What happens when your broker-dealer is owned by an insurance company? You guessed it—suddenly, your “financial plan” starts looking suspiciously like a life insurance sales pitch.

In this episode of Unsolicited, we unpack the inherent conflict of interest in insurance-based broker-dealers and why it’s tough to promote real financial planning when you're expected to sell proprietary products. (Spoiler: It’s not ideal for clients—or advisors trying to do the right thing.)

We also share the origin story of our satirical mini-movie series, Truthful Mutual—a not-so-subtle jab at some of the absurdities we’ve seen in the industry. Think: truth bombs wrapped in comedy.

Now, let’s be clear: there’s nothing wrong with selling a product and being the expert in that field—if that’s what you want to do. Just don’t confuse that with comprehensive planning.

To wrap it up, we offer some candid advice to younger advisors starting out—how to build your practice with intention, integrity, and a little less corporate nonsense.

🧨 Unfiltered takes. Satirical detours. And just enough sarcasm to make compliance departments nervous.

How to get in touch with us:

Keith Wilson keith.wilson@lpl.com

Anthony Ruffalo: anthony.ruffalo@lpl.com

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

In this episode of Unsolicited, Keith and Anthony take a walk down memory lane—sharing personal stories, financial missteps, and hard-earned lessons from their 20s, 30s, 40s, 50s, and 60s. Whether you're just getting started or staring down retirement, this episode is packed with practical tips, timeless advice, and a few laughs along the way.

We talk about:

• What we wish we knew in our 20s
• The pressure and pivot points of your 30s
• Balancing growth and stability in your 40s
• Why your 50s are crunch time for retirement planning
• And how the 60s are about making it all work together

No matter where you are in your financial journey, this one’s for you.

How to get in touch with us:

Keith Wilson keith.wilson@lpl.com

Anthony Ruffalo: anthony.ruffalo@lpl.com

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

When? Where? What? How? Why?
No, this isn’t a grammar lesson—it's how we start building your retirement plan.

In this episode of Unsolicited Podcast, Me and Anthony Ruffalo dig into the real questions that matter when planning for retirement. It’s not just about the numbers. It’s about your life.

When do you want to retire?

Where are you now financially?

What does retirement even look like for you?

How do we build a plan that actually works?

And most importantly… Why? Are you retiring from something—or to something?

We talk about the emotional side of retirement, not just the spreadsheets. Because the best retirement plans start with clarity, not just calculators.

How to get in touch with us:

Keith Wilson keith.wilson@lpl.com

Anthony Ruffalo: anthony.ruffalo@lpl.com

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704