Ep 493: Growing To $350M AUM By Putting Client Cash Flow At The Center Of The Planning Process with David Mozeika

Episode notes

Budgeting - less about rigid restrictions, more about changing mindsets on using income effectively. Today's 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 "income under management" philosophy helps clients treat cash flow as an asset, using a "cash flow reservoir" 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:

• Ep 497: Growing From Solo To Siloed Partnership To A $3.3B Enterprise Ensemble (Without Taking Outside Capital) with Shane Morrow88 / 100
• Ep 496: Lessons Learned From Building A $60B Advisory Enterprise with Shannon Eusey
• Ep 495: Scaling To $3.5M Of (Flat-Fee) Revenue by Leaning into A Unique Retirement Income Approach with Bradley Clark
• Ep 494: Training Next-Gen Advisors In Business Development By Getting Really Clear About Who They Serve And How They Help with Kristin Harad
• Ep 492: Getting Your (Virtual) Team's Best Work Through Steward Leadership On The Growth Path To $500M with Mary Chapman