Skip to content
Artwork for True Wealth Podcast
BusinessEducationSelf-Improvement

True Wealth Podcast

Pinnacle Wealth

Where money is a tool, not the destination.  

The True Wealth Podcast shares inspiring conversations and real-life stories that go beyond dollars and cents. Hosted by the team at Pinnacle Wealth, each episode explores what it truly means to live a life of purpose, generosity, and fulfillment; grounded in the belief that True Wealth is everything you have that money can’t buy and death can’t take away.  

  

Through heartfelt storytelling and thoughtful discussion, Pinnacle Wealth advisors open up about:  

  • Their own True Wealth journeys as advisors, parents, and community members.  
  • The lessons learned while helping clients align their financial lives with their personal values.  
  • The 9 Principles of True Wealth and how they apply to everyday life.  

This is not a podcast about financial products or quick tips: it’s about building a meaningful life that integrates purpose and planning.  

 

Subscribe to hear stories that inspire you to live intentionally, give generously, and design your own version of True Wealth. 

  

Learn more, explore educational resources, or connect with an advisor at PinnacleWealth.com.  
 

Pinnacle Wealth Social Channels: 
Instagram: https://www.instagram.com/truewealthu/ 
Facebook: https://www.facebook.com/PinnacleWealthSD 
LinkedIn: https://www.linkedin.com/company/pinnacle-wealth-management---sd/ 

612 E Tan Tara Cir Unit 100, Sioux Falls, SD 57108
605-271-6023

Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor.

Play
  • 20 episodes
  • fortnightly
  • Avg 42 min
  • English
  • October 5 · 49 min

    Love in Action: Faith, Generosity, and Following the Nudge with Pastor Adam Weber

    What does it look like to actually live the transformational power of love, not just talk about it? In this episode, Senior Wealth Advisors Kevin Engbers and Ryan Ovenden sit down with Pastor Adam Weber, Lead Pastor at Embrace Church. Adam began as a business and marketing major who expected to do ministry through the business world, and for years he treated his entrepreneurial drive as a flaw. Now he sees it as a gift placed exactly where God wanted it used, and he argues the same is true for anyone in any job: wherever you are placed, you can do full-time ministry. The conversation moves from how a self-described recovering workaholic protects his marriage and his rest, to the hardest year of Adam's life and the book it produced, Love Has a Name. Kevin ties it to the first of the nine principles in his own book, True Wealth: being a living example of the transformational power of love. Adam shares the story of how his parents' bankruptcy made money a god for him, how his wife Becky insisted they tithe from their first paycheck, and the peace that came from inviting God into their finances. Ryan tells the story of a lunch, a recommended book, and a final conversation with his dying father-in-law that Kevin sent him out of the office to have. In This Episode Why any job can be full-time ministry, and why Adam spent 12 years seeing his drive as a flaw How a recovering workaholic pastor protects his family, with a set work schedule and mentors who ask hard questions Phone-free mornings, walks with his dog Senator, and the A-frame cabin behind two barbed-wire fences How the hardest year of Adam's life produced Love Has a Name, with every chapter named for a person who taught him to love Why the difficult person is harder to love than the different one, and what happened when Adam invited a critic from his DMs out for coffee Ryan's story of a lunch, a book that reached his father-in-law days before a terminal diagnosis, and a 30-second goodbye Why Kevin sent Ryan out of the office that day, and the friend named Doug who calls whenever Kevin is on his heart How Adam's parents' bankruptcy turned money into a god for him, and how tithing from the first paycheck broke that hold Adam's starter challenge for generosity: a thousand dollars in twenties, ten of them in your pocket every day Adam's one thing for every listener, and his answer to the question "true wealth to me is what?" Guest: Pastor Adam Weber, Lead Pastor at Embrace Church Hosts: Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor, Chief Planning Officer (CPO)

    • Transcript
  • September 21 · 27 min

    What does it really mean to live a life marked by love?

    Be a Living Example of the Transformational Power of Love - the 1st True Wealth Principle What does it really mean to live a life marked by love? In this episode of the True Wealth Podcast, Kevin Engbers, Ryan Ovenden, and Nik Aamlid begin a new series exploring the Nine True Wealth Principles by unpacking the first principle: Be a Living Example of the Transformational Power of Love. Rather than viewing love as simply an emotion, the hosts explore the biblical concept of agape love, a love expressed through action, sacrifice, generosity, and service to others. They discuss why this principle serves as the foundation for every other aspect of true wealth and how our daily choices can become opportunities to positively influence the people around us. The conversation also examines how fear often competes with love in our decision-making, why serving others creates lasting fulfillment, and how living with intentional compassion can transform families, workplaces, communities, and future generations. Whether you're building wealth, raising a family, leading a business, or preparing for retirement, this episode offers a practical reminder that our greatest legacy isn't measured by what we accumulate, but by how we love others. In This Episode Why love is the first True Wealth Principle The meaning of agape love and why it requires action Why transformational love is more than a feeling How fear and love influence everyday decisions Practical ways to serve others through generosity and compassion Building a legacy through intentional relationships Why true wealth begins with character before finances Living a life that positively influences future generations Host: Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor, Chief Planning Officer (CPO) Nik Aamlid, CFP®, CAP®, CKA®, Senior Wealth Advisor, Chief Operating Officer (COO) Connect with the True Wealth Podcast YouTube Playlist: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Website: https://www.TrueWealthPodcast.com

    • Transcript
  • September 7 · 51 min

    The Legacy Leaders: Living, Giving, and Passing On What Matters

    What does true wealth look like in the later stages of life? In this episode the Pinnacle Wealth team unpacks the final life stage in the True Wealth framework: the Legacy Leaders, generally those age 76 and beyond. This stage is often associated with leaving a legacy, but the conversation challenges the idea that legacy is simply about the money, property, or possessions someone leaves behind. This explores the unique perspective that comes with decades of life experience and why those in the Legacy Leader stage still have so much to contribute. They discuss the importance of sharing stories, communicating appreciation while there is still time, and passing emotional and spiritual capital to the next generation. The conversation also offers an important challenge to younger generations: don't wait until it's too late to ask questions, hear stories, and learn from the people who came before you. In This Episode What defines the Legacy Leader stage and why it is about more than leaving an inheritance Why the wisdom of older generations is one of the most valuable forms of legacy The importance of saying the things you want loved ones to know while there is still time Why legacy should be lived throughout every stage of life, not created at the end The three forms of capital that can be passed to the next generation: financial, emotional, and spiritual How relationships with clients can become some of the most meaningful parts of a financial advisor's work Why writing a legacy letter can preserve memories, values, encouragement, and personal stories Legacy Is More Than What You Leave Behind It's a season of reflection, contribution, perspective, and influence. True legacy isn't simply something that is handed down after someone is gone. It is something that can be intentionally lived out every day. The question isn't only, "What will I leave behind?" Hosts and Senior Wealth Advisors: Kevin Engbers, CFP®, CEO & Founder Ryan Ovenden, CFP®, CKA®, Chief Planning Officer Nik Aamlid, CFP®, CAP®, CKA®, COO Watch or listen to the True Wealth Podcast on YouTube, Spotify, or Apple Podcasts. YouTube Playlist: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.TrueWealthPodcast.com

    • Transcript
  • August 24 · 45 min

    The Leaper Stage of Life: From Career Identity to Lasting Purpose

    What happens when your career is no longer the primary thing that defines you? For many people between the ages of 60 and 75, life enters a season of transition unlike any before. The pace begins to change. Retirement comes into view or has already begun. Children are independent, careers wind down, and new questions begin to surface. Who am I beyond my profession? What do I want this next chapter to represent? In this episode of the True Wealth Podcast, Kevin Engbers, Ryan Ovenden, and Nik Aamlid continue their Life Stages series by exploring the Leaper stage—a season defined less by accumulating wealth and more by aligning your life with purpose. The conversation examines the emotional and practical realities of moving from career identity to life identity. The hosts discuss why retirement isn't simply about leaving work, but about intentionally stepping into a new season with clarity, meaningful relationships, healthy routines, and a renewed sense of purpose. Whether retirement is just around the corner or still several years away, this episode offers practical wisdom for making the transition with confidence and intentionality. In This Episode What defines the Leaper stage of life Why retirement is more than a financial milestone Moving from career identity to life identity Navigating purpose beyond full-time work Prioritizing health, relationships, and personal growth Why intentional planning extends beyond finances Redefining success during retirement Preparing for a meaningful next chapter Key Takeaways The Leaper stage is about far more than stepping away from a career. It's about stepping toward a life that's intentionally aligned with your values, relationships, faith, and purpose. Financial readiness is important, but true retirement planning also includes preparing emotionally, relationally, and spiritually for the opportunities this next season brings. Hosts: Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor, CPO Nik Aamlid, CFP®, CAP®, CKA®, Senior Wealth Advisor, COO Listen to the podcast: YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Website: https://www.TrueWealthPodcast.com

    • Transcript
  • August 10 · 36 min

    How to Navigate the Builder Stage of Life: From Success to Significance

    For many people, the Builder stage of life can be one of the busiest and most demanding seasons they'll ever experience. Careers are at their peak. Children are growing up. Parents are aging. Financial decisions become more complex, and the pace of life rarely slows down. It's also a season where many begin asking deeper questions about purpose, legacy, and what they're ultimately building toward. In this episode of the True Wealth Podcast, Kevin Engbers, Ryan Ovenden, and Nik Aamlid explore what it means to live intentionally during the Builder stage of life. Rather than focusing solely on financial accumulation, they discuss how this season presents an opportunity to align your resources, relationships, and decisions with what matters most. The conversation examines how comparison, fear, and constant busyness can quietly shape our choices without us realizing it. The hosts share practical insights on creating margin, strengthening family relationships, preparing for future transitions, and making decisions based on values rather than pressure. Whether you're currently navigating the Builder stage or preparing for it, this episode offers a framework for moving beyond simply achieving success toward building a life of lasting significance. In This Episode Understanding the Builder stage of life and its unique challenges Why intentional living becomes increasingly important during midlife The difference between success and significance How comparison can quietly influence financial and life decisions Building stronger family relationships during life's busiest years Creating margin instead of constantly chasing more Making decisions from purpose instead of fear Aligning your financial plan with your values and long-term vision Key Takeaways The Builder stage isn't simply about earning more or accumulating more wealth. It's about becoming more intentional with the resources, relationships, and opportunities you've been given. By clarifying your values, strengthening the people closest to you, and making purpose-driven decisions, you can help build a life that creates lasting impact long after your career ends. Listen here: YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Website: https://www.TrueWealthPodcast.com

    • Transcript
  • July 27 · 44 min

    Old Words, New Life: Dan LaRock on the Faith and Wisdom Passed Down Through Generations

    In this episode of the True Wealth Podcast, we welcome back Dan LaRock for a deeply meaningful conversation centered around his book, Grandpa’s Gift, and the timeless wisdom passed down from his grandfather. The discussion explores how lessons rooted in faith, history, and personal experience can shape a more purposeful and grounded life today. Dan shares the origin story behind Grandpa’s Gift, which was inspired by a collection of sermons and writings from his grandfather, a Methodist minister. Although these messages were originally delivered decades ago, Dan reflects on how revisiting them later in life brought a renewed sense of clarity and direction. What once felt distant and difficult to grasp became deeply personal and transformative as he matured, revealing truths that resonated with his everyday life, relationships, and decisions. The episode also introduces several key principles from the book, including the idea of “giving the Heisman” to the world’s expectations—choosing not to be driven solely by status, success, or external validation. Instead, Dan highlights the importance of seeking a higher purpose, being bold in one’s beliefs, and living out faith through daily interactions. This includes finding love in every relationship and becoming a living example of that love in both personal and professional environments. Ultimately, this episode serves as a powerful reminder that true wealth is found in aligning one’s life with enduring truths. By embracing wisdom from the past, living with intention, and applying faith in everyday interactions, individuals can experience a deeper sense of peace, purpose, and fulfillment that transcends temporary success. Highlights from the Episode Grandpa’s Gift was inspired by decades-old sermons that continue to provide relevant, life-changing wisdom today. Old wisdom remains powerful and applicable, even as culture and generations evolve. Giving the “Heisman” to the world means rejecting external pressures of success, status, and validation. True fulfillment is not found in financial success or achievements, but in purpose, belonging, and faith. Understanding history and scripture provides a stronger foundation for navigating modern life. Love should be expressed intentionally in every relationship, serving as a reflection of one’s beliefs. Investing in people and experiences creates deeper, lasting joy compared to material success. Listen on: Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/ Host/Guest Kevin Engbers CFP®, Senior Wealth Advisor, CEO & Founder Nik Aamlid CFP®, CAP®, CKA®, Senior Wealth Advisor Dan LaRock, Co-Founder of Rock Ranch and Author of “Grandpa’s Gift”

    • Transcript
  • July 13 · 1 hr

    Thriving in Love & Money: What Couples Are Really Arguing About with Researcher Shaunti Feldhahn

    Why do couples with healthy finances still argue about money? In this episode of the True Wealth Podcast, we sit down with Shaunti Feldhahn, best-selling author, popular speaker, and nationally-renowned social researcher, to explore the surprising findings behind her research on marriage, communication and money. According to Shaunti's research, most financial disagreements have very little to do with dollars, budgets, or investment accounts. Instead, they are often driven by deeper emotional factors such as security, trust, fear, expectations, and the assumptions each person brings into a relationship. Drawing from years of studying thriving couples, Shaunti explains why financial conversations can become emotionally charged, how misunderstandings often fuel conflict, and what couples can do to create greater unity around their finances. The conversation reveals that successful financial partnerships are rarely built on perfect budgets or flawless planning. They're built on understanding, communication and a willingness to recognize the emotional realities that often exist beneath the surface of money discussions. Whether you are newly married, preparing for marriage, or simply looking to improve communication with your spouse, this episode offers practical insights that can strengthen both your relationship and your financial life. Highlights from the Episode Why most financial arguments are not actually about money The emotional triggers behind money conflicts How assumptions create tension between spouses What Shaunti's research reveals about thriving couples The role of communication in financial harmony Practical ways to improve money conversations Building unity around shared financial goals Listen Now You can listen to this episode on your preferred platform: YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.TrueWealthPodcast.com Hosts: Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor, CPO Guest: Shaunti Feldhahn, Best-Selling Author, Popular Speaker & Nationally-Renowned Social Researcher

    • Transcript
  • June 29 · 58 min

    What's On Your Mind When You're Unsure The Plane Will Land: Author Joe Stehlin on Purpose & Calling

    A Story of Calling, Purpose, and Perspective What would cross your mind if you weren't sure your plane was going to land safely? For Joseph Stehlin, that moment became one of the most clarifying experiences of his life. Sitting with genuine uncertainty about whether he would survive, his thoughts didn't go where he expected. They went straight to what actually mattered — faith, relationships, purpose, and whether he was living the life he was called to live. In this episode of the True Wealth Podcast, Nik Aamlid and Kevin Engbers sit down with Joe to unpack that moment and the larger journey behind his book Hunted and Called. Joe shares how adversity, fear, and unexpected circumstances can strip away the noise and reveal what you're actually built for. The conversation explores the difference between external success and internal fulfillment — and why so many people spend years chasing one while neglecting the other. Joe reflects on the moments that challenged his identity, the importance of listening for God's direction, and the role of relationships and community in navigating life's hardest seasons. Ultimately this episode is a reminder that purpose is often discovered not in spite of the experiences we wouldn't have chosen, but because of them. Highlights from the Episode The terrifying flight experience that forced Joe to confront what truly matters The journey behind Hunted and Called and what it took to write it The difference between chasing success and living with true fulfillment How adversity shapes purpose and perspective in ways comfort never could The role of faith in decision-making and leadership Why relationships and community matter most during difficult seasons What it looks like to live with clarity and respond faithfully to your calling Listen Now You can listen to the latest episode of the True Wealth Podcast on your preferred platform: YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.TrueWealthPodcast.com Hosts: Nik Aamlid, CFP®, CAP®, CKA®, Senior Wealth Advisor and COO Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder Guest: Joseph Stehlin, Author of “Hunted and Called”

    • Transcript
  • June 15 · 1 hr 9 min

    The Quiet Path to Financial Freedom: Jeff & Karen Lukens on Consistency, Contentment & the Long Game

    Wisdom Built Through Consistency and Perspective In this episode of the True Wealth Podcast, Senior Wealth Advisor Ryan Ovenden sits down with Jeff and Karen Lukens to discuss the financial lessons, values, and perspectives shaped through decades of life, work, and education. The conversation centers around the principle of wisely using financial resources and explores how everyday decisions, consistency, and mindset often have a greater long-term impact than dramatic financial moves. Jeff and Karen reflect on the importance of contentment, delayed gratification, and living within your means while still building a meaningful life. They also share advice for younger generations navigating financial pressure, comparison, and the desire to “catch up” quickly. Rather than focusing on appearances or constant upgrades, the discussion points toward intentional living, steady progress, and surrounding yourself with people who can provide wisdom and guidance along the way. This episode is a reminder that wealth is not only about accumulation. It is also about stewardship, perspective, and making deliberate decisions that align with what matters most. Highlights from the Episode Why contentment matters more than comparison Financial lessons learned through decades of teaching and life experience The long-term impact of consistent saving and delayed gratification Why intentional decisions shape future opportunities The importance of seeking guidance and accountability early How wisely using financial resources creates freedom and flexibility Host: Ryan Ovenden, CFP®, CKA®, Senior Wealth Advisor & Chief Planning Officer Guests: Jeff and Karen Lukens, Retired Teachers & Pinnacle Wealth Clients Listen Now: You can listen to this episode of the True Wealth Podcast on your preferred platform: YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.TrueWealthPodcast.com

    • Transcript
  • June 1 · 48 min

    Loneliness No One Talks About: Leadership, Isolation and the Relationships That Keep You Grounded

    In this episode of the True Wealth Podcast, Senor Wealth Advisors Kevin Engbers and Nik Aamlid sit down with Tom Henderson, founder of RESGEN, to explore one of the least talked about realities of leadership: the isolation that can quietly grow alongside outward achievement. Tom brings a candid, grounded perspective on what it means to build a life and career of genuine depth — not just momentum. The conversation centers around a simple but powerful idea: that the people you allow to speak truth into your life matter far more than the size of your network or the strength of your reputation. A key theme throughout the episode is what Tom calls a "band of brothers" — a small, trusted circle of people who challenge you, walk alongside you, and refuse to let you drift. In a world that rewards hype and image-driven leadership, Tom makes the case that this kind of honest, accountable relationship is increasingly rare and increasingly necessary. The conversation also examines how ambition, if left unchecked, can quietly create distance from the people and connections that matter most — even when everything on the outside looks like success. Leadership without that relational depth, Tom suggests, is a setup for isolation no title or achievement can fix. Ultimately, this episode is a reminder that true wealth isn't only reflected in business growth or financial achievement. It's also found in the strength of the relationships shaping your life, your leadership, and your legacy. Highlights from the Episode Why the people who challenge you are more valuable than the people who celebrate you What a real "band of brothers" looks like in leadership and life How ambition can quietly create distance from meaningful connection The difference between image-driven leadership and leadership rooted in trust and accountability Why true wealth includes the people walking through life with you Listen Now You can listen to Episode 11 of the True Wealth Podcast on your preferred platform: YouTube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.TrueWealthPodcast.com Hosts: Kevin Engbers, CFP®, Senior Wealth Advisor, CEO & Founder, and Nik Aamlid CFP®, CKA®, CAP®, Senior Wealth Advisor, COO Guest: Tom Henderson, RESGEN

    • Transcript
  • May 18 · 41 min

    The Moment That Changed Everything: Dave Austad on Wealth, Health, and What Really Matters

    In this episode of the True Wealth Podcast, Wealth Advisors Kevin Engbers and Nik Aamlid sit down with Dave Austad, President of Austad’s Golf, for a powerful conversation on generosity, legacy, and what it truly means to live a life of impact. Drawing from decades of business experience, family leadership, and personal transformation, Dave shares how giving, when done with the right heart, can shape not only communities, but future generations. Dave begins by sharing the origin story of Austad’s Golf, a business started by his father in 1963 from the trunk of a car. What began as a small side hustle quickly grew into one of the largest golf distributors in the United States. As the business grew, so did a deeper sense of responsibility, not just to succeed, but to give back. A central theme of the episode is the distinction between simply giving money and truly living a life of generosity. Dave challenges the common idea that legacy is about recognition or being remembered, instead emphasizing that true legacy lies in preparing the next generation. By instilling values such as stewardship, faith, and responsibility, families can create a lasting impact that extends well beyond financial inheritance. The goal is not to be known, but to equip others to live meaningful, purpose-driven lives. Dave also shares a deeply personal turning point; his near-fatal heart condition that required emergency surgery. This experience reshaped his perspective on time, wealth, and priorities, reinforcing the idea that life is finite and every day is a gift. This episode serves as a compelling reminder that generosity is not reserved for the wealthy; it is a mindset and a lifestyle. Highlights from the Episode Austad’s Golf began as a side hustle in the trunk of a car and grew into a national business through persistence and opportunity. True generosity goes beyond writing checks: it involves active participation and engagement. Generosity is “caught, not taught,” and is best learned through example and involvement. Legacy is not about being remembered, but about preparing the next generation to live with purpose and responsibility. Near-life experiences can shift perspective, emphasizing the importance of time and intentional living. True Wealth is not measured by accumulation, but by alignment with purpose, faith, and service. Giving breaks the power money can have over individuals and brings deeper fulfillment. Host & Guests: Kevin Engbers, CFP®, Wealth Advisor, CEO & Founder Nik Aamlid, CFP®, CAP®, CKA®, Wealth Advisor Dave Austad, President - Austad’s Golf Listen on: Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/

    • Transcript
  • May 4 · 45 min

    Bring Your Baggage — The Horses Will Help You Get Rid of It: The Story Behind Rock Ranch

    In this episode of the True Wealth Podcast, Kevin sits down with Dan and Marie LaRock, co-founders of Rock Ranch, to explore how purpose, faith, and service can come together to create meaningful impact. Their story is a powerful example of what it looks like to live out core values, follow a calling, and serve others in a way that transforms lives. The conversation begins with the origin of Rock Ranch, a nonprofit founded in 2016 with a mission to help individuals grow physically, cognitively, socially, and emotionally through horsemanship in a Christ-centered environment. What started as a simple idea—sparked by Marie’s background in speech therapy and her experience volunteering with equine-assisted programs—quickly evolved into something much greater. Despite initial hesitation, a series of moments, including a deeply personal spiritual experience, led Marie to recognize a clear calling. With Dan’s support on the operational and business side, the two stepped into that calling together. Ultimately, this episode illustrates how True Wealth is found not in accumulation, but in purpose, service, and the lives we impact along the way. Rock Ranch stands as a living example of what can happen when faith, passion, and action come together to serve a greater good. Highlights from the Episode Rock Ranch was founded in 2016 with a mission to develop individuals through horsemanship in a Christ-centered environment. The organization grew from serving 50 people in its first year to nearly 3,500 individuals annually. A defining moment of calling led to the creation of Rock Ranch, highlighting the importance of listening and responding to purpose. Dan and Marie’s partnership thrives on complementary strengths—program development and business strategy. Programs include youth riding lessons, senior engagement, and equine-assisted counseling for emotional and mental health. The organization operates through a combination of program fees and donor support to remain accessible and sustainable. True wealth is demonstrated through service, stewardship, and positively impacting the lives of others. Host: Kevin Engbers CFP®, Wealth Advisor, CEO & Founder Guests: Dan and Marie LaRock, Co-Founders of Rock Ranch Listen on: Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/

    • Transcript
  • April 20 · 24 min

    The Jugglers - Living the Story You Want to Tell

    When you are raising kids in the middle of a busy life, it is easy to fall into survival mode: working harder, spending more, and chasing what everyone else seems to have. But what if you paused to ask, “Is this the story I want my family to tell?” In this episode, Kevin, Ryan, and Nik have an honest conversation about resisting cultural pressure and choosing purpose over performance. They share personal stories about how their own financial decisions shaped their kids' values, what it looks like to say no in a world of yes, and how true wealth is often found in the quiet, intentional moments. Whether you are navigating sports schedules, school demands, or financial decisions that feel too big to carry, this episode can offer clarity and encouragement. In This Episode How to make financial decisions that reflect your family’s purpose The pressure parents feel to give their kids every opportunity Stories of choosing what aligns with values over what looks impressive Why kids learn more from consistency than comparison What it means to live the story you hope your children will remember “When your kids look back, the goal is not that they had everything and it's that they learned what mattered most.” Hosts: Kevin Engbers CFP®, Wealth Advisor, CEO & Founder Ryan Ovenden CFP®, CKA®, Wealth Advisor Nik Aamlid, CFP ®, CAP®, CKA®, Wealth Advisor Watch or listen to the full episode on YouTube, Spotify, or Apple Podcasts. Explore more resources or connect with a Pinnacle Wealth advisor at PinnacleWealth.com Listen on: Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/

    • Transcript
  • April 6 · 36 min

    The Launchers: Building the Financial Foundation for Life

    The early years of adulthood often feel like a transition between possibility and responsibility. In the stage described as the Launchers, ages 21 and 30, individuals begin building the foundation for the life they want to create. Careers begin to take shape, relationships deepen, and financial habits start forming patterns that can influence decades ahead. These years are exciting but also uncertain, as young adults move from the structured environment of family and education into a world where they are responsible for their own decisions and direction. One theme that emerges clearly during this stage is the importance of understanding money early. Many young adults enter the workforce carrying student loans without fully grasping the long term implications. Financial awareness becomes an essential skill, not just in earning income but in managing it with intention. Learning to view money as a tool rather than the ultimate goal helps shift the focus from accumulation toward stewardship, discipline, and thoughtful decision making. Marriage and family also introduce new financial dynamics. Conversations about money can be difficult, yet they are critical for long term alignment. Couples often bring different perspectives shaped by their upbringing, personality, and values. Honest communication and shared priorities help ensure that the most important goals are addressed first, rather than avoiding the conversations that matter most. Perhaps the most meaningful lesson in this stage is that financial maturity is not defined by perfection but by progress. Early adulthood is a time to establish habits, build discipline, and learn through experience. Whether managing student debt, beginning to invest, or simply becoming aware of spending patterns, the goal is to start building the financial and personal foundation that supports a life of purpose and intentional living. Highlights from the Episode The Launcher stage from ages 21 to 30 is a critical decade where financial habits, career paths, and personal values begin to take shape. Many young adults underestimate the long term impact of student loans and the importance of understanding the true cost of education. Viewing money as a tool rather than a destination helps create a healthier relationship with wealth and financial decision making. Open communication about money is essential in marriage, especially when couples bring different financial perspectives into the relationship. Building discipline, responsibility, and awareness during these early years helps lay the groundwork for long term financial stability. Host: Kevin Engbers, CFP®, Wealth Advisor, CEO & Founder Luke LaRock, NSSA®, Associate Wealth Advisor Dylan Rudningen, Associate Wealth Advisor Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/

    • Transcript
  • March 23 · 50 min

    Now What? Finances After Loss: Planning and Community Support Lessons After Losing a Spouse

    Some conversations about money begin with numbers. Others begin with life. This conversation centers on the latter. Jan Noer and Sandy Fink share their personal journeys after losing their husbands and reflect on the emotional and practical realities that follow the loss of a spouse. Their stories reveal how closely financial preparation and personal support are connected during seasons of grief. Both women describe years spent caring for their husbands while navigating family responsibilities, medical needs, and everyday life. During their marriages, financial responsibilities often fell naturally to one spouse. In Jan’s case, her husband Roger handled most of the financial decisions. Sandy and her husband Jim approached finances together before she gradually took on the day-to-day management. Their experiences highlight a pattern many families recognize. Financial roles often develop organically rather than through intentional planning. After the loss of a spouse, the complexity of financial life becomes more visible. Paperwork, survivor benefits, tax decisions, and coordination across different institutions create a process that can take months or even longer to navigate. Even highly organized families can find themselves working through administrative steps long after the funeral has passed. Planning ahead does not remove grief, but it can reduce confusion and shorten the time it takes to regain a sense of stability. Beyond finances, both Jan and Sandy reflect on a deeper transition. Years spent as caregivers shaped their daily purpose. When that season ended, they had to rediscover how to structure life again. Friendship, faith, volunteer work, and community became important anchors during that adjustment. Their experience reinforces a core idea behind the True Wealth philosophy. Financial clarity matters, but true stability often comes from relationships, shared support, and a sense of meaning that extends beyond money. Highlights from the Episode Many couples naturally fall into financial roles where one spouse manages most financial decisions Losing a spouse often introduces complex administrative and financial tasks that can take months to resolve Organizing financial accounts and documents ahead of time can significantly reduce confusion during a crisis Caregiving often becomes a central life purpose, which creates a major emotional transition after loss Community, friendship, and support groups play a critical role in healing and rebuilding life Holistic financial planning can provide clarity and confidence during major life transitions Listen on: Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCNiKgVZINvFi8TNaFLBE9sI Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: www.TrueWealthPodcast.com Host: Ryan Ovenden, CFP®, CKA®, Wealth Advisor Guests: Jan Noer and Sandy Fink

    • Transcript
  • March 9 · 40 min

    The Challengers - Raising Money Smart Pre-Teens and Teens

    Between ages eleven and twenty, kids transition from dependence to independence. Their relationship with money often mirrors that shift. In this episode Wealth Advisors Kevin Engbers and Ryan Ovenden discuss how to guide children through this pivotal stage with clarity, consistency, and care. From teaching stewardship through everyday choices to preparing teens for financial independence, the conversation is filled with practical insights. These years shape lifelong habits, and parents play a critical role in building a foundation of purpose, gratitude, and responsibility. In This Episode How kids internalize money mindsets through repetition and modeling What parents can do to help children grow into financially wise adults The importance of teaching decision-making, not just saving and spending Lessons in discernment, delayed gratification, and generosity What to say before your teen heads out on their own "Your kids are watching. How you talk about money, how you handle money, and how you model generosity all shape what they carry into adulthood." Hosts: Kevin Engbers CFP®, CEPA®, Wealth Advisor, CEO & Founder Ryan Ovenden, CFP®, CKA®, Wealth Advisor Listen on: Youtube: https://www.youtube.com/@pinnaclewealthsd/playlists Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/ Explore more tools and resources for purposeful financial parenting or connect with an advisor at PinnacleWealth.com to align your financial plan with the values you hope to pass on.

    • Transcript
  • February 23 · 33 min

    The Repeaters: Raising Money Smart Kids

    Talking about money with kids is not always easy, but it is essential. In this episode, Wealth Advisor, Nik Aamlid, CFP®, CKA®, CAP®, shares practical ways parents can begin laying a strong foundation early in their children's lives one that combines financial literacy with purpose-driven decision-making. From stories drawn from real planning conversations to lessons shaped by his own family, Nik explores what it looks like to raise kids who understand the value of money without being defined by it. These insights are not just about saving and spending. They are about instilling confidence, gratitude, and clarity in the next generation. In This Episode Why early money conversations matter more than most parents realize Six practical ways to teach healthy financial habits at home How to help kids think about money without stress or shame What happens when values shape financial behavior A simple next step any parent can take this week "Financial planning is not just about saving. It is about helping your family live according to what matters most." Hosts: Kevin Engbers CFP®, CEPA®, Wealth Advisor, CEO & Founder Nik Aamlid CFP®, CAP®, CKA®, Wealth Advisor Explore more tools and resources for purposeful financial parenting or connect with an advisor at PinnacleWealth.com to align your financial plan with the values you hope to pass on. Listen on: Youtube: https://www.youtube.com/@pinnaclewealthsd/playlists Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Pinnacle Wealth: https://www.pinnaclewealth.com/true-wealth-podcast/

  • February 9 · 32 min

    Building True Wealth Into A Financial Plan

    In this episode of the True Wealth Podcast, the Kevin, Nik and Ryan explore what it truly means to build wealth with intention shifting the focus from simply accumulating money to designing a life rooted in purpose, relationships, and long-term clarity. The conversation reframes financial planning as a journey, one that begins with understanding what matters most before ever talking numbers. Listeners will hear how the 9 Principles of True Wealth can be practically integrated into a financial plan, why uncovering a client’s real pain points is essential, and how a clear statement of financial purpose can help guide decisions through every stage of life. From navigating market volatility to balancing present enjoyment with future goals, this episode offers a thoughtful perspective on aligning money with meaning, and why trust and education are foundational to any lasting financial plan. In This Episode: · Why true wealth is about quality of life and relationships, and not just financial outcomes · How the 9 Principles of True Wealth shape a more intentional financial planning process · The importance of identifying pain points before setting financial goals · How a statement of financial purpose can help bring clarity to financial decisions · Why trust and relationship-building are central to effective financial advising · How to approach market volatility with a long-term, purpose-driven mindset · The role of opportunity cost in aligning money with values · Why teaching financial literacy to the next generation can be a critical part of True Wealth “True Wealth is a way of living — when your money supports what matters most, clarity follows.” Explore more tools and resources or connect with an advisor at PinnacleWealth.com. Start building a plan that reflects your values and supports your family's purpose. "Financial planning is not just about saving. It is about helping your family live according to what matters most." Hosts: Kevin Engbers CFP®, CEPA®, Wealth Advisor, CEO & Founder Nik Aamlid CFP®, CAP®, CKA®, Wealth Advisor Ryan Ovenden CFP®, CKA®, Wealth Advisor Listen on: Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCPP-z-82XKWX1IkwMobM9Tv Start building a plan that reflects your values and supports your family's purpose, connect with an advisor at PinnacleWealth.com.

  • January 25 · 23 min

    Defining Your Vision of True Wealth

    Financial planning is often reduced to charts, spreadsheets, and dollar signs. But what happens when you start with values instead of numbers? In this episode, the advisors at Pinnacle Wealth share how the 9 Principles of True Wealth can reshape the way families approach their financial plans. They explain how purpose-driven conversations lead to clarity and more confident decisions—not just for the future, but for the life you're living now. In This Episode What changes when you stop seeing wealth as the goal The moment clients realize money is not what brings peace How to begin tying financial decisions to personal values Common misalignments between goals and money habits Why true wealth is a worldview, not a destination "True Wealth is everything you have that money can’t buy and death can’t take away." Host/Guest Kevin Engbers CFP®, CEPA®, Wealth Advisor, CEO & Founder Nik Aamlid CFP®, CAP®, CKA®, Wealth Advisor Ryan Ovenden CFP®, CKA®, Wealth Advisor Ready to bring clarity and purpose to your financial life? Visit PinnacleWealth.com to connect with an advisor.

  • January 9 · 21 min

    The Why Behind the Podcast & True Wealth Explained

    Money Is a Tool, Not the Destination True Wealth isn’t about how much you’ve saved. It’s about what your money makes possible. We’re so excited to officially announce the launch of the True Wealth Podcast! Episode one is officially live and ready for you to listen on Apple Podcast, Spotify, and a full video version on our Youtube channel! In our first episode, Kevin Engbers, CFP® CEPA®, Wealth Advisor, Founder and CEO chats with fellow Pinnacle Wealth team’s advisors, Nik Aamlid, CFP®, CAP®, CKA®, and Ryan Ovenden, CFP®, CKA®, to share why this podcast exists and what you’ll want to catch this and the many episodes to come. They dive into why financial planning should begin with purpose, not just projections Because when money serves your values, it means more Listen on: Apple Podcasts: https://podcasts.apple.com/gb/podcast/true-wealth-podcast/id1862811242 Spotify: https://open.spotify.com/show/5Q2PArlpQZO76D6m260ZOp Youtube: https://www.youtube.com/playlist?list=PLabQdKOSXuCPP-z-82XKWX1IkwMobM9Tv Pinnacle Wealth: https://www.pinnaclewealth.com/

Showing 1–20 of 20 episodes