The Ripple Effect: How Financial Literacy Shapes Generations

Cary Sinnett sits down with Jackie Koski to challenge a core assumption in financial planning: strategy isn't the starting point—literacy is.

They explore how foundational knowledge shapes better decisions, why behavior often overrides logic, and how financial professionals can expand their impact beyond client engagements.

Questions Answered

How does financial literacy change a client's path to financial independence?  Why do money beliefs derail sound financial decisions?  How can advisors scale their impact beyond their client base?  Key Themes

Literacy as the foundation for better planning outcomes  Behavior, beliefs, and decision-making gaps  Rethinking FIRE for real-world clients  The late starter journey: from shame to action  Expanding your role from advisor to educator  Why It Matters

Better-informed clients make better decisions—and better clients.

Your knowledge doesn't need to stop at your client list.

AICPA Resources:

Financial Literacy resources

Financial Literacy Month Spotlight

CPAs role in Financial Literacy

PFP Champion Program