Episode Details

In this episode of The Blueprint | FPA NexGen® Podcast, hosts Mike Zarrelli, CFP, EA and Deshawn Peterson, CFP sit down with Matt Goren, PhD, CFP®, Chief Strategy Officer at Danko Education and a leading voice in CFP® exam education. Matt shares how his background in social psychology and financial education has reshaped how future advisors should prepare for the CFP® exam — and why traditional, lecture-heavy study methods are failing today’s younger candidates. With the average age of CFP® candidates dropping rapidly, the way advisors learn, retain information, and manage test anxiety must evolve. This conversation goes far beyond exam tactics. Matt breaks down how to study smarter (not longer), why “mastering 80%” beats chasing perfection, and how early-career planners can navigate burnout, anxiety, and identity shifts while building long-term careers in financial planning. What You’ll Learn Why engagement is the prerequisite to learning How to study for the CFP® exam without burnout The “80% rule” that leads to higher pass rates How to manage test anxiety using psychology-backed techniques Why CFP® exam success doesn’t automatically equal real-world readiness How early-career advisors can thrive in a rapidly changing industry Episode Chapters 00:00 – Why engagement comes before learning 05:10 – Matt’s journey into financial education 12:45 – The changing CFP® candidate 19:30 – How teaching methods must change 27:40 – Pass the exam vs. learn everything 36:00 – Test anxiety & psychology-based strategies 47:20 – Ethics: the most underestimated CFP® topic 56:30 – Work-life balance during exam season 1:05:15 – CFP® knowledge vs. real-world advising 1:15:40 – The future of financial planning & AI 1:24:10 – Career adversity and long-term success