We’re excited to introduce you to the always interesting and insightful Nhat Ngo. We hope you’ll enjoy our conversation with Nhat below.

Nhat, thanks for joining us, excited to have you contributing your stories and insights. Can you share an important lesson you learned in a prior job that’s helped you in your career afterwards?

My experience as a Licensed Clinical Social Worker has really opened my eyes to lessons that profoundly changed the trajectory of my life. Over the course of more than 12 years serving older adults, I witnessed firsthand the devastating effects of inadequate financial planning. I realized that many of those challenges could have been prevented with the right knowledge and preparation, which prompted me to reflect on my own financial situation and recognize the vital importance of financial literacy. Ultimately, this insight inspired me to transition into the financial industry, where I could not only strengthen my own financial future, but also empower others to do the same.

As always, we appreciate you sharing your insights and we’ve got a few more questions for you, but before we get to all of that can you take a minute to give our readers some of your background and what sets you apart from others?

I have a background in mental health and I haven’t stepped away from that work, but my primary focus today is continuing to grow my business as a licensed financial professional. This transition has been truly fulfilling because it allows me to take a preventative approach, helping people strengthen their financial foundation before challenges arise. I’ve seen how financial security can tremendously enhance overall well-being.

What sets me apart from traditional financial professionals is my background in mental health. I approach solutions with the understanding that money is emotional and that our financial habits often reflect our experiences, fears, and values. This perspective allows me to explore with clients on a deeper level and provide guidance that supports both their financial goals and emotional health. Since I didn’t come from a financial background myself, I make complex concepts simple and relatable, using clear language and practical examples instead of technical jargon.

Over the years, I’ve had the privilege of serving families through many stages of life. Some of my most meaningful experiences include:
• Helping a disabled divorcee grow and protect her savings so she could afford legal representation and regain financial independence.
• Supporting a devoted husband and father in setting up an income replacement plan just weeks before an unexpected medical diagnosis.
• Guiding a single woman toward feeling at ease about her retirement plan and overcoming her money anxiety after past experiences with fear-based financial advice.

These stories remind me that my work is about more than money. It’s about empowerment, security, and creating ripple effects that last for generations.

Learning and unlearning are both critical parts of growth – can you share a story of a time when you had to unlearn a lesson?

A lesson I’ve had to unlearn was the idea that serving others meant sacrificing myself financially. In graduate school, I was often told, “Don’t do it for the money,” and I internalized the belief that being underpaid was somehow noble. But you can’t pour from an empty cup.

For over a decade, I gave so much to my community while accepting very little in return. I never dared to dream of owning a home or traveling, and I didn’t realize how expensive retirement would be. Seeing friends in other careers live balanced, fulfilling lives was a wake-up call. I also recognized that many of my family’s stressors were rooted in financial strain and it was painful not being able to do more for them.

I had to unlearn the belief that wanting money was selfish. I’ve since learned that money, when managed with intention, provides freedom, time, and the ability to be even more generous.

Any advice for managing a team?

I’ve gained so many valuable skills and lessons from my mentors, and I feel privileged to now be in a position where I can develop and guide new team members. As a leader, I believe it’s essential to lead by example, empower others to grow, and build genuine relationships.
Entrepreneurship has its ups and downs, but I’m really grateful that in our office, no one ever has to do it alone. We make it a priority to maintain a positive, supportive environment, whether that’s through team bonding events, celebrating both big and small milestones, or showing up for one another during challenging times. Creating a culture of connection and encouragement has been key to keeping morale high and our team thriving.

Contact Info:

• Website: https://www.elevate-financialpartners.com/team/nhat-ngo
• Linkedin: https://www.linkedin.com/in/nhat-ngo-29a574355/