#40. Wealth Is a Team Sport (with Cheryl Hirss of Sagewater Financial)

Money decisions are rarely just about math. They’re about fear, confidence, trust, and timing. In this episode of Drip Trickle Flow Flood, we’re joined by Cheryl Hirss, owner of Sagewater Financial, to demystify what financial advisors actually do, who benefits most from working with one, and how taking emotion out of investing can dramatically change long-term outcomes. From navigating retirement transitions to managing family dynamics and building a true “financial team,” Cheryl brings a calm, grounded perspective to a world that often feels overwhelming and reactive.

We discuss:

1. A financial advisor’s real value is removing emotion from money decisions.
2. Fear and greed drive most poor financial outcomes, and having a disciplined plan helps prevent reactive buying, selling, or freezing.
3. There’s no “too late” — only unrealistic goals and lack of discipline.
4. People start working with advisors at every life stage, and progress is still possible with clear expectations and consistency.
5. Wealth is a system of pillars.
6. Investments, real estate, entrepreneurship, taxes, insurance, and estate planning all work together, not in isolation.
7. Couples don’t need identical money personalities, just a shared plan.
8. Objective risk assessments and data-driven tools can help partners find common ground without emotional conflict.
9. A good advisor thinks about the gaps you don’t know to look for.
10. From estate planning oversights to life transitions, real financial planning goes far beyond picking investments.

Learn more about Cheryl at her website: https://www.sagewaterfinancial.com/team/cheryl-hirss

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The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

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