For a long time, truly personalized investment advice has been something only the ultra-wealthy could access.

If you have tens of millions of dollars, you can hire advisors who don't just sell you products. They build strategies around your entire financial life. But everyone else gets standardized portfolios and is told to keep contributing to their retirement accounts and stay the course.

That's starting to change.

A new approach to financial advice is emerging, one built around a fee-for-service strategy instead of product sales.

Instead of paying someone based on how much money they manage or what investments they sell you, investors can now pay directly for expertise, planning, and financial architecture.

That means for the first time, the level of thinking that was mostly reserved for high-net-worth investors is now available to everyday investors who want a more strategic approach to building wealth.

In this episode, investment advisor and fractional CEO, COO, and CRO Stefan Astheimer joins me to talk about how this model works, why the traditional advisory system is evolving, and how investors who understand this shift may gain a serious edge.

Things You'll Learn In This Episode

Most financial advice was never designed to be personal For decades, financial advisors were paid based on products sold or assets managed. But if your advisor's incentives shape the advice you get, how personalized can that advice really be?

The edge for everyday investors Could separating advice from product sales finally give ordinary investors access to the kind of guidance the wealthy get?

Paying off debt or building wealth first Many people assume eliminating debt should always come before investing. But when interest rates, tax advantages, and opportunity costs come into play, how do you decide which move actually builds wealth faster?

AI makes great financial advisors more valuable, not less Many people assume AI will replace advisors. But what if technology actually increases the demand for high-level strategic guidance?

Disclaimer

This content is for educational purposes only and is not investment advice. No specific recommendations are being made. Please consult a qualified financial professional before making any investment decisions.

This webinar is for educational and informational purposes only. Any discussion of strategies reflects general concepts and examples based on the speakers' own experience and perspectives, not personalized investment advice. Forward-looking statements, illustrations, or examples are not guarantees of future results. All investments involve risk, and results may vary. Viewers should consult their own qualified advisor before making any financial decisions.

Investing involves risk, including the potential loss of principal. Past performance is no guarantee of future results.

Additional information about PMC Wealth, LLC is available in its Form ADV, which is available upon request or by visiting www.adviserinfo.sec.gov.

The 'Inverse Cramer' ETF referenced in this discussion previously existed but has since been closed. This mention is for illustrative purposes only and is not a recommendation.

Guest Bio

Stefan Astheimer is a fractional CEO, COO, and CRO who works with founder-led and regulated businesses to turn growth into something more structured, scalable, and commercially effective. He specializes in revenue expansion, operating strategy, and transaction readiness, helping companies strengthen performance while building long-term enterprise value. Stefan studied applied mathematics at Yale and has deep experience across wealth management, advisory, insurance, and other financial services environments where complexity is high and execution matters. To learn more, visit https://pmcwealthadvisors.com/

About Your Host

From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier.

His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.

Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.

Resources

Private Money Guide: https://go.moneyschoolrei.com/book-podcast

Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast

Mapping out the Millionaire Mystery: https://go.moneyschoolrei.com/newbook-podcast