and uncertainty Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

8. 

   25 Mar 2026

   Beyond the "House of No": How Chris Tasik Built his Advisor Independence

   What happens when a successful advisor realizes the old model no longer fits the business they want to build? In this episode, Chris Tasik shares the story behind his move beyond the “House of No” — leaving behind bureaucracy, limitations, and isolation to create a more intentional version of his practice. What makes this conversation powerful is that it is not just about breaking away. It is how he went about building something better: better support, better tools, better alignment, and a better client experience. Chris also reveals one of the biggest surprises of independence — that in the right environment, it does not feel like going it alone at all. It feels like freedom and community ---a potent combination. Key Takeaways True independence is not just about leaving something behind. It is about building the next version of the business with better alignment, better support, and more room to grow. Chris’s move was driven by frustration with unnecessary bureaucracy, limited flexibility, and a broker-dealer affiliation that no longer matched how he was actually serving clients. In the right environment, independence does not mean isolation. It can create more collaboration, stronger peer support, and a real sense of community. Better tools, open architecture, and a supportive culture can directly improve the client experience, which is ultimately what the transition is all about. One of the biggest surprises Chris found was that independence brought not only more control, but also more happiness, more possibility, and a stronger network of like-minded advisors. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

9. 

   25 Feb 2026

   What Independence Really Takes - A Real RIA Launch Case Study

   On this episode of RIA Confidential, hosts Jonathan Andrews and Ray Gettins II bookend a real-world case study with Skee Orr, co-founder of Kinetic Wealth, a fee-only planning firm in Knoxville, TN. Jonathan and Ray open the show by reframing what “going independent” really looks like: Less like a single leap and more like a chain of decisions around motivation, timing, support, and capacity. Before cutting to the full 9:47 case study interview, they give listeners a simple three-question framework to evaluate their own readiness to go RIA: who they're really building for, what client experience they're actually delivering, and what support system they truly have in place. After the interview, they return to the studio for a fast, conversational post-game breakdown. Together they unpack the key themes from Skee Orr's first year as a fee-only RIA: why being genuinely client-first becomes a decision filter, how timing is more about personal and operational capacity than markets, why community functions as real infrastructure in independence, and how to realistically tackle the "all the hats" throughput problem. They close with practical next steps for advisors who are seriously considering the leap: from pressure-testing the economics at RIAconfidential.com to thinking through tech stack, support, and the first 90 days as an independent RIA. Ideal for: wirehouse and broker-dealer advisors considering a move to the RIA model, fee-based advisors curious about full independence, and teams wrestling with how to align their structure with a truly client-first standard. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

10. 

    21 Jan 2026

    RIA Confidential - The Inside Scoop Behind our New RIA Resource Hub

    RIA Confidential is evolving from a podcast into a platform. In this founding episode, attorney Jonathan Andrews and RIA transition expert Ray Gettins (Your RIA Mentor) explain why RIA Confidential is becoming a vendor-neutral Resource Hub built for modern advisors who want clarity without the pitch. If you’ve ever felt buried under “education” that quietly turns into a funnel, this episode lays out the real problem. It’s not an information issue. It’s an incentive issue. And that’s exactly what the Resource Hub is designed to solve. You’ll hear the “RIA Confidential Pledge” (our trust contract), what it means in practice, what’s inside the new Hub (Start Here, Roadmap, Tools, and the Resource Library), and how we’re protecting editorial independence as we formalize the entity and pursue nonprofit status. In this episode, we cover: Why the industry has an incentive problem and how it creates advisor paralysis The 5-point RIA Confidential Pledge and what it looks like in real life What’s changing: the podcast stays the voice, the Hub becomes the infrastructure What you’ll find in Start Here, the Roadmap, Tools, and the Resource Library How to use the Hub based on your stage: exploring, planning, already independent How advisors can shape the platform through the Question Box, Signal Drops, and real stories A preview of 2026: RIA Confidential Live and the Roadshow conversations Take the Resource Hub for a spin: RIAConfidential.com Want a private conversation about your situation? Book a confidential call with Ray: RIAMentor.com RIA Confidential is educational content and is not legal, tax, or investment advice. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

11. 

    17 Dec 2025

    The 2025 Questions Most asked by Advisors in Private: And What They Mean for 2026

    Most advisors don’t voice their biggest questions publicly. They ask them quietly, in private conversations, late-night reflections, and moments when the industry’s direction feels uncertain. In this year-end episode of RIA Confidential, we look back at 2025 and bring those private questions into the open while explaining what they signal about the road ahead. Drawing from every episode released in 2025, including The Shockwave, What Happens After the Leap, and the full Caught in the Shuffle series. Throughout the episode, Ray Gettins (Your RIA Mentor) answers the questions advisors have been asking all year, and connects the dots to what they mean for 2026. This episode explores: Why advisor consolidation accelerated, and what it changed beneath the surface The hidden risks of staying inside a broker-dealer too long What actually happens after advisors step into independence Whether annuity and insurance business can truly survive a transition Which legal fears are real, and which are outdated myths How to recognize when your personal tipping point has arrived This episode reflects a perspective earned through listening to advisors, to the data, and to the shifts reshaping the profession. If you’ve felt the tension building in 2025 this episode will help you understand why, and how to think differently about what comes next. Next Steps: 🔹 Try the RIA Calculator at RIACalculator.org 🔹 Follow RIA Confidential on LinkedIn for weekly insights 🔹 Book a confidential conversation with Ray to explore your options 2026 won’t be the year advisors react. 2026 will be the year of Advisors taking control of their own narrative. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

12. 

    19 Nov 2025

    The Strategic Shift: How to Thrive in the Post-Broker-Dealer Era

    The Strategic Shift: Thriving in the Post–Broker-Dealer Era The wealth management world is facing the biggest transformation in decades — and most advisors feel it long before they talk about it. Mergers. Payout cuts. Compliance bottlenecks. Shrinking product shelves. Rising tech fees. These aren’t random frustrations… They’re signals. In the final episode of our Caught in the Shuffle series, host Jonathan Andrews and Your RIA Mentor, Ray Gettins, break down the truth behind the shift reshaping the industry  while revealing why early movers will define the next decade of financial advice. You’ll discover: Why payout compression isn’t the real problem (and what is) How micro-shifts inside broker-dealers trigger macro-level advisor consequences The hidden cost of staying put and how it compounds over time The A·B·C Framework (Assess · Break Away · Create) that simplifies the entire independence journey The outdated myth about losing annuity and insurance business when going RIA What thriving truly looks like in the era of independence The RIA Tipping Point and why it’s closer than most advisors realize Packed with real advisor stories, strategic insights, and the hard truths most firms won’t tell you, this episode gives you the clarity, confidence, and roadmap to navigate the industry’s biggest realignment. Whether you’re already exploring independence or still inside a broker-dealer feeling the pressure rise, this episode will change how you see your future. This isn’t the end of an era, it’s the beginning of one. And the advisors who move with intention… will lead it! Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

13. 

    29 Oct 2025

    The Biggest Fear About Going Independent, and Why It’s Flat-Out Wrong

    Busting Advisors' Biggest Fear about Going Independent! the Insurance & Annuity Myth: What Advisors Need to Know About Independence! One of the biggest misconceptions keeping advisors from exploring independence is the belief that leaving a broker-dealer means losing access to insurance and annuity solutions. In this eye-opening joint episode of RIA Confidential, host Ray sits down with of Mike and Hunter from DPL Financial Partners to unpack the truth behind that myth: How fee-based insurance platforms are transforming the landscape for independent advisors. In this episode, you’ll discover: How independent advisors maintain and even expand access to insurance and annuity solutions The rise of commission-free, client-first protection products How DPL’s model integrates seamlessly into the RIA ecosystem Real-world examples of advisors who made the shift successfully Whether you’re considering independence or simply want to future-proof your business model, this conversation cuts through the confusion and delivers practical insight every advisor needs to hear. Tune in, take notes, and discover how independence can actually expand your capabilities, not limit them. About the Series: RIA Confidential — Your Source for the Truth About Going RIA — is produced by BraveHeartsTV in collaboration with United Advisor Group, and Beneficial  Business Solutions. Featuring real conversations with advisors, thought leaders, and industry partners helping shape the next era of advisor independence. Disclaimer: United Advisor Group ("UAG"), is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. UAG, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name.  Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security of personalized investment, tax, or legal advice. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

14. 

    24 Sept 2025

    Caught in the Shuffle: The Merger Survival Series. Episode 1 of 3

    Mergers and acquisitions are sweeping through the advisory world at record speed. In just the first half of 2025 alone, nearly $183 billion in assets changed hands across close to 200 deals. These headlines aren’t just numbers, they’re reshaping firms, careers, and client relationships and the RIA landscape all over the country. That’s why we’re launching Caught in the Shuffle: The Merger Survival Series. This is the first of three Episodes, Ray Gettins and Jonathan dedicated to Advisors caught in the shuffle. Listen as they dive into the shockwave advisors feel the moment a merger is announced. From payout grids that slash income by hundreds of thousands overnight to the emotional toll of losing control, they unpack the hidden costs of staying put, spotlighting real advisors who either got crushed or came out stronger by choosing independence. Most importantly, you’ll hear the first steps every advisor should take when consolidation comes knocking. Because even if you didn’t choose the merger, you still have a choice in what happens next.What happens when a merger announcement lands in your inbox? For many advisors, it’s a shock, a gut punch of realizing your free agency has vanished overnight. The culture you chose, the payout grid you relied on, and the control you once had can all disappear in an instant. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

15. 

    20 Aug 2025

    RIA Confidential - What Independence Really Looks Like for Advisors

    🎙 RIA Confidential – Episode 2: Making Independence Work Breaking away is only half the battle. The real challenge? Building the life and practice you envisioned once you’re on the other side. In this episode, host Jonathan Andrews sits down with Ray Gettins (“Your RIA Mentor”) to uncover what most advisors don’t see coming after leaving the broker-dealer model—and how to set yourself up for success. You’ll discover: The #1 surprise advisors face after independence—and how to navigate it. Why trust is built (or broken) in your daily operations, not just portfolio performance. Real stories of collaboration inside United Advisor Group that boosted both client outcomes and advisor revenue. How to scale your practice without losing authenticity—or your weekends. The marketing edge: Why programs like the Sponsor Method help advisors stand out with purpose. Whether you’re planning your breakaway or already independent, this episode gives you the strategies and stories to make independence truly work for you. 👉 Ready to explore your future? Try the RIA Calculator at RIACalculator.org (https://RIACalculator.org) Book a Call with Your RIA Mentor (https://riamentor.com), Ray Gettins Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

16. 

    23 Jul 2025

    RIA Confidential - EP 1 - Breaking Free from the Broker Dealer Model

    Why Advisors Are Making the Move to RIA: Tired of feeling like just another cog in the machine? You’re not alone—and you’re not stuck. In this powerful kickoff episode of the RIA Confidential Podcast, host Jonathan Andrews sits down with Ray Gettins, "Your RIA Mentor," to explore the growing wave of financial advisors leaving the broker-dealer world behind for something better: the RIA model. They unpack why more advisors are walking away from restrictive platforms, outdated sales quotas, and capped earnings—and how going RIA unlocks true autonomy, fiduciary alignment, and business ownership. In this episode, you’ll discover: ✅ Why control, flexibility, and brand ownership matter more than ever ✅ The truth about payouts and the financial upside of going RIA ✅ How fiduciary duty deepens client trust and leads to referral growth ✅ What it really takes to customize portfolios and run your own practice ✅ Why UAG is helping advisors ditch compliance headaches for good ✅ And how to communicate with clients so they want to come with you Whether you’re RIA-curious or ready to make the leap, this episode offers insights, laughs, and hard-earned wisdom from the front lines of financial independence. 🎧 Plus, don’t miss the shoutout to the RIA Income Calculator (https://my.riacalculator.org/the-advisor-liberation-calculator) This free tool can be found at RIACalculator.org (https://my.riacalculator.org/the-advisor-liberation-calculator).  It will help you see what your earning potential could look like on the other side of independence. Episode Footer - Ready to take control of your future? Run the numbers with the free RIA Calculator at RIACalculator.org (https://RIACalculator.org) Connect with us on LinkedIn at RIA Confidential Podcast (https://www.linkedin.com/company/ria-confidential-podcasts/?viewAsMember=true) Book a confidential call with Ray at RIAMentor.com (https://riamentor.com/) Visit our website: RIAConfidential.com (https://RIAConfidential.com) Because you don’t have to be caught in the shuffle. You can write your own story.

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Apple Podcasts (US)

3.7 / 5

3 ratings

Spotify

5.0 / 5

6 ratings

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Books guests

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