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Financial Symmetry: Balancing Today with Retirement

Chad Smith, CFP® and Mike Eklund, CFP®

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When considering retirement, do you wonder what financial opportunities you may be missing? Busy lives take over and years pass without taking advantage. In this retirement podcast, Chad Smith and Mike Eklund unveil financial opportunities, to help you balance enjoying today so you are ready to retire later. By day, they are fiduciary fee-only financial advisors who answer questions about tax savings, investment decisions, and how to save more. If you’ve been putting off your financial to-do ...
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Money can be an intimidating topic, particularly for artists and creative professionals. The Artful Dollar aims to change that by having money conversations with Artists as well as financial service professionals. Ryan Roi, the host of TAD, is a tattoo artist, entrepreneur and spiritual seeker offering 1:1 and group coaching to help people build healthy, thriving relationships with money.
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The second quarter of 2025 was anything but dull in the financial world. But despite the turbulence, both US and international stocks finished the first half of the year up over 10%. Over the last 12 months, markets have performed robustly, returning 14-19%. Bonds have also held their own, with 6% returns over the last year. Investors have endured …
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In this episode of the Artful Dollar, host Ryan Roi dives into the intricate relationship between time and money, emphasizing the importance of time management for maximizing income. Ryan shares personal experiences and practical advice for tattoo artists, including the benefits of virtual consultations via Zoom, the importance of using scheduling …
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Tax season may feel far off, but with sweeping legislative changes just passed, proactive financial planning starts now. In this episode, we’re sharing our accessible, in-depth breakdown of the new Big Beautiful Bill, highlighting ten key tax provisions that every taxpayer should understand. Outline of This Episode [00:00] Summarizing the latest ma…
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In this episode of the Artful Dollar Podcast, host Ryan Roi continues to share insights from 'The Richest Man in Babylon' by George S. Clason. Ryan reads from the book and adds his own thoughts, giving you practical steps to build wealth and financial security. Learn why budgeting matters, how to start saving and investing, and how to protect and g…
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When is enough, enough? Many investors have recently found solace in growing their cash reserves, whether in their checking accounts, savings accounts, or certificates of deposit (CDs). With attractive yields and recent market turbulence still fresh in mind, it’s easy to assume that loading up on cash is a safe strategy. But there’s a hidden cost t…
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In this episode of the Artful Dollar Podcast, host Ryan Roi explores the powerful concepts from the timeless book 'The Richest Man in Babylon.' Discover why investing in yourself is the greatest move you can make, and learn actionable steps to ensure your money works for you. From personal anecdotes to ancient wisdom, this episode inspires you to r…
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In this episode of The Artful Dollar Podcast, host Ryan Roi welcomes Lewis Black-Symmetry, a renowned tattoo artist based in Portugal. Known for his mastery in geometric tattooing and educational contributions, Lewis discusses his journey of merging conceptual modern art with tattooing. Together they explore topics like client relationships, the si…
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At Financial Symmetry, our internship program has become a core pillar of our growth, innovation, and client experience. Over time, our program grew from simply filling resource gaps to a foundational development engine, helping to shape the services Financial Symmetry offers and the team culture itself. What has emerged from these iterations is th…
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In this episode of the Artful Dollar Podcast, host Ryan Roi dives deep into the concept of manifestation, combining scientific theories and personal experiences to explore how mindset influences financial success. Ryan shares a transformational guided meditation exercise designed to help listeners visualize and create their perfect day, aiming to s…
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In this episode of The Artful Dollar podcast, Ryan Roi hosts Nicholas Dempsey, a skilled tattoo artist and entrepreneur from London. Together they discuss Nicholas's transformational journey from being a traditional tattoo artist to a successful business owner, and the pivotal role mentorship and mindset shifts played in his growth. Nicholas shares…
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In this episode of the Artful Dollar Podcast, host Ryan Roi takes an analytical look into the profound connection between self-expression and business success for tattoo artists. Using an AI-based model of Carl Jung, Ryan explores how psychological barriers impact social media engagement and client attraction. Learn how embracing your authentic sel…
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Claiming Social Security as soon as you become eligible at age 62 is a common choice for Americans. While understandable, this decision can have significant, and often underappreciated, long-term consequences. For many, the urge to claim early may stem from financial necessity, lack of other income sources, or simply a desire to “get what you’ve pa…
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In this episode of The Artful Dollar podcast, Ryan Roi shares a conversation with Rob Smead, owner of Electrum Tattoo Supply and host of The Business of Tattooing podcast. Rob and Ryan discuss topics affecting the tattoo industry today, including the intersection of art and business, the importance of marketing, and financial coaching tailored spec…
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In this episode of The Artful Dollar, Ryan sits down with fellow tattoo artist and owner of Upside Tattoo in Texas, Andy Pho. Andy is passionate about mentorship and coaches people not only in business matters but also in personal development. The main objective is to become the best version of yourself in everything and anything that you do. Toget…
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Chad and Mike break down the major moves in US and international markets from the past quarter, revealing why diversification works unexpectedly. They chat through the impact of recent tariff news, what those headlines might mean for the economy and your portfolio, and share evidence-based strategies for taking action (or not!) when markets get roc…
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In this episode of The Artful Dollar Podcast, host Ryan Roi is joined by tattoo artist David Bruehl. Together they discuss the philosophy of not taking tattooing too seriously while still approaching it with depth and making tattooing kinder to oneself and others. David shares his insights on the importance of authenticity in one's artistic career …
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In this episode of the Artful Dollar Podcast, host Ryan Roi breaks down the often overlooked psychological barriers that keep tattoo artists and creatives from achieving financial success. Ryan guides listeners through a mindset-shifting exercise designed to identify and challenge limiting beliefs about money and marketing. By sharing his personal …
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Market volatility is never comfortable, but with the right mindset and a thoughtful plan, you can face downturns not as a victim, but as an opportunist. On this episode of the Financial Symmetry Show, we’re sharing our advice on managing your finances amid turbulent markets and giving you a helpful checklist to guide your decision-making when headl…
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In this episode of the Artful Dollar Podcast, host Ryan Roi steps into the heated debate surrounding AI in the tattoo industry. Addressing key concerns such as AI's environmental impact, accusations of plagiarism, and claims of 'cheating,' Ryan presents a balanced view to help tattoo artists make informed decisions. Whether you're for or against AI…
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Tax planning might not top everyone's list of leisure activities, but in the middle of tax season there’s a hidden opportunity. What if, instead of seeing it as a mere logistic hurdle, we embraced it as a moment to refine our financial strategy? *********** 📰 See the full show notes here 🌐 Sign up here to receive a detailed pre-retirement checklist…
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In this episode of the Artful Dollar, Ryan sits down with Instagram Wizard Brock Johnson. Brock is the CEO & Founder of InstaClubHub which provides coaching and education on building a successful business on Instagram. This conversation is brimming with great tips and strategies for creating content that is meaningful and that will help your busine…
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In this episode of 'The Artful Dollar,' Ryan Roi examines the transformative power of business when viewed as a spiritual practice. Ryan shares his journey of struggling with mental illness and addiction to finding sobriety and spirituality through 12-step programs. He has found these same emotional and spiritual tools play a crucial role in runnin…
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What if your retirement lasts much longer than you anticipated? Increasing life expectancies have reshaped our understanding of retirement and financial planning in recent years, and we’ll likely become more concerned about effectively managing financial resources throughout a potentially very long life in the future. In this episode, we’re sharing…
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In this episode of The Artful Dollar podcast, host Ryan Roi interviews Nic Duque, a tattoo artist who transformed his life after completing the Artful Dollar financial coaching program. Nic shares his journey from living paycheck to paycheck to owning multiple tattoo shops and achieving financial stability. He discusses the importance of mindset sh…
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In this episode of The Artful Dollar podcast, host Ryan Roi tackles the essential but often daunting subject of taxes with the help of tax professional Adam from Nomadica Solutions. Together they emphasize the importance for tattoo artists to understand their finances and take the correct steps to avoid potential IRS problems. This discussion cover…
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We're spotlighting women's wealth in honor of International Women's Day and Women's History Month. Join us as we dig into some of the stats surrounding women's financial empowerment. From the rising number of women controlling wealth as they outlive their spouses to tackling stereotypes that hinder women's earning potential, this episode addresses …
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Four categories are recognized under current regulations to qualify as an Eligible Designated Beneficiary (EDB). These include the surviving spouse, minor children of the decedent, a disabled or chronically ill individual as assessed at the time of the decedent's passing, and other individuals who are no more than ten years younger than the decease…
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In this episode of The Artful Dollar Podcast, host Ryan Roi reflects on his enriching experience in Costa Rica with three tattoo juggernauts: Dan Kubin, Myke Chambers, and Ben Shaw. Ryan shares the valuable lessons learned from their discussions on the future of tattooing, the impact of toxic masculinity, and the importance of trusting in your purp…
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In this episode of The Artful Dollar Podcast, host Ryan Roi sits down with exceptional tattoo artist, Jordi Pla, to discuss his journey, techniques, and mindset required to excel in the tattoo industry. Together they explore Jordi's experiences at conventions, his approach to constant learning, and how he transitioned from aerospace engineering to …
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In this episode of The Artful Dollar Podcast, host Ryan Roi chats with one of his favorite tattoo artists, EL-J (also known as @eight.coins on Instagram). Together they explore the often toxic relationship artists have with money, how EL-J paid off over $150,000 in debt using the Dave Ramsey snowball method, and their innovative approach of 'drawin…
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Investing can often feel like riding a rollercoaster of exciting highs and daunting lows. This week, we’re digging into the intricacies of the financial planning process, focusing particularly on the importance of understanding market trends and the role diversification plays in safeguarding your wealth. Outline of This Episode (03:08) Investing wi…
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In this episode of The Artful Dollar Podcast, host Ryan Roi chats with Jay Brown, owner of the Northwest Tattoo Museum, about the illustrious history of tattooing. Topics include the development of tattoo equipment, the impact of various technologies, and other significant changes in the tattoo industry over the past decades. Jay shares personal an…
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In this episode of The Artful Dollar Podcast, host Ryan Roi interviews Nic Luna, a veteran tattoo artist from Oregon. Nic shares his unique journey becoming a tattoo artist, discussing the impacts of tattoo schools, the competitive market, and the importance of continuous education. Learn about the intricacies of running a tattoo shop, marketing st…
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Retirement, often portrayed as a glorious era of freedom and relaxation, has its own set of challenges beyond the financial arena. This week, we’re exploring the psychology behind retirement and discussing the four phases retirees go through. Vacation/Honeymoon Phase: The initial euphoria of not having to set an alarm. Loss Phase: Often associated …
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In this episode of The Artful Dollar Podcast, host Ryan Roi is joined by the inspirational tattoo artist Squire Strahan. Together they discuss Squire’s journey, from his early self-taught days to becoming a top-tier tattoo artist known for his distinct style and innovative approach to classic designs. Squire shares insights into his career, the imp…
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In this episode of The Artful Dollar Podcast, host Ryan Roi dives into the hot topic of professional 'scratchers' or self-taught tattoo artists with guest Ross Berg, known as 'Hot Scratcher'. Together they discuss the rise of these artists, their unique marketing strategies, and how the pandemic influenced a surge in DIY tattooing. This conversatio…
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In this episode of The Artful Dollar podcast, host Ryan Roi shares insights and lessons from the recent Eden Symposium tattoo educational event. At the Symposium, Ryan gave a talk on marketing and mindset for tattoo artists. Ryan also discusses the importance of surrounding yourself with people who reflect your best self and the significance of min…
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