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70% of families who build wealth lose it by the second generation. Jim Bode and Vincent Savio dig into why, and share what the families who beat that statistic are doing differently.

Jim talks about what he and Crista did for their three kids before they were old enough to understand the stock market, including the simple habit they called "the investment tax." Vincent Savio walks through the Roth IRA strategy one client family used for their working teenagers, and what $200 a month looks like projected over 45 years.

They also answer the three questions they hear most from families: Is a 529 plan the right vehicle? Is it too late to fund a Roth IRA for last year? And what should my child do when they get their first job?

In this episode: → The "investment tax" and why Jim Bode started his kids investing early → Custodial Roth IRAs and why most families don't know about them → What $200/month looks like over 45 years at 8% and 10% → The Rule of 72 and what a 10-15 year head start actually means → 529 plans vs Roth IRAs and why flexibility matters → The April 15 deadline to make a 2025 Roth IRA contribution

Coming up next: The Gap Between Your Tax Return and Your Financial Plan with Ben Beck, CFP® and Garrett Murphy, April 23. Register at beckbode.com.

Read the full blog post: beckbode.com/blog/building-generational-money-habits

About the Podcast
The NoBonds Cast is a conversation-driven podcast exploring financial planning, investing, legacy, and the human side of money. Hosted by managing partners, Ben Beck, CFP®, and Jim Bode, the show is designed to help listeners think more clearly about their financial lives and the decisions that shape them.

Important Disclosure
This podcast is for informational and educational purposes only and should not be considered financial, legal, or tax advice. Views expressed are those of the hosts and guests as of the date of recording and may change. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results.

Learn More
Visit beckbode.com to learn more about our planning process or to schedule a conversation with our team.

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On February 20, 2013, Ben Beck, CFP® and Jim Bode left Merrill Lynch to start Beck Bode, an independent RIA based out of Massachusetts while also serving clients in New Hampshire and Michigan. In this special anniversary episode of NoBondsCast, they tell the full founding story for the first time.

They talk about the 5 AM game plan, walking out of Merrill Lynch, the clients who followed without hesitation, building a planning-first approach, and where they see the firm heading over the next thirteen years.

Whether you're an advisor considering independence, a business owner thinking about your next chapter, or someone who wants to understand what drives the people managing your money, this one's worth your time.

In this episode, you'll hear:

• The morning of February 20, 2013 — and what it felt like walking out
• Why their clients didn't need convincing
• How the GPS planning philosophy evolved from a game plan into a living contract
• The personal experiences that made them better advisors
• Where they see Beck Bode heading over the next thirteen years

About the Podcast
The NoBonds Cast is a conversation-driven podcast exploring financial planning, investing, legacy, and the human side of money. Hosted by managing partners, Ben Beck, CFP®, and Jim Bode, the show is designed to help listeners think more clearly about their financial lives and the decisions that shape them.

Important Disclosure
This podcast is for informational and educational purposes only and should not be considered financial, legal, or tax advice. Views expressed are those of the hosts and guests as of the date of recording and may change. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results.

Learn More
Visit beckbode.com to learn more about our planning process or to schedule a conversation with our team.

Stay Connected With Us on Socials

Instagram, Facebook, LinkedIn, YouTube

Send us Fan Mail

Most financial plans don’t break because of markets — they break when they lack clarity, structure, and intention.

In this episode of No Bonds Cast, Ben Beck, CFP® and Jim Bode discuss why progress matters more than performance, how plans drift without structure, and what it takes to build a financial plan that can adapt as life changes.

If your goals feel different than they used to, this conversation will help you think more clearly about what intentional, long-term planning actually looks like.

Start a conversation with us

About the Podcast
The NoBonds Cast is a conversation-driven podcast exploring financial planning, investing, legacy, and the human side of money. Hosted by managing partners, Ben Beck, CFP®, and Jim Bode, the show is designed to help listeners think more clearly about their financial lives and the decisions that shape them.

Important Disclosure
This podcast is for informational and educational purposes only and should not be considered financial, legal, or tax advice. Views expressed are those of the hosts and guests as of the date of recording and may change. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results.

Learn More
Visit beckbode.com to learn more about our planning process or to schedule a conversation with our team.

Stay Connected With Us on Socials

Instagram, Facebook, LinkedIn, YouTube