In this episode of Healthy Team, Healthy Business, we speak with Michael Scarpati, co-founder of RetireUS, to talk about the dirty truth behind the financial services industry — and what you can do about it.

✅ Learn how 95% of financial advisors aren't legally required to act in your best interest.
✅ Discover the new subscription-based model bringing fiduciary guidance to small investors.
✅ Why having a 401(k) or brokerage account doesn’t mean you're financially healthy.
✅ The #1 blind spot most people have about retirement (and how to fix it now).
✅ The surprising connection between financial wellness and physical health.

If you've ever felt confused, skeptical, or underserved by traditional financial advisors, this conversation will completely reframe how you think about money, risk, and your future.

🔑 Key Topics Covered

• The hidden flaw in most financial advice models
• What it really means to work with a fiduciary
• How to set meaningful financial goals
• The “financial red flags” most people don’t know they have
• Why protecting your money is more important than chasing growth

Mike Scarpati is a financial strategist, educator, and co-founder of RetireUS — a tech-enabled platform that gives everyday Americans affordable access to fiduciary financial planners without asset minimums.

🌐 Learn more: https://retire.us

📣 Connect With Us

• Instagram: @healthyteamhealthybiz
• LinkedIn: Josh Phelps | Healthy Team, Healthy Business Podcast

financial wellness, fiduciary advisor, retireUS, financial health, personal finance advice, how to plan for retirement, independent financial advice, financial literacy, financial planning podcast, money mindset, healthy team podcast

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In this episode of the Healthy Team Healthy Business podcast, we’re joined by Dr. Torkil Færø, Norwegian general practitioner, emergency physician, author of the best-selling book The Pulse Cure, and expert in heart rate variability (HRV) and wearable health tech.

Dr. Færø explains how HRV is one of the most powerful biomarkers we have for understanding the body's response to stress, sleep, food, alcohol, exercise, and more. Using wearables like the Garmin watch, Oura Ring, and WHOOP band, he shares how everyday people—and especially business leaders—can leverage HRV data to make better lifestyle decisions, prevent chronic illness, and improve energy, resilience, and performance.

🔍 Topics We Cover:

• What is heart rate variability (HRV) and why it matters
• The autonomic nervous system and how HRV reflects its balance
• Why alcohol, late meals, and even chili might be tanking your recovery
• The surprising impact of wearables on personal and team health
• How HRV data reveals stress you didn’t even know you had
• Using continuous glucose monitors (CGMs) and HRV together for insight
• How employers can use wearable tech to create healthier, higher-performing teams

🛠 Tools & Wearables Mentioned:

• Garmin Watches (recommended for HRV tracking)
• Oura Ring
• WHOOP Band
• CGMs (Continuous Glucose Monitors)

📚 Resources:

• The Pulse Cure by Dr. Torkil Færø (available in English on Amazon)
• Dr. Færø on Instagram: @drtorkil
• Website: www.thepulsecure.com
• Torkil Færø (@dr.torkil) • Instagram photos and videos

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Episode 69 – Drink Like Nature: Gut Health, Kombucha, and the Power of Fermentation with Joan Karp

In this deliciously insightful episode, we welcome Joan Karp, founder of Keystone Cultures, a Pennsylvania-based fermented beverage company helping people “drink like nature.” Joan joins us to share her journey from backyard brews to being a farmers market favorite, with a mission rooted in one simple truth: you are nature.

We dive deep into the microbial magic of kombucha and water kefir, how they support the gut-brain connection, and the real stories behind how these living beverages are changing lives — from easing acid reflux to helping people ditch diet soda and feel emotionally lighter.

This episode is for anyone curious about:

• The real health benefits of fermented drinks beyond the trend
• How kombucha is made — including what a “mother culture” really is
• Why your gut might be the most important garden you’ve never seen
• How Joan’s kombucha helped families tackle digestive issues and even supported therapy outcomes
• The difference between kombucha, water kefir, and dairy kefir — and which one might be right for you

Plus, we talk about:

• How local farm markets are helping to bring gut health to more communities
• Why barefoot meetings might just be the healthiest leadership tactic around

🧬 Mentioned in This Episode

• Keystone Cultures Co. – https://keystonecultures.com
• 📍 Get Joan’s kombucha locally at: Geraghty’s Micro Farm
• 📲 Connect with Joan: @keystonecultures.co on Instagram

🔊 Listen Now On

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