{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Ep 493: Growing To $350M AUM By Putting Client Cash Flow At The Center Of The Planning Process with David Mozeika","description":" Budgeting \u2013 less about rigid restrictions, more about changing mindsets on using income effectively. Today\u2019s guest shares a different approach to financial planning: one that focuses less on restricting spending and more on creating intentional systems that help clients save automatically and use their income more effectively. David Mozeika is the founder of TOMORO, an RIA based in Red Bank, New Jersey, that oversees $350 million in assets under management for 600 client households. In this episode, David explains how his \u201cincome under management\u201d philosophy helps clients treat cash flow as an asset, using a \u201ccash flow reservoir\u201d system to separate spending from saving and reduce unconscious spending habits. We also talk about his four-part financial positioning framework, how he approaches ongoing client meetings as a calibration process rather than a static plan review, and how leaning into his unique strengths ultimately shaped the growth of his firm.  For show notes and more visit: https:\/\/www.kitces.com\/493      ","author_name":"Financial Advisor Success","author_url":"https:\/\/www.kitces.com\/podcast\/","html":"