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Check Out Our Podcast!

Come Along on The Road to Financial Independence

Join hosts Peter Golotko and Michael Riskin from CPS Investment Advisors as they guide you on The Road to Financial Independence podcast. In this insightful show, they break down complex financial topics, offering practical advice on everything from navigating the economy and planning your 401(k) to understanding divorce law and estate planning.

Whether you’re building wealth, protecting your assets, or preparing for retirement, this podcast delivers insights to help you achieve financial freedom. Tune in to The Road to Financial Independence podcast to gain the knowledge and tools you need to take control of your financial future.

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In this Quarterly Market Update, we welcome our Chief Investment Officer, Patrick Gauthier, to the show to break down several of the biggest topics shaping markets and the economy today. From rising oil prices and Federal Reserve uncertainty to artificial intelligence, consumer spending trends, and long-term portfolio strategy, this update has all the details to know for this upcoming quarter. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 40:14
July Market Update: Oil, AI, Valuations & The Economy
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July Market Update: Oil, AI, Valuations & The Economy

In this Quarterly Market Update, we welcome our Chief Investment Officer, Patrick Gauthier, to the show to break down several of the biggest topics shaping markets and the economy today. From rising oil prices and Federal Reserve uncertainty to artificial intelligence, consumer spending trends, and long-term portfolio strategy, this update has all the details to know for this upcoming quarter.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. ...

In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko break down one of the most powerful concepts in investing — the Rule of 72. They walk through how your money actually grows, why compounding is the real game-changer, and what most people get wrong about timing the market, risk, and returns. If you’ve ever wondered how to turn $1M into $2M—or how long it takes to get there—this episode makes it simple. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 32:35
How Money Grows | Rule of 72
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How Money Grows | Rule of 72

This video is private. ...

Graduation is exciting — but stepping into adulthood, a first job, or a new career path can also feel overwhelming. In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko discuss what high school and college graduates should think about as they begin their next chapter. From understanding workplace benefits and health insurance to starting a 401(k), building an emergency fund, managing spending, and keeping housing costs low, this conversation breaks down practical steps young adults can take early. Start early. Stay patient. Live below your means. Stay steady as you grow. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 24:39
You Graduated! Now What? Financial Moves for Life After School
YouTube Video UEw0b2ZhbjZnLUkxZFFscXdqeEowTkx2Rm42dHhEWlpCYy5CQkEwRDA0MDkwNUM2MDY1

You Graduated! Now What? Financial Moves for Life After School

Graduation is exciting — but stepping into adulthood, a first job, or a new career path can also feel overwhelming.

In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko discuss what high school and college graduates should think about as they begin their next chapter. From understanding workplace benefits and health insurance to starting a 401(k), building an emergency fund, managing spending, and keeping housing costs low, this conversation breaks down practical steps young adults can take early.

Start early. Stay patient. Live below your means. Stay steady as you grow.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. ...

In this episode, we break down what’s really driving recent market volatility—and why it may not be as bad as it feels. From rising oil prices and global conflict to the reality behind AI stocks and investor behavior, we cut through the noise and focus on what actually matters. More importantly, we talk about what smart investors do in moments like this—and why market downturns can create real opportunities. If you’ve been feeling uncertain about where things are headed, this is the perspective you need. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 26:03
April Market Update: War, Oil Prices & What’s Moving the Market
YouTube Video UEw0b2ZhbjZnLUkxZFFscXdqeEowTkx2Rm42dHhEWlpCYy43NERCMDIzQzFBMERCMEE3

April Market Update: War, Oil Prices & What’s Moving the Market

In this episode, we break down what’s really driving recent market volatility—and why it may not be as bad as it feels. From rising oil prices and global conflict to the reality behind AI stocks and investor behavior, we cut through the noise and focus on what actually matters.
More importantly, we talk about what smart investors do in moments like this—and why market downturns can create real opportunities. If you’ve been feeling uncertain about where things are headed, this is the perspective you need.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. ...

Wealth isn’t built overnight — it’s built on consistent habits. In this episode, Mike and Pete take a closer look at The Fifteen Decrees of a Millionaire, exploring how each decree plays a part in shaping a clear, disciplined path toward financial independence. Tune in for insight, strategy, and motivation to strengthen your own financial roadmap. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 33:53
The Fifteen Decrees of a Millionaire: Keys to Building Wealth
YouTube Video UEw0b2ZhbjZnLUkxZFFscXdqeEowTkx2Rm42dHhEWlpCYy5ENjI1QUI0MDI5NEQzODFE

The Fifteen Decrees of a Millionaire: Keys to Building Wealth

This video is private. ...

Want to know how building wealth really works, why starting early matters, and how small, consistent savings can grow into financial independence over time? Tune in to this episode, where Mike Riskin and Peter Golotko share the key to personal finance. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 30:23
Pay Yourself First: The #1 Rule for Building Wealth and Financial Independence
YouTube Video UEw0b2ZhbjZnLUkxZFFscXdqeEowTkx2Rm42dHhEWlpCYy40QzRDOEU0QUYwNUIxN0M1

Pay Yourself First: The #1 Rule for Building Wealth and Financial Independence

Want to know how building wealth really works, why starting early matters, and how small, consistent savings can grow into financial independence over time? Tune in to this episode, where Mike Riskin and Peter Golotko share the key to personal finance.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. ...

In this March 2026 Market Update, Mike Riskin and Peter Golotko discuss how the recent Middle East conflict and U.S. strike on Iran are impacting the stock market and investor sentiment. *The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 12:20
Middle East Conflict & The Market | March 2026 Update
YouTube Video UEw0b2ZhbjZnLUkxZFFscXdqeEowTkx2Rm42dHhEWlpCYy4xMzgwMzBERjQ4NjEzNUE5

Middle East Conflict & The Market | March 2026 Update

In this March 2026 Market Update, Mike Riskin and Peter Golotko discuss how the recent Middle East conflict and U.S. strike on Iran are impacting the stock market and investor sentiment.

*The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. ...

Mike and Pete dive into the nuance of debt and why the way you tackle it can significantly alter your financial situation **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 32:09
Two Couples in Debt: The Power of Saving Early and Often
YouTube Video UEw0b2ZhbjZnLUkxZFFscXdqeEowTkx2Rm42dHhEWlpCYy45NkVENTkxRDdCQUFBMDY4

Two Couples in Debt: The Power of Saving Early and Often

Mike and Pete dive into the nuance of debt and why the way you tackle it can significantly alter your financial situation

**The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. ...

Paying for college doesn’t have to feel overwhelming. In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko sit down with Bill Langston, Director of Financial Aid at Florida Southern College, to break down how families can make the most of financial aid, Florida Prepaid, and 529 college savings plans. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 40:15
Financial Aid 101: How to Prepare and What to Expect
YouTube Video UEw0b2ZhbjZnLUkxZFFscXdqeEowTkx2Rm42dHhEWlpCYy5DRUQwODMxQzUyRTlGRkY3

Financial Aid 101: How to Prepare and What to Expect

Paying for college doesn’t have to feel overwhelming. In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko sit down with Bill Langston, Director of Financial Aid at Florida Southern College, to break down how families can make the most of financial aid, Florida Prepaid, and 529 college savings plans.

**The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. ...

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