Digital Assets – The Financial Puzzle Playbook

Estate Planning Basics Every Family Should Understand (Ep. 50)

By The Financial Puzzle Playbook | August 4, 2026

Have you been putting off your estate plan because it never feels urgent?

Many families discover too late that assumptions, outdated paperwork, or missing documents can create difficult decisions for the people they care about most.

In this episode, Jim Sumpter, CFP®, explains why estate planning isn’t reserved for wealthy families and walks through the core documents that help protect your wishes. He discusses common misunderstandings about wills, beneficiary designations, powers of attorney, medical directives, guardianship for minor children, and digital assets. Throughout the discussion, he shares practical examples that illustrate how preparation today can reduce confusion and help families carry out important decisions when they’re needed most.

Key takeaways:

Why having a will doesn’t automatically control retirement accounts or beneficiary assets
How probate laws determine decisions when no estate planning documents exist
The role of financial and medical powers of attorney during incapacity
Why beneficiary designations deserve regular reviews after major life changes
How planning for digital accounts and online access has become part of modern estate planning
And more!

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Digital Assets, Bitcoin, and the Future of Financial Planning with Loran Coffman – Part 2 (Ep. 49)

By The Financial Puzzle Playbook | June 30, 2026

Digital assets are becoming a bigger part of financial conversations, but many people still wonder whether they belong in a long-term plan.

How do blockchain, Bitcoin, and crypto actually work? And what should investors understand before adding digital assets to a portfolio?

In this episode, Jim Sumpter continues part two of his conversation with Loran Coffman, MRFC®, CRPC™, CBDA℠, Wealth Advisor and Founder of Route Financial Group, about how digital assets are evolving beyond cryptocurrency headlines. They break down blockchain transparency, Bitcoin mining, institutional adoption, portfolio allocation, regulation, and the role advisors play in helping clients approach this developing asset class with discipline and perspective.

Key takeaways:

How blockchain records transactions and creates transparency through decentralized digital ledgers
Why advisors are discussing Bitcoin exposure as part of broader portfolio diversification planning
How ETFs and institutional adoption are changing access to digital asset investments
Why portfolio sizing and discipline matter when adding volatile assets to retirement accounts
How Bitcoin mining works and why scarcity plays a role in digital asset valuation
And more!

Resources:

The Financial Puzzle of Bitcoin and Blockchain with Loran Coffman – Part 1 (Ep. 47)

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About Our Guest:

Loran Coffman is an independent financial advisor and the founder of Route Financial Group in Troy, Michigan. With nearly three decades of experience in financial planning, Loran specializes in helping clients understand developing asset classes and portfolio diversification strategies. He holds the Certificate in Blockchain and Digital Assets designation through the Digital Assets Council of Financial Professionals and works extensively with digital asset education and investment planning.

Disclosures:

Loran Coffman offers advisory services through RFG Advisory, LLC, a registered investment adviser. Route Financial Group, CMC Financial, RFG Advisory, and Private Client Services are unaffiliated entities.

Digital assets, including cryptocurrencies, are speculative and volatile and may lose substantial value. Any references to specific cryptocurrencies or digital asset ETFs are provided for informational and educational purposes only and do not constitute a recommendation to buy, sell, or hold any security or

digital asset. Price references reflect conditions as of the recording date and are subject to rapid change.

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The Financial Puzzle of Bitcoin and Blockchain with Loran Coffman – Part 1 (Ep. 47)

By The Financial Puzzle Playbook | June 9, 2026

Cryptocurrency can feel confusing, speculative, or difficult to understand, especially with so much hype surrounding digital assets.

In this episode of The Financial Puzzle Playbook, Jim Sumpter sits down with Wealth Advisor and Founder of Route Financial Group, Loran Coffman, MRFC®, CRPC™, CBDA℠, to break down the basics of cryptocurrency and blockchain technology, and why digital assets are becoming a growing topic of conversation in financial planning.

Loran explains how Bitcoin evolved from an experimental software concept into a developing asset class, why blockchain matters beyond cryptocurrency, and how tools like Bitcoin ETFs are making digital assets more accessible through mainstream investment platforms. The conversation also explores how digital assets fit into a broader investment strategy, including how some investors evaluate them in diversification discussions and within the evolving landscape of modern investing.

Jim Sumpter, CFP®, and Loran Coffman discuss:

The story behind Bitcoin Pizza Day and the first Bitcoin transaction
What blockchain technology actually is and how it works
The differences between Bitcoin, Ethereum, Solana, and other digital assets
How investors can access cryptocurrency through ETFs and regulated platforms
And more!