The Financial Harmony™ Podcast
The Financial Harmony™ Podcast with Dr. Preston Cherry blends real financial strategy, retirement planning, and money psychology for people who want clarity without chaos. Hosted by Dr. Cherry, CFP®, Ph.D., and financial therapist, the show delivers grounded insights on investing, taxes, and aligning money with life. Each week, Dr. Cherry shares clear, grounded insights on retirement planning, investing, tax strategy, and decision-making, alongside honest conversations about money behavior, identity, and well-being. This show helps you reduce financial stress, make confident decisions, and align your money with the life you want to live. You’ll learn how to invest smarter, spend without guilt, and build wealth that reflects your values, not just your numbers. No finance-bro energy. No rage-based hot takes. No performative advice. Just calm authority, psychological insight, and real financial guidance for navigating markets, transitions, and life with intention. Get 1:1 all-inclusive flat-fee financial planning, or go deeper through the Financial Harmony™ Membership for group-based fiduciary guidance, education, workshops, and community. Live your wealth, your way.
Episodes
Is paying a financial advisor 1% too much?
It’s one of the most common questions people ask before hiring an advisor—and one they often revisit after they start paying the fee.
In this episode, Dr. Preston Cherry breaks down:
- What a 1% AUM fee actually costs over time
- Why fees increase automatically as portfolios grow
- Where mistrust in financial advice comes from
- The differences between AUM, flat fee, fee-only, and advice-only models
- ...
If trust erodes, your money feels it.
Markets depend on it. Institutions rely on it. Your financial future is built on it.
In this conversation, Dr. Preston Cherry and George Kinder examine why courage, not algorithms, will determine whether trust holds or collapses.
👉 Take the Retirement Alignment Scorecard:
https://concurrentfp.typeform.com/genx-scorecard
This episode moves beyond traditio...
AI isn’t the dystopia. Misvaluing the human elements is.
After an AI announcement from Altruist introducing advanced tax planning automation, wealth management stocks like Charles Schwab, Raymond James, and LPL Financial fell sharply. The narrative formed quickly: AI is replacing financial advisors.
That interpretation misses something deeper.
In this episode of Financial Harmony™, Dr. Preston Cherry interprets what the AI disruption ...
In this episode of the Financial Harmony™ Podcast, Dr. Preston Cherry explores how many of today’s most debated financial choices are less about tactics and more about managing exposure to the unknown.
It’s the tension between reacting and preparing.
- Bitcoin shifts aren’t just portfolio moves. They reflect how investors respond to economic instability.
- Mortgage prepayment isn’t only about interest rates. It can be an attempt to re...
Gen X followed the rules.
Work hard.
Max the plan.
Delay gratification.
Trust the system.
And yet retirement feels fragile, spending feels wrong, and confidence in institutions keeps eroding.
This episode isn’t about interest rates.
It’s about what happens when a generation does “everything right” and still ends up boxed in. When retirement accounts solved accumulation but killed flexibility. When policy feels political, no...
High earners are often told they’ll be in a lower tax bracket in retirement.
For executives and business owners, that promise rarely holds up.
In this episode of the Financial Harmony™ Podcast, Dr. Preston Cherry breaks down why retirement taxes are often higher—and more complex—than people expect. While income may decline, taxable income often doesn’t, due to RMDs, taxable Social Security, Medicare IRMAA surcharges, and capital...
🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
Want confidence that your retirement plan ACTUALLY works? Get it inside my Financial Harmony™ membership ($115/month) 👉 https://www.concurrentfp.com/financial-harmony-membership/
Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.c...
🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
Want confidence that your retirement plan ACTUALLY works? Get it inside my Financial Harmony™ membership ($115/month) 👉 https://www.concurrentfp.com/financial-harmony-membership/
Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.c...
🚨 Gen X, older millennials & pre/early retirees, with $250k+ household income and $500k+ assets... Are you ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
Want confidence that your retirement plan ACTUALLY works - without paying $6K+ a year? Get it inside my Financial Harmony™ membership for just $115/month 👉 https://www.concurrentfp.com/financial-harmony-membe...
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
Take the Gen X Retirement Readiness Quiz 🚨 https://concurrentfp.typeform.com/genx-scorecard
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Healthcare is the sleeper cost that can quietly delay retirement by 3+ years. In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, Founder of Concurrent Wealth Manageme...
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
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Roth conversions can be a tax win - or an expensive mistake.
In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, Founder of Concurrent Wealth Management) shows exactly when conversions work, when they don’t, and how to size yours without tripping Medicare IRMA...
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
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Most retirement plans obsess over how long you’ll live (lifespan) and miss the years you’ll live well (healthspan).
In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, Founder of Concurrent Wealth Management) shows Gen X how to plan for the years you’re health...
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
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57% of Gen Xers regret not starting retirement savings earlier - but that’s not the only miss.
In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, Founder of Concurrent Wealth Management) breaks down the 5 most common money regrets derailing Gen X - and shows...
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
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Is “wait until 70” always best? Not for every Gen Xer. In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, Founder of Concurrent Wealth Management) breaks down 3 smart reasons Gen X might want to claim Social Security at 62 - and when it doesn’t make sense. You’ll see ...
Want a clear answer on retiring at 50 vs 60 with $1.5M? Book a free retirement readiness call 👉 https://www.concurrentfp.com/
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Is $1.5M enough? In this data-driven case study, Dr. Preston Cherry (Financial Planning Ph.D., Top 10 Investopedia Advisor, Founder of Concurrent Wealth Management) breaks down two real scenarios: retiring at 50 and at 60 - using realistic spending, taxes, and market assumptions. You’ll see h...
In this conversation, Dr. Preston Cherry breaks down a side of retirement most people overlook: the emotional shift. It’s not just about saving enough—it’s about preparing for a whole new identity and way of living. He shares a framework that helps you rethink retirement with tools like identity checks, relationship mapping, and time design. The goal? A life that feels as good as it looks on paper.
Takeaways:
• Confide...
Gen X’s Biggest Money Regrets—And How to Fix Them
Dr. Preston Cherry opens up about the top financial regrets Gen X faces—from late retirement saving to piling on debt. The good news? It’s not too late to turn things around.
In this eye-opening conversation, Dr. Cherry shares how Gen Xers can shift from regret to resilience with simple mindset changes and a values-based wealth plan. Whether it’s saving more, cutti...
Inheriting a Home Shouldn’t Be This Hard…
In this episode, Dr. Preston Cherry breaks down why so many families run into legal trouble when passing down their home—and how a Transfer on Death Deed (TODD) can make things much easier.
Takeaways:
• Avoid probate delays
• Keep control while alive
• Name your home’s heir
• Protect emotional legacy
• Pair with a trust
00:00 Intro
00:58 Th...
In this episode, Dr. Cherry offers thoughtful guidance on navigating the recent rise in Bitcoin’s price. While market excitement is understandable, he reminds us that disciplined investing is not about reacting to headlines—it’s about following a well-crafted financial plan.
Takeaways:
• Don’t chase hype
• Know your crypto types
• Core first, crypto later
• Plan before you invest
• Taxes still apply
In this episode, Dr. Preston Cherry explains how to take advantage of the new rules that could save you 20% on qualified income every year and unlock up to $10 million in tax-free gains when you sell or exit your business. From avoiding costly timing mistakes to structuring smart early, Dr. Cherry breaks down what it really means to build a tax-smart runway.
Takeaways:
• 20% income deduction
• $10M+ capital gains =...
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