Todd Glazer, MBA, CFP

Todd Glazer, MBA, CFP My team specializes in comprehensive financial planning for individuals and families.

08/19/2026

Planning Principles

The Most Valuable Financial Decisions Are Often the Ones No One Sees

When people think about financial planning, they often think about investments.

Which stock? Which fund? Which strategy?

But some of the most important financial decisions happen behind the scenes.

They're the conversations about taxes before a transaction happens. The review of retirement accounts before money is moved. The planning that takes place before a form is signed or a decision becomes irreversible.

Many opportunities aren't created by finding something new. They're uncovered by taking a closer look at what you already have.

That's one of the reasons financial planning is about more than managing investments. It's about helping people see possibilities, tradeoffs, and opportunities that may otherwise go unnoticed.

The best planning conversations don't always begin with the question, "What should I invest in?"

Sometimes they begin with, "Before I make this decision, what should I know?"

— Todd Glazer, MBA, CFP®, RICP®

08/17/2026

Planning Principles

There Comes a Point When the Question Changes

Early in life, financial planning is often focused on accumulation.

How do I save more? How do I invest wisely? How do I build financial security?

Over time, however, the questions begin to change.

Instead of asking, "How do I accumulate more?" many people find themselves asking: What do I want this wealth to accomplish? How do I help the people and causes that matter most to me? What kind of impact do I want to have during my lifetime? What legacy do I want to leave behind?

In my experience, this transition often marks the beginning of a different kind of financial planning conversation. The focus shifts from accumulation to stewardship. Money becomes less about a number on a statement and more about aligning financial resources with personal values, family priorities, charitable interests, and long-term goals.

Building wealth is important. Determining its purpose can be even more meaningful.

— Todd Glazer, MBA, CFP®, RICP®

08/14/2026

Family Financial Planning Is Really About Communication

Many financial challenges aren't caused by a lack of information.
They're caused by a lack of communication.

Parents assume their children understand their wishes. Adult children assume their parents have everything organized. Spouses assume they're on the same page regarding priorities, goals, and financial decisions.

Unfortunately, assumptions can create confusion when clarity matters most.

In my experience, some of the most productive planning conversations have nothing to do with markets or investments.
They're about discussing priorities.

What does retirement look like? What responsibilities do we want to help our children or grandchildren with? Who would make financial decisions if something unexpected happened? Are important documents organized and accessible? Financial planning isn't just about preparing assets.

It's about helping families prepare for important conversations before they're needed.

A strong financial plan can create confidence. Open communication helps make sure everyone is moving in the same direction.

That's why family financial planning is ultimately about more than money.

It's about building clarity around the people and priorities that matter most.
— Todd Glazer, MBA, CFP®, RICP®

08/12/2026

Planning Principles
The Most Valuable Financial Advice Isn't About Investments

When most people think about financial advice, they think about investments.
In my experience, the most valuable conversations usually have very little to do with choosing investments.

They're about coordinating decisions.
How does this affect my taxes? Will this change my retirement timeline? Does this impact my estate plan? What does this mean for my family? Could this decision limit opportunities later?

Every financial decision has consequences beyond the account it's made in.
That's why I believe comprehensive financial planning is less about managing investments and more about coordinating all the moving pieces of your financial life.

When your investments, taxes, retirement income, estate plan, insurance, cash flow, and long-term goals are working together, individual decisions become much clearer.

A great financial plan isn't built one account at a time.

It's built by coordinating every financial decision around your goals.

That's the difference between investment management and comprehensive financial planning.

— Todd Glazer, MBA, CFP®, RICP®

08/10/2026

From the Planner's Desk

One of the most valuable things a financial plan can do isn't maximize returns.

It's reduce unnecessary decisions.

Think about how many financial choices people face every year:

Should I claim Social Security now? Should I pay off the mortgage? Should I sell the property? Should I invest more or keep cash?

Individually, each question seems manageable. But together, they create something many people don't recognize: decision fatigue.

A good financial plan doesn't eliminate life's uncertainties. It eliminates the need to reinvent every financial decision as life unfolds.

When you've already thought through your priorities, your spending needs, your tax strategy, your legacy goals, and your risk tolerance, future decisions become much clearer.

The goal isn't to have all the answers today. The goal is to have a framework that helps you make better decisions tomorrow. Because financial confidence isn't about predicting the future. It's about knowing how you'll respond when the future arrives.

The purpose of a financial plan isn't simply to accumulate wealth. It's to help build a life you'll be excited to live.

Todd Glazer, MBA, CFP®, RICP®

07/31/2026

Wealth Beyond Money
The Plans We Make for the People We Love

This week, I had a conversation that started with a question about trusts. It didn't take long before we realized the discussion wasn't really about legal documents.

It was about a daughter.

Like so many planning conversations, the technical question was simply a doorway to something much more personal.

"How do I make this easier for the people I love?"

I've learned that this question sits quietly beneath many financial decisions. Whether someone asks about retirement, investments, taxes, or estate planning, the deeper concern is often the same: Will my family be okay? The numbers matter. The legal documents matter. The investments matter. But they matter because of what they make possible.

Good financial planning isn't simply about transferring wealth. It's about reducing uncertainty, preserving options, and making life a little easier for the people who matter most.

Sometimes the greatest gift we leave behind isn't money. It's clarity.

The best financial plans don't start with dollars. They start with a life worth planning for.

Todd Glazer, MBA, CFP®, RICP®

07/29/2026

Planning Principles
The Cost of a Good Decision

One of the biggest misconceptions I see is that a good financial decision should never have a downside. In reality, almost every good decision comes with a tradeoff.

Buying a home may mean investing less for a few years. Starting a business may require taking on more risk. Helping a child through college may delay another financial goal. Paying down debt may mean giving up the opportunity to invest those dollars elsewhere.

The goal of financial planning isn't to eliminate tradeoffs. It's to understand them. Every financial decision means saying "yes" to one opportunity and "not right now" to another.

The question isn't whether a decision has a cost. The question is whether it's the right cost to pay for the life you're trying to build.

That's why good financial planning isn't about finding perfect answers. It's about making intentional choices.

— Todd Glazer, MBA, CFP®, RICP®

07/27/2026

Planning Principles
The Best Financial Decision Isn't Always the Best Investment Decision

People often assume that every financial decision should be judged by one question:

"Will this earn me the highest return?"

I don't think that's the right question.

Sometimes the best financial decision is paying off debt. Sometimes it's building a larger emergency fund. Sometimes it's delaying retirement. Sometimes it's helping an aging parent or an adult child. Sometimes it's deciding not to pursue a higher return because preserving flexibility or reducing stress is more valuable.

A financial plan isn't designed to maximize one account. It's designed to help you make better decisions across your entire financial life.

That's why comprehensive financial planning isn't just about investments.

It's about balancing competing priorities, understanding tradeoffs, and making decisions that support your long-term goals.

The best financial decision is the one that moves your life forward—not simply the one with the highest expected return.

— Todd Glazer, MBA, CFP®, RICP®

07/24/2026

Wealth Beyond Money
Progress Isn't Always Obvious

One of the things running has taught me is that progress rarely feels dramatic.

Most days, it doesn't even feel like progress at all. It's just another run. Another early morning. Another mile. Another step.

Then one day, you realize you're running farther, recovering faster, or accomplishing something that seemed impossible just a few months earlier.

I've found that life works much the same way.

So does financial planning.

The biggest changes rarely come from one perfect decision.

They come from making thoughtful decisions consistently over time.

One conversation. One goal. One habit. One plan.

Progress isn't always exciting in the moment. But over time, small, intentional decisions have a way of becoming extraordinary results.

Whether you're training for a race, raising a family, building a career, or planning for retirement, it's usually consistency—not perfection—that makes the difference.

The best financial plans don't start with dollars. They start with a life worth planning for.

Todd Glazer, MBA, CFP®, RICP®

07/24/2026

Planning Principles
Don't Plan One Account at a Time

One of the biggest misconceptions I see is that financial decisions can be made one account at a time.

Should I convert my IRA to a Roth?
Should I pay off my mortgage?
Should I invest this inheritance?
Should I claim Social Security now?

Each of those is an important question. But none of them should be answered in isolation. Every financial decision affects something else. A Roth conversion may affect Medicare premiums and future taxes. Paying off a mortgage may reduce the cash available for other opportunities. Claiming Social Security sooner could affect your lifetime retirement income. An investment decision may influence taxes, estate planning, or your overall cash flow.

That's why I believe financial planning shouldn't happen account by account. It should happen strategy by strategy.

The goal isn't to optimize one investment account. Or one tax return. Or one financial decision.

The goal is to coordinate every piece of your financial life so each decision supports the next.

When your investments, taxes, retirement income, estate plan, insurance, and cash flow are all working together, you stop making isolated financial decisions. You start making intentional ones.

That's the difference between managing accounts and comprehensive financial planning.

Todd Glazer, MBA, CFP®, RICP®

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3838 North Causeway Boulevard, Suite 3400
Metairie, LA
70002

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+15045794223

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