Wealth Mavericks

Creating a living trust is only the first step. In this episode, Erin talks with Terra Firma attorney partner Ciara Lister about the part many people delay or forget entirely: actually funding the trust.

Ciara breaks down the process in simple terms, including how to transfer real estate, update beneficiaries, handle business entities, and organize documents for your successor trustees. If your trust documents are signed but sitting unfinished, this episode is your practical nudge to complete the process and protect your family.

Learn how we can help you: https://www.terrafirmaconsultant.com/

...

What do you do when the spiritual side of your life feels empty, distant, or maybe has never really existed at all? In this episode, Erin and Joe talk about why spirituality comes first in the Five 10s, why so many people feel disconnected, and how to begin rebuilding this part of life without shame or pressure.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters

00:00 Exploring Spirituality: A Personal Journey

06:00 The Challenge of Disconnection in a...

Most high earners stay in the stock market—not because it’s best, but because it’s familiar. In this episode, Erin and Bob break down what alternative assets actually are, why accredited investors have access to opportunities most people never see, and how these investments can unlock both tax advantages and long-term wealth growth.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters

00:00 Introduction to Alternative Assets

02:57 Understanding Alternative Assets

06:00 The Role of Acc...

If you’re earning $500,000 a year or more and still relying on tax filing alone, you may have already outgrown your CPA without realizing it. In this episode, Erin and Bob break down what actually changes once your income reaches a certain level, why tax preparation and true tax strategy are not the same thing, and what high earners need to understand if they want to stop overpaying year after year.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 The Sh...

Most people say they want bigger results, but they keep making small, safe decisions. In this episode, Erin and Bob talk about the relationship between risk and reward, why fear keeps so many people stuck, and how successful people learn to assess uncertainty without letting it control them.

Bob shares how his approach to risk has shaped both his business and his life, along with the mindset that helps him move forward even when the outcome is unknown. If you’ve ever felt stuck overthinking your next move, this episode will challenge you to rethink what risk re...

You can be smart, successful, and doing all the “right” things with money — and still have major financial blind spots. In this episode, Erin and Joe unpack the hidden gaps they most often uncover in high earners’ financial lives, from redundant accounts and underperforming assets to tax inefficiencies and misunderstood insurance strategies.

They also explain why so many doctors don’t realize what’s missing until someone maps out the full picture. This conversation will help you see why “you don’t know what you don’t know” may be the biggest financial problem of all — and what to do about it.<...

What looks simple on the outside often took years of mistakes, learning, and refinement to build. In this episode, Erin and Joe unpack the kind of mastery that makes financial strategy look easy — and why what Bob Wolf has built at Terra Firma is the result of decades of experience, not overnight success.
They talk about what most people never see behind real expertise, why simplicity is often the product of years of complexity, and how Terra Firma is working to turn hard-earned knowledge into a clear, repeatable system that helps doctors build lasting wealth with confidence.

In this episode, Erin and Joe unpack the mindset traps that cause so many people to feel guilt, shame, or hesitation around building serious wealth.They explore why wealth is not something to apologize for, how scarcity thinking quietly holds people back, and why more money in the hands of good people can create more freedom, generosity, and impact. This conversation will challenge the way you think about money and help you define what wealth is actually for in your life.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings...

High earners often focus on financial strategy, but just as critical is a strong foundation in personal relationships. This episode offers practical marriage advice and marriage tips, highlighting the importance of communication skills and active listening to foster emotional intelligence. Building a robust relationship requires constant personal development and genuine care, ensuring that both partners feel heard and valued. 

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Strengthening Marriages: An Introduction
02:26 The Foundation of Strong Marriages
06:19 Navigating Different S...

In this episode, Erin and Joe break down the three most common financial problems physicians face before working with Terra Firma: overpaying in taxes, lacking a clear plan for excess cash flow, and not knowing what “enough” truly looks like. You’ll learn why clarity changes everything — and how defining these issues is the first step toward real financial freedom.

Learn how we can help you: https://www.terrafirmaconsultant.com/
Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Identifying Common Financial Problems
05:29 Understanding Income and Asset Issues
13:03 Defining Your Freedom...

Fallen off the horse physically? You’re not alone. In this episode, Erin and Joe share three powerful mindset shifts that help you rebuild momentum, reclaim discipline, and create the upward spiral that fuels every area of life.

Three mindset shifts that help you rebuild momentum without shame:

Learn how we can help you: https://www.terrafirmaconsultant.com/

Ge...

In this episode, Erin sits down with Sofia Ortiz (Mavrik Marketing) to break down the real do’s and don’ts of online advertising—why so many campaigns fail, what’s actually working right now, and the two follow-up windows that decide whether ads become profit or a money pit.

They cover:

Are you and your spouse on the same page financially—or just winging it? In this episode, Erin and Joe dive into the most common money issues couples face and how to overcome them. From communication breakdowns to hidden spending, they reveal practical steps to turn financial friction into teamwork. If you’ve ever felt alone in handling the finances (or unsure how to get your spouse involved), this conversation is a must.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

The Mand...

You’re making great money, but still not where you want to be financially. Why? In this episode, Erin and Joe reveal the Terra Firma GPS—your Greatest Probability Strategy—for building true wealth. They explain how most high earners are stuck with uncoordinated advice, scattered finances, and no clear roadmap. Learn how to align your goals, simplify your financial life, and accelerate your path to freedom.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Introduction
01:00 The Freedom Roadmap and GP...

This episode is a raw, honest look at the battles and blessings of building Terra Firma from scratch. Erin sits down with founder Bob Wolf to unpack the real story—sleepless nights, leaps of faith, and the unwavering vision that drove him to create something radically different in the financial industry. From learning to lead with humility to building a culture of service, this is the heart behind the mission. If you’re building something big, or you feel called to make an impact, this one will hit home.

Learn how we can help you: https://www.terr...

Many high-income professionals give generously—but few give strategically. In this episode, Erin sits down with Terra Firma founder Bob Wolf to break down smarter ways to structure charitable giving, from business-based donations to donor-advised funds and family foundations. Learn how to align generosity with long-term tax strategy, legacy planning, and intentional impact—without losing sight of the causes that matter most.

Learn how we can help you: https://www.terrafirmaconsultant.com/
Get Your Tax Savings Estimate: https://bit.ly/cfrforms
Subscribe to Bob’s Youtube Channel: https://www.youtube.com/@assetcoachtaxstrategist9468

Chapters
00...

Making great money doesn’t guarantee financial peace. In this episode, Erin and Joe reveal five simple ways to take control of your personal finances in 2026—without guilt, shame, or spreadsheets. From asking better questions to building buckets with purpose, this is the mindset shift high earners need to stop leaking money and start building the life they actually want.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Unlocking Financial Freedom
02:57 Mindset and Intentional Spending
05:48 Pay Yourself First
...

Why does time feel like it’s speeding up as we get older — and what can we do about it? In this first episode of 2026, Erin and Joe dive into a powerful Harvard-backed explanation and share how you can make this year feel more meaningful and memorable. From choosing a word of the year to tackling new experiences, this episode is your permission slip to shake things up, build deeper connection, and take back control of your time.

Jesse Itzler 2026 planning video: https://www.youtube.com/watch?v=38fdOXcsN_g

Learn how we can help you...

High achievers love setting big goals—but rarely stop to reflect on progress. In this short but powerful episode, Erin and Joe hit pause on the hustle to talk about the value of looking back before you charge ahead. Celebrate the wins. Learn from the misses. And set the tone for a more intentional 2026.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Reflecting on the Past Year
02:47 Celebrating Wins and Progress
06:02 Preparing for the New Year

Too many doctors wake up at the end of the year and realize they didn’t do the things that mattered most. In this episode, Erin and Megan break down how to reverse engineer your life by setting clear, non-negotiable priorities — and actually putting them on the calendar. From planning adventures to prioritizing health and family, this is your playbook for living intentionally and creating a life you’re proud of.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Setting Non-Ne...

Most doctors come to Terra Firma for tax savings — but they stay for something much deeper. In this episode, Erin and Joe reveal why coaching is at the heart of our membership and how it transforms more than just your finances. From saving marriages to helping clients reconnect with their purpose, we’re here to help you stop living on autopilot and start building a life that truly matters.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 The Importance of Coac...

What do you do when life hits hard? In this episode of Wealth Mavericks, Erin and Megan unpack how your mindset shapes your outcomes—even in the darkest seasons. From practical neuroscience to personal stories, you’ll learn how to take back control, reframe your thoughts, and become your own biggest fan. A must-listen for anyone feeling overwhelmed, stuck, or in need of a breakthrough.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters

00:00 Mindset Matters: Navigating Hard...

If you’re a doctor, practice owner, or business leader, this episode is for you. Erin and Joe break down one of the biggest barriers to growth: having the wrong people in the wrong seats. Learn how to use a simple but powerful tool to assess your staff, make better hiring decisions, and stop tolerating mediocrity. If you’ve ever struggled with letting someone go—or wondered how to find great people—this episode will give you the clarity and confidence to lead intentionally.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax...

Are your time and money actually aligned with what you say matters most? In this episode of Wealth Mavericks, Erin and Joe challenge you to pause, reflect, and audit your life as the year ends. Discover simple tools to uncover your true values, eliminate regret, and start making decisions that create lasting fulfillment and freedom. Your calendar and bank account are telling a story—are you ready to rewrite it?

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Living in Al...

In this special behind-the-scenes episode, we introduce you to one of Terra Firma’s trusted partners: Steve Blackwell of InVito Energy. Get a preview of how we evaluate strategic partnerships and why oil & gas can offer powerful tax advantages and long-term wealth potential—especially for doctors looking to diversify beyond the stock market. It’s a peek into how we help members play the game the way the wealthy do.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 Episode Intro
02...

What if generosity wasn’t just a virtue — but a strategy for lasting wealth and joy? In this episode, Erin and Joe dive deep into the mindset of giving — not from guilt or obligation, but from abundance. They explore the power of generosity to free you from money stress, build family legacy, and amplify your impact. You’ll hear personal stories, smart tax strategies for charitable giving, and why planning leads to greater freedom to give. This one’s heart-opening and mindset-shifting.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Es...

In this episode, Erin is joined by Terra Firma coach and 20-year Air Force veteran Eric Lescarbeau to talk about the military mindset and how it helps doctors break free from inaction, overwhelm, and overthinking. They explore three key mindset shifts — being decisive, choosing discipline over willpower, and taking ownership of your financial future. 

If you’re tired of overpaying in taxes or waiting for the “right time” to act, this conversation is your wake-up call. Learn how to stop stalling and start building real wealth — one strategic move at a time.

Learn how we can help yo...

Mental health, burnout, disengagement—your team brings more than skills to work every day. In this powerful episode, Erin sits down with Lori Lara—mental health expert, corporate trainer, and martial arts black belt—to reveal what your employees are really battling and what you, the practice owner, can do about it. 

From setting the tone as a leader to practical ways to help your team thrive, this conversation will challenge and equip you to build a practice that performs—and cares.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax...

Changing the financial industry isn’t easy—and we never expected it to be. In this episode, Erin and Joe pull back the curtain on the mission behind Terra Firma and what it takes to build something truly different for doctors.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and...

What separates the doctors who thrive from those who just coast? In this episode, Erin and Joe unpack the five key qualities shared by their most successful members—traits that lead to bigger tax savings, faster progress, and greater impact. Whether you’re a current member or just considering your next financial move, this conversation will help you reflect on how to get the most out of the journey.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms 

The information in these videos is fo...

Warren Buffett is the Master of Capital—but how does he do it? In this episode, we break down Buffett’s investment strategy, how Berkshire Hathaway operates like a private mutual fund, and the secret sauce behind his wealth-building formula.

Learn how he uses cash to generate more cash and why patience is the ultimate competitive advantage. Don’t miss this deep dive into Buffett’s blueprint for generational wealth!

Subscribe to Bob’s Asset Coach & Tax Strategist Youtube channel: https://www.youtube.com/@assetcoachtaxstrategist9468

Learn how we can help you: https://www.terrafirma...

Another tax season, another $100K+ gone—and most doctors just move on. But what if you zoomed out and saw the lifetime impact of that overpayment? Erin and Joe dig deep into why smart, high-earning doctors must shift their mindset. This isn’t just about tax strategy—it’s about legacy, stewardship, and what’s possible when you stop leaving money on the table.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://bit.ly/cfrforms

Chapters
00:00 The Burden of Overpaying Taxes
03:03 Changing the Mindse...

Is your business truly active in the eyes of the IRS? Most doctors misunderstand material participation. In this episode, Erin and Bob unpack what it means to prove you’re running a real business, how to avoid common real estate pitfalls, and why smart documentation is your best tax strategy. Learn how Terra Firma helps you build “the business of you” and legally optimize your taxes - without fear.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform/

Chapters
00:00 Intro
01:12 Unders...

What’s your number? In this episode, we break down the concept of the "Freedom Point"—that moment when work becomes optional and your assets cover your ideal lifestyle. Joe and Erin discuss how to reverse-engineer the number, navigate legacy planning, and avoid the trap of burnout without purpose. Whether you’re at the beginning of your journey or wondering if you’ve already arrived, this episode will challenge you to define what “enough” really looks like.

Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform...

Can you grow your wealth without sacrificing your life? In this episode, Erin and Joe unpack the tension between career ambition and true freedom. Discover how the 5 Tens framework helps doctors stay aligned with their values while still pursuing big goals. Whether you're chasing more or learning to say no, this conversation is your reminder: you can build wealth and live well.
 
Learn how we can help you: https://www.terrafirmaconsultant.com/

Get Your Tax Savings Estimate: https://www.terrafirmaconsultant.com/cfrform/

Chapters
00:00 Navigating Work-Life Balance
05:12 Understanding Values and Goals
10:01 L...

What do you do when a team member goes rogue and your reputation takes a hit? In this candid episode, Erin and Joe share the behind-the-scenes story of a recent mistake, how it unfolded, and what they did next. Learn five clear steps for turning a painful leadership moment into a powerful opportunity for growth.

Learn how we can help you: https://www.terrafirmaconsultant.com/

To watch this episode on youtube: https://www.youtube.com/watch?v=6bbasP19evA

Chapters
00:00 Introduction to Team Dynamics and Challenges
04:52 The Rogue Team Member Incident<...

Doctors, don’t wait until it’s too late. In this episode, estate attorney Ciara Lister joins us to break down why a living trust matters, the costly mistakes to avoid, and how you can protect your kids, assets, and legacy—without paying $10K to do it. It’s easier than you think.

 Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a financial benefit for Terra Firma and...

Fitness is often the first thing to fall off for busy doctors—but it’s also the one thing that unlocks energy, longevity, and joy in every other part of life. In this episode, we talk mindset shifts, simple habits, and real-life doctor stories that prove you can make fitness fun, sustainable, and part of your 10/10 life.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a fina...

Most doctors don’t understand the difference between marginal and effective tax rates — and it’s costing them thousands. In this episode, we break down how the progressive tax system really works, how to avoid overpaying, and why your CPA might be missing critical strategies. If you’re earning more but keeping less, this is the tax talk you didn’t know you needed.

Learn how we can help you: https://www.terrafirmaconsultant.com/

 The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial a...

Most doctors are sitting on hundreds of thousands in home equity—and doing nothing with it. In this episode of Wealth Mavericks, Erin and Bob break down how to use HELOCs strategically to create more wealth, not more debt. From funding investments to tax-smart planning, this is the mindset shift most high earners need.

Learn how we can help you: https://www.terrafirmaconsultant.com/

The information in these videos is for informational and educational purposes only and should not be construed as tax, legal, or financial advice. Linked items may create a fi...