Agency Intelligence

Why do we assume something has to be complicated to be valuable? That question sparked a spontaneous recording session after ⁠Erik Garcia⁠, CFP®, ChFC®, BFA™, walked into ⁠Xavier Angel⁠’s office to unload a bit of planner frustration. Joined by co-host Xavier Angel, CFP®, ChFC®, CLTC, the two dive into the false narrative that complexity equals effectiveness when it comes to financial planning. Spoiler: it doesn’t. In this unscripted and honest conversation, Erik and Xavier explore why simplicity should always be the starting point in financial planning. They break down the difference between necessary complexity and unnecessary confusion—and how chasing sophistication too soon can sabotage progress. If you've ever felt overwhelmed by your financial plan (or someone tried to impress you with one), this episode is for you. Follow the show and share it with someone who needs a little more clarity and a lot less clutter. Episode Highlights: Erik explains the myth that complexity is better than simplicit