Real People. Real Money. Real Talk.
First Wednesday Monthly at 7 p.m. on 760 WJR

“No Lazy Money” is a monthly financial podcast from 760 WJR and Peak Wealth Management that’s designed to help you make your money work as hard as you do. With real talk, practical strategies, and a focus on education, the show tackles everything from smart investing and tax planning to retirement readiness and financial habits that build confidence. Whether you’re just starting out or approaching the “retirement red zone,” “No Lazy Money” gives you the tools and insights to stop letting your money sit idle and start putting it to work for your future.

ABOUT PEAK WEALTH MANAGEMENT:

Peak Wealth Management helps individuals and families turn financial uncertainty into confidence by delivering personalized, comprehensive planning that goes far beyond investments. Based in Plymouth, Michigan, their team of Certified Financial Planners takes the time to understand your goals—whether it’s retiring comfortably, optimizing Social Security, or creating a lasting legacy—and crafts strategies tailored to your life. With a boutique approach and a commitment to education, Peak Wealth empowers you to make informed decisions so you can enjoy the freedom and peace of mind that come from knowing your future is secure. Learn more, and get started planning your financial future, by visiting PeakWM.com.

HOSTS:

RYAN ERMANNI

Ryan Ermanni is a Detroit media personality and the host of 760 WJR’s “‘JR Afternoon with Ryan Ermanni.” With a career built on engaging storytelling and lively conversation, Ryan has become a trusted voice for audiences across Michigan. He brings energy, curiosity, and a knack for making complex topics relatable, whether he’s talking sports, culture, or everyday life. Ryan’s approachable style and ability to connect with people have earned him a loyal audience and a reputation for authenticity. Away from the microphone, he enjoys spending time with family and staying active in the Detroit community.

NICK HOPWOOD

Nick Hopwood is the managing partner and founder of Peak Wealth Management in Plymouth, Michigan. He has been in the investment advisory business since 1999 and launched Peak Wealth to provide clients with personalized strategies for retirement and wealth management. Nick earned his degree in economics from the University of Michigan and holds FINRA Series 7, 24, and 63 registrations along with his CFP® certification. His mission is to help clients “Retire with Confidence” through education, planning, and disciplined investment strategies.

Nick is deeply involved in his community, serving on the board of New Hope Center for Grief Support and volunteering with local organizations in Northville and Ann Arbor. He has been recognized as a Five Star Wealth Manager in Hour Detroit Magazine and frequently shares insights through podcasts and financial education events. Nick lives in Ann Arbor with his wife, Jennifer, and their two sons, Hunter and Jack. Outside of work, he enjoys family time, community service, and supporting local initiatives.

JIM PILAT

Jim Pilat is a financial planner and partner at Peak Wealth Management in Plymouth, Michigan. He earned his Certified Financial Planner designation in 2022 and brings over a decade of experience in financial services. Jim specializes in retirement planning, investment strategies, and helping families build lasting financial security. His passion for planning was shaped by personal experiences, inspiring him to guide clients with care and clarity.

Before joining Peak Wealth, Jim worked with AXA Advisors and LPL Financial. He is active in his community and serves on the board of New Hope Center for Grief Support. Jim lives in Novi with his wife, Emily, and their three children. Outside of work, he enjoys coaching youth sports and volunteering at his local church.