Let’s be honest—if money were just about math, every spreadsheet would lead to success. But as any seasoned advisor knows, humans don’t make decisions in formulas. They make them in fear, love, guilt, and identity.
In this thought-provoking and practical keynote, Ande Frazier—industry veteran, behavioral finance expert, and unapologetic truth-teller—breaks down why traditional financial planning models fall short and what today’s advisors must do to stay relevant. Through real-world stories, psychology-backed insight, and straight-talk strategies, advisors will explore:
● Why smart people still make dumb money decisions (and how to intervene)
● The cognitive traps that derail even the best-laid plans
● How to move from "advisor" to "guide" by mastering the emotional side of money
● Why understanding who a client is matters more than what they earn

You’ll leave with actionable frameworks to create deeper client relationships, improve implementation rates, and future-proof your practice in an era where connection is the real differentiator.
This isn’t fluff. It’s the formula the spreadsheet forgot.

James Gnefkow, Registered Principal and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. General Agent of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Peachtree Planning is not an affiliate or subsidiary of PAS or Guardian. Not practicing JD, LLM for Guardian or its subsidiaries or affiliates. CA Insurance License Number - 1860570. This seminar is for informational purposes only. The guest speaker appearing at this seminar are solely responsible for the content of their presentations, which may not necessarily represent the opinions of Guardian or its affiliates and subsidiaries. Guardian has not approved or endorsed this presentation. 8393174.1 Exp 10.8.25