Changing The World of Financial Planning With Joel Miller of Flames Financial

Talking Retirement

A Conversation About Accessible Financial Planning with Joel Miller, CFP

Joel Miller, founder of Flames Financial Planning, discusses his approach to making professional financial guidance accessible to middle-income Americans through flat-fee planning rather than traditional asset-based pricing models.

Episode Overview: We explore the differences between fee structures in financial planning, the challenges faced by what Joel calls the "mass affluent" demographic, and how integrated financial services can help families coordinate their investments, taxes, and estate planning more effectively.

Key Timestamps:

• 0:42 - Introduction and Guest Welcome
• 1:15 - Understanding Fee-Only Financial Planning
• 2:44 - Innovating Financial Services for the Mass Affluent
• 5:00 - Psychology of Money and Financial Habits
• 6:40 - Comprehensive Financial Services Explained
• 14:04 - Importance of Life Insurance and Estate Planning
• 17:06 - Personal Mission and Business Vision
• 20:55 - Macro-Level Changes for Financial Equity
• 30:25 - Actionable Financial Steps and Continuous Support
• 34:04 - Conclusion and Contact Information

About Our Guest: Joel Miller is a Certified Financial Planner who founded Flames Financial Planning with a mission to serve families often overlooked by traditional advisory firms. His practice offers a membership model that bundles financial planning, investment management, tax preparation, and estate planning services. Joel's approach is influenced by his faith and extensive mission work, including building houses in Mexico and leading programs in the Czech Republic and Haiti.

Connect with Joel: Website: flamesfp.com | Instagram: @joel.miller.finance

For Medicare and Life Insurance: Contact NJ Life and Health at njlifeandhealth.com or call 848-226-6897 for comprehensive Medicare and life insurance guidance.

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Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.