JF

John Frank

Founder and CEO at Third Road Management
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John is the Founder & CEO of Third Road Management and is responsible for the firm’s overall directional leadership in addition to serving as a Fractional CFO for multiple Third Road Management clients.

  • 2025 Financial Priorities: Balancing Debt, Savings, and Spending
    John advises that if debt payments outpace earnings, consumers should prioritize debt repayment. He suggests the 10-10-80 system: live on 80% of income, save/invest 10%, and allocate 10% to charity. John warns, “Don’t bite off more than you can chew,” emphasizing the importance of financial balance in 2025.
  • Maximize Tax Benefits with New 401(k) Contribution Limits
    John advises contributing as much as possible to maximize tax benefits, while ensuring sufficient cash flow for current needs. He warns against liquidity issues when increasing contributions. "The more that is saved now, the longer that money has the opportunity to grow," John notes, highlighting potential early retirement and enhanced financial security.
  • Accounting Talent Shortage: Education Requirements and Tech Solutions
    John highlights the 150-hour CPA requirement as a key factor in the talent crisis, suggesting its rollback. He notes the shift towards data analytics and technology, recommending dual majors. While AI can handle tasks, John emphasizes, "subject matter experts are going to be required," highlighting opportunities for new entrants.
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