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In this episode of The Blunt Dollar, we sit down with Tom Idzorek, CFA, Chief Investment Officer for Retirement at Morningstar and one of the most influential voices in modern financial planning. With a career spanning decades and awards like the Graham and Dodd Award of Excellence under his belt, Tom has consistently pushed the boundaries of how we think about portfolio theory, human capital, and retirement planning.

We dive into his co-authored book, Lifetime Financial Advice, and discuss why human capital is an investor’s most overlooked asset—and how incorporating it can drastically change your investment approach. From life cycle finance to robo-advisory and AI, this conversation is packed with insights on the future of wealth management.

🔍 Topics we cover:

📘 Why financial planning should evolve with life stages, not stay static

🧠 The overlooked importance of human capital in investment decisions

🤖 How AI and robo-advisors are reshaping financial advice at scale

🔄 Dynamic vs. static financial planning models

📊 The Popularity Asset Pricing Model: what it is and how it improves on CAPM

🧓 The future of retirement planning and why the 4% rule is outdated

😬 The psychological traps retirees face—and how to avoid them

💡 Why advisors must evolve into coaches powered by AI, not replaced by it

Whether you're a finance professional, a curious investor, or just planning your financial future, this episode delivers a masterclass in holistic financial thinking.

And if you haven’t already, make sure to subscribe to The Blunt Dollar for more raw and honest finance conversations.
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Enjoy the episode.
Disclaimer: This podcast is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Always consult a qualified financial professional before making financial decisions.