What happens after you reach financial independence? Many assume retirement means endless relaxation, but the reality is often more complex.

How do you find meaning when career obligations no longer drive your daily routine? What brings fulfillment in this new chapter of life?

In this episode, Nicole Romito revisits a conversation with Jeff Toner, CHFC®, RICP®, Partner at Private Vista, about moving beyond the numbers to discover purpose and meaning after achieving financial independence. Jeff shares insights from nearly 40 years in financial planning, discussing the evolution from solving math problems to helping clients navigate life transitions.

He explores resources for designing your next phase, real-world examples of clients finding fulfillment, and practical approaches to climbing the “second mountain” of purpose-driven living.

Jeff discusses:

• The shift from retirement planning as a math problem to conversations about purpose and life design
• How financial independence often arrives earlier than expected, creating both opportunity and uncertainty
• Practical resources like “Designing Your Life” and “The Second Mountain” for mapping your next chapter
• Real examples of clients finding meaning through social enterprises, education programs, and service work
• Why staying curious, investing time in exploration, and maintaining connections are essential to fulfillment
• And more!

Resources:

• Estate Planning for the Sandwich Generation with Jeff Toner (Ep. 34)
• Designing Your Life: How to Build a Well-Lived, Joyful Life by Bill Burnett and Dave Evans
• The Second Mountain: The Quest for a Moral Life by David Brooks

Connect with Nicole Romito:

• LinkedIn: Nicole Romito
• MyPrivateVista.com
• info@myprivatevista.com
• Call: 312-831-4370

Connect with Jeff Toner:

• LinkedIn: Jeff Toner
• MyPrivateVista.com
• Call: 312-831-4370

About Our Guest:

Jeff Toner, CHFC®, RICP®, Partner at Private Vista, now almost 40 years into his career, has the luxury of looking backward and reflecting on the journey he has been on. Back in 1984, he didn’t know what a fiduciary was or what a financial planner did. What he did know was he wanted to help people with their finances and achieve their goals in life. He wanted to do it in a way that he wasn’t selling them a product but rather walking side by side with them as they moved toward their dreams. Jeff has been with them in moments of great joy and cried with them during their times of sadness. He has taught and educated them, but more importantly, he has been taught and learned from them as well.

Most women carry the weight of financial decisions while juggling careers, caregiving, and the pressure to simply “figure it out.”

In this conversation, Nicole sits down with nationally recognized money expert Terry Savage for a grounded, candid look at what women need to know at every stage of life. They unpack why time is one of your most powerful financial tools, the real impact of credit card debt, how early investing can change your future, and why long-term care planning matters more than most people realize.

What to expect from this episode:

• How to avoid the debt spiral that steals opportunities
• The power of starting small and starting early
• Why women’s financial paths include unique challenges
• How to protect yourself and loved ones later in life
• And so much more!

Resources:

• Find Terry’s books on Amazon here!
• “Friends Talk Money” Podcast

Connect with Nicole Romito:

• LinkedIn: Nicole Romito
• MyPrivateVista.com
• info@myprivatevista.com
• Call: 312-831-4370

Connect with Terry Savage:

• Terry Savage Website
• Terry@TerrySavage.com
• LinkedIn: Terry Savage

About Our Guest:

Terry Savage is a nationally recognized expert on personal finance, the economy, and the markets. She writes a weekly personal finance column syndicated in major newspapers by Tribune Content Agency.

She is the author of four best-selling books on personal finance. A new edition of her best-selling book, The Savage Truth on Money is now available on Amazon.com. The first edition was named one of the top ten money books of the year by Amazon.com. Her other recent book is: The Savage Number: How Much Money do You Really Need to Retire? She is also co-author of The New Love Deal.

Terry appears frequently on national television and radio programs, commenting on the financial markets and current economic events. She is featured on WGN Radio and WGN-TV in Chicago, with a weekly personal finance segment.

How does a kid from Louisiana with a 30-inch vertical jump become a leader in finance and coaching?

Senior Advisor Delaney Orozco joins Nicole Romito for a candid, energizing conversation about the surprising ways competitive volleyball has shaped her personal and professional path.

From the sweltering heat of Southern softball fields to Virginia Tech’s Division I courts, Delaney shares how lessons in teamwork, loyalty, and grit have built the foundation for her success at Private Vista and why coaching young athletes now feels like giving back.

What to expect:

• Why volleyball taught her to trust deeply and lead better
• How coaching helped her grow as a parent, teammate, and advisor
• The surprising way she met her husband on the court
• Real talk on time management, community, and staying inspired
• And more!

Previous Episodes of Interest:

• Empowering Your Financial Future Post-Divorce with Delaney Orozco (Ep. 59)
• Action Steps After Loss with Delaney Orozco (Ep. 45)
• Why Women Belong in the Wealth Management Industry with Delaney Orozco and Stephanie Nanney (Ep. 15)

Connect with Nicole Romito:

• LinkedIn: Nicole Romito
• MyPrivateVista.com
• info@myprivatevista.com
• Call: 312-831-4370

Connect with Delaney Orozco:

• LinkedIn: Delaney Orozco CFP®

About Our Guest:

Delaney has always had a passion for coaching others. Whether that be in sports or on their financial wellbeing, she loves being someone that people can go to for advice and help through times of adversity or times of joy. Delaney began as a mathematics major at VT and had planned to teach high school calculus and coach volleyball. As a junior, she decided she might want to do something different from teaching. She knew she could always coach as a hobby, but started her search for a career where she could help people with something that always seemed like a struggle for her own family growing up: the concept of money.

Delaney began in the financial services industry in 2015 as an Associate Advisor. Over my career, she has worked on being able to find the intersection of the day-to-day processes of the financial world and the bigger picture, planning to help clients achieve their Private Vista. She also deeply enjoys developing a guide for clients to help them navigate their psychology behind finance and the numbers they see on the page.