Pri Cosentino discusses moving from accumulation to distribution phases in planning for retirement
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-pri-cosentino-senior-e-a-s-e-advisor-with-xexis-private-wealth/
In this episode of Influential Entrepreneurs, Mike Saunders welcomes Pri Cosentino, a Senior E.A.S.E Advisor with Xexis Private Wealth. Pri shares her personal journey of transformation, highlighting the challenges she faced in her 20s when she felt the pressure to achieve financial success quickly. With limited experience and knowledge, she navigated her early career and encountered financial hurdles, including receiving a $50,000 lump sum intended for retirement. Pri reflects on the importance of patience and the gradual process of building wealth, emphasizing her passion for helping clients overcome their struggles and achieve their financial goals.
In the realm of financial planning, grasping the emotional aspects of financial decisions is essential. As Pri highlights in the podcast episode, emotions often drive the rationalizations behind our financial choices. This interplay between emotion and rationality can significantly influence how individuals approach their finances and make decisions regarding their future.
Pri emphasizes that while many people believe they make financial decisions based on rational thought, neuroscience suggests otherwise. Emotional responses frequently underpin our rational explanations. For instance, when someone feels they deserve a luxury item or a vacation, they may justify the expense with rational reasons, such as needing a cultural experience for personal or professional growth. However, the underlying emotion—such as a desire for fulfillment or reward—plays a pivotal role in that decision.
This emotional influence can lead to behaviors that may not align with long-term financial goals. For example, a person might prioritize immediate gratification, such as frequent dining out or extravagant trips, over saving for retirement. This misalignment can create stress and confusion, especially when individuals realize that their current spending habits may jeopardize their future financial security.
Pri also discusses the concept of limiting beliefs, which are often rooted in emotional experiences and societal conditioning. Common limiting beliefs about money include notions like “money doesn’t grow on trees” or “you have to work hard to earn money.” These beliefs can create mental barriers that prevent individuals from making sound financial decisions or exploring opportunities for growth.
To help clients reveal their limiting beliefs, Pri suggests engaging in open conversations that explore their feelings about money and financial decisions. By asking questions about their experiences and reactions to various financial scenarios, advisors can uncover the emotional drivers behind their clients’ beliefs. This understanding is essential for creating a financial plan that aligns with their true values and aspirations.
Pri stresses the importance of balance in financial planning. While it is essential to enjoy life and fulfill emotional needs, it is equally important to ensure that these desires do not compromise long-term financial goals. For instance, if a client wishes to travel extensively, a financial advisor can help them strategize a plan that allows for a reasonable number of trips while still prioritizing savings for retirement.
By addressing both the emotional and rational aspects of financial decisions, advisors can empower clients to make informed choices that reflect their values and goals. This holistic approach not only alleviates feelings of overwhelm but also fosters a sense of control and clarity in their financial journey.
In conclusion, understanding the emotional aspects of financial decisions is vital for effective financial planning. Emotions drive the rationalizations behind our choices, and recognizing this interplay can lead to more informed and balanced decision-making. By addressing limiting beliefs and fostering open communication, financial advisors can guide clients toward a more fulfilling and secure financial future.
Pri shared: “I guide my clients to not only grow and protect their money, but to do it in alignment with who they truly are—helping them build wealth. It’s about creating a financial life rooted in education, integrity, clarity, and purpose, so they can live with freedom, security, and fulfillment.”
About Pri Cosentino
Priscila “Pri” Cosentino is an accomplished Senior E.A.S.E. Advisor and Wealth Mentor, renowned for her ability to integrate financial expertise with transformative personal development methodologies. With over a decade of experience across industries in Brazil and the United States—ranging from advertising and events to retail and financial services—Pri brings a wealth of knowledge and a strategic advisory mindset to every client engagement.
Mentored for over decades by some of the best in the world, Pri has refined her expertise in financial planning, wealth mindset, and strategic growth. Her approach goes beyond traditional financial advisory by integrating emotional intelligence, addressing the cognitive, emotional, physical, and spiritual dimensions of a client’s life.
As a Senior E.A.S.E. Advisor specializing in Wealth Mentoring, Pri leverages the E.A.S.E. Methodology
(Educate, Analyze, Strategize, and Enjoy) to deliver customized, results-driven strategies. Through her advisory work, she identifies and addresses the root causes of financial behaviors, empowering clients to cultivate a wealth-conscious mindset and take ownership of their financial journeys. The methodology focuses on: Strategic Wealth Alignment, Transformational Mindset Shifts, Goal-Driven Execution, and Integral Systemic Coaching. Pri’s expertise empowers her clients not only to achieve financial freedom but also to develop emotional intelligence, strengthen their leadership capacity, and foster lasting personal fulfillment.
With an MBA in Neuroscience and Human Behavior from UniF and a degree from the University of Central Florida (UCF), Pri combines her financial acumen with deep knowledge of emotional intelligence (EI) and behavioral finance. Through her advisory work, she seamlessly integrates these insights to help clients make informed decisions that align with both their financial goals and their emotional well-being. By applying evidence-based coaching techniques, Pri guides her clients toward profound transformations, helping them cultivate resilience, purpose, and self-accountability.
Pri’s commitment to advisory excellence and mentoring leadership is deeply influenced by her decade-long mentorship with Dan Brooks at Xexis Private Wealth, an independent financial services firm specializing in creating and maintaining customized retirement strategies for clients. Dan’s mentorship has instilled in Pri the highest standards of integrity, ethics, and professionalism, enabling her to develop tailored strategies that help secure her clients’ financial futures while fostering their emotional and personal growth. Xexis Private Wealth’s comprehensive approach includes: Retirement Income Strategies, Wealth Management, and Tax and Estate Planning.
By blending Xexis Private Wealth’s strategies with her expertise in Coaching, Pri delivers a unique value proposition that empowers clients to help achieve not only financial freedom but also emotional balance and personal fulfillment. Pri’s work is grounded in a deep commitment to integrity, ethics, and authenticity, principles that guide her approach to advisory and mentoring. Her ongoing pursuit of knowledge helps ensures that she remains at the forefront of financial advisory and personal development, consistently offering her clients solutions.
Fluent in English, Portuguese, German, and Spanish, Pri connects effortlessly with a global clientele, offering personalized experiences that resonate with her clients’ unique aspirations. Beyond her professional achievements, Pri is a lifelong learner and advocate for holistic well-being. She finds inspiration in her travels, meaningful conversations about business, art, and faith, and cherishes her role as the proud dog mom to Tish, Weiße, Pkna, and Traya.
Learn more: http://pricosentino.com/ and http://xexiswealth.com/
DISCLAIMER: We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Xexis Private Wealth, LLC. are independent of each other. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Content is provided for informational purposes only and is not a solicitation to buy or sell any products mentioned.
