How to Live a Longer and Richer Life With Tom Hine

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[166] – Wouldn’t it be nice to live a longer, more fulfilling life?

In this episode, Jeremy Keil speaks with Tom Hine, CFP®, CFS®, MBA about his balanced wealth approach to living a longer and richer life. Tom’s unique approach to retirement planning goes beyond financial considerations to include health, spirituality, and mental well-being. He emphasizes the importance of being proactive about one’s health and wellness, and being the CEO of your own health.

Tom discusses:

  • The connection between spirituality, physical health, mental well-being, and wealth in retirement
  • Assessing satisfaction and progress in different areas of life with the balanced wealth scorecard
  • Why you should be the CEO of your health
  • Why proactive health management is important in retirement planning and how a total health assessment can help
  • And more

How to Live a Longer and Richer Life

How can I become the CEO of my health and wellness?

Becoming the CEO of your health and wellness involves adopting a proactive and mindful approach to your overall well-being.

In the context of health, it means taking charge of your own health journey and being aware of key metrics that can impact your well-being.

Much like managing finances, being the CEO of your health entails regular check-ins and tracking progress. Utilizing tools like wearables, such as the Oura ring, allows you to monitor your sleep patterns, heart rate variability, and other metrics, offering valuable insights into your daily habits.

By taking a proactive stance and staying informed about your health metrics, you empower yourself to make informed decisions and optimize your health and wellness journey. This proactive and holistic approach aligns with the philosophy of balanced wealth, recognizing the interconnected nature of physical and financial well-being.

What role does spirituality play in living a longer, richer life?

Tom Hine dedicated a chapter of The Balanced Wealth Approach to his mother because of the lessons from a spiritual tradition she passed onto him and the rest of the family – the prayer of St. Anthony. The prayer serves as a reminder that seeking guidance, whether from family, faith, or beyond, can be a source of strength and resilience.

Regardless of religion, having spiritual beliefs has been correlated with longer life spans.

The exploration of spirituality, as witnessed in familial traditions and supported by global studies, underscores its significance in the pursuit of a holistic and enduring life.

How do financial, physical, and mental health intersect in the pursuit of a fulfilling life?

The intersection of financial, physical, and mental health is a complex yet integral aspect of leading a fulfilling life.

The connection between these elements is not linear. Financial health doesn’t guarantee physical or mental well-being, and vice versa. Recognizing the multifaceted nature of a well-rounded life, beyond monetary success, is crucial.

The aftermath of events like the COVID-19 pandemic has underscored the importance of mental health, urging us to navigate the challenges of life with resilience. It’s also important to maintain our cognitive health and seek early intervention for conditions like dementia.

A holistic approach, encompassing physical, mental, and financial well-being, is key to a fulfilling and enduring existence.

How can tracking health metrics with wearables lead to a more balanced and informed life?

Tracking health metrics with wearables, like an Apple Watch, Oura ring, or a Fitbit, offers a valuable tool for cultivating a more balanced and informed life.

Wearables provide a means to gauge physical health through data on sleep patterns, heart rate variability, and more. With them, you can take a look at your daily habits, allowing for a more mindful approach to health and wellness.

The Oura ring, for instance, measures various categories, including readiness, resting heart rate, and sleep quality. Such tools empower individuals to make informed lifestyle choices, such as adjusting caffeine intake or optimizing meal times for better sleep.

This integration of health metrics aligns with the broader philosophy of balanced wealth, recognizing that physical well-being is a vital component of a fulfilling and longer life.

How can a total health assessment help me live longer?

A total health assessment can be a valuable tool in promoting a longer and healthier life. By undergoing comprehensive assessments, you can gain a deeper understanding of your current health status, identify potential risks, and take proactive measures to optimize your well-being.

These assessments may include advanced blood work, full-body MRI scans, and genomic sequencing, providing a holistic view of your internal health and genetic predispositions.

The information from a total health assessment empowers people to make informed decisions about their lifestyle, nutrition, and overall health management. For example, understanding genetic factors related to caffeine metabolism can influence daily habits and improve sleep quality. Moreover, these assessments can detect early signs of health issues, such as arteriosclerosis, even in younger individuals, allowing for timely intervention and prevention.

While cost considerations are crucial, investing in a reputable total health assessment can be a beneficial decision for those with the means to do so. It offers an opportunity to establish a baseline, track changes over time, and implement personalized strategies for maintaining or enhancing health. Ultimately, a proactive approach to health, informed by thorough assessments, can contribute to a longer, healthier, and more fulfilling life.


To learn more about living a longer and richer life, check out the resources below!

If you have any questions, feel free to contact us or our guest, Tom Hine, using the contact information provided below!


Connect With Tom Hine:

Connect With Jeremy Keil:

About Our Guest:

Tom Hine is the founder of Capital Wealth Management in Connecticut with over thirty years of experience in the financial services industry. He is a Chairman-level advisor (top 4 percent) at Commonwealth Financial Network, the country’s largest privately held broker/dealer, which has approximately $273 billion in assets under management. Tom is the author of two previous books, NASD Arbitration Solution: Five Black Belt Principles to Protect and Grow Your Financial Services Practice and The Zen of Business Acquisitions. He also hosts SuccessionFit Podcast, a podcast that explores the world of succession and continuity planning through the lens of health, wellness, and Eastern philosophy. Tom is a fourth-degree black belt in Shotokan Karate. He has been practicing his craft for more than thirty-five years and studied primarily under the renowned Sensei Masataka Mori; he also attended many summer camps taught or led by Sensei Hidetaka Nishiyama and Sensei Keinosuke Enoeda.



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