Episodes

How do you step beyond traditional career paths to find both personal fulfillment and financial freedom? In this episode, Marcia Miller talks with Dr. Catherine Carrier, DVM, DACLAM, a laboratory animal veterinarian and founder of CarrierRx and CABS LLC, about her non-traditional journey. Dr. Carrier shares her career evolution from military service to entrepreneurship, offering insights into overcoming challenges, leveraging unique skills, and maintaining a healthy work-life balance. Dr. Carrie...

Achieving financial success involves understanding and managing your financial decisions, which can be influenced by your emotions and behaviors. How can you improve your relationship with money while staying true to your values? In this episode, Marcia Miller chats with Brendan Frazier, the Chief Behavioral Officer at RFG Advisory, about mastering the emotional and psychological aspects of money management. With over 25 years in financial services and additional insights from Brendan’s Human Si...

The thought of starting your own veterinary practice can be daunting, especially if you have already experienced the fast-paced work ethic needed in the veterinary field. Although that may sound stressful, with the right guidance, opening your own practice could offer you more freedom and time to pursue your other passions. Join your host Marcia Miller, CEP®, RFC® as she speaks with Dr. Eve Harrison, founder of The House Call Vet Academy. Uncover the balance between professional and personal lif...

Are you prepared for the potential need for long-term care? Listen in as Marcia Miller sits with special guest Alicia Barnett, a certified specialist in long-term care as they discuss essential aspects of long-term care insurance. This episode covers different types of insurance, common misconceptions, and the importance of integrating these plans into your financial strategy. Learn how early planning and the right choices can ensure financial stability and family harmony when long-term care is ...

Are you sure you’ve got the right financial advisor to help navigate your veterinary practice’s future? Join host Marcia Miller along with Matt Byars as they dig into the critical questions you should ask before hiring a financial advisor, and what to expect once you’re in the partnership. Tune in to hear their personal stories from the clinic and beyond, and discover why alignment, transparency, and trust are as crucial in finance as they are in vet med. Marcia and Matt discuss: Important deta...

Are you curious about annuities but unsure how they would fit into your financial plan? Let’s clear up the confusion. Marcia Miller demystifies the world of annuities this week on Making Hay. Follow along as Marcia cuts through the noise and controversy surrounding annuities, revealing their true potential as a tool for retirement planning. Marcia unpacks everything you need to know from the basic understanding and types of annuities, to their benefits and considerations. Whether you’re nearing ...

Are you ready to take control of your financial legacy and prepare for your family’s future with cutting-edge technology? Tune in to the world of digital vaults with a spotlight on Prismm, an innovative platform that revolutionizes how we manage, protect, and share our most critical financial and personal information. Our guest, Martha Underwood, founder of Prismm, shares her journey from a seasoned tech professional to creating a solution that addresses the urgent need for secure, centralized m...

Don’t think of retirement as just a destination, but as the next exciting chapter of your life! In this final installment of the 3 part series, the 3 Phases of Retirement, Marcia Miller and Matt Byars focus on the pivotal moment when one retires. Their conversation unwraps the layers of financial stability and fulfillment in retirement, offering insights and strategies curated for those standing at the brink of this significant life transition or already embracing it. Unpack the essence of compr...

The idea of retirement is both exciting and scary. If you are curious about how to navigate the transition leading up to retirement with financial confidence, you’ve come to the right place! This week on Making Hay, Marcia Miller and Matthew Byars explore the essential considerations for pre-retirement planning. They emphasize the shift from saving to planning for cash flow, the significance of diversified money buckets, and the need for health and wealth alignment. Long-term care planning is al...

If you are a veterinarian in your 20’s or 30’s, retirement may be far away. But planning for it shouldn’t be. Join Marcia Miller and Matt Byars in a compelling episode focusing on the crucial accumulation phase of retirement planning for those who want to feel confident about their financial future. Together, they emphasize creating a strong financial foundation through emergency funds, debt management, and smart investment strategies. By understanding your options and assessing your goals, you ...

Veterinary practice owners are incredibly busy. The thought of setting up a 401(k) plan is overwhelming and likely low on the ever-growing list of priorities. In this episode, Marcia Miller sits down with Paul Villanueva, a retirement plan professional, to explore the importance of 401(k) plans for veterinary practice owners. They discuss the evolution of 401(k) plans, the benefits for both employers and employees, as well as the flexibility and simplicity offered by modern 401(k) solutions, spe...

The veterinary profession is a noble and essential field, yet it is one fraught with challenges that often go unnoticed by the public, because of cute puppies, right? In the latest episode of the Making Hay podcast, Marcia Miller welcomes Leah Parris, CVPM, LVT, CCFP, HABc, and Founder of Southern Meridian Veterinary Consulting. Leah shares her unexpected journey into veterinary medicine, sparked by adopting a neglected dog. She discusses her services aimed at improving veterinary practice opera...

What if the key to financial success for women in veterinary medicine is just a mindset shift away? Today on the ‘Making Hay Podcast,’ host Marcia Miller from RFG Advisory engages in a pivotal discussion with Shannon Spotswood, President of RFG Advisory Corporate. This crucial episode dives into the essence of financial empowerment for female veterinarians, a topic of vital importance given their substantial presence in the veterinary field. Shannon brings invaluable insights to this empowering ...

Have you ever thought about how your mind affects your money? The “Making Hay” podcast, hosted by Marcia Miller, provides veterinarians with essential financial guidance tailored to their profession. In today’s discussion, Marcia teams up with Dr. Jordan A. Hutchinson, Vice President of Technology at RFG Advisory, to explore the critical role of investor behavior in financial planning, particularly for veterinarians. Key Highlights: “Dr. J’s” expertise in financial technology and planning, emph...

Ever wondered how veterinarians navigate the maze of student loans? Let’s unravel this mystery in the latest episode of the ‘Making Hay’ podcast with Marcia Miller as she welcomes back Matt Byars. Together, they share crucial insights and personal experiences that could change the way you think about your financial future. Discover why early financial planning isn’t just smart, it’s essential. Key Highlights: The difference between government and private student loans, with a focus on interest ...

Does a passion for animals ensure success in veterinary practice management? Step into the intriguing world of veterinary practice management with host Marcia Miller, a finance professional from RFG Advisory, as she welcomes Keri Riddick, former veterinarian and current executive director of the Georgia Veterinary Medical Association, to tackle this thought-provoking question. Listen in as Keri recounts her journey from aspiring equine surgeon to leading a mixed animal practice and ultimately gu...

Have you ever questioned whether selling your veterinary practice (or any practice really) is enough for a secure retirement? Join us in the latest episode of the “Making Hay Podcast,” where host Marcia Miller invites Rick Wedell, Chief Investment Officer at RFG Advisory, for an insightful discussion on financial planning and retirement. This episode goes beyond conventional retirement advice, emphasizing the importance of early planning, accurate business valuation, and seeking professional fin...

Ever wondered how veterinary care intertwines with the intricacies of personal finance? In this captivating new episode, Marcia Miller, a seasoned financial advisor with over 25 years in financial services, opens the door to her dynamic team at RFG Advisory. The podcast is dedicated to the financial nuance of veterinarians, steered by Marcia’s enchanting blend of southern charm and a heart dedicated to service. Don’t Miss Out On: Introductions of team members Jennifer Lawrence and Matthew Byars...

Why do many veterinarians stumble financially? The answers might surprise you. Fresh out of vet school? Find out the financial pitfalls most new grads overlook – and how to sidestep them. For the long-timers: Is selling your practice the golden ticket to retirement? Jump into a riveting conversation with host Marcia Miller of RFG Advisory, who reveals the hidden intricacies of financial planning for veterinarians, from those fresh out of college to the seasoned pros! Drawing from her rich 25-yea...

Is your financial plan tailored to your unique needs and life stage? Planning your financial future isn’t just about numbers; it’s about living your best life. Financial advisor Marcia Miller talks candidly about her career journey, her specialization in advising veterinarians, and the wisdom she’s accumulated over 25 years in the industry. In her inaugural episode of Making Hay, Marcia dives into: Why veterinarians resonate with her due to their “servant’s heart” Actionable steps for young and...

Welcome to the Making Hay podcast with Marcia Miller from RFG Advisory. In this podcast we help veterinarians, from new graduates to seasoned practitioners navigate the sometimes tricky waters of personal finance. We all know the saying “Making Hay While the Sun Shines”. As cheesy as it sounds, it represents a lot of what we help people do in their financial lives and businesses. We know each of you faces unique challenges, and we’re here to offer advice tailored just for you, anchored in servic...