Todd Glazer, MBA, CFP

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

07/17/2026

Wealth Beyond Money

Love Doesn’t Always Mean Equal

One of the most meaningful conversations I’ve had with a client wasn’t about investments.

It was about family.

A parent shared something that weighed heavily on their heart.

One of their children had built a successful, independent life.

The other had struggled with addiction for many years.

Their question wasn’t, “How should I divide my estate?”

It was,

“How do I make sure both of my children are cared for in the way they need to be?”

That conversation reminded me that estate planning isn’t really about dividing assets.

It’s about caring for the people you love.

Sometimes that means treating children equally.

Sometimes it means recognizing that equal isn’t always the same as fair.

Working alongside their estate planning attorney, we were able to create a plan that reflected the parent’s wishes and provided long-term care and protection for both children in different ways.

Moments like that remind me that the most important financial decisions are rarely about money alone.

They’re about love.

They’re about responsibility.

They’re about leaving behind more than an inheritance.

The best financial plans don’t start with dollars.

They start with a life worth planning for.

— Todd Glazer, MBA, CFP®, RICP®

07/15/2026

Planning Principles
Your Investments Shouldn't Drive Your Financial Plan

One of the biggest misconceptions I see is that financial planning starts with choosing investments.

I believe it's the other way around.

Your financial plan should determine how your investments are managed—not the other way around.

Before making investment decisions, it's important to understand:

• What are you trying to accomplish?
• When will you need your money?
• How much flexibility do you want?
• What risks could affect your goals?
• What role do taxes play in your long-term plan?

Only after those questions are answered does it make sense to decide how your money should be invested.

Investments are an important part of a financial plan.

They're just not the starting point.

The best investment strategy is the one that supports your goals—not simply the one with the highest expected return.

— Todd Glazer, MBA, CFP®, RICP®

07/13/2026

From the Planner's Desk
The Mortgage Wasn't Really the Question

A client recently asked me a simple question:
"Should I pay off my mortgage?"
It's a question I hear fairly often.
But over the years, I've learned that questions like this are rarely about the mortgage itself.
They're really about priorities.
Would paying off the mortgage provide peace of mind?
Would keeping the money invested create more flexibility?
Would either choice affect other goals, like retiring sooner, helping family, or traveling more?
Before we talked about interest rates or investment returns, we stepped back and looked at the bigger picture.
That's because financial planning isn't about finding the "right" answer to one isolated question.
It's about understanding how one decision fits into everything else that's important in your life.
Sometimes paying off the mortgage is the right decision.
Sometimes it isn't.
The best answer is the one that supports your goals—not someone else's rule of thumb.

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®

07/10/2026

Wealth Beyond Money

One of the conversations Kym and I have from time to time is about what we want our own retirement to look like.

Interestingly, we almost never start by talking about money.

We don't begin with, "How much will it cost?"

We start with questions like:

• Where do we want to spend our time?
• How much do we want to travel?
• What experiences do we want to have?
• What kind of life do we want to build together?

Only after we have those conversations do we begin thinking about the financial side of making those dreams possible.

I've found that's true for many of the families I work with as well.

It's easy to think financial planning is about dollars and cents.

I believe it's really about creating a life that reflects what's most important to you.

When you start with your values, your goals, and your vision for the future, the numbers stop being the focus.

Instead, they become the roadmap.

The best financial plans don't start with dollars.

They start with a life worth planning for.

— Todd Glazer, MBA, CFP®, RICP®

07/08/2026

Planning Principles
Financial Planning Begins with Questions

One of the biggest misconceptions I see is that financial planning begins with numbers.

I don't think it does.

It begins with questions.

What are you trying to accomplish?

What kind of life do you want to build?

What opportunities do you want to create for your family?

What keeps you awake at night?

Only after we answer those questions do we start talking about investments, taxes, insurance, estate planning, or retirement.

Those aren't the goals.

They're the tools.

A financial plan should never begin with a product.

It should begin with a person.

When you know where you're trying to go, it's much easier to decide how to get there.

— Todd Glazer, MBA, CFP®, RICP®

07/06/2026

From the Planner's Desk
When a Dream Becomes Part of the Plan

One of my favorite questions I've ever been asked wasn't about the stock market. It wasn't about taxes. It wasn't about interest rates.

A client looked across the table and asked, "Do you think we could ever afford a retirement home somewhere in Europe?"

It had been a dream for many years.

As we worked through their financial plan together, we looked beyond the numbers. We talked about the retirement they envisioned, the lifestyle they wanted to maintain, and the experiences they hoped to share in the years ahead.

When we stepped back and looked at the bigger picture, the answer became clear.

Yes.

Their dream fit comfortably within the life they had worked so hard to build.

That meeting has stayed with me because it reminded me of something I believe deeply.

Financial planning isn't about telling people what they can't do. It's about helping them understand what they can do with confidence.

Too often, people think a financial plan is simply about making sure they'll have enough money.

I think it's about something much bigger.

A thoughtful financial plan provides clarity. It replaces uncertainty with confidence and gives people permission to pursue the life they've imagined without constantly wondering if they're making a mistake.

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®

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Metairie, LA
70002

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