Built For Life, Not Just Wealth

Hosted by Ryan Burklo & Alex Collins

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Episodes

359

Latest episode

Jun 2026

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EN-US

About the show

Built For Life, Not Just Wealth is a podcast for high-income professionals, business owners, and families who want more from money than just bigger numbers. Hosted by financial planners Ryan Burklo and Alex Collins of Quantified Financial Partners, it shows how to use money as a tool to build a life of freedom, purpose, and confidence. Episodes cut through traditional advice to deliver real-talk on cash flow, equity comp, taxes, investing, and big decisions—tied directly to what matters most: time, family, health, and meaning. Real financial planning isn't about perfect spreadsheets. It's about creating a life you're proud to live. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC. OSJ: 200 SW Market Street, Suite 1850 Portland, OR 97201 (503)221-1226 PAS is a wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Quantified Financial Partners is not an affiliate or subsidiary of PAS or Guardian. Quantified Financial Partners is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. This website is intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Certain Podcasts are now historic and are for informational purposes only; the information provided was accurate at the time of recording but may no longer be current. Ryan and Alex are Registered Representatives & Investment Advisors of Park Avenue Securities, Financial Representative Guardians. Ryan's CA insurance license #OK24924, AR insurance license #15319412. Alex's CA insurance license #OH24806, AR insurance license #7264699. #8695383.1 Exp 1/28 Visit our website www.QuantifiedFinancial.com

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60 recent

June 15, 202617 min

Episode 357 - The Marshmallow Test and Your Financial Life

Ryan Burklo delves into the essential elements of building wealth, emphasizing the importance of alignment, environment, and mindset. Through engaging personal stories and practical strategies, he illustrates how these factors can significantly shift your financial life. By aligning your goals with your values, creating a supportive environment, and cultivating a positive mindset, Ryan provides a comprehensive guide to transforming your financial journey. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #BuiltForLifeNotJustWealth #wealthbuilding #financialalignment #mindset #environment #personalfinance #financialplanning #habits #identity #systems #discipline Key Topics The role of environment in financial behavior The importance of mindset and beliefs in wealth building Practical steps to create financial systems that remove decision fatigue Chapters 00:00 The Misconception of Wealth Building 02:59 The Role of Environment in Financial Success 05:55 The Importance of Alignment in Financial Goals 09:09 Identity and Accountability in Wealth Building 12:07 Defining Your Financial Future

June 8, 202614 min

Episode 356 - How To Buy Your Time Back

In this episode of Built For Life Not Just Wealth, Ryan Burklo delves into the art of reframing your financial plan to prioritize gaining control over your time and life. He emphasizes the importance of cash flow management, protective strategies, and creating optionality in your financial decisions. By implementing effective decision-making filters, Ryan guides listeners on how to align their financial goals with their personal values, ultimately leading to a more fulfilling and balanced life. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Episode 186 link: https://beerandmoney.libsyn.com/episode-186-do-you-have-a-wealth-building-account #BuiltForLifeNotJustWealth #financialplanning #controlovertime #cashflow #insurance #optionality #decisionfilters #lifedesign #wealthmanagement Key Topics Cash flow as control over your life Protection through insurance and estate planning Building assets for optionality and flexibility Decision filters to align financial choices with life goals Chapters 00:00 The Real Risk in Financial Life 02:49 Reversing the Loss of Time 05:50 Four-Part Framework for Financial Control 09:03 Building Optionality and Flexibility 12:00 Actionable Steps for Financial Freedom

June 1, 202613 min

Episode 355 - Hidden Time Traps

In today's episode of Built For Life Not Just Wealth, Ryan Burklo delves into the often-overlooked time traps that can subtly undermine your financial well-being and influence your life decisions. In this insightful episode, he explores the concepts of lifestyle creep, career drift, and the pitfalls of short-term decision-making. By shedding light on these common challenges, Ryan offers practical strategies and actionable insights to help you regain control over your financial future. Learn how to build lasting wealth and make informed choices that align with your long-term goals. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Episode 186 link: https://beerandmoney.libsyn.com/episode-186-do-you-have-a-wealth-building-account #BuiltForLifeNotJustWealth #financialplanning #lifestylecreep #careerdrift #decision-making #wealthbuilding #timemanagement #financialfreedom Key Topics Lifestyle creep and its impact on wealth Career drift and loss of control Short-term decision-making and emotional reactions Chapters 00:00 The Hidden Risks of Lifestyle Creep 02:52 Understanding Career Drift and Its Consequences 05:59 The Dangers of Short-Term Decision Making 08:51 Identifying Personal Values and Priorities

May 25, 202610 min

Episode 354 - The Risk No One Talks About: Time Risk

In this week's episode of Built For Life Not Just Wealth, Ryan Burklo delves into the intriguing concept of time risk in the realm of wealth building. He emphasizes that financial decisions are, at their core, decisions about time. Throughout the discussion, Ryan explores strategies to optimize control over one's time, highlighting the importance of proactive rather than reactive decision-making. He provides insights into aligning financial choices with personal goals, ultimately guiding listeners toward building a life that reflects their true aspirations and values. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #BuiltForLifeNotJustWealth #wealth #timerisk #financialplanning #controlovertime #lifestyle #investmentstrategy #financialindependence Key Topics Time risk in wealth building The true goal of money is control over time Common mistakes in financial decision-making The importance of flexibility and long-term thinking Building a life aligned with personal goals Chapters 00:00 The Value of Time in Wealth Building 02:52 Understanding Time Risk and Financial Decisions 05:58 Building a Life of Freedom and Optionality

May 18, 202613 min

Episode 353 - The Millionaire's Paradox

In this episode of Built For Life Not Just Wealth, Ryan Burklo delves into the intriguing paradox of why many high-net-worth individuals often feel financially constrained despite their growing wealth. He examines societal trends and spending behaviors that contribute to this phenomenon, highlighting the psychological and cultural factors at play. Additionally, Ryan emphasizes the critical importance of defining personal financial goals to achieve true financial satisfaction and freedom. Through insightful analysis, he offers listeners a deeper understanding of how to navigate their financial journeys more effectively. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Nick Maggiulli's article: https://ofdollarsanddata.com/the-upper-middle-class-trap/ #BuiltForLifeNotJustWealth #wealth #financialmindset #spendinghabits #privateschools #housing #wealthladder #control #value #financialadvice Key Topics Wealth explosion and increased competition The wealth ladder and spending categories The winner's curse and overbidding Perceived value versus actual value in education and lifestyle The importance of financial clarity and control Chapters 00:00 The Millionaire Paradox: Why Wealth Feels Insufficient 09:51 Rethinking Value: The True Cost of Lifestyle Choices

May 11, 202656 min

Episode 352 - Retirement Planning & Taxation: A Conversation with Bob Kievet

In this episode of Built For Life Not Just Wealth, Ryan Burklo interviews Bob Kievit, a seasoned retirement planning expert, to explore strategies for optimizing wealth, minimizing taxes, and ensuring a secure income stream in retirement. They discuss the importance of deliberate asset structuring, tax management, and strategic distribution to achieve financial independence. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #BuiltForLifeNotJustWealth #retirementplanning #taxstrategies #wealthmanagement #incomestreams #assetallocation #financialindependence #taxminimization #legacyplanning Key Topics Importance of strategic asset location and allocation Tax-efficient withdrawal strategies The impact of asset location on effective tax rates Chapters 00:00 Introduction and Guest Credibility 01:23 Focus on Income Streams, Not Just Asset Growth 02:11 Industry Evolution and Results in Financial Planning 04:24 The Six Critical Factors in Retirement Planning 05:55 Protection and Future Wealth Strategies 08:00 Maximizing Cash Flow in Retirement 09:23 Tax Strategies and Asset Location 12:37 The Importance of Asset Location and Pie Charts 14:44 Real Estate and Business Exit Planning 18:21 Retirement Accounts and Tax Implications 23:11 Understanding Tax Brackets and Effective Tax Rates 36:30 Managing Asset Allocation and Liquidity 38:08 The Impact of Market Corrections and Market Risk 39:08 The U.S. Tax System and Marginal Tax Brackets 42:55 Managing Effective Tax Rates in Retirement 45:29 Structuring Wealth for Optimal Tax and Cash Flow 46:20 The Future of Wealth and Retirement Planning 47:23 Asset Shifting and Strategic Repositioning 50:12 Distribution Strategies in Retirement 53:22 Closing Remarks and Resources

May 4, 202616 min

Episode 351 - Unmasking Banksy: Lessons for Financial Advisors

In this episode of Built For Life Not Just Wealth, hosts Ryan Burklo and Alex Collins delve into the critical role of personal connection and intimacy within the realm of financial advising. Drawing inspiration from the recent unmasking of the enigmatic street artist Banksy, they explore how these elements can transform the advisor-client relationship. By truly understanding and aligning with clients' core values and life experiences, financial advisors can craft more tailored and effective financial plans. This approach not only enhances the quality of financial advice but also fosters deeper, more meaningful relationships with clients, ultimately leading to greater trust and satisfaction. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #BuiltForLifeNotJustWealth #financialadvising #clientrelationships #intimacy #Banksy #personalvalues #financialplanning #clienttrust #emotionalconnection Key Topics The significance of intimacy and personal connection in financial advising How Banksy's unmasking relates to transparency and trust The importance of understanding client values and experiences The role of emotional intelligence in financial planning The limitations of AI in understanding unique client situations Chapters 00:00 Introduction and Context 01:03 The Unmasking of Banksy 03:52 Intimacy in Financial Planning 07:33 Understanding Client Values 10:56 The Role of Advisors in Client Success 12:53 Building Trust and Emotional Connection

April 27, 202613 min

Episode 350 - Can I Retire?

In this episode of Built For Life Not Just Wealth, Ryan Burklo provides an insightful discussion on retirement readiness by examining a sample client's financial situation to determine their potential to retire within the next five years. Ryan delves into crucial financial metrics that are essential for evaluating retirement plans. He also highlights various risk factors that could impact financial stability and shares effective planning strategies. These elements are aimed at equipping listeners with the tools and knowledge necessary to evaluate their own retirement prospects and make informed decisions about their financial future. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #BuiltForLifeNotJustWealth #retirementplanning #financialindependence #retirementcalculator #wealthmanagement #financialadvice #retirementreadiness #investmentstrategy Takeaways A detailed look at a sample client's balance sheet reveals key insights into retirement readiness. The 4% rule is a common guideline for sustainable withdrawal rates in retirement. Social Security can significantly impact retirement income planning. Market variability and sequence of return risk are critical considerations for retirees. Holistic planning includes taxes, estate planning, liquidity, and protection strategies. Chapters 00:00 Introduction to Retirement Planning 01:24 Analyzing a Sample Client's Financial Situation 05:46 Understanding Income Streams and Retirement Readiness 09:00 The Importance of a Financial Scorecard

April 20, 202614 min

Episode 349 - The Essentials of Financial Planning

In this episode of Built For Life Not Just Wealth, Ryan Burklo delves into the multifaceted framework of wealth, highlighting the importance of not just investments, but also the critical roles of income, purpose, and strategic planning. In this episode, listeners will discover how to effectively align their financial lives with their personal values and long-term goals. By understanding and implementing these principles, you can achieve lasting success and financial well-being. Ryan provides insights and practical advice on how to navigate the complexities of wealth management, ensuring that your financial strategies are both purposeful and aligned with what truly matters to you. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #BuiltForLifeNotJustWealth #wealth #income #financialplanning #purpose #protection #investment #legacy #retirement #financialresilience Key Topics The role of income and purpose in wealth building The four acts of money: spend, save, invest, donate Protection strategies for income stability Wealth creation and the power of discipline and stability Retirement planning and managing sequence of return risk Chapters 00:00 The Financial Landscape: Income vs. Wealth 02:51 The Four Acts of Money: Spending, Saving, Investing, Donating 05:41 Wealth Creation: Stability and Discipline in Income 08:41 Protecting Your Income: The Importance of Financial Resilience 09:41 Wealth Distribution: Turning Assets into Income 10:50 Legacy Planning: Directing Your Wealth

April 13, 202616 min

Episode 348 - When the World Gets Loud, Go for a Walk

In this episode of Built For Life Not Just Wealth, Ryan Burklo delves into the pervasive impact of the modern world's relentless noise on various aspects of our lives, including mental health, relationships, and financial stability. He offers personal insights and experiences on how to navigate the challenges of information overload and social comparison. Additionally, Ryan emphasizes the importance of maintaining focus through intentional living and incorporating physical activity into daily routines as a means to counteract these pressures. Check out our website: https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #BuiltForLifeNotJustWealth #mentalhealth #informationoverload #socialmedia #financialplanning #intentionalliving #resilience #physicalhealth #stressmanagement Takeaways Limit notifications to reduce stress and distraction Use walks and physical activity to foster meaningful conversations Create filters to avoid drowning in modern life's noise Align your life with your values and desired future Chapters 00:00 The Importance of Quality Thoughts 04:12 Navigating Information Overload 11:13 Building a Life of Intentionality