The Subscription Model Changing the Financial Industry (No Net Worth Required!) with Joel Miller, CFP®

Ever felt overwhelmed by financial lingo like IULs, ETFs, or why your advisor earns more when you invest more? In this episode of I Date Money®, Lisa Drennon sits down with Joel Miller, Certified Financial Planner and founder of Flames Financial Planning, to break down a revolutionary approach to financial advising: flat-fee, subscription-based service that actually puts your goals first. No commissions. No hidden agendas. Just honest, comprehensive planning that includes investments, tax filing, estate plans, and a whole lot of peace of mind.

Whether you’re working with $250K or $3M+, this episode is for the mompreneur ready to manage and multiply her money—without fear, shame, or overwhelm. Joel’s warm, faith-rooted approach makes even the most complex strategies feel like a cozy conversation at your favorite coffee shop.

Topics Discussed:

• Why most financial advisors are still stuck in the old, commission-heavy model
• How flat-fee planning eliminates conflict of interest
• What the “gym membership” approach to financial planning really means
• The truth about taxes: what most advisors don’t offer—but Flames does
• Roth rollovers, IULs, expense ratios, and common investing fears demystified
• Christian perspectives on money stewardship (and why “money is the root of all evil” is not the full story)
• Why compounding interest is the quiet millionaire-maker
• The power of consistency, not perfection, when building long-term wealth

Quote to Remember:

“It’s not about timing the market. It’s about time in the market—and trusting someone to drive while you enjoy the journey.” – Joel Miller, CFP®

Guest Info:

👉 Learn more about Flames Financial Planning: https://flamesfp.com

👉 Follow Joel on Instagram + YouTube: @joelmillerCFP

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Intro/Outro music "IDM" by Christa Lily