This episode on YouTube: https://youtu.be/WLjrMk2gBE4

Who can you trust when it comes to financial planning?

In this episode of The Last Paycheck, CFP Professionals Archie and Rob Hoxton bring some stories from their own experiences as financial planners over the years. This episode features two powerful narratives: one, a cautionary tale about the dangers of taking amateur investment advice, and another, an uplifting account of how thoughtful planning can create lasting legacies and deep personal fulfillment.

In each, the importance of relationships and trust shines through as their clients chose to take financial advice based on these. So, be careful making your financial decisions, know who to trust, and if in doubt, take the Financial Freedom Score quiz available on https://hoxtonpm.com/

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/NnY0HQjndea

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/5lQSlOODtPU

Can you save too much money? Archie and Rob say yeah, probably.

In this episode of the Last Paycheck Podcast, CFP Professionals Archie and Rob Hoxton discuss the concept of making your money truly meaningful. Drawing from their personal and professional experience, they explore why simply accumulating wealth isn't always fulfilling and how aligning your financial decisions with your core values can lead to a richer, more purposeful life.

While using some personal examples, Archie and Rob offer practical wisdom on how to build a financial plan that serves life's bigger goals, whether that's spending more time with loved ones, charitable giving, or creating a legacy.

Are you saving for a specific goal or do you have a general objective in mind? What comes after? Share your thoughts in the comments.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/NnY0HQjndea

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Do you even need a financial advisor? If yes, how do you know when to start looking for one?

In this episode of the Last Paycheck Podcast, CFP Professional Archie Hoxton and financial advisor Jimmy Such dive deep into the signs that you might be ready to work with a financial advisor.

Your financial needs will evolve, and today Archie and Jimmy discuss some of the more complex times in your life that will signal that yes, you may need a professional to help you remain successful. From getting started in your career to grappling with complex life transitions like retirement, estate planning, or navigating special financial circumstances, a financial planner may be a time and anxiety-saving solution that you've been looking for.

Whether you're growing your wealth, facing big decisions, or just starting to wonder what a financial advisor can offer, this episode offers clarity on your next steps.

Are you already working with a financial advisor? What made you sign up? Tell us in the comments.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/zd_jY-wjBQQ

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Do really tiny choices today really affect your finances in a big way in the future? The answer is yes. Really, it's the butterfly effect, but for your finances.

In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive deep into the far-reaching impact of financial decisions, both big and small, on your long-term wealth and lifestyle. They will discuss the concept of compounding, not just while investing, but in every single financial choice you make in your life.

Think about the hidden costs or value added over time when making small (and large) financial decisions, and make sure they are really worth it to the way you want to live your life.

Whether you're planning to retire early or just want to be more intentional with your money, this episode will give you some clarity on the next steps.

How often do you consider the cost or value of your financial decisions? Tell us in the comments.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/NnY0HQjndea

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/mI2Sl2gImcw

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive deep into the topic of investment risk and why understanding your true risk tolerance is essential for long-term financial success. They break down the difference between how much risk you think you're comfortable with and how much you may actually be taking, providing practical tips to help you avoid unpleasant surprises when the market takes a downturn.

The conversation explores the psychology behind investment decisions. They explain why losses tend to hurt more than gains feel good, and highlight strategies to balance risk and return, including the benefits of diversification and setting realistic expectations for both bull and bear markets.

Are you taking on too much risk? What are your strategies to curb your risk and deal with the consequences of market volatility?

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/4bmL8UyANUU

Have you ever just finished watching a reel/short/tiktok where a finance bro is trying to convince you you shouldn't ever just own your home?

Well, Rob and Archie have, and today we are discussing two of those. This type of content is alive and well online, and tends to attract a lot of followers due to the punchy, controversial takes, and convincing delivery. But you have to ask yourself, is your home an investment, or a shelter and a place to be with your family?

Renting is a viable choice, especially if you never want to settle down in one location, and real estate investment has its place in your portfolio. Still, if you're looking to settle down with your family, build your life, and create long-term memories, Rob and Archie have a different opinion. Owning your home can contribute to a stress-free life, and never underestimate the feeling of being debt-free.

And when watching viral videos online, consider if this type of advice is tailored to your life, your future, and your well-being.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Does your financial planner also have to be a fiduciary?

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and financial advisor Jimmy Such break down one of the most important topics in personal finance: finding a fiduciary financial advisor. They start by defining it, and then explaining why working with someone held to a fiduciary standard matters for your long-term financial wellbeing.

Archie and Jimmy explore tricky topics like conflicts of interest, commission-based vs. fee-only compensation, and the differences between the fiduciary and suitability standards.

If you're looking for a financial advisor, this is key basic knowledge that can make or break your financial future.

Watch this episode on YouTube: https://youtu.be/j_0JSQceU3w

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Did you revenge spend during the COVID pandemic and now you're revenge saving? Revenge saving isn't necessarily that much healthier for your finances. Today, we chat about it.

CFP Professionals Archie Hoxton and Rob Hoxton dive into the ideas of "revenge spending" and "revenge saving"—two financial behaviors that surged in popularity after COVID-19 lockdowns.

They explore how these emotional swings can disrupt your financial well-being, drawing parallels to common dieting habits. Archie and Rob break down the psychology behind these trends, share real-life examples, and offer practical strategies to maintain balance in your financial life. Whether you're feeling the urge to splurge or tighten up your budget, you'll find actionable tips like rebuilding your emergency fund, tackling debt, and setting up a "joy fund" for guilt-free spending.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.