4 Types of Financial Professionals and How to Spot the Right One

June 12, 2025

When it comes to managing your wealth, the person you choose to guide you matters just as much as the plan itself. But not all financial professionals are created equal. In fact, some may do more harm than good. Today we’ll break down the four types of financial professionals you might encounter, and how to recognize who belongs on your financial team and who doesn’t.

Using relatable analogies (like his experience with skinny jeans), find out how cash plays a critical role in your portfolio, especially when you're no longer earning a paycheck. You'll hear why the right amount of cash is different for everyone, how to strike a balance between safety and growth, and how a disciplined, personalized plan can help you sleep better at night.

Here’s what we discuss in this episode:

💰 How much cash you really need and why

🚗 The “seatbelt” strategy to stay safe in rough markets

👖 Why financial planning isn’t one-size-fits-all

🧘 How planning reduces stress during uncertainty

0:00 – Intro

0:51 – What Cash Really Does for You During Market Volatility

2:35 – How Much Should I Set Aside in Cash?

5:00 – Investment Opportunities During a Down Market

7:41 – Discipline, Balance, and Living Your Best Life

9:20 – Rob’s market Predictions