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Purpose Driven Finances

Purpose Driven Finances

93 episodes

Welcome to Purpose Driven Finances — the podcast that helps you use your money as a tool to fulfill the plan and purpose for your life.

More about the show

Hosted by Allan Malina, founder of Servus Capital Management, each episode brings you practical strategies, insightful conversations, and timely commentary on personal finance and investing. We guide you toward clarity and confidence, whether you’re planning for retirement, navigating life transitions, or simply looking to make wiser financial decisions.

We cover a wide range of topics—from budgeting, debt management, and investment strategies to retirement planning and legacy planning—plus commentary on current economic trends to keep you informed.

Because money isn’t the goal—living with purpose is.

Learn more at www.servuscm.com

Thanks for listening, and welcome to Purpose Driven Finances.

Episodes page 1 of 2

  1. Market Turmoil: How We Are Responding + Car Repair Wisdom With Matt Anderson

    · 30 min · S6 E44

    Key Takeaways • Preventive maintenance protects your finances. Routine service can help reduce unexpected repair expenses and extend your vehicle's useful life. • Tire alignment and rotation can save money. Proper…

  2. Car Buying Advice From a Dealership Owner with Chris Mabry from Mabry Auto Group

    · 30 min · S6 E43

    Key Takeaways • Protecting retirement investments: Investors should have a defined process for responding to market declines, not just a strategy for growing their portfolios. • The changing car market: Chris Mabry of…

  3. When Should You Replace Your Car? New vs. Used Vehicles, Repair Costs & the Economy

    · 30 min · S6 E42

    Key Takeaways • When to replace your vehicle: Mileage alone should not determine when to buy another car. Evaluate safety, reliability, repair trends, downtime, and replacement costs. • Repair or replace? A $4,000…

  4. Risk, Process, and the Real Cost of a Car

    · 28 min · S6 E41

    Key Takeaways • A traditional 60/40 portfolio—60% stocks and 40% bonds—may not always provide the balance of growth and protection investors expect. • Bonds carry risks of their own, including interest-rate,…

  5. Look Under the Hood

    · 27 min · S6 E40

    Key Takeaways • Interest rates affect more than Wall Street. Federal Reserve decisions can influence borrowing costs, consumer spending, business activity, and investment markets. • Economic direction matters more…

  6. September 11: Remembering, Planning, and What Comes Next

    · 27 min · S6 E39

    Key Takeaways • Start with purpose. Before deciding how to invest, understand what your money needs to accomplish for your life, family, retirement, and future. • Your portfolio should fit you. Investment strategy…

  7. Before the Next Market Drop: Why Buy-and-Hold Isn’t a Plan

    · 28 min · S6 E38

    Key Takeaways • A portfolio needs a process for declining markets. Buy-and-hold may participate in long-term market growth, but investors should understand what their strategy is designed to do when markets fall…

  8. The Lake House Myth: Rich Roth on Choosing Calling Over Accumulation

    · 30 min · S4 E39

    Key Takeaways • Aggressive Rate Cuts Signal Underlying Weakness: A rare 50-basis-point interest rate cut indicates economic softening, not unbridled economic strength. • Dollar Dilution and Inflationary Pressures:…

  9. Purpose, Planning, Worldview, & why having direction matters with Coach Mike Cook

    · 30 min · S4 E40

    Key Takeaways • Aggressive Rate Cuts Signal Underlying Fragility: A 50-basis-point interest rate cut indicates economic distress and softening labor markets rather than healthy expansion. • Dollar Devaluation &…

  10. Worldview, values, mission, vision, legacy with Mike Cook

    · 30 min · S4 E41

    Key Takeaways • Worldview Governs Decisions: Core beliefs form the internal operating system that directs personal values, spending habits, and long-term financial stewardship. • The Planning Hierarchy: Effective life…

  11. Defining what a purpose-driven Financial life means

    · 30 min · S4 E36

    Key Takeaways • Money as a Tool, Not a Scoreboard: Accumulating wealth without an underlying life purpose turns capital into meaningless tokens; money exists to serve family, faith, stewardship, and long-term vision.…

  12. Serving with Purpose: Fiduciary Discipline, Fee-Only Planning, and the QPM System

    · 30 min · S1 E1

    Key Takeaways • Stewardship Over Sales: "Servus" is Latin for servant, embodying a fiduciary philosophy that prioritizes client purpose over corporate quotas and asset-gathering pressure. • 100% Fee-Only Transparency:…

  13. Planning When Conditions Change: Social Security, Rollovers, and the QPM Framework

    · 30 min · S6 E37

    Key Takeaways • Plan for Change, Don't Predict: Long-term financial security requires adaptive strategies rather than relying on market forecasts or political promises. • Social Security Perspective: Congressional…

  14. Income vs. Growth vs. Total Return: What Should Retirees Focus On?

    · 28 min · S6 E36

    Key Takeaways • Income alone is not the same as investment return. A portfolio can produce an attractive dividend or interest payment while still losing value. • High yield does not automatically mean lower risk.…

  15. We Go Anywhere—But Not Just Everywhere

    · 28 min · S6 E35

    Key Takeaways • Your portfolio should begin with the purpose of your money—not with an investment product or market index. • Two people with the same amount of money may need very different portfolios because their…

  16. Save to Serve with Jonathan Falwell: Finding Purpose in Your Money and Your Life

    · 30 min · S4 E43

    Key Takeaways • Financial planning should begin with a purpose. Without knowing what your money is meant to accomplish, saving and investing can become goals unto themselves. • Jonathan Falwell explains that purpose…

  17. Purpose Over Possessions with Jonathan Falwell: Using Money as a Tool for the Life You’re Called to Live

    · 30 min · S4 E42

    Key Takeaways • Financial success is not simply about accumulating more money. Money can be a tool for accomplishing the purpose and plan for your life. • Jonathan Falwell shares how his father, Jerry Falwell Sr.,…

  18. Protect Your Retirement: Social Security, Portfolio Risk, and Financial Scams

    · 30 min · S5 E9

    Key Takeaways • Social Security’s long-term funding challenges make personal retirement planning increasingly important. • Government spending, interest rates, economic growth, and inflation can directly affect…

  19. Hard Questions to Ask Your Financial Advisor

    · 30 min · S5 E33

    Key Takeaways • Your financial advisor should be able to explain why they use the investments they recommend, not simply tell you what to buy. • Mutual funds and ETFs have important differences in trading flexibility,…

  20. Are You Funding Your Dreams—or Delaying Them?

    · 29 min · S5 E32

    Key Takeaways • Financial planning should help you fund the life you actually want—not simply accumulate money without a purpose. • Handling financial pressure well starts with having a plan before the pressure…

  21. Protecting Your Portfolio—and Yourself—from Financial Scams

    · 30 min · S5 E8

    Key Takeaways • Portfolio risk is not limited to market losses. Protecting your finances also means recognizing scams before money leaves your account. • Weakening economic data can be a reminder to review the amount…

  22. When Should You Change Your Portfolio—and When Should You Do Nothing?

    · 29 min · S6 E34

    Key Takeaways • Not every market warning requires action. Like a dashboard warning light, the significance of a market signal depends on its context, persistence, and potential consequences. • Headlines are not…

  23. What Are We Watching?

    · 30 min · S6 E33

    Key Takeaways • Successful portfolio management is not about reacting to every headline. It is about filtering noise and focusing on the evidence that matters. • Investors should ask whether new information changes…

  24. What to Do Before—and After—You Buy an Investment

    · 30 min · S6 E32

    Key Takeaways • A great company can still be a poor investment if too much future success is already reflected in its price. • A falling stock price does not automatically mean an investment is a bargain. • Before…

  25. From Revolution to Retirement: America’s Financial Story

    · 30 min · S6 E29

    Key Takeaways • Americans in 1776 relied on foreign coins, paper currency, tobacco receipts, barter, land, livestock, and other physical assets. • fiduciary financial advisor is legally obligated to act in the…

  26. Before You Buy Any Investment: What Is the First Question to Ask?

    · 30 min · S6 E31

    Key Takeaways • Before asking what investment to buy, determine what the money must accomplish and what could prevent it from fulfilling that purpose. • An investment’s first responsibility is not to produce the…

  27. Is Your Portfolio Ready for the Next Market Turn?

    · 30 min · S6 E30

    Key Takeaways • A retirement plan should begin with actual income and spending—not assumptions about what retirement “should” cost. • A written budget can reduce uncertainty by showing whether your income…

  28. Building Generational Wealth That Lasts

    · 30 min · S6 E28

    Key Takeaways • Building wealth is only the first step. Families must also prepare future generations to manage, preserve, and use it responsibly. • A portfolio needs more than a process for buying investments. It…

  29. Ancient Wealth Principles That Still Work Today

    · 30 min · S6 E27

    Key Takeaways • Lasting wealth is usually built little by little through disciplined work, saving, and consistent decisions. • Sudden wealth does not automatically produce financial stability. Without wisdom and…

  30. How To Build Wealth: Leaving An Inheritance vs. Leaving A Legacy

    · 30 min · S6 E26

    Key Takeaways • The Fed’s Philosophical Reset Signals Market Volatility: Under new Chairman Kevin Warsh, the Federal Reserve has abandoned "forward guidance," holding interest rates steady at 3.50% to 3.75% while…

  31. Protecting the Living: Reframing Estate Planning with Josh Dalrymple

    · 30 min · S6 E23

    Key Takeaways • Stewardship Over Complexity: True estate planning is an act of love designed to reduce confusion during life's most difficult seasons, focusing on protecting the living rather than just distributing…

  32. Beyond the Hype: What Rockets and Ancient Wisdom Teach Us About Wealth

    · 30 min · S6 E25

    Key Takeaways • Behavior Over Mathematics: True wealth management is a behavioral management process, not a complex modern math problem. Financial products and technology evolve rapidly, but human biology and…

  33. The Gift of Alignment: Finding Your Natural Path to Financial Peace

    · 30 min · S6 E24

    Key Takeaways • Alignment Precedes Wealth: True financial success and peace of mind rarely come from chasing someone else's definition of success; they begin by identifying whether your personal wiring fits a…

  34. LEFT BEHIND: THE LOGISTICS OF A LIFETIME OF POSSESSIONS

    · 30 min · S6 E22

    Aired: May 30, 2026 KEY TAKEAWAYS The Volume Over Value Reality Most families are not overwhelmed by the value of possessions. They are overwhelmed by the volume of a lifetime accumulated under one roof. What…

  35. Grieve or Guess: The Ultimate Gift of Estate Pre-Planning

    · 30 min · S6 E21

    Grieve or Guess: The Ultimate Gift of Estate Pre-Planning Aired May 23, 2026 KEY TAKEAWAYS • Pre-Planning Is a Gift to the People You Love Funeral pre-planning is not primarily about death—it is about reducing…

  36. The Red Folder: Estate Planning Documents Every Family Needs

    · 30 min · S6 E20

    The Red Folder: The Documents That Speak for You When You Can't Aired: May 16, 2026 Key Takeaways 1. Estate Planning Matters Most While You're Alive Many people think estate planning begins after death. In reality,…

  37. The Estate Planning Standoff: Why She Worries and Why He Waits

    · 30 min · S6 E19

    Aired May 9th, 2026 KEY TAKEAWAYS • Estate planning is ultimately about stewardship, clarity, and reducing chaos for the people you love. • Men and women often approach estate planning differently, but both are…

  38. Your Retirement Plan: How to maximize your HSA!

    · 30 min · S6 E18

    Air Date: May 2, 2026 | WLNI 105.9 FM KEY TAKEAWAYS The Triple Tax Advantage The Health Savings Account remains one of the most unique financial tools available: contributions may be tax-deductible, growth compounds…

  39. Your Retirement Plan: Traditional & Roth IRA Coordination

    · 30 min · S6 E17

    Air Date: April 25, 2026 Most people choose a Traditional IRA or Roth IRA based on a tax deduction, a headline, or a quick internet search. But retirement planning is not about collecting accounts. It is about…

  40. Your Retirement Plan: Small Business Structures—SEP, SIMPLE, and the Solo 401(k)

    · 30 min · S6 E16

    Air Date: April 18, 2026 🔑 KEY TAKEAWAYS Participation Is Not Protection With markets near all-time highs and inflation pressure persisting, simply being invested is not a strategy—positioning is. Structure Locks…

  41. Your Retirement Plan: Rollover and Roth Conversion Guidance

    · 30 min · S6 E15

    Air Date: April 11, 2026 KEY TAKEAWAYS A Rollover Is a Structural Decision—Not a Form. Where your money sits determines how it can be positioned, managed, and protected. This is architecture, not administration.…

  42. Your Retirement Plan: ESOP Planning — Opportunity and Risk

    · 30 min · S6 E14

    Air Date: April 3, 2026 KEY TAKEAWAYS • Regime Awareness Over Autopilot: In an economic season defined by shifting energy demands and AI-driven disruption, a “set-it-and-forget-it” posture is a structural…

  43. Your Retirement Plan: Framatome

    · 30 min · S6 E13

    KEY TAKEAWAYS · Systems Over Containers: The Framatome 401(k) is not just a place to store money; it is a complex financial system. While contribution rates are the fuel, your allocation architecture is the engine…

  44. Your Retirement Plan: BWXT

    · 30 min · S6 E12

    Air Date: March 21, 2026 KEY TAKEAWAYS • System Over Product: The BWX Technologies Thrift Plan is a multi-layered architecture—not just a 401(k). True outcomes depend on the coordination of matches, service…

  45. Your Retirement Plan: Centra Health

    · 30 min · S6 E11

    Air Date March 14, 2026 KEY TAKEAWAYS • The Rules Have Changed: Oil-driven inflation and AI disruption are creating a Quad 3 environment where old “set-it-and-forget-it” strategies are increasingly ineffective. •…

  46. INSIDE YOUR RETIREMENT: LIBERTY UNIVERSITY & THOMAS ROAD BAPTIST CHURCH

    · 30 min · S6 E10

    KEY TAKEAWAYS • Inflation Re-Acceleration Risk: CPI is forecast to climb from 2.39% toward 2.86%. This isn't runaway inflation, but a re-acceleration risk driven by energy and commodity pressure from Middle East…

  47. Inside Your Retirement: Lynchburg City Schools & City of Lynchburg

    · 30 min · S6 E9

    KEY TAKEAWAYS • AI as a Margin Killer: Artificial Intelligence is a deflationary force for software and financial firms. It compresses margins by automating labor and workflows, meaning firms that don't adapt their…

  48. Inside Your Company Retirement Plan: Getting Advice & the ROTH Option

    · 30 min · S6 E8

    KEY TAKEAWAYS • The Supreme Court IEEPA Ruling: The Court held that the President lacks unilateral authority to impose tariffs under IEEPA. While legally significant, the market impact is "marginal" compared to the…

  49. Your Company Retirement Plan, Picking Investments

    · 30 min · S6 E7

    CPI printed at 2.39% — inside our projected 2.37%–2.90% range — confirming inflation is persistent but not re-accelerating. Yet markets sold off. In this episode of Purpose Driven Finances, Allan Malina of Servus…

  50. How to Maximize Your Company Retirement Plan

    · 30 min · S6 E6

    Is your 401(k) a strategy or just a container? Allan Malina breaks down the 2026 volatility in silver and software before explaining how to move from passive participation to disciplined stewardship of your largest…

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