The Life By Design Podcast

Have you ever gotten a call from your bank or the government asking for money to protect your identity or finances? Or heard about scams like these in the news? How can you prevent yourself from falling prey to these predators? Royal Standley tackles the pressing issue of identity theft and scams, providing practical tips and real-life scenarios to help listeners safeguard themselves. He highlight...

The term volatility brings feelings of uncertainty and unease when it comes to the investment market. What if you knew about some strategies that are used to maximize returns in low-interest rate environments? Explore investment options and information to navigate uncertain times in the market while learning about strategies ot leverage annuities, bonds and high yield investments from Royal Standl...

Your financial advisors aren’t that much different from you. They deal with their own financial struggles and face their own problems when it comes to money. That personal experience can even help them advise clients better in the future. In this episode, Royal Standley is joined by Chris Bautista, of Oregon Pacific Financial Advisors, who shares his background and experiences with financial strug...

Have you ever had a scam call that sounded legitimate? Maybe had someone you know fall for what seems like an obvious scam?  In this episode, Royal Standley explores ways to protect oneself from falling victim to scams, such as verifying phone calls and not trusting unfamiliar emails or messages. Royal shares personal experiences and statistics related to fraud, emphasizing the vulnerability of ol...

Are you looking for inspiration to overcome challenges and establish your own business?  Interested in how effective strategies can create a values-driven workplace and enhance your leadership skills? The company culture could be the key. In this episode, Royal Standley speaks with Lisa McClease-Kelly, Co-Owner of Kelly’s Automotive Services, as she opens up about her move to Oregon, the challenge...

As a client, you want to know your financial planner will not only create a financial and retirement plan; you want them to care about how that plan can help you the best.  In this episode, Royal Standley is joined by Jenny Hamilton, a financial planner with Oregon Pacific Financial Advisors, in discussing her background and transition into the financial industry. Jenny dives into how she helps cl...

When it comes to podcasting, there are typically two groups of people talking. The main speakers share their insights on specific topics and the podcast host, is someone who keeps the topics flowing with questions and insights. In this episode, Royal Standley interviews the latest addition to his podcast, Bill Tucker, a podcast producer with Proudmouth and an award-winning reporter. Bill shares hi...

Boys Town has been working with kids and families since 1917, helping individuals involved in the court system to build towards a successful future with the ultimate goal being family reunification. In this episode, Royal Standley turns the tables to interview his own podcast producer and host, Aric Johnson, President & CEO of AXIS Coaching and Consulting as well as a producer with Proudmouth....

When meeting with a financial advisor, you are focused on building a financial and retirement plan based on numbers. Who is the person you are working with beyond the numbers? In this episode, financial advisor Royal Standley of Oregon Pacific Financial Advisors discusses his background, passion, and career in financial services. He specializes in retirement and business planning, emphasizing acti...

There is always someone talking about how technology will take over your jobs in the future. While that might not be entirely true, how can you ensure you adapt to changes within the workplace and protect yourself financially? In this episode, Royal Standley focuses on creating a solid financial plan for future career paths. He explores what opportunities clients should be aware of for their futur...

Creating a financial or estate plan is never a one-and-done endeavor. How can advisors help identify the potential problems in a plan and correct the problem before it happens to the client? In this episode, Royal Standley focuses on stress testing financial and estate plans to ensure the clients have saved enough for the lifestyle they are accustomed to. Royal shares how he helps clients identify...

Most people don’t know that the government has hit the debt ceiling and the Treasury Department is struggling to balance the finances. What does this mean for the rest of America? In this episode, Royal Standley explores what it means to hit the debt ceiling and why it is a big deal if there is no solution. He shares how hitting the debt ceiling impacts different levels of individuals, from govern...

During the shutdowns, those with social connections in their home or online experienced joy from not leaving the house. The reason? They had no reason to go out because they were still in contact with their friends and loved ones. In this episode, Royal Standley explores the importance of social connections on longevity and health. Royal shares how different age groups can expand their communities...

During the first few months of this year, there has been a lot of news causing financial uncertainty and impacting the country’s economy. Is the rise of the Chinese Yuan something we should be concerned about? What movements are we seeing in the stock and bonds markets? Is it a good idea to invest in precious metals to cope with uncertainty? In this episode, Royal Standley analyzes the topic...

As you move through life your financial situation changes. Maybe you change careers, start a family or experience a life-changing situation. No matter what happens, a financial advisor can help you stay on track. In this episode, Royal Standley explores the relationship between advisor and client through the planning process. Royal shares a story to illustrate the process from the first meeting th...

After joining Oregon Pacific Financial Advisors over a year ago and with over 20 years of experience in the financial planning and insurance space, Michele Farrell has dug her roots in the industry by connecting with other professionals such as CPAs, estate planning attorneys and insurance professionals.  From picking herself up off her feet after a sudden death in her family, she was able to turn...

Financial planning designations are an alphabet soup of letters that aren’t always explained. How do you choose the right advisor for your planning needs? In this episode, Royal Standley focuses on what the different designations mean, both for the advisor’s education and for the clients looking to find the right advisor. Royal explores how having more designations isn’t always the best opti...

When the SECURE Act was first rolled out, clients were eager to learn more about the benefits they could receive. With the latest updates to the SECURE Act entering quietly, financial advisors and their clients might need to learn how to leverage these tools in the best way possible. In this episode, Royal Standley focuses on the major points of the SECURE Act 2.0 that might affect most people and...

Creating an estate plan can be a lot of work, making sure everything is covered and all your assets are doing what you want them to. Not having one is even worse. In this episode, Royal Standley focuses on estate planning, the tools to build a good estate plan and what happens if you don’t have one. Royal dives into the different pieces of estate planning and how having one can ease the way for fu...

The financial world took a hit during 2022, with the debate focused on “when” rather than “if” we will enter a recession. What do the investment and financial options of 2023 look like? In this episode, Royal Standley reviews the past few years of investment choices and how those decisions will impact future investment decisions. Royal dives into the possibilities of a recession, how inflation wil...

Inflation in the US is expected to continue rising, but it won’t last forever. In this episode, Royal Standley discusses the top four reasons he sees for inflation in the US. Royal explains where we’ve seen the biggest impact as well as what the government and Americans can do to help minimize the financial impact of rising costs and mortgage rates. Royal discusses: The top 4 reasons why the US is...

The world is constantly changing and it’s up to us to adapt.  In this episode, Royal Standley shares the latest updates in his personal and professional life, recounting how recent events changed the way he focuses on advising clients. Royal talks about the changes he has experienced in addition to his vision and expectations for the future. Royal discusses: Opening of a new office in Grants Pass...

If you are just starting your financial planning or preparing for retirement, there are always questions on what to do and how to prepare your financial future. In this episode, Royal Standley answers some of the financial planning questions sent in by you. He dives into some of the uncertainties clients feel during the financial planning process to help you live a relaxing retirement. Royal discu...

Everyone wants to earn money without breaking a sweat when it comes to investing. In this episode, Royal Standley discusses some strategies for liquid assets, how they can benefit you and what they can accomplish even while you’re sleeping. He also reveals how the difference between mutual funds and ETFs impact your investment decisions based on your personal goals. Royal discusses: The three grou...

Everyone has heard the term financial planning over and over again. But do you truly understand financial planning as a whole?  In this episode, Royal Standley shares what financial advising truly is, diving into what to look for as a client and the steps a financial advisor takes to create a financial plan. He reveals some of the fears and worries of clients, how financial advisors create a perso...