Frank Ross, Vice President and Wealth Advisor at Pentangle Wealth, joins Life of Flow Podcast to share a candid look at how he helps clients replace their income in retirement, avoid common investing mistakes, and build financial plans that work. From starting out as a 22-year-old financial advisor to advising major firms like JPMorgan and Oppenheimer Funds, Frank breaks down how much money is really “enough,” why timing the market is a losing game, and the mindset shifts that keep portfolios on track when emotions run high. He also explains the difference between working with an independent advisor and a large institution, the true cost of fees, and why it’s never too early to start. This episode is essential for anyone who wants to understand how to build lasting wealth, avoid investing mistakes, and create a solid retirement plan. 🎧 Listen now and take control of your financial future! 00:00 Intro 05:34 Opening a first mutual fund at 18 06:47 Starting as a 22-year-old financial advisor 09:16 How much money is really “enough”? 16:44 High-earning physician scenario: replacing income 18:18 The retirement “number” (8–9M) for late-50s/early-60s to 85 19:06 How Monte Carlo simulations set targets 24:08 Recency bias and emotional mistakes 31:53 First steps: emergency fund, then invest 💡 Who Should Listen This episode is for high-income professionals, business owners, and anyone serious about growing and protecting their wealth. It’s especially valuable for those who want a clear, practical approach to retirement planning and investing without falling into the traps that derail most portfolios. About Frank Ross Frank Ross is the Vice President/Wealth Advisor for Pentangle Wealth, based in Lake Jackson, Texas, with clients all across the US. Frank is in charge of building financial plans and portfolio construction for the firm. Their goal in the practice is to provide every client with a personalized financial plan that gives each client the highest probability of achieving all of their financial goals. Frank has been in the financial industry since 1998, and prior to Pentangle Wealth, he was a Vice President of JPMorgan and Oppenheimer Funds. Connect with Frank 🌐 Website: Pentanglewealth.com 👍 Facebook: Pentagle Wealth 💼 LinkedIn: Frank Ross Follow Life of Flow 📲 Instagram: @LifeofFlowPodcast 👍 Facebook: Life of Flow Podcast 💼 LinkedIn: Life of Flow Podcast 🐦 X: @VascularPodcast If this one made you rethink how you’re building and protecting your money, send it to someone who’s serious about securing their future, too. And if you’re getting value from these conversations, a quick review helps us keep them going!

After more than a decade in medtech, working alongside surgeons, hospital teams, and device reps, Eric Plumb saw the same problem everywhere. Now, as the Founder and CEO of PROXDIS, he built the tech that could finally fix it. In this episode, Eric joins us to talk about why the OR still runs on chaos, what he learned managing over 180 hospital accounts at Medtronic, and how PROXDIS’s scheduling and coordination platform, UNITE, is helping hospitals and reps work like it’s 2025, not 2005. From the early idea to finding a CTO and building product without a tech background, Eric walks through the real-life startup journey of solving a healthcare problem no one else would touch. 00:00 Intro 04:16 Eric’s background and where PROXDIS began 06:03 The problem no one was solving 12:51 Why the OR still runs on chaos 16:13 Why reps are still the missing link 20:43 Building UNITE and hospital buy-in 29:34 Why hospitals trusted the platform 33:29 Why PROXDIS works 38:23 PROXDIS growth strategy 43:40 The importance of building trust first 49:00 Final reflections 💡 Who Should Listen Healthcare founders, medical device reps, hospital operations leads, and anyone working in procedural care who’s felt the inefficiencies firsthand. About Eric Plumb Eric Plumb is the Founder and CEO of PROXDIS, a healthcare technology company focused on improving how hospitals work with the medical device industry. After more than a decade in MedTech, including roles in both clinical sales and operational strategy, Eric saw firsthand how broken the communication process is inside procedural care. That experience led him to build PROXDIS and its flagship platform, UNITE, to bring structure, accountability, and modern tools to a part of healthcare that has long been left behind. Before founding PROXDIS, Eric managed over 180 hospital relationships across the Southeast as a Customer Account Manager at Medtronic, where he worked directly with hospitals on clinical education, inventory compliance, pricing strategy, product distribution, and risk mitigation. His role sat at the intersection of hospitals and industry, providing a practical view into the challenges and disconnects between the two. Earlier in his career, Eric supported a range of procedural specialties as a medical device representative, including peripheral vascular, embolization, and coronary interventional procedures. He brings a grounded, real-world perspective to healthcare technology, shaped by years of collaboration with physicians, hospital operational teams, and medical device companies. Eric holds an MBA from Lynn University. Connect with Eric 🌐 Website: proxdis.com 🔗 LinkedIn: Eric Plumb Follow Life of Flow 📲 Instagram: @LifeofFlowPodcast 👍 Facebook: Life of Flow Podcast 💼 LinkedIn: Life of Flow Podcast 🐦 X: @VascularPodcast If this one gave you a clearer picture of what’s still broken behind the scenes, and what it really takes to build the fix, send it to someone who’s seen the same mess firsthand. And if you’re getting value from these conversations, a quick review helps us keep them coming!