Episodes

Ready to navigate the critical realm of debt, debit, and credit management? Do you know how to recognize their profound influence on your overall financial well-being? In this episode, Mike Dukovich continues the financial literacy conversation by shedding light on the intricate facets of debt, debit, and credit management. From credit reports and scores and some must-know best practices, this conversation serves you as a handy resource to achieve not only a healthy debt-to-income ratio but also...

Are your expenses controlling you, or are you controlling your expenses? Budgeting is the first step to achieving financial success and comfortability. In this episode, Mike Dukovich unveils the importance of financial literacy and budgeting for achieving financial success. Mike sheds light on the SMART acronym while detailing the value of tracking and analyzing expenses and ways you can use tools (like budgeting apps or spreadsheets) to create a realistic budget and set financial goals. Mike di...

The truth is that not everyone across the United States knows about money, savings, and retirement planning. In fact, the average 65-year-old has yet to save for retirement. Mike Dukovich wants to help change that… This week, Mike explores the importance of financial literacy, budgeting, understanding credit, managing debt, and retirement planning. Mike highlights the lack of financial education in the US while stressing the need for individuals to have the knowledge and skills to make informed ...

No more hiding behind the couch cushions to escape the tuition talk! It’s time to face the facts, set realistic goals, and find the perfect balance between supporting your child’s dreams while preserving your wealth and sanity, too. This week, Mike Dukovich reveals the truth about paying for college tuition and expenses. Mike unveils everything you need to know about college savings plans (529 plans) while exploring the different aids you can leverage while supporting your child in this new phas...

Get ready to kick off the start of season 2 of Beyond Your Money with an in-depth look at the SECURE 2.0 Act (Setting Every Community Up For Retirement Enhancement). In this episode, Mike Dukovich is back to share its ins and outs, which entail a significant update to the retirement savings landscape. The original SECURE bill was signed into law in 2019, and its successor, the SECURE 2.0 Act, was signed into law on December 29, 2022. While there are numerous changes introduced by this bill, Mike...

When going through the process of obtaining a mortgage, you likely have a lot of questions. Like, what type of mortgage should you apply for, and at what term? In this episode, Mike Dukovich sits down with Kevin Giza, president of The Giza Group, at Crosscountry Mortgage, LLC as they discuss mortgages. Kevin shares his knowledge of how the process works, what you need to know before beginning the process, and some tips on how to help you become the successful buyer of a home. Kevin discusses: W...

In recent years, we have seen an increase in ESG Scores being used to determine whether or not individuals get involved with a specific investment. ESG Scores are used to determine the efforts made by companies in the areas of environment, social and governance. In this episode, Mike Dukovich sits down with Kent McClanahan, vice president of responsible investing with RBC Wealth Management, as they discuss the topic of ESG in relation to investing. Kent shares information that points to ESG beco...

The universal truths in wealth management – guidelines designed to help you reach your financial goals. In this episode, Mike Dukovich welcomes you to part 2 of his series on the universal truths of wealth management. Mike discusses even more truths that he thinks you need to know to make better informed decisions. Mike discusses: The behavioral cognitive issues you should be aware of Diversification and why it’s important The approach to thinking long-term with your money Why you should examin...

There are universal truths that you should be following that can help you make better and more informed decisions with your money. In this episode, Mike Dukovich takes you through some of his own personal universal truths he has developed. Mike walks you through these truths and helps you understand what you need to know to make better decisions. In this episode, you will learn: The importance of saving earlier rather than saving more later How to use the 50,30,20 Rule when budgeting The differ...

For one reason or another, people tend to have misconceptions or confusion around the topic of annuities and whether or not they make sense in a wealth plan. In this episode, Mike Dukovich is joined with Michael Clark, divisional annuity consultant with RBC, as they discuss all things annuity! Mike shares an in-depth look at annuities and provides information about when each type might be beneficial. In this episode, you will learn: What is an annuity? The types of annuities and how they work T...

Whenever you make a decision to enter or pull out of the market, there is behavioral psychology behind it. This psychology could be leading you to make the wrong decisions! In this episode, Mike Dukovich uses his background in psychology to speak about some of the most common biases that exist when making financial decisions. Mike talks about each bias, tells you what you can do so it doesn’t impact you, and provides an important lesson from each! In this episode, you will learn: The concept of...

It’s possible to keep your memories alive while reducing clutter throughout your home — getting rid of physical items doesn’t mean you have to lose connection to the memories. In this episode, Mike Dukovich is joined once again by Jill Yesko, the Founder and President of Discover Organizing. Together, they dive deeper into organizing clutter and reveal the memories that can contribute to collecting. In this episode, you will learn: How to start a conversation about organizing with friends and f...

Have you ever wondered what a Professional Organizer could do for you? In this episode of the Beyond Your Money Podcast, Mike Dukovich speaks with Jill Yesko, the Founder and President of Discover Organizing. Together they dive into conversation about how a professional organizer could help you with your personal and financial life. In this episode, you will learn: How you can manage your financial mail and what you should be keeping Jill’s story to creating Discover Organizing What exactly a P...

Have you ever wondered where to put your discretionary investable dollars, and in what order? In this episode of the Beyond Your Money Podcast, Mike Dukovich provides a financial flowchart that will help guide you on what to fund and when. Mike breaks down a financial strategy that fits into every stage of life. In this episode, you will learn: In what order to put your money away How to break your budget down into 3 basic categories What the difference is between good and bad debt When the bes...

Ever wonder about trusts? There is so much conflicting information out there about trusts that it can be overwhelming. In this episode of the Beyond your Money podcast Mike Dukovich talks about an ongoing debate by discussing the pros and cons between active and passive investments. Then, while going ‘Beyond Your Money’ he is joined by attorney Jay Hagerman of Abernathy & Hagerman – Elder Law. Mike and Jay dive into a specific estate planning tool; the trust – what are trusts, why they are utili...

Mike discusses dollar cost averaging, and then helps navigate a critical element of a comprehensive wealth plan by reviewing the elements of estate planning. In this episode of the Beyond Your Money Podcast, Mike Dukovich talks about the investment strategy called dollar cost averaging. He then discusses the basics of estate planning, as he walks you through the fundamentals with attorney Jay Hagerman, managing partner of the firm Abernethy and Hagerman. Mike and Jay will discuss why your estate...

While many advisors are generalists, Mike enjoys working with specific kinds of clients. In this episode of Beyond Your Money Podcast, Mike Dukovich talks about why he enjoys serving young professionals and retirees. He walks you through solutions to young professionals’ top financial challenges, which professionals tend to embrace the planning process, and why his educational approach sets him apart from other advisors. In this episode, you will learn: The number one mistake that young profess...

Coming fully prepared for the first meeting with your financial advisor makes for a more comfortable, efficient, and rewarding experience. But what should you bring to your meeting? In this episode of Beyond Your Money, Mike Dukovich dives into the client experience, unpacking his process and how he helps clients and prospects prepare for the first meeting. In this episode, you will learn: Why it’s important to understand the client experience, and how it helps both client and advisor Everythin...

We’re always going to have periods of market volatility. Having a plan in place can help prevent emotions from dictating your decisions. In this episode, Mike Dukovich tackles the topic of market volatility. He uncovers 11 tips to help you stay sane during moments of volatility spikes, why it’s important to plan and not allow emotions to dictate your decisions, and how volatility is typically measured. In this episode, you will learn: What marks a correction in stocks What is a correction versu...

As a client, do you feel it is important to know how your advisor is getting paid? Do you wonder what goes into building portfolios, and how advisors review those investments? In this episode of the Beyond Your Money Podcast, host Mike Dukovich offers a look into how he gets paid and shares why transparency is important for both himself and his clients. Mike also explains his unique process when analyzing and selecting investments for his portfolios. In this episode, you will learn: The two met...

In the financial world, there are countless names for advisors, and each means something a little bit different from the next. What sets each apart from the other? How is comprehensive wealth management different from the services a typical financial advisor provides? In this episode of the Beyond Your Money Podcast, host Mike Dukovich provides an extensive look into comprehensive wealth management. From estate planning and tax-aware investing, to retirement planning, this episode delivers great...

Welcome to the Beyond Your Money podcast! In this inaugural episode, you’ll meet your host Mike Dukovich, a financial advisor and Retirement Income Certified Professional® at RBC Wealth Management. Mike explains his approach to wealth management and what it means to offer clients a one-stop-shop that addresses every aspect of their financial lives. In this episode, you will learn: How Mike got into the business What kind of value he provides to his clients What Mike’s goals-based philosophy ent...