Best Adam Cmejla Podcasts (2025)

1
Why Tax Benefits Shouldn’t Drive Your Investment Decisions with Adam Cmejla (EP.215) 41:55

25d ago41:55

41:55

See exactly how I invest my own money. I break down my asset allocation, cash reserves, and why I keep my portfolio simple. Download the guide now. ----- I recently joined the 20/20 Money podcast to explore Opportunity Zones—investment vehicles known for their attractive tax benefits, but often misunderstood risks. As we dissect several real-world …

1
How Evidence-Based Advice Adds Up to 3% In Net Returns With Fran Kinniry (EP.218) 35:54

4d ago35:54

35:54

Not all financial advisors are created equal. Before you hire one, make sure you’re asking the right questions. Use my structured interview worksheet to compare advisors and avoid costly mistakes. Get it free. Vanguard’s Advisor’s Alpha framework just turned 25—and few people know its impact better than Fran Kinniry, the study’s original architect.…

1
A simple strategy to make the pain of quarterly estimates less (emotionally) stressful for optometry practice owners 38:48

6d ago38:48

38:48

If you’ve ever wondered how to take some of the emotional sting out of estimated tax payments, this episode is for you. I share a simple yet impactful way to manage your cash flow, a simple formula to help you better estimate your estimated payments, and how to segregate your savings to give you a clearer picture of your cash-on-hand to make your q…

1
Reset Your Portfolio Expectations (Before It’s Too Late) (EP.217) 36:49

11d ago36:49

36:49

Get updates for my new book: https://Theperfectportfoliobook.com ----- Recently, I joined Jesse Cramer on The Best Interest Podcast for a conversation on volatility, investor behavior, and how to avoid overreacting to headlines. We unpack why market noise can distort long-term plans and what to do when your risk tolerance feels misaligned with your…

1
Lessons from the (former) President of TSO: cooperative strategies to counter PE disruption and empower private practice ownership with John Marvin 1:14:45

13d ago1:14:45

1:14:45

My guest today is John Marvin, former President of TSO (Texas State Optical). John joins me to talk about two intertwined issues reshaping private-practice optometry: the accelerating influence of private equity and the growing challenge of recruiting—and retaining—enough ODs to meet patient demand. We explore the cultural and financial trade-offs …

1
The Power of Humility in Investing with Dan Rasmussen (EP.216) 39:51

18d ago39:51

39:51

Get updates for my new book: https://Theperfectportfoliobook.com ----- Dan Rasmussen, author of The Humble Investor, joins me to unpack the overlooked superpower of humility in investing. We discuss why market forecasts often go wrong, how overconfidence fuels financial mistakes, and where conventional wisdom can lead investors astray. Dan also rev…

1
2024 Books & Benchmarks Report Discussion with Nathan Hayes 1:06:58

18d ago1:06:58

1:06:58

Welcome to this episode of 20/20 Money! My guest on today's show is Nathan Hayes. Nathan joins me on the show to do a deep dive into 2024's Books & Benchmark's annual report. He shares ranges of the numbers that practice owners should really care about and should be tracking: COGS, non-OD staff expense, Associate OD comp ranges, occupancy costs, an…

1
Are Opportunity Zones really an opportunity or is the tax tail wagging the investment dog with Peter Lazaroff, CFA, CFP® 46:11

27d ago46:11

46:11

Welcome to this episode of 20/20 Money! My guest on today’s show is Peter Lazaroff, CFA, CFP®. Peter joins me to examine whether the much-touted tax benefits of opportunity zones (OZs) justify the risks required, or if investors are letting the “tax tail” wag the investment dog. We cover how OZs work, what the new One BBB Act means for the program’…

1
The Wealth Ladder: How Income, Spending, and Happiness Are Connected With Nick Maggiulli (EP.214) 33:06

1M ago33:06

33:06

Most financial mistakes happen because people don’t see the full picture. My Net Worth Worksheet helps you track everything in one place—so you stay informed. Get it now. ----- In this episode, Nick Maggiulli, author of the acclaimed finance blog Of Dollars and Data, joins me to unpack his groundbreaking new book, The Wealth Ladder. We dive into fr…

1
Building my ideal "Frankenstein" practice discourse, 3 important practice metric numbers to focus on, and examples of AI use in practice with Dr. Dodge Perry, OD 1:03:15

1M ago1:03:15

1:03:15

Welcome to this episode of 20/20 Money! My guest on today's show is Dr. Dodge Perry, OD. Dodge joins me on the show to have an open discussion after listening to my "Frankenstein" episode, which was inspired by him asking me the question "If I could create an ideal private practice, what would go into that decision making process?" We discuss the i…

1
Why Is the U.S. Dollar Declining—and What Does It Mean for Investors? (EP.213) 9:43

1M ago9:43

9:43

Sign up here to receive Peter’s quarterly market webinar. ----- In this episode, we explore one of 2025’s most surprising financial trends: the significant decline of the U.S. dollar and the remarkable outperformance of international equities. Join host Peter Lazaroff as he breaks down exactly why the dollar weakened, how currency fluctuations dire…

1
What the One Big Beautiful Bill Act means for optometry private practice owners & their financial planning 1:01:59

1M ago1:01:59

1:01:59

In this episode of 20/20 Money, I break down some of the most impactful tax and planning changes introduced in the recently passed Big Beautiful Bill Act—Congress’s sweeping update to the tax code that makes many TCJA provisions permanent while adding new wrinkles that matter to private practice owners. Whether you’re thinking about how to reduce y…

1
2025 Midyear Market Update: Navigating Volatility, Tariffs, and Global Opportunities (EP.212) 8:25

2M ago8:25

8:25

Access my recorded quarterly webinar by signing up for my newsletter. Get an inside look at what’s shaping my thinking, plus see what I’ve been reading about investing and financial planning. ----- In this midyear update, Peter reviews the key trends shaping markets, politics, and the global economy in 2025. He covers market volatility sparked by t…

1
5 common decisions that prevent ODs from achieving financial independence 39:30

2M ago39:30

39:30

Welcome to this episode of 20/20 Money. In the spirit of Independence Day, today’s episode explores a different kind of freedom—financial independence—and the common decisions that often stand in the way of achieving it. I walk through five recurring mistakes I see optometric practice owners make that limit their long-term financial freedom, both p…

1
5 Investing Lessons Hidden In Market History (EP.211) 6:53

2M ago6:53

6:53

Help vote on book cover concepts, sign up now: https://Theperfectportfoliobook.com ----- What can the past teach us about today’s ever-changing, volatile market? In this episode, Peter shares five timeless investing lessons drawn from market history—insights that are just as relevant today as ever. Adapted from a chapter in his upcoming book, The P…

1
ANOTHER 20/20 Takeover: Your favorite KPIs (and why?!) w/ Drs. Jennifer Stewart, OD & Jeremy Ciano, OD 51:15

2M ago51:15

51:15

Welcome to this episode of 20/20 Money! My guests on today's show are my two good friends—and successful practice owners—Drs. Jeremy Ciano and Jennifer Stewart, OD. This is another takeover episode, so I'm honestly not sure where they'll take the conversation. The only direction I gave them was the title of the episode, so I'm just as curious as yo…

1
How Not to Invest: Avoiding Common Mistakes and Dangerous Financial Advice with Barry Ritholtz (EP.210) 48:32

2M ago48:32

48:32

Get updates for my new book: https://Theperfectportfoliobook.com In this engaging episode, Barry Ritholtz—author of the influential Big Picture blog, host of the renowned Masters in Business podcast, and author of the new book How Not to Invest—shares invaluable insights into making smarter investment decisions. Barry challenges common financial my…

1
The delegation journey...and why every practice owner should be on it! with Dr. Michael Neal, OD 49:32

2M ago49:32

49:32

Welcome to this episode of 20/20 Money. My guest on today’s show is Dr. Michael Neal, OD. Mike joins me on the show to talk about the evolution of delegation as a practice owner—specifically, the journey of learning to trust your team with everything outside of your core revenue-producing activities. We share our own experiences with delegation, wh…

1
Announcing My New Book: The Perfect Portfolio (EP.209) 4:54

2M ago4:54

4:54

Get updates for my new book: https://Theperfectportfoliobook.com ----- Is there such a thing as a perfect portfolio? In this short solo episode, Peter Lazaroff shares exciting news—his next book, The Perfect Portfolio, is coming in late 2026. Peter offers a behind-the-scenes look at what inspired the book, how it builds on timeless investing lesson…

1
Using data to determine the best location for your practice with Mike Jorgenson from Carr Healthcare Realty 1:06:14

2M ago1:06:14

1:06:14

Welcome to this episode of 20/20 Money! My guest on today's show is Mike Jorgenson from Carr Healthcare Realty. Mike joins me back on the show to talk about what goes into a demographics search when evaluating the location of a practice—and he does it from both a cold start as well as existing practice's point of view. We talk about the minimum OD:…

1
Lessons on Investing, Market Crises, and the Power of Staying Calm With CNBC’s Bob Pisani (EP.208) 38:37

2M ago38:37

38:37

Sign up for exclusive updates, offers, and bonus chapters of my new book: The Perfect Portfolio. ----- CNBC’s Senior Markets Correspondent Bob Pisani has spent over 25 years reporting from the New York Stock Exchange floor. In this episode, Bob shares vivid stories from the heart of Wall Street, key lessons learned from decades of covering financia…

1
The power of community, stopping the "race to the bottom," educating ODs on practice affordability, discussing the Associate OD shortage, and more with Dr. Mick Kling, OD 44:24

3M ago44:24

44:24

Welcome to this episode of 20/20 Money! My guest on today’s show is Dr. Mick Kling, OD. Mick joins me back on the show to talk about the power of community within the profession and how optometrists can avoid the “race to the bottom” when it comes to pricing by focusing on delivering and communicating value to their patients. We also discuss how to…

1
TACO Investing: Navigating Market Volatility in the Age of Policy Whiplash (EP.207) 9:46

3M ago9:46

9:46

Sign up for exclusive updates, offers, and bonus chapters of my new book: The Perfect Portfolio. ----- Welcome to the world of TACO investing—where “Trump Always Chickens Out”—a phrase capturing the volatile cycle of aggressive policy threats followed by sudden reversals. In this episode, we’ll use the TACO phenomenon as a lens to explore how inves…

1
From blank to bank: How a $35 lens becomes a $525 sale by finishing in-house with Dr. Mike Satryan, OD 1:04:06

3M ago1:04:06

1:04:06

Welcome to this episode of 20/20 Money. My guest on today's show is Dr. Mike Satryan, OD, a partner with Mountain View Eye in Altoona, PA. Mike is a long-time practice owner who brings over 25 years of experience running an in-house optical lab within their practice. We dive into the substantial cost savings his practice has realized by finishing l…

1
Redefining Behavioral Finance for the Modern Investor with Brian Portnoy (EP.206) 50:03

3M ago50:03

50:03

Sign up for updates and exclusive offers related to Peter’s new book, The Perfect Portfolio, by visiting https://theperfectportfoliobook.com ----- Recorded in front of an audience at the CFA Institute’s global conference (CFA Live), I’m joined by behavioral finance expert Brian Portnoy to dive deep into Behavioral Finance 2.0. This conversation goe…

1
The home loan balancing act: smart mortgage moves for optometry practice owners with Lee Raykovicz, OD 1:06:38

3M ago1:06:38

1:06:38

Welcome to this episode of 20/20 Money! My guest on today's show is Lee Raykovicz, OD, a mortgage broker with Go Rascal Mortgages. On today's episode we dive into what goes into the mortgage underwriting process, how practice owners can get creative when it comes to purchasing their homes, the details on what Physician loans actually are and how th…

1
I’m Close to Retirement and the Market is Crazy…Now What? (EP.205) 10:41

3M ago10:41

10:41

Get an inside look at what’s shaping my thinking. Bi-weekly, I share the top 5 investing and financial planning articles I’m reading—straight to your inbox. Sign up for my newsletter. ----- Approaching retirement when markets are turbulent can make even seasoned investors anxious. In this episode, you’ll learn practical strategies for navigating un…

1
REWIND: 3 financial lessons learned from my grandpa and grandma that can shape your relationship with money 33:10

3M ago33:10

33:10

Welcome to this REWIND episode of 20/20 Money! Given that my grandpa just recently celebrated his 96th birthday, I wanted to bring back this episode and share it again for new and long-time listeners alike. It's also a subtle reminder about the importance of understanding longevity risk in one's financial plan. I can only imagine the unfortunate si…

1
Financial History’s Biggest Lessons and How Past Crashes Can Guide Your Investing with Mark Higgins (EP.204) 30:25

3M ago30:25

30:25

Big financial decisions ahead? Whether it’s retirement, a career change, or navigating complex investments, get expert guidance in a quick, no-pressure call. Schedule yours now. ----- In this episode, Mark Higgins, author of Investing in U.S. Financial History, reveals how understanding historical market crashes and human behavior can provide inves…

1
Schedule management, pre-appointing, & the importance of listening to your practice w/ Dr. Chris Wolfe, OD 39:22

3M ago39:22

39:22

Welcome to this episode of 20/20 Money! My guest on today's show is Dr. Chris Wolfe, OD. Chris joins me back on the show to talk about why it's important to be intentional about the business decisions you make in your practice and make those decisions based on data and a plan. We talk about this concept through the lens of schedule management and h…

1
Income vs. Total Return: Which Strategy Builds A More Reliable Retirement? (EP.203) 9:14

4M ago9:14

9:14

Where is your money really going? Most people are surprised when they track it. Use my Cash Flow worksheet to see exactly where your money is going—and how to make it work for you. Download it now. ----- Which approach is better: income-focused or total return investing? Many investors believe they should live off the income their portfolio generat…

1
Increasing optical sales using influential communication with Kayla Ashlee (live on location from BCDO) 1:04:28

4M ago1:04:28

1:04:28

Welcome to this episode of 20/20 Money! My guest on today's show is Kayla Ashlee. Kayla joins me on the show to discuss how the communication cues (or miscues) that unknowingly are happening in your office can be both positively or negatively impacting your patient experience and thus influencing the buying decisions of your patients. She shared ex…

1
Are Private Markets Worth It? Vanguard’s Fran Kinniry on Risks, Rewards, and Realities (EP.202) 34:30

4M ago34:30

34:30

Get an inside look at what’s shaping my thinking. Bi-weekly, I share the top 5 investing and financial planning articles I’m reading—straight to your inbox. Sign up for my newsletter. ----- Private equity and private credit are booming—but should they have a place in your portfolio? Vanguard’s Fran Kinniry joins Peter Lazaroff to break down the rea…

1
Let's RAGE!!! (a Rant Against Growth Excuses) with Nathan Hayes 1:08:46

4M ago1:08:46

1:08:46

Welcome to this episode of 20/20 Money! My guest on today’s show is Nathan Hayes with Books & Benchmarks and IDOC. On this show, Nathan and I RAGE!! That's right, we Rant Against Growth Excuses. We talk about the common headwinds, obstacles, and challenges that we both hear when talking with practice owners...and how to think about solving those is…

1
Should You Buy the Dip? Smart Strategies And Surprising Math (EP.201) 13:33

4M ago13:33

13:33

Where is your money really going? Most people are surprised when they track it. Use my Cash Flow worksheet to see exactly where your money is going—and how to make it work for you. Download it now. ----- When markets drop, many investors wonder if it’s time to take action—and “buying the dip” sounds like a smart move. But is it really? In this epis…

1
Live from NSUOCO: Top 10 Tips for (Financial) Success for Optometrists 1:18:10

4M ago1:18:10

1:18:10

Welcome to this episode of 20/20 Money! This week's episode is the recording of my presentation at NSUOCO, titled "Top 10 Tips for (Financial) Success for Optometrists." Over the course of the year, I'm privileged to present in front of a variety of optometry schools' private practice clubs and classes. The purpose of the presentation is to help OD…

1
The Overlooked Aspects Most Retirement Plans Miss With Christine Benz (EP.200) 35:43

4M ago35:43

35:43

Get an inside look at what’s shaping my thinking. Bi-weekly, I share the top 5 investing and financial planning articles I’m reading—straight to your inbox. Sign up for my newsletter. ----- Retirement planning isn’t just about numbers—it’s about lifestyle, relationships, and finding purpose. In this episode, I sit down with Christine Benz, Mornings…

1
My Frankenstein practice: how I would assemble the perfect optometry practice 1:00:11

4M ago1:00:11

1:00:11

Welcome to this episode of 20/20 Money! What would I do if I were starting an optometric practice from the ground up? A listener posed the question—and I went deep. In this episode, I walk through everything from choosing the right location (hint: geography is everything) to building the skills that matter most when you’re just getting started. We …

1
Do Options-Based Strategies Capture Market Gains Without The Risk? (EP.199) 9:24

5M ago9:24

9:24

If you want to see what you may be overlooking, I’ve created a simple tool to help. In just 15 questions, my Financial Assessment will highlight key opportunities and gaps in your plan. You can take it now at www.smartmoneyquiz.com. ----- Want stock market returns without the risk? Options-based strategies promise just that—but do they deliver? In …

1
Can we PLEASE agree on some numbers (and the KPIs that influence them)?? 39:17

5M ago39:17

39:17

Welcome to this episode of 20/20 Money! In this episode, we tackle the confusion around key financial numbers in your optometric practice and why it’s critical to have a common understanding of their definitions. From gross COLLECTED revenue, cost of goods sold, and net operating income, we explore the most important KPIs that influence your bottom…

1
10 Stock Market Truths With Sam Ro (EP.198) 35:33

5M ago35:33

35:33

Want to see what you may be overlooking in your finances? Discover your biggest opportunities in just 15 questions with my Financial Assessment. ----- Markets are unpredictable in the short term, but history tells us that the long-term trend is clear. Sam Ro, author of the TKer newsletter, joins me at the New York Stock Exchange to discuss the key …

1
An update on Taxes 101: Understanding tax brackets, deductions, and credits for optometric practice owners 48:38

5M ago48:38

48:38

Welcome to this episode of 20/20 Money! In today’s episode, we’re diving into the details of your tax return—beyond just whether you got a refund. We’ll break down the difference between deductions and credits, how our tax brackets work, why you should focus on Line 24—your total tax paid—instead of Lines 34 or 37, and what Line 38 might be telling…

1
Should You Worry About a Recession? What Investors Need to Know in 2025 (EP.197) 10:38

5M ago10:38

10:38

Markets are always moving—should you? Peter can help you assess your investments, tax strategies, and long-term plan. Book a 1/1 call today. ----- With the S&P 500 reaching correction territory and economic data signaling a slowdown, it’s fair to ask: should investors be worried about a recession in 2025? Listen now and learn: ► What’s really drivi…

1
The Art of Delegation from a practice owner's perspective with Dr. Ted McElroy, OD 58:05

5M ago58:05

58:05

Welcome to this episode of 20/20 Money! My guest on today’s show is Dr. Ted McElroy, OD. Ted and I share in a conversation that's on the heels of a 2 hour CE session I did at SECO 2025, which was titled The Art of Delegation. We talk through why practice owners get stuck on delegation, ways to think about becoming more comfortable delegating, the t…

1
The Truth About Risk, Retirement, and the National Debt with Allison Schrager (EP.196) 34:02

5M ago34:02

34:02

Markets are always moving—should you? Peter can help you assess your investments, tax strategies, and long-term plan. Book a 1/1 call with me today. ----- Risk is one of the most misunderstood concepts in finance, yet mastering it is crucial for long-term success. Economist, Bloomberg Opinion columnist, and author Allison Schrager joins me to break…

1
The difference between saving vs deferring taxes 47:56

5M ago47:56

47:56

In this episode, we break down the common misconception that tax deferral is the same as tax savings—spoiler alert: it’s not. We discuss how strategies like funding retirement plans, loss harvesting, and depreciation only push taxes into the future, while true tax savings come from tools like QCDs, business deductions, and Roth account growth. We e…

1
The Gold Rush—Should You Invest in Gold Now? (EP.195) 8:03

6M ago8:03

8:03

Big financial decisions ahead? Whether it’s retirement, taxes, or investments, my 15-question Financial Assessment will help you assess where you stand and what to do next. ----- Gold prices are surging, hitting near-record highs. But is gold a smart investment, or just another speculative bet? This episode breaks down the forces driving gold's ral…

1
How practices can benefit using fractional services like a CMO with Daniel Palmer 45:36

6M ago45:36

45:36

Welcome to this episode of 20/20 Money! My guest on today’s show is Daniel Palmer. Daniel joins me back on the show to talk through a growing service and role in small businesses (optometry included), which is the Fractional C*O service. I use the * to depict the fact that this role could be Chief Operating, Marketing, Information/Technology, and y…

1
The Science of Investing and Tuning Out the Noise With David Booth (EP.194) 35:04

6M ago35:04

35:04

Want to see what you may be overlooking in your finances? Discover your biggest opportunities in just 15 questions with my Financial Assessment. ----- David Booth, founder of Dimensional Fund Advisors, joins me to discuss how academic research transformed investing by challenging Wall Street’s stock-picking culture. We explore why markets function …

1
Making good decisions (and avoiding costly mistakes) when purchasing optometry equipment w/ Rick Norwood 47:30

6M ago47:30

47:30

Welcome to this episode of 20/20 Money! My guest on today’s show is Rick Norwood, founder & President of Norwood Device & Diagnostics. Rick joins me on the show to talk through an often-discussed topic in practice ownership, and that is the responsible purchasing of equipment. We talk through how practice owners should evaluate various suppliers, t…

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