Insurance often feels like an afterthought until something goes wrong. Are you confident your coverage actually protects you when it matters most?

In this episode, Rossby Financial’s Founder Andrew Evans chats with Chad Ramberg, Founder & President of Box Professional Insurance, about errors and omissions insurance for financial advisors. Chad shares his journey from claims adjuster to financial advisor to insurance specialist, explaining why most advisors misunderstand their coverage. He breaks down the lifecycle of claims, the importance of early intervention, and how group plans may leave advisors exposed.

Chad discusses:

• Why his 20 years on the claims side revealed the problems with generic insurance coverage approaches
• How claims volume correlates with market downturns and why severity matters more than frequency
• The importance of calling for help before complaints escalate into formal claims
• Why default deductibles and aggregate limits may not align with your actual risk exposure
• How some firms collect more in premiums from advisors than their total coverage provides
• And more!

Connect with Rossby Financial:

• (321) 209-0111
• Website: Rossby Financial
• Website: ROffice
• LinkedIn: Rossby Financial
• Instagram: @rossby_wealth

Connect with Andrew Evans:

• LinkedIn: Andrew Evans
• Email: aevans@rossbyfinancial.com

Connect with Chad Ramberg:

• LinkedIn: Chad Ramberg
• Website: Box Professional Insurance
• chad.ramberg@boxproinsurance.com

About Our Guest:

Chad Ramberg has over 25+ years of experience in management, including GM/Director and Controller positions.

For the initial decades of his career, he held leadership positions in the claims division of the insurance industry. As his career in the claims sector drew to a close, he opted to channel his financial acumen into becoming a registered investment advisor. During his tenure as an advisor, he gained a profound respect for the day-to-day challenges RIAs face. Changing course, Chad discovered that he could make a more significant contribution to the financial services community by becoming an insurance advisor to advisors. Now, Chad has the privilege of engaging with advisors across the country, meeting their needs so they can focus on what they do best.

When Chad is not working, you may find him experiencing the great outdoors with his family, where he may be camping, hiking or riding through the mountains.

Technology is advancing at lightning speed, leaving many professionals wondering how to adapt and thrive.

In this episode, Andrew Evans is joined by his brother David Evans and producer RJ Malyk for a candid discussion on AI, resilience, and finding new ways to stay relevant in rapidly changing industries.

RJ shares how his background in radio shaped his approach to AI, why embracing change matters, and how financial services can draw lessons from other fields facing disruption.

Key takeaways:

• How RJ transitioned from radio to voiceover work and why AI pushed him to expand his skillset
• The mindset shift needed to embrace change instead of resisting it
• Parallels between AI’s disruption and past technological shifts like TurboTax and big-box retail
• The importance of human interaction and personalization in industries threatened by automation
• Why the 80/20 rule explains the balance between technology and human expertise across fields
• And more!

Previous Episodes of Interest:

• Lindsay Evans on Building Products People Actually Want (Ep. 2)
• Practical AI for Real-World Use with David Evans (Ep. 5)

Connect with Rossby Financial:

• (321) 209-0111
• Website: Rossby Financial
• Website: ROffice
• LinkedIn: Rossby Financial
• Instagram: @rossby_wealth

Connect with Andrew Evans:

• LinkedIn: Andrew Evans
• Email: aevans@rossbyfinancial.com

Connect with David Evans:

• LinkedIn: David Evans

Connect with RJ Malyk:

• LinkedIn: RJ Malyk

Business development is often about numbers, but at its core, it’s about relationships, transparency, and growth.

In this episode, Andrew Evans talks with Pamela Mule, VP of Business Development at J.W. Cole about her journey from compliance to leading recruiting and development. Pamela shares how she builds trust with advisors, the role of technology in shaping the future, and why saying “yes” can open doors to new opportunities.

Pamela discusses:

• The pitfalls of firms pushing advisors into proprietary boxes instead of prioritizing their needs
• How genuine relationship building creates long-term recruiting success
• The importance of adopting modern financial technology and AI tools to stay competitive
• Why transparency in offers and payout grids matters in advisor recruiting
• Advice for young professionals in business development: step outside your comfort zone and embrace new challenges
• And more!

Connect with Rossby Financial:

• (321) 209-0111
• Website: Rossby Financial
• Website: ROffice
• LinkedIn: Rossby Financial
• Instagram: @rossby_wealth

Connect with Andrew Evans:

• LinkedIn: Andrew Evans
• Email: aevans@rossbyfinancial.com

Connect with Pamela Mule:

• LinkedIn: Pamela Mule
• Website: J.W. Cole Financial

About our Guest:

As VP of Business Development and Recruiting at J.W. Cole Financial, Pamela Mule is passionate about helping independent financial advisors thrive. She focuses on building strong partnerships, identifying growth opportunities, and delivering tailored solutions that support advisors’ independence and long-term success. With a deep understanding of the broker-dealer landscape, Pamela works closely with financial professionals to connect them with the resources, culture, and flexibility they need to grow their businesses and serve their clients more effectively.

With over 15 years of experience in the financial services industry, Pamela has witnessed firsthand how the wrong environment can limit potential and how the right partner can unlock genuine growth. She is committed to partnering with advisors and their teams to explore what a future at J.W. Cole can look like, whether that means achieving true independence, developing a growth strategy, planning for succession, or leveraging innovative technology to modernize their practices. Her approach is consultative, strategic, and always centered on what’s best for the advisor and their clients.