Send us a text

In this episode of the Smarter Vet Financial Podcast, Tom sits down with Baxtr founder Mark Hines to talk about how subscription-based wellness plans can transform access to care, client loyalty, and practice revenue. 

Mark shares his unconventional journey from audio geek and home theater entrepreneur to building simple, powerful membership tools for dental and veterinary practices. 

They dig into why practices tend to overcomplicate wellness plans, how Baxtr removes the “73 clicks” from the process, and why monthly payments and a member mindset are so valuable for both clients and clinics. 

If you’ve been thinking about wellness plans but feel stuck on the logistics, this conversation will give you a practical, low-friction way to finally “just do it.” 

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

Send us a text

In this episode of the Smarter Vet Financial Podcast, Tom sits down with Dr. Bob Murtaugh—founding dean of Rocky Vista University College of Veterinary Medicine, boarded internist and criticalist, and long-time leader in both academia and corporate practice. 

Dr. Murtaugh shares how saying “yes” to unexpected opportunities—from running a teaching hospital in his 20s to helping scale a hospital group from 15 to 350 locations—shaped his career and impact on vet med. They dive into what it really takes to scale without losing culture, how to navigate consolidation with an open mind, and why the best corporate or independent fit comes down to values, leadership, and communication. 

You’ll also hear his perspective on “preferment” instead of retirement, why veterinarians are spelled L-E-A-D-E-R, and the soft skills that matter most if you want a fulfilling, financially strong career in veterinary medicine.

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

Send us a text

The Smarter Vet Financial Podcast welcomes Dr. Brent Mayabb, Global Chief Medical Officer at Royal Canin, for a candid conversation on purpose, communication, and leading across cultures. Brent shares how transparency and psychological safety help teams navigate hard cases, rising client expectations, and burnout risk. He offers a hopeful outlook for a new wave of private practice ownership and the leadership habits that make it work. Listen for practical takeaways and resources you can use with your team today.

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 

Send us a text

In this episode of the Smarter Vet Financial Podcast, hosts Tom Seeko and guest Eric Benke dive into the financial side of veterinary practice ownership, focusing on the power of key performance indicators (KPIs) to drive profitability and growth. They explore metrics like client retention, revenue per DVM, and net profit margin—explaining how tracking the right numbers can reveal hidden gaps, improve compliance, and guide smarter business decisions. Eric also shares how implementing wellness plans can boost visit frequency and strengthen client relationships. Whether you're just starting to track metrics or looking to optimize your operations, this episode delivers actionable strategies for long-term success.

If you’d like to contact Eric about Kanter Consulting Group’s services or if you have any questions, visit their website here or call 813-855-5433. 

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

Send us a text

Should you pay off debt faster or focus on saving money? It’s one of the most common—and confusing—financial questions veterinarians face. In this episode, Tom and CJ unpack the trade-offs, emotions, and math behind debt repayment versus saving, sharing simple frameworks that help you find balance instead of burnout. Learn how to create financial freedom within your money habits, so you can build wealth while still sleeping at night.

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

Send us a text

Have you ever paid less for something and later realized it cost you more in time, stress, or mistakes? In this episode, Tom and CJ break down one of the most confusing money concepts—value versus price—and how it shows up in everything from investing to client care. They share real-life examples that help veterinarians think beyond “what does it cost?” and start asking “what is it worth?” Learn how reframing your decisions around value can lead to better outcomes for your practice, your money, and your peace of mind.

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

Send us a text

Many veterinarians switch advisors for reasons that have nothing to do with performance—and everything to do with communication, clarity, and trust. In this episode, CJ and Tom unpack the most common breakpoints: “I never hear from them,” unclear fees and value, chasing returns without a real plan, and relationships that simply outgrow the advisor. They explain how to set expectations, what a true plan looks like beyond investments, and why simple, repeatable decisions compound more than headline returns. If you’re wondering whether your current relationship is working, this conversation gives you a thoughtful checklist—and a nudge to get a second set of eyes if something feels off.

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

Send us a text

In this episode of the Smarter Vet Financial Podcast, Tom Seeko sits down with Dr. Molly McAllister, Global Chief Medical Officer at Mars Veterinary Health, for a candid conversation about growing as a leader, keeping your energy high, and making an impact that reaches far beyond individual appointments. Molly shares her non-linear path from equine and small-animal practice to executive leadership, why veterinarians are uniquely equipped to lead, and how simple habits (and clear communication) create sustainable performance.

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

Send us a text

Talking about money in VetMed shouldn’t feel taboo—but it often does. In this episode, Tom and CJ unpack why money talk triggers identity, emotion, and power dynamics for veterinarians, and how culture (and student loans) can make it worse. You’ll hear practical ways to build confidence—like tracking net worth yearly, setting values-based goals, and creating a guilt-free zone for financial conversations. If you’re ready to replace shame with clarity, this one’s for you.

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

Send us a text

Your 60s are the crucial handoff from a paycheck to a “balance-sheet paycheck.” In this episode, Tom and CJ break down five common challenges veterinarians face in that decade: mindset shift, debt decisions (including mortgages), retirement income confidence, healthcare/Medicare gaps, and estate/legacy readiness. You’ll hear practical ways to align savings, risk, and taxes so your lifestyle doesn’t have to shrink after you stop practicing. If this helped you, share it with a colleague and leave a rating so more vets can find the show.

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

Send us a text

Feeling the shift as you move through your 50s? In this candid episode, Tom Seeko and CJ Burnett explore the decade when retirement becomes real, bodies change, and financial priorities shift in ways that can feel overwhelming. They talk about how to avoid risky investment moves, prepare for the realities of caring for both children and aging parents, and make wise choices around debt, housing, and estate planning. By connecting health habits with financial outcomes, they show how small, intentional steps today can protect your wealth and help you step into retirement 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
Instagram-https://www.instagram.com/flveterinaryadvisors/
YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665 

Send us a text

360 Vet Sales (free valuation & consult): 360VetSales.com
Contact: kia@360vetsales.com | matthew@360vetsales.com

Thinking about selling your hospital in the next 1–5 years—or just want to know your options? In this episode, Tom Seeko talks with Matt Arena (Founder) and Kia Banisadre (Business Development Officer) of 360 Vet Sales about what it really takes to prepare, go to market, and land a deal you’ll feel good about long after closing.

In this conversation, you’ll learn:

• Misconceptions that cost owners money (it’s not “corporate = bad,” and you don’t have to be ready to retire tomorrow).
• Face value vs. market value: why competition among buyers (not just your P&L) drives price.
• The 12–24 month prep window: what to fix now in margins, pricing, and reporting to boost valuation.
• Your deal team: tax pro, financial advisor, M&A attorney—and why a broker often pays for themselves.
• The emotional side of selling: protecting staff, preserving standard of care, and honoring your legacy.

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
 Instagram- https://www.instagram.com/flveterinaryadvisors/
 YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a text

Your 40s can feel like the “crunch decade”—income peaks, expenses pile up, and retirement starts to feel real. In this episode, Tom Seeko and CJ Burnett unpack how to balance saving with lifestyle and college costs, avoid lifestyle creep, and shift from “set it and forget it” to intentional planning. They dig into career pivots and burnout in veterinary medicine, plus why insurance and estate planning (wills, trusts, beneficiaries) can’t wait. You’ll leave with simple moves to prioritize your future self without neglecting the people you love today.

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 

Send us a text

Your 30s can feel like a financial tug-of-war—student loans, mortgages, childcare, career moves, and even the first itch of practice ownership all competing for the same dollars. CJ and Tom break down how to set clear priorities, build a right-sized emergency fund (not a one-size-fits-all $1,000), and save while paying down debt so you’re not negotiating “this or that” when “this and that” is possible with a plan. They also cover boundaries to avoid burnout, why insurance and basic legal docs matter now, and a simple target to automate 20% of income toward assets that produce future cash flow. If you’re making more than ever but still feel paycheck-to-paycheck, this one’s for you.

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

Send us a text

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

Send us a text

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

Send us a text

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

Send us a text

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

Send us a text

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

Send us a text

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

Send us a text

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
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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

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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

Send us a text

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

Send us a text

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