In this episode of Looking Forward Our Way, we talk with Ben Hoeger, financial advisor and Director of Private Wealth Management at the Hedley Hoeger Group at Baird Private Wealth Management. Ben provides practical advice on navigating the often intimidating world of financial planning, especially during turbulent economic times.
We begin by celebrating Ben’s team’s recent recognition by Forbes and Shook Research as a best-in-state wealth management team—a testament to their teamwork and dedication. Ben shares some of his own journey into this field, shaped by his education at Otterbein and early career experiences that focused not just on investments, but on supporting people through life’s twists and turns.
Ben explains the key questions to ask when choosing a financial advisor, emphasizing the importance of understanding an advisor’s process, communication style, and compensation. More critically, he highlights the personal side of financial planning: finding a relationship rooted in trust and genuine interest in your life, not just your money.
We walk through what it’s like to become a new client—starting with conversations around personal values and goals long before crunching numbers. Ben underlines how effective financial planning is built on clarity around what matters most to you, so decisions during life’s expected and unexpected changes always circle back to those core values.
Our conversation covers techniques for balancing savings for near-term needs, emergencies, and longer-term goals, using a “bucket” approach to risk and time horizons. We also round out the discussion by addressing how tools like artificial intelligence fit into the advisor-client relationship, and why the human touch remains irreplaceable.
Ben introduces the Life Planning Initiative at his firm, which supports clients’ broader well-being—not just their balance sheets—and leaves us with wise advice: align your financial strategy with your values for a more fulfilling journey ahead.
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Moments
00:00 Discovering a passion for finance
06:40 Choosing the right team expertise
08:58 Building lasting client relationships
11:01 Discussing financial advisor background checks
15:15 Discussing personal financial motivations
19:25 Importance of financial goals
23:22 Using the bucketing approach
24:39 Discussing investment risk strategies
27:45 Aligning risk tolerance with guidance
31:56 AI and Social Security advice
35:03 Finding purpose beyond retirement
38:04 Aligning investments with personal values
FAQ
1. What should I ask a financial advisor in my first meeting?
According to Ben Hoeger at 06:06, you should ask about their process, the type of clients they typically serve, how and how often they communicate, their investment philosophy, and critically, how they get paid. It's also important to ensure their approach aligns with your needs and that you feel comfortable and can trust them.
2. How do I start working with a financial advisor?
Ben Hoeger explains at 12:51 that the process usually starts with an introductory conversation focused on getting to know each other and discussing your motivations for seeking financial advice, rather than diving into numbers right away. The next steps typically involve discussing your values, vision, and goals before moving on to financial details.
5. How do I check a financial advisor's background or credentials?
At 11:01, Ben Hoeger recommends reviewing a financial advisor's "U4" report, which documents their work history, licenses, and any complaints. This is an essential part of doing your due diligence before entrusting someone with your finances.
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Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.
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Copyright 2026 Carol Ventresca and Brett Johnson
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Listener Disclaimer
The views and opinions expressed by the experts interviewed on this podcast are their own and do not necessarily reflect the views of the podcast hosts or any affiliated organizations. The information provided in these interviews is for general informational purposes only and should not be considered as professional advice. Listeners are encouraged to consult with qualified professionals for specific advice or information related to their individual circumstances. The podcast host and producers do not endorse or guarantee the accuracy, completeness, or reliability of any information provided by the experts interviewed. Listener discretion is advised.
