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
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