Cash Flow Strategy – The Financial Puzzle Playbook

Why Money Choices Get Easier When You Start With Values with Brendan Frazier – Part 1 (Ep. 38)

By The Financial Puzzle Playbook | December 3, 2025

It is easy to think financial planning is all about numbers, but this episode pulls back the curtain to show why the human side matters just as much.

In this episode, Jim Sumpter, CFP®, sits down with returning guest Brendan Frazier, Chief Behavioral Officer at RFG Advisory, to explore the Golden Circle framework and how understanding your why can shape every financial decision you make. From cash flow to retirement to caring for aging parents, your deeper motivations can either move you forward or keep you stuck.

This conversation brings clarity to an area most people never slow down long enough to examine.

What to expect:

Why your values influence your financial habits
How to uncover what really drives your decisions
The role of mindset in budgeting and long-term planning
How life changes can shift your priorities over time
And more!

Resources:

Connect with Jim Sumpter:

Connect with Brendan Frazier:

About Our Guest:

Brendan Frazier is the Chief Behavioral Officer at RFG, the host of The Human Side of Money podcast, and a nationally recognized voice on behavioral finance. After starting his career as a consultant to financial advisors around the country, he started his own financial advisory business and was twice named one of Investopedia’s Top 100 Financial Advisors in the U.S. Most recently, he built a global training platform to help financial advisors and their clients better understand the behavioral, psychological, and emotional sides of money. When he’s not diving into the latest behavior and psychology research, he is spending time with his wife Shannon and three kids, Brooks, Shepherd, and Merritt. And, he welcomes all unsolicited advice on how to successfully raise three kids.

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The Financial Puzzle Playbook is ONE! (Ep. 24)

By The Financial Puzzle Playbook | April 25, 2025

What does a year of piecing together financial puzzles look like?

Join Jim Sumpter as he marks a milestone—the anniversary of The Financial Puzzle Playbook—by walking us through a year of engaging conversations and relatable insights. Featured guests have contributed rich stories across various financial topics like the emotional impact of investments, essential estate planning, and navigating milestones like weddings with a financial lens. From the emotional side of money management to practical advice on navigating market changes, this episode offers a holistic view on lifetime financial planning, ensuring you’re well-armed for the future.

Jim Sumpter recaps:

[00:01:05] The concept of crafting financial plans as puzzles, the importance of cash flow, and investment strategy.
[00:05:52] Diversifying investment portfolios and understanding financial products.
[00:09:09] Insightful take on life changes and financial implications, from personal anecdotes to expert guests.
[00:18:10] The significance of estate planning and how life events can alter financial strategies.