Episode 178 - The Biggest Problem Every Veterinarian Has in Their 20s
Smarter Vet Financial Podcast
Your 20s bring a whirlwind of firsts—new job, new income, new decisions—and most vets feel pulled between “pay off debt now” and “start living life.” In this episode, Tom and CJ share a balanced approach: build habits first, right-size your emergency fund, and save while paying loans so you don’t trade a 6% loan for 20% credit card debt later. You’ll hear simple boundaries to prevent lifestyle creep and burnout, plus practical cues for when it’s actually okay to make the big purchase. If you want confidence, not chaos, as you launch your career, start here.
Watch the no-cost 5-part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
Instagram-https://www.instagram.com/flveterinaryadvisors/
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665
Episode 177 - Scared of Change?
Smarter Vet Financial Podcast
In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko dive into the psychology of change—why some people chase it and others avoid it at all costs. From personal habits to financial planning, they explore how meaningful growth often demands stepping outside your comfort zone. You’ll hear insights on overcoming resistance, dealing with lifestyle creep, and making space for the behaviors that lead to lasting success. If you’ve ever struggled with change, this conversation will challenge your mindset and equip you with practical ways to move forward with clarity and confidence.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Interview with Dr. Michele Drake - A Journey of Vision, Growth, and Impact
Smarter Vet Financial Podcast
In this episode of the Smarter Vet Financial Podcast, Tom Seeko interviews Dr. Michelle Drake—veterinarian, author, and long-time practice owner. Dr. Drake shares how she built a mission-driven veterinary practice, the importance of planning and leadership, and why working on your business matters. She also discusses the challenges of staying independent and her transition into speaking and writing to mentor others. Tune in for expert advice on veterinary practice management, leadership, and sustainable growth.
Learn more about Genius Vets and the work they do here and consider purchasing Dr. Drake's book, Veterinary Leadership: A Practical Guide for Practice Owners and Managers here!
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 176 - Your Financial Destiny—Not Enough, Plenty, or Don't Care
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Podcast, CJ Burnett and Tom Seeko dive into the often-overlooked emotional and behavioral side of financial planning. From the weight of student loans to the comfort of feeling financially secure, they unpack the different mindsets people have about their futures—and how those perspectives shape real-world outcomes.
They explore how spending and saving habits, tax management, and overall financial awareness can either accelerate or stall your growth. You’ll discover why understanding your “financial camp” is key, and how proactive planning can replace uncertainty with peace of mind.
If you’ve ever wondered how to break free from financial stress and make your money work harder for you, this conversation is packed with insights to help you get there.
🎧 Tune in, rethink your approach, and start building the future you want—today. Have questions? Reach out to us: info@nextstepfinances.com
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 175 - Want Better Follow-Through? Make It Easier to Say Yes
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko dive into a powerful yet often overlooked principle in both veterinary practices and financial planning: make it easy. They unpack how simplifying client interactions, streamlining internal processes, and being mindful of cognitive biases can drastically improve decision-making, satisfaction, and follow-through.
Whether you're scheduling appointments or guiding financial choices, reducing friction is the key to better outcomes. Tune in to learn actionable strategies to create a more welcoming experience, limit overwhelm, and ultimately build stronger, longer-lasting client relationships.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 174 - Fact or Bias? What's Your Financial Plan Built On
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Financial Podcast, hosts CJ Burnett and Tom Seeko unpack why even high earners often struggle to save—and what to do about it. After some lighthearted banter, they dive into the psychology behind spending and introduce a powerful solution: the Wealth Coordination Account (WCA).
This simple but strategic system involves routing all income into a separate account before sending a controlled amount to your personal checking. The result? You limit lifestyle creep and start saving with intention.
CJ and Tom explain how this structure helps remove emotion from your financial decisions, keeps your spending in check, and aligns your money with long-term goals. If you’re ready to break free from unproductive habits and take control of your cash flow, this episode is a must-listen.
Need help setting it up? Reach out to our team—we’re here to guide you: info@nextstepfinances.com.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 173 - For Practice Owners: Selling Your Business Way Before You Retire
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Podcast, CJ Burnett and Tom Seeko break down what business owners need to know about selling their business — from why timing is critical to why age shouldn’t dictate your exit. They challenge traditional views of retirement, highlight the difference between revenue and true profit, and explain how intentional living and solid financial planning can help you achieve independence beyond your business. If you’re thinking about selling or planning for the future, this episode is a must-listen.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Interview with Dr. Link Welborn - Owning a Practice in an Age of Inflation and Innovation
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Podcast, cohost Tom Seeko sits down with Dr. Link Welborn—veterinarian, entrepreneur, and founder of Veterinary Management Groups (VMG)—to explore the evolving landscape of veterinary practice ownership. They dive into the core traits of successful owners, the ongoing pressures of inflation and client affordability, and the growing role of AI in streamlining operations like medical record-keeping.
To learn more about VMG, visit here. Connect with Dr. Welborn on LinkedIn or via email.
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 172 - 5 Critical Insurable Interests Every Veterinary Practice Owner Should Know
Smarter Vet Financial Podcast
Life insurance is about more than just replacing income — especially for veterinary practice owners. In this episode of The Smarter Vet Podcast, Tom Seeko and CJ Burnett break down the five key insurable interests every practice owner should understand: human life value, business value, key person coverage, outstanding debts and mortgages, and estate planning strategies. You’ll learn how each of these plays a role in protecting your practice, securing your family’s future, and ensuring your business can thrive even during unexpected challenges. Tune in to discover how proper risk management through life insurance can help you build a more resilient and confident financial future.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 171 - Decoding Home Ownership: Your Guide to Smart Buying
Smarter Vet Financial Podcast
Thinking about buying a home? In this episode of The Smarter Vet Podcast, Tom Seeko and CJ Burnett unpack what every veterinary professional should know before purchasing property. From financial preparedness and market timing to avoiding overspending and aligning your purchase with personal and lifestyle goals, this episode is packed with actionable insights. Tom and CJ also highlight the value of working with experienced mortgage brokers and real estate agents — and why getting pre-approved before house hunting can make or break your success. Don’t miss this essential guide to stress-free and financially sound homeownership in today’s competitive housing market.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
A Candid Talk About Mental Health with Dr. William Anton, Licensed Psychologist and 3-Time Book Author
Smarter Vet Financial Podcast
In this eye-opening episode of the Smarter Vet Financial Podcast, hosts Tom Seeko and CJ Burnett sit down with Dr. William Anton, founder of CEOeffectiveness.com, for a powerful discussion on personal development and the often-overlooked importance of mental health—especially among high-performing professionals.
Dr. Anton challenges the outdated stigma around therapy and psychological coaching, describing it as the “emotional equivalent of graduate school” for those seeking to live and lead more effectively. He unpacks how early life experiences shape the way we see ourselves and the world—and how many of those beliefs quietly limit our potential.
From redefining mental health beyond clinical labels to embracing a holistic, strengths-based approach to growth, this episode dives deep into what it truly means to become your best self. Whether you're a practice owner, team leader, or simply striving to grow, this is a must-listen for anyone ready to confront their inner barriers and unlock lasting personal and professional effectiveness.
To contact Dr. Anton, or to purchase one of his books, please visit CEOeffectiveness.com.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances -
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ - https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice -
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Interview with Dr. Peter Weinstein - Why Most Vet Practices Struggle—and How to Fix It
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Podcast, Dr. Peter Weinstein shares his journey from veterinarian to business leader and offers practical insights on improving veterinary practice operations. He discusses the growing challenges of work-life balance, financial stress, and corporate influence in the industry. The conversation centers on the need for better systems, processes, and team training to boost efficiency, trust, and leadership—ultimately helping bring fulfillment and fun back to veterinary medicine.
To learn more about Dr. Weinstein’s book, “The E-Myth Veterinarian,” go here. Connect with Peter on LinkedIn here.
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
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Interview with Eileen Rice - Estate Planning Essentials to Protect Your Family and Your Future
Smarter Vet Financial Podcast
In this episode of the Smarter Vet Podcast, Tom Seeko is joined by estate planning specialist Eileen Rice to unpack the critical components of a solid estate plan. They discuss why estate planning isn’t just for the wealthy or elderly—it’s for anyone with assets or dependents who wants to avoid unnecessary complications and costs. Eileen explains key documents like medical directives, powers of attorney, wills, and living trusts, emphasizing how a personalized plan can protect your well-being and ease the burden on your loved ones. Tune in to learn why taking action now provides the ultimate peace of mind later.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances -
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment -
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice -
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 170 - Annuities: Sorting Fact from Fiction in Your Financial Plan
Smarter Vet Financial Podcast
In this episode of the Smarter Vet Podcast, Tom Seeko and CJ Burnett tackle the common myths and misconceptions about annuities. From misunderstandings about high fees to assumptions that annuities are only for retirees, they break down what you really need to know. Tom and CJ explain key features like surrender charges, internal costs, and guaranteed income options, highlighting why it’s essential to dig deeper than the online noise. Tune in for a clear, balanced perspective on a topic that’s often misunderstood.
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances -
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment -
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice -
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 169 - Mixtapes, Memories, and Mayhem: A Nostalgic Dive Into Our Musical Journeys
Smarter Vet Financial Podcast
In this lighthearted "nonsense episode," we rewind the clock to reminisce about the music that shaped our younger years—think 90s boy bands, 80s rock anthems, hip-hop classics, and even the occasional children's song. Fast-forward to today, and our playlists have evolved to feature everything from EDM to Christian rap. Join us as we share laughs, swap memories, and talk about one host’s adventure learning the acoustic guitar. If you're ready for a nostalgic trip with a modern twist, hit play!
Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment-
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice-
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Interview with Dr. Jennifer Merlo, VP of Veterinary Affairs at Fear Free—Redefining the Veterinary Career Path
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Podcast, host Tom Seeko talks with Dr. Jennifer Merlo, Vice President of Veterinary Affairs at Fear Free. Dr. Merlo shares her unique career path—from clinic ownership to corporate leadership—highlighting the real challenges of HR, marketing, and financial stress in veterinary practice. She opens up about the importance of financial planning, especially after becoming a parent, and how a trusted advisor made all the difference. The episode also explores the mission behind Fear Free and how it’s transforming the veterinary experience for pets, clients, and teams.
To learn more about Fear Free and their mission, visit here. Connect with Jennifer on LinkedIn here.
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
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Episode 168 - What’s Really Driving the Economy Right Now—And Why It Matters to You
Smarter Vet Financial Podcast
In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down how current global events, inflation, and rising interest rates are affecting both the economy and everyday financial decisions—from buying a home to running a veterinary practice. They explore why pricing adjustments are crucial for business owners, how to navigate uncertain investment opportunities, and the difference between smart investing and speculation. Tune in for practical tips on building long-term financial stability through budgeting, planning, and emergency savings.
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
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Episode 167 - Do You Have Enough Life Insurance?
Smarter Vet Financial Podcast
In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down the critical role life insurance plays for veterinarians and business owners. They cover the key differences between term and permanent policies, common uses beyond just death benefits—like income replacement and business buyouts—and why reviewing your coverage regularly is essential. Whether you own a practice or just want peace of mind, this episode helps you align your life insurance with your financial goals.
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
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Episode 166 - How to Check the Health of Your Money Like You Do Your Patients
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Podcast, Tom Seeko and CJ Burton simplify financial health by comparing it to checking a patient’s vitals. You’ll learn the four key "financial vital signs"—cash flow, net worth, debt, and emergency fund—and how small steps like tracking spending can improve them. Progress, not perfection, is what leads to less stress and more control.
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
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Episode 165 - Chapter 4: Unleashed, The Financial Clarity Every Veterinarian Needs
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Financial Podcast, we dive into Chapter 4 of our book, “Unleashed: The Financial Clarity Every Veterinarian Needs,” focusing on one of the most powerful yet often ignored habits: intentional saving. We explain why aiming to save 20% of your income creates more than just wealth—it builds stability, flexibility, and confidence in your financial future. You’ll learn the difference between saving to spend and saving to build, why emergency funds shouldn’t be lumped in with long-term investments, and how to resist the pressure to overspend in life.
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels:
Facebook – https://facebook.com/flvetadvisors
LinkedIn – https://linkedin.com/company/flvetadvisors
YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Interview with Dr. Ernie Ward—Finding Joy in Veterinary Life and Beyond
Smarter Vet Financial Podcast
In this episode of The Smarter Vet Financial Podcast, we chat with Dr. Ernie Ward—veterinarian, author, and pet advocate—about finding joy in veterinary life and beyond. He shares insights on overcoming self-doubt and navigating toxic work environments, and debunks the myth that price is the primary concern for clients. Dr. Ward highlights the power of self-leadership, staying curious, and prioritizing mental, physical, and emotional health—starting with quality sleep.
Learn more about Dr. Ward and contact him: Dr. Ernie Ward, DVM, CVFT | Instagram, Facebook | Email
Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”
Buy Now: Book – Unleashed | Florida Veterinary Advisors
—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment:
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time: https://flveterinaryadvisors.com/contact-us
Check out our social media channels:
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 164 - How Could Tariffs Change the Way You Live?
Smarter Vet Financial Podcast
Cohosts CJ Burnett and Tom Seeko dive into the anxiety many veterinarians feel about current events, like tariffs and economic uncertainty. While we can’t control everything, they highlight how having a financial plan in place ahead of time can help you stay calm and avoid knee-jerk decisions. Just like preventative care in veterinary medicine, a solid financial plan helps you prepare for the unexpected. They also suggest looking into guaranteed and liquid investments—and focusing your energy on the things you can control.
Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”
Buy Now: Book – Unleashed | Florida Veterinary Advisors
—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 163 - For Veterinarians That Worry A LOT
Smarter Vet Financial Podcast
Cohosts CJ Burnett and Tom Seeko discuss a heavily felt topic that is not often talked about openly. There are good reasons why people stress, and sometimes those stressors can be a result of poorly communicated expectations and prior life experiences. This episode is meant to help expand your mind and, hopefully, see things a bit differently than before to "unstuck" yourself.
They explore the impact of negative thinking and stress on overall well-being, drawing parallels between mental burdens and physical hindrances. The hosts discuss strategies for managing worry and achieving a healthier mindset, referencing personal experiences and the importance of acknowledging and processing difficult emotions. Ultimately, they advocate for personal growth as a continuous pursuit of inner peace amidst life's inevitable challenges.
Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”
Buy Now: Book – Unleashed | Florida Veterinary Advisors
—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 162 - Things to consider when transferring an IRA to a 401(k)
Smarter Vet Financial Podcast
Cohosts CJ Burnett and Tom Seeko discuss a common question people ask when a veterinarian starts a new job or when a practice owner starts a 401(k). Before combining all your IRAs into an employer-provided 401(k), there are a few vital considerations and questions to ask. Join CJ and Tom before taking that next step so you can get the most from your savings and investments.
Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”
Buy Now: Book – Unleashed | Florida Veterinary Advisors
—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Interview with Bill Murray, Wicklow Healthcare Advisory—Selling Your Veterinary Practice
Smarter Vet Financial Podcast
Selling a veterinary practice is a major decision that requires careful planning and strategy. In this episode, Tom Seeko, co-founder of Florida Veterinary Advisors, sits down with Bill Murray, founder of Wicklow Healthcare Advisory, to discuss the evolving landscape of practice sales. With 25 years of experience in the veterinary industry—primarily in lending—Bill now helps veterinarians navigate their exit strategies.
From financial readiness to understanding the emotional side of selling, they break down key factors every practice owner should consider. Whether you're thinking about selling in the near future or just starting to plan your exit, this conversation offers valuable insights on maximizing practice value, avoiding common pitfalls, and ensuring a smooth transition for your team and clients.
Find Wicklow Healthcare Advisory on Linkedin
Find Wicklow Healthcare Advisory on X
Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”
Buy Now: Book – Unleashed | Florida Veterinary Advisors
—–
Extra resources galore!
Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/
Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.
5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/
Find out what you could be overlooking within your practice by taking our brief assessment
Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/
Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.
Schedule a time-https://flveterinaryadvisors.com/contact-us
Check out our social media channels
Facebook-https://facebook.com/flvetadvisors
LinkedIn-https://linkedin.com/company/flvetadvisors
YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Episode 178 - The Biggest Problem Every Veterinarian Has in Their 20s
24:11
Episode 177 - Scared of Change?
20:56
Interview with Dr. Michele Drake - A Journey of Vision, Growth, and Impact
23:46
Episode 176 - Your Financial Destiny—Not Enough, Plenty, or Don't Care
21:33
Episode 175 - Want Better Follow-Through? Make It Easier to Say Yes
18:34
Episode 174 - Fact or Bias? What's Your Financial Plan Built On
18:46
Episode 173 - For Practice Owners: Selling Your Business Way Before You Retire
20:09
Interview with Dr. Link Welborn - Owning a Practice in an Age of Inflation and Innovation
21:54
Episode 172 - 5 Critical Insurable Interests Every Veterinary Practice Owner Should Know
18:27
Episode 171 - Decoding Home Ownership: Your Guide to Smart Buying
26:49
A Candid Talk About Mental Health with Dr. William Anton, Licensed Psychologist and 3-Time Book Author
43:52
Interview with Dr. Peter Weinstein - Why Most Vet Practices Struggle—and How to Fix It
27:17
Interview with Eileen Rice - Estate Planning Essentials to Protect Your Family and Your Future
32:44
Episode 170 - Annuities: Sorting Fact from Fiction in Your Financial Plan
21:43
Episode 169 - Mixtapes, Memories, and Mayhem: A Nostalgic Dive Into Our Musical Journeys
19:20
Interview with Dr. Jennifer Merlo, VP of Veterinary Affairs at Fear Free—Redefining the Veterinary Career Path
24:49
Episode 168 - What’s Really Driving the Economy Right Now—And Why It Matters to You
19:25
Episode 167 - Do You Have Enough Life Insurance?
19:40
Episode 166 - How to Check the Health of Your Money Like You Do Your Patients
20:01
Episode 165 - Chapter 4: Unleashed, The Financial Clarity Every Veterinarian Needs
11:43
Interview with Dr. Ernie Ward—Finding Joy in Veterinary Life and Beyond
29:38
Episode 164 - How Could Tariffs Change the Way You Live?
19:40
Episode 163 - For Veterinarians That Worry A LOT
22:53
Episode 162 - Things to consider when transferring an IRA to a 401(k)
17:38
Interview with Bill Murray, Wicklow Healthcare Advisory—Selling Your Veterinary Practice
28:46