In this eye-opening episode, Travis is joined once again by consumer advocate and CEO of WealthRamp, Pam Krueger, for a raw, unfiltered conversation about the alarming realities behind 401(k) “advice,” what fiduciary really means, and how investors are often unknowingly being nudged into products that serve companies—not them.

Pam calls out the dirty little secret no one wants to talk about: the misleading guidance that masquerades as financial planning inside workplace retirement plans. If you've ever been invited to “sit down and chat about your retirement options,” you’ll want to hear why that meeting may come with hidden strings—and commissions.

💡 This episode is packed with insights on:

• Why “free” advice from your 401(k) provider might not be advice at all
• The danger of moving your money without understanding the bigger picture
• How to actually find a real, fee-only fiduciary financial advisor
• What holistic planning really means (hint: it’s not just about your investments)
• Why WealthRamp’s process puts power back in your hands—and keeps your info private

This isn’t about scare tactics—it’s about empowering you to make decisions that serve you, not the machine.

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About Pam Krueger

Pam is an investor advocate, personal finance journalist, and author with over 25 years of industry experience. She’s the founder and CEO of Wealthramp, a fee-only financial advisor referral service built on a foundation of trust, transparency, and consumer protection. Since 2019, Wealthramp has connected nearly 30,000 people to right-fit advisors and coaches.

Pam is also the creator and co-host of the award-winning MoneyTrack series on PBS and the Friends Talk Money podcast. She’s a two-time Gracie Award winner and earned the 2021 NAPFA Special Achievement Award for championing fiduciary financial advice. Her work is widely respected for its transparency and focus on helping people achieve financial confidence.

Social channels

Pam Linkedin: https://www.linkedin.com/in/pamkrueger/

Pam Facebook: https://www.facebook.com/pamktv/

Pam Instagram: @pamkruegertv

Wealthramp LinkedIn: https://www.linkedin.com/company/wealthramp/

Wealthramp Facebook: https://www.facebook.com/wealthramp/

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Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.com

You can get Ditch the Suits highlights, and other great content produced by NQR Media at https://youtube.com/@NQRMedia

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About Your Host:

Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Travis also hosts the Unleashing Leadership Podcast, where he dissects some of his favorite books on leadership and how you can apply it to your business or life.