Coach Pete Welcome back into the Financial Safari, your weekly show aimed at educating you on all aspects of your money, your finance, and your financial decision making.

Folks, we have a very special guest on for this special Father's Day weekend edition of the Financial Safari. We have Sully Sullenberger, the captain that had the miracle in the Hudson, of course that landing. He's writing books, in fact a multiply published author now. Several books out, and we wanted to bring him on the show because he is really making a difference in people's lives. Welcome in, Captain Sully.

Sully Sullenberger Great to be with you, thank you.

Coach Pete Well Captain, I can honestly say the pleasure is all on this side of the microphone! Today. I wanted to spend a few minutes and visit with you about that miracle in the Hudson and about the books you've been writing. So, let's start by talking about flight 1549, I'm sure that is something you remember well?

Sully Sullenberger Yeah, January 15, 2009. That's one of those events that people remember where they were when they first heard about it.

Coach Pete I was telling the producer of the show, we'll never see an event like that again, I don't think. No one got hurt.

Sully Sullenberger Everybody survived, all 155 people. We were very grateful for that. A lot of people did their jobs exceptionally well that day.

Coach Pete You've become a pretty well-known author here . I wanted to talk about your - I mean the book that I like, "Making a Difference: Stories of Vision and Courage from America's Leaders." What inspired you to write that, and let's talk about some of the leaders you talk about in the book?

Sully Sullenberger Of course leadership is incredibly important, especially now. We're facing as a society so many large and complicated problems that it may take generations to solve. These are things I've been thinking about my whole life. Of course, in the last three years - these mind-bending three years that we've had to travel the world and meet world

leaders from all walks of life, I began to hear these incredible, sometimes funny, but always inspiring stories that I just had to put on the page and I had to share. Coach Pete What were some of the best ones that you found in the process of writing the book? Sully Sullenberger The very first one we profile is Admiral Thad Allen, a former Coast Guard Commandant who was brought in, in the darkest hours of the response to Hurricane Katrina to fix it. Just through the power of his personal leadership and courage, he was able to turn it around with incredible skill and quickness. He did the same thing with the Deepwater Horizon oil spill in the gulf, and with the 2010 response to the earthquake in Haiti. Another one is Jack Bogle, the founder and retired CEO of the Vanguard Group, a mutual fund pioneer, an absolute maven in terms of the financial world. Another is Jim Sinegal, the co-founder and recently retired CEO of Costco. He was someone who's done well while doing good. He's found a way in a very difficult business, retail, to reward his shareholders, to provide great value for his customers, and still make it a great place to work. Coach Pete I fought Costco for a while, but I went in there a few months ago and it really does have some great savings for the customers. I was amazed. Sully Sullenberger If you look at the name badges of the employees that work in Costco, they have the year that they started. It's often 20 or 25 years ago. That gives you a great indication of - if it weren't a great place to work, they wouldn't have stayed that long. Interestingly, one of the bellwether measures that Jim Sinegal used to see how he was doing at Costco was that the price of the Costco hotdog has been $1.50 since 1985. That's 27 years now, and I can't think of anything else that's been the same price for 27 years. Coach Pete Right, that's good savings. Coach Pete At Costco they seem to have a system. They seem to have systemized how they have a process to getting the product to the stores, getting the product in the consumer's hand, and getting that savings. I think having a system is very important to many things in life: training a pet, educating a child, and really making a difference. How much of the system, the training, the preparation, and the exit planning, Captain Sully, accounted for all of your passengers to be able to survive that miracle on the Hudson.

Sully Sullenberger It certainly was all that and more. It was a culture in which we operated. Again, it takes great leadership to have an effective, and collaborative, and a safe, and high quality culture. These people that I profiled, and they're from all walks of life, a very diverse group. Some particularly well known, but whose stories have not been completely told, and some not at all. All of them viewed the world in the same way, as an opportunity for good. As one of them says, Gene Kranz, the legendary NASA flight director, who with his team helped bring Apollo 13 safely back from around the moon. He says, "Leaders have to be able to check their ego at the door. They have to do things for the right reason, for the greater good of the group, and not just for their own personal needs."

Coach Pete Absolutely, your goal as a pilot was to get – 100% of the time, get the people who got on the plane, let them get off the plane safely, correct?

Sully Sullenberger Absolutely, and that required great vigilance on every flight. Out of a 42 year flying career, 20,000 hours in the air where we work very hard to make it routine and never be surprised by anything, I never knew when or even if on one day I might face some ultimate challenge. I had to be ready for whatever might happen, and be able to solve the problem the first time, even if it was something like this that we'd never specifically trained for.

Coach Pete You had your flight plan to begin with, but you also had to have some contingencies in place if things didn't go as planned.

Sully Sullenberger Absolutely, that was one of the challenges of being an airplane pilot when things go so well 99.9% of the time, but being vigilant enough and avoiding complacency, so if something bad did happen, you could handle it really well. It absolutely required great commitment, great leadership to do that consistently on every flight on every day for years.

Coach Pete I say that because there are some amazing parallels between being an aircraft pilot and also being a financial planner because things don't go as planned a lot of times in the financial world. As a matter of fact, there are some Wall Street firms that say that people only have a 92% chance of not outliving their money when they retire. In other words, they have an 8% chance of not having money through retirement. We often joke that if you were getting ready to take off and you came through the intercom and told

folks that you had a 92% chance of landing safely, I think everyone would pull the slide and jump out before you could take off. Sully Sullenberger Yeah, that wouldn't be good enough for me. What we've done in aviation is we went from - in the decade from 1967 to 1976 your chances of dying in a major jet airline accident in the U.S. were about one in two million. Today, they're about one in 20 million. We've kept on getting it stronger, and better, and safer all along the way. We kept innovating, like we did on that flight that day. By the way, my favorite definition of innovation is to change before you're forced to, either by regulation, by competition, or by circumstance. The more and greater you are able to change, the more of a competitive advantage it becomes, and the more you're able to turn adversity into an opportunity. Coach Pete I've talked with several motorcycle riders, Captain Sully, who said that there are really two types of riders, those that have crashed and those that will. Lucky that it's not that same way in the air because you are prepared. It's always better to be prepared than to be surprised. Regularly checking up on your progress, and doing those maintenance inspections, and seeing how you have been doing, and making sure that you are staying ahead of that curve. That's vitally important, isn't it? Sully Sullenberger Absolutely, and in fact one of the takeaways of the book - there are lots of leadership books written for, by CEO's, or for salespeople, but my book is written for everyone. Whether you have a big job or not, a fancy title or not, these are techniques that from these very personal stories, these dozen people we interview, that everyone can learn. Each of us can learn to be more fulfilled at work, more effective at work, at school or at home, and even if you don't have a title, you can be a leader. Many people are, and so there are a lot of people right now in every walk of life who are doing these things, who are being leaders may not think of themselves that way. By the way they act, and the way they treat others, they are. Coach Pete We are talking again, friends, with Captain Sully, of course that pilot for that miracle on the Hudson where all of his passengers did survive his emergency crash landing into the Hudson River several years ago. He's also authored some great books, making the difference and highest duty. By the way Captain, I know you went to the Air Force Academy to begin with, correct?

Sully Sullenberger I did, and then graduate school at Purdue, and then University of Northern Colorado.

Coach Pete Yeah, so I mean it takes a lot of skill to do what you've done. Retirement was just around the corner when this accident happened. What would Sully have been doing if this accident didn't happen?

Sully Sullenberger I was going to keep on working for a long time. I'm a life-long learner, and I had become an expert in these things over my whole career. I had done more than just fly. I had become an expert in managing risk, and in leading in difficult situations. In fact, that was one of the classes I helped develop at the airline and taught to many of our colleagues. I was going to fly as long as I could, probably till at least age 65. In the airline industry, we had a lot of difficult challenges, airline bankruptcy's, loss of pensions, huge pay cuts. I was setting myself up for my next career even well before this.

Coach Pete Sully, a drill I like to do with everyone I talk to is ask them if they can get into a time machine and go 10 years into the future, where do they see themselves?

Sully Sullenberger I see myself doing more of what I'm doing now, as a speaker, as an author, as a consultant to industry, as a CBS News aviation and safety expert doing on-air commentary about important issues that people care about. I'd like to do more of that. I want to continue to make a difference. In fact, my personal goal is that even though we - my crew and I and all the first responders were able to save the lives of all 155passengers and crew three years ago. If I am diligent and work very hard, if I'mparticularly adept, and if I'm fortunate, it may be that my greatest contributions lie ahead- whether it's in quality control and process control or safety for industry, or whether it'sapplying what we've learned in aviation to medicine and improving patient safety, whichI'm working on with many others right now. I hope that we can continue to makeimportant contributions and make a difference.

Coach Pete I saw a great article on you almost right after it happened in People Magazine. I don't know if you remember that article or not.

Sully Sullenberger I do, I remember it well. There was a cover photograph of us. That was February 2009, so just a month after our emergency landing in the Hudson.

Coach Pete The writer actually went to my high school, she was one year under me, Nicole Weisensee. Just wanted to put a plug. Sully Sullenberger Oh yes, I remember her well. That was a well-done piece. Coach Pete I had a crush on her in high school. Sully Sullenberger Now it's out there, it's on the internet, she'll find out. Coach Pete Speaking of which, Captain Sully, you talk a lot about making the most out of relationships. What do people need to be doing and thinking about when they are forming and building relationships to really help make the most out of each relationship that they have here in life? Sully Sullenberger I think that they need to do what many of us do, and what I tried to do every week when I would come to work as an airline captain. What people don't understand or appreciate about what it's like to work for a large airline is that we fly with people all the time that we've never met before. At the beginning of a week of flying, one of the responsibilities of a captain after the introductions are made is to quickly take this collection of individuals and form an effective team to align goals, to set the proper tone, to open channels of communication, to create a shared sense of responsibility for the outcome among all of us. If something bad, or some challenge were to happen on the very first flight, we can as effectively deal with it as we would normally develop over weeks or days of working together. It's that kind of vision, a kind of personal connection, a kind of creating an environment in which we all do our best work. That's so important no matter what we do. Leadership is really the key, and then making a personal connection, even with large numbers of people, is what the best leaders are able to do. Coach Pete A group of strangers form a team as they all ride together in an aluminum canister in the sky. We're talking with Captain Chesley Sullenberger, and Sully, Captain Sully we certainly appreciate the time. Thank you so much for all you've done, and we appreciate the great information that you've shared with us in your books.

Sully Sullenberger Thank you, it's called, "Making a Difference: Stories of Vision and Courage from America's Leaders." Available for Father's Day.

Coach Pete All the best, Captain Sully.

Sully Sullenberger Thanks, great being with you and your audience Coach Pete!

Chesley “Sully” Sullenberger Chesley B. “Sully” Sullenberger, III has been dedicated to the pursuit of safety for his entire adult life.

While he is best known for serving as Captain during what

has been called the “Miracle on the Hudson,” Sullenberger is an aviation safety expert and accident investigator, serves as the CBS News Aviation and Safety Expert, and is the founder and chief executive officer of Safety Reliability Methods, Inc., a company dedicated to management, safety, performance and reliability consulting.

Peter J. D’ArrudaPeter J. D'Arruda is President of the IARFC (International Association of Registered Financial Consultants), and has been in the financial arena for nearly 25 years. He is the founder at a

financial firm designed to help his clients "Cross the street of life." At Capital Financial Advisory Group, LLC he and his team strive to help their clients take the worry out of living in retirement. Known as "COACH PETE" to most of his clients, Pete has made it his lifetime goal to assist his clients in achieving the levels of success they desire. He has authored 6 books and co-authored 2. Two of his books have reached the best-sellers list on Amazon. The most noteworthy book, Successonomics, is one that Coach Pete co-authored with Steve Forbes. But, by far, his favorite book just happens to be his most recent, "7 Baby Steps to a ridiculously Reliable Retirement Income" Each week he hosts the wildly popular, nationally syndicated, Financial Safari radio show, heard by millions each year. You can listen to past shows on iTunes and by visiting FinancialSafari.com He has just been named to the prestigious Forbes Leadership Council and will be submitting at least 6 articles a year to Forbes for their readers' print and web enjoyment. He graduated from The University of North Carolina in 1988. Coach Pete is WINNER OF:2 EMMYS2 Quillys (best-selling author award)3 EXPYS

He is a proud father of daughter, Caroline, age 11 with his wife, Kim.