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October 21, 2025 48 mins

In episode 112 of Going Forward, Eric Elliott is joined by Michael Scarpati, co-founder and CEO of RetireUS, to expose the hard truths behind financial planning today. From the myth of “set it and forget it” retirement accounts to the hidden toll of financial stress, he explains why doing nothing may be the most dangerous decision of all.

Together, they unpack why 85% of financial professionals aren’t required to act in your best interest, how trust in big-name institutions can leave families vulnerable, and why financial wellness is really a form of mental wellness. As Michael shares, financial stress doesn’t stay in your bank account, it bleeds into your health, relationships, and leadership.

Eric and Michael dive into how fintech is opening access for the 98%, how independent fiduciaries are reshaping trust, and why clarity with money is the key to leading with confidence in uncertain times. Whether you’re early in your career, preparing for retirement, or leading a business through chaos, this conversation will give you the clarity to stop "crockpotting" your future and start planning it with intention.

Connect w/ Eric Elliott:
Website: https://ericelliott.com/⁠⁠⁠
LinkedIn: https://www.linkedin.com/in/eric-elliott-45704745/
Instagram: https://www.instagram.com/ericmelliott/
Twitter: https://x.com/ericmelliott
Linktree: https://linktr.ee/ericmelliott
Email: Eric@EricElliott.com
Text: 843-279-5843

Connect w/ Michael Scarpati:
Website: https://retire.us/
LinkedIn: https://www.linkedin.com/in/michael-a-scarpati/
Instagram: https://www.instagram.com/retire.us

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Eric Elliott is a self-made entrepreneur and marketing expert with extensive experience crafting impactful brand narratives for clients across industries. He is the founder of VIP Marketing and Craft Creative. In 2009, Mr. Elliott started VIP Marketing with almost no resources. VIP now has a global team and is recognized as one of the top branding agencies in the USA by Clutch.co. He founded Craft Creative in 2015, a full-service video production company providing premium services to clients across the US. Eric is also the host of Going Forward, a podcast moving conversations with entrepreneurs and leaders that inspire, motivate, and challenge you to embrace possibility and make a difference. Mr. Elliott is the author of numerous articles and an active contributor to Entrepreneur Magazine, Forbes, and Medium. Recognized as a pillar of his community, the city of North Charleston established Eric Elliott Day to honor his name and legacy to inspire others.

Going Forward is brought to you by ⁠VIP Marketing⁠.

VIP Marketing is a law firm marketing agency based in Charleston, SC. Our mission is to partner with our clients to make them the choice in their market, not just a choice. We're focused on helping them thrive in the digital age by providing a comprehensive suite of services specifically tailored to their needs including: digital marketing services such as SEO and PPC; brand strategy and identity design; website design and development; and premium video production. At VIP Marketing, we elevate the marketing presence of law firms, helping them stand out in competitive markets.

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