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Common Sense Financial Podcast

Brian Skrobonja: Author, Financial Advisor, Entrepreneur

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Followers
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Plays
Common Sense Financial Podcast

Common Sense Financial Podcast

Brian Skrobonja: Author, Financial Advisor, Entrepreneur

1
Followers
10
Plays
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About Us

The Common Sense Financial Podcast is all about finances, mindset and personal growth. The goal is to help you make smart choices with your money in your home and in your business. Securities offered through Kalos Capital, Inc. and Investment advisory services offered through Kalos Management, Inc. located at 11525 Park Wood Circle Alpharetta, GA 30005. Skrobonja Financial Group is not a subsidiary of Kalos Capital, Inc. nor Kalos Management, Inc.

Latest Episodes

CSFP 030 - The "Secret" For Achieving Financial Independence

The most wealthy and financially independent people I know realize something that most people don’t. They realize that wealth…true financial independence… is not found in the amount of money that you have. That is what most people believe… they think that if they have a lot of money saved that they will have this sense of independence. And there is some truth to that…accumulating a lot of money is a great accomplishment in this consumer driven society. In this podcast I want to share with you this simple paradigm shift that I believe could be the most significant money lesson you ever learn.

13 MIN1 w ago
Comments
CSFP 030 - The "Secret" For Achieving Financial Independence

CSFP 029 - The Best Pension Option For Maximum Results In Your Retirement

Pensions are becoming more and more of a dinosaur as companies are moving away from them and are replacing them with 401k type plans. There are multitudes of reason why this shift is occurring but the primary reason is due to the simple fact that pensions are unsustainable. Pension had their hay day in the 1960s but began to fail opening the door for the government to enter the picture. The truth is, pensions have been struggling to keep their head above water ever since and outside of government are no longer viable. The point is that at one time pensions were as common as 401k’s are today but times are changing and if you have a pension there are things you should consider to protect yourself from a financial crisis. Whether you are drawing a pension now or are planning to draw from one in your retirement, what I will share in this podcast may impact your future benefits.

13 MINJAN 8
Comments
CSFP 029 - The Best Pension Option For Maximum Results In Your Retirement

CSFP 028 - Little Known Strategies Every Entrepreneur Should Know

The goal of every business owner is to increase and expand income sources and grow profits while minimizing what is needed to generate the income. To grow your income, you can do more of what it is that you do that creates revenue or find ways to tweak your systems that will result in an increase in cash flow without the need to create more revenue. Know and understand your cash flow needs. Plugging leaks in your spending can increase cash flow and your ability to invest back into your company. Anticipate your future cash needs can free you from relying on a bank to lend you money giving you the benefit of EARNING interest instead of PAYING interest. Overpaying your taxes when there are legal and ethical ways to reduce them is wiliness on your part to overpay your taxes and voluntarily give up precious resources that you could be using for your business. Whether you want to build a business to sell or build a business for generating a stream of income for yourself…the goal should be to have a business that runs and operates without your day-to-day involvement.

11 MIN2019 DEC 4
Comments
CSFP 028 - Little Known Strategies Every Entrepreneur Should Know

CSFP 027 - 9 Basic Principles For Managing Your Money

Money is a HUGE part of our life yet schools don’t spend time teaching us how to manage it and most families don’t share their experiences with one another. Without guidance and learning best practices to achieve success, we are set up for FAILURE before we even begin our relationship with money. It seems reasonable to believe that it would be a good idea to acquire some training on how to effectively think about and handle money BEFORE we get started. These are a few basic points about handling and thinking about money that I believe are the FOUNDATION for all other decisions you will ever need to make with money. • Everything is about cash flow • Work to control the outcome • Average rates of return are misleading • The government is not your friend • Unicorns aren’t real. • Banks are not your friends • Projections are made up • Don’t be a consumer • Know the difference between leverage and debt

10 MIN2019 OCT 31
Comments
CSFP 027 - 9 Basic Principles For Managing Your Money

CSFP 026 - Do You Have Life Insurance As An Asset Class In Your Portfolio?

It’s interesting to me how little people really know about life insurance. Most people when they think of life insurance they think about its use to protect families, pensions, liabilities and business. But there are other uses such as banking, retirement, tax reduction, long term care and portfolio diversification that is not often considered when thinking about life insurance. I think one of the limitations people have about life insurance is its complexity but its also the negativity that surrounds these plans. We are going to discuss all of this and more but before we do I want to say that to get the most from this, I would encourage you to set aside any biases you may have based on things you have heard and consider why I use this in my personal planning.

14 MIN2019 OCT 2
Comments
CSFP 026 - Do You Have Life Insurance As An Asset Class In Your Portfolio?

CSFP 025 - Our Mindset And The Effect It Has On Our Finances

The older I get the more I realize the impact our mindset has on every aspect of our life including our finances. What you think about, what you believe and the way you go about making decisions and living life is a direct result of how we think. We all know that there is no shortage of information and opinions on the topic of money. Turn on the TV and you are inundated with commercials for products, services, books and seminars that are screaming for your attention. How do we process so much information? There is an overwhelming amount of content that seems impossible to sort through and understand. In fact, it is said that the brain processes 400 billion bits of information per second and it is estimated that we consume 34 gigabits of information per day . Our brains are set to overdrive trying to sort through and make sense of what we are consuming. It seeks short cuts as it associates information with something we are already familiar with. It is like an assembly line grabbing things and throwing them into predefined categories you have already established for yourself. This process reduces the amount of thought that goes into figuring out what something means. The challenge is that once you have created this association or pathway in your mind about something, it is difficult to redefine it unless you stop to consider what is happening.

13 MIN2019 SEP 25
Comments
CSFP 025 - Our Mindset And The Effect It Has On Our Finances

CSFP 024 - The Family Office Model

CSFP 024 - The Family Office Model by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

11 MIN2019 AUG 20
Comments
CSFP 024 - The Family Office Model

CSFP 023 - The Biggest Threat To Retirees

In this podcast we will discuss nine specific threats that are always lingering and are threatening your cashflow. Inflation, sequence of returns, unfilled income gaps, market risk, interest rate risks, taxes, long term care expenses, rising health care costs, technology and medical advancements are all real concerns that you need to think about. These are without a doubt the biggest threats and if left unchecked can really cause problems for retirees who have not planned well to overcome them.

11 MIN2019 JUN 25
Comments
CSFP 023 - The Biggest Threat To Retirees

CSFP 022 - Wall Street Is Broken

CSFP 022 - Wall Street Is Broken by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

12 MIN2019 APR 27
Comments
CSFP 022 - Wall Street Is Broken

CSFP 021 - Goal Setting And New Years Resolutions

In this episode, Brian discusses best practices for starting the new year off right and using techniques to help increase the chances of success of you achieving your goals. Brian walks through his 'Five F's' and explains a simple way to get organized with your thoughts and put a plan in place to have a successful 2019.

8 MIN2018 DEC 19
Comments
CSFP 021 - Goal Setting And New Years Resolutions

Latest Episodes

CSFP 030 - The "Secret" For Achieving Financial Independence

The most wealthy and financially independent people I know realize something that most people don’t. They realize that wealth…true financial independence… is not found in the amount of money that you have. That is what most people believe… they think that if they have a lot of money saved that they will have this sense of independence. And there is some truth to that…accumulating a lot of money is a great accomplishment in this consumer driven society. In this podcast I want to share with you this simple paradigm shift that I believe could be the most significant money lesson you ever learn.

13 MIN1 w ago
Comments
CSFP 030 - The "Secret" For Achieving Financial Independence

CSFP 029 - The Best Pension Option For Maximum Results In Your Retirement

Pensions are becoming more and more of a dinosaur as companies are moving away from them and are replacing them with 401k type plans. There are multitudes of reason why this shift is occurring but the primary reason is due to the simple fact that pensions are unsustainable. Pension had their hay day in the 1960s but began to fail opening the door for the government to enter the picture. The truth is, pensions have been struggling to keep their head above water ever since and outside of government are no longer viable. The point is that at one time pensions were as common as 401k’s are today but times are changing and if you have a pension there are things you should consider to protect yourself from a financial crisis. Whether you are drawing a pension now or are planning to draw from one in your retirement, what I will share in this podcast may impact your future benefits.

13 MINJAN 8
Comments
CSFP 029 - The Best Pension Option For Maximum Results In Your Retirement

CSFP 028 - Little Known Strategies Every Entrepreneur Should Know

The goal of every business owner is to increase and expand income sources and grow profits while minimizing what is needed to generate the income. To grow your income, you can do more of what it is that you do that creates revenue or find ways to tweak your systems that will result in an increase in cash flow without the need to create more revenue. Know and understand your cash flow needs. Plugging leaks in your spending can increase cash flow and your ability to invest back into your company. Anticipate your future cash needs can free you from relying on a bank to lend you money giving you the benefit of EARNING interest instead of PAYING interest. Overpaying your taxes when there are legal and ethical ways to reduce them is wiliness on your part to overpay your taxes and voluntarily give up precious resources that you could be using for your business. Whether you want to build a business to sell or build a business for generating a stream of income for yourself…the goal should be to have a business that runs and operates without your day-to-day involvement.

11 MIN2019 DEC 4
Comments
CSFP 028 - Little Known Strategies Every Entrepreneur Should Know

CSFP 027 - 9 Basic Principles For Managing Your Money

Money is a HUGE part of our life yet schools don’t spend time teaching us how to manage it and most families don’t share their experiences with one another. Without guidance and learning best practices to achieve success, we are set up for FAILURE before we even begin our relationship with money. It seems reasonable to believe that it would be a good idea to acquire some training on how to effectively think about and handle money BEFORE we get started. These are a few basic points about handling and thinking about money that I believe are the FOUNDATION for all other decisions you will ever need to make with money. • Everything is about cash flow • Work to control the outcome • Average rates of return are misleading • The government is not your friend • Unicorns aren’t real. • Banks are not your friends • Projections are made up • Don’t be a consumer • Know the difference between leverage and debt

10 MIN2019 OCT 31
Comments
CSFP 027 - 9 Basic Principles For Managing Your Money

CSFP 026 - Do You Have Life Insurance As An Asset Class In Your Portfolio?

It’s interesting to me how little people really know about life insurance. Most people when they think of life insurance they think about its use to protect families, pensions, liabilities and business. But there are other uses such as banking, retirement, tax reduction, long term care and portfolio diversification that is not often considered when thinking about life insurance. I think one of the limitations people have about life insurance is its complexity but its also the negativity that surrounds these plans. We are going to discuss all of this and more but before we do I want to say that to get the most from this, I would encourage you to set aside any biases you may have based on things you have heard and consider why I use this in my personal planning.

14 MIN2019 OCT 2
Comments
CSFP 026 - Do You Have Life Insurance As An Asset Class In Your Portfolio?

CSFP 025 - Our Mindset And The Effect It Has On Our Finances

The older I get the more I realize the impact our mindset has on every aspect of our life including our finances. What you think about, what you believe and the way you go about making decisions and living life is a direct result of how we think. We all know that there is no shortage of information and opinions on the topic of money. Turn on the TV and you are inundated with commercials for products, services, books and seminars that are screaming for your attention. How do we process so much information? There is an overwhelming amount of content that seems impossible to sort through and understand. In fact, it is said that the brain processes 400 billion bits of information per second and it is estimated that we consume 34 gigabits of information per day . Our brains are set to overdrive trying to sort through and make sense of what we are consuming. It seeks short cuts as it associates information with something we are already familiar with. It is like an assembly line grabbing things and throwing them into predefined categories you have already established for yourself. This process reduces the amount of thought that goes into figuring out what something means. The challenge is that once you have created this association or pathway in your mind about something, it is difficult to redefine it unless you stop to consider what is happening.

13 MIN2019 SEP 25
Comments
CSFP 025 - Our Mindset And The Effect It Has On Our Finances

CSFP 024 - The Family Office Model

CSFP 024 - The Family Office Model by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

11 MIN2019 AUG 20
Comments
CSFP 024 - The Family Office Model

CSFP 023 - The Biggest Threat To Retirees

In this podcast we will discuss nine specific threats that are always lingering and are threatening your cashflow. Inflation, sequence of returns, unfilled income gaps, market risk, interest rate risks, taxes, long term care expenses, rising health care costs, technology and medical advancements are all real concerns that you need to think about. These are without a doubt the biggest threats and if left unchecked can really cause problems for retirees who have not planned well to overcome them.

11 MIN2019 JUN 25
Comments
CSFP 023 - The Biggest Threat To Retirees

CSFP 022 - Wall Street Is Broken

CSFP 022 - Wall Street Is Broken by Brian Skrobonja: Author, Financial Advisor, Entrepreneur

12 MIN2019 APR 27
Comments
CSFP 022 - Wall Street Is Broken

CSFP 021 - Goal Setting And New Years Resolutions

In this episode, Brian discusses best practices for starting the new year off right and using techniques to help increase the chances of success of you achieving your goals. Brian walks through his 'Five F's' and explains a simple way to get organized with your thoughts and put a plan in place to have a successful 2019.

8 MIN2018 DEC 19
Comments
CSFP 021 - Goal Setting And New Years Resolutions
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