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January 4, 2026 11 mins
Mindy and Boots speak with Joe Schmitz from Peak Retirement Planning about hiring a financial advisor!
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Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
A good boss or what's the worst boss you've ever
had and why were they so bad? We're talking to
Emma who can't stand her boss at Peak Retirement Planning,
who shouldn't right across from her. No, you lucked out.
You've got a good boss, it sounds like. But is
Joe kind of hard to work for? Because I do
know Joe, and Joe Joe is very particular about certain things.

(00:22):
And for you to have been hired by Peak Retirement Planning,
no jokes. Honestly, it's a huge compliment for you, Emma.

Speaker 2 (00:29):
Thank you.

Speaker 3 (00:30):
He's easy to work for if you have the personality.
So if you have, like he was saying, the victim personality,
not even necessarily that. But if you're slower, this is.

Speaker 2 (00:40):
Not the company.

Speaker 1 (00:41):
The company if you're slacking, If you're slacking at work,
pick up the slack or get out.

Speaker 3 (00:46):
Definitely, he was saying so in my first, well third interview. Technically,
when I came into Shadow first time, I met Joe
sitting with one of our other advisors, who I actually
find a little more intimidating. I haven't said that before,
but he two pieces of feedback I received one smile more,
two you didn't like one of the interest I gave.

Speaker 1 (01:07):
Give me the smile more smiled does so much. Yeah.

Speaker 4 (01:11):
So the interview question was why you? Why we have
five thousand plus applicants.

Speaker 1 (01:18):
Seriously, that's not a joke.

Speaker 2 (01:20):
Why should we pick you? You know you're right out
of college, Like, why you? And what was your response?

Speaker 3 (01:26):
Well, according to you, it was very It was more
it wasn't necessarily about peak. It was more that I
love the industry and I want to be in it regardless.

Speaker 4 (01:33):
It was a it was what she was told in
interview training versus like where he Actually I could tell
that she had something in her. I could tell that
she was very sharp, she was a vow victorian in
her high school class.

Speaker 2 (01:44):
Just very good.

Speaker 4 (01:45):
And I could tell that she really wanted to be
with us too, and that she totally fit our culture.

Speaker 2 (01:49):
And so I was I was hoping.

Speaker 4 (01:51):
To hear that, and you didn't, And instead she goes, well,
I think i'd be really good because I did this
in college and I did this, and it's like.

Speaker 2 (01:58):
Just say that you because you're a perfect fit.

Speaker 1 (02:01):
You told me that during the interview.

Speaker 2 (02:02):
Yeah, I told her. I said, look, we're really crossed
with you, but that was a terrible answer.

Speaker 5 (02:06):
I do not like that, So a question to both
of you and then and then you hired her anyway,
But but you know what, you hired her. There's not
a lot of women who are in this business, in
the industry becoming a financial advisor. First of all, why
and is it starting to change a little bit?

Speaker 3 (02:25):
Yeah, I want to make a point real quick. That
goes back to the first piece of feedback that I received,
a smile more. I was intentionally because I'm very smiling, naturally,
I was intentionally trying not to because I was like,
maybe that'll make me fit in better or more serious
being that guy instead of.

Speaker 2 (02:38):
Showing to the constant.

Speaker 6 (02:41):
Well maybe, I mean, smiles are worth a million bucks.
You know, one mouth two years, that's their thing. You
gotta listen. You gotta listen, because.

Speaker 2 (02:52):
I don't do what you guys talk to coming to.

Speaker 6 (02:56):
When I'm selling. You know, when i'm selling, and it's
and it's doing the right thing for client. But if
it's a friend, you're born.

Speaker 2 (03:03):
Me in the walk away, but walks away from me
all the time.

Speaker 6 (03:06):
Yeah, because you tell me you're like a run on sentence.
But what I'm saying is you know. I've always told
my salespeople listen, just listen, because if you miss one
little thing, you're going to lose the deal, not the
deal in your case, for the client you want to
because we're all different. You show me humans exactly the same,
I'll show someone lying because everybody's different. Everybody's different.

Speaker 2 (03:28):
Yeah.

Speaker 4 (03:29):
Yeah, And that's something like you asked, like, hey, you know,
what's it like for Emma to work with someone like me?

Speaker 2 (03:34):
Or don't. I don't think I've ever gotten on Emma.

Speaker 4 (03:36):
I mean, the only times I've gotten on her is
to like what your guys are saying is like be you, like,
be more of yourself, bring out more of your personality.
It's more of growth things. It's not Emma, can you
pick it up? Or Emma, can you work a little harder?
I mean, whenever someone is willing to put into work. Yeah,
who's committed, who's bought in? You don't ever have to
get on those people.

Speaker 1 (03:56):
When someone new comes to Peaker Tyberant Planning and you
haven't new client on board, do you assign which advisor
that they should go to? Do you look at their
background and you look at your advisors and think, you
know what these two would be a perfect match do
and be honest. I want you to answer that question.
Then want you to answer this question too. Do more
people want to be advised? No offense, Emma, because I'm

(04:17):
with you, I'm a girl. Do they want to be
advised by a guy or does it matter?

Speaker 2 (04:20):
Yeah, I'll answer the first one. So we take a
team approach.

Speaker 4 (04:23):
We usually have two advisors in each meeting, so a
lot of our clients get to meet several different advisors
as we go. Emma gets to interact with just about
every single one of our clients because she's very involved
in our estate planning process with clients.

Speaker 2 (04:35):
And so we like Emma in that position because she's
so personable. Everyone loves her when they talk to her.

Speaker 4 (04:41):
So it gives her an opportunity to really make people
feel at home and feel warm, and she gets done
what she says she's going to do.

Speaker 2 (04:48):
So that's what we really like.

Speaker 4 (04:49):
Now on the female advisor side, I mean, I'll let
Emma answer this one because she's able to see that
perspective of what people.

Speaker 2 (04:58):
You know, some people of it, some people maybe don't
like it that.

Speaker 3 (05:03):
There's only one instance I can think of where that
ever may have been the case, and it wasn't explicitly said,
but there was one instance where we met with a couple.
They were deciding whether they wanted to work with us,
and it was me in it in there and then
another advisor who is male and the husband. The wife
and I got along great. We talked so much. She's like,
we're going to be best friends. Husband did not make
eye contact with me at all, and I would answer

(05:23):
some of his questions and literally look at the other one.
But we want him over the clients now, and he's great,
and he's actually really great.

Speaker 2 (05:29):
To work with them, and we won't say their names now.

Speaker 6 (05:31):
I wondered if people have Brandy and Mindy, I don't know. Well,
you've got some hurdles. Let's just let's peel the onion back.

Speaker 4 (05:39):
Well part of that, right, part of it's hurdles. The
other part of it, it's like if you put her in,
you know, for example, there's some either single men or
single women that a female advisor will connect very very
well with. Like for example, I remember one client I
got to see her on and she was like sitting
there like they're best friends, Like, hey, you know, you

(06:01):
need to go try this restaurant out in Columbus, and hey,
you should try out this one, And like, I could
never communicate with someone at that level, Like I really never,
like from the way that she was doing it right, Okay, okay,
you know I could, but it's not going to be
on the same feel.

Speaker 6 (06:15):
She looks very young. You look to me, You'll let
you're twenty.

Speaker 5 (06:18):
That's another piece in You're you're like.

Speaker 6 (06:21):
Everyone's little sister that we loved. That's who the picture.
You get a cute little dimples. I'm going to and
I'd be like, well, but then experience, but then yeah,
you're like Fox News. They hire attractive ladies, but they
have the brains to back it. And the minute you
can back it, yeah, the man will melt right away.

Speaker 2 (06:39):
They're like, oh gosh, she's so young.

Speaker 1 (06:41):
I look at doctors sometimes I'm like, oh, yeah, there's
like my age, how can that person be in exactly,
But then when they open their mouth and they start speaking,
You're like, oh my gosh, they're so smart.

Speaker 2 (06:52):
So it's a whole new year, Joe.

Speaker 1 (06:53):
People have a lot of high expectations because of the
big beautiful bill.

Speaker 2 (06:58):
It goes into effect.

Speaker 1 (06:59):
Now is it going to make a difference for the
financial situation for the country and also individually, I mean
so many things change. No tacks on tips, social Security,
older people get a break on taxes.

Speaker 2 (07:11):
Now, what's the biggest thing.

Speaker 4 (07:12):
I'm going to to tell them three things that they
need to be aware of. Okay, So first thing is
with charitable deductions. So now in twenty twenty six, anyone
can write off charitable deductions even if they take the
standard deduction, which ninety percent of people do right now.
So over the past few years, you haven't been able
to get any benefit for your charitable gifting unless you
gave a significant amount. Well, now you could give up

(07:32):
to two thousand dollars if you're married, or a thousand
if you're single and be able to have that, you know,
deducted on your taxes.

Speaker 2 (07:38):
So big benefit for anyone that is somewhat charitable.

Speaker 1 (07:42):
You want to give me a gift in boots?

Speaker 4 (07:44):
Yeah, so you know, anyone that's doing that, just make
sure they file that on their tax return and they'll
be good to go. Obviously, you have to make sure
you're giving and have the receipts back at up.

Speaker 2 (07:52):
Is that part of the big beautiful build correct.

Speaker 1 (07:53):
Okay, what's the other two.

Speaker 4 (07:55):
That's one that The second thing is for the bonus deduction,
So anyone sixty five or order boots this is for.

Speaker 6 (08:01):
Three three feel it.

Speaker 4 (08:03):
This is for three more years. So last year we
had the opportunity. Now for three more they get an
extra but bonus deduction for if you're married's twelve thousand.
If you're a single at six thousand, so basically gives
you a little bit more tax free money up front.
And there's also Trump's way to get Social Security tax free. Now,
only about eighty to ninety percent of people will pay
tax on their Social Security or will not pay tax on.

Speaker 2 (08:23):
Their Social Security. So that's the second one, So big
opportunity there.

Speaker 4 (08:26):
Now. The third one because of you know that last one,
and also because taxes are going to be lower due
to the one big beautiful bill here in twenty twenty six,
is to make sure they're looking at things like roth
conversions or taking out more money from their tax deferred
investments to make sure they're taking advantage of those standard
deductions that are increased now. So just making sure they're

(08:47):
aware of the new changes and taking action on it's.

Speaker 6 (08:49):
Going to be important Okay, so real question. When you
guys are driving down the road, are you constantly going
through this in your head?

Speaker 2 (08:58):
He is, Joe's doesn't stop.

Speaker 6 (09:00):
I bet, because that's the person I want to deal with,
someone that's always on it. Like we're talking earlier, when
I'm taking a shower, I'm thinking about work and some
people you shouldn't do that. Sorry, that's what we do.
Working people do that. Am I correct and saying that.

Speaker 3 (09:12):
Yes, I have a note sapp in my phone. Anytime
something pops in there, it's written down immediately exactly.

Speaker 6 (09:16):
And that's Owes. I'd hire her in a second. I'd
hire you, me and both of you.

Speaker 1 (09:20):
But you know what, though, Boots, I think that if
you really love what you do, it's not a job.
It isn't and you are constantly thinking about different things,
thinking about ways you can improve yourself your office. Plus
look at the people they have under them that they're
trying to make life better for and they don't want
to let anybody down.

Speaker 2 (09:39):
It's a huge responsibility.

Speaker 6 (09:41):
Okay, key question. If I'm interviewing someone, if you're walking
down the hallway and you see something on the floor,
that's someone accidentally dropped that looks like garbage. We walk
by it, or you pick it up and throw it away.

Speaker 3 (09:54):
Pick it up.

Speaker 6 (09:55):
A lot of people don't do that. I've had people
in interviews, but it's not my job.

Speaker 1 (09:59):
Yeah that if you're in an interview, why would you
say no, I wouldn't do that.

Speaker 4 (10:05):
We had a guy, we had a guy before we
were He was shadowing to get hired for us, and
he was.

Speaker 2 (10:13):
He unloaded the dishwasher.

Speaker 1 (10:16):
What in your kitchen?

Speaker 2 (10:21):
We did? He's no longer with us, but we did
hire the dishes.

Speaker 4 (10:25):
He took a job with as there that stuck out
to us.

Speaker 2 (10:30):
We're like, well, sure, did you know what I've heard too?

Speaker 1 (10:33):
After you do an interview with someone and you know,
you usually send a follow up letter, Hey, it was
nice meeting you. I heard to send a follow up
letter on top of a pizza box, order that boss pizza,
and on that pizza you put a thank you note.

Speaker 2 (10:53):
That cat your Now here's what I'll say. None of
that stuff works.

Speaker 4 (10:56):
You're the good You're not exactly like if someone sends
out to me, I don't care, like, are you good?

Speaker 2 (11:03):
You know what that was creative about? To get you
to get your name in the door. Yeah.

Speaker 4 (11:08):
Absolutely, but if you're trying to like force it now,
that's not gonna worry.

Speaker 1 (11:12):
So we have Rivia coming up, you guys. It's a
brand new year. The last Rivia winner was Chris because
it was before Christmas, remember, like, oh, what was about Christmas?

Speaker 2 (11:21):
Chris?

Speaker 1 (11:21):
If you're listening or if we have his number, we
will call Chris back. But we need somebody, anybody, it
doesn't matter. It's the start of a new year. If
you've recently won, so what bring it on? And it's
all about New Year's resolutions, things like that easy six
one four eight two one nine eight eight six six
one four eight two one nine eight eight.

Speaker 6 (11:41):
Six All right, raw Indian boots brought you by Peak retirement,
Always pecked by the undefeated. American made Tattletale alarm system
from the Arlan Make Studios on News Radio six n WTVM.
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