Built For Life, Not Just Wealth

Hosted by Ryan Burklo & Alex Collins

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Episodes

378

Latest episode

Oct 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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October 26, 202621 min

Episode 376 - You Can't Pick Your Decade: Why Chasing the Highest Rate of Return Misses the Point

Built For Life, Not Just Wealth is the podcast from Ryan Burklo and Alex Collins of Quantified Financial Partners in the Greater Seattle area. Earlier episodes were published as Beer & Money and Holistic Finance. In this week's episode of Built For Life Not Just Wealth, Ryan Burklo discusses the pitfalls of chasing high investment returns and emphasizes the importance of a flexible, well-structured financial plan that adapts to different market environments. He highlights how experience, timing, and planning are crucial for long-term financial success. Chasing high returns can lead investors to take on unnecessary risk or make decisions based on short-term performance. A flexible plan helps keep long-term goals in focus while allowing adjustments as markets and personal circumstances change. 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 #investmentstrategy #financialplanning #riskmanagement #diversification #marketcycles #retirementplanning #sequenceofreturns #liquidity #flexibility #investingphilosophy Key Topics The fallacy of average returns and experience versus averages The impact of market cycles and timing on investment outcomes Why the highest expected return isn't always the best choice The concept of regret risk and emotional decision-making in investing The importance of a flexible financial plan that adapts to different environments Diversification's true purpose: reducing dependence on a single outcome The dangers of chasing performance and abandoning strategies The role of liquidity, cash flow, and income planning in long-term success The significance of sequence of returns risk in retirement Building a resilient balance sheet to withstand market downturns Chapters 00:00 Investors' focus on maximizing returns is misguided 02:28 Historical asset class performance over different decades 05:40 The problem with chasing the highest expected returns 08:11 Same strategy, different outcomes depending on timing 10:21 Sequence of returns risk and its impact on retirees 12:44 Building flexibility into your financial plan 15:37 Diversification as an acknowledgment of the unknowable future 17:21 Shifting focus from chasing returns to building security 18:26 The role of liquidity, cash flow, and planning in success

October 19, 202611 min

Episode 375 - The Financial Rules You Never Questioned

Built For Life, Not Just Wealth is the podcast from Ryan Burklo and Alex Collins of Quantified Financial Partners in the Greater Seattle area. Earlier episodes were published as Beer & Money and Holistic Finance. In today's episode of Built For Life Not Just Wealth, Ryan Burklo explores how our financial beliefs are often unexamined and how questioning these beliefs can lead to better financial decisions and a more fulfilling life. By examining the stories and assumptions that shape our relationship with money, he offers listeners a fresh perspective on building financial confidence. The show encourages thoughtful reflection and practical changes that can support greater freedom, purpose, and peace of mind. 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 #financialbeliefs #financialplanning #moneymindset #financialadvice #personalfinance #financialgoals #financialbehavior #moneypsychology Takeaways Many financial beliefs are accepted without testing their relevance to personal goals. Good general advice can become a limiting rule if not aligned with individual objectives. Questioning the purpose behind financial habits can reveal better strategies. Financial success often requires adapting beliefs as life circumstances change. A structured set of questions can help clarify and optimize financial beliefs. Chapters 00:00 Introduction to the power of financial beliefs 02:22 Understanding the problem a financial belief aims to solve 04:22 Aligning financial decisions with personal objectives 07:35 The importance of verifying if beliefs serve your goals 08:17 Encouragement to question underlying financial beliefs 08:44 Closing thoughts and resources

October 12, 202614 min

Episode 374 - You Can Compound Money. You Cannot Compound Thursday Night.

Built For Life, Not Just Wealth is the podcast from Ryan Burklo and Alex Collins of Quantified Financial Partners in the Greater Seattle area. Earlier episodes were published as Beer & Money and Holistic Finance. In this week's episode of Built For Life Not Just Wealth, Ryan Burklo explores the true cost of work and wealth, emphasizing the importance of time with family over accumulating more wealth. He challenges the "one more year" mindset and offers practical decisions to prioritize presence and life satisfaction. The conversation invites listeners to reconsider what financial success really means and whether their goals align with the life they want to live. By focusing on intentional choices, Ryan shows how people can build a future that values meaningful experiences, relationships, and personal fulfillment. 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 #financialplanning #timewithfamily #wealthmanagement #lifebalance #retirement #opportunitycost #financialindependence #personalfulfillment #work-lifebalance #lifesatisfaction Key Topics The real opportunity cost of working extra years How wealth affects time with family The 'one more year' mindset and its impact Decisions to buy back time and presence The importance of defining what 'enough' means The role of financial plans in allocating time, not just money The emotional and practical costs of workaholism Strategies for prioritizing family and life satisfaction Chapters 00:00 Introduction: The true challenge of wealth and time 02:04 The reliance on cash flow despite having wealth 04:18 The importance of allocating presence, not just money 06:22 The real cost of extra work: two summers with family 08:01 Knowing what 'enough' truly means 08:28 Buying time on purpose: reducing work hours 09:25 Mapping out time with family and its importance 10:15 The fleeting nature of family time and personal reflection 10:45 The importance of presence over inheritance 11:12 Closing thoughts: living intentionally and sharing value

October 5, 202614 min

Episode 373 - Are You Training Yourself to Worry ?

Built For Life, Not Just Wealth is the podcast from Ryan Burklo and Alex Collins of Quantified Financial Partners in the Greater Seattle area. Earlier episodes were published as Beer & Money and Holistic Finance. In today's episode of Built For Life Not Just Wealth, Ryan Burklo explores the psychological aspects of financial stress and the importance of training your mind to achieve true financial independence and peace of mind. He examines how fear, limiting beliefs, and emotional habits can influence financial decisions and long-term well-being. By developing greater mental clarity and intentionality, individuals can build a healthier relationship with money and create lasting confidence in 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 #financialstress #neuroplasticity #financialindependence #worry #mentalhealth #retirementplanning #stressmanagement #financialsecurity #mindset #success Takeaways Repeated stress may reinforce stress, making worry a habit. Success behaviors like worrying and overpreparing can become counterproductive. Building a resilient financial plan involves mental training, not just numbers. Feeling secure is a psychological state, not just a financial one. Consistent mental training is necessary to change worry patterns. Chapters 00:00 Ryan introduces the concept of neuroplasticity and stress reinforcement 02:20 The tension between behaviors that create success and their long-term effects 04:29 The difference between having enough and feeling secure 05:26 Four questions to audit your worry patterns 06:48 Practicing what you worry about and its impact 07:55 Repetition in neuroplasticity and its role in worry and success 09:22 The concept of psychological independence from money 10:19 Controlling what can be controlled and the importance of mental training 11:02 The risk of spending a lifetime waiting for someday 11:30 Closing thoughts and resources for ongoing support

September 28, 202614 min

Episode 372 - AI Gave Me Financial Advice. Then I Checked the Math

Built For Life, Not Just Wealth is the podcast from Ryan Burklo and Alex Collins of Quantified Financial Partners in the Greater Seattle area. Earlier episodes were published as Beer & Money and Holistic Finance. In this episode of Built For Life Not Just Wealth, Alex Collins explores the capabilities and limitations of AI in financial planning, emphasizing the importance of proper prompting, verification, and human oversight to avoid pitfalls. He also shows how small errors or unchecked assumptions can quickly create big consequences in high-stakes financial decisions. 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 #AI #financialplanning #prompts #verification #financialliteracy #portfoliomanagement #retirementplanning #AIblindspots #financialadvice #tools Takeaways Prompts significantly influence AI outputs in financial planning. Always verify AI recommendations with trusted sources. AI struggles with complex calculations and personalized advice. Use AI as a supplementary tool, not a sole decision-maker. Financial literacy is crucial to interpret AI outputs effectively. Chapters 00:00 Introduction to AI in Financial Planning 02:24 Blind Spots in AI Math and Strategy 03:05 Case Study: Retirement Portfolio Shift 04:03 The Impact of Small Errors in AI Calculations 05:00 AI's Inability to Fully Replace Human Expertise 07:03 The Need for Financial Literacy and Oversight 08:20 Risks of Over-Reliance on AI 09:19 Using AI to Find Financial Advisors 10:26 AI as a Tool, Not a Replacement 11:12 Encouragement to Use AI Responsibly

September 21, 202610 min

Episode 371 - What Do You Want That Is Keeping You From What You Want?

Built For Life, Not Just Wealth is the podcast from Ryan Burklo and Alex Collins of Quantified Financial Partners in the Greater Seattle area. Earlier episodes were published as Beer & Money and Holistic Finance. In today's episode of Built For Life, Not Just Wealth, what if the thing blocking your financial progress is just one tiny word? Ryan Burklo reveals why the difference between saying "but" and "and" can expose the real tension behind your money goals - whether you want to build wealth, retire earlier, help your kids, or keep your lifestyle exactly the same. If you've ever felt stuck trying to want two good things at once, this episode gives you a better way to name it. Ryan breaks down how "and" changes the conversation from wishful thinking to honest trade-offs. Instead of forcing yourself to pick one goal too early, you'll learn how to identify competing priorities, test whether both can actually be true, and understand what has to change if they can't. 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 #goalsetting #financialplanning #lifebalance #SethGodin #mindset #personaldevelopment Takeaways Using 'and' instead of 'but' reveals competing goals that need reconciliation. Recognizing your 'and' helps create more realistic and achievable plans. Asking three key questions can clarify whether goals are possible and what trade-offs are involved. Understanding the tension between goals can lead to better decision-making. Writing down your conflicting desires makes it easier to address them intentionally. Chapters 00:00 Introduction to the 'And' Concept 02:02 The Role of Tension in Planning 04:33 Building a Plan for Multiple Goals 05:19 Practical Steps to Clarify Your 'And' 06:13 Key Questions to Ask Yourself 07:03 Final Thoughts and Takeaways

September 14, 20269 min

Episode 370 - Let Them Learn While the Stakes Are Small

In this week's episode of Built For Life Not Just Wealth, Ryan Burklo shares a personal story about teaching his son financial responsibility through real-life experience, emphasizing the importance of allowing small mistakes to foster learning and independence in financial decision-making. He explains that giving kids guided exposure to money management helps them understand the connection between spending, cash flow, and consequences in a way lectures alone can't. Ultimately, he argues that the goal isn't to prevent every mistake, but to prepare kids to recognize, learn from, and adjust their financial choices over time. 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 #financialresponsibility #parenting #moneylessons #experientiallearning #financialeducation #youthfinance #decisionmaking #lifeskills #moneymanagement #teachingkidsaboutmoney Key Topics The importance of experiential learning in financial education Allowing kids to make small mistakes to learn bigger lessons The difference between knowing and experiencing about money Teaching kids to understand cash flow and decision consequences The goal of raising responsible adults, not perfect kids The role of parents in fostering financial independence Using real-life situations to teach financial responsibility The importance of decision awareness and reflection in money management Chapters 00:00 Introduction to teaching kids financial responsibility 01:48 Pride in kids learning independently 04:01 The value of small mistakes before big ones 06:12 Building decision awareness for future independence 06:41 Summary: Building responsible adults, not perfect kids 06:55 Closing thoughts and resources

September 7, 202616 min

Episode 369 - Will Your Plan Survive a Bad Year?

In this week's episode of Built For Life Not Just Wealth, Ryan Burklo discusses how to build a resilient financial plan that can withstand unexpected setbacks and market volatility, emphasizing the importance of liquidity, realistic risk assessment, and decision-making flexibility. He also highlights the value of preparing for multiple outcomes, so you're not forced into reactive choices when conditions change. By keeping your plan adaptable and stress-tested, you can stay confident and avoid making emotional decisions during uncertainty. 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 #financialplanning #resilience #liquidity #riskmanagement #marketvolatility #financialindependence #emergencyfund #decision-making #liferisks Takeaways A bad year can force bad decisions if your liquidity is insufficient. Building resilience involves understanding what could realistically go wrong. Access to cash allows for more risk-taking and flexibility. A resilient plan provides choices when things go wrong. Risk isn't just about bad things happening, but about having no choices. Chapters 00:00 Introduction: Why resilience matters in financial planning 01:54 The myth of a smooth financial journey 04:05 The importance of liquidity and access to cash 05:52 Identifying vulnerabilities in your financial plan 09:08 Decisions forced by income loss and market downturns 10:56 Building resilience without sacrificing upside potential 12:05 What part of your plan worries you most? 13:05 Conclusion: Creating a financial life built for life

August 31, 202615 min

Episode 368 - Are You Saving For a Life You Forgot to Live?

In this week's episode of Built For Life Not Just Wealth, Ryan Burklo shares a deeply personal story about his brother's battle with cancer and how it reshaped his perspective on life and financial planning. This episode explores balancing living for today with preparing responsibly for tomorrow. 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 #financialplanning #livingfortoday #futuresecurity #personalstory #lifelessons #balance #liquidity #riskmanagement #familyvalues #motivation Takeaways You can't sacrifice your entire present for a future that's not guaranteed. Planning for tomorrow is important, but so is living today. Understanding your cash flow and liquidity is crucial for financial freedom. Balance responsible planning with enjoying life in the moment. Personal stories can deeply influence and improve financial advice. Chapters 00:00 Introduction to the episode and Ryan's core message 02:02 Brent's fight with cancer and its impact on his dreams 04:58 The moment Brent saw a plane and expressed his longing to fly 07:11 Common financial mistakes: living entirely for today or tomorrow 08:17 How understanding what you value helps in responsible living 09:15 The question of affordability versus impact on future security 10:10 The concept of liquidity and its role in financial confidence 11:45 Core principles of financial planning: protection, liquidity, cash flow 12:15 The true purpose of planning: building and living your life 12:48 Closing thoughts and resources for listeners

August 24, 202610 min

Episode 367 - Don't Hire a Financial Advisor Until You Ask These 5 Questions

In this week's episode of Built For Life Not Just Wealth, Ryan Burklo discusses the essential questions to ask when interviewing a financial advisor, emphasizing the importance of understanding their philosophy, process, and team to ensure a good fit and successful financial planning. He also encourages listeners to look beyond credentials and focus on whether the advisor's approach aligns with their own goals, values, and communication style. That deeper alignment can make the relationship more effective and build more confidence over time. 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 #financialadvisor #interviewquestions #financialplanning #investmentstrategy #advisorfees #clientsuccess #planningprocess #teamstructure #successmeasurement Takeaways Ask about the advisor's planning philosophy to understand their approach. Understand how the advisor gets paid to identify potential conflicts of interest. Learn about the advisor's planning process to gauge their professionalism and client focus. Know who is on your advisory team and their expertise. Measure success based on your goals, not just market performance. Chapters 00:00 Introduction: Why Choosing the Right Financial Advisor Matters 01:24 Question 2: How Do You Get Paid? 02:22 Question 3: What Is Your Planning Process? 04:46 Question 4: Who Is My Advisor and Team? 06:10 Question 5: How Do You Measure Client Success? 07:07 Key Takeaways and Final Advice

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