Motiv8 Advisors

10/08/2026

Fidelity just told nearly 1,000 small RIAs... grow to $100 million or get out.

Everyone is tiptoeing around what that means. I won't.

This is not a Fidelity story. It's a consolidation story.

Four firms control about 84% of custodial relationships. Private equity is buying up the IMOs and FMOs that used to be independent. And nearly 80% of RIAs have only one custodian.

So ask yourself the hard question. If one company can move the goalposts and put your firm on a deadline, how independent are you?

A lot of advisors are about to find out they were building someone else's business.

Before you jump to the next big name or take the next big check, have the man in the mirror conversation. Why did you go independent in the first place? Does your next partner share your philosophy, or are you about to become advisor number 18,164?

I broke it all down in a new episode. The link is in the comments.

Where do you stand? Is consolidation good for this industry or not?

10/07/2026

10/06/2026

You went independent for a reason.
To build something that was yours. Your business. Your team. Your way of taking care of clients and their families.
No more corporate rules. No more someone else deciding what's best for your clients.
Then, slowly, things started changing.
A partner raised the bar. A platform picked your custodian. Then your tech. Then your models. The agreement you signed for "support" started deciding how you run your business.
Nobody announced it. It just happened, one small change at a time.
And now a lot of advisors who call themselves independent are playing by someone else's rules again.
That's not what you signed up for.
If someone else can change the rules on you once, they can do it again. And again.
So I'll ask the question most people won't.
Are you still independent... or did you just trade one boss for another?
I want to hear from you. Comment below or send me a DM.

10/04/2026

Family and friends first! there has been a ton of travel lately, but this brings me back to what really matters.

10/03/2026

Back in Texas and right back in the zone!

Always incredible connecting with top talent like Hollie. Surrounding yourself with high-caliber, growth-minded advisors is what keeps this industry moving forward.

When elite advisors get together, the conversation is always centered on one thing: raising the bar, expanding our skill sets, and delivering next-level value. Growth isn't something that happens by accident—it takes intentional collaboration, continuous learning, and staying connected with the best in the business.

Attention Advisors:
If you’re ready to sharpen your edge, collaborate with top producers, and build a practice that scales without limits, let’s talk.

Send me a DM or drop a comment below—let's elevate together.

10/03/2026

Never stop learning, and never stop growing.

To serve clients at the highest level, you have to stay ahead of the curve. Great catching up with Patrick Kelly, author of Tax-Free Retirement. His work on protecting retirement assets from unnecessary taxes has been a game-changer for so many families.

Continuous learning isn't just a personal goal—it’s a responsibility to our clients and to our team. Sharpening our skills, staying updated on smart tax strategies, and pushing for growth ensures our entire advising team is always equipped to deliver the best possible guidance.

Growth isn't optional if you want to deliver excellence. Onward and upward! 🚀📈

Whether you're a family looking to protect your retirement from rising taxes, or an advisor looking to sharpen your skills and better serve your clients—growth starts here.

📩 Drop a comment below or send me a DM to start the conversation!

10/01/2026

18 years ago today I started The Terrio Group.
I didn't know what I was building. I just knew I wanted to help people retire with dignity.
18 years later ... three companies, hundreds of clients, and a team I'm proud of.
Most practices don't make it 5 years. We just hit 18.
To every client who trusted us with their retirement, thank you. We don't take that lightly.
The best is still ahead.
— Mike

09/27/2026

Some seasons, the only person who believes in you is you.

That's not a reason to quit. That's the whole test.

There are already plenty of people betting against you. Don't become one of them.

Your belief is the foundation. When it's the only vote you've got, it still counts.

Follow for more.

09/22/2026

Nobody's coming to motivate you.
Not a podcast. Not Monday. Not the "ready" version of you.
Motivation doesn't come before the work. It shows up after you start. Wait for the feeling and you'll wait forever.
Stop waiting to feel ready. Just go.