Get Authentic with Marques Ogden
Get Authentic with Marques Ogden

Episode 54 · 2 weeks ago

Get Authentic with Marques Ogden- Jamie Hopkins


Jamie Hopkins, ESQ., MBA, CFP® is the managing partner of wealth solutions at Carson Group, a finance professor of practice at Creighton University’s Heider College of Business and author. He is the founder and president of FinSev Foundation, a non-profit devoured to financial literacy. He’s a regular contributor to Forbes, Yahoo! Finance, MarketWatch and The Wall Street Journal. He was named a Lawyer of Distinction and elected to the prestigious role of an American Bar Foundation Fellow. He was also selected as one of the top 40 financial service professionals under the age of 40 by InvestmentNews and one of the top 40 young attorneys by The American Bar Association. He is also the author of the new book and best seller, Find Your Freedom: Financial Planning for a Life on Purpose.

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Yeah, Hello everyone, and welcome to an elite episode of the Get Of with Marcus Show. I'm your host, Marcus Ogden, and today we'll joined by my good friend executive at the Carson Wealth Group, Mr Jamie Hopkins. But we're bringing dripping up to the stage. Want to say a special thank you to one of our premier partners, the Carson Wealth Group. We've done a lot work with these guys, but with their Excel conference this year in Vegas, Mindset courses, work with them in Omaha at their corporate headquarters, will be working for them next year at Excel in Nashville, speaking on their main stage. And it's all because of my great friend who's here today with us, Mr Jamie Hopkins, the author of Rewirement and Find Your Freedom. Jamie, how you doing today, sir? I'm doing great, but I want to get one thing right. It's not because of me, It's because of you. That's why. That's why we work with you. That's why you're on stage because you're great at it, right, So don't take that away. I appreciate that, man, I appreciate that. So Jamie, quick question, what does the word authentic mean to Jamie Hopkins? That's a great question. I love that you know, your show lives that, and you know, authentic such an interesting thing because I think about what it brings up to my mind. I'll go there. So what I think about with authentic is like the different selves that you have in life and throughout your life, and that you're on this like continuum of change. Right, Like I'm slightly different person this week than I was three weeks ago. And I picked three weeks ago because and you know this, my aunt passed away three weeks ago, and there's some change that occurred to me from that process, right, Like, I'm a little bit different. So like my authentic self today is a little bit different than my authentic self was three weeks ago. And I love that notion of change and development and trying to be that authentic self and not everybody can be. And you know this, in different areas, you gotta sometimes you play a role. You play a part, right, You put on a mask and you smile, and you know, you go up on stage and there's a stage Marcus in a back room Marcus and a friend Marcus, And you know, I think that if you can really get to that like freedom message that we talk about and truly authentic. Maybe you can be pretty much the same person everywhere, And like, that's what I think about authentic, Like, can you get to that where like the dad Jamie and the work Jamie are kind of just one right as opposed to two different ones. Ladies and gentlemen, let's get real. Can you get to...

...a point where Dad Jamie worshiping are the same? You get to a point where Marcus behind stage it's Marcus on stage. Can you get to a point where you are who you are here and who you are there, where it's the same. I love that, And I also love how Jamie said he's not the same person. Three weeks ago he lost his aunt, which was horrible, and like he said, he's been able to go through that change, but he's authentic and realizing he's not the same personal because he lost me very special and I feel authenticity will develop and change as you develop and change, Jamie. Before to get into you and your books, please talk about the Carson group. I love what you all do. Ron Carson is amazing, Mary Kay yourself, work with you guys. You know you guys are a premier partner of ours. But when we speaking to ExLF looking to do things with you guys with our podcast, and now you're here talking about your we'll talk a bit about the Carson Group and what makes you all unique and special in your field. Yeah, I appreciate it, Marcus. And Yeah. One of the things that we do is, you know, we're financial planners, right, I mean, that's really at the core of what we do. When you blow it down, it's like, what does Carson do? We do financial planning for about forty five thousand families across the country, and we had about a hundred and fifty location somewhere in that ballpark. Now, so what we talked about, Omaha lot, that's our that's our home office, right, that's where the stuff in the background occurs. But what happens they in the trenches is out all across the country and people's houses, their living rooms and the offices, and it's helping people write sleep better, especially in a time like today, got crazy inflation and market volatility. Um. You know, it's a midterm election year which is going on, and you know, all that just put stress on people financially. And one of my favorite things to say is like return on sleep. It's like That's what a really good financial plan helps do, is like provides that return on sleep, so you like can go to bed not having to worry as much about money and feel that like you're you know, we talked about financial freedom that you are either on a path to that or you have it, right and it's okay not to have it, but are you on a path towards it? And that's really what we try to do. You know, we're fiduciaries. What does that esoteric word mean, right, Like, it means like it's legally required to act in client's best interest, right, So not just words, but a legal requirement to do so. And you know, our our offices that are Carson Wealth, we have CFPS all in them and the Certified Financial Planner which is kind of like the gold standard and in our industry of you know, the education and work to be a really good planner. So that's really what we focus on. Um. You know, Ron you mentioned the fantastic individual, just a visionary and was one of the first people who really started doing advisory business back in the nineties. And that's how like in our like small little world, how he kind of became famous is he started you know he he was like, Ah, the commission world and brokerage were it's there, but I'm gonna go over here and do this new thing... called advisory and advised clients on stuff instead. And um, it's funny to think that, you know, like that was new in the nineties. But this whole industry, you know, as you talk about authentic and change, has changed so much in thirty years, and we're just trying to stay at the front of it, be the most trusted in financial advice and serf households all across the country. Matthew, gentlemen, let's get real for a moment. Why I love the Carson Group and I've met Ron Carson several times, Binablo guy. A lot of you all may not know, but my father was one of the first African Americans of the Federal Homelows Bank of New York in their DC office, and my father ran the stocks and bonds room. I remember things like cuson numbers and trade cars. I remember all that stuff. Hearing Jamie say Ron was a visionary back in the nineties. He was innovated. He said, you know, there's there's brokers, and there's commission. Let me go being advised. Let me ad buys people. How many times have you all heard great people like Jamie say, great leaders who are doing well, we're innovative, they created something new, they said, you know, there's this way, I'm gonna try it that way. That is what I hope you've got from that segment. Don't sit around and follow the status quote great quote by Einstein. If you follow the crowd, you can only go as far as the crowd. If you venture off by yourself, there's no limits when you can achieve. Ron Carson did it. Jamie's doing it. I'm doing it now you can too. Thanks for sharing their own Carson. That was excellent, Jamie. Question I have for you talk about your new book, Find Your Freedom. Let's get into it, Like, what can people expect from it? What's the message, what's the the overall of check of they can expect to gain from this amazing book. Yeah, I'll happen to Find Your Freedom. A second, I think you'll like this quote where we're actually putting together a bingo card of ronis ms here coming up to so like he's got a bunch of them. But you're like, you'll like this one though, is if it's not broken, break it, right, And Ron's motto was always like you know, if it's not broken, break it and build something better, right, Like now I'll tell you, Like you know, that probably doesn't make all like the tech people feel great, you know, like if it's working in the tech world, you let it work. But uh, you know, it's just that mindset, right, it's push boundaries. And then we talk a lot. And that's kind of like even where the book is, it's an interesting book title for and a financial planning firm, Like that's our you know, that's our brand promise, right is find your Freedom. And that's an interesting you know, like you you'd imagine find your Freedom is like an outdoor store or something, right like, not a not a financial planning organization. But the more that like we think about it, it is all about that, Like it's not about the actual and espen strategy or the tax overlay that you might put on...

...something. No, those are all important, don't get me wrong. Like people need the help with that and they need to pay attention to it, but that's not the goal. Like the goal is not to die with an extra thousand dollars of tax savings, right, Like it's to accomplish something else, it's spend time with your kids, right to become an adventurer, whatever that aspiration of great father or philanthropists, um. And so we actually spend a lot of time in the book find Your Freedom about kind of defining who you are. So the authentic part, understanding your why, the core values you have, doing things like writing your own eulogy, which you know talk about being authentic is a tough thing to do. And then like are you that person? Right? Like if they, if your family and friends read that today, are you living up to you know? Who you want to be? And you have to do all that work before you go worry about your tax strategies, because all of that stuff in the planning world is coming back to achieve some goal that you're setting, and you you have to spend that time there and actually like think about it and work on it. So it's like an interesting book in the sense that like that's the whole first half of the book is all about you and figuring out who do you aspire to be? Then setting goals, and then we go into the planning promise. What does it mean to do real financial planning? Not sell a product, not selling strategy and not sell an investment or bond or stock. And it's true planning and it has to be built off that front end and creating that foundation for you and then that whole motion of like going to freedom, like freedoms at the top of that pyramid, right like the Maslow's hierarchy of need. It's up there at the top. And I've been you know, real about this too, Like I'm not close to the top, and like that's okay to be authentic about that too. Is like I'm like a two or three on a scale of one to ten on freedom. And I've got three young kids, like you know that you sometimes called me on the weekend and they're going crazy and right like and like that's okay, But like I do know that I've set where I want to go and I have aspirations and I have a plan to get there. Um. But I think sometimes people, you know, they get into the freedom thing. They hear somebody like Ron talk about it, Like Ron's up at like an eight or a nine. He's at a different spot and like that's okay too, right, Like he's he's further along in his career, he's further along financially, he's built things. He's you know, he's starting the business in eighty three, so like he's further along a scot now he's not a ten at a ten yet and that's good because it's there's more stuff to aspire to, right But uh yeah, I think that's a lot about the book. So it is a very different take. It's pretty much available everywhere, so Amazon, Barnes and Noble, at Target too, which is like a funny thing that you like, you know, you I've got like Google alerts that send me notifications when my name pops up out there in the world. And like I remember the day like it showed up in Target and I was like, huh, that's interesting, Like I had a book and Target. So, ladies and gentleman, what I got from that segment is it's okay if you're not where one of... as long as you recognize that and you have a plan to get there. That's huge. Again, what did Jamie said? The Carson Group helps you to create your plan, and your reward for working with them is more return on sleep. Because again, my first book, Chang was called Sleepless Nights because I had so many of them worrying about money and worrying about how am I gonna pay the bills, how am I gonna eat? How am I gonna take care of this? Take care of that? And it's interesting, don't want your take on this, right. I saw a statistic fifty three percent of Americans who make over two hundred fifty thousand dollars a year then paycheck to paycheck. Talk about that, because again, what I want listeners to gain is that you Carson and any type of reasonable financial plan of that, and like you said, is if the due sharing and have their client's best interests. That is a scary number. We make that kind of way pychet to paycheck? Where does that come from? And how would you and cars a group help to negate that it rans mys living like that? Yeah, I saw that stat a month or two ago whenever it came out, right, I think that one did, and I was a little bit shocked, but not terribly shocked by it. And part of it is because I know people that feel that way. Now, I think if you looked into the data that I don't know if we all agree that they're technically living paycheck to paycheck, but they feel that stress of it right. I mean probably a lot of them are maxing out four O one case another, like you know, their salary deferrals or in that group, And so you could argue, is that really I mean you're saving, you're getting by, so like you might be better than you think. But that stress level is there, right, like they're having if they think they're living paycheck to paycheck, they're having sleepless nights like they're not. They're not enjoying life to its notch right now. And a lot of that though, if you really look at what's occurring there, and that's a lifestyle creep. And you usually in most people's lives, not everybody's, you're like, you might be a little bit different because you can go do more speeches and salespeople sometimes and go sell. But if you're a teacher, um, like you're kind of fixed income, like you don't you can't just like do a whole lot more and double your income, right, So you have to work a lot of times on the expense side, and that can be sometimes scary. And people don't like budgeting. And I'm not a huge fan of like the detailed budgeting. I'm more like a big picture budget person. And I think behaviorally it's a little easier, but for some people, really detailed budgeting works. And but you have to have these conversations and then sometimes you have to figure out what your relationship with money is. If you look at some of those individuals, like they borrowed too much and they spend on things they shouldn't spend on, and they're not adding value to your life. And interestingly do talk about that in the book too, is how you spend your on he does actually impact your happiness.

And a lot of times we talked about you know, money can't buy happiness, like it can if you spend it right, Like, like the problem is like most people don't spend it right. So when you buy, when you buy a lot of stuff, right, like I don't have a lot of stuff in a hotel room, but like I don't know what I have. You're like an iPhone, right, like like buying the new iPhone whatever the new one is, Like, it's not gonna make you any happier. Like let's just be like the old one is broken, you need a new one, but that the new one is not gonna make you happier. Buying stuff does not make people happier. The things that actually does increase happiness though, um is time saving spends. So what that would mean would be like hiring somebody to know your lawn. That actually increases somebody's happiness. You're buying back time, right, like you now have time to do something else. Experiences, so the travel right, like going on vacations, stuff like that, And it doesn't just need to be big things. It can be like the stay cations like go to the you know, if you're in Charlotte, like go to you know, go you're close to Charlotte, right, like Charlotte for a night, right, Or if you're in New York, like go out to the beach for a day. Like. It doesn't have to be big expenditures, but those actually add a lot to people's happiness too. So sometimes it's like looking at those things and just right sizing your life. And I'll add one more. I know I've been talking for a while, and because I see this mistake over and over and over and over again. And I talked about this in the book too, which is gift giving and how many people over gift right, like you spend way too much money. You're buying your spouse stuff, and like you know people like this. I know people like this and they're like, you know, I buy my wife all this stuff and she just doesn't seem to appreciate any of it, right, Like we've all heard somebody say that to us. Well, the reality is like she probably doesn't want all that stuff. Like like you're like back to the other point, Like that's probably not her love language. Your love language is probably like time together or freeing, you know, like freeing up her time. But you spent money on stuff and it didn't increase her happiness, and then you felt bad about it. Now you have less money, and nobody is any happier, right, you spend it the wrong way, Like I mean, like nobody usually teaches us that stuff, Like when you get to the love language stuff um, which sounds a little like hokey when you first hear it, it's like super important stuff to know. And then like I think everybody needs to know like their spouses and probably even their kids love language. Because my mom gives a lot to me, and like every Christmas she wants to buy stuff and buy stuff and like I don't want it, and I'm like that every year we did the same thing like mom, like I don't really want to, Like if I need a new shirt, I'll go buy a new shirt, Like you don't need to buy me shirt. Um doesn't make me any happier getting it, but it does for her. Right, But we've had to like work and find different ways. Like now I've got grandkids, you buy the grandkids stuff. It's fine, but you know, but like that's all really important and that is how a lot of people, um fall behind it. That was my experience with it too, was growing up. My mom over spent around Christmas and every year the kid. I can remember the credit card bills coming afterwards, and she was stressed out because she spent too much. And it didn't make anybody happier,...

...right, Um, it wasn't the wasn't the right way to use the money. And it doesn't mean you can't gift. It doesn't mean you can't buy things, but it does mean if you're feeling that stress, what can we change to relieve that stress? And sometimes, or for a lot of times, if you're in that situation, we're gonna have more control over that spending than we are going to have on the income side. Wow is and gentlemen, no This was great, and I hope they got from that segment learn what people like and learn the value of money, Learn the value of what dollars and cents means to you. Buying gifts is not gonna be the great thing all the time doing things get your time that that could be very advantageous. Again, we are so blessed to have such a premier partner in the Carson Group. Were excited about Excel, were excited about you all getting behind our podcast. We're excited about all the things that are going on. One last question I had for Jamie. I'll let you go to your busy guy. What is one intangible asset that Carson Group possesses that people should know about to want to contact you to find out more information about possibly working Because again we all know about the market, how to read stuff all. That's what I called the tangible assets. What is one intangible asset that Carson Wealth Group possesses that people need to know about to make that phone call to get in touch with Carson today. Yeah, well, I'm not gonna do a good job on doing one, but I'll well, I do want and then I'll add some stuff to it. So I think one thing is what we I would say is care factor. It's one of our core values, right, care factor. And what that means is like we always try to put clients first. Um, it's a mindset in our boardroom and omaha, it's up above the projection TV thing up there and that's how we make decisions. And I think that's important. Uh, Then, like how do you find us, right Carson? Wealth dot Com is the easiest way. And if you do want to follow something, So there's a guy that works with us, and I think you've maybe seen him speak or at least run into some of this stuff, Ryan Dietrich, and uh, he's on our team and like I don't know, he's on Fox and NBC and everything almost every day. And that team, on our investments team, does a daily blog and they have a podcast too called Facts and Feelings. We got another podcast called Framework, which you've been on. And but those are great resources and they don't cost anything. So I think a lot of times it's you know, if you want to know if you want to work with somebody or connect with them at some point like just kind of like start to get a feel of what they say and you start to get a feel of the culture and do you fit in there and do you like them and does that align with like how you view the world, because you know, you shouldn't go like this is the total opposite of a sales thing, Like you shouldn't go hire any advisor because you see them one time on TV. You're one person recommends them like... you know, go talk to them and sit down and you know, we'll do a complimentary like plan review if you have one, and so they'll just give you that second opinion. It doesn't cost anything, And that's all about building up that level of trust. The same thing with the blogs and the podcast. It's like get to know us before you do anything. So we have people that probably listened to us for years before they ever reach out and like that's that's fine, right, Like that's a good way to learn about somebody. Um, and I think that's a good thing to do. Ladies and gentlemen, What a phenomenal interview by my good friend top executive but the Carson Wealth Group, Mr Jamie Hopkins. And again we are so proud to have a premier partnership with the Carson Wealth Group. They're phenomenal people. Everybody from Wrong Carson to every person out that just five stars. The authentic tip of this great interview. I'm gonna use a carsonism, Ron Carson, if it's not broken breaking, there's nothing wrong with doing something new, something innovative, something fresh, because behind something new, something fresh can be great prosperity. Ron did it. Jamie's doing it. People that are successful that they work with are doing it. You can do it too. Again, don't be afraid of failure. Failure is part of the process. Learn from it and a just pivot. That's where it counts. Now again, thank you so much for the premier partnership of the Carson Wealth Group for working with our brand. We're so excited about three from Excel Nashville to all the things they have coming up, just phenomenal. And again, I've read Rewirement by Jamie Hopkins. Great book. It's gonna make a thing about money a whole lot differently. Pick up Find Your Freedom Today. Jimmie has a ton of knowledge. That book will help you figure out what money means to you and how to find your freedom. Again, this was Marcus out there, the host of them get off into with Marcus Show. Thanks for tuning in. Have a great day,.

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