Owen Edwards, recently appeared on KZTV10’s Coastal Living to discuss a critical concept known as the “Retirement Red Zone.” During the segment, Edwards outlined what individuals should consider in the crucial years leading up to retirement and why shifting strategies is essential for long-term financial security. 

The Retirement Red Zone is defined as the five years before and the first five years after retirement. According to Edwards, this is the most financially sensitive period of a person’s life. While younger investors can comfortably ride out market swings because they have time to recover, those approaching retirement face a much smaller margin of error. The focus must shift from simply accumulating wealth to preparing to depend on those savings for a reliable income stream. 

A major risk during this transition is experiencing a market drop early in retirement while actively withdrawing income. Without a strategic plan, retirees may be forced to sell investments at a loss, permanently reducing the lifespan of their portfolio. To combat this, Edwards emphasizes the importance of moving from an investment plan to an income plan. This involves understanding the sources of retirement paychecks, such as Social Security, retirement accounts, and pensions, and coordinating them effectively. 

Edwards also highlights the necessity of understanding taxes and determining a safe withdrawal rate. Retirement planning is no longer just about growing money; it is about ensuring those assets last a lifetime. By proactively addressing these factors, individuals can achieve clarity and confidence as they navigate the complexities of their financial future. 

“The retirement red zone is the five years before retirement and the first five years after. And that’s the most financially sensitive period of your life,” said Edwards. “Once retirement is close, the margin of error gets much smaller. So you’re no longer just saving money, you’re preparing to depend on it for income. And that transition requires a completely different strategy.” 

Edwards added, “The most important step is to move from an investment plan to an income plan. That means understanding where your retirement paycheck will actually come from… Because retirement isn’t just about growing money anymore. It’s about making sure it lasts for a lifetime.” 

Watch the full interview on KZTV10 Coastal Living here: Interview with Owen Edwards of Edwards Investments 

About Owen Edwards 

Owen Edwards was born and raised in Northeastern Pennsylvania, where he continues to live and serve his community through his financial advisory practice. Beginning his 30th year, he is dedicated to empowering individuals and families to achieve financial freedom through education, bringing clarity to complex choices and guiding them toward confident, informed decisions. Owen is a Certified Financial Fiduciary® and holds a Certificate in Financial Planning from Boston University. 

Learn more: https://edwardsinvestments.com/ 

Advisory services are offered through Royal Fund Management, LLC, Royal Fund Management LLC is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance products offered through Edwards investments LLC. Insurance guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products. 

David Denning discussing from cold calls to connections 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-david-denning-co-founder-of-jumpstart-go/

In this episode of Influential Entrepreneurs, Mike Saunders had the pleasure of speaking with David Denning, co-founder of Jumpstart Go. David shared his fascinating journey into the world of marketing for financial professionals and insurance agents, highlighting how he and his spouse transitioned from a diverse marketing background to focusing specifically on helping these professionals succeed through social media. 

In the realm of financial services and insurance, the traditional approach to client acquisition has often revolved around the concept of “smile and dial.” This method, characterized by relentless cold calling, has been the go-to strategy for many professionals seeking to expand their client base. However, as David Denning, co-founder of Jumpstart Go, elucidates in a recent podcast episode, this approach is not only outdated but also ineffective in fostering the trust and authority essential for success in these industries. Instead, Denning advocates for a paradigm shift toward relationship-building through organic social media strategies. 

The fundamental flaw in the cold calling model lies in its inherent lack of personal connection. When financial professionals are instructed to make hundreds of calls each day, they often find themselves in a transactional mindset, where the focus is solely on the numbers rather than on meaningful interactions. This “frown and drown” approach, as Denning aptly describes it, can lead to burnout and disillusionment. In contrast, building relationships is a more sustainable and rewarding strategy. It allows professionals to engage with potential clients on a human level, fostering trust and establishing authority—two critical components in the financial services landscape. 

Denning emphasizes that the insurance and financial advisory sectors are fundamentally relationship-driven. Clients are making significant decisions regarding their money and future, and they need to feel a sense of trust in the individuals guiding them. Cold calls, often perceived as intrusive and impersonal, do little to instill that trust. Instead, professionals should focus on leveraging social media as a tool for authentic engagement. By sharing valuable insights, personal stories, and industry knowledge, financial advisors can position themselves as trusted authorities in their field, attracting clients organically. 

One of the key advantages of utilizing social media for relationship-building is the ability to connect with a targeted audience without the pressure of a sales pitch. Denning suggests that professionals should concentrate on a single platform where they can effectively engage with their audience, rather than spreading themselves too thin across multiple channels. This focused approach not only allows for deeper connections but also enhances the likelihood of generating referrals and leads. By consistently providing valuable content and engaging with their audience, financial professionals can cultivate a community that trusts their expertise and is more likely to seek their services. 

Moreover, the modern consumer is increasingly discerning and informed. They often conduct their own research before making financial decisions. In this context, the role of the financial advisor shifts from being merely a salesperson to becoming a valuable resource and partner in the decision-making process. By prioritizing relationships over cold calls, professionals can position themselves as trusted advisors who are genuinely invested in their clients’ well-being. 

In conclusion, the shift from cold calling to relationship-building is not just a trend; it is a necessary evolution in the financial services and insurance industries. As David Denning highlights, the focus should be on establishing trust and authority through meaningful interactions, particularly in the age of social media. By embracing this approach, financial professionals can create lasting connections with their clients, ultimately leading to sustainable growth and success in their businesses. The future of client acquisition lies not in the number of calls made, but in the quality of relationships forged. 

David shared: “Well, and you’re going to get burnt out, because honestly, it’s not even 100 anymore. Contact rates drop so low. People are doing 300 to 500 a day. And it’s the exact opposite of what we’re going to dive into and talk that I know you believe and I believe, too.” 

About David Denning 

David Denning is the co-founder of Jumpstart Go, along with his wife and partner, Elle. They help insurance agents and agencies build a predictable pipeline without buying leads or cold calling. Their strategies focus on practical organic social media marketing, referral partner systems, and simple processes that turn content into conversations and conversations into clients. David and his team have worked with more than 1,000 agents across all lines of insurance, and they lead a Facebook group of more than 36,000 insurance professionals called “Marketing for Insurance Agents”. Their frameworks have helped agents take control of their own marketing & lead generation to scale more profitable and have fun being authentic at the same time. David loves enjoying every moment of life and enjoys pickelball, mixology, and traveling/working around the world with Elle. 

Learn more: https://jumpstartgonow.com/action-call/  

SALT LAKE CITY, UT Global branding authority and business growth strategist Rey Perez announces Speaking & Sales Mastery, an exclusive, high-level live experience curated for faith-based, heart-centered, and purpose-driven founders, CEOs, entrepreneurs, and business professionals committed to expanding their influence, authority, and revenue through elite-level communication. 

https://WhoisReyPerez.com 

Designed as a premium, results-driven environment, Speaking & Sales Mastery brings together a select group of growth-minded leaders for immersive, advanced training on leveraging one-to-many communication across stages, media, and digital platforms to accelerate business growth and amplify impact. 

With over two decades of experience, Rey Perez is widely recognized for building influential personal brands and scaling founder-led companies through strategic branding, marketing, and PR. Through Team Rey Perez, he leads a world-class team of experts dedicated to positioning clients as the trusted authority in their space, enabling them to attract higher-value clients, increase conversions, and drive exponential growth while staying aligned with their mission. 

https://TeamReyPerez.com 

Co-hosting this elite experience is Hall of Fame speaker and New York Times bestselling author Dan Clark, known globally for his ability to transform leaders through powerful storytelling, conviction, and communication mastery. 

Further elevating the caliber of the event, Rey Perez has intentionally brought in two distinguished guest speaker trainers: 

• Carl Gould, renowned business growth expert and co-founder of 7 Stage Advisors, will deliver advanced frameworks on scaling businesses, increasing profitability, and optimizing strategic positioning for long-term success.
• Sir Dr. James Dentley, internationally respected speaker and change catalyst, will guide attendees through transformative insights on mindset, opportunity recognition, and high-level decision-making that drives accelerated results. 

“This is not an introductory speaking event. This is a mastery-level experience for leaders who are ready to refine their message, elevate their presence, and convert their communication into measurable business growth,” said Rey Perez. “In today’s marketplace, your ability to communicate with clarity, conviction, and authority determines your level of income and influence.” 

Participants will engage in a highly curated experience focused on: 

• Refining and delivering high-converting messages that attract premium clients
• Structuring and presenting sophisticated, irresistible offers in one-to-many environments
• Leveraging stages, media, podcasts, and digital platforms to build authority at scale
• Increasing revenue through authentic, relationship-driven communication strategies
• Elevating personal and brand positioning to command greater trust, credibility, and influence 

https://SpeakingandSalesMastery.com 

Unlike traditional events, Speaking & Sales Mastery is intentionally designed to foster a focused, high-caliber environment where serious business leaders can refine their communication strategy and immediately apply it to generate measurable results. 

Aligned with its mission-driven foundation, a portion of the proceeds from the event will benefit Influence With Love, supporting youth based initiatives dedicated to creating meaningful impact through purpose-driven leadership and service. 

https://InfluenceWithLOVE.org 

Jeremy Lach, President of Empire Marketing Partners, was recently featured on TV interview, where he revealed why top annuity producers often outgrow big box IMOs and how independent financial professionals can scale their production without burning out. 

With over 20 years of experience in the financial services industry, Lach has built a reputation for strengthening distribution channels and helping independent insurance reps, RIAs, and Registered Representatives grow their businesses with intention and discipline. During the interview, he broke down the hidden growth ceilings that advisors often encounter with large scale IMOs and the importance of finding a partner that supports advisors from day one. 

“The larger a firm gets; advisors can kind of become more of a production number. I mean, not really a partner,” said Lach. “That is when the focus is mainly on your volume and not really your personal growth. At Empire Marketing Partners, we believe in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy.”

Lach also addressed a common pain point in the industry: the feeling of isolation and lack of personalized support as advisors try to scale. His mission is to help independent financial professionals build a lasting legacy by fostering a strong culture that values loyalty, shared standards, and sustainable growth. 

In today’s ever evolving financial landscape, many professionals begin their careers with large organizations to learn the ropes. While these IMOs provide initial stability, they may also impose restrictions such as specific product offerings, rigid commission structures, and a lack of autonomy. By transitioning to a more entrepreneurial environment, advisors can break free from these constraints and gain the freedom and resources necessary for true growth. 

However, it is essential to align with a stable, strategic partner that operates like family. By doing so, financial professionals can navigate the complexities of scaling their business effectively and confidently, ensuring they are not just another cog in the wheel but are genuinely supported.  Growth requires more than just product access; it requires infrastructure and guidance.   

Lach shared: “Higher compensation does not mean anything if there really is not any support. We want to create an environment where people feel valued but also challenged.  When you get both right, that’s where real growth happens. We are committed to proving that through service, experience, and consistency, we bring more value than anyone else in the space.” 

Watch the full interview on The Morning Blend TV show here: Interview with Jeremy Lach of Empire Marketing Partners 

About Jeremy Lach 

Jeremy Lach is the President of Empire Marketing Partners. His career began in retail financial services in 1999, and he has since dedicated himself to helping independent financial professionals grow. He focuses on supporting advisors operationally and strengthening his brand and influence within the industry, aligning with like minded professionals committed to growth and long term impact. 

Learn more: http://www.empiremps.com/ 

Recent News & Interviews:

• Jeremy Lach Discussed Why Top Annuity Producers Outgrow Big Box IMOs https://authoritypresswire.com/jeremy-lach-president-of-empire-marketing-partners-interviewed-on-the-influential-entrepreneurs-podcast-discussing-why-top-annuity-producers-outgrow-big-box-imos/
• Jeremy Lach Discussed going From Annuity Producer to Recognized Retirement Expert https://authoritypresswire.com/jeremy-lach-president-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-going-from-annuity-producer-to-recognized-retirement-expert/
• Jeremy Lach Discussed Building a Family-Centered High-Performance Advisor Community https://authoritypresswire.com/jeremy-lach-president-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-building-a-family-centered-high-performance-advisor-community/
• Jeremy Lach Discussed Scaling to 8-Figure Annuity Production Without Burning Out https://authoritypresswire.com/jeremy-lach-president-of-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-scaling-to-8-figure-annuity-production-without-burning-out/

Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals.  The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice.  Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public.  Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements.  Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier.  Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions. 

Salt Lake City, UT —Business Growth Strategist Rey Perez is bringing a powerful, results-focused experience to Salt Lake City with his upcoming Business Growth BootCamp, a three-day immersive event designed for founder-led businesses ready to align purpose with profit and scale with intention. 

With over 20 years of experience in branding, marketing, and business growth strategy, Perez has supported entrepreneurs across multiple industries in transforming their message into measurable momentum. Through his work alongside a full-service team of experts, designers, Copywriters, video editors, web developers and marketing strategists, he has become known for guiding founders to elevate their authority, increase visibility, and generate sustainable growth for their brand and business. 

The Business Growth BootCamp is specifically curated for faith-based, heart-centered, purpose-driven entrepreneurs who are seeking more clarity, structure, and scalable growth systems without relying solely on paid advertising. 

“This event is about showing founders what’s truly possible when their brand, message, and mission are aligned,” said Perez. “When you build from purpose and lead with intention, growth becomes a byproduct of clarity, not confusion.” 

Over the course of three days, attendees will gain practical frameworks and real-world strategies across branding, marketing, promotions, and sales. The experience is designed to support business owners and their marketing team: 

• Clarifying their brand positioning and authority in the marketplace
• Creating consistent and predictable lead generation systems
• Converting more opportunities into aligned clients
• Building trust-driven businesses that naturally increase referrals
• Aligning their business model with their deeper mission and values 

In addition to the live event, Perez and his team offer a Fractional vCMO Program, providing founder-led companies generating under $10 million in annual revenue with executive-level branding and marketing leadership without the overhead of a full-time Chief Marketing Officer or full creative department. This program supports businesses in implementing long-term growth strategies, building high-performing marketing ecosystems, and scaling with clarity and confidence. 

https://FractionalvCMO.com 

At the core of Perez’s work is a deeper mission. A portion of all business initiatives directly supports Influence With Love, a nonprofit organization dedicated to supporting under-privileged youth globally, through service, leadership, and community-driven initiatives. 

“This is bigger than business,” Perez added. “Everything we build is designed to create a ripple effect, where successful businesses become vehicles for greater impact, generosity, and meaningful change.” 

https://InfluenceWithLOVE.org 

The Business Growth BootCamp will take place in Salt Lake City, Utah, from April 22–24 and is expected to attract a select group of committed entrepreneurs ready to grow their businesses with purpose and integrity. 

For more information about the event or the Fractional vCMO Program, please visit: 

https://BGB360.com

About Rey Perez 

Rey Perez is a Global Branding Expert and recognized Business Growth Strategist who supports founder-led businesses in turning their message into measurable growth while scaling their brand and business. Through strategic branding, marketing systems, and leadership-driven execution, Rey and his team partner with purpose-driven entrepreneurs to build trusted, scalable, and impact-focused companies. 

https://WhoisReyPerez.com 

In a newly released episode of the 34o Podcast, host Henrik Davidson sits down with Bonnie Diaz, world-class ballroom champion, master educator, and creator of the 4D Partnership System, for a conversation that reframes partnership as a practice of listening rather than leading or following.

Through movement, embodiment, and awareness, Diaz explores how connection is formed in the body long before words are spoken. Introducing partnership through four dimensions—Physical, Social, Emotional, and Spiritual consciousness—she reveals how movement becomes a mirror for intimacy, trust, balance, and presence. The discussion weaves together concepts such as shared axis, kindness in connection, and the ways relational patterns surface physically when awareness is absent.

The episode also features Diaz’s acclaimed book, The 4th-Dimension Partnership, A New Solution for a World Out of Balance: How Higher Awareness & Perspective Enhances Kindness for Your Dance of Life (Paperback, January 19, 2026). The book recently has ranked among the Top 50 Ballroom Dance books, reflecting a growing global interest in embodied intelligence, relational awareness, and conscious partnership.

“This conversation goes beyond dance,” the episode emphasizes. “It’s about how we meet another human being—with awareness, responsibility, and care.”

The 34o Podcast goes beyond performance and surface pleasure. Through candid conversations with women and men of diverse ages and backgrounds, the podcast explores presence, desire, shame, healing, emotional maturity, and why disconnection persists even amid outward success. Its focus centers on meaning, relational safety, and conscious intimacy.

In this episode, listeners explore:

• Why technique alone can’t create real connection

• How intimacy is built through presence, not control

• What “shared axis” means in relationships and everyday life

• How movement can heal disconnection and restore balance

Whether you dance, love, lead, or long for deeper connection, this episode invites listeners to engage with partnership through embodied awareness rather than performance.

Listen to the episode:
https://open.spotify.com/episode/0oKbyeUna8wNyX4d2t15OO

Learn more about Bonnie Diaz:
https://bonniediaz.com

About Bonnie Diaz

Bonnie Diaz is a world-class ballroom champion, master educator, and creator of the 4D Partnership System, an embodied framework for understanding connection through Physical, Social, Emotional, and Spiritual awareness. With decades of experience teaching and performing internationally, Diaz is recognized for translating complex movement principles into practical tools for partnership, leadership, and human connection.

She is the author of The 4th-Dimension Partnership: A New Solution for a World Out of Balance — How Higher Awareness & Perspective Enhances Kindness for Your Dance of Life (January 19, 2026), a Ballroom Dance book that extends her work beyond dance into relationships, communication, and conscious living. Her work bridges artistry, education, and human development, offering a body-based approach to restoring balance, trust, and presence in modern life.

LaBlast Fitness, the global dance fitness movement, today announced that champion dancer, founder, and visionary Bonnie Diaz will deliver the keynote address at LIFCON 2026, the brand’s annual instructor and fitness conference. Her keynote, “The 4th Dimension: Restoring Balance & Connection,” is scheduled for st 1 p.m. on July 16.

Diaz, a former U.S. World Mambo Champion, three-time U.S. Ten Dance Representative, and eleven-time undefeated Basic Latin Champion, brings a rare combination of elite competitive mastery and transformational philosophy to the LIFCON stage. Her keynote introduces the concept of the “4th dimension” as a framework for restoring balance, deepening awareness, and strengthening connection—both within ourselves and with others.

Through movement, structured discussion, and reflection, participants will explore how higher-dimensional thinking can bring clarity, purpose, and harmony to every dimension of life—on the dance floor and far beyond it.

“We don’t just move our bodies when we dance—we move through dimensions. When you understand the 4th dimension, everything changes: how you lead, how you connect, how you heal.”— Bonnie Diaz

Diaz is the founder of Ballroomology.com, a platform dedicated to the art, science, and culture of ballroom dance, and BallroomBarks.org, which unites her love of animals and dance in philanthropic community work. Her career spans decades of championship competition, education, and advocacy for dance as a vehicle for physical and mental wellbeing.

LIFCON 2026 is LaBlast Fitness’s premier annual event, bringing together instructors, fitness professionals, and dance enthusiasts for education, inspiration, and community. Full event details and registration are available at lablastfitness.com/lifcon-2026/.

ABOUT BONNIE DIAZ

Bonnie Diaz is a former U.S. World Mambo Champion, three-time U.S. Ten Dance Representative, and eleven-time undefeated Basic Latin Champion. She is the founder of Ballroomology.com and BallroomBarks.org. A visionary shaping the future of dance, Diaz is dedicated to using movement as a pathway to higher awareness, balance, and human connection.

ABOUT LABLAST FITNESS

LaBlast Fitness is a dance fitness program that brings the joy and discipline of ballroom dance to group fitness settings worldwide. For more information, visit lablastfitness.com.

Harder has spent years observing a pattern that continues to hold small business owners back—not a lack of effort, but a misalignment between where their time is spent and where real leverage is created. That observation led to the development of what he now calls The Silent Advantage.

“The businesses that benefit most from major technology shifts aren’t the ones that mastered the tools,” said Harder. “They’re the ones that put those tools to work for them—focused on outcomes, not on becoming experts.”

The Silent Advantage represents a fundamentally different approach. Rather than requiring business owners to learn complex systems, it focuses on building infrastructure that works quietly in the background, delivering results without demanding constant attention, new skill sets, or ongoing management.

At its core is a simple but powerful belief: small business owners should not have to become technologists to benefit from technology. “Too many business owners pick an AI tool and try to force it into their business,” Harder explained. “When they should be asking: what outcome do I actually need? Then the right system can be built to deliver that outcome, whether it involves AI or not.”

This shift in perspective removes a significant burden from business owners. Instead of chasing tools, platforms, and trends, they can remain focused on what they already do best—serving their clients and refining their expertise, while the systems supporting their business operate seamlessly behind the scenes.

“You don’t spend years building a business without becoming an expert in what you do,” said Harder. “The Silent Advantage is about making sure the systems running in the background understand that expertise well enough to advocate for you, without you having to manage it.”

Unlike many approaches currently being promoted in the market, The Silent Advantage does not add more to a business owner’s workload. It removes complexity.

Harder stated: “the small businesses that win in the next phase of this shift won’t be the ones who learned the most about AI. They’ll be the ones who realized they didn’t need to.”

The result is an advantage that is both measurable and sustainable, yet largely invisible. The systems operate quietly, the outcomes compound over time, and the business owner remains focused on growth rather than constant adaptation.

Harder is also a co-founder of Authority Lion, a firm created to help professional service businesses become the ones AI platforms confidently recommend. The company combines Harder’s Silent Advantage infrastructure with the credibility and authority positioning work of Carol A Santella, known for her Mark of Distinction approach, helping businesses ensure their expertise is both recognized and trusted, combining visible authority with the invisible infrastructure that ensures it is understood and recommended.

As technology continues to evolve, Harder believes the path forward for small businesses should be simpler, not more complicated.

Harder continued: “The technology is already working for someone in your market. The question is whether it’s working for you—quietly, consistently, and without demanding your time.”

To contact Ed directly: 262-262-6300
Ed@sparkroadai.com

Nancy Matthews, international speaker, best-selling author, and founder of The People Skills Academy, today announced the launch of Being The One Volume II: How to Lead Boldly & Live Your Vision, a collaborative anthology featuring 13 influential leaders sharing raw, faith-filled stories of identity reclamation, courageous action, and purposeful living.

The book launches March 26–27, 2026, with exclusive bonuses available to readers who join the waitlist prior to the launch window.

Being The One Volume II is the follow-up to Matthews’ widely embraced first volume and builds on her signature THE ONE PHILOSOPHY — the conviction that living and leading by recognizing the inherent value in every one you meet, creates unity, fulfillment and fortune.  Contributors share unfiltered accounts of the moments that tested them, transformed them, and ultimately called them forward. The result is a field guide for leaders navigating the intersection of purpose, identity, and impact.

“We’re at a moment in time when people are being asked to lead at a level they’ve never led before. This book is a reminder that you don’t need to do more — you need to BE more. More aligned, more intentional, more anchored in who you’re here to be.” — Nancy Matthews

Free Live Class Precedes June Event

To support readers and emerging leaders in translating the book’s principles into action, Matthews will host a complimentary live class — Step Into Your Calling & Be Recognized as THE ONE — on Tuesday, March 31, 2026 at 6:00 PM Eastern. The class serves as an orientation for her flagship live event.

BE THE ONE The Elevation Experience — June 5–7, Fort Lauderdale

The immersive two-day BE THE ONE The Elevation Experience takes place June 5–7, 2026 in Fort Lauderdale, Florida. Designed for growth-minded men and women who understand that sustainable revenue and impact begin with energetic alignment and strategic clarity, the event combines experiential learning, live coaching with Matthews, and community activation.

A Super Early Bird rate of $297 — accompanied by more than $2,000 in bonuses — is available through March 31, 2026.

About Nancy Matthews

Nancy Matthews is an international speaker, best-selling author, and sales and marketing expert recognized for her work in leadership development and personal transformation. As founder of The People Skills Academy, and Women’s Prosperity Network, she has guided thousands of entrepreneurs, executives, and emerging leaders to step fully into their calling and build businesses and lives of bold intention. Her THE ONE  PHILOSOPHY brand has become a global movement anchored in the belief that treating every person as “The One” is the shift that changes everything … in hearts, minds, families, businesses and throughout the world.

For media inquiries, interviews, or review copies of Being The One Volume II, contact nancy@nancymatthews.com or call (954) 710-6900.

Three decades of personalized financial planning, trusted relationships, and forward-thinking wealth strategies

Yardley, PA —Edelman Wealth Management is celebrating its 30th anniversary, marking three decades of helping individuals, families, and businesses build secure financial futures through personalized planning and trusted guidance.

Founded in 1996 by Scott D. Edelman, the firm was created with a clear mission: to provide thoughtful financial advice that helps people feel confident about their future. Over the past 30 years, Edelman Wealth Management has grown into a respected advisory firm known for long-term client relationships and customized wealth strategies.

Today, the firm provides comprehensive financial planning designed to help clients navigate every stage of life—from building wealth and protecting assets to planning for retirement and creating multigenerational legacies.

“Reaching this milestone represents decades of relationships built on trust,” said Edelman. “What has always mattered most is helping our clients gain clarity and confidence about their financial lives.”

As financial markets evolve and clients face increasingly complex financial decisions, Edelman Wealth Management continues to expand its strategic planning services to meet changing needs. The firm focuses on helping clients align their financial strategies with their long-term lifestyle goals.

Entering its fourth decade, Edelman Wealth Management remains committed to delivering uncomplicated advice, personalized strategies, unparalleled service and long-term partnership for the individuals, families, and businesses it serves.

About Edelman Wealth Management

Edelman Wealth Management is a wealth and benefits management firm dedicated to helping individuals, families, and businesses live their best financial lives through clear advice, thoughtful planning, and long-term partnership. Founded in 1996 by Scott D. Edelman, the firm provides personalized financial strategies designed to evolve with clients through every stage of life.

Learn more: www.edelmanwealthmanagement.com

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

For media inquiries or more information, please contact Scott D. Edelman at scott@ewmginc.com or 215-579-5601.

Edelman Wealth Management Group Inc., 1790 Yardley Langhorne Road, Suite 202, Yardley, PA 19067. www.edelmanwealthmanagement.com   

As tax season reaches its peak, many individuals are focused solely on filing their returns.
However, local fiduciary advisor Owen Edwards says that approach often leads to missed
financial opportunities that could have a lasting impact.

Edwards is encouraging individuals and families throughout Northeastern Pennsylvania to take a more proactive and strategic approach by understanding the most common tax-related mistakes he sees each year.

“Tax season is not just about filing,” Edwards said. “It’s one of the best opportunities people
have to improve their financial position, but many don’t realize what they’re missing.”

According to Edwards, these are the five most common mistakes individuals make during tax
season:

1. Not maximizing retirement contributions
   Many individuals fail to fully utilize contribution limits for retirement accounts such as
   IRAs or Roth IRAs, missing out on valuable tax advantages and long-term growth
   potential.
2. Ignoring Roth conversion opportunities
   Tax season presents an ideal time to evaluate whether converting pre-tax assets into Roth accounts could help reduce future tax liability.
3. Overlooking future required minimum distributions (RMDs)
   Failing to plan ahead for RMDs can lead to higher taxable income later in retirement,
   potentially impacting overall financial stability.
4. Making investment decisions without tax awareness
   Buying or selling investments without considering tax implications can create
   unnecessary tax burdens and reduce overall returns.
5. Treating tax filing as a one-time event
   Many individuals focus only on meeting deadlines rather than using tax season as part of a broader, year-round financial strategy.

More than 70 million Americans rely on workplace retirement plans such as 401(k)s as their
primary source of retirement savings, making tax efficiency within those plans increasingly
important.

Edwards notes that many individuals in communities like Scranton, Clarks Summit, and across Northeastern Pennsylvania have not revisited their tax strategy in years, even as tax laws and personal circumstances continue to evolve.

“Small adjustments made during tax season can have significant long-term impact,” Edwards said. “The goal is to keep more of your hard-earned money by making informed decisions. Don’t leave Uncle Sam a tip.”

Edwards encourages individuals to view tax season not as a deadline-driven task, but as a critical checkpoint in their overall financial planning strategy.

About Owen Edwards
Owen Edwards, Certified Financial Fiduciary® serves individuals, families, and business owners throughout Northeastern Pennsylvania and nationwide.

Beginning his 30th year in financial services, Edwards is known for his educational, client-first approach and his dedication to helping families gain the clarity and confidence they need to make informed financial decisions.

Learn more: https://edwardsinvestments.com/ 

Owen Edwards is an Investment Adviser Representative of and investment services offered through Royal Fund Management, LLC, an SEC Registered Adviser. 401(k) Maneuver is another business name for Royal Fund Management, LLC. Royal Fund Management LLC only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. All investment strategies have the potential for profit or loss. Changes in investment
strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark. Insurance product guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products only. Royal Fund Management and Owen Edwards are not
engaged in the practice of law or accounting and any advice provided should not be construed as legal or accounting advice. The information discussed and presented herein is intended to serve as a basis for further discussion with your financial, legal, tax and/or accounting advisors. It is not a substitute for competent advice from these advisors. Content was prepared by a third-party, unaffiliated provider and is not the product of the adviser or Royal Fund Management LLC, and should not be regarded as a complete analysis of the subjects discussed. Language used by the third-party that appears promissory should be considered as
mere marketing hype or hyperbole and the reader is reminded that there can be no guarantees or assurances or any particular outcome. Although we believe the content is reliable, it is not guaranteed as to accuracy and is not intended to be the primary basis for investment decisions. All expressions of opinion reflect the judgment of the author as of the date of publication and are subject to change. All information and ideas should be discussed in detail with your Investment Adviser Representative prior to implementation.

Individuals preparing for, or currently in retirement, are invited to attend an exclusive  educational dinner seminar focused on one of today’s most widely discussed—and often  misunderstood—financial tools: Annuities.  

Hosted by Randy Hux, President and Founder of Hux Capital Management, this event titled  “The Retirement Income Puzzle: Where Annuities Fit & Where They Don’t” will provide  attendees with a clear, balanced perspective on how annuities may—or may not—play a role in a  comprehensive retirement income strategy.  

“There’s a lot of noise around annuities right now—some of it helpful, some of it not,”said Hux.  “I’m looking forward to cutting through that and giving people a clear, balanced understanding  of where annuities may fit within a retirement income strategy.”  

This exclusive dinner event is designed for individuals who have accumulated at least $500,000  in verifiable investable assets and are seeking to make more educated financial decisions for  retirement. The seminar is particularly beneficial for those who currently own an annuity and are  looking for understanding as to how it benefits them exactly or are considering adding one to  their retirement portfolio to eliminate the possibility of market losses and to be able to acquire  income throughout their retirement.  

Attendees will gain valuable insights into:  

• The four main types of annuities and how they work  
• When annuities can help reduce market risk  
• Situations where annuities may not be appropriate  
• How annuities may fit into an overall retirement income plan  

Many investors have turned to annuities as a way to add stability to their portfolios. However,  these products can be complex and are often misunderstood or misrepresented. This seminar  aims to provide clarity and education, empowering attendees to evaluate their options with  confidence.  

The event is open to qualified residents of Acadiana and surrounding South Louisiana  communities, including the Greater Lafayette area. Space is limited, and advance registration is  required.  

Event Details:  

• Tuesday, April 21 — Event ID: 207222  
• Tuesday, April 28 — Event ID: 207223  

To reserve your seat, please call 800-898-3572 and reference RSVP Code: 502872. 

This educational dinner seminar is ideal for individuals who are retired or planning for retirement  and who own IRAs, 401(k)s, or other investment accounts.  

About Randy Hux  

Hux Capital Management is a Lafayette, Louisiana–based financial services firm focused on  providing personalized retirement and investment planning solutions. The firm delivers  customized fiduciary-based guidance designed to help individuals and families make educated financial decisions aligned with their long-term goals.  

Hux Capital Management emphasizes a client-first approach centered on education,  transparency, and clear communication. Rather than relying on complex financial terminology,  the firm prioritizes helping clients understand the strategies being considered and how they  support overall financial objectives.  

Services include tax reduction strategies, estate and legacy planning, retirement income planning  (building self funded pensions), proactive money management, insurance solutions, and ongoing  financial education. Through a collaborative and relationship-driven process, Hux Capital Management works to provide clients with actionable strategies and long-term financial clarity.  

Learn more: www.huxcapitalmanagement.com  

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an  SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor  does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk  of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux  Capital Management is a separate and unaffiliated entity from Simplicity Wealth. 

Dr. Izdihar Jamil, Ph.D., a Los Angeles-based bestselling author, TEDx speaker, and visibility strategist, has been featured in ShoutOUT LA, showcasing her expertise in helping leaders, entrepreneurs, and organizations amplify their voices and drive measurable impact.

The feature cements Dr. Jamil as a recognized authority in storytelling, personal branding, visibility, and leadership development.

Dr. Jamil has authored multiple bestselling books, including Speak With Influence, Money Makers, and Are You Visible, all available on Amazon. Through these works, she provides actionable strategies for leaders and entrepreneurs to communicate effectively, increase visibility, and convert influence into revenue.

Her TEDx work demonstrates her authority on stage and in coaching. Dr. Jamil’s TEDx talk, “Coming To America: A Story of A Hijab Wearing Woman” (TEDxDelthorneWomen), has garnered over 112,000 views, inspiring audiences worldwide with her journey of resilience, identity, and cultural empowerment.

Beyond her own talks, she has trained speakers whose collective presentations have reached over 3 million views, helping business owners and organizations leverage storytelling with influence to grow revenue, strengthen authority, and spark meaningful conversations.

“Every story has the power to transform a business, a brand, and even a community,” Dr. Jamil said. “Through storytelling, leaders can connect authentically, increase visibility, and drive influence that matters—not just for profit, but for purpose.”

The ShoutOUT LA feature highlights Dr. Jamil’s innovative approach, combining strategic storytelling, public speaking, and visibility coaching to help leaders craft narratives that inspire action and create social impact. By training clients to communicate with authority and authenticity, she positions them to stand out in crowded markets and maximize influence.

Her personal journey reinforces her credibility. Originally from Malaysia, she navigated cross-cultural transitions across England, India, and the United States while building her expertise. Her entrepreneurial roots trace back to her grandmother, whose problem-solving and innovative spirit inspired Dr. Jamil to embrace service, resilience, and strategic vision.

As a multicultural leader navigating diverse environments, Dr. Jamil draws from decades of experience in media, public speaking, and executive coaching to guide others in unlocking their full potential and telling their stories with confidence and impact.

Highlights from the ShoutOUT LA feature include:

• 21x bestselling author with books designed to elevate visibility and influence
• TEDx speaker whose talks have reached over 112,000 views individually, with speakers she mentors collectively reaching 3+ million views
• Founder of a proven coaching methodology that integrates storytelling, influence, and revenue generation for organizations and entrepreneurs
• Curator of TEDx events and speaker training programs that empower individuals to communicate their expertise with clarity and authority

Dr. Jamil continues to inspire leaders across industries to use strategic storytelling as a tool for growth, influence, and social impact. Her ShoutOUT LA feature solidifies her reputation as a thought leader in visibility, storytelling, and leadership.

About Dr. Izdihar Jamil, Ph.D.

Dr. Izdihar Jamil is a Los Angeles-based bestselling author, TEDx speaker, visibility expert, and coach. She empowers leaders, entrepreneurs, and organizations to leverage storytelling with influence to grow revenue, strengthen authority, and create meaningful impact. Through speaking, coaching, and her bestselling books, she transforms authentic narratives into measurable results while cultivating social influence and thought leadership.

San Diego, CA – March 24th, 2026– DVLPR is proud to announce Scale Up Summit 2026, the premier conference designed specifically for dev agency founders, CEOs, CTOs, and digital business leaders looking to grow smarter, scale efficiently, and position their agencies for long-term success. The event will take place April 28–30, 2026, at the iconic Hard Rock Hotel in San Diego, California, and is limited to 500 participants.

Unlike typical business events, Scale Up Summit is a hands-on, actionable experience where agency leaders gain strategies, systems, and connections that can be implemented immediately. Participants will leave with the tools and insights needed to transform a delivery-focused agency into a scalable, sustainable, and profitable business.

“Scale Up Summit wasn’t just an idea for an event. We wanted to create an experience by leaders who have been in the trenches themselves – building services businesses, navigating growth challenges, and learning the hard lessons along the way,” said Justin Fortier, Managing Partner at Fractal Group and co-founder of Scale Up Summit. “Our goal is to give other agency leaders practical guidance, proven frameworks, and the clarity to scale their businesses with confidence.”

Graham Peck, Managing Partner at Fractal Group and co-founder of Scale Up Summit, added, “We wanted to create an event where agency leaders stop spinning their wheels and start building systems and strategies that actually work. Attendees will walk away with actionable insights, refined operations, and a clear path to sustainable growth of your business and enterprise value. You’ll leave with the tools ready to scale to sale!”

For more information and to reserve your spot, visit: https://scaleupsummit.io

About Scale Up Summit:
Founded by seasoned entrepreneurs Justin Fortier and Graham Peck, Scale Up Summit is designed to help dev agency leaders grow smarter, build scalable operations, and position their businesses for long-term success. The event combines real-world experience, actionable strategies, and a community of peers committed to building agencies that last.

There are more than 1.5 million licensed real estate professionals in the United States. Fewer than 1% hold the Certified Divorce Real Estate Expert designation. Ronda Hopper is one of them and, right now, she is the only one in northern Arizona.

Hopper joins media strategist and host Keri Murphy on the latest episode of The Keri Murphy Show to talk about why that credential matters, what most agents get wrong when a couple is selling a home in the middle of a divorce, and how she built a practice that serves one of real estate’s most overlooked and emotionally complex client populations.

The Gap Most Agents Miss

Nearly half of all U.S. marriages end in divorce, and the family home is almost always the largest shared asset involved. Yet the overwhelming majority of agents handling these transactions have no specialized training in the legal, emotional, or logistical dynamics that make a divorce sale fundamentally different from any other.

The core difference, Hopper explains, is neutrality. In a traditional sale, an agent typically comes in through one party’s referral. In a divorce transaction, that built-in bias can quietly undermine the entire process.

“We’re trained neutrals,” Hopper said. “I treat both homeowners exactly the same. They get the exact same communication. Most homeowners going through a divorce have a lot of fear and negative emotions — and they think the agent is going to side with one or the other. We don’t.”

Hopper’s path to this specialty is as personal as it is professional. A child of two divorces herself, she spent years in traditional real estate before discovering the CDRE certification and recognizing immediately why it fit.

“I know what goes on behind the scenes, and it’s hard,” she said.

The Family Law community is beginning to take notice. Hopper says a growing number of family law attorneys are actively seeking CDRE-certified agents to refer their clients to. This shift is driving nationwide awareness of the designation, even as it remains rare.

The Emotional Weight of the Work

Serving clients in crisis requires more than technical credentials. Hopper describes maintaining her own equilibrium as a non-negotiable part of the job, and one that demanded its own kind of investment.

“I didn’t realize I was storing all these negative emotions and just living from the neck up,” she said. “I’m still learning. It’s still a work in progress. But it’s about replacing the negative emotions with the positive ones and learning how to reprogram the things I’ve believed all these years.”

She sustains the kind of presence her clients need from her through a daily practice of journaling, exercise, and meditation that she built deliberately over time.

Reinvention Without Starting Over

When Hopper relocated from San Diego to Prescott, Arizona, she faced a decision many established professionals recognize: walk away from two decades of client relationships or find a way to serve both markets simultaneously. She chose a third option.

“I remember thinking it had to be either/or,” she said. “But it doesn’t have to be. You have to think outside the box.”

Now licensed in both California and Arizona, Hopper recently closed her first consecutive San Diego-to-Prescott Valley transaction, guiding the same client through selling their Southern California home and buying in Arizona without needing a second agent. It is a model she plans to expand, positioned squarely at the growing number of Californians relocating to Arizona.

And when the market slowed, she did not wait for it to recover. She started making candles in her garage, a creative outlet built around hand-mined amethyst crystals she excavates herself from a working mine at 6,000 feet elevation, accessible only by helicopter. The result, Dune Candle Co., is now moving toward commercial sales. Murphy connected it to a pattern she sees repeatedly among women entrepreneurs.

“My greatest new idea has come from going through a challenging time,” Murphy said. “It’s not about you. It’s about being of service to someone else.”

About The Keri Murphy Show

The Keri Murphy Show is the flagship program on Brilliant TV, the media channel of the Brilliant Women Network. Each episode features candid conversations with entrepreneurs, executives, and professionals who are building careers and businesses on their own terms. The show is designed for women leaders who want substantive stories, practical perspective, and honest conversation about what it actually takes to grow.

Watch the full episode with Ronda Hopper at https://www.youtube.com/watch?v=-Qc3X8TDUCc.

New episodes of The Keri Murphy Show are released weekly on www.InspiredLiving.tv.

About Ronda Hopper

Ronda Hopper is a Certified Divorce Real Estate Expert (CDRE) and licensed real estate professional serving clients in San Diego, California, and Prescott, Arizona. She is currently the only CDRE-certified agent in northern Arizona. She is also the founder of Dune Candle Co., a handcrafted candle brand featuring hand-mined amethyst crystals. Learn more at https://rhhomesweethome.com/about/.

About The Keri Murphy Show

The Keri Murphy Show is a weekly interview series on Brilliant TV, the media platform of the Brilliant Women Network. Host Keri Murphy is a media strategist and entrepreneur who has spent 14 years coaching executives and entrepreneurs to grow their influence through video and authentic storytelling. New episodes are released weekly on www.InspiredLiving.tv.

In a powerful tribute to the human element of commerce, MSP News Global has partnered with five-time global #1 best-selling author Stacey Hall to celebrate International Clients Day. The collaboration highlights a specialized feature involving 25 world-class experts who are redefining business success through the lens of “Beyond the Transaction” care.

​Led by Stacey Hall, creator of The Lighthouse Path, this initiative showcases a global shift toward trust-centered growth and authentic leadership. The featured leaders provide a roadmap for entrepreneurs to move away from high-pressure tactics and toward sustainable, values-driven relationships.

​“The businesses that last are not always the loudest or the fastest,” the MSP News Global Team shared. “They are the ones that make people feel like they truly matter.”

​Featured Global Experts & Perspectives

​The collaboration features insights from 25 diverse industry leaders, each demonstrating how they prioritize client humanity over contracts:

• ​Stacey Hall (Sales Success Strategist): Focuses on clarity and alignment through The Lighthouse Path, ensuring clients feel safe and understood before strategy begins.
• ​Carla Archer (Elevated Results Method): Prioritizes emotional frequency and sincere gratitude to build foundations for lasting results.
• ​Dortha Hise (Business Systems Strategist): Emphasizes relational partnerships over projects, supporting the person as much as the business.
• ​Deborah Drummond (The Women’s Channel): Advocates for equal respect and opportunity, ensuring service quality is never dictated by price point.
• ​Jackie Philip (The Colour Codex): Offers a “living language of light” and steady presence that extends long after the artwork is complete.
• ​Nitara Lee Osbourne, M.Ed. (The Infinite Writer Agency): Treats clients as family, maintaining deep personal connections across the United States.
• ​Susan L. Fisher (Strategic Calm Leadership): Helps corporate women regulate stress, ensuring professional success doesn’t cost them their peace at home.
• ​Ann Bieszke RRT (Wellness Educator): Uses 25 years of clinical experience to support clients in pausing, breathing, and celebrating small wellness wins.
• ​Melissa Heathers (The Book Crawl): Customizes promotional experiences for authors to ensure they are seen as recognized thought leaders.
• ​Lynda Schulte (Women’s Vitality Mentor): Focuses on holistic wellness for women over 50, walking alongside them through stress and vitality struggles.
• ​Amber Sonsalla (Living with Freedom Ministries): Equips individuals to steward their God-given Purpose through Private Member Associations.
• ​Monika J. Greczek (Sacred Glow Salon & Spa): Blends clinical expertise with frequency techniques for sustainable, whole-body skin health.
• ​Merritt Badeau (Transformational Guide): Guides women back to their inner authority through emotional attunement and nervous system safety.
• ​Lucinda Pickering-Quinn (Manifesting Youniverse): Provides non-judgmental presence to help individuals reconnect with their own inner wisdom.
• ​Jamie Cooksey (Bayou Dream Builder Consulting): Helps women over 40 design their next chapters with courage, congruency, and autonomy.
• ​Brenda Martino (Powerful Aging for Women): Mentors women aging solo, building a community where no one feels they are journeying alone.
• ​Beverly Davidson (Reboot Your Health Naturally): Restores trust in the body for those recovering from trauma through patient, frequency-based support.
• ​Dan Albaum (Market Impact): Anchors strategy in empathy and transparency, treating every client need with genuine curiosity.
• ​Dr. Melissa Balizan (Concierge Pharmacist): Provides personalized health solutions and motivational support that encompasses physical and mental well-being.
• ​Carroll Patrizi (SURRENDER The Movement): Operates under the “Golden Rule,” prioritizing service and storytelling to create win-win outcomes.
• ​Cathy Holt (Women’s Leadership Strategist): Identifies the exact shifts needed for women to own the room and use their strengths strategically.
• ​Dr. Annette Greenwood (Life Coach): Uses respect and visualization to help clients invite prosperity and long-term success.
• ​Liz Goll Lerner (Communication Expert): Guides complex business relationships by helping individuals remember their passion and skill.
• ​Norbert Orlewicz (DigitalMentors.com): Helps coaches build acquisition systems based on truth, freedom, and direct strategy guidance.
• ​Antje Swart (Executive Success Strategist): Breaks through money blocks using the WATCH ME Succeed process to align head, heart, and habits.

​About MSP News Global

​MSP News Global is a premium business magazine and media platform featuring influential leaders, trendsetters, and change innovators. Led by CEO and Founder Mark Stephen Pooler, the agency provides a stage for original authorship and world-class expertise in coaching, real estate, and global business.

​Read the Full Feature Article Here:

World-Class Experts Share Beyond the Transaction

​#####

​

In a strategic move signaling a new era of integrated leadership and investment insight, human performance leader MindTune and Rock Solid Capital have partnered to elevate the performance and potential of executives, athletes, and high-level performers in 2026 and beyond. This alliance combines performance psychology with capital strategy under one shared mission: unlocking untapped human potential and converting it into measurable business results.

At a time when workplace stress, burnout, and decision fatigue are costing companies billions of dollars annually in lost productivity and stalled growth, this strategic partnership offers a targeted, high-impact solution. Research demonstrates that chronic stress and employee disengagement erode operational efficiency, stifle innovation, and result in substantial unrealized revenue. According to Gallup’s State of the Global Workplace: 2025 Report, declining global employee engagement cost the world economy an estimated $438 billion in lost productivity in 2024 alone.

MindTune and Rock Solid Capital are directly addressing this critical gap by integrating advanced mindset mastery with disciplined capital execution to unlock peak performance and sustainable results.

The ingenuity for Global Impact + Capital to scale

MindTune, founded by Peak Performance Strategist Marco Lopez, is known for action-based, results-driven methodology to propel entrepreneurs, executives, and high responsibility leaders to their highest potential. The company specializes in eliminating subconscious limitations that restrict performance and fulfillment. Through real time cognitive recalibration and practical decision discipline, MindTune supports high performers in unlocking focus, confidence, and peak performance under pressure.

Rock Solid Capital, a capital raising firm committed to disciplined investment strategy and long term value creation, brings financial expertise and investor alignment into the equation. By integrating MindTune’s mental performance framework into its own internal operations, Rock Solid is beginning with itself, refining its leadership, sharpening decision making, and strengthening execution before expanding these principles outward to investors and portfolio partners.

Why Now?

“We’ve been propelling unprecedented success throughout the world through our technology, and now we’re scaling to give this opportunity to millions more in the coming seasons,” said Marco Lopez, founder of MindTune.

Eric Zwigart, founder and CEO of Rock Solid Capital, went though MindTune’s program in 2025 while rebuilding his career after a major setback in 2021. Zwigart reports the program doubled his personal efficiency within 3 months while decreasing anxiety, deepening his purpose and increasing fulfillment.

Zwigart has now partnered with MindTune to accelerate its growth and impact in 2026 and beyond.

Businesses can explore mindset training and executive performance programs through MindTune at www.mindtunenow.com and learn more about Marco Lopez at www.marcolopez360.com. Investors interested in strategic capital partnerships can connect with Rock Solid Capital at www.rocksolidcap.com/

About Rock Solid Capital
Rock Solid Capital is a capital raising and investment strategy firm committed to disciplined execution, strategic alignment, and long term value creation. Through its alignment with Mindtune, the firm is integrating performance psychology into capital strategy to support sustainable growth.

About MindTune
MindTune is a peak performance company founded by Marco Lopez. Designed for entrepreneurs, executives, and high responsibility leaders, MindTune delivers individual and group programs focused on eliminating subconscious limitations and optimizing decision clarity in real time.

#HumanPerformance #PeakPerformance #Leadership #ExecutiveCoaching #MindsetMastery #BurnoutPrevention #CapitalStrategy #HighAchievers #2026Growth #MindTune #RockSolidCapital #PersonalDevelopment #BusinessGrowth

As interest continues to rise in non-invasive approaches that support circulation, recovery, detoxification, and skin related conditions, far infrared systems are increasingly being explored by practitioners ranging from chiropractors and integrative health professionals to wellness centers and recovery and performance-focused facilities.

“Over the years, I’ve seen many technologies introduced into the wellness space, but what stands out here is the consistency of real world use across both professional settings and individual adoption,” said Santella. “There is a growing awareness that this is not simply a trend, but a category of technology worth understanding more deeply.”

Far infrared energy, part of the natural light spectrum, is often described as a gentle, penetrating heat that interacts more directly with the body compared to traditional heating methods. This distinction has led to increased interest in its potential applications, particularly in areas related to circulation support, muscle recovery, and overall wellness.

In clinical settings, some practitioners are incorporating far infrared systems as part of patient care or recovery protocols, while others are recommending continued use at home to support consistency between visits. This dual application, both in-office and residential, has contributed to broader awareness and adoption.

According to Santella, the ability to bridge clinical use with homebased wellness is one of the factors contributing to growing interest in the category.

Santella added: “Practitioners are looking for ways to extend care beyond the office, and individuals are becoming more proactive about their own wellness and recovery.”

Long-term user reports have also noted durability and consistent use of certain systems over extended periods, with some units remaining in operation for more than a decade. This level of longevity is an important consideration for both practitioners and individuals evaluating available options.

Santella emphasizes that, as with any emerging area, understanding the distinctions between different technologies and applications is key.

“Not all systems are the same, and for practitioners especially, it’s important to evaluate how a technology aligns with their existing services and patient needs,” she said.

As awareness continues to grow, far infrared technology is becoming an area of interest for those seeking complementary approaches within both clinical and wellness frameworks.

For more information about far infrared wellness applications or to request a brief overview, contact:

Carol A. Santella
Founder, Far Infrared Wellness
Far Infrared Wellness Technology Advisor

Jeremy Lach discusses how scaling to an 8-figure annuity production without burning out 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-scaling-to-8-figure-annuity-production-without-burning-out/

In the dynamic landscape of business, particularly in sectors like financial services, the ability to scale operations effectively while maintaining a healthy work-life balance is paramount. As discussed in a recent episode of the podcast “Influential Entrepreneurs,” the journey to achieving significant production milestones—such as eight-figure annuity production—requires more than ambition and hard work; it requires the implementation of robust systems. The phrase “build systems to scale efficiently” encapsulates the essence of this strategy, highlighting the importance of operational infrastructure in achieving sustainable growth. 

Systems are the backbone of any successful business operation. They provide a structured approach to managing tasks, streamline processes, and enhance productivity, ultimately leading to better outcomes. In the context of scaling a business, particularly in the financial advisory sector, the right systems can mean the difference between thriving and merely surviving. As Jeremy Lach, president of Empire Marketing Partners, emphasizes, the goal is not just to increase production but to do so without sacrificing personal well-being and family time. 

The concept of systems can be distilled into the acronym S.Y.S.T.E.M., which stands for “Save Yourself Time, Energy, and Money.” This encapsulation serves as a reminder that effective systems are designed to optimize resources, allowing advisors to focus on what truly matters—building relationships with clients and growing their business. Without these systems in place, advisors may find themselves overwhelmed, struggling to keep up with increased demand, and ultimately at risk of burnout. 

To scale efficiently, financial advisors should consider implementing several key systems: 

1. Customer Relationship Management (CRM) Systems: A robust CRM is essential for managing client interactions and data. It allows advisors to track leads, manage follow-ups, and maintain client relationships effectively. Automation features within these systems can save time and reduce the manual workload, enabling advisors to focus on strategic growth. 
2. Appointment Scheduling Systems: Efficient scheduling systems can streamline the process of booking meetings with clients. By automating appointment scheduling, advisors can minimize the back-and-forth communication that often consumes valuable time, ensuring that they can dedicate more hours to productive activities. 
3. Defined Follow-Up Cadence: Establishing a clear follow-up process helps ensure that no leads fall through the cracks. A defined cadence for following up with clients and prospects can enhance engagement and increase conversion rates, contributing to overall growth. 
4. Operational Infrastructure: Beyond specific tools, a comprehensive operational infrastructure is vital. This includes processes for onboarding new clients, managing workflows, and ensuring compliance with regulatory requirements. A well-defined infrastructure supports scalability by providing a framework within which growth can occur without chaos. 
5. Performance Metrics and Analytics: Implementing systems to track performance metrics allows advisors to analyze their progress and make informed decisions. By regularly reviewing key performance indicators (KPIs), advisors can identify areas for improvement and adjust their strategies accordingly. 

Jeremy hightligts the ultimate goal of scaling a business should not come at the expense of personal well-being. Advisors often face the misconception that increased production requires exponentially more effort and time away from family. However, by building effective systems, advisors can create a more balanced approach to growth. This enables them to achieve their financial goals while still prioritizing their personal lives. 

The journey to eight-figure annuity production is undoubtedly challenging, but it is also attainable with the right mindset and systems in place. Advisors must first believe in their potential to scale and then take actionable steps to create the necessary infrastructure to support that growth. By doing so, they can enjoy the fruits of their labor without the accompanying stress and burnout. 

Jeremy shared: “You never should have to sacrifice those things that are really important to you. And the most important thing to you is family, that’s what our atmosphere is. That’s what our culture is. And we want to help provide those opportunities to you without having to sacrifice those things.” 

In conclusion, the phrase “build systems to scale efficiently” serves as a guiding principle for financial advisors aiming for significant growth. By implementing effective systems—ranging from CRM tools to defined follow-up processes—advisors can enhance their productivity, manage their time better, and ultimately achieve their goals without sacrificing their personal lives. As the podcast discussion illustrates, the path to success is not solely about hard work; it is about working smart and building a foundation that supports sustainable growth. Embracing this approach will not only lead to increased production but also foster a more fulfilling and balanced professional life. 

About Jeremy Lach 

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country.  His career began in retail financial services in 1999, shortly after graduating from St. John’s University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge and client strategy. 

In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of his career.  Since then, He has dedicated himself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline, and started his own firm, Empire Marketing Partners, in 2021. 

In today’s IMO world, support often comes *after* they’ve already proven themselves.  Empire was built to change that. 

Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy.  At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one. 

He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn’t transactional.  They operate like family, and their actions reflect that commitment every step of the way. 

Today, Jeremy focuses not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact. 

Learn more: http://www.empiremps.com/  

Recent News & Interviews:

• Jeremy Lach Discussed Why Top Annuity Producers Outgrow Big Box IMOs https://authoritypresswire.com/jeremy-lach-president-of-empire-marketing-partners-interviewed-on-the-influential-entrepreneurs-podcast-discussing-why-top-annuity-producers-outgrow-big-box-imos/
• Jeremy Lach Discussed going From Annuity Producer to Recognized Retirement Expert https://authoritypresswire.com/jeremy-lach-president-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-going-from-annuity-producer-to-recognized-retirement-expert/
• Jeremy Lach Discussed Building a Family-Centered High-Performance Advisor Community https://authoritypresswire.com/jeremy-lach-president-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-building-a-family-centered-high-performance-advisor-community/

Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals.  The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. 

Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public.  Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements.  Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. 

Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions. 

Jeremy Lach discusses building a family-centered, high-performance advisor community 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-building-a-family-centered-high-performance-advisor-community/

Jeremy shared his insights on what it means to create a family-centered, high-performance community. He emphasized that higher compensation is meaningless without collaboration and mentorship. At Empire, they focus on building a strong culture that fosters loyalty, shared standards, and sustainable growth.  Jeremy highlighted the importance of leadership accessibility, which ensures advisors are not just another cog in the wheel but are genuinely supported and invested in. 

In the competitive landscape of financial services, the importance of collaboration cannot be overstated. As highlighted in the recent podcast dialogue between Mike Saunders and Jeremy Lach, the synergy created through shared experiences, mentorship, and open communication significantly contributes to the success of individual advisors and their firms. The essence of collaboration lies not just in the act of sharing ideas but in fostering a culture that values collective growth, learning, and support. 

The podcast emphasizes the transformative power of collaboration through the example of advisor firms that are willing to share their successes and failures openly. By hosting events where experienced advisors disclose their processes and strategies, these firms create a platform for learning that shortens the learning curve for others. This collaborative environment allows advisors to leverage the experiences of their peers, thereby enhancing their own practices without having to navigate the complexities of the industry in isolation. The dialogue illustrates that when advisors come together to share insights, they not only improve their individual closing ratios and case designs but also cultivate a sense of community that is invaluable for long-term success. 

Moreover, the notion of constant and never-ending improvement, as articulated by Tony Robbins, resonates deeply within this collaborative framework. Advisors who adopt an abundance mindset—where they are willing to help others—find that their own processes are refined in the process. This reciprocal relationship fosters an ecosystem of generosity and support, where everyone involved stands to benefit. By sharing knowledge and strategies, advisors can collectively elevate their performance, leading to increased production and overall success. 

However, the podcast also addresses the challenges faced by advisors who may feel isolated or unsupported. In such situations, the culture of an organization becomes paramount. Advisors should seek environments where they have direct access to leadership and decision-makers. The ability to quickly reach out for strategic input or case design assistance is crucial. The podcast underscores that timely communication is a lifeline for advisors; delays can lead to missed opportunities and costly mistakes. Thus, organizations that prioritize swift and effective communication create an atmosphere where collaboration can thrive. 

Accessibility to leadership is another critical factor in fostering a collaborative culture. When advisors feel that they are more than just a number within an organization, they are more likely to engage and contribute to a collective mission. This accessibility encourages open dialogue, where advisors can seek guidance and share their challenges without hesitation. The result is a community that not only supports individual growth but also drives the success of the organization as a whole. 

In conclusion, the dialogue between Mike Saunders and Jeremy Lach serves as a powerful reminder that while compensation is an important consideration, it is the culture that ultimately drives success in the advisory space. A family-centered, high-performance community fosters collaboration, mentorship, and accessibility to leadership, all of which contribute to sustainable growth and deeper relationships. As the industry evolves, organizations that prioritize culture over compensation will not only attract top talent but also cultivate an environment where advisors can thrive and succeed together. By removing ego and embracing a collaborative spirit, the advisory community can achieve remarkable outcomes, benefiting both individual advisors and the organization as a whole. In this way, collaboration is not merely an operational strategy; it is the cornerstone of success in the advisory profession. 

Jeremy shared: “higher comp doesn’t mean anything if there really isn’t any support, culture is going to determine whether you’re just contracted with somebody, or you’re actually truly invested in by that firm.” 

About Jeremy Lach 

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country.  His career began in retail financial services in 1999, shortly after graduating from St. John’s University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge and client strategy. 

In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career.  Since then, He has dedicated himself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline. 

In today’s IMO world, support often comes *after* they’ve already proven themselves.  Empire was built to change that. 

Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy.  At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one. 

He is committed to proving that through superior service, experience, and consistency, they bring more value than anyone else in the space. This isn’t transactional.  They operate like family, and their actions reflect that commitment every step of the way. 

Today, Jeremy is focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact. 

Learn more: http://www.empiremps.com/  

Recent News & Interviews:

• Jeremy Lach Discussed Why Top Annuity Producers Outgrow Big Box IMOs https://authoritypresswire.com/jeremy-lach-president-of-empire-marketing-partners-interviewed-on-the-influential-entrepreneurs-podcast-discussing-why-top-annuity-producers-outgrow-big-box-imos/
• Jeremy Lach Discussed going From Annuity Producer to Recognized Retirement Expert https://authoritypresswire.com/jeremy-lach-president-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-going-from-annuity-producer-to-recognized-retirement-expert/

Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals.  The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice 

Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public.  Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements.  Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. 

Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions. 

An unexpected singer-songwriter who picked up his first stringed instrument at 54, on January 11, 2025—armed with raw poetry, a British Racing Green Telecaster, and a philosophy of radical slowness—is mounting a counterculture of meaning in a world drowning in digital perfection.

​PHILADELPHIA BORN / SOUTH JERSEY RAISED – In an era when AI is replacing authentic human connection and one can generate a flawless song, a perfect poem, or a polished performance in seconds, one artist is deliberately choosing the opposite direction. Austin James Haines – Writer, Musician, and Soul-Gardener – announces the Lo-Fi Emergence Tour: a series of intimate, soulful, and electrifying live experiences rooted in the philosophy of his growing movement – and brings with it something increasingly rare in modern entertainment: a human being, fully present, making music and meaning in real time while other humans connect face-to-face.

​You cannot stream what happens in this room.

​ONE UKULELE. ONE YES. ONE YEAR THAT CHANGED EVERYTHING.

Fourteen months ago, Haines had never learned a stringed instrument. He walked into a guitar store to support his brother – and on a quiet impulse, picked up a ukulele. Forty-five days later, he wrote his first song, The Feel Better Song. Today, he has 12 original songs, 3 published, and has traded that ukulele for a British Racing Green Fender Telecaster – bearing a hand-drawn dandelion on its pickguard, the same symbol gracing the cover of his forthcoming poetry collection, Seeds of Infinitude.

​This is not a career reinvention. It is something rarer—a complete life overhaul through a single small yes in an almost imperceptible moment. “A soft whisper in a guitar store, waiting for my brother. One small yes changed everything.” – Austin James Haines

​THE SOUND: POETRY, A GRAVESITE, AND A GUITAR BOUGHT TO PLAY 1 SONG

Growing up a few towns from where Walt Whitman lived, wrote, and is buried, Haines knew only the poet’s name until adulthood, when standing at Whitman’s grave site, he felt the full weight of what words could carry. Like Leonard Cohen – a poet who became a musician and never stopped being either – he brings words to music that were always meant to be heard, not just read.

​He bought his BRG Telecaster to play a Jeff Buckley-like version of Hallelujah. What emerged was something entirely his own – ethereal alternative folk where Soul Whisper carries the inner call, Lost, But Going Home holds the honest reckoning of the in-between, and Hitt’n the Road Again captures the quiet courage of a man who sold everything to follow a calling.

​Live performances move between profound stillness and eruptions of raw intensity. Silence and storm. Whisper and roar. And yes—sometimes a harmonica clips a microphone. A finger twitches on a string. A voice cracks. In the world of The Analog Rebellion, these are not mistakes. They are The Power of the Wrong Note – vulnerability over virtuosity and a heart beating in time. A quality Haines fears will become increasingly rare and sought after as AI proliferates and screen burnout deepens.

​THE LO-FI MANIFESTO: A DECLARATION OF IMPERFECT HUMANITY

In an age of algorithmic perfection, authentic imperfection is the most revolutionary act available to us:

• ​In the Room: Presence as Resistance. Music is not merely content. It is a one-time-only event that requires your physical presence to be complete. You cannot stream what happens in this room.

• ​On the Road: Travel’n Slow. Speed is the enemy of depth. We are building a counterculture to revive the soul—stillness, nature, and intentional living—one song, one poem, one story, one breath at a time.

​The full Lo-Fi Manifesto is available at austinjhaines.com.

​LO-FI EMERGENCE TOUR – MARCH 2026 | PHASE ONE

• ​Saturday, March 21 | 4:00-7:00 PM: goodbeet, Haddon Township, New Jersey

• ​Thursday, March 26 | 11:30 AM – 2:00 PM: Kingdom Business Luncheon, Keynote Speaker, Daytona Beach, Florida | Invite Required

• ​Friday, March 27 | 5:30-8:30 PM: Bliss Beach Cafe, Daytona Beach Shores, Florida

• ​Saturday, March 28 | 5:30-8:30 PM: Mythos Brew, Daytona Beach, Florida

​International waters and Texas are on the horizon to be announced at austinjhaines.com.

​ABOUT AUSTIN JAMES HAINES

Austin James Haines is a Writer, Musician, and Soul-Gardener – Philadelphia Born / South Jersey Raised. After 19 years in corporate sales, he made what he calls “The Jump” in 2019 – launching a life of creative purpose rooted in faith, nature, and the discipline of presence. He is the author of Flashpoint: Manifesting the Moment of Your Big Breakthrough and has written more than 75 original poems. A debut album and poetry collection set to arrive 11/11/2026.

​”The Analog Rebellion didn’t start with a battle cry, a swipe, or a scroll in an app. It started with small seeds—Seeds of Infinitude—the whisper behind a movement that is finding its way to the souls of those seeking deeper meaning.” The dandelion – hand-drawn in black by artist Annie Schibik, on the pickguard of the Telecaster – is the symbol of it all.

​The Analog Rebellion podcast is available now on Spotify, Apple Podcasts, and all major platforms.

​”In a world dominated by deep fakes and artificial living, we are choosing the glitch – the raw imperfections of being live and in the moment. This proves we are actually human. Someday, this may be all we have left.” – Austin James Haines

​MEDIA CONTACT

Austin James Haines

www.austinjhaines.com

austin@yourflashpoint.com | 856-313-9283

Music available on Spotify, Apple Music, iTunes & YouTube Music

​###

​

Many individuals dedicate significant time and energy to earning more, saving diligently, and investing consistently. However, one of the most critical elements of long-term financial success is often overlooked: strategic tax planning. 

Financial advisor Priscila Cosentino of Fern Prosperity is bringing attention to how taxes can quietly erode wealth over time when they are not properly incorporated into a broader financial strategy. While many people focus on growing their income and investment portfolios, failing to account for tax efficiency can significantly reduce the long-term value of those efforts. 

Tax planning is not simply about filing returns once a year—it is about making intentional financial decisions throughout the year that align with long-term financial goals. From investment structures to retirement withdrawals, every financial move has potential tax implications that can either preserve wealth or gradually diminish it. 

“I feel this topic is so important because many people work hard, save diligently, and invest consistently, yet they still lose significant wealth over time due to inefficient tax planning,” says Cosentino. “When tax strategy is integrated into financial planning, individuals gain more clarity, control, and confidence about their long-term financial future.” 

Cosentino emphasizes that tax strategy should be considered a core pillar of financial planning, alongside earning, saving, and investing. Without a thoughtful approach, individuals may unknowingly create unnecessary tax liabilities that compound over time and reduce the effectiveness of otherwise solid financial plans. 

By understanding how tax considerations influence investment decisions, retirement planning, and wealth preservation, individuals can make more informed choices that support long-term financial stability. 

Fern Prosperity works with individuals and families to help them integrate tax awareness into their broader financial strategy, empowering them to build more resilient financial plans that align with their goals. 

 About Pri Cosentino 

Priscila Cosentino is a Financial Advisor and Wealth Mentor with Fern Prosperity. She specializes in helping individuals and families align financial planning, tax awareness, and long-term wealth strategies. With a background in business administration, accounting, and neuroscience, she integrates analytical thinking with behavioral insight to guide clients toward smarter financial decisions. Priscila is passionate about financial education and empowering people to approach money with clarity, strategy, and purpose 

 Learn More: fernprosperity.com  

Investment advisory services are offered through Virtue Capital Management, LLC, a registered investment adviser. Fern Prosperity and Virtue Capital Management are independent of each other. 

This content is for informational and educational purposes only and should not be construed as investment, tax, or legal advice. Individuals should consult with qualified professionals regarding their specific financial situation. 

Jeremy Lach discusses insights on going from an annuity producer to recognized retirement expert 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-from-annuity-producer-to-recognized-retirement-expert/

In the world of financial advising, particularly in the realm of retirement planning, there exists a critical distinction between two types of professionals: those who focus on products and those who emphasize outcomes. This differentiation is not merely a matter of semantics; it fundamentally alters the client-advisor relationship, the perceived value of services rendered, and ultimately the success of financial strategies. The podcast featuring Jeremy Lach, president of Empire Marketing Partners, highlights this vital shift from a product-centric to an outcome-oriented approach, revealing how advisors can transform their practices and better serve their clients. 

At the core of this discussion is the recognition that many financial professionals fall into the trap of being perceived as mere product sales type. These “commodity sellers” often focus on the minutiae of financial products—rates, caps, bonuses—and engage clients in conversations that revolve around the technical details of annuities or other financial instruments. This approach can lead to a transactional relationship, where the advisor is viewed as just another salesperson in a crowded marketplace. In contrast, someone who may be a retirement income specialists take a markedly different approach. They prioritize discussions about the long-term outcomes their clients desire, such as financial security, peace of mind, and sustainable income throughout retirement. 

The importance of focusing on outcomes cannot be overstated. When advisors adopt an outcome-oriented mindset, they shift the conversation from the specifics of financial products to understanding the broader goals of their clients. This paradigm encourages advisors to ask probing questions and gain a comprehensive understanding of their clients’ financial situations, objectives, and concerns.  By doing so, they can tailor their recommendations to meet the unique needs of each client, thus creating a more personalized and effective financial strategy. 

One of the key benefits of this approach is the increased clarity it provides to clients. When clients understand the outcomes they are working towards—such as predictable income or protection against market volatility—they are more likely to remain calm during turbulent times. For instance, during periods of market instability, clients of income specialists are often reassured by their understanding of how their income is protected, as opposed to clients of commodity sellers, who may feel anxious and uncertain about their investments. This clarity not only fosters trust but also enhances the advisor-client relationship, positioning the advisor as a supportive partner rather than just a salesperson. 

Moreover, by focusing on outcomes rather than products, advisors can differentiate themselves in a competitive marketplace. In a world where financial products can often be easily compared and commoditized, the ability to articulate a clear value proposition based on outcomes allows advisors to stand out. Clients are more likely to engage with and remain loyal to advisors who help them envision a secure financial future, rather than those who simply present a range of products. 

The shift from a product-centric to an outcome-oriented approach also encourages advisors to think more holistically about their clients’ financial lives. This means considering not just the immediate financial needs, but also the long-term implications of their decisions. By collaborating with other professionals—such as legal and tax experts—advisors can create comprehensive retirement plans that address a wide range of factors affecting their clients’ financial well-being. This holistic approach reinforces the advisor’s role as a trusted expert, capable of guiding clients through the complexities of retirement planning. 

In conclusion, the podcast discussion with Jeremy Lach underscores a significant shift in financial advising: the move from a focus on products to a focus on outcomes. By prioritizing the desired results of their clients, advisors can foster deeper relationships, enhance clarity, and differentiate themselves in a competitive landscape. The transformation from a commodity seller to a recognized retirement income specialist not only benefits the advisor’s practice but, more importantly, empowers clients to achieve their financial goals with confidence and peace of mind. Ultimately, this outcome-oriented mindset is a powerful tool in the quest for financial security and success in retirement. 

Jeremy shared: “everyone can offer, any organization like mine can offer products, but we want to spend our time talking with advisors who like to talk about outcomes. And that is like predictable income, protecting lifestyle, things like that.  I’ve got some firms that we work with here at Empire that don’t even really use the word annuity.” 

About Jeremy Lach 

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country.  His career began in retail financial services in 1999, shortly after graduating from St. John’s University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, and client strategy. 

In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career.  Since then, He has dedicated himself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline. 

In today’s IMO world, support often comes *after* they’ve already proven themselves.  Empire was built to change that. 

Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy.  At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one. 

He is committed to proving that through superior service, experience, and consistency, they bring more value than anyone else in the space. This isn’t transactional.  They operate like family, and their actions reflect that commitment every step of the way. 

Today, Jeremy is focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact. 

 Learn more: http://www.empiremps.com/  

Recent News & Interviews:

• Jeremy Lach Discussed Why Top Annuity Producers Outgrow Big Box IMOs https://authoritypresswire.com/jeremy-lach-president-of-empire-marketing-partners-interviewed-on-the-influential-entrepreneurs-podcast-discussing-why-top-annuity-producers-outgrow-big-box-imos/

Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals.  The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. 

Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public.  Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements.  Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. 

Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions. 

Jeremy Lach discusses why top annuity producers outgrow big box IMOs 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-why-top-annuity-producers-outgrow-big-box-imos/

Discussed the common trajectory in the financial services industry where professionals start with larger firms to learn the ropes before venturing out on their own. Jeremy highlighted the hidden growth ceilings that advisors often encounter with big box IMOs, such as becoming just a production number and missing out on personalized support and growth opportunities. 

In the ever-evolving landscape of the financial services industry, many professionals begin their careers with aspirations of building a lasting legacy. For many, this journey starts with aligning themselves with established organizations, often referred to as Insurance Marketing Organizations (IMOs). While these IMOs can provide invaluable resources and support, they can also impose growth ceilings that may hinder an advisor’s potential. Recognizing these ceilings is crucial for advisors seeking to maximize their impact and achieve long-term success. 

IMOs serve as intermediaries between insurance carriers and independent agents. They offer a range of services, including training, marketing support, and access to a variety of products. For new advisors, joining an IMO can seem like a logical step; it provides a safety net and a structured environment in which to learn the intricacies of the industry. However, as many seasoned professionals, like Jeremy Lach, have discovered, these organizations can sometimes stifle growth and limit opportunities. 

Initially, the support and resources provided by an IMO can create a sense of stability. Advisors may feel that they have found a home where they can thrive. However, this sense of security can quickly morph into complacency. As Jeremy pointed out, many advisors may not realize they are stagnating until it’s too late. The metaphor of the “frog in boiling water” aptly illustrates this phenomenon; when the temperature rises slowly, the frog fails to jump out until it is too late. Similarly, advisors may overlook subtle signs of stagnation, leading to missed opportunities for growth. 

Recognizing growth ceilings within IMOs involves understanding the limitations that these organizations can impose. Here are several key indicators that advisors should be aware of: 

1. Limited Product Offerings: Some IMOs may primarily have exclusive agreements with specific carriers, which can restrict the range of products available to advisors. This limitation can hinder an advisor’s ability to meet diverse client needs and adapt to changing market conditions. 
2. Commission Structures: IMOs may impose commission limits that may not be favorable to all advisors. These structures can limit earning potential and create a sense of dependency on the organization. Advisors may find themselves working harder for less reward, leading to frustration and burnout. 
3. Lack of Autonomy: While IMOs provide support, they can also impose rigid guidelines and restrictions on how advisors operate. This lack of autonomy can stifle creativity and innovation, preventing advisors from developing their unique value propositions. 
4. Inadequate Support for Growth: As advisors progress in their careers, they may require more advanced training and resources to scale their businesses. However, not all IMOs offer the necessary support for growth, leaving advisors feeling unsupported and directionless. 
5. Cultural Misalignment: As advisors evolve, their values and goals may shift. If an IMO’s culture does not align with an advisor’s vision, it can lead to dissatisfaction and a sense of being trapped in a misaligned partnership. 

For advisors who recognize these growth ceilings, the next step is to consider alternatives. Transitioning to a more entrepreneurial environment can provide the freedom and resources necessary for growth. As Jeremy Lach did when he founded Empire Marketing Partners, taking the leap to establish one’s own firm can lead to greater autonomy and the ability to create a lasting legacy. 

In conclusion, while IMOs can offer valuable support and resources for new advisors, they can also impose growth ceilings that hinder long-term success.  By recognizing the signs of stagnation and understanding the limitations of these organizations, advisors can take proactive steps to break free from constraints and pursue their own entrepreneurial aspirations. The journey from acting like an employee to a business owner may be challenging at first, but it can also be immensely rewarding for those willing to embrace the risks and opportunities that come with it. Ultimately, the key to success lies in recognizing the potential for growth and taking the necessary steps to achieve it. 

Jeremy shared: “there’s a lot of people that do what we do, but yet it’s such a small industry and there’s a lot of wonderful you know, large-scale IMOs. The larger a firm gets, advisors, they kind of become more of a production number. I mean, not really a partner. That’s when the focus is mainly on your volume and not really your personal growth” 

About Jeremy Lach 

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country.  His career began in retail financial services in 1999, shortly after graduating from St. John’s University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, and client strategy. 

In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of his career.  Since then, he has dedicated himself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline. 

In today’s IMO world, support often comes *after* they’ve already proven themselves.  Empire was built to change that. 

Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy.  At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one. 

He is committed to proving that through superior service, experience, and consistency, they bring more value than anyone else in the space. This isn’t transactional.  They operate like family, and their actions reflect that commitment every step of the way. 

Today, Jeremy is focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact. 

Learn more: http://www.empiremps.com/  

Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals.  The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. 

Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public.  Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements.  Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. 

Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions. 

Book Launch: 20th March 2025

​As burnout and anxiety reach crisis levels among high achievers, multi-award-winning therapist and clinical hypnotherapist Louise Slattery is challenging one of the most deeply held assumptions in personal development: that mindset is the problem. Her answer is structure.

​With the launch of her debut book, The Spider Mind, on the 20th of March, Slattery introduces a new psychological framework she calls mental architecture, a model that reveals how subconscious emotional imprinting quietly shapes confidence, behaviour, income ceilings, leadership capacity and resilience. The result, she argues, is an invisible web of patterning that no amount of positive thinking or motivational strategy can permanently dissolve.

​”You cannot outperform the structure of your subconscious,” says Slattery. “Most people are trying to change their results without ever examining the architecture producing them.”

​The Spider Mind draws on Slattery’s years of clinical experience working with high-achieving individuals who were outwardly successful yet internally stuck. Trained as a clinical hypnotherapist and as a Mindvalley coach, Slattery observed a pattern that traditional therapy and performance coaching both failed to address.

​Therapy asks: What happened to you? Performance coaching asks: What do you want to achieve? The Spider Mind asks a different question entirely: What structure are you currently operating within?

​The book explains how thoughts, internal imagery and emotionally charged experiences weave together over time to form powerful subconscious patterns. These patterns, Slattery argues, become identity. Identity becomes behaviour. Behaviour becomes results. Until the underlying structure is understood and consciously redesigned, lasting transformation remains out of reach.

​Slattery’s work sits at a significant cultural intersection. In an era defined by rising burnout, performance pressure and the growing demand for psychological depth in leadership, The Spider Mind positions itself as the missing link between mental health and sustainable success. It is a book for entrepreneurs, senior leaders, professionals, women in leadership and anyone who has found that ambition alone is not enough.

​”This is not about becoming better,” Slattery explains. “It is about becoming the architect of your own mental structure.”

​Slattery is also the founder of Musketeers Charity, which provides free therapy to schools and families, with profits from her business reinvested into community mental health support.

​The Spider Mind is published on the 20th of March and is available here: Amazon

​For media enquiries, interview requests or speaking engagement bookings, please contact Louise Slattery directly via her website.

​About Louise Slattery

​Louise Slattery is a multi-award-winning therapist, clinical hypnotherapist and Mindvalley coach known as The MindLady. She is the creator of The Spider Mind, a psychological model bridging therapy and elite performance. Louise works with ambitious individuals and organisations to rewire the subconscious structures shaping identity, confidence and results. She is also the founder of Musketeers Charity, providing free therapy to schools and families.

​www.louiseslatterycoaching.com

​

With key provisions of the federal SECURE Act 2.0 now taking effect, a local fiduciary advisor is encouraging business owners to review and benchmark their 401(k) retirement plans to ensure they remain competitive, compliant, and cost-effective.

More than 70 million Americans participate in employer-sponsored retirement plans such as 401(k)s, making them the primary retirement savings vehicle for most workers. However, many employers have not formally reviewed or benchmarked their retirement plan in several years — potentially exposing their companies to unnecessary costs and fiduciary risk.

SECURE Act 2.0 introduces a range of new provisions designed to enhance retirement readiness, expand access, and provide additional planning flexibility for employers and employees alike. These updates create a timely opportunity for companies of all sizes — from small businesses with only a few employees to larger organizations with hundreds of participants — to reassess their current retirement plan structure.

Owen Shared: “I feel this topic is so important because many employers set up a 401(k) plan years ago and assume it’s still competitive,” a local fiduciary advisor. “With the changes introduced by SECURE Act 2.0, this is the perfect time for companies to review their plan, understand their fiduciary responsibilities, and make sure they are providing the best possible retirement benefit for their employees.”

Why Benchmarking Matters
Periodic benchmarking allows employers to:

• Review Plan Fees: Evaluate administrative, investment, and advisory costs to ensure they are reasonable compared to similar plans in the marketplace.
•  Assess Fiduciary Structure: Confirm that fiduciary responsibilities are clearly defined and properly documented to reduce potential liability.
• Evaluate Investment Lineup: Ensure the plan offers a diversified, competitive range of investment options that align with participants’ retirement goals.
• Enhance Employee Benefits: Identify new features made available under SECURE Act 2.0 that may increase participation and improve retirement outcomes.

Under ERISA guidelines, employers sponsoring a 401(k) plan have an ongoing fiduciary duty to act in the best interest of plan participants. Regular reviews and benchmarking demonstrate prudent oversight and can significantly reduce the likelihood of compliance issues or costly litigation.

Opportunities Under SECURE Act 2.0
The legislation includes provisions that may benefit employers, such as enhanced tax credits for small businesses establishing plans, expanded automatic enrollment options, and increased catch-up contributions for certain employees. Companies that proactively evaluate these changes may discover opportunities to improve plan participation, employee satisfaction, and long-term workforce retention.
“Employers work hard to build strong teams,” Owen added. “A well-structured, competitive retirement plan is one of the most meaningful benefits they can offer. Taking the time to benchmark a 401(k) plan isn’t just about compliance — it’s about strengthening your business and supporting your employees’ future.”

Local business owners interested in reviewing their 401(k) plan or learning more about
benchmarking under SECURE Act 2.0 are encouraged to consult with a qualified fiduciary advisor.

About Owen Edwards
Owen Edwards, Certified Financial Fiduciary®, is an Investment Adviser Representative of Royal Fund Management, an SEC-registered Registered Investment Advisor. He proudly serves individuals, families, and business owners throughout Northeastern Pennsylvania and nationwide.

Beginning his 30th year, Edwards is known for his educational, client-first approach and his dedication to helping families gain the clarity and confidence they need to make informed financial decisions.

Learn More: https://royalfundmanagement.com/

Owen Edwards is an Investment Adviser Representative of and investment services offered through Royal Fund Management, LLC, an SEC Registered Adviser. 401(k) Maneuver is another business name for Royal Fund Management, LLC. Royal Fund Management LLC only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that
the adviser has attained a particular level of skill or ability. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s investment portfolio. There are no assurances that a client’s
portfolio will match or outperform any particular benchmark. Insurance product guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products only. Royal Fund Management and Owen Edwards are not engaged in the practice of law or accounting and any advice provided should not be construed as legal or accounting advice. The information discussed and presented herein is intended to serve as a basis for further
discussion with your financial, legal, tax and/or accounting advisors. It is not a substitute for competent advice from these advisors. Content was prepared by a third-party, unaffiliated provider and is not the product of the adviser or Royal Fund Management LLC, and should not be regarded as a complete analysis of the subjects discussed. Language used by the third-party that appears promissory should be considered as mere marketing hype or hyperbole and the reader is reminded that there can be no guarantees or assurances or any particular outcome. Although we believe the content is reliable, it is not guaranteed as to accuracy and is not intended to be the primary basis for investment decisions. All expressions of opinion reflect the judgment of the author as of the date of publication and are subject to change. All information and ideas should be discussed in detail with your Investment Adviser Representative prior to implementation.

Owen Edwards discusses the retirement tax trap 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-owen-edwards-with-edwards-investments-discussing-the-retirement-tax-trap/

Owen highlights the importance of understanding required minimum distributions (RMDs), which the government mandates at certain ages, forcing withdrawals from retirement accounts. He emphasizes the need for a strategic approach to manage these withdrawals effectively to minimize tax exposure. 

In the realm of personal finance and retirement planning, the phrase “tax-deferred isn’t tax-free” encapsulates a critical misunderstanding that many individuals have regarding their retirement savings. As discussed in a recent podcast featuring Owen Edwards, an authority on investment strategies, this concept is pivotal for anyone looking to secure their financial future. The allure of tax-deferred accounts, such as 401(k)s and traditional IRAs, often leads individuals to overlook the implications of taxes on their retirement income, creating what Edwards refers to as the “retirement tax trap.” 

Tax-deferred accounts allow individuals to contribute pre-tax income, which can lead to immediate tax savings. This setup is appealing; it encourages consistent saving and investment growth without the immediate burden of taxation. However, the crux of the issue lies in the understanding that while the contributions and earnings grow tax-deferred, they are not tax-free. When individuals reach retirement age and begin to withdraw funds from these accounts, every dollar taken out is taxed as ordinary income. This reality can catch many retirees off guard, especially those who have built their financial plans based on the assumption that their tax burden would diminish in retirement. 

One common misconception is the belief that retirees will automatically find themselves in a lower tax bracket once they stop working. While this may hold true for some, it is not a universal rule. Factors such as Social Security income, pension payments, and required minimum distributions (RMDs) from tax-deferred accounts can push retirees into higher tax brackets. As Edwards points out, the government dictates the amount that must be withdrawn from these accounts once individuals reach a certain age, regardless of whether they need the funds or not. This can lead to unintended tax consequences, making it crucial for retirees to plan not just for accumulation but also for effective withdrawal strategies. 

The Broader Implications of Tax Policy 

The uncertainty surrounding future tax rates adds another layer of complexity to retirement planning. As discussed in the podcast, the national debt is significant, and government obligations are growing. The potential for tax increases to address these fiscal challenges is a reality that retirees must consider. Historical trends show that while taxes may seem high at times, they are relatively low compared to previous decades. With constant changes in tax laws and policies, individuals cannot rely on the assumption that tax rates will remain stable or decrease in the coming years. 

Planning for the Withdrawal Phase 

The key takeaway from this discussion is the need for proactive planning when it comes to withdrawing funds from retirement accounts. Many individuals focus solely on accumulating wealth, neglecting the equally important phase of decumulation. Effective withdrawal strategies can help mitigate tax liabilities and maximize retirement income. This involves understanding the tax implications of different income sources and strategically timing withdrawals to minimize exposure to higher tax brackets. 

In conclusion, the phrase “tax-deferred isn’t tax-free” serves as a reminder of the importance of comprehensive retirement planning. By recognizing the potential pitfalls of tax-deferred accounts and understanding the dynamics of taxation in retirement, individuals can better prepare for a financially secure future. It is essential to approach retirement with a holistic view that encompasses both accumulation and withdrawal strategies, ensuring that one’s hard-earned savings are protected from unexpected tax burdens. As the podcast highlights, planning for retirement is not just about building a nest egg; it is equally about how to navigate the complexities of withdrawing from that nest egg in the most tax-efficient manner possible. 

Owen shared: “When we talk about the retirement tax trap, I’m referring to something, it’s very simple, but very misunderstood. Most Americans have saved the majority of their retirement money in pre-tax accounts, like 401ks, traditional IRAs, maybe a rollover from a previous employer. And those accounts are powerful tools.” 

About Owen Edwards 

Owen Edwards was born and raised in Northeastern Pennsylvania, where he continues to live and serve his community through his financial advisory practice. With nearly 30 years of experience, he is dedicated to empowering individuals and families to achieve financial freedom through education—bringing clarity to complex choices and guiding them toward confident, informed decisions. Owen is a Certified Financial Fiduciary® and holds a Certificate in Financial Planning from Boston University. 

Learn more: https://edwardsinvestments.com/ 

Recent News & Interviews:

• Owen Edwards Discusses Building a Reliable Retirement Income Plan https://authoritypresswire.com/owen-edwards-founder-of-edwards-investments-interviewed-on-the-influential-entrepreneurs-podcast-discussing-building-a-reliable-retirement-income-plan/
• Owen Edwards Discusses Gaining Confidence in Your Financial Future https://authoritypresswire.com/owen-edwards-founder-of-edwards-investments-interviewed-on-the-influential-entrepreneurs-podcast-discussing-gaining-confidence-for-the-financial-future/
• Owen Edwards Discusses Overcoming Fears and Achieving Financial Peace of Mind https://authoritypresswire.com/owen-edwards-founder-of-edwards-investments-interviewed-on-the-influential-entrepreneurs-podcast-discussing-overcoming-fears-and-achieving-financial-peace-of-mind/

Advisory services are offered through Royal Fund Management, LLC,  Royal Fund Management LLC is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.  Insurance products offered through Edwards investments LLC.  Insurance guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products. 

Roma Pithadiya, President and CEO of Affordable Insurance and Financial Services (AIFS), was recently featured on FOX’s The Morning Blend, where she shared practical insights on helping families build financial security through strategic insurance planning, retirement preparation, and long-term wealth protection. 

As a respected financial professional serving clients across Texas and beyond, Pithadiya has built her practice around one central philosophy: financial security begins with education and informed decision-making. During the interview, she explained how individuals and families can take proactive steps today to safeguard their health, income, and financial futures. 

“Many people delay financial planning because it feels overwhelming,” Pithadiya shared during the interview. “But when clients understand their options—whether it’s health coverage, life protection, or retirement strategies—they gain confidence and clarity. My mission is to help people protect what they’ve worked so hard to build.” 

Her own powerful personal journey shapes Pithadiya’s perspective. After immigrating to the United States with limited resources, she built her career from the ground up. Eventually, she founded a thriving advisory firm dedicated to helping others achieve financial stability and protection. Her story has earned her recognition as a “Million Dollar Immigrant,” reflecting her transformation from virtually nothing to a successful entrepreneur and trusted financial advocate.  

About Roma Pithadiya 

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.    

Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.    

She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.    

In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).    

Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.    

 Learn more: https://aifsgroupbyroma.com/  

Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state

New SaaS Platform Transforms Proprietary Know-How into Structured SOPs in a Fraction of the Time — Cutting Development Costs by Up to 50%

​Manual Magic AI® (manualmagic.ai), the purpose-built SaaS platform for creating and maintaining Standard Operating Procedures and Operations Manuals, today announced its global launch with a focused rollout across the United States. Designed specifically for franchisors, other multi-site operators, and ambitious SMEs, Manual Magic AI® converts a business’s own Intellectual Property into structured, brand-accurate SOP drafts — reducing manual creation time by up to 75% and halving the cost of development.

​The platform was founded by Penny Hopkinson, widely recognized as one of the franchising world’s foremost authorities on operations manuals and business systems. A Companion of the British Franchise Association and author of Manual Magic: Create the Operations Manual Your Franchisees Need to Succeed (Rethink Press, 2023), Hopkinson has spent four decades helping organizations ranging from solopreneurs to iconic brands including Costa Coffee, Premier Inn, and the AA Driving School build the operational infrastructure needed to scale consistently and confidently.

​”Many franchisors face a blank page, a file of mixed assets, or current content that is difficult to find, which can lead to misinterpretation,” said Penny Hopkinson, Founder and CEO of Manual Magic AI Limited. “Manual Magic AI® provides a quick start by handling the heavy lifting, so that content experts can amplify their expertise.”

​Turning the “Blank Page” Problem into a Competitive Advantage

​For most growing businesses, building an operations manual is one of the most important — and most avoided — tasks in the organization. Traditional approaches require extensive writing, manual structuring, and costly consultant time. Generic SOP tools still leave teams to do the hardest work themselves.

​Manual Magic AI® changes this equation entirely. Users simply supply their existing IP — documents, process notes, guidance materials, and institutional know-how. The platform’s AI engine generates a substantial initial draft and organizes the content into six clearly defined operational categories. From there, subject matter experts use their judgment to review, refine, gap-check, and approve every SOP before it is published — ensuring accuracy, brand integrity, and compliance remain firmly in human hands.

​A Project Board tracks each piece of content from Draft through to Publish, and a Dashboard monitors the progress of the entire Operations Manual across every contributor and every stage of the development cycle. The result is not just a document, but a living, searchable knowledge system that grows with the business.

​”Manual Magic AI® is a real innovation for franchising,” said Pip Wilkins, CEO of the British Franchise Association. “This ‘done with you, done by you’ platform takes the overwhelm out of building an Operations Manual by using Penny’s proven three-step system. It organizes your SOPs in minutes, and you end up with a living, searchable manual that protects your IP, drives compliance, and helps franchisees hit the ground running.”

​Proven in the Field Before It Launched

​In May 2025, Hopkinson worked with Wesley Williams, then Operations Manager at Heavenly Desserts — a network of over 65 restaurants operating primarily across the UK with international expansion underway — to test an early prototype. Williams identified three real operational challenges: insufficient upselling by customer service staff, limited understanding of the loyalty card program, and inconsistent takeaway packaging. Using existing IP uploaded to the prototype, the system conducted a gap analysis and produced three complete SOPs with implementation timelines, brand-accurate visuals, and infographics in brand colors.

​”The content is great, the language is simple, and the visuals work and flow nicely. For the prototype stage, simply put, this is awesome,” said Williams at the time. Now serving as Global Franchise Manager at Heavenly Desserts, Williams offered his assessment following the platform’s launch: “This is the first solution I’ve seen that bridges this gap seamlessly. It transforms operational manuals into digestible, actionable workflows that teams can easily follow — without compromising the depth or detail that compliance and quality require. I have no doubt this will become the go-to platform for operators serious about sustainable, global growth.”

​The response from early subscribers has been equally enthusiastic. Paul Needham of Sky High Window Cleaning described his experience using the platform: “I’ve honestly been craving something like this for a long time. The manual I’ve been working on has felt boring and draining — I hated doing it, even though I knew how important it was. But this new AI version feels completely different. It’s powerful, exciting, and actually energizing to build. With the size of our network and a new owner/manager coming on board, I know this is something they’re going to really value. I can’t seem to pull myself away once I start — it’s that good.”

​Built by Operators, for Operators

​The platform was developed in partnership with Jonathan Farrar, award-winning developer and Founder of Pixebyte, whose collaborative approach to product development helped translate Hopkinson’s four decades of operational methodology into scalable software. Unlike agencies focused purely on technical delivery, Pixebyte works alongside entrepreneurs to achieve business outcomes — a philosophy that is reflected throughout the Manual Magic AI® experience.

​Responsible AI at the Heart of the Platform

​As organizations across every sector accelerate their adoption of AI, questions around accuracy, brand consistency, and IP security have become urgent business concerns. Manual Magic AI® is designed to address these concerns directly. The platform uses AI as a force multiplier — handling the structural and drafting work that slows teams down — while keeping human expertise, judgment, and approval at the center of every published SOP. Businesses retain full control of their IP at all times.

​This approach positions Manual Magic AI® at the intersection of operational excellence, franchising, and practical AI — a combination that has drawn significant early interest from US franchisors and multi-site operators ahead of the official launch.

​Availability and Pricing

​Manual Magic AI® is available globally as of February 17, 2026. To mark the US launch, new users receive a complimentary digital copy of Manual Magic: Create the Operations Manual Your Franchisees Need to Succeed, along with an invitation to join the Skool Community, a growing knowledge-sharing ecosystem that gives members a voice in shaping the platform’s future development.

​Contributor Seats, which include full editing rights, are priced at £199.00 per contributor per month (excluding taxes). Read-Only Seats for non-editing users are available at £5.00 per outlet per month (excluding taxes).

​A full launch replay with chapters and a complete product demonstration is available at https://youtu.be/g1DI3CTz9qg?si=Sit7TQxz5Oq2XfuX

​To learn more, request a demo, or explore the platform, visit manualmagic.ai.

​About Manual Magic AI®

​Manual Magic AI® is a SaaS platform purpose-built for franchisors, multi-site operators, and growing SMEs that need to create, maintain, and scale their Standard Operating Procedures and Operations Manuals. Founded in 2025 by Penny Hopkinson — author, franchise operations expert, and Companion of the British Franchise Association — the platform combines 40 years of operational methodology with practical AI to help organizations convert their own Intellectual Property into structured, brand-accurate operational guidance more quickly, affordably, and consistently than ever before. manualmagic.ai

​Media Contact:

​Penny Hopkinson, Founder and CEO

penny@manualmagic.ai

+44 7956 315750

​# # #

Her work focuses on identifying the real expertise, credibility, and client impact professionals have already earned, and transforming those strengths into clear positioning assets that help them stand out in their market.

“Most exceptional professionals don’t struggle because they lack expertise,” Santella explained. “They struggle because the true value of what they do has never been clearly articulated or recognized. My role is to uncover that distinction and help them communicate it in a way that makes them the obvious choice.”

Over the years, Santella’s approach has helped attorneys, physicians, consultants, and business leaders clarify their authority and establish a reputation that attracts trust and recognition within their industries.

Her method focuses on listening deeply to a professional’s work, experience, and client outcomes to identify the defining qualities that make their expertise unique. Once those distinctions are identified, they can be developed into positioning assets that elevate the professional’s credibility and visibility in their field.

“Every professional who has spent years serving clients well already possesses the foundation of authority,” Santella said. “The challenge is that those qualities often remain invisible unless someone takes the time to identify and articulate them clearly.”

Today, Santella continues this work while also expanding her focus to address how professional authority is discovered in the modern digital landscape.

She is a founder of Authority Lion, a firm created to help professional service businesses become the experts that AI platforms confidently recommend. The company combines Santella’s credibility and authority positioning expertise with Ed Harder’s AI visibility infrastructure, helping professionals ensure their expertise is both trusted and discoverable in AI-driven search environments.

“Visibility alone is not enough,” Santella noted. “Professionals must first establish why they deserve to be chosen. When that credibility is clear, the systems that surface expertise,  whether human referrals or AI platforms, can recognize and recommend them with confidence.”

Through her continued work in publishing, professional recognition, and authority positioning, Santella remains committed to helping professionals ensure the value of their work is not only delivered, but clearly understood.

Caitlin Wedgwood discusses the importance of  tax preparation services 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-caitlin-wedgewood-partner-with-knoll-company-p-c-discussing-tax-preparationservices/

In today’s fast-paced and ever-evolving economic landscape, the importance of effective tax management cannot be overstated. Many individuals and businesses view tax preparation as a daunting task, often characterized by anxiety and confusion. However, the emergence of tech-driven solutions is transforming the traditional approach to tax preparation into a more streamlined and personalized experience. This essay explores the concept of tech-driven, personalized tax optimization, highlighting its significance and the advantages it brings to taxpayers. 

Before delving into the benefits of tech-driven tax optimization, it is essential to differentiate between tax preparation and tax planning. Tax preparation is the process of gathering financial information and filing tax returns, often viewed as a reactive measure taken once a year. In contrast, tax planning is a proactive strategy that involves analyzing financial situations throughout the year to minimize tax liabilities and maximize benefits. This distinction is crucial, as effective tax optimization requires a blend of both preparation and planning. 

The integration of technology into tax preparation services is revolutionizing the industry. Firms like Knoll & Company P.C are leading the charge by utilizing advanced platforms that enhance efficiency and client experience. For instance, the use of document storage systems enables clients to upload their tax documents securely and conveniently from anywhere in the world. This paper-free approach not only reduces clutter but also streamlines communication between clients and tax professionals. 

Moreover, technology facilitates the signing of engagement letters and tax returns electronically, eliminating the need for in-person meetings. This flexibility is particularly beneficial for busy individuals and business owners who may struggle to find time to visit an office. By embracing technology, tax firms can provide a more personalized service that caters to the unique needs of each client. 

Personalized Tax Strategies

A key differentiator in tech-driven tax optimization is the focus on personalized tax strategies. Tax professionals who are well-versed in the latest tax laws and credits can offer tailored advice that aligns with their clients’ financial situations. For example, the introduction of new tax credits, such as the Trump Savings Account for newborns, requires tax professionals to stay informed and proactive. By identifying opportunities for clients to take advantage of these credits, firms can significantly enhance their clients’ financial well-being. 

Furthermore, firms that offer complementary services, such as bookkeeping and payroll, can provide ongoing analysis throughout the year. This continuous engagement allows tax professionals to assess clients’ financial health regularly, making timely recommendations that can lead to substantial tax savings. For instance, they can advise on increasing an owner’s payroll or making strategic equipment purchases based on current tax laws and financial forecasts. This level of personalized attention is often lacking in traditional tax preparation services, where the focus is primarily on annual filing rather than year-round optimization. 

The Importance of Expertise 

While technology plays a vital role in modern tax optimization, the expertise of tax professionals remains irreplaceable. The complexity of the tax code, which spans tens of thousands of pages, can be overwhelming for business owners and individuals alike. Having a dedicated team of professionals who specialize in tax laws and regulations ensures that clients receive accurate and beneficial advice. Firms like Knoll & Company P.C invest time in continuous education to stay up-to-date with tax changes, enabling them to provide informed guidance that maximizes their clients’ benefits. 

In conclusion, the integration of technology into tax preparation services is reshaping the landscape of tax optimization. By focusing on tech-driven solutions and personalized strategies, firms can provide clients with a comprehensive approach that goes beyond mere compliance. The distinction between tax preparation and tax planning is critical, as it underscores the need for proactive engagement in managing tax liabilities. As taxpayers increasingly seek efficient and personalized services, the future of tax preparation lies in the hands of those who embrace technology while maintaining a strong foundation of expertise. In this new era, tech-driven, personalized tax optimization stands as a beacon of hope for individuals and businesses striving to navigate the complexities of the tax system effectively. 

Caitlin shared: “We are really passionate, not only about people understanding their taxes, but also helping people optimize.” 

About Caitlin Wedgwood 

With over a decade of hands-on experience in bookkeeping and eight years specializing in tax preparation, Caitlin brings a strong foundation of financial expertise and reliability to our team. Holding an accounting degree and currently working toward CPA licensure, Caitlin is dedicated to providing accurate, timely, and client-focused support to small businesses and individuals. 

Learn more: https://www.knollcpa.com/  

Recent News & Interviews:

• Laura Kelly Discussed Bookkeeping Strategies https://authoritypresswire.com/laura-kelly-partner-with-knoll-company-pc-interviewed-on-the-influential-entrepreneurs-podcast-discussing-bookkeeping-strategies/
• Caitlin Wedgwood Discussed Transition at the Firm https://authoritypresswire.com/caitlin-wedgwood-partner-with-knoll-company-p-c-interviewed-on-the-influential-entrepreneurs-podcast-discussing-transition-at-the-firm/

The information provided in this content is for general informational purposes only and should not be construed as personalized financial, tax, or legal advice. While every effort has been made to ensure accuracy, laws and regulations frequently change and may vary depending on individual circumstances. Please consult a qualified financial, tax, or legal professional for advice specific to your needs before making any decisions. Knoll & Company P.C. and its representatives do not provide legal advice. All services are provided in accordance with applicable professional standards and ethical requirements. 

Caitlin Wedgwood discusses the transition at the firm 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-caitlin-wedgewood-partner-with-knoll-company-p-c-discussing-transition-at-the-firm/

Caitlin shared her unique journey into the financial services industry, influenced by her mother’s long career as a CPA, and her eventual discovery of her own passion for accounting. 

In an ever-evolving world, the ability to adapt and embrace change is crucial for both individuals and organizations. The podcast conversation featuring Caitlin Wedgwood of Knoll & Company P.C illustrates how embracing change can lead to lasting growth and success. Through her personal journey and the firm’s transition, we see that change is not only inevitable but also an opportunity for innovation and improvement. 

Caitlin’s story is a testament to the importance of finding passion in one’s work. Despite her initial resistance to following in her mother’s footsteps as a CPA, she discovered her aptitude for accounting during her college years. This realization highlights a fundamental truth: sometimes, the paths we resist the most can lead us to fulfillment and success. By embracing her skills and interests, Caitlin positioned herself for a rewarding career in financial services. This personal transformation underscores the idea that embracing change—whether in career direction or personal growth—can yield positive outcomes. 

Transition within organizations, as discussed in the podcast, is another critical aspect of growth. Knoll & Company P.C, established nearly half a century ago, is undergoing a significant transition as it prepares for the eventual retirement of its Managing Partner, Lee Knoll Jr. This transition is not merely a change in leadership; it represents a strategic shift towards modernization and adaptation in a competitive industry. By planning for Lee’s gradual step back from management and introducing new leadership in Caitlin and Laura Kelly, the firm demonstrates a proactive approach to change. This foresight ensures that the organization will not stagnate but will instead evolve to meet the needs of its clients and the market. 

The discussion also highlights the importance of delegation and empowerment within a transitioning organization. Caitlin’s new role, along with Laura’s leadership in bookkeeping, illustrates how distributing responsibilities can lead to a more dynamic and responsive organization. This delegation not only fosters a sense of ownership among team members but also allows the firm to harness diverse talents and perspectives. By recognizing the strengths of its team and allowing them to take on leadership roles, Knoll & Company P.C is positioning itself for future success. 

Furthermore, the podcast emphasizes the significance of staying cutting-edge in a rapidly changing environment. Caitlin mentions the firm’s commitment to ensuring that they are not “stuck in the past.” This mindset is essential for any organization that seeks to thrive in today’s fast-paced world. By fostering a culture of innovation and continuous improvement, firms can adapt to changing market demands, technological advancements, and evolving client expectations. Embracing change becomes a catalyst for growth, allowing organizations to remain relevant and competitive. 

In conclusion, the podcast featuring Caitlin Wedgwood serves as a powerful reminder of the importance of embracing change for lasting growth. Whether through personal career decisions or organizational transitions, the willingness to adapt and innovate is essential for success. Knoll & Company P.C’s approach to leadership transition showcases how strategic planning and empowerment can lead to a dynamic and resilient organization. As we navigate an increasingly complex world, the ability to embrace change will remain a key driver of growth, both personally and professionally. By adopting this mindset, individuals and organizations alike can unlock new opportunities and achieve lasting success. 

Caitlin shared: “If anything, we specialize in small businesses. We really understand the mom and pop or the contractor that’s out there doing the manual labor and don’t have time for the books.” 

About Caitlin Wedgwood 

With over a decade of hands-on experience in bookkeeping and eight years specializing in tax preparation, Caitlin brings a strong foundation of financial expertise and reliability to our team. Holding an accounting degree and currently working toward CPA licensure, Caitlin is dedicated to providing accurate, timely, and client-focused support to small businesses and individuals. 

 Learn more: https://www.knollcpa.com/  

Recent News & Interviews:

• Laura Kelly Discussed Bookkeeping Strategies https://authoritypresswire.com/laura-kelly-partner-with-knoll-company-pc-interviewed-on-the-influential-entrepreneurs-podcast-discussing-bookkeeping-strategies/

The information provided in this content is for general informational purposes only and should not be construed as personalized financial, tax, or legal advice. While every effort has been made to ensure accuracy, laws and regulations frequently change and may vary depending on individual circumstances. Please consult a qualified financial, tax, or legal professional for advice specific to your needs before making any decisions. Knoll & Company P.C. and its representatives do not provide legal advice. All services are provided in accordance with applicable professional standards and ethical requirements. 

Sharing Strategies for Financial Protection and Long-Term Security 

Roma Pithadiya, President and CEO of Affordable Insurance and Financial Services (AIFS), was recently featured on FOX’s The Morning Blend, where she shared practical insights on helping families build financial security through strategic insurance planning, retirement preparation, and long-term wealth protection. 

As a respected financial professional serving clients across Texas and beyond, Pithadiya has built her practice around one central philosophy: financial security begins with education and informed decision-making. During the interview, she explained how individuals and families can take proactive steps today to safeguard their health, income, and financial futures. 

“Many people delay financial planning because it feels overwhelming,” Pithadiya shared during the interview. “But when clients understand their options—whether it’s health coverage, life protection, or retirement strategies—they gain confidence and clarity. My mission is to help people protect what they’ve worked so hard to build.” 

Her own powerful personal journey shapes Pithadiya’s perspective. After immigrating to the United States with limited resources, she built her career from the ground up. Eventually, she founded a thriving advisory firm dedicated to helping others achieve financial stability and protection. Her story has earned her recognition as a “Million Dollar Immigrant,” reflecting her transformation from virtually nothing to a successful entrepreneur and trusted financial advocate.  

About Roma Pithadiya 

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.    

Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.    

She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.    

In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).    

Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.    

 Learn more: https://aifsgroupbyroma.com/  

Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state. 

Two Minds Unite to Elevate Performance and Capital Strategy for High Achievers 

For Immediately Release, March 1, 2026, Salt Lake City – In a bold move that signals a new era of integrated leadership and investment intelligence, human performance leader Mindtune, and Rock Solid Capital have joined forces to advance the performance and potential of executives, athletes, and performers in 2026 and beyond. This strategic alliance brings together performance psychology and capital strategy under one mission: unlocking untapped human potential and transforming it into measurable business results. 

At a time when workplace stress, burnout, and decision fatigue are costing companies billions of dollars annually in lost productivity and stalled growth, this strategic partnership offers a targeted, high-impact solution. Research demonstrates that chronic stress and employee disengagement erode operational efficiency, stifle innovation, and result in substantial unrealized revenue. According to Gallup’s State of the Global Workplace: 2025 Report, declining global employee engagement cost the world economy an estimated $438 billion in lost productivity in 2024 alone.  

Mindtune and Rock Solid Capital are directly addressing this critical gap by integrating advanced mindset mastery with disciplined capital execution to unlock peak performance and sustainable results. 

The ingenuity for Global Impact + Capital to scale 

Mindtune, founded by Peak Performance Strategist Marco Lopez, is known for action-based, results-driven methodology to propel entrepreneurs, executives, and high responsibility leaders to their highest potential. The company specializes in eliminating subconscious limitations that restrict performance and fulfillment. Through real time cognitive recalibration and practical decision discipline, Mindtune supports high performers in unlocking focus, confidence, and peak performance under pressure.  

Rock Solid Capital, a capital raising firm committed to disciplined investment strategy and long term value creation, brings financial expertise and investor alignment into the equation. By integrating Mindtune’s mental performance framework into its own internal operations, Rock Solid is beginning with itself, refining its leadership, sharpening decision making, and strengthening execution before expanding these principles outward to investors and portfolio partners. 

Why Now? 

“We’ve been propelling unprecedented success throughout the world through our technology, and now we’re scaling to give this opportunity to millions more in the coming seasons,” said Marco Lopez, founder of Mindtune. 

Eric Zwigart, founder and CEO of Rock Solid Capital, went though Mindtune’s program in 2025 while rebuilding his career after a major setback in 2021. Zwigert reports the program doubled his personal efficiency within 3 months while decreasing anxiety, deepening his purpose and increasing fulfillment.  

Zwigert has now partnered with Mindtune to accelerate its growth and impact in 2026 and beyond. 

Businesses can explore mindset training and executive performance programs through Mindtune at www.mindtunenow.com and learn more about Marco Lopez at www.marcolopez360.com. Investors interested in strategic capital partnerships can connect with Rock Solid Capital at www.rocksolidcap.com/ 

About Rock Solid Capital 
Rock Solid Capital is a capital raising and investment strategy firm committed to disciplined execution, strategic alignment, and long-term value creation. Through its alignment with Mindtune, the firm is integrating performance psychology into capital strategy to support sustainable growth.  

About Mindtune 
Mindtune is a peak performance company founded by Marco Lopez. Designed for entrepreneurs, executives, and high responsibility leaders, Mindtune delivers individual and group programs focused on eliminating subconscious limitations and optimizing decision clarity in real time. 

#HumanPerformance #PeakPerformance #Leadership #ExecutiveCoaching #MindsetMastery #BurnoutPrevention #CapitalStrategy #HighAchievers #2026Growth #MindTune #RockSolidCapital #PersonalDevelopment #BusinessGrowth 

In an era where economic uncertainty dominates headlines and financial stress affects households and entrepreneurs alike, Wealth180 has officially launched the Wealth180 Life Plan, a structured system designed to bring clarity, protection, and long-term stability to families, real estate investors, and business owners. 

The message behind the launch is clear. Wealth is not built by accumulating more products. It is built through intentional design. True financial peace does not come from income alone. It comes from having a system that protects what you build while positioning it to grow with strength, direction, and purpose. 

At Wealth180, the definition of wealth goes beyond finances. Wealth encompasses the richness of health, the freedom of time, and the strength of relationships. These pillars form the foundation of a truly abundant life. When money is structured correctly, it supports the life you want to live. 

For many working families and business owners, income has increased, but structure has not. The result is fragmentation, exposure to unnecessary risk, and long-term instability. The Wealth180 Life Plan challenges the outdated belief that wealth is defined by how much you make. Instead, it reinforces a more powerful truth. Wealth is defined by how it is structured, distributed, invested, and intentionally designed to serve your vision. 

With over 15 years of strategic planning experience, Jacqueline Luna and Anna Chand designed the Wealth180 Life Plan after recognizing a consistent gap in the marketplace. Families were earning, saving, and investing, yet lacked an integrated framework to align income, protection, growth, and legacy. Without a clear system, money was being earned but not maximized. 

“We created the Wealth180 Life Plan to change the way people think about wealth,” said Anna Chand. “Instead of reacting to wealth stressors, our clients can now plan intentionally and protect what matters most.” 

Jacqueline Luna reinforced that philosophy with clarity. “Income alone does not create wealth. How you position and invest it does.” 

The Wealth180 Life Plan is built on three foundational principles. First, it offers a system-based, intentional approach that aligns all aspects of wealth into one cohesive strategy. Second, it provides clarity, confidence, and actionable steps so families can move forward without confusion or guesswork. Third, it shifts the focus from earning more to allocating wisely, teaching clients how to direct money in ways that generate durability and long-term growth. 

Collaboration with Raul Luna Academy reinforced the demand for this holistic framework. Working closely with individuals committed to personal and professional growth revealed a significant need. People did not simply want higher income. They wanted structure, protection, and alignment. They wanted wealth that supported every pillar of their lives. 

In uncertain times, clarity and action are the new currency. Families are navigating rising costs, economic volatility, and competing responsibilities. The Wealth180 Life Plan stands as a proactive response, empowering individuals to design wealth that supports their health, relationships, time freedom, and financial stability. 

Unlike traditional financial approaches that focus narrowly on products or short-term returns, Wealth180 centers on intentional design. It is not about chasing the next opportunity. It is about structuring wealth so it grows with resilience and supports generational impact. 

Wealth180 is an educational platform dedicated to protecting, growing, and preserving what matters most. Through practical knowledge and effective tools, the company supports individuals in making informed decisions that build lasting stability and meaningful abundance. 

Individuals ready to take control of their financial future and design wealth that endures are invited to schedule a 15-minute call to begin their Wealth180 Life Plan at www.Wealth180.com. 

Clarity is a decision. Structure is a strategy. The Wealth180 Life Plan is now available for those ready to build wealth that lasts for generations. 

Laura Kelly discusses bookkeeping strategies 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-laura-kelly-partner-with-knoll-company-p-c-discussing-bookkeeping-strategies/

In the realm of business finance, bookkeeping often takes a backseat to more glamorous aspects of entrepreneurship, such as marketing and sales. However, the importance of accurate bookkeeping cannot be overstated, particularly when it comes to tax planning. As highlighted in a recent podcast episode featuring Laura Kelly, a partner at Knoll & Company P.C, effective bookkeeping not only streamlines financial management but also plays a crucial role in ensuring accurate tax preparation and strategic planning. 

At its core, bookkeeping involves the systematic recording, categorizing, and management of financial transactions. While many business owners may view it as a tedious and monotonous task, Laura emphasizes that it is the bedrock upon which sound financial decisions are made. The podcast illustrates that accurate bookkeeping is not merely about entering numbers into a ledger; it is about understanding the implications of those numbers on a business’s overall financial health and tax obligations. 

One of the key takeaways from the discussion is the integration of bookkeeping with tax preparation. Traditional bookkeeping often involves data entry and categorization based solely on the bookkeeper’s understanding of the business’s expenses. However, Laura argues that this approach can lead to inaccuracies that may not surface until tax season, resulting in a scramble to correct errors and potentially costly mistakes. Instead, she advocates for a more proactive approach, where bookkeeping is conducted with an eye toward tax implications throughout the year. This method allows business owners to engage in tax strategizing and planning, armed with accurate financial data. 

For instance, when bookkeeping is performed by professionals who are also familiar with tax regulations, it enables them to categorize expenses correctly and identify potential tax deductions. This proactive strategy can significantly reduce the tax burden for a business. As Laura points out, having a CPA or tax professional involved in the bookkeeping process ensures that financial records are not only accurate but also optimized for tax purposes. This collaboration allows for timely identification of discrepancies or potential issues, enabling businesses to address them before they escalate into major problems. 

Moreover, the podcast highlights the importance of maintaining up-to-date financial records on a monthly or quarterly basis, rather than relying on a year-end rush to compile data. By keeping accurate books throughout the year, business owners can make informed decisions based on their current financial standing. This ongoing process facilitates more effective communication between bookkeepers and CPAs, allowing for a deeper understanding of how specific entries may impact tax obligations. For example, if a business incurs an unexpected expense, a well-informed bookkeeper can quickly assess its potential tax implications and advise the business owner accordingly. 

The benefits of accurate bookkeeping extend beyond mere compliance with tax regulations. It also fosters a culture of financial awareness within an organization. When business owners are regularly updated on their financial health, they can make strategic decisions that align with their long-term goals. This level of financial literacy empowers entrepreneurs to identify opportunities for growth, manage cash flow effectively, and ultimately enhance the sustainability of their business. 

Laura shared: “The way it (bookkeeping) integrates with taxes you, don’t learn that in a regular school or anything and even then, you don’t learn that just from being a bookkeeper for a business. What really helps is being a bookkeeper for a CPA firm because – every single day you’re tying your work into a completely different aspect that follows right through to your taxes.” 

In conclusion, the podcast featuring Laura Kelly serves as a reminder of the integral role that bookkeeping plays in ensuring accurate tax planning. By adopting a proactive approach to financial management, business owners can not only streamline their bookkeeping processes but also position themselves for greater financial success. Accurate bookkeeping is not just a back-office function; it is a strategic tool that enables businesses to navigate the complexities of tax planning with confidence. As the saying goes, knowledge is power, and in the world of finance, that knowledge begins with accurate and timely bookkeeping. 

About Laura Kelly 

With over a decade of experience in accounting and bookkeeping, Laura specializes in helping business owners manage and understand their finances. As a partner at Knoll & Company, PC – Next Generation CPA Firm, she focuses on building strong bookkeeping systems that keep businesses organized and positioned for growth. Her goal is to make the numbers clear so owners can confidently move their businesses forward. 

Learn more: https://www.knollcpa.com/ 

The information provided in this content is for general informational purposes only and should not be construed as personalized financial, tax, or legal advice. While every effort has been made to ensure accuracy, laws and regulations frequently change and may vary depending on individual circumstances. Please consult a qualified financial, tax, or legal professional for advice specific to your needs before making any decisions. Knoll & Company P.C. and its representatives do not provide legal advice. All services are provided in accordance with applicable professional standards and ethical requirements. 

From Service Provider to Wealth Steward: Financial Empowerment for Beauty Professionals 

Insights from the Afrikan Intelligence International Hair Show Conference 

The worlds of finance and cosmetology converged during the international hair show conference Afrikan Intelligence, held virtually February 15–16 and streamed to a global audience. The founders of Afrikan Intelligence Thando Kafele (The King of Loc) and Mekeba Eady so graciously extended the invite. The featured session, From Service Provider to Wealth Steward, focused on equipping beauty professionals with the financial knowledge and tools needed to transform income earned behind the chair into long-term, sustainable wealth. 

The cosmetology industry is experiencing a pivotal economic shift often described as the “Great Wealth Transfer.” While the sector generates billions annually, many professionals remain financially vulnerable because their earnings are directly tied to the hours they work. Without structures for asset-building, succession planning, or income protection, years of success can be difficult to preserve. 

The 60-minute educational session addressed this challenge by guiding attendees through the transition from a skilled-service mindset to a business ownership and legacy-building perspective. Participants were introduced to foundational wealth strategies designed to help them scale beyond transactional income, create continuity in the event of illness or injury, and develop systems that support both present operations and future security. 

A central theme of the presentation examined a critical question facing many independent beauty professionals: how lifestyle and business stability would be maintained if they were suddenly unable to work. By reframing financial planning as an essential component of professional development, the session emphasized that wealth stewardship is as vital to longevity in the industry as technical expertise. 

Nef shared: “I am excited to share tools with the industry that will save the business owner from financial ruin and leave a legacy.” 

As the beauty industry continues to evolve, integrating financial literacy into professional education is emerging as a key factor in helping entrepreneurs protect their earnings, expand their impact, and build generational stability. 

This effort focuses on bridging the gap between the financial services sector and the cosmetology community by providing accessible education, practical wealth-building frameworks, and strategies tailored to independent professionals and small business owners in the beauty space. 

About Nef El Bey 

Nefertarei El Bey (Nef-er-tar-ee) a woman whose goal in life is to be integral and live a purpose filled life. I worked in healthcare for over 23 years. My past experiences prepared me for a variety of development and leadership. I have worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on. 

The commonality of all these roles are people. Everyone wants to be heard and understood. All the roles I found myself being a liaison between the company and the people. This is how I came to know my true purpose, being a servant to man. 

I am honored to be a community resource, helping individuals understand Medicare plans and final expense. I am a licensed agent for health and life in 13 states. I am invested in each client by educating and keeping them informed of updates. 

I am a wife, mother, grandma, sister, auntie, daughter, and most importantly a child of God. I reside with my husband in Concord NC. My ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear my name or think of me know, I am passionate and always grateful to serve!!! 

Learn more: http://www.insuredbynef.com/  

Roma Pithadiya discussing managing risk in retirement 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-managing-risk-in-retirement/

Roma introduced the concept of “go-go, slow-go, and no-go” phases in retirement, explaining how financial needs and risks change over time. She stressed the importance of planning for these phases to ensure a secure and enjoyable retirement. Also discussed common misconceptions about tax-free retirement planning, particularly the false sense of security that many people have with their 401(k) plans. 

Hybrid Approach Mitigates Retirement Risks 

As individuals approach retirement, the prospect of managing their finances becomes increasingly daunting. The fear of outliving one’s savings, coupled with the unpredictability of market fluctuations and health-related expenses, creates a perfect storm of anxiety for retirees. However, Roma Pithadiya, President and CEO of Affordable Insurance and Financial Services, presents a compelling solution: a hybrid approach to retirement planning that effectively mitigates these risks. 

The essence of the hybrid approach lies in its multifaceted strategy that combines various financial instruments and risk management techniques. Unlike traditional methods that often rely on a singular source of income or savings, the hybrid strategy diversifies assets across multiple categories, including tax-deferred, tax-free, and liquid assets. This diversification is crucial in today’s economic environment, where tax laws and market conditions can change rapidly. By spreading risk across different financial vehicles, retirees can better safeguard their savings against potential losses. 

One of the most significant aspects of this hybrid approach is its adaptability to the different phases of retirement, which Pithadiya categorizes as “go-go,” “slow-go,” and “no-go” stages. The “go-go” phase typically occurs when individuals first retire and are eager to enjoy their newfound freedom. This is often characterized by travel, leisure activities, and luxury purchases. During this time, retirees may draw from their savings to fund these experiences. However, the misconception that retirement is solely about enjoying life can lead to financial pitfalls if adequate planning is not in place. 

The “slow-go” phase follows, where retirees may shift their focus from travel to spending quality time with family and friends. Although this phase may involve fewer expenses related to travel, it is crucial to recognize that costs do not disappear entirely. Healthcare expenses, for instance, may begin to rise as individuals age, necessitating careful financial planning. 

Finally, the “no-go” phase represents a time when health issues may limit mobility and independence. During this stage, retirees may require long-term care, which can be financially burdensome. The hybrid approach addresses this concern by ensuring that retirees have access to funds that can cover these expenses without depleting their savings entirely. By utilizing life insurance and other financial products, retirees can secure funds for both immediate needs and long-term care, thus reducing the risk of financial strain during their later years. 

Pithadiya emphasizes that the hybrid approach is not merely about accumulating wealth but about strategically managing and utilizing that wealth throughout retirement. This perspective shifts the focus from merely saving to a comprehensive strategy that considers the complexities of aging and financial security. By planning for all three stages of retirement—go-go, slow-go, and no-go—individuals can ensure that they are not only prepared for the joys of retirement but also equipped to handle its challenges. 

In conclusion, the hybrid approach to retirement planning offers a robust framework for mitigating risks associated with aging and financial uncertainty. By diversifying assets and considering the various phases of retirement, individuals can protect their savings from market volatility and unexpected expenses. Roma Pithadiya’s insights into this approach highlight the importance of proactive financial planning, ensuring that retirees can enjoy a fulfilling and secure retirement without the looming fear of financial instability. As the landscape of retirement continues to evolve, embracing a hybrid strategy may well be the key to achieving lasting peace of mind. 

Roma shared: “I can use my life insurance for go-go, slow-go, and no-go. All the time of my life, I want to use it. That’s why hybrid approach is the most important work because it doesn’t pull your money from the one bucket. It’s spreading out all risk.” 

About Roma Pithadiya 

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.    

Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.    

She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.    

In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).    

Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.    

Learn more: https://aifsgroupbyroma.com/  

Recent News & Interviews

• Roma Pithadiya Discussed Hybrid Approach to Tax-Free Retirement https://authoritypresswire.com/roma-pithadiya-president-ceo-affordable-insurance-financial-services-on-the-influential-entrepreneurs-podcast-discussing-hybrid-approach-to-tax-free-retirement/
• Roma Pithadiya Discussed IRS and Insurance https://authoritypresswire.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-interviewed-on-the-influential-entrepreneurs-podcast-discussing-irs-and-insurance/
• Roma Pithadiya Discussed Effective Retirement Planning https://authoritypresswire.com/roma-pithadiya-president-ceo-affordable-insurance-financial-services-interviewed-on-the-influential-entrepreneurs-podcast-discussing-effective-retirement-planning/

Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state. 

Roma Pithadiya discusses overcoming effective retirement planning 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-effective-retirement-planning/

Roma Pithadiya to discuss overcoming barriers to effective retirement planning. Roma shared invaluable insights and strategies tailored for busy professionals to help them allocate time and resources effectively for retirement planning 

Retirement planning is often viewed as a daunting task, one that many individuals procrastinate on, thinking they will tackle it “someday.” However, the complexities and barriers surrounding effective retirement planning can lead to missed opportunities and financial insecurity in the future. In a recent podcast episode featuring Roma Pithadiya, president and CEO of Affordable Insurance and Financial Services, several strategies were discussed that can help busy professionals overcome these barriers. The key takeaways from this discussion can be summarized in four actionable strategies: schedule, automate, educate, and delegate. 

The first step in effective retirement planning is to schedule dedicated time for it, just as one would for a crucial business meeting. Busy professionals often struggle to find the time to focus on their financial future, but establishing a routine can make the process more manageable. Pithadiya recommends setting up a “money appointment” — a 30-minute monthly meeting specifically for retirement planning. By treating these appointments with the same importance as a board meeting, individuals can create a consistent rhythm for reviewing and adjusting their financial plans. This structured approach alleviates the overwhelming feeling that often accompanies retirement planning, allowing for focused discussions and strategic decision-making. 

Once a schedule is in place, the next step is to automate contributions to retirement accounts. Automation removes the need for constant attention and ensures that savings happen consistently. By setting up automatic transfers from checking accounts to retirement savings vehicles, individuals can build their nest egg without the emotional burden of manual contributions. This strategy not only simplifies the saving process but also helps individuals take advantage of compound interest over time. In today’s digital age, utilizing online tools and apps for managing finances can further enhance this automation, making it easier to track progress and stay on course. 

Lack of knowledge is a significant barrier to effective retirement planning. Many individuals feel overwhelmed by financial jargon or uncertain about the best strategies to adopt. Education is crucial in transforming confusion into confidence. Pithadiya emphasizes the importance of seeking out educational resources, such as workshops, webinars, and informative articles. Engaging with financial advisors who can explain concepts clearly is also beneficial. By asking questions early in the planning process and seeking guidance, individuals can make informed decisions that align with their financial goals.  

Finally, delegating tasks related to retirement planning can significantly lighten the load for busy professionals. Many individuals feel overwhelmed by the sheer volume of paperwork and research required for effective planning. By working with a trusted financial advisor, individuals can delegate responsibilities such as monitoring investments, completing paperwork, and conducting research. This partnership allows individuals to focus on their strengths while leveraging the expertise of professionals who understand their unique financial situations. Just as one would consult a primary care physician for health concerns, engaging with a knowledgeable financial advisor can provide tailored advice and strategies that align with personal financial goals. 

Roma explained: “Business professionals often struggle with the time, but a few simple habits make plan manageable. Like a scheduling, money appointment, just like a business meeting. 30 minute monthly meeting is good enough.” 

In conclusion, overcoming the barriers to effective retirement planning is achievable through a strategic approach that incorporates scheduling, automation, education, and delegation. By prioritizing dedicated time for financial discussions, automating savings, seeking knowledge, and collaborating with professionals, individuals can transform retirement planning from a daunting task into a manageable and empowering process. As Roma aptly points out, consistent small actions can lead to significant outcomes in securing a comfortable and financially stable retirement. By adopting these strategies, busy professionals can take charge of their financial futures and navigate the complexities of retirement planning with confidence. 

About Roma Pithadiya 

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.    

Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.    

She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.    

In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).    

Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.    

Learn more: https://aifsgroupbyroma.com/  

Recent News & Interviews

• Roma Pithadiya Discussed Hybrid Approach to Tax-Free Retirement https://authoritypresswire.com/roma-pithadiya-president-ceo-affordable-insurance-financial-services-on-the-influential-entrepreneurs-podcast-discussing-hybrid-approach-to-tax-free-retirement/
• Roma Pithadiya Discussed IRS and Insurance https://authoritypresswire.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-interviewed-on-the-influential-entrepreneurs-podcast-discussing-irs-and-insurance/

Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state. 

MSP News Global proudly presents a comprehensive feature, “Expert Secrets: How to Magnetize Abundance & Prosperity in 2026: The Fire Horse Year,” led by the esteemed Feng Shui master, Dame Marie Diamond. This in-depth article, published on the MSP News Global website, brings together an inspiring collective of global experts who offer practical, heart-led insights to help individuals navigate the unique energies of the Fire Horse year and unlock their potential for abundance and prosperity.

​The collaboration, spearheaded by Mark Stephen Pooler, CEO & Founder of TMSP AGENCY, highlights the critical role of strategic alignment, personal transformation, and energetic coherence in achieving success.

​The featured experts contributing their wisdom to this groundbreaking piece include:

• ​Dame Marie Diamond: World-renowned Feng Shui master and best-selling author, who shares her expertise on aligning homes and energy for prosperity.
• ​Stacey Hall: Sales success strategist and best-selling author, guiding readers to become “Lighthouses” that attract aligned prosperity.
• ​LaWanna Bradford, MPA: Global strategist and transformation architect, explaining decisive alignment and discernment for sustainable success.
• ​Katie Carey: Founder of Soulful Valley Publishing and podcast host, who emphasizes nervous system safety and receiving as the foundation for abundance.
• ​Dr. Annette Greenwood: Award-winning life coach, radio presenter, and best-selling author, offering insights into mindset, gratitude, and visualization practices.
• ​Jackie Philip, MFA: Founder of Energetic Artistry and creator of The Colour Codex, sharing the importance of coherence between body, space, and expression.
• ​Nancy Matthews Auchettl & Barry Auchettl: Globally respected leadership advisors, who discuss spiritually aligned strategy and responsibility.
• ​Rosey McBride: International best-selling author, teacher, and life coach, focusing on decisive action, regulation under pressure, and momentum-based prosperity.
• ​Lisa L. Baker: Executive coach and founder of Ascentim, who shares purpose-led prosperity and redefining success beyond money.
• ​Dr. Mosongo Moukwa: Author and executive coach, explaining identity realignment and coherence for confident, sustainable growth.
• ​Birgitta Visser: Divine channel and light language healer, who advocates for heart coherence and gratitude as keys to allowing prosperity.
• ​Antje Swart: Conscious success strategist and hypnotherapist, sharing gratitude, soul alignment, and wealth awareness practices.
• ​Dr. Victoria Rader: Founder of YU2SHINE and pioneer of Quantum Personal Development, who focuses on worth, LOVE-led action, and receiving.
• ​Monika Greczek: Integrative wellness practitioner and energy practitioner, highlighting nervous system coherence and regulation as the infrastructure for abundance.
• ​Dr. Grant Murrell: Transformation expert and human communication specialist, sharing communication mastery and aligned momentum for prosperity.
• ​Izabella Niewiadomska: Award-winning longevity mentor and wellness visionary, who emphasizes gratitude, self-mastery, and trust-based choices.
• ​Lalitha Donatella Riback: 4x #1 international best-selling author, Vedic expert, and transformational mindset coach, focusing on identity shifts, mantra practice, and abundance-focused thinking.
• ​Debra L. Morrison, CFP, MS, AEP: Financial and leadership coach, sharing self-forgiveness, gratitude, and reframing past missteps.
• ​Debra Guerrero: Founder, speaker, healer & financialist at Inner Banker, who advocates for financial sovereignty and becoming the “Banker.”
• ​Renata Angelo: Global mindset strategist and transformation expert, sharing belief transformation, “as if” embodiment, and Source connection.

​The article delves into common mistakes that block prosperity, practical tips for aligning with abundant energy in the Fire Horse year, and the single most impactful area of transformation for 2026. Each expert provides unique perspectives and actionable strategies designed to empower individuals to create a more prosperous and fulfilling future.

​”The collective wisdom shared in this feature is designed to be a powerful catalyst for transformation,” says Mark Stephen Pooler. “As we enter the dynamic Fire Horse year, it’s crucial for individuals to embrace clarity, coherence, and intentional action. This collaboration offers a roadmap to do just that, drawing on the diverse expertise of some of the most influential minds in personal and professional development.”

​The full article, “Expert Secrets: How to Magnetize Abundance & Prosperity in 2026: The Fire Horse Year with Marie Diamond,” can be read in its entirety at:

https://mspnewsglobal.com/expert-secrets-how-to-magnetize-abundance-prosperity-in-2026-the-fire-horse-year-with-marie-diamond/

​About MSP News Global:

MSP News Global is a premium business magazine website that features influential business leaders, trendsetters, and change innovators. It covers original authorship, real estate, coaching, business, and entrepreneurial topics, providing a platform for insightful and impactful content.

​Contact:

Media@MSPNewsGlobal.com

​###

FOR IMMEDIATE RELEASE

AIGetFound.com Expands AI-Optimized Directory to Help Business Coaches, Financial Advisors, and Real Estate Professionals Improve Visibility in AI Search

Denver, CO — February 20, 2026 — AIGetFound.com, an AI-optimized professional directory, announced today the expansion of its structured visibility platform to include Business Coaches, Financial Advisors, and Real Estate Professionals. The expansion follows the platform’s initial launch supporting authors and subject-matter experts seeking improved recognition in AI-powered search tools.

AIGetFound is designed to support structured identity placement across AI systems such as ChatGPT, Google Gemini, Microsoft Copilot, and Bing AI.

As search behavior shifts toward conversational AI, professionals are increasingly discovered through natural-language queries rather than traditional keyword searches.

Why Is AI Search Changing Professional Discoverability?

Consumers are asking AI tools questions such as:

“Who is a retirement-focused financial advisor near me?”

“Best executive coach for scaling SaaS companies?”

“Top real estate agent for investment properties in Denver?”

Large language models (LLMs) generate answers by interpreting structured signals, consistent specialization, and clearly defined professional categories.

According to a 2024 Pew Research Center study, nearly 60% of U.S. adults have used AI-driven tools for information retrieval, and adoption continues to grow.

Gartner has projected that traditional search engine volume may decline as AI conversational interfaces gain adoption.
Source: 

As AI interfaces influence how professionals are discovered, structured clarity has become increasingly important.

What Does AIGetFound Provide?

AIGetFound functions as a structured professional directory built around:

• Defined specialization categories
• Clear service descriptions
• Location alignment
• Consistent terminology
• Structured profile formatting

The platform introduces vertical-specific identity placement for:

• Business Coaches
• Including executive coaching, sales coaching, leadership development, and startup advisory.
• Financial Advisors
• Including retirement planning, tax strategy, fiduciary services, and estate planning.
• Real Estate Professionals
• Including residential, commercial, investment, and luxury property specialists.

What Is AI Structured Verified?

AIGetFound also introduced its AI Structured Verified designation for professionals who meet defined structural clarity standards.

Verified profiles include:

• Confirmed identity
• Clearly defined specialization
• Structured service alignment
• Complete category placement
• Consistent positioning language

Verification reflects profile completeness and clarity. It does not imply endorsement, licensing review, or regulatory approval.

Frequently Asked Questions

How do AI tools decide which professionals to recommend?

AI systems interpret structured data, specialization clarity, and contextual agreement across sources. They rely less on keyword ranking and more on entity consistency and clearly defined expertise categories.

Does AI search favor larger firms?

AI systems analyze clarity and alignment, not just firm size. Clear specialization and structured positioning improve interpretability regardless of company size.

Is AIGetFound replacing personal websites?

No. AIGetFound functions as a structured visibility layer that complements websites, social media profiles, and other digital assets.

Why is structured categorization important for AI visibility?

AI systems use structured categories and consistent topic associations to reduce ambiguity. When expertise is clearly defined, it is easier for AI systems to interpret and contextualize professional roles.

For more on structured data and search interpretation, see Google’s documentation on structured data and search results:
https://developers.google.com/search/docs/appearance/structured-data/intro-structured-data

Designed for the Future of AI Search

“AI systems are increasingly shaping how professionals are discovered,” said JC Soto, founder of AIGetFound.com. “Structured identity placement allows professionals to clarify how their expertise is interpreted across AI-powered environments.”

Rather than focusing solely on traditional search ranking, AIGetFound emphasizes interpretability within AI-driven responses.

About AIGetFound.com

AIGetFound.com is an AI-optimized professional directory built to improve discoverability within AI-powered search tools including ChatGPT, Google Gemini, Microsoft Copilot, and Bing AI. The platform supports authors, business coaches, financial advisors, real estate professionals, and subject-matter experts through structured categorization and clarity-focused positioning.

Roma Pithadiya discusses highlights of IRS and insurance 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-irs-and-insurance/

Roma began by addressing the common fear and misunderstanding surrounding the IRS and insurance. Roma emphasized that while the IRS tax code is extensive and complex, it actually rewards those who plan strategically. She explained how business owners can leverage IRS regulations to their advantage through various retirement plans, income-shifting strategies, and tax-favored accounts. 

In today’s financial landscape, many individuals and business owners view insurance primarily as a necessary expense—a cost incurred to protect against unforeseen circumstances. However, as discussed in a recent episode of the “Influential Entrepreneurs” podcast featuring Roma Pithadiya, president and CEO of Affordable Insurance and Financial Services, insurance can be reimagined as a powerful financial ally when structured and utilized correctly. This perspective challenges the conventional understanding of insurance and highlights its potential as a strategic tool in achieving long-term financial goals. 

One of the key points made in the podcast is the role of insurance in creating tax-free retirement strategies. Many individuals are unaware that certain types of life insurance policies, such as whole life or indexed universal life insurance, can accumulate cash value over time. This cash value can be accessed tax-free under specific conditions, offering a valuable resource for retirement funding. By understanding the nuances of these policies, individuals can leverage them as a means of wealth accumulation rather than just a safety net against life’s uncertainties. 

Roma highlights the significance of strategic financial planning in maximizing the benefits of insurance. Business owners often find themselves overwhelmed by the complexities of tax codes and insurance options, leading them to dismiss these tools as unmanageable. However, Pithadiya argues that with the right guidance and knowledge, insurance can be a powerful ally in navigating the financial landscape. 

For instance, the IRS tax code offers various provisions that can benefit business owners when they incorporate insurance into their financial strategies. The discussion touches on how certain insurance premiums can be deducted, and how life insurance can provide long-term care benefits and living benefits. By collaborating with financial professionals, including tax advisors and attorneys, individuals can gain insights into how to structure their insurance policies to align with their overall financial goals. This collaborative approach not only demystifies the complexities of insurance but also empowers individuals to make informed decisions. 

Roma shared: “it’s important to understand the strongest financial friend is insurance too, because it’s giving you back if you properly structured, properly planned, and properly maintained.” 

The insights shared in the podcast underscore the transformative potential of insurance when viewed as a financial ally rather than a mere expense. By embracing a comprehensive approach to financial planning that includes insurance, individuals and business owners can harness its benefits to achieve financial security and growth. The key lies in understanding the intricacies of insurance products, collaborating with knowledgeable professionals, and strategically navigating the complexities of tax codes. In doing so, insurance can evolve from a source of anxiety into a robust tool for wealth accumulation and financial empowerment. As Roma Pithadiya aptly puts it, when properly planned and maintained, insurance can indeed be one of the strongest financial friends one can have. 

About Roma Pithadiya 

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.    

Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.    

She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.    

In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).    

Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.    

Learn more: https://aifsgroupbyroma.com/  

Recent News & Interviews

• Roma Pithadiya Discussed Hybrid Approach to Tax-Free Retirement https://authoritypresswire.com/roma-pithadiya-president-ceo-affordable-insurance-financial-services-on-the-influential-entrepreneurs-podcast-discussing-hybrid-approach-to-tax-free-retirement/

Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state. 

Amy Hitch, MBA, SPFS, an automotive finance professional and leadership coach, is a featured contributor in Training Camp with Adam Marburger: The Black Belt Road to Success & Leadership, a book presenting structured leadership practices for performance-focused industries. Her chapter outlines how communication timing, defined expectations, and integrated team roles support reliable performance in high-interaction environments.

Hitch’s work focuses on operational clarity rather than personality-driven leadership. Drawing on her background in biology and more than a decade of experience in automotive finance, she applies systems thinking to professional settings where outcomes depend on coordination, communication flow, and trust. Her contribution to the Training Camp leadership model demonstrates how repeatable habits and structured routines reduce variability in daily performance.

A key concept in her chapter is role integration. Hitch explains that when departments operate in isolation, communication gaps and late-stage friction often emerge. By aligning expectations early and maintaining continuity between sales and finance functions, teams improve coordination and customer confidence. This approach reframes finance from a final transaction stage to a collaborative component of the customer journey.

Hitch presents communication standards as performance variables. Expectation clarity, consistent presentation structures, and defined timing for information exchange influence interaction quality. Formalizing these routines reduces reliance on improvisation and allows teams to operate from a structured system designed for consistency.

Her work also addresses self-leadership as foundational. Structured learning habits, organized work environments, and daily preparation routines influence focus and emotional steadiness. Hitch describes these personal systems as infrastructure supporting professional reliability.

Her chapter serves as a practical example of the Training Camp leadership framework developed by Adam Marburger, which emphasizes discipline, preparation, and repetition as leadership fundamentals. By focusing on process alignment and communication structure, Hitch’s perspective highlights how systems-based leadership supports long-term stability.

Hitch’s chapter appears in Training Camp with Adam Marburger, which will be available on Amazon. She can also be heard now in an interview on CBT News, where she appears as part of the Training Camp with Adam Marburger series.

About Amy Hitch
Amy Hitch, MBA, SPFS, works with Ascent Dealer Services and focuses on process alignment, communication systems, and performance consistency in dealership operations.

 Training Camp with Adam Marburger: The Black Belt Road to Success, a forthcoming leadership anthology, features eight top experts in the automotive finance and insurance (F&I) industry and debuted as a #1 Hot New Release in the Automotive & Transportation category on Amazon. Drawing from Marburger’s experience as founder of Ascent Dealer Services and host of Training Camp with Adam Marburger, the book applies leadership principles inspired by Brazilian Jiu-Jitsu to dealership operations, team development, and sales strategy.

Kyle Watson, UFC veteran and Brazilian Jiu-Jitsu black belt, highlights the value of continuous learning and mentorship. “I’m a white belt for life. That mindset keeps me hungry and humble,” Watson says, describing how he coaches automotive leaders and mentors the next generation through Watson Martial Arts in St. Louis.

Glenn Lundy, founder of the 800% Elite Automotive Club, emphasizes operational consistency: “Discipline isn’t punishment. It’s freedom,” Lundy notes, explaining the importance of processes that sustain long-term dealership performance.

Danelle Delgado, author of the chapter The Velvet Hammer, reflects on leadership in a male-dominated industry. “The auto industry didn’t just accept me—it matched me,” Delgado says, describing her strategies for executive coaching and team alignment within F&I environments.

Amy Hitch shares her expertise in analytics and performance optimization. “Data doesn’t lie; structure your decisions around what the numbers show,” she says, demonstrating how dealerships can leverage insights to improve efficiency and results.

Chris Saraceno discusses prioritization and resilience. “Balance your priorities or the business will balance them for you,” he observes, showing how focused leadership drives teams toward measurable success.

Chris Martinez provides insight into transforming underperforming teams. “The biggest shifts in my life came right after the biggest hits,” Martinez says, highlighting strategies for coaching teams to overcome challenges and achieve improvement.

Joe St. John shares lessons on customer engagement. “You can’t force the customer; you guide them through the process,” he notes, emphasizing effective sales techniques and client-centered service.

Jeremy Soileau underscores the importance of talent development and retention. “Invest in your people, and they will invest back in the business,” Soileau explains, emphasizing leadership pipelines, employee engagement, and sustainable team growth.

All contributors support Riverbend Rescue, assisting families in the St. Louis and Riverbend region, reflecting the anthology’s focus on community impact alongside professional development.

The book demonstrates Marburger’s philosophy that preparation, discipline, and mentorship are the foundations of leadership success. Executives and team leaders are offered actionable strategies for building resilient teams, optimizing F&I operations, and cultivating leadership talent.

About Adam Marburger
Adam Marburger is founder of Ascent Dealer Services and host of Training Camp with Adam Marburger, coaching dealership leaders and F&I teams nationwide. He combines martial arts-inspired leadership with actionable business strategies to improve culture and operational results.

About the Book
Training Camp with Adam Marburger: The Black Belt Road to Success is a leadership anthology featuring eight top F&I professionals. Pre-orders are available through Amazon, and the book provides practical guidance for executives seeking to elevate team performance, leadership, and business results.

Amy Hitch, an automotive finance professional and leadership coach, contributes a systems-focused chapter to Training Camp: The Black Belt Road to Success & Leadership, a book outlining structured leadership practices for performance-driven industries. Her chapter examines how early collaboration, aligned communication, and defined process standards improve both customer experience and team consistency.

Hitch’s professional background combines a degree in biology with more than a decade of experience in automotive finance. Her work emphasizes observation, process refinement, and communication structure as drivers of operational stability. Within the broader leadership framework presented in the book, her chapter illustrates how repeatable habits and structured communication routines contribute to predictable performance in customer-facing environments.

A central theme in her contribution is the positioning of finance professionals earlier in the customer journey. Hitch explains that continuity between sales and finance reduces friction, maintains message alignment, and supports customer confidence. When teams operate from shared expectations rather than role separation, operational flow improves and variability decreases. This integration model reframes finance from a late-stage transaction point to a collaborative function within the overall dealership process.

Her chapter outlines process standards that influence customer interaction quality, including communication timing, expectation clarity, and consistent presentation practices. These methods are presented as mechanisms for stabilizing interactions and reinforcing professionalism across departments. By formalizing these routines, teams reduce reliance on improvisation and instead operate from a structured system designed to support reliability.

Hitch also addresses personal leadership discipline as a performance factor. Continuous learning, structured daily habits, and workspace organization are described as variables that influence focus, communication quality, and emotional consistency. These practices align with the book’s broader view that leadership development functions as a daily discipline built on repetition and standards rather than personality or motivational cycles.

Her contribution serves as a practical application of the leadership model described throughout Training Camp, demonstrating how preparation, communication alignment, and role integration support long-term trust and operational stability. The chapter connects individual habits with team-level outcomes, showing how consistent internal structure influences customer experience and organizational culture.

By emphasizing systems over personality, Hitch’s work reflects a process-driven leadership approach increasingly relevant in performance environments where consistency, clarity, and coordination affect results. Her perspective illustrates how structured leadership practices translate into daily operational behaviors that support reliability over time.

Training Camp with Adam Marburger, featuring the chapter by Amy Hitch, is available on Amazon.

About Amy Hitch
Amy Hitch, MBA, SPFS, is an automotive finance professional and leadership coach with Ascent Dealer Services. Her work centers on process alignment, customer communication, and performance consistency within dealership operations.

With more than two decades of executive leadership experience, Dr. Williamson has built a legacy grounded in empowerment, strategic growth, and measurable impact. Since 2008, she has led WBEC-West through sustained expansion and innovation — forging strong corporate alliances, strengthening supplier diversity initiatives, and creating meaningful pathways for women-owned businesses to compete and thrive in competitive markets.

Under her leadership, WBEC-West has deepened corporate engagement and elevated supplier inclusion efforts, directly advancing opportunities for WBENC-certified women-owned businesses. Her work has helped thousands of entrepreneurs gain increased visibility, enhanced credibility, and greater access to national and regional supply chains.

Dr. Williamson is widely respected for her ability to translate vision into action — aligning corporations, community partners, and women-owned businesses around shared goals that drive economic growth and inclusion. She has received multiple recognitions for her visionary leadership and lasting contributions to women’s economic empowerment and supplier diversity advancement.

“Dr. Williamson’s impact reaches far beyond organizational success,” said a Neetu Sadhwani, sunRISE Group Inc. “Her work continues to open doors for women entrepreneurs and strengthen the broader business ecosystem.”

Statement from Dr. Pamela Williamson

“Black History Month is a time to recognize progress, resilience, and the responsibility we share to keep expanding opportunity,” said Dr. Williamson. “When we invest in women entrepreneurs, we strengthen families, communities, and supply chains. My commitment — and the commitment of WBEC-West — is to continue building pathways that give women-owned businesses the visibility, access, and support they need to grow and lead.”

Her journey stands as a powerful reminder that true leadership is not only about achieving success — it is about lifting others as you rise.

About sunRISE Group Inc.

sunRISE Group Inc. is a leading technology consulting and solutions firm that empowers organizations through data-driven innovation, advanced analytics, and tailored IT services. Focused on complex enterprise project management, talent acquisition, cybersecurity, and digital transformation, sunRISE Group Inc. serves clients across the United States, Canada, and India. The company combines cutting-edge solutions with deep industry expertise to help businesses optimize operations, harness emerging technologies, and achieve strategic goals. As a certified minority and women-owned business, sunRISE Group Inc. champions diversity and inclusion while delivering sustainable, high-impact results for its clients and communities.

About WBEC-West

WBEC-West, the Women’s Business Enterprise Council-West, is committed to driving growth, fostering equity, and inspiring innovation among women-owned businesses across the Western United States. Through its comprehensive certification, education, and advocacy efforts, WBEC-West empowers women entrepreneurs to connect with major corporations, government agencies, and organizations looking to diversify their supply chains.

As a proud Regional Partner Organization of the Women’s Business Enterprise National Council (WBENC), WBEC-West supports a dynamic network of women-owned businesses in Arizona,

California, Nevada, Utah, Colorado, Wyoming, Hawaii, and beyond. Its initiatives are designed to remove barriers and create opportunities for women entrepreneurs, offering access to invaluable resources, tailored educational programs, and high-impact networking events.

Roma Pithadiya discusses the hybrid approach to tax-free retirement 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-the-hybrid-approach-to-tax-free-retirement/

Roma Pithadiya, the President and CEO of Affordable Insurance and Financial Services. Delved into the intriguing topic of a hybrid approach to a tax-free retirement. 

Roma shared her journey from immigrating to the United States in 1993 and starting her career as a hotelier, to becoming a knowledgeable financial advisor. She emphasized the importance of not just having knowledge but implementing it effectively to secure financial futures. 

In today’s fast-paced financial landscape, the concept of retirement planning has evolved significantly. Traditionally viewed as a distant goal, retirement is now a pressing reality that requires proactive strategies to ensure financial security. One innovative method that has gained traction in recent years is the hybrid approach to tax-free retirement. This strategy combines various financial instruments to create a diversified portfolio that not only protects against market volatility but also minimizes tax liabilities. The insights shared by Roma, in a recent podcast provide a comprehensive understanding of how this hybrid approach can secure a tax-free retirement. 

The hybrid approach to retirement planning is characterized by its diversification of income sources, tax exposure, and risk management. Unlike traditional methods that often rely heavily on taxable accounts like 401(k)s, the hybrid strategy incorporates a variety of financial instruments, each serving a unique purpose in the overall plan. For instance, Pithadiya mentions the use of Roth IRAs, Indexed Universal Life (IUL) policies, Health Savings Accounts (HSAs), and municipal bonds as essential components of this approach. 

1. Roth IRAs: These accounts allow for tax-free withdrawals in retirement, making them an attractive option for individuals concerned about future tax hikes. By contributing to a Roth IRA, clients can lock in their current tax rates and enjoy tax-free income during retirement. 
2. Indexed Universal Life Policies: These modern life insurance products offer more than just death benefits. They provide living benefits, including long-term care options and tax-free access to funds.  
3. Health Savings Accounts (HSAs): With healthcare costs continuing to rise, HSAs serve as a critical tool for managing medical expenses. Contributions to HSAs are tax-deductible, and withdrawals for qualified medical expenses are tax-free, providing a safeguard against healthcare-related financial risks. 
4. Municipal Bonds: These bonds offer predictable, tax-free income, making them an ideal choice for retirees seeking stability in their investment portfolios. 

One of the significant challenges in retirement planning is overcoming misconceptions about financial products. Pithadiya points out that many individuals view life insurance solely as a death benefit, overlooking the living benefits that modern policies offer. Additionally, there is a prevalent belief that delaying tax payments will result in lower tax brackets during retirement. However, many retirees find themselves in higher tax brackets due to Required Minimum Distributions (RMDs) from retirement accounts, taxable social security income, and fewer available deductions. 

In conclusion, the hybrid approach to tax-free retirement offers a robust framework for individuals seeking financial security in their later years. By diversifying income sources, managing risks, and addressing common misconceptions, this strategy empowers clients to take control of their financial futures. As Roma Pithadiya articulately conveys, the journey to a tax-free retirement requires not only knowledge but also the implementation of effective strategies. With the right guidance and a well-structured plan, individuals can navigate the complexities of retirement planning and secure a financially stable future. 

Roma shared: “I find out how the insurance and financial strategy work by the hybrid way. So hybrid strategy works because It diversified tax exposure, income sources, and risk type. And instead of relying on the bucket, like a 401k, that’s a fully taxable and tied to market. What are liability and you’re like spending a strategy like a multi-tools.” 

About Roma Pithadiya 

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.    

Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.    

She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.    

In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).    

Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.    

 Learn more: https://aifsgroupbyroma.com/  

Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state. 

Curtis Cottle discusses taxes in retirement 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-curtis-cottle-founder-of-sbc-financial-discussing-taxes-in-retirement-2/

Curtis shared valuable insights into why the common belief that retirees will be in a lower tax bracket may not always hold true. He emphasized the importance of preparing for potentially higher taxes in the future due to factors like the national deficit. 

In the realm of financial planning, one of the most critical yet often overlooked aspects is the management of taxes in retirement. As individuals transition from their working years to retirement, there is a prevailing assumption that their tax burden will decrease. However, as highlighted at the Influential Entrepreneurs Podcast featuring Curtis Cottle, founder of SBC Financial, this notion is increasingly being challenged. The reality is that many retirees may find themselves in a higher tax bracket than anticipated, making it essential to prepare for rising retirement taxes.  

The Misconception of Lower Tax Brackets 

Many individuals entering retirement operate under the belief that their income—and consequently their tax liability—will diminish. This assumption can be misleading. Cottle notes that many clients express a common sentiment: they expect to be in a lower tax bracket upon retirement. However, the reality is that this is not always the case. In fact, retirees may discover that they have higher incomes than they initially projected, which can lead to unexpected tax implications. Factors such as Social Security benefits, pension income, and withdrawals from tax-deferred accounts can significantly impact taxable income.  

The Deficit and Its Implications 

The podcast emphasizes the broader economic context that influences tax rates. With national debt continuing to rise, the likelihood of increased taxes becomes a pressing concern. Cottle points out that the deficit is a driving force behind potential tax increases. The government faces two primary options to address the deficit: reduce spending or raise taxes. Given the historical challenges associated with reducing government spending, many experts believe that tax increases are more probable. This uncertainty underscores the importance of proactive tax planning for retirees.  

The Reality of Untaxed Accounts 

A significant aspect of retirement planning involves understanding the implications of tax-deferred accounts, such as 401(k)s and IRAs. While these accounts offer immediate tax benefits, they also present future tax liabilities. Cottle refers to these accounts as “ticking time bombs,” where retirees may overlook the fact that taxes will be owed upon withdrawal. This oversight can lead to substantial financial shortfalls if individuals do not adequately prepare for the tax implications of their retirement savings.  

Strategies for Tax Management in Retirement 

To mitigate the impact of rising taxes, retirees must adopt strategic approaches to tax management. Cottle advocates for exploring tax-free vehicles and other methods to shelter income from taxation. By working with financial professionals who possess expertise in tax planning, retirees can develop strategies that optimize their tax situations. For instance, converting traditional IRAs to Roth IRAs can be an effective way to minimize future tax liabilities, as withdrawals from Roth accounts are tax-free in retirement. 

Additionally, retirees should consider diversifying their income sources to include taxable, tax-deferred, and tax-free accounts. This diversification allows for greater flexibility in managing tax liabilities during retirement. By strategically withdrawing funds from different accounts, retirees can potentially minimize their tax exposure and maintain a more stable income stream. 

As individuals approach retirement, it is crucial to recognize the potential for rising taxes and to prepare accordingly. The assumption that retirement will equate to a lower tax burden can lead to financial pitfalls and unexpected challenges. By understanding the implications of tax-deferred accounts, staying informed about economic trends, and implementing strategic tax management practices, retirees can navigate the complexities of retirement taxes with confidence. Ultimately, proactive planning is essential to ensure that retirement savings are not eroded by unforeseen tax liabilities, allowing individuals to enjoy their golden years with financial health. 

Curtis shared: “The other component is you always kind of see taxes expand, it feels like. And I ask people in the future, do you think taxes are going to go down, stay the same, or go up? And most people, what we’ve found is they say, you know, I think probably if taxes move, they’re probably not going down, they’re probably going up. And so there’s a few factors to consider when looking at that.” 

About Curtis Cottle 

Curtis Cottle is a Certified Financial Fiduciary, visionary growth strategist and founder of one of Michigan’s fastest-scaling financial services firms. He specializes in retirement planning, estate planning, and strategic tax strategies designed to help families and business owners protect and grow their wealth. 

At the core of his firm’s approach is a deep emphasis on strategic tax planning as it relates to retirement, helping clients keep more of what they’ve earned and build long-term financial confidence. 

He’s the creator of the Wealth Wellness Checkup, a strategy experience that uncovers financial blind spots and can help people make prudent, informed decisions. The firm is built to simplify complexity, bring structure to planning, and aims to deliver personalized strategies that work in the real world. 

With nearly two decades of experience, Curtis focuses on building lasting relationships, and aims to help people pursue financial independence through a disciplined strategy. 

When he’s not driving growth or designing new campaigns, you’ll find him investing in his team, building partnerships, or spending time with his family, living the same values his business is built on: fun, unity, and getting things done. 

Learn more: http://www.gosbc.net/  

Recent News & Interviews

• Curtis Cottle Discussed Taxes Eating Up IRAs and 401(k)s
  https://authoritypresswire.com/curtis-cottle-founder-of-sbc-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-taxes-eating-up-iras-and-401ks/
• Curtis Cottle Discussed Social Security Timing & Strategy
  https://authoritypresswire.com/curtis-cottle-founder-of-sbc-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-social-security-timing-strategy/
• Curtis Cottle Discussed Market Risk & the Sequence of Returns Trap https://authoritypresswire.com/curtis-cottle-founder-of-sbc-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-market-risk-the-sequence-of-returns-trap/

DISCLAIMER 

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through SBC Financial. SBC Financial is a separate and unaffiliated entity from Simplicity Wealth. The Certified Financial Fiduciary (CFF) designation, attained by Curtis Cottle, is issued and governed by the National Association of Certified Financial Fiduciaries (NACFF). To attain the CFF, the adviser completed a one-day training course, passed an 80-question exam, and underwent a background check. The adviser pays initial fees for the training/exam and an annual renewal fee to maintain the designation. This payment creates an incentive to obtain and use the designation. The CFF is an educational certification and is not an indicator of the adviser’s investment performance, quality of service, or client experience. This is not endorsed or approved by the Social Security Office or any other Government Agency. This information is provided as general information and is not intended to be specific financial guidance. Before you make any decisions regarding your personal financial situation, you should consult a financial or tax professional to discuss your individual circumstances and objectives. 

ATLANTA, GA — In a city known for culture, faith, music, sports, and Black excellence, a new initiative is asking a simple but powerful question:

Are you good? Really?

CAREGD is launching Drop the Weight Atlanta, to embed emotional check-ins and crisis clarity into trusted Black community spaces.

The movement was created from a truth deeply rooted in the Black community: we have mastered saying “I’m good,” even when we are not. Drop the Weight was built to create room for truth — and give people permission to say what they’ve really been carrying.

In many Black spaces — churches, campuses, barbershops, athletic programs, and community organizations — strength is celebrated and resilience is expected, but vulnerability is often silenced. Students carry academic and social pressure. Millennials navigate financial strain and identity stress. Athletes wrestle with expectations beyond performance. Young men and women shoulder family responsibilities and emotional fatigue.

Checking In on Atlanta breaks that pattern and introduces language for what is actually being carried. “Drop the Weight was created from what we’ve lived and kept silent,” said Lisa C. Williams, Founder of CAREGD. “In our community, strength is honored — but too often that strength becomes silence. We are unapologetic. We are checking in loud so no one checks out quietly.”

The Drop the Weight Experience

At the center of the movement is a culturally grounded activation designed to live inside the spaces where Black communities already gather.

Drop the Weight Check-In

A culturally responsive moment of pause where participants are guided through identifying what they have been holding — pressure, grief, anger, expectation, identity strain — and are given space to name it and release it. This is not therapy. It is a structured reset moment grounded in culture and community.

Headspace Song Lab

An interactive creative lab where participants transform emotions into lyrics and original music through guided prompts and facilitated creativity. Music has always been a language of expression within Black culture; here it becomes a tool for emotional awareness and regulation.

Interactive 988 / 911 Awareness

A scenario-based segment teaching when to call 911, when to call 988, and when to use non-emergency services, equipping participants with clarity during moments of crisis.

Because awareness saves lives.

Powered by CARE•CHECK

Drop the Weight Atlanta serves as the cultural activation layer of CARE•CHECK — demonstrating how emotional awareness can be embedded before crisis.

CARE•CHECK combines human-centered experiences with QR-enabled check-ins, text-based follow-up pathways, and aggregated, privacy-respecting insights that help organizations recognize pressure early and normalize care publicly.

The goal is proactive: reduce isolation before it escalates and create visible pathways for care.

“Community connectedness has always been a protective factor in the Black community,” Williams said. “When we make care intentional and visible, we strengthen what has always protected us.”

Where It’s Going

Drop the Weight Atlanta is being offered to:

• Black student organizations and campus groups
• Churches and youth ministries
• Barber academies and community hubs
• Nonprofits serving men, women, and youth
• Millennial-focused organizations
• Youth sports programs and athletic teams

The model allows organizations to host a single activation or build ongoing quarterly “Headspace Drops” focused on themes such as identity pressure, family weight, anger processing, seasonal stress, and life transitions. This creates rhythm rather than randomness — and builds a culture of check-in over time.

Why Atlanta

Atlanta is a cultural capital. A sports city. A faith city. A center of Black leadership and influence. Excellence, however, does not cancel out emotional weight.

By starting in Atlanta, CAREGD aims to demonstrate what happens when care becomes visible, normalized, and structured inside the Black community. The city serves as one of CAREGD’s flagship CARE•CHECK cities — modeling how cultural spaces can embed emotional check-ins without losing identity, pride, or strength.

The Invitation

Church leaders. Student leaders. Barber educators. Athletic directors. Nonprofit executives. Atlanta is being invited to check in — out loud. Organizations interested in hosting the Drop the Weight Experience and Headspace Song Lab can request partnership information by contacting:

Aniya Williams
info@caregd.com
@checkinginmovement

Atlanta does not need another program. It needs permission — permission to say “I’m not good,” and permission to ask, “Are you really good?” Drop the Weight Atlanta exists to make that permission visible.

About CAREGD

CAREGD (Culture. Care. Connection.) is a cultural care infrastructure organization building CARE•CHECK systems that embed emotional check-ins into sports, faith spaces, campuses, community hubs, and workforce environments. Through experiences like Drop the Weight, Headspace Song Lab, and Checking In — Are You Good?, CAREGD creates scalable, culturally grounded models that normalize conversation before crisis.

As 2026 unfolds, many of the tax and estate planning discussions that once lived in the future have become present-day realities. Changes tied to expiring tax provisions, shifting income thresholds, and reduced estate planning flexibility are now actively influencing retirement outcomes. For retirees with meaningful assets, the impact is no longer hypothetical.

The 2026 Retirement Tax Reset reflects a convergence of forces. Individual income tax pressure is rising for many households. Estate and gift planning flexibility has narrowed. Medicare IRMAA surcharges and Social Security taxation are increasingly tied to income decisions made years earlier. For retirees relying heavily on pretax retirement accounts, these dynamics can compound quickly.

According to Virga, “the greatest risk retirees face in 2026 is not market volatility. It is inertia.”

Many individuals entered retirement with strong investment portfolios but without a coordinated tax strategy. As required distributions increase and income sources stack on top of one another, taxes can consume a growing share of retirement cash flow. Once these distributions begin, options become harder to reverse.

The reset now underway highlights the importance of proactive planning. Even in 2026, opportunities still exist to improve outcomes. Strategic coordination across tax planning, income timing, estate structure, and asset location can help retirees regain control and reduce long term exposure. The difference lies in acting intentionally rather than reactively.

Virga emphasizes that this is not about chasing tactics. It is about understanding how decisions interact. A single move made in isolation can trigger unintended consequences elsewhere, including higher Medicare premiums or increased taxation of Social Security benefits. Coordinated planning seeks to smooth income, manage thresholds, and preserve flexibility across the remaining decades of retirement.

“The reason this topic matters so much is that 2026 is no longer a warning. It is the point of execution,” Virga said. “The choices retirees make this year will shape how much control they maintain over taxes, income, and legacy. I am excited to help families step back, reassess, and move forward with clarity while planning flexibility still exists.

In Vincent’s opinion, retirees most affected by the 2026 Retirement Tax Reset are often homeowners between the ages of 55 and 74 with at least 500,000 in investible assets. Many have accumulated wealth successfully but have not stress tested their plans against higher taxes, longer lifespans, or the full impact of required distributions. For these households, thoughtful planning can materially change outcomes.

About Vincent Virga

Vincent Virga is the Founder and CEO of PFS Wealth Management Group. He began his career on Wall Street in 1990 and later moved to Main Street to help pre-retires and retirees build clear, structured, and tax efficient retirement plans. Over the course of his career, he has advised thousands of families and business owners, focusing on aligning investment strategy, tax planning, income planning, and legacy goals through his S.M.A.R.T. Approach framework.

Outside of his professional work, Vincent applies the same discipline and long term mindset to personal challenges. He has completed an IRONMAN triathlon and the NYC Marathon, achievements that reflect preparation, endurance, and consistency. He brings that same focus to the families he serves each day.

Learn more at www.pfswealthgroup.com

Recent News & Interviews:

• Vincent Virga Discusses Fee and Risk-Efficient Investment Planning: https://authoritypresswire.com/vincent-virga-founder-investment-adviser-representative-of-pfs-wealth-management-group-interviewed-on-podcast-discussing-fee-and-risk-efficient-investment-planning/
• Vincent Virga Discusses Overcoming Fear with Clarity: https://authoritypresswire.com/vincent-virga-founder-investment-adviser-representative-of-pfs-wealth-management-group-on-the-influential-entrepreneurs-podcast-discusses-overcoming-fear-with-clarity/
• Vincent Virga Discusses the S.M.A.R.T. Approach to Retirement on FOX Interview: https://authoritypresswire.com/vincent-virga-founder-of-pfs-wealth-management-group-shares-the-s-m-a-r-t-approach-to-retirement-on-fox-interview/
• Vincent Virga Discusses Tax-Efficient Investing in 2025: Strategic Moves for High-Net-Worth Investors: https://authoritypresswire.com/vincent-virga-ceo-and-financial-adviser-of-pfs-wealth-management-group-on-tax-efficient-investing-in-2025-strategic-moves-for-high-net-worth-investors/
• Vincent Virga Discusses S.M.A.R.T. Legacy Multiplier How High-Net-Worth Retirees Can Turn Taxes into Legacy Assets: https://authoritypresswire.com/vincent-virga-financial-adviser-ceo-of-pfs-wealth-management-group-discussing-s-m-a-r-t-legacy-multiplier-how-high-net-worth-retirees-can-turn-taxes-into-legacy-assets/
• Vicent Virga Discusses Roth Conversions on Steroids: https://authoritypresswire.com/vincent-virga-founder-ceo-of-pfs-wealth-management-group-discussing-roth-conversions-on-steroids/

Insurance products are offered through the insurance business PFS Wealth Management Group. PFS Wealth Management Group is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by PFS Wealth Management Group are not subject to Investment Advisor requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. PFS Wealth Management Group is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by PFS Wealth Management Group. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. A PR firm was paid to assist with media placement. 03728597- 02/26

Curtis Cottle discusses market risk & the sequence of returns trap 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-curtis-cottle-founder-of-sbc-financial-discussing-market-risk-the-sequence-of-returns-trap/

Curtis discussed the risks retirees face when withdrawing funds during market downturns, emphasizing the necessity of having a solid foundation in their investment strategy. Curtis outlined the three pillars of a well-structured portfolio: emergency funds, low-risk investments, and at-risk assets. He stressed the importance of having a balanced approach to ensure that retirees can draw income without jeopardizing their financial security. 

In the realm of retirement planning, one of the most critical yet often overlooked concepts is the sequence of returns risk. This risk refers to the potential negative impact that the order of investment returns can have on a retiree’s portfolio, particularly when withdrawals are made during market downturns. As highlighted in a recent podcast discussion, the difference in outcomes between two couples with similar net worths demonstrates the importance of maintaining a balanced portfolio to mitigate this risk. 

The power of compounding is often celebrated as a cornerstone of wealth accumulation, famously dubbed by Albert Einstein as one of the wonders of the world. However, this principle can also work against retirees who face market volatility early in their retirement. When a retiree experiences a market downturn and simultaneously withdraws funds, the situation creates a potential negative momentum that can be detrimental to the longevity of their portfolio. The losses incurred must not only be recovered but also compounded, meaning that the market must rebound significantly to help restore the portfolio to its previous value. This dynamic illustrates the importance of having a robust, well-structured portfolio that can help market fluctuations without jeopardizing the retiree’s financial security. 

Moreover, the podcast emphasizes the need for retirees to feel safe and secure in their financial decisions. A balanced portfolio provides this reassurance by allowing individuals to navigate market uncertainties with confidence. By diversifying investments across various asset classes—such as stocks, bonds, and cash reserves—retirees can create a foundation that mitigates the risks associated with market volatility. This strategy not only protects against severe losses but also enables retirees to maintain their standard of living without the constant worry of depleting their savings. 

As retirees confront the complexities of market risks, it is essential to develop a comprehensive strategy that addresses these challenges. Financial advisors play a crucial role in guiding individuals toward understanding the implications of sequence of returns risk and implementing prudent financial planning measures. Education in financial literacy, as emphasized by the podcast’s guest, Curtis, is vital for helping retirees to make informed decisions about their portfolios. By seeking out resources and support, individuals can enhance their understanding of investment strategies and the importance of maintaining a balanced approach. 

In conclusion, the sequence of returns significantly impacts retirement stability, and understanding this concept is crucial for effective retirement planning. The order in which returns occur can dramatically influence the longevity of a retirement portfolio, especially when withdrawals are involved. As retirees navigate the complexities of market risks, it is essential to develop a comprehensive strategy that addresses these challenges, seeking to promote financial independence and confidence in retirement. By recognizing the potential pitfalls associated with the sequence of returns and implementing prudent financial analysis measures, individuals can enhance their chances of achieving a more secure retirement. Ultimately, the goal of diversification should not solely be growth but rather a balanced approach that focuses on lessening overall risk, allowing retirees to enjoy their golden years with a disciplined approach to financial planning. 

Curtis shared: “as the market’s going down, they’re still adding money and they’re buying at a discount and they’re getting better and better returns on all the money they’re buying on the way down, which helps it recover. That’s called dollar cost averaging.” 

About Curtis Cottle 

Curtis Cottle is a Certified Financial Fiduciary, visionary growth strategist and founder  of one of Michigan’s fastest-scaling financial services firms. He specializes in retirement planning, estate planning, and strategic tax strategies designed to help families and business owners protect and grow their wealth. 

At the core of his firm’s approach is a deep emphasis on strategic tax planning as it relates to retirement, helping clients keep more of what they’ve earned and build long-term financial confidence. 

He’s the creator of the Wealth Wellness Checkup, a strategy experience that uncovers financial blind spots and can help people make prudent, informed decisions. The firm is built to simplify complexity, bring structure to planning, and aims to deliver personalized strategies that work in the real world. 

With nearly two decades of experience, Curtis focuses on building lasting relationships, and aims to help people pursue financial independence through a disciplined strategy. 

When he’s not driving growth or designing new campaigns, you’ll find him investing in his team, building partnerships, or spending time with his family, living the same values his business is built on: fun, unity, and getting things done. 

Learn more: http://www.gosbc.net/  

Recent News & Interviews

• Curtis Cottle Discussed Taxes Eating Up IRAs and 401(k)s
  https://authoritypresswire.com/curtis-cottle-founder-of-sbc-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-taxes-eating-up-iras-and-401ks/
• Curtis Cottle Discussed Social Security Timing & Strategy
  https://authoritypresswire.com/curtis-cottle-founder-of-sbc-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-social-security-timing-strategy/

DISCLAIMER 

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through SBC Financial. SBC Financial is a separate and unaffiliated entity from Simplicity Wealth. The Certified Financial Fiduciary (CFF) designation, attained by Curtis Cottle, is issued and governed by the National Association of Certified Financial Fiduciaries (NACFF). To attain the CFF, the adviser completed a one-day training course, passed an 80-question exam, and underwent a background check. The adviser pays initial fees for the training/exam and an annual renewal fee to maintain the designation. This payment creates an incentive to obtain and use the designation. The CFF is an educational certification and is not an indicator of the adviser’s investment performance, quality of service, or client experience. This is not endorsed or approved by the Social Security Office or any other Government Agency. This information is provided as general information and is not intended to be specific financial guidance. Before you make any decisions regarding your personal financial situation, you should consult a financial or tax professional to discuss your individual circumstances and objectives. 

Curtis Cottle discusses social security timing & strategy 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-curtis-cottle-founder-of-sbc-financial-discussing-social-security-timing-strategy/

In this episode of Influential Entrepreneurs, Curtis Cottle, the founder of SBC Financial, joined to discuss about the critical topic of social security timing and strategy. Curtis shared his inspiring journey into the financial services industry, which began with a unique entrepreneurial experience in his fifth-grade classroom. He founded SBC Financial in 2008, focusing on helping clients grow their wealth with an emphasis on safety and tax planning. 

Delved into the common concerns surrounding social security, particularly the fear that it may run out of money. Curtis emphasized the importance of looking beyond negative headlines and understanding the financial stability of the Social Security Trust Fund. He explained that even if the trust fund were depleted, the pay-as-you-go system would still provide some stability through tax revenues. 

Social Security was established as a safety net for American citizens, providing a source of income during retirement, disability, or in the event of a loved one’s death. The program is funded through payroll taxes collected from workers and their employers, and is designed to replace a portion of a worker’s pre-retirement income. Despite its foundational role in the American retirement system, the program faces challenges due to demographic shifts, economic fluctuations, and political debates surrounding funding and benefits. 

One of the most pressing concerns among potential retirees is the fear that Social Security will become insolvent. This fear is often fueled by headlines and discussions in the media, which can create a sense of urgency and anxiety. However, as Curtis Cottle emphasizes, it is essential for individuals to focus on what they can control rather than getting caught up in the uncertainties of the future. 

When clients express concerns about the viability of Social Security, Cottle advises them to adopt a proactive mindset. Instead of solely relying on Social Security for their retirement income, individuals should consider it as one component of a broader financial strategy. This approach encourages clients to explore other income sources, such as personal savings, investments, pensions, and other retirement accounts, thereby creating a more diversified and resilient financial plan. 

Timing plays a crucial role in helping increase Social Security benefits. The age at which an individual chooses to start receiving Social Security can significantly impact their monthly benefit amount. For instance, individuals can begin receiving benefits as early as age 62, but doing so could potentially result in reduced monthly payments. Conversely, delaying benefits until age 70 can potentially increase by approximately 8% per year in benefits, which may enhance retirement income in the long run. 

Cottle recommends that clients conduct a thorough analysis of their unique financial situations, including their health, retirement goals, and other income sources, to determine the optimal time to begin receiving Social Security benefits. By taking a strategic approach to timing, clients can enhance their overall retirement income and mitigate the potential impact of any future changes to the Social Security program. 

While concerns about the future of Social Security are valid, individuals can take proactive steps to work toward their financial well-being in retirement. By focusing on strategic planning, understanding the importance of timing, and building a comprehensive financial plan, clients can navigate the uncertainties of the Social Security system with confidence. As Curtis Cottle illustrates through his work at SBC Financial, informing clients with knowledge and resources can be a significant factor in helping them guide toward financial health and a disciplined approach in retirement. Ultimately, the future of Social Security may be uncertain, but a well-structured plan can help provide the stability and assurance individuals need to thrive in their golden years. 

Curtis shared: “So it’s hard to sometimes get an objective look at the social security program, the financial stability, or just even just a clear look at what it really is in a position to do or not do.” 

About Curtis Cottle 

Curtis Cottle is a Certified Financial Fiduciary, visionary growth strategist and founder of one of Michigan’s fastest-scaling financial services firms. He specializes in retirement planning, estate planning, and strategic tax strategies designed to help families and business owners protect and grow their wealth. 

At the core of his firm’s approach is a deep emphasis on strategic tax planning as it relates to retirement, helping clients keep more of what they’ve earned and build long-term financial confidence. 

He’s the creator of the Wealth Wellness Checkup, a strategy experience that uncovers financial blind spots and can help people make prudent, informed decisions. The firm is built to simplify complexity, bring structure to planning, and aims to deliver personalized strategies that work in the real world. 

With nearly two decades of experience, Curtis focuses on building lasting relationships, and aims to help people pursue financial independence through a disciplined strategy. 

When he’s not driving growth or designing new campaigns, you’ll find him investing in his team, building partnerships, or spending time with his family, living the same values his business is built on: fun, unity, and getting things done. 

Learn more: http://www.gosbc.net/  

Recent News & Interviews

• Curtis Cottle Discussed Taxes Eating Up IRAs and 401(k)s
  https://authoritypresswire.com/curtis-cottle-founder-of-sbc-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-taxes-eating-up-iras-and-401ks/

DISCLAIMER
Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through SBC Financial. SBC Financial is a separate and unaffiliated entity from Simplicity Wealth. The Certified Financial Fiduciary (CFF) designation, attained by Curtis Cottle, is issued and governed by the National Association of Certified Financial Fiduciaries (NACFF). To attain the CFF, the adviser completed a one-day training course, passed an 80-question exam, and underwent a background check. The adviser pays initial fees for the training/exam and an annual renewal fee to maintain the designation. This payment creates an incentive to obtain and use the designation. The CFF is an educational certification and is not an indicator of the adviser’s investment performance, quality of service, or client experience. This is not endorsed or approved by the Social Security Office or any other Government Agency. This information is provided as general information and is not intended to be specific financial guidance. Before you make any decisions regarding your personal financial situation, you should consult a financial or tax professional to discuss your individual circumstances and objectives. 

Dr. Jon Randall discusses the ideal client growth: the key to transforming advisory practices 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jon-randall-founder-of-xfa-coach/

Jon emphasized the importance of transformation over mere metrics and KPIs, highlighting that true growth comes from addressing the constraints that hold practices back. He discussed the common issue of capacity, where advisors often have too much on their plates, leading to stunted growth. By focusing on optimizaing client relationships and segmenting clients effectively, advisors can free up capacity and drive higher revenue per client. 

In the ever-evolving landscape of the financial services industry, the quest for growth often leads advisors down a path that can be counterproductive. Many financial advisors are driven by the desire to acquire more clients and increase their assets under management. However, as Dr. Jon Randall, founder of XFA Coach, articulates in a recent podcast, the real key to sustainable growth lies not in the relentless pursuit of quantity but in the strategic focus on ideal client growth. This approach not only enhances profitability but also fosters a transformative experience for both advisors and their clients. 

The financial services industry is rife with ordinary practices that can stifle innovation and growth. Randall’s journey from advisor to consultant underscores a fundamental truth: the most successful advisors are those who are willing to break free from conventional wisdom. His experience working with advisors across the country reveals a common theme: many practices are hampered by a lack of clarity regarding their ideal clients. This lack of focus often leads to an overwhelming number of non-ideal clients, which can drain resources and hinder overall performance. 

One of the core insights from Jon’s experience is the importance of understanding the constraints that hold practices back. He emphasizes that while many advisors seek guidance on acquiring new clients, the real issue often lies in their existing client base. The fear of losing clients, particularly those that may not align with the advisor’s ideal profile, can create a security blanket mentality. Advisors may cling to these clients out of fear, inventing reasons to justify their retention. This behavior can lead to a cluttered practice, where resources are stretched thin, and the potential for growth is stunted. 

To address these challenges, Randall advocates for a shift in mindset. Instead of focusing solely on acquiring more clients, advisors should prioritize identifying and nurturing their ideal clients. This requires a thorough understanding of what constitutes an ideal client for their practice, including factors such as financial goals, values, and compatibility with the advisor’s expertise. By honing in on these characteristics, advisors can streamline their efforts and allocate resources more effectively, ultimately leading to higher revenue per client and enhanced satisfaction for both parties. 

The concept of ideal client growth is particularly relevant in a market where productivity issues are prevalent. Studies, such as those conducted by Cerulli, indicate that a significant percentage of financial advisor practices report challenges stemming from an overabundance of non-ideal clients. This scenario not only affects the advisor’s productivity but also diminishes the quality of service provided to clients. By systematically reducing the number of non-ideal clients and focusing on those who truly benefit from their services, advisors can create a more efficient and fulfilling practice. 

Moreover, the transformational aspect of focusing on ideal client growth cannot be overstated. Advisors who embrace this philosophy often experience a renewed sense of purpose and passion for their work. By serving clients who align with their values and goals, advisors can foster deeper relationships and deliver more meaningful outcomes. This transformation is not just beneficial for advisors; it also enhances the client experience, leading to increased loyalty and referrals. 

Jon shared: “Investment News says the same thing every year. These independent financial advisor practices are getting filled up and it’s stunting growth.” 

In conclusion, the journey toward growth in the financial services industry necessitates a paradigm shift from quantity to quality. By focusing on ideal client growth, advisors can overcome the constraints that hold their practices back and unlock their true potential. As Jon Randall eloquently illustrates, the path to transformation lies in understanding and prioritizing the characteristics of ideal clients, ultimately leading to a more profitable and fulfilling practice. In a world where ordinary is the norm, embracing this approach can set advisors apart and propel them toward extraordinary success. 

About Dr. Jon Randall 

Dr. Jon Randall has been coaching and consulting the fastest-growing financial advisors in the industry since 2004. As a transformational leader, he is passionate about making a positive difference in the industry and has received numerous awards, including multiple Outstanding Leader and Consultant of the Year, and is ranked the #1 Consultant for firms that track results. The average production of practices Jon works with has exceeded $15 million. 

He is a sought-after national presenter at financial services conferences and a published author, with his books The Extraordinary Financial Advisor Practice and Attract More Clients, Better Clients. 

Prior to coaching, Jon was a seasoned financial advisor, where he learned the ins and outs of the industry. Jon has a doctorate degree in Performance Psychology and currently resides in Greenville, North Carolina with his wife, Kathleen, and their two sons, James and William. 

 Learn more – https://www.xfa.coach

Randy Hux, Founder and President of Hux Capital Management, is helping individuals and families simplify retirement and investment decisions through transparent, fiduciary-based financial planning that puts clients’ best interests first. 

Hux was recently featured in an interview on FOX 47’s “The Morning Blend,” where he discussed the importance of clarity, trust, and proactive planning in an increasingly complex financial environment. 

“Financial planning shouldn’t feel confusing or intimidating,” Hux shared during the interview. “When people truly understand their options and know their advisor is legally required to act in their best interest, it changes everything. Confidence replaces uncertainty.” 

With more than two decades of experience in financial services, Hux emphasizes that effective retirement planning goes beyond chasing performance or reacting to headlines. Instead, it requires a thoughtful, long-term strategy that balances math, science, and human understanding. By focusing on proactive money management and disciplined planning, clients are better equipped to navigate market volatility and life transitions with confidence. 

A central theme of Hux’s approach is fiduciary responsibility. As a licensed fiduciary, he prioritizes transparency and education over sales pressure, helping clients understand not only what they’re doing, but why. This clarity allows individuals and families to make informed decisions about retirement income, tax efficiency, insurance planning, Social Security optimization, and legacy goals. 

Hux also highlights the importance of building financial plans that last a lifetime—and beyond. By coordinating investments, income strategies, and estate considerations, families gain greater control over their financial future and peace of mind knowing they’ve addressed potential risks before they become problems. 

“When people have a clear plan and know someone is truly advocating for them, they’re free to focus on living their lives—not worrying about their money,” Hux said. 

Hux Capital Management provides holistic, fiduciary-based financial planning services tailored to each client’s goals and values. Through education, integrity, and personalized guidance, Randy Hux empowers individuals and families to move forward with clarity, confidence, and control. 

About Randy Hux & Hux Capital Management 

Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning. 

As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients’ best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond. 

Under Randy’s leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond. 

Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms. 

Learn more: http://www.huxcapitalmanagement.com  

Recent News & Interviews

• Randy Hux Discussed Building Trust in Financial Advisory https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-interviewed-on-the-influential-entrepreneurs-podcast-discussing-building-trust-in-financial-advisory/
• Randy Hux Discussed Securing Financial Future Through Holistic Planning https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-on-the-influential-entrepreneurs-podcast-discussing-securing-financial-future-through-holistic-planning/
• Randy Hux Discussed Overcoming Financial Fears with Knowledge & Strategy
  https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-on-the-influential-entrepreneurs-podcast-discussing-overcoming-financial-fears-with-knowledge-strategy/
• Randy Hux Discussed Traditional vs Independent Advisors
  https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-interviewed-on-the-influential-entrepreneurs-podcast-discussing-traditional-vs-independent-advisors/

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth. 

Pri Cosentino discusses why January is the most important month for financial, tax, and legacy planning 

Priscila Cosentino, Financial Planner and Wealth Mentor with Fern Prosperity, is bringing attention to a critical yet often overlooked truth: the financial decisions made in January quietly shape the entire year. While many individuals associate financial planning with tax season or year-end deadlines, Cosentino emphasizes that the most impactful work happens much earlier.  

The beginning of the year sets the tone for how money is managed, how decisions are made, and how confidently individuals navigate financial choices over the months that follow. 

Cosentino explains why early, proactive planning around finances, taxes, and legacy is essential for reducing stress, preventing costly mistakes, and creating clarity long before deadlines arrive. January represents a unique window of opportunity—a time when individuals and families are naturally more reflective, motivated, and open to change. With fewer financial pressures and more mental space than later in the year, this period allows for thoughtful evaluation of goals, priorities, and long-term intentions. Rather than reacting to financial pressures as they arise, Cosentino encourages people to approach January as a strategic planning season grounded in purpose and values. 

She also addresses a common question she frequently hears from clients: why so many people feel financially stressed even when they earn a good income. According to Pri, financial stress is rarely about income alone. Instead, it often stems from a lack of alignment between financial decisions and personal values, limited clarity around priorities, and the absence of a cohesive strategy that connects everyday choices with long-term goals and legacy intentions. Without a clear plan, even high earners can feel overwhelmed, uncertain, and reactive. 

Through her work at Fern Prosperity, Cosentino helps individuals and families move from financial stress to confidence and intentional prosperity by integrating education, emotional intelligence, and strategic planning. Her approach empowers clients to make informed decisions, develop a healthier relationship with money, and feel a greater sense of control over their financial lives.  

By addressing both the practical and emotional aspects of wealth, Cosentino supports the creation of sustainable financial plans that promote long-term stability, peace of mind, and a lasting legacy throughout the year and beyond. 

Pri shared: “I feel this topic is so important because January is when people are open, reflective, and willing to plan—but most don’t know where to start. When you approach finances with wisdom instead of urgency, everything changes. Planning early creates clarity, confidence, and freedom throughout the year.” 

About Pri Cosentino 

Priscila Cosentino is a Financial Planner and Wealth Mentor with Fern Prosperity, specializing in financial planning, tax-aware strategies, and legacy planning. With a background in business administration, accounting, and neuroscience, she integrates education, emotional intelligence, and strategy through her proprietary WISE Method—Wisdom, Insight, Strategy, and Enjoy. Priscila is passionate about helping individuals and families move from financial stress to clarity, confidence, and intentional prosperity. 

Learn More: fernprosperity.com  

Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment adviser. VCM and Fern Prosperity LLC are independent of each other.
Information provided is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Financial strategies discussed may not be suitable for all individuals. You are encouraged to consult with a qualified financial, tax, or legal professional regarding your specific situation. Information provided is not intended as tax or legal advice and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. 

Daniel Wachs discusses strategic use of leverage in strategic relationships with advisors 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-daniel-wachs-with-perpetual-wealth-management-strategic-use-of-leverage-in-retirement-planning/

Daniel shared insights on how he collaborates with financial advisors to open doors to high-net-worth individuals, typically those with a minimum net worth of $5 million. He emphasized the importance of offering unique and differentiated strategies to these clients, which helps in building stronger, stickier relationships. 

Leverage, in a financial context, typically refers to the use of borrowed capital to increase the potential return on investment. However, in the discussion led by Daniel, leverage extends beyond financial instruments to include the strategic partnerships and unique offerings that Premium Finance Specialists can present to their clients. This differentiation is crucial in an industry where many advisors offer similar investment strategies and products. By integrating specialized services, such as Premium Finance, advisors can provide their clients with innovative solutions that stand out in a crowded marketplace. 

One of the critical insights shared by Daniel is the importance of differentiation in building lasting client relationships. High-net-worth clients are often inundated with similar pitches from various advisors, leading to a sense of fatigue and skepticism. When an advisor introduces unique and tailored strategies—like those involving Premium Finance—clients are more likely to perceive added value. This differentiation not only piques their interest but also fosters a deeper curiosity to engage and learn the details of the strategies. As Daniel points out, the more services a client implements with an advisor, the “stickier” the relationship becomes. This stickiness is essential in an industry where client loyalty can be fleeting. 

Daniel highlights the role of strategic alliances in enhancing the advisor-client dynamic. By collaborating with specialists like himself, advisors can introduce their clients to advanced financial strategies without needing to become experts themselves. This symbiotic relationship allows advisors to maintain their focus on managing client relationships while still offering innovative solutions. For instance, when an investment advisor partners with a Premium Finance specialist, they can provide their clients with opportunities that may lead to significant financial benefits—potentially generating another income source for the advisors involved. 

This model not only creates a win-win situation but also reinforces the advisor’s role as a trusted resource. Clients appreciate when their advisors can bring in experts to address specific needs, which enhances the overall perception of the advisor’s value and expertise. 

A pivotal aspect of leveraging specialized knowledge is client education. Daniel articulates a philosophy centered on educating clients about the strategies being presented to them. This education empowers clients, enabling them to make informed decisions based on a comprehensive understanding of their options. Daniel notes that even if a client ultimately decides not to engage in a particular strategy, the act of educating them fosters a positive relationship. 

Daniel explains: “Advisors may lack the rapport and connections necessary to engage high-net-worth clients effectively. Instead, advisors who have established relationships and credibility in the industry are better positioned to leverage specialized services. This strategic targeting ensures that the partnerships formed are mutually beneficial and can lead to enhanced client experiences.” 

In conclusion, the strategic use of leverage in financial advisory not only enhances the services offered to clients but also strengthens the advisor-client relationship. By differentiating their offerings, forming strategic alliances with specialists, and prioritizing client education, advisors can create a more robust and lasting connection with their clients. As the financial landscape continues to evolve, embracing innovative strategies like Premium Finance will be essential for advisors seeking to maintain relevance and foster loyalty among high-net-worth individuals. Ultimately, leveraging unique expertise not only benefits the advisor’s practice but also enriches the client experience, creating a cycle of trust and engagement that is invaluable in the world of finance. 

Daniel Wachs 

Daniel has worked in the insurance and financial services business since 1995. He is the founder of Perpetual Wealth Management, LLC and the Perpetual Wealth System for Premium financing transactions. Daniel’s business has been focused on Premium Financing for the last 15 years. Daniel is a National Vendor for Premium Finance Strategies, representing multiple life insurance carriers and finance lenders. Perpetual Wealth Management has funded over $2 Billion of Death Benefit and has over $750 million of funded and/or committed capital loans outstanding, with multiple finance lenders. Daniel works around the country with IMO’s, agents and HNW clients to implement these concepts. His main focuses entail Estate & Charitable Planning – Business Planning and Supplemental Income Planning. He has spoken at many industry events on the topic of Premium Financing. Daniel works and lives in Chicago with his wife, Anna Marie, and has three children, Isabelle, Alexandra, and Andrew. 

If you are interested in learning more about Premium Financing and how these concepts can be implemented in your practice or financial plan, please book a no obligation 30-minute conversation with me.  

Learn more: http://www.perpetualwm.com/  

Recent News & Interviews

• Daniel Wachs discussed Premium Finance: Leveraged Life Insurance
  https://authoritypresswire.com/daniel-wachs-founder-of-perpetual-wealth-management-interviewed-on-the-influential-entrepreneurs-podcast-discusses-premium-finance-leveraged-life-insurance/
• Daniel Wachs discussed Navigating the Complexities & Fears of Premium Finance
  https://authoritypresswire.com/daniel-wachs-founder-of-perpetual-wealth-management-interviewed-on-influential-entrepreneurs-podcast-discussing-navigating-the-complexities-fears-of-premium-finance/

Daniel Wachs discusses navigating the complexities and fears of Premium Finance 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-daniel-wachs-with-perpetual-wealth-management-navigating-the-complexities-and-fears-of-premium-finance/

Daniel provided a comprehensive overview of the risks associated with Premium Financing, such as fluctuating interest rates and policy performance. He emphasized the importance of flexibility in plan design to mitigate these risks. The podcast also discussed the necessity of collateral in securing loans and the various forms it can take, from cash and investment portfolios to letters of credit. 

In the world of financial management, Premium Financing has emerged as a strategic tool that allows individuals and businesses to leverage their insurance premiums while retaining capital to be utilized for other opportunities. However, as discussed in Daniel’s second podcast episode, the complexities and risks surrounding Premium Financing necessitate careful planning and a comprehensive understanding of the process. 

Premium Financing is not merely a financial transaction; it is a multifaceted strategy that requires thoughtful consideration and meticulous structuring. Daniel emphasizes that the decision to engage in Premium Financing should not be made lightly or hastily. Unlike simple financial decisions that can be researched online or discussed in a brief meeting with a financial advisor, Premium Financing involves a series of intricate steps that demand time, effort, and expertise. 

One of the primary concerns individuals often express when contemplating Premium Financing is the fear of the unknown. The process can seem daunting, particularly for those who are not well-versed in financial strategies. Questions such as “Is this too good to be true?” or “What if it doesn’t work?” frequently arise. These fears highlight the importance of thorough education and preparation. Individuals must understand the mechanics of Premium Financing, including the potential risks and rewards. This understanding is crucial in alleviating fears and building confidence in the strategy. 

Moreover, Daniel emphasizes strategic planning in the Premium Financing process. Engaging in Premium Financing without a well-thought-out plan can lead to unforeseen complications and financial setbacks. It is essential for individuals to work closely with a Premium Finance Specialist who possesses the expertise to navigate the complexities of the strategy. 

In addition to the need for professional guidance, the podcast discusses the importance of patience and persistence in the Premium Financing journey. The process requires time to yield benefits and individuals must have the patience for the long-term results to develop. This aspect can be particularly challenging for those accustomed to short-term results. 

Ultimately, the key takeaway from the podcast is that Premium Financing is not a one-size-fits-all solution. Each individual’s financial landscape is unique, and as such, Premium Financing strategies must be tailored to fit specific circumstances. This level of customization necessitates a careful and deliberate planning process, where concerns can be addressed and managed through education, professional support, and a commitment to understanding the intricacies of the strategy. 

In conclusion, Premium Financing represents a powerful financial tool, but it must be managed. The podcast featuring Daniel Wachs serves as a valuable reminder that careful planning is essential for navigating ever changing economic landscape. By working with experts, such as Daniel, and fostering the correct mindset, individuals can unlock the potential of Premium Financing while minimizing risks and maximizing benefits. 

Daniel shared: “I think the fear is also related to, what are the risks of the strategy? I want to start there and just say, here’s the risk and here’s what we try to mitigate through. The main risk that come to my mind whenever you’re borrowing funds to pay the premiums is of course interest rates.” 

About Daniel Wachs  

Daniel has worked in the insurance and financial services business since 1995. He is the founder of Perpetual Wealth Management, LLC and the Perpetual Wealth System for Premium Financing transactions. Daniel’s business has been focused on Premium Financing for the last 15 years. Daniel is a National Vendor for Premium Finance Strategies, representing multiple life insurance carriers and finance lenders. Perpetual Wealth Management has funded over $2 Billion of Death Benefit and has over $750 million of funded and/or committed capital loans outstanding, with multiple finance lenders. Daniel works around the country with IMO’s, agents and HNW clients to implement these concepts. His main focuses entail Estate & Charitable Planning – Business Planning and Supplemental Income Planning. He has spoken at many industry events on the topic of Premium Financing. Daniel works and lives in Chicago with his wife, Anna Marie, and has three children, Isabelle, Alexandra, and Andrew. 

If you are interested in learning more about Premium Financing and how these concepts can be implemented in your practice or financial plan, please book a no obligation 30-minute conversation with me. 

Learn more: http://www.perpetualwm.com/  

Recent News & Interviews

• Daniel Wachs discussed Premium Finance: Leveraged Life Insurance
  https://authoritypresswire.com/daniel-wachs-founder-of-perpetual-wealth-management-interviewed-on-the-influential-entrepreneurs-podcast-discusses-premium-finance-leveraged-life-insurance/

Randy Hux discusses traditional vs independent advisors 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-traditional-vs-independent-advisors/

Discussed the importance of a fiduciary relationship, where the advisor’s primary responsibility is to act in the client’s best interest. Randy explained how independent advisors are held to stricter standards, ensuring that their recommendations are not influenced by potential commissions or bonuses from brokerage firms. 

In the landscape of financial planning and investment management, the choice between traditional and independent financial advisors is pivotal for individuals seeking effective retirement advice. While many consumers may not initially recognize the distinctions between these two types of advisors, understanding the nuances can lead to more informed decisions about one’s financial future. Independent advisors, in particular, stand out for their ability to offer personalized strategies tailored to the unique needs of each client. 

One of the primary differences between traditional and independent advisors lies in their operational frameworks. Traditional advisors, often affiliated with larger financial institutions, typically offer a limited range of products and services. Their recommendations may be influenced by proprietary offerings, which can create a conflict of interest. In contrast, independent advisors, such as those at Hux Capital Management, operate without the constraints of a corporate agenda. This freedom allows them to provide a wider array of options and strategies that are not solely focused on selling specific products. 

The personalized approach of independent advisors is particularly beneficial when addressing the complex financial needs of clients. As Randy explains in the podcast, independent advisors conduct thorough analyses of their clients’ financial situations, employing detailed questionnaires to gather pertinent information. This process is essential for understanding each client’s unique circumstances, goals, and challenges. The more information clients provide, the more tailored the strategies can be, ultimately leading to better outcomes. This level of personalization is often absent in traditional firms, where advisors may be more focused on meeting sales quotas or promoting specific financial products. 

Another key advantage of independent advisors is their commitment to long-term client relationships. Unlike traditional advisors, who may prioritize transactional interactions—where they earn commissions on the products they sell—independent advisors focus on building trust and providing ongoing support. As Hux emphasizes, they are not driven by transactions but rather by the desire to help clients navigate their financial journeys over time. This approach fosters a collaborative environment where clients feel empowered to discuss their financial concerns and aspirations openly. 

Furthermore, independent advisors are better equipped to address a variety of financial issues beyond mere investment management. Clients often seek guidance on tax strategies, retirement planning, estate planning, and more. Independent advisors have the flexibility to explore diverse strategies that align with a client’s financial goals, whether that means optimizing tax savings or developing comprehensive retirement plans. This holistic perspective is crucial for clients who wish to ensure their financial well-being not only today but also for years to come. 

Randy shared: “When someone is looking for a retirement advice, I think that they don’t even know to ask that question. A lot of people assume that financial advisors work the same old way. What’s the real difference between a traditional advisor and an independent advisor?” 

In conclusion, independent financial advisors offer a distinct advantage through their personalized strategies, which cater to the individual needs of clients. By operating independently from larger institutions, they can provide a broader range of options and maintain a focus on building long-term relationships. Their commitment to understanding each client’s unique financial situation and goals enables them to deliver tailored advice that can lead to more favorable outcomes. For individuals seeking retirement advice or comprehensive financial planning, choosing an independent advisor may be the key to unlocking a more personalized and effective financial strategy. 

About Randy Hux 

Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning. 

As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients’ best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond. 

Under Randy’s leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond. 

Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms. 

Learn more: http://www.huxcapitalmanagement.com/  

Recent News & Interviews

• Randy Hux Discussed Building Trust in Financial Advisory https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-interviewed-on-the-influential-entrepreneurs-podcast-discussing-building-trust-in-financial-advisory/
• Randy Hux Discussed Securing Financial Future Through Holistic Planning https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-on-the-influential-entrepreneurs-podcast-discussing-securing-financial-future-through-holistic-planning/
• Randy Hux Discussed Overcoming Financial Fears with Knowledge & Strategy
  https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-on-the-influential-entrepreneurs-podcast-discussing-overcoming-financial-fears-with-knowledge-strategy/

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth. 

Bill Wilson discusses how to create a sustainable income 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-bill-wilson-president-of-wilson-financial-group-discussing-how-to-create-sustainable-income/

Retirement is often viewed as the pinnacle of one’s career journey—a time to relax, travel, and enjoy the fruits of years of hard work. However, the transition from accumulating wealth to drawing down that wealth can be fraught with challenges. As Bill Wilson, president of Wilson Financial Group, emphasizes in a recent podcast episode, the key to a successful retirement lies not just in reaching the summit of retirement age but in effectively managing income throughout the retirement years. 

At the heart of a successful retirement plan is the concept of sustainable income. Sustainable income is the amount of money you can withdraw from your retirement savings each year without depleting your resources prematurely. It is essential to distinguish between “have-tos” and “want-tos.” The former includes fixed expenses such as housing, food, utilities, insurance, and healthcare—expenses that must be met regardless of market conditions. The latter encompasses discretionary spending, such as travel and leisure activities, which can be adjusted based on available resources. 

To create a reliable income stream, retirees must focus on building a “lifetime income floor.” This floor is typically composed of guaranteed income sources such as Social Security, pensions, and lifetime annuities. These sources provide a safety net that covers essential expenses, allowing retirees to enjoy their desired lifestyle without the constant worry of financial instability. 

One of the significant risks in retirement planning is longevity risk—the possibility of outliving one’s savings. As people live longer, it becomes increasingly important to plan for income that lasts throughout their retirement years. Strategies such as longevity insurance, including Qualified Longevity Annuity Contracts (QLACs) and deferred income annuities, can provide additional layers of financial security. These products allow retirees to defer income until later in life, thereby protecting against the risk of running out of money in advanced age. 

Another effective strategy for managing retirement income is layering. Instead of locking in all retirement savings into a single income stream at once, retirees can benefit from a staggered approach. This involves creating multiple income sources that can be tapped at different stages of retirement. For example, retirees can combine early income from investments with later income from annuities, allowing for adjustments based on market conditions and personal needs. 

Flexibility is crucial in retirement income planning. The traditional 4% withdrawal rule, which suggests retirees can safely withdraw 4% of their portfolio annually, may not hold up in today’s volatile market. Instead, applying a flexible draw strategy—where retirees adjust their withdrawals based on market performance and personal circumstances—can help preserve capital and ensure that income lasts longer. This may involve reducing spending in years of poor market performance or withdrawing from cash reserves or bonds during downturns. 

Inflation is another critical factor that can erode purchasing power over time. To combat this, retirees should maintain some exposure to growth-oriented investments, such as equities, which can provide returns that outpace inflation. Additionally, Social Security benefits often include cost-of-living adjustments (COLAs), which help keep pace with rising costs. Retirees can also consider income annuities that allow for increases over time or delay the start of income payments to enhance future cash flow. 

The journey through retirement is akin to descending from Mount Everest. While reaching the summit is a significant achievement, the real challenge lies in navigating the descent safely and effectively. A well-structured retirement income plan is essential for overcoming the various challenges that retirees face, including taxes, inflation, and health care costs. By focusing on sustainable income, utilizing longevity insurance, layering income sources, and maintaining flexibility, retirees can create a financial strategy that not only supports their lifestyle but also provides peace of mind throughout their retirement years. 

In summary, planning for income throughout retirement requires a comprehensive and proactive approach. By addressing potential risks and creating a diversified income strategy, individuals can ensure that their retirement is not only enjoyable but also financially secure. 

Bill shared: “my model, my company is I help people get to retirement, but through retirement. And so, income is lifestyle and incomes, everything. And, I share with people that, when it comes to retirement income that you truly cannot live you’ve got to focus on longevity.” 

About Bill Wilson 

Wilson Financial Group focuses on helping people keep what they work hard for when it comes to their retirement. It’s about how people get from where you are right now to where they want to be. It is about achieving their personal financial goals and enabling them to enjoy the fruits of their labors without having to worry if tomorrow will be a good or bad day in the markets. It is important to plot their path, have a plan for how to get there and get the right advice along the way. “We Help Clients Get to Retirement and Through Retirement.” 

 Learn More: https://wilsonfinancialgrp.com/  

Recent News & Interviews:

• Bill Wilson discussed How to get to and Through Retirement https://authoritypresswire.com/interview-with-bill-wilson-president-of-wilson-financial-group-on-the-influential-entrepreneurs-podcast-discussing-how-to-get-to-and-through-retirement/
• Bill Wilson discussed Guaranteed Income  https://authoritypresswire.com/interview-with-bill-wilson-president-of-wilson-financial-group-on-the-influential-entrepreneurs-podcast-discussing-guaranteed-income/
• Bill Wilson discussed Estate Planning https://authoritypresswire.com/interview-with-bill-wilson-president-of-wilson-financial-group-on-the-influential-entrepreneurs-podcast-discussing-estate-planning/

No Rendering of Advice. The information contained is provided for informational purposes only and is not intended to substitute for obtaining accounting, tax, or financial advice from a professional accountant. 

Presentation of the information via the Internet is not intended to create, and receipt does not constitute, an accountant-client relationship. Internet subscribers, users and online readers are advised not to act upon this information without seeking the service of a professional accountant. Any U.S. federal tax advice contained in this website is not intended to be used for the purpose of avoiding penalties under U.S. federal tax law. 

While we use reasonable efforts to furnish accurate and up-to-date information, we do not warrant that any information contained in or made available through this website is accurate, complete, reliable, current or error-free. 

We assume no liability or responsibility for any errors or omissions in the content of this website or such other materials or communications.

Daniel Wachs discusses Premium Finance

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-daniel-wachs-with-perpetual-wealth-management-leveraging-premium-finance/

In this episode of Influential Entrepreneurs, Daniel Wachs, owner and founder of Perpetual Wealth Management, speaks about leveraging life insurance through Premium Finance, which is exclusively designed for high-net-worth individuals. Daniel shared his extensive background in the financial services industry, starting at Northwestern Mutual in 1995 and eventually becoming an independent broker specializing in Premium Finance strategies for the past 15 years.

He explained the concept of Premium Finance, which involves using third-party lenders to finance larger loans to pay insurance premiums on behalf of clients. This strategy is particularly suited for high-net-worth individuals, typically those with a net worth of around $5 million or more, due to the substantial premiums involved.

In the realm of financial services, Premium Financing has emerged as a sophisticated strategy that less than 2% of the population qualifies for. This approach allows these individuals to preserve their wealth and also enhances their financial strategies. As discussed in Dan’s 1^st podcast, understanding the intricacies of Premium Financing can provide significant benefits that traditional financial strategies often overlook.

Premium Financing is a method whereby a high-net-worth individual uses a third-party lender to finance life insurance premiums on his or her behalf. The loans are secured against the cash value of the insurance policy. This strategy allows clients to reduce their outlay, so they can invest their capital to potentially yield more than the cost of the loan.

High net worth individuals often have access to investment opportunities that require significant capital. By utilizing Premium Financing, they can keep their capital invested in higher-yielding assets while still securing the benefits of a life insurance policy. This dual approach allows them to optimize their financial portfolio, enhancing both growth and protection.

Benefits of Premium Financing

1. Retained Capital: One of the most significant advantages of Premium Financing is retained capital. By borrowing to pay premiums and paying a much smaller fee through interest, HNWIs can keep their money invested in their business or allocate their funds to alternative investments. This strategy not only maintains liquidity but also allows for more strategic investment opportunities.
2. Tax Efficiency: Life insurance policies can provide tax advantages, including tax-free death benefits and tax-deferred cash value growth. When structured properly, Premium Financing can increase these benefits, allowing clients to optimize their tax strategies and potentially reduce their overall tax liabilities.
3. Leverage: Premium Financing allows high net worth individuals to leverage their wealth. Clients may amplify their financial plan by paying interest rather than large premiums. This leverage can be particularly beneficial in estate planning, where the life insurance policy can provide liquidity to cover estate taxes, ensuring that more of the estate is passed on to heirs.
4. Flexibility and Customization: As Daniel Wachs emphasized in the podcast, Premium Finance Specialists will tailor strategies to meet the unique needs of each client. This flexibility ensures that the chosen strategy aligns with the client’s overall financial plan, taking into account their specific goals and circumstances.
5. Access to Better Rates: By working with multiple carriers and financial institutions, Premium Finance intermediaries can often secure better loan terms and interest rates for their clients. This competitive edge can further enhance the benefits of Premium Financing, making it a more attractive option for HNWIs.

The Premium Financing Concept is a powerful tool for high-net-worth individuals looking to enhance their financial strategies. By leveraging life insurance policies through borrowed funds, clients can preserve capital, optimize tax strategies, and maintain flexibility in their financial planning. As the financial landscape continues to evolve, Premium Financing offers a unique opportunity for affluent clients to navigate their wealth management in a way that aligns with their long-term goals. Understanding and implementing this strategy can lead to significant advantages, highlighting the importance of working with knowledgeable financial professionals who can provide tailored solutions to meet individual needs.

Daniel shared: “My job as a finance specialist is to make sure the policies are designed properly and to make sure the policies get funded and are performing to provide the benefits to the client and pay the lender back.”

About Daniel Wachs

Daniel has worked in the insurance and financial services business since 1995. He is the founder of Perpetual Wealth Management, LLC and the Perpetual Wealth System for Premium Financing transactions. Daniel’s business has been focused on Premium Financing for the last 15 years. Daniel is a National Vendor for Premium Finance Strategies, representing multiple life insurance carriers and finance lenders. Perpetual Wealth Management has funded over $2 Billion of Death Benefit and has over $750 million of funded and/or committed capital loans outstanding, with multiple finance lenders. Daniel works around the country with IMO’s, agents and HNW clients to implement these concepts. His main focuses entail Estate & Charitable Planning – Business Planning and Supplemental Income Planning. He has spoken at many industry events on the topic of Premium Financing. Daniel works and lives in Chicago with his wife, Anna Marie, and has three children, Isabelle, Alexandra, and Andrew.

If  interested in learning more about Premium Financing and how these concepts can be implemented please book a no obligation 30-minute conversation with me.

Learn more: http://www.perpetualwm.com/

Greg DuPont, founder of Advocate Wealth Solutions, is helping families bring clarity, protection, and confidence to their financial and estate planning decisions by addressing risks before they become crises. 

DuPont was recently featured in an interview on FOX 47’s “The Morning Blend,” where he discussed the importance of proactive planning and how thoughtful legal and financial coordination can help families avoid unnecessary loss, conflict, and uncertainty. 

“Most families don’t lack effort—they lack clarity,” DuPont shared during the interview. “Good planning isn’t about reacting when something goes wrong. It’s about making clear, informed decisions early, so your family is protected no matter what life brings. 

Effective planning, DuPont explains, goes far beyond documents or isolated financial strategies. Proper protection requires understanding how legal structures, financial decisions, and family dynamics intersect over time. Without that coordination, families often face unintended consequences that could have been avoided with proper guidance. 

A cornerstone of DuPont’s approach is helping clients slow down and think clearly before acting. By leading with education and diagnosis rather than pre-packaged solutions, families gain a deeper understanding of their options—and the confidence to move forward intentionally. This proactive mindset helps reduce financial losses, prevent unnecessary disputes, and ensure that long-term decisions remain sensible years or decades into the future. 

DuPont also emphasizes that planning is ultimately about people, not money. Whether working with young families, business owners, or retirees, his goal is to align legal and financial strategies with real-life priorities—protecting loved ones, preserving legacy, and creating peace of mind. 

“When families know they’ve addressed the major risks and have a clear plan in place, they’re free to focus on living their lives—not worrying about what they missed,” DuPont said. 

Advocate Wealth Solutions provides integrated guidance designed to help families make confident decisions today while protecting what matters most tomorrow. Through education-driven conversations and long-term stewardship, Greg DuPont helps clients replace uncertainty with clarity and move forward with purpose. 

About Greg DuPont & Advocate Wealth Solutions 

Greg DuPont is an estate planning attorney, comprehensive financial advisor, and entrepreneur dedicated to helping families protect what matters most—while making confident, informed decisions about their future. 

As the founder of DuPont Law Group and a leader behind The Wealth Solutions Network and Advocate Wealth Solutions, Greg works with individuals and families who want more than documents or disconnected financial advice. His work focuses on clarity, protection, and long-term stewardship—helping clients reduce financial loss, avoid unnecessary conflict, and align their wealth with the lives they actually want to live. 

Greg is known for taking complex legal and financial topics and translating them into clear, practical guidance. His approach is intentionally different: instead of selling products or pushing pre-packaged solutions, he leads with education, diagnosis, and trust. Clients often describe him as calm, strategic, and deeply invested in helping them think clearly before acting. 

Over the course of his career, Greg has advised thousands of families on estate planning, wealth protection, retirement strategy, and legacy design. His work emphasizes proactive planning—addressing risks before they become crises—and helping clients make decisions today that still make sense decades from now. 

At the center of Greg’s philosophy is a simple belief: good planning isn’t about money—it’s about people, responsibility, and peace of mind. Whether working with young families, business owners, or retirees, his goal is the same: to replace uncertainty with confidence and help families move forward with intention. 

Greg lives and works by a mission to impact one million families by protecting legacies, reducing avoidable financial loss, and elevating the way people experience planning. When he’s not working with clients or building new initiatives, he is focused on teaching, mentoring advisors, and creating systems that make high-quality planning more accessible and human. 

Learn more: https://www.advocatewealthsolutions.com  

Recent News & Interviews:

• Greg DuPont discussed Coordinating Financial Tax and Estate Decisions https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-coordinating-financial-tax-and-estate-decisions/
• Greg DuPont discussed How to get to and Through Retirement Achieving Peace of Mind in Retirement https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-achieving-peace-of-mind-in-retirement/
• Greg DuPont discussed Avoiding Unintended Consequences https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-avoiding-unintended-consequences/
• Greg DuPont discussed Making Informed Financial Decisions https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-making-informed-financial-decisions/

The information provided by Greg DuPont is intended for general informational and educational purposes only and does not constitute legal, tax, investment, or financial advice. Nothing discussed should be relied upon as a substitute for individualized advice from qualified legal, tax, or financial professionals. All planning strategies and concepts are general in nature and may not be suitable for every individual or situation. 

Any references to financial strategies, investments, or planning concepts are not intended as a recommendation, solicitation, or offer to buy or sell any securities or financial products. Advisory services are offered only pursuant to an advisory agreement and where permitted by law. Past performance is not indicative of future results. 

Participation in this content does not create an attorney-client or advisor-client relationship. Outcomes depend on individual circumstances, applicable laws, and market conditions, which are subject to change. 

Randy Hux discusses overcoming financial fears with knowledge and strategy 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-overcoming-financial-fears-with-knowledge-and-strategy/

Randy shared insights into the common fears people face, particularly the anxiety of whether they can retire safely without running out of money. He emphasized the importance of building trust with clients, noting that financial conversations require clarity and simplicity. Drawing from his experience as a former college baseball coach, Randy highlighted the need to educate clients without overwhelming them with jargon, ensuring they understand their financial strategies. 

He also discussed the skepticism many clients have due to horror stories they’ve heard about the financial services industry. Randy reassured listeners that transparency and accountability are at the core of his practice. He believes in taking full responsibility for client outcomes and addressing any misinformation directly. 

At the core of financial apprehension lies the fear of not being able to retire safely without running out of money. This anxiety is compounded by the overwhelming nature of financial information available today. Clients often feel lost in a sea of numbers, terms, and strategies that seem designed for experts rather than the average person. Hux emphasizes that the key to overcoming these fears is not merely to provide information but to ensure that clients understand it. This understanding is crucial in building trust, as clients need to feel secure in their financial decisions and the professionals guiding them. 

The Role of Communication 

Effective communication is paramount in the financial advisory process. As Hux notes, financial advisors must remember the principle that “when you confuse, you lose.” Many advisors may not realize that their explanations can often be laden with jargon that alienates clients rather than educating them. Instead of assuming a baseline level of knowledge, advisors should approach each client interaction as an opportunity to educate from the ground up. This involves distilling complex financial concepts into simpler terms that clients can grasp without feeling overwhelmed. 

Trust is a cornerstone of any successful advisor-client relationship. Clients are more likely to trust an advisor who takes the time to explain concepts clearly and ensures that they understand the information being presented. Hux’s approach involves regularly checking in with clients to confirm their understanding, asking questions like, “Did that make sense to you?” This not only reinforces the information shared but also demonstrates a commitment to the client’s comprehension and comfort level. 

Moreover, clients appreciate a straightforward approach that avoids unnecessary complexity. Hux’s philosophy is to keep financial discussions clear and concise, ensuring that clients do not feel talked down to or overwhelmed. By providing reassurance and simplifying the information, advisors can help clients feel more confident in their decisions and the strategies being employed on their behalf. 

In an increasingly complex financial landscape, the ability to simplify concepts is essential for building trust between financial advisors and their clients. By prioritizing clear communication, foundational education, and ongoing support, advisors can help clients overcome their financial fears and feel empowered in their decision-making. The insights shared by Randy Hux highlight that the path to trust is paved with simplicity and understanding, ultimately leading to stronger, more productive relationships in the world of financial planning. 

Randy shared: “because retirement is all about income. You’ve worked hard. You’ve got this nest egg. You’re protective of it as you should be. And you want to make sure that it’s in the right hands with the right and trusted professional. And that takes time to build trust with people.” 

About Randy Hux 

Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning. 

As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients’ best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond. 

Under Randy’s leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond. 

Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms. 

Learn more: http://www.huxcapitalmanagement.com/  

Recent News & Interviews

• Randy Hux Discussed Building Trust in Financial Advisory https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-interviewed-on-the-influential-entrepreneurs-podcast-discussing-building-trust-in-financial-advisory/
• Randy Hux Discussed Securing Financial Future Through Holistic Planning https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-on-the-influential-entrepreneurs-podcast-discussing-securing-financial-future-through-holistic-planning/

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth. 

Randy Hux discusses securing a financial future through holistic planning 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-securing-financial-future-through-holistic-planning/

Randy emphasized that holistic planning at Hux Capital Management is not just a buzzword but a comprehensive approach that touches on every aspect of a person’s estate. He clarified that estate planning is not exclusive to the ultra-wealthy; even those with modest assets can benefit from a well-rounded financial strategy. 

In an era where financial jargon often overwhelms individuals seeking security and stability, the concept of holistic planning emerges as a beacon of clarity. Holistic planning transcends traditional financial management by considering the entirety of a person’s financial landscape, rather than focusing on isolated components. This comprehensive approach not only addresses immediate financial needs but also lays the groundwork for a secure and sustainable financial future. 

Randy shared: “It’s not a buzzword for us. It truly is holistic from the standpoint that we try to touch on every single aspect of a person’s estate. And believe it or not, no matter how much money you have, you have an estate.” 

Understanding Holistic Planning 

At its core, holistic planning involves examining every aspect of an individual’s financial life. As Randy Hux, founder and president of Hux Capital Management, elucidates, holistic planning encompasses a wide array of financial elements, including estate planning, investment strategies, insurance needs, and tax implications. It is crucial to recognize that every individual possesses an estate, regardless of their financial standing. This understanding dismantles the misconception that estate planning and related services are exclusive to the wealthy, thereby opening the door for many to benefit from comprehensive financial strategies. 

The holistic approach integrates various financial disciplines, ensuring that all components work synergistically. For instance, when planning for retirement, it is not enough to simply focus on saving; one must also consider the implications of required minimum distributions (RMDs), potential tax burdens, and the impact of Medicare. By addressing these interconnected elements, holistic planning helps individuals make informed decisions that safeguard their financial future. 

The Role of a Family Office 

A significant aspect of holistic planning is the concept of a family office, traditionally reserved for high-net-worth individuals. However, Hux Capital Management challenges this norm by offering family office services to a broader clientele. The essence of a family office lies in its ability to coordinate various financial services, including collaboration with attorneys and CPAs, to provide a cohesive strategy tailored to the client’s unique circumstances. 

This collaborative approach is akin to a chess game, where each move must be carefully considered in the context of the entire board. Just as a chess player evaluates the potential consequences of each move, individuals must assess how their financial decisions will impact their overall strategy. By employing a holistic planning framework, clients can avoid pitfalls that may arise from isolated decision-making, such as triggering unnecessary taxes or penalties. 

The Importance of Comprehensive Support 

Holistic planning is not merely about financial products; it is about providing comprehensive support to clients. This includes educating them about various financial concepts and ensuring they understand the implications of their decisions. As Hux emphasizes, the goal is to empower clients with knowledge, enabling them to navigate their financial landscape confidently. 

Moreover, the flexibility of holistic planning allows for personalized strategies that align with each client’s values and goals. Whether working with existing professionals or utilizing in-house expertise, the priority remains the same: to serve the client’s best interests. This client-centric approach fosters trust and collaboration, essential components for a successful financial journey. 

In conclusion, holistic planning stands as a vital strategy for securing a financial future. By considering the entirety of an individual’s financial situation and fostering collaboration among various professionals, holistic planning equips clients with the tools and knowledge necessary to make informed decisions. This comprehensive approach not only mitigates risks but also maximizes opportunities for growth and stability. As individuals navigate the complexities of their financial lives, embracing holistic planning can lead to a more secure and prosperous future. 

About Randy Hux 

Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning. 

As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients’ best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond. 

Under Randy’s leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond. 

Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms. 

Learn more: http://www.huxcapitalmanagement.com/  

Recent News & Interviews

• Randy Hux Founder Discussed Building Trust in Financial Advisory https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-interviewed-on-the-influential-entrepreneurs-podcast-discussing-building-trust-in-financial-advisory/

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth. 

After 45 years in the healing profession, Ann M Wilkinson, Fascial Integration Specialist, steps forward to help Americans reclaim their bodies, their longevity, and their freedom. 

For more than four decades, Ann M Wilkinson, Founder of Amoga Life and Osteopathic Physical Therapist, has been quietly observing a dramatic shift in the health of the American population. With 45 years of hands-on experience treating thousands of patients failed by conventional systems, Wilkinson has reached a bold conclusion: true health has been taken out of the home, stripped from individuals, and placed into the hands of an insurance-driven model that limits healing instead of advancing it. 

Now she is stepping forward with a powerful mission to bring health back where it belongs. Her message to the public is both empowering and urgent. You can feel better than ever at any age. You can defy what you have been told about aging. And you can take back command of your body by understanding it better than any other subject in your life. 

A National Movement Rooted in Ancient Wisdom and Modern Truth 

Wilkinson teaches that true wellness begins with knowledge and personal sovereignty. The human body was never meant to be mysterious. Ancient civilizations, earlier generations, and traditional healing systems understood how to maintain health, prevent stagnation, and correct dysfunction long before insurance companies began dictating care plans. 

According to Wilkinson, stagnation in the body is one of the greatest hidden threats to modern health. Blockages can be physical, circulatory, emotional, or mental. When these blockages are addressed using time-tested principles, the body often responds with remarkable speed. 

The Amoga Life approach draws from:
• European physiotherapy
• 3,500-year-old ancient healing techniques
• Herbal and homeopathic understanding
• Structural alignment principles
• Non-invasive corrective methods focused on restoring flow 

These are the tools Wilkinson has used to help patients achieve outcomes they were told were impossible. She has witnessed individuals recover mobility, avoid surgery, reduce long-term inflammation, eliminate chronic pain, and reclaim their vitality after years of struggle. 

Restoring Confidence, Clarity, and Freedom 

Wilkinson notes that the professions of physical therapy and massage therapy have been reshaped by decades of insurance influence. Statutes and reimbursement structures often encourage treatments that increase complications instead of addressing core dysfunction. This shift has contributed to the steady decline in national health over the past 40 to 50 years. 

“Your doctor works for you,” Wilkinson emphasizes. “You are the decision maker. You must understand the uniqueness of your own body, because only you live inside it. When you become knowledgeable, your outcomes change.” 

Her mission is designed for:
• Healers of all types
• Mothers and homemakers
• Homeschooling families
• Physical therapy and medical students
• Holistic practitioners
• Anyone ready to reclaim ownership of their body 

Wilkinson is especially focused on empowering individuals who value personalized care, seek deeper knowledge, and want to avoid unnecessary pharmaceuticals and invasive procedures. 

A Voice for Truth at a Critical Time 

As public awareness grows and the cultural climate shifts, Wilkinson believes America is entering a long-awaited era of medical freedom. People are ready for transparency. They are ready for solutions that work. They are ready to become the captains of their own ship. 

“I can teach ten thousand people how to keep themselves healthy,” she shares. “The knowledge that has been hidden from the public and from many healthcare providers is now available. My goal is to restore trust, restore health, and help people transition into a new future with confidence.” 

Call to Action 

Individuals, healers, and organizations who want to learn these principles, experience hands-on education, or join Ann M Wilkinson’s national movement can explore upcoming workshops, programs, and resources. 

Visit: https://my360sites.net/site/odyork 

Shawn Mercer discusses longevity risk 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-longevity-risk-outliving-your-savings/

In this episode of Influential Entrepreneurs, host Mike Saunders welcomes back Shawn Mercer to discuss the critical topic of longevity risk and strategies to avoid outliving your savings. The conversation highlights the growing concern among individuals regarding financial security in retirement, especially as life expectancy continues to increase due to advancements in healthcare and nutrition. Shawn emphasizes the importance of reassessing actuarial tables that may no longer reflect current realities, as retirees may need to plan for 15 to 20 years longer than previous generations.  

Longevity risk is becoming an increasingly pressing issue for retirees, as many individuals are now expected to spend 20 to 30 years in retirement. This extended lifespan necessitates careful financial planning to ensure that retirees do not outlive their savings. 

Understanding Longevity Risk 

As discussed in the podcast episode, the fear of outliving one’s savings is a prevalent concern among retirees. Research indicates that a significant percentage of retirees—approximately 65% to 67%—view this as their primary worry. This fear is compounded by the fact that people are living longer than previous generations, thanks to advancements in healthcare, nutrition, and overall living conditions. For instance, retirees today may find themselves living into their 90s, which can stretch their financial resources thin if not properly managed. 

Shawn explained: “To mitigate longevity risk, it is crucial for retirees to engage in thorough financial planning. This involves assessing their current financial situation, understanding their expected lifespan, and determining how long their savings need to last.” 

Key Considerations in Retirement Planning 

Budgeting: One of the first steps in effective retirement planning is establishing a clear budget. Retirees should identify their essential expenses and understand their fixed costs. This foundational step allows them to determine how much income they will need to cover their living expenses throughout retirement. 

Social Security and Pension Plans: While Social Security benefits can cover a portion of retirees’ expenses, they are often insufficient to sustain their desired lifestyle. Therefore, creating a guaranteed pension plan can help cover any shortfall, providing a more stable financial foundation. 

Investment Strategy: The podcast emphasizes the importance of diversifying investments across different asset classes. By employing a “bucket strategy,” retirees can allocate their funds into various categories designed to perform over different time horizons. This approach allows for a balance between growth and security, helping to ensure that funds last throughout retirement. 

Healthcare Costs: Another critical aspect of longevity risk is the potential for extended healthcare needs. The discussion points out that many retirees may face significant healthcare expenses, including long-term care, which can be financially devastating if not planned for. It is estimated that around 70% of individuals will require some form of long-term care, making it essential to factor these costs into retirement planning. 

Flexibility and Adjustments: As life circumstances change, retirees may wish to make significant purchases, such as buying an RV or taking a family cruise. It is important for retirees to have a flexible plan that allows for adjustments. Financial advisors can help retirees understand how to withdraw funds from their investments without jeopardizing their long-term financial health. 

In conclusion, longevity risk is a significant concern for retirees, and careful planning is essential to avoid outliving savings. By establishing a clear budget, understanding the role of Social Security and pensions, diversifying investments, preparing for healthcare costs, and maintaining flexibility in their financial plans, retirees can better position themselves for a secure and fulfilling retirement. Engaging with a financial advisor can provide the necessary guidance to navigate these complexities and create a personalized retirement strategy. 

About Shawn Mercer 

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety. 

With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Our approach centers on understanding each client’s goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation. 

At Mercer Financial Group, we believe retirement should be lived with confidence. Our mission is to empower clients with clarity, thoughtful planning, and trusted expertise so they can enjoy the financial security they’ve worked hard to achieve. 

Learn more: http://www.mercerfg.com/  

Recent News & Interviews:

• Shawn Mercer Discusses Inflation Rising Living Costs https://authoritypresswire.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-on-the-influential-entrepreneurs-podcast-discussing-inflation-rising-living-costs/
• Shawn Mercer Discusses Market Volatility & Sequence-of-Returns Risk
  https://authoritypresswire.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-on-the-influential-entrepreneurs-podcast-discussing-market-volatility-sequence-of-returns-risk/

Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS.  Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors. 

Shawn Mercer discusses market volatility and the sequence of return risks 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-market-volatility-sequence-of-returns-risk/

Shawn Mercer, founder of Mercer Financial Group, to discuss the critical topics of market volatility and sequence of returns risk. The conversation begins with an acknowledgment of the often-avoided subject of risk in financial planning. Shawn emphasizes the inevitability of market volatility, especially for those invested in securities or bonds during retirement. He highlights the importance of understanding personal tolerance for volatility and encourages retirees to assess how much risk they can handle. The episode sets the stage for a deeper exploration into the implications of market fluctuations and how they can impact retirement planning.  

In the realm of personal finance and retirement planning, two critical concepts often discussed are market volatility and sequence of returns risk. These topics are essential for anyone looking to secure their financial future, especially as they approach retirement. 

Market volatility refers to the fluctuations in the prices of securities and investments over time. It is an inevitable part of investing, particularly for those who hold equities or bonds. Shawn Mercer, founder of Mercer Financial Group, emphasizes that understanding one’s personal tolerance for volatility is crucial. Each retiree must assess how much risk they are willing to accept, as this will influence their investment strategy. 

Mercer points out that while market volatility can be daunting, it is essential for long-term growth. He advocates for maintaining a portion of equities in a retirement portfolio to combat inflation, especially since people are living longer in retirement—often for as long as they worked. This longevity places significant pressure on retirement savings, making it vital to have investments that can grow over time. 

Sequence of returns risk is a specific type of risk that retirees face when they withdraw funds from their investment portfolios during market downturns. Mercer explains that this risk arises when individuals take withdrawals from their portfolios while the market is declining. This can lead to a detrimental cycle where the portfolio suffers from both market losses and the impact of withdrawals, potentially jeopardizing the retiree’s financial stability for years to come. 

For instance, if a retiree experiences a market downturn shortly after retiring and needs to withdraw funds for living expenses, they may be forced to sell investments at a loss. This situation is akin to “buying high and selling low,” which can severely diminish the portfolio’s value and hinder recovery when the market eventually rebounds. 

Strategies to Mitigate Risks 

To address these risks, Mercer suggests a strategic approach to retirement planning. He recommends that retirees consider a diversified portfolio that includes both equities and fixed-income investments. This diversification helps to balance risk and ensure that retirees are not overly exposed to market fluctuations. 

One effective strategy is to create a “teeter-totter” effect in the portfolio. This involves allocating funds into different asset classes that are not correlated, allowing for a more stable financial foundation. For example, retirees can utilize fixed and guaranteed income sources, such as insurance products from reputable carriers, to cover essential living expenses. This way, they can avoid liquidating investments during market downturns. 

Shawn shared: “Identifying the minimum amount needed for living costs, retirees can allocate sufficient funds into guaranteed income sources, ensuring that their basic needs are met regardless of market conditions. This approach allows retirees to leave their equity investments untouched during downturns, providing them with the flexibility to weather financial storms.” 

Navigating the complexities of market volatility and sequence of returns risk can be overwhelming for many individuals. Mercer emphasizes the value of working with a financial professional who can provide clarity and guidance. With years of experience, a financial advisor can help clients identify potential pitfalls and create a tailored retirement plan that aligns with their goals and risk tolerance. 

In conclusion, understanding market volatility and sequence of returns risk is crucial for anyone planning for retirement. By employing strategic planning, diversifying investments, and seeking professional advice, retirees can better position themselves to achieve financial security and peace of mind in their golden years. 

About Shawn Mercer 

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety. 

With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Our approach centers on understanding each client’s goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation. 

At Mercer Financial Group, we believe retirement should be lived with confidence. Our mission is to empower clients with clarity, thoughtful planning, and trusted expertise so they can enjoy the financial security they’ve worked hard to achieve.  

Learn more: http://www.mercerfg.com/  

Recent News & Interviews:

• Shawn Mercer Discusses Inflation Rising Living Costs https://authoritypresswire.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-on-the-influential-entrepreneurs-podcast-discussing-inflation-rising-living-costs/ 

Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS.  Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors. 

Randy Hux discusses on how to build trust in financial advisory 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-building-trust-in-financial-advisory/

In this episode of Influential Entrepreneurs, Randy Hux, the founder and president of Hux Capital Management. Randy shared his unique journey from being a CPA and working in biotech sales to becoming a financial advisor. His personal experiences with financial advisors who provided mediocre advice during the 2008 financial crisis motivated him to enter the industry and offer a more client-focused approach. 

In the realm of financial advisory, trust is not just a commodity; it is the cornerstone of a successful advisor-client relationship. The importance of building trust cannot be overstated, especially in an industry where clients often feel vulnerable and uncertain about their financial futures. Randy Hux, embodies the essence of client-focused advice, drawing from his personal experiences to create a service that prioritizes the needs and concerns of his clients. 

Randy’s journey into the financial services industry is a compelling narrative that illustrates the significance of firsthand experience in shaping a client-centric approach. Initially a CPA and later a professional in the biotech field, Randy’s aspirations of becoming a Division I head baseball coach were thwarted by the financial turmoil of 2008. This period of personal and professional upheaval not only influenced his career trajectory but also exposed him to the inadequacies of the financial advisory services he had previously relied upon. His dissatisfaction with the advice he received from established firms during a critical time in his life became the catalyst for his transition into financial advisory. 

What sets Randy apart from other advisors is his commitment to understanding his clients’ unique situations and offering tailored solutions that prioritize their best interests. He recognized that many individuals share similar frustrations with their financial advisors, often feeling that their concerns are met with generic responses and a lack of proactive engagement. Randy’s approach is rooted in empathy; he leverages his own experiences to foster a deeper connection with his clients, ensuring they feel heard and valued. This is particularly important in a field where clients may feel intimidated or overwhelmed by complex financial jargon and investment strategies. 

Randy’s philosophy centers on the belief that effective financial management should not be a one-size-fits-all solution. Instead, he emphasizes the importance of creating personalized financial plans that align with each client’s goals, risk tolerance, and life circumstances. By doing so, he builds a foundation of trust, as clients can see that their advisor is not merely focused on profit margins but is genuinely invested in their long-term success. This client-first mentality is essential in establishing credibility and fostering loyalty, as clients are more likely to trust an advisor who takes the time to understand their unique needs and aspirations. 

Moreover, Randy’s transition from a career in coaching to financial advisory underscores the importance of mentorship and guidance in building trust. Just as a coach develops strategies to enhance the performance of their team, a financial advisor must devise plans that empower clients to navigate their financial journeys confidently. This coaching mentality allows Randy to position himself not just as an advisor, but as a partner in his clients’ financial success. By adopting a collaborative approach, he encourages open communication and transparency, further solidifying the trust that is vital for a successful advisor-client relationship. 

In conclusion, building trust through client-focused advice is a multifaceted endeavor that requires empathy, personalized solutions, and a commitment to open communication. Randy Hux’s journey from a frustrated client to a trusted financial advisor exemplifies how personal experiences can shape a more effective and compassionate approach to financial advisory. By prioritizing the needs of his clients and fostering a collaborative relationship, Randy not only distinguishes himself in a competitive industry but also reinforces the idea that trust is the foundation upon which successful financial futures are built. As clients increasingly seek advisors who prioritize their well-being and provide tailored guidance, the importance of a client-focused approach will continue to grow, ultimately leading to more fulfilling and successful financial partnerships. 

Randy shared: “I don’t put production quotas on the people that work here for us. We just expect excellence. We don’t expect perfection. We strive for it, but we expect excellence, not only in our people professionally, but also personally.” 

About Randy Hux 

Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning. 

As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients’ best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond. 

Under Randy’s leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond. 

Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms. 

Learn more: http://www.huxcapitalmanagement.com/  

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth. 

Global branding and business growth strategist Rey Perez is hosting two high-impact live events in Salt Lake City designed to empower entrepreneurs and founder-led businesses achieve clarity, increase revenue, and build scalable companies without burning out. 

The experience begins with the Business Growth BootCamp, a three-day immersive event focused on supporting business owners’ identify growth bottlenecks, sharpen their brand positioning, and implement clear, executable strategies for sustainable growth. Immediately following, Perez hosts the Speaking & Sales Mastery three-day live event, equipping entrepreneurs with the one to many communication and sales skills needed to confidently lead conversations, convert opportunities and grow revenue with integrity. 

“These events are built for founders who are done wearing every hat,” said Perez. “My mission is to support entrepreneurs’ get out of the weeds, step fully into the CEO role, and build businesses that grow because the strategy and systems are clearly defined.” 

The Business Growth BootCamp dives deep into brand clarity, offer optimization, marketing alignment, leadership decision-making, and revenue strategy. Attendees leave with a customized growth roadmap and a renewed sense of focus knowing exactly what to prioritize and what to let go of. 

BGB360.com 

The Speaking & Sales Mastery event then turns that clarity into confidence and cash flow. Entrepreneurs learn how to effectively articulate their value clearly, lead high-trust sales conversations, overcome objections authentically, and communicate their message powerfully whether in a podcast interview, on stage, zoom or across any digital platform. 

SpeakingandSalesMastery.com 

A defining differentiator of these events is that attendees are not left alone to figure out implementation after the breakthrough. Participants have the opportunity to continue working with Team Rey Perez by bringing the firm on as a Fractional vCMO (Virtual Chief Marketing Officer). 

Through the Fractional vCMO program, Perez and his team provide ongoing clarity, strategic leadership, and hands-on implementation across branding, marketing, and promotions allowing business owners to focus on what matters most; being the CEO and leader of their company. 

“Entrepreneurs should not be buried in branding decisions, marketing execution, or promotional strategy,” Perez explained. “That’s our lane. When founders stay in their zone of genius and leadership, and we handle the brand, marketing, and growth strategy, businesses scale faster and with far less stress.” 

FractionalvCMO.com 

Behind the success of Team Rey Perez is a people-first culture that prioritizes growth, opportunity, and leadership development. Perez credits his team as the true backbone of the organization. 

One standout example is Nicolle Cruz, whose journey reflects the company’s values in action. Nicolle joined the organization four years ago as an executive assistant through the firm’s Elite Virtual Teams service, which connects entrepreneurs with top-tier international remote talent. Through consistent performance and leadership, she advanced to assistant manager, then project manager, and now serves as Operations Manager. Today, Nicolle also holds revenue share in the business, marking a major milestone in her professional growth. 

“Nicolle’s story represents everything we believe in,” said Perez. “When you invest in people, create clear growth paths, and reward excellence, you don’t just build a business you build leaders.” 

The same philosophy drives the company’s Elite Virtual Teams service, which helps entrepreneurs scale by integrating highly vetted international professionals into their operations, marketing, and management systems. What begins as support often evolves into long-term leadership proving that great talent knows no borders. 

EliteVirtualTeams.com 

Hosted in Salt Lake City, the six-day live experience is more than a training it’s an invitation into a new way of building a business with clarity, confidence, systems, and a world-class team. 

Entrepreneurs who attend can expect powerful breakthroughs, actionable strategies, and a clear path forward whether they choose to implement independently or partner with Team Rey Perez for ongoing growth and execution. 

Greg DuPont discusses the importance of making informed financial decisions 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-greg-dupont-founder-of-advocate-wealth-solutions-discussing-making-informed-financial-decisions/

 Greg discussed the necessity of a structured decision-making process that prioritizes the client’s comfort and understanding. He highlighted that a healthy financial decision process begins with clarity, ensuring that clients are not rushed into product recommendations without fully grasping their implications. He stressed the importance of a holistic approach, considering legal, financial, tax, and family factors together to avoid siloed advice that can lead to unintended consequences. 

In today’s world, where information is readily available at our fingertips through technology and digital platforms, the role of human connection in financial decision-making has never been more critical. The podcast discussion emphasizes that while knowledge is abundant, the true power lies in how that knowledge is applied within the context of individual circumstances. The nuances of financial planning extend beyond mere numbers and strategies; they delve into the emotional and psychological dimensions of individuals’ lives. This essay explores how human connection enhances financial decision-making, making it a more holistic and effective process.  

DuPont highlights the importance of being present and holding space for clients during financial conversations. Financial advisors, like Greg, underscore that the real distinction between good advisors and mediocre ones is their ability to create a comfortable environment where clients feel safe to share their concerns and aspirations. This emotional intelligence fosters trust, allowing clients to express their fears and desires openly. When clients feel heard and understood, they are more likely to engage in the decision-making process actively. This connection is vital, as financial decisions often represent more than just numbers; they reflect a lifetime of work, sacrifices, and dreams.  

Moreover, he discusses the challenges clients face when transitioning their financial assets to new advisors. The emotional weight of parting with long-standing relationships in the financial industry can create cognitive dissonance, leading to regret or second-guessing after a significant decision has been made. Here, the human element plays a crucial role. By maintaining open lines of communication and setting clear expectations, advisors can alleviate the anxiety associated with change. This proactive approach not only prepares clients for potential hurdles but also reinforces their confidence in the decisions they have made. When clients are informed and supported throughout the process, they are less likely to experience regret and more likely to embrace their new financial paths. 

In conclusion, the insights shared in the podcast illuminate the profound impact that a supportive and structured approach to financial decision-making can have on clients. By replacing pressure with perspective, advisors like Greg DuPont help individuals navigate the complexities of their financial landscapes with confidence. This transformation is not merely about making sound financial choices; it is about empowering clients to embrace their financial journeys with clarity, purpose, and peace of mind. In a world where uncertainty is a constant, fostering confidence through perspective is an invaluable asset that can lead to lasting financial well-being.  

Prioritizing understanding before recommendations is not just a best practice; it is a fundamental tenet that can redefine the client-advisor relationship and enhance the overall financial experience. Ultimately, human connection serves as the cornerstone of effective financial decision-making, bridging the gap between knowledge and action, and enabling clients to thrive in their financial lives. 

Greg shared: “Today people are mostly well-informed, but they’re poorly oriented. They have all this data input that they can get when they get done talking to one of the guys that responds when they reach their hand up for social security information, for example. And they start trying to get that conversation in context. They have all of this data, and have all this knowledge that’s available to them.” 

About Greg DuPont 

Greg DuPont is an estate planning attorney, comprehensive financial advisor, and entrepreneur dedicated to helping families protect what matters most—while making confident, informed decisions about their future. 

As the founder of DuPont Law Group and a leader behind The Wealth Solutions Network and Advocate Wealth Solutions, Greg works with individuals and families who want more than documents or disconnected financial advice. His work focuses on clarity, protection, and long-term stewardship—helping clients reduce financial loss, avoid unnecessary conflict, and align their wealth with the lives they actually want to live. 

Greg is known for taking complex legal and financial topics and translating them into clear, practical guidance. His approach is intentionally different: instead of selling products or pushing pre-packaged solutions, he leads with education, diagnosis, and trust. Clients often describe him as calm, strategic, and deeply invested in helping them think clearly before acting. 

Over the course of his career, Greg has advised thousands of families on estate planning, wealth protection, retirement strategy, and legacy design. His work emphasizes proactive planning—addressing risks before they become crises—and helping clients make decisions today that still make sense decades from now. 

At the center of Greg’s philosophy is a simple belief: good planning isn’t about money—it’s about people, responsibility, and peace of mind. Whether working with young families, business owners, or retirees, his goal is the same: to replace uncertainty with confidence and help families move forward with intention. 

Greg lives and works by a mission to impact one million families by protecting legacies, reducing avoidable financial loss, and elevating the way people experience planning. When he’s not working with clients or building new initiatives, he is focused on teaching, mentoring advisors, and creating systems that make high-quality planning more accessible and human. 

 Learn more: https://www.advocatewealthsolutions.com/   

Recent News & Interviews:

• Greg DuPont discussed Coordinating Financial Tax and Estate Decisions https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-coordinating-financial-tax-and-estate-decisions/
• Greg DuPont discussed How to get to and Through Retirement Achieving Peace of Mind in Retirement  https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-achieving-peace-of-mind-in-retirement/
• Greg DuPont discussed Avoiding Unintended Consequences https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-avoiding-unintended-consequences/

The information provided by Greg DuPont is intended for general informational and educational purposes only and does not constitute legal, tax, investment, or financial advice. Nothing discussed should be relied upon as a substitute for individualized advice from qualified legal, tax, or financial professionals. All planning strategies and concepts are general in nature and may not be suitable for every individual or situation.  Any references to financial strategies, investments, or planning concepts are not intended as a recommendation, solicitation, or offer to buy or sell any securities or financial products. Advisory services are offered only pursuant to an advisory agreement and where permitted by law. Past performance is not indicative of future results. Participation in this content does not create an attorney-client or advisor-client relationship. Outcomes depend on individual circumstances, applicable laws, and market conditions, which are subject to change.  

The Women’s Business Enterprise Council-West (WBEC-West) proudly announces its Regional Forum Leadership for the 2026–2027 term. These accomplished women business leaders will serve as ambassadors, advocates, and connectors for certified Women Business Enterprises (WBEs) across WBEC-West’s multi-state territory.

WBEC-West Forum Chairs and Vice Chairs play a vital role in strengthening the WBE community by fostering regional engagement, advancing opportunities for women-owned businesses, and serving as liaisons between WBEs and WBEC-West programming and corporate partnerships.

2026–2027 WBEC-West Regional Forum Leadership

Arizona

• Dr. Sharon Lamm-Hartman, Chair – Inside Out Learning
• Lisa Rehurek, First Vice Chair – The RFP Success Company
• Devina Jackson, Second Vice Chair – Impact Legacy Law

Nevada – Las Vegas

• Janeen Zook, Chair – Trattativa Meeting & Event Solutions International
• Dawn Barnes, First Vice Chair – RGD Construction
• Kenida Lewis, Second Vice Chair – The Adinek Group

Nevada – Reno

• Monica Coburn, Chair – Ambrose Enterprises LLC dba Nevada Business Advisors
• Alice Heiman, First Vice Chair – Sales Talk Force
• Kelly Spallone, Second Vice Chair – Tahoe Supply Company

Utah

• Haley Peck, Chair – Centennial Trucking Co.
• Jan Steenblik, First Vice Chair – Network Consulting Service

Colorado/Wyoming

• Erin Dougan, Chair – TalentTrust, LLC
• Nicole Marsh, First Vice Chair – IMPRINT Events Group
• Loree Mulay Weisman, Second Vice Chair – Mulay’s Heritage Meats

Southern California – San Diego

• Janet Leinhard, Chair – Virtual Instructor LLC
• Brianna Birdwell, First Vice Chair – EID Solutions
• Jenn Harris, Second Vice Chair – Utility Surveyors, Inc. AIRX

Southern California – Los Angeles

• Shannon Kehrer, Chair – Hidey Style
• Marci Klein, First Vice Chair – Klein Creative Media
• Chrstya Wilson, Second Vice Chair – Wilson and Associates Coaching and Consulting, LLC

Southern California – Orange County

• NeeTu Sadhwani, Chair – sunRISE group, inc.
• Marianne Meileka Boules, First Vice Chair – Boules Consulting
• Traci Shirachi, Second Vice Chair – A Plomb Security Group

“WBEC-West’s Forum Leaders are the heartbeat of our regional communities,” said Dr. Pamela Williamson, President and CEO of WBEC-West. “Their leadership, passion, and commitment to empowering women-owned businesses strengthen our ecosystem and create meaningful pathways to opportunity, collaboration, and economic impact. We are excited to work alongside this exceptional group of leaders as they help shape the future of women entrepreneurship across the Western region.”

WBEC-West congratulates the 2026–2027 Forum Leadership and looks forward to their continued leadership in strengthening the WBE ecosystem and advancing opportunities for women-owned businesses across the Western region.

About WBEC-West

WBEC-West, the Women’s Business Enterprise Council-West, is committed to driving growth, fostering equity, and inspiring innovation among women-owned businesses across the Western United States. Through its comprehensive certification, education, and advocacy efforts, WBEC-West empowers women entrepreneurs to connect with major corporations, government agencies, and organizations looking to diversify their supply chains.

As a proud Regional Partner Organization of the Women’s Business Enterprise National Council (WBENC), WBEC-West supports a dynamic network of women-owned businesses in Arizona,

California, Nevada, Utah, Colorado, Wyoming, Hawaii, and beyond. Its initiatives are designed to remove barriers and create opportunities for women entrepreneurs, offering access to invaluable resources, tailored educational programs, and high-impact networking events.

From certification workshops and leadership development programs to innovative offerings like the virtual Supplier Center of Excellence, WBEC-West is dedicated to equipping women-owned businesses with the tools and strategies needed to scale and succeed in today’s competitive marketplace. For more information about WBEC-West and its initiatives, visit www.wbec-west.org.

Curtis Cottle discusses taxes eating up IRAs and 401(k)s 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-curtis-cottle-founder-of-sbc-financial-discussing-taxes-eating-up-iras-and-401ks/

Curtis highlighted how traditional IRAs and 401(k)s can become “tax time bombs,” especially for non-spousal beneficiaries due to the SECURE Act, which mandates forced distributions within ten years of inheritance. This can significantly increase tax liabilities for heirs, potentially pushing them into higher tax brackets. 

The SECURE Act, enacted in 2020, fundamentally altered the way inherited retirement accounts are taxed. Previously, non-spousal beneficiaries could stretch distributions over their lifetimes, allowing for tax-efficient growth. However, under the new rules, these beneficiaries are required to withdraw the entire balance within ten years of the original account holder’s death. This change can significantly increase the tax burden on heirs, as they may find themselves in higher tax brackets due to forced distributions. As Curtis Cottle aptly describes, this scenario creates a “ticking time bomb” for retirement accounts, making it imperative for individuals to plan ahead. 

Many individuals approach retirement savings with the mindset of deferring taxes until later. While this strategy can be beneficial during one’s working years, it is essential to recognize the long-term implications of tax-deferred accounts. By failing to account for potential tax liabilities during retirement, individuals risk passing on substantial tax burdens to their heirs. This not only diminishes the value of the inheritance but can also create financial strain for beneficiaries who may need to withdraw funds from their own investment accounts to cover the tax liabilities associated with the inherited accounts. 

To mitigate these risks, proactive tax planning becomes vital. This involves a comprehensive assessment of one’s financial situation, including current income, projected retirement income, and the anticipated tax implications of withdrawals from retirement accounts. By engaging in strategic planning, individuals can create a roadmap that minimizes tax impact and maximizes the value of their retirement savings. 

There are several strategies that individuals can employ to minimize the tax impact of their retirement accounts: 

1. Roth Conversions: Converting traditional IRAs or 401(k)s to Roth accounts can be a powerful strategy. While this conversion may incur taxes in the year it is executed, Roth accounts offer tax-free withdrawals in retirement, and heirs can inherit them without immediate tax consequences. This can substantially reduce the tax burden on beneficiaries. 

1. Diversifying Tax Strategies: Having a mix of tax-deferred, tax-free, and taxable accounts can provide flexibility in retirement. This diversification allows retirees to strategically withdraw funds from different account types based on their tax situation in any given year, helping to manage their overall tax liability. 

1. Lifetime Distributions: Rather than waiting until retirement to withdraw funds, individuals can consider taking smaller distributions during their working years. By doing so, they may be able to manage their taxable income more effectively and avoid the higher tax brackets that could result from larger withdrawals later. 

1. Education and Communication: Educating heirs about the implications of inherited accounts and the importance of tax planning can also be beneficial. Open communication about financial matters can help ensure that beneficiaries are prepared to manage their inheritances wisely, minimizing any potential tax shocks. 

1. Consulting with Professionals: Engaging with financial advisors or tax professionals who specialize in retirement planning can provide invaluable insights. These experts can help tailor a tax strategy that aligns with individual financial goals and circumstances, ensuring a comprehensive approach to minimizing tax impacts. 

In conclusion, the evolving landscape of retirement account taxation necessitates a proactive approach to financial planning. By understanding the implications of tax laws, individuals can implement strategies that minimize tax burdens on themselves and their beneficiaries. As highlighted in the podcast with Curtis Cottle, planning ahead is not merely a financial necessity; it is a means of ensuring that one’s hard-earned savings serve their intended purpose, providing for loved ones without the looming threat of excessive taxation. By taking these steps, individuals can transform their retirement accounts from potential tax time bombs into valuable legacies for future generations. 

Curtis shared: “Is now with the new rules, when you inherit that, you have to take out money, forced money, it’s called a required minimum distribution, as soon as you inherit it, it doesn’t matter what your age is or anything like that, as soon as you inherit it, and you have to take it out now in 10 years.” 

About Curtis Cottle 

Curtis Cottle is a Certified Financial Fiduciary, visionary growth strategist and founder of one of Michigan’s fastest-scaling financial services firms. He specializes in retirement planning, estate planning, and strategic tax strategies designed to help families and business owners protect and grow their wealth. 

At the core of his firm’s approach is a deep emphasis on strategic tax planning as it relates to retirement, helping clients keep more of what they’ve earned and build long-term financial confidence. 

He’s the creator of the Wealth Wellness Checkup, a planning experience that uncovers hidden financial blind spots and helps people make smart, informed decisions. The firm is built to simplify complexity, bring structure to planning, and deliver personalized strategies that work in the real world. 

With nearly two decades of experience, Curtis is known for cutting through the noise, building lasting relationships, and helping people create long-term security without the guesswork. 

When he’s not driving growth or designing new campaigns, you’ll find him investing in his team, building partnerships, or spending time with his family, living the same values his business is built on: fun, unity, and getting things done. 

Learn more: http://www.gosbc.net/  

DISCLAIMER 

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. SBC Financial  Advisory services are only offered to clients or prospective clients where SBC Financial and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by SBC Financial unless a client service agreement is in place.  

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through SBC Financial. SBC Financial is a separate and unaffiliated entity from Simplicity Wealth. The Certified Financial Fiduciary (CFF) designation, attained by Curtis Cottle, is issued and governed by the National Association of Certified Financial Fiduciaries (NACFF). To attain the CFF, the adviser completed a one-day training course, passed an 80-question exam, and underwent a background check. The adviser pays initial fees for the training/exam and an annual renewal fee to maintain the designation. This payment creates an incentive to obtain and use the designation. The CFF is an educational certification and is not an indicator of the adviser’s investment performance, quality of service, or client experience. This is not endorsed or approved by the Social Security Office or any other Government Agency. This information is provided as general information and is not intended to be specific financial guidance. Before you make any decisions regarding your personal financial situation, you should consult a financial or tax professional to discuss your individual circumstances and objectives. 

Shawn Mercer discusses Inflation & Rising Living Costs 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-inflation-rising-living-costs/

In this episode of Influential Entrepreneurs, host Mike Saunders welcomes Shawn Mercer, founder of Mercer Financial Group, to discuss the pressing issues of inflation and the rising cost of living. Shawn shares his background in the financial services industry, highlighting his journey from being licensed in insurance in 1994 to owning a registered investment advisory firm in Colorado. He emphasizes the importance of understanding challenging financial topics like inflation to reduce fear and create actionable plans.  

Inflation is a persistent economic phenomenon that diminishes the purchasing power of money over time. For retirees, grasping the effects of inflation on their retirement portfolios is essential, as it directly influences their ability to maintain their standard of living throughout retirement. In a recent podcast episode featuring Shawn Mercer, several key considerations for retirees regarding inflation management within their investment strategies were discussed. 

In recent years, many individuals have experienced the tangible effects of inflation, particularly in everyday expenses such as groceries. Shawn Mercer highlights that the cost of living has risen significantly, making it crucial for retirees to understand that the money they have today will not stretch as far in the future. For instance, a retiree who plans to withdraw a fixed amount each month may find that the purchasing power of that amount diminishes over time due to inflation. 

One of the primary strategies to combat inflation is to ensure that a portion of a retirement portfolio is invested in equities. Mercer emphasizes that equities are one of the few asset classes capable of outpacing inflation over the long term. While it is common for financial advisors to recommend a more conservative approach as individuals age, this can be detrimental for those who may live into their 90s. Retirees need to balance their portfolios to include growth-oriented investments that can help preserve their purchasing power. 

The Multi-Bucket Strategy 

To effectively manage inflation risk, Mercer advocates for a multi-bucket strategy. This approach involves creating different “buckets” of investments to provide income and growth. For example, retirees should have a safe and guaranteed bucket that can cover their income needs for several years, regardless of market fluctuations. This allows them to avoid withdrawing from their equity investments during market downturns, which can lead to a cycle of selling low and missing out on potential recovery. 

Additionally, having a second bucket that includes bond alternatives or other income-generating assets can further diversify the portfolio and provide stability. By replenishing the safe bucket during favorable market years, retirees can maintain their lifestyle while ensuring that their investments are positioned to grow and keep pace with inflation. 

Shawn explained: “The importance of regularly reviewing and adjusting retirement plans. Economic conditions, inflation rates, and personal circumstances can change, necessitating updates to the investment strategy. Retirees should aim to review their plans at least annually, or even quarterly, to ensure they remain aligned with their goals and the current economic landscape.” 

In summary, understanding the impact of inflation on retirement portfolios is vital for retirees who wish to maintain their purchasing power over time. By incorporating equities into their investment strategies, utilizing a multi-bucket approach, and regularly reviewing their plans, retirees can better position themselves to navigate the challenges posed by rising costs. As Mercer aptly points out, planning for the worst while hoping for the best can provide a sense of security and peace of mind in retirement. 

About Shawn Mercer 

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety. 

With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Our approach centers on understanding each client’s goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation. 

At Mercer Financial Group, we believe retirement should be lived with confidence. Our mission is to empower clients with clarity, thoughtful planning, and trusted expertise so they can enjoy the financial security they’ve worked hard to achieve. 

Learn more: http://www.mercerfg.com/  

Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS.  Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors. 

“Impact is the meaningful change your actions created — what you do that influences people, outcomes, or situations in ways that last or ripple outward,” said Cooper. That philosophy has guided her leadership and shaped a legacy of sustained growth, innovation, and service.

As CEO and CFO of Technologent, Tammy Sue Cooper brings a rare and powerful combination of financial acumen, strategic vision, and governance expertise to the boardroom. Widely recognized as an influential agent for positive change, she developed Technologent’s mentorship program and leads with confidence—tackling complex challenges with perseverance and a results-driven mindset.

Under Tammy’s leadership, Technologent has experienced extraordinary growth, evolving from a 20-employee, $25 million startup into a 300-person enterprise approaching the $1 billion mark. Today, the company serves a Tier-1 client base across more than 14 offices nationwide. Tammy oversees strategic planning, finance, audit, and human resources, and is known for building alignment, earning buy-in for innovative solutions, and elevating teams to perform at their highest level.

“Tammy Sue Cooper embodies the essence of the WBE STAR,” said Dr. Pamela Williamson, President and CEO of WBEC-West. “Her leadership reflects what is possible when strategic vision, operational excellence, and purpose-driven impact come together. Tammy has not only scaled a remarkable enterprise, but she has done so while investing in people, fostering mentorship, and creating lasting ripple effects across her industry and community. She represents the very best of what WBENC certification stands for.”

A seasoned operator with deep P&L experience, Tammy is equally committed to community impact and professional leadership. Her service includes support of Girl Scouts initiatives, The Jeremiah Society, and Meals on Wheels. She is actively engaged in professional organizations including the Public Directors Association, Financial Executives International (FEI), and the Association for Corporate Growth (ACG)—where she made history as the first woman elected to the C-Circle—as well as Octane. Tammy also served with the Orange County Forum and currently serves as an Ambassador for WBEC-West. She sits on the boards of the American Red Cross and Big Brothers Big Sisters. Tammy holds a Bachelor of Business Administration in Accounting from Cleveland State University.

Technologent is a premier IT solutions provider delivering enterprise-class services across Data, AI, Cloud, and Security. The firm aligns transformation strategies with business objectives by unifying data for intelligent insights and compliance readiness, architecting customized solutions, and enabling users so that value is realized quickly and at scale. With more than 300 employees and a global customer base, Technologent bridges the gap between technology and outcomes—turning complexity into clarity and vision into execution. Guided by Tammy’s leadership, the company delivers measurable impact to each of its clients.

The WBEC-West WBE STAR Award is presented annually to a certified woman-owned business leader who demonstrates exceptional leadership, growth, and commitment to advancing economic opportunity. Tammy Sue Cooper will be honored as the 2026 WBE STAR, joining an esteemed group of women whose influence extends far beyond their businesses.

About WBEC-West

WBEC-West, the Women’s Business Enterprise Council-West, is committed to driving growth, fostering equity, and inspiring innovation among women-owned businesses across the Western United States. Through its comprehensive certification, education, and advocacy efforts, WBEC-West empowers women entrepreneurs to connect with major corporations, government agencies, and organizations looking to diversify their supply chains.

As a proud Regional Partner Organization of the Women’s Business Enterprise National Council (WBENC), WBEC-West supports a dynamic network of women-owned businesses in Arizona,

California, Nevada, Utah, Colorado, Wyoming, Hawaii, and beyond. Its initiatives are designed to remove barriers and create opportunities for women entrepreneurs, offering access to invaluable resources, tailored educational programs, and high-impact networking events.

From certification workshops and leadership development programs to innovative offerings like the virtual Supplier Center of Excellence, WBEC-West is dedicated to equipping women-owned businesses with the tools and strategies needed to scale and succeed in today’s competitive marketplace. For more information about WBEC-West and its initiatives, visit www.wbec-west.org.

New York — HYPERSCALE: AI, Data Centers, and the Next Great Expansion of Global Energy Capacity by Todd Thomas has officially debuted at #1 on the Amazon Best Seller List, marking a powerful milestone for one of the most consequential books to emerge at the intersection of artificial intelligence, energy, and infrastructure.

In Hyperscale, Todd Thomas, Best Selling Author of The Unleashing Abundant Energy Trilogy, delivers a clear, authoritative blueprint for understanding how AI-driven data centers are transforming the global energy landscape. As hyperscale facilities reach gigawatt scale, they are no longer just consumers of power. They are becoming power producers, grid stabilizers, and central pillars of the next industrial revolution.

This achievement builds on Thomas’ earlier success with The Unleashing Abundant Energy Trilogy, which also debuted on the Amazon Best Seller List and established him as a leading voice in the future of energy, innovation, and infrastructure.

Publisher TC Bradley says that with all three books in The Unleashing Abundant Energy Trilogy debuting at #1—and now Hyperscale becoming the fourth #1 release—this success signals a rising urgency in the marketplace and a growing hunger for clear, actionable insight at the intersection of AI, energy, and the future.

“The success of The Unleashing Abundant Energy Trilogy and now Hyperscale speaks to something far bigger than a book launch,” said Bradley. “It reveals a rising global demand for this information. Leaders across technology, energy, finance, and government are searching for clarity in a world being reshaped by AI and power at unprecedented scale. Todd’s work meets that moment. These books are not theoretical. They are blueprints for the future.”

Hyperscale explores how innovations such as power-positive data centers, virtual power plants, landfill mining, advanced nuclear and fusion energy, battery intelligence, waste-heat reuse, and renewable integration are redefining what is possible. The book connects digital infrastructure to physical infrastructure, showing how AI growth can fuel resilience, sustainability, and economic expansion at scale.

With its #1 debut, Hyperscale confirms what industry leaders already sense: the digital economy and the energy economy have merged, and those who understand this shift will define the next era of global growth.

About the Author
Todd Thomas is a best-selling author, energy innovator, and founder of Woodchuck.ai. He is the author of The Unleashing Abundant Energy Trilogy and now Hyperscale, which explore the convergence of artificial intelligence, infrastructure, and global energy systems.

Greg DuPont discusses avoiding unintended consequences 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-greg-dupont-founder-of-advocate-wealth-solutions-discussing-avoiding-unintended-consequences/

Greg shared valuable insights into some common pitfalls that individuals face when planning for retirement. One major issue he highlighted is the misconception that personal income tax rates will be lower in retirement. This belief often leads people to heavily invest in 401(k) plans, only to face unexpected tax burdens later. Greg emphasized the importance of considering tax-free savings options and the potential benefits of paying taxes upfront. 

In the world of financial planning, the distinction between advocating for clients versus promoting products is not only significant but crucial for fostering trust and ensuring clients achieve their financial goals.  Greg DuPont highlights the inherent dangers of a financial landscape where decisions are often driven by products rather than objective guidance tailored to individual needs. This essay delves into the importance of prioritizing client advocacy in financial planning, the pitfalls of product-driven advice, and the essential elements of effective retirement planning. 

At the core of effective financial planning is the understanding that each client has unique circumstances, aspirations, and concerns. DuPont emphasizes the need for financial advisors to move beyond merely presenting clients with plans that may be influenced by the products they offer. Instead, the focus should be on identifying and addressing the specific needs and desires of the client. This client-centric approach fosters a deeper understanding of what the client truly wants, rather than simply pushing a one-size-fits-all solution that may not align with their long-term goals. 

One of the key takeaways from the podcast is the misconception surrounding the term “fiduciary.” Many consumers believe that asking an advisor if they are a fiduciary guarantees superior advice. However, Greg argues that this notion is misleading. While fiduciary status implies a legal obligation to act in the client’s best interest, it does not necessarily equate to comprehensive, unbiased guidance. Advisors may still be influenced by the products they sell, which can compromise the integrity of the advice given. This highlights the importance of looking beyond labels and understanding the advisor’s motivation and the processes they employ in creating financial plans. 

The interview also sheds light on the common practice of advisors presenting plans that may inherently push certain products. This is particularly prevalent when the advisor’s compensation structure is based on commissions rather than fees. Clients must be vigilant and discerning when evaluating the advice they receive. A genuine financial plan should not only reflect the advisor’s expertise but also demonstrate a thorough understanding of the client’s situation. DuPont points out that if a client feels uncomfortable or pressured during the planning process, it’s a red flag indicating that the advisor may be prioritizing their own interests over those of the client. 

For retirees, aligning income strategies with lifestyle aspirations is a critical component of effective retirement planning. As the podcast highlights, the ultimate goal is not merely to accumulate a specific financial number but to ensure that the income generated from that number supports the desired lifestyle. This requires a proactive and informed approach to financial decision-making, where the focus is on long-term implications, tax efficiencies, and risk management. By tailoring strategies to individual needs, retirees can create a roadmap for a secure and fulfilling retirement. 

In conclusion, the essence of financial planning should be rooted in advocating for the client, not the products. By prioritizing the client’s unique circumstances and fostering a relationship built on trust and transparency, financial advisors can provide the objective guidance necessary for effective decision-making. As highlighted in the podcast, this approach not only empowers clients but also leads to a more resilient and enjoyable retirement experience. Ultimately, the goal of financial planning should be to support clients in achieving their aspirations, ensuring that their financial decisions align with their lifestyle choices and long-term objectives. 

Greg shared: “We thought we were doing the right thing, we’re putting our money in, we’re getting a tax break now, and we’re now waking up and saying, holy moly, this is a completely different picture than I thought I was going to be looking at.” 

About Greg DuPont 

Greg DuPont is an estate planning attorney, comprehensive financial advisor, and entrepreneur dedicated to helping families protect what matters most—while making confident, informed decisions about their future. 

As the founder of DuPont Law Group and a leader behind The Wealth Solutions Network and Advocate Wealth Solutions, Greg works with individuals and families who want more than documents or disconnected financial advice. His work focuses on clarity, protection, and long-term stewardship—helping clients reduce financial loss, avoid unnecessary conflict, and align their wealth with the lives they actually want to live. 

Greg is known for taking complex legal and financial topics and translating them into clear, practical guidance. His approach is intentionally different: instead of selling products or pushing pre-packaged solutions, he leads with education, diagnosis, and trust. Clients often describe him as calm, strategic, and deeply invested in helping them think clearly before acting. 

Over the course of his career, Greg has advised thousands of families on estate planning, wealth protection, retirement strategy, and legacy design. His work emphasizes proactive planning—addressing risks before they become crises—and helping clients make decisions today that still make sense decades from now. 

At the center of Greg’s philosophy is a simple belief: good planning isn’t about money—it’s about people, responsibility, and peace of mind. Whether working with young families, business owners, or retirees, his goal is the same: to replace uncertainty with confidence and help families move forward with intention. 

Greg lives and works by a mission to impact one million families by protecting legacies, reducing avoidable financial loss, and elevating the way people experience planning. When he’s not working with clients or building new initiatives, he is focused on teaching, mentoring advisors, and creating systems that make high-quality planning more accessible and human. 

Learn more: https://www.advocatewealthsolutions.com/   

Recent News & Interviews:

• Greg DuPont discussed Coordinating Financial Tax and Estate Decisions https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-coordinating-financial-tax-and-estate-decisions/
• Greg DuPont discussed How to get to and Through Retirement Achieving Peace of Mind in Retirement https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-achieving-peace-of-mind-in-retirement/

The information provided by Greg DuPont is intended for general informational and educational purposes only and does not constitute legal, tax, investment, or financial advice. Nothing discussed should be relied upon as a substitute for individualized advice from qualified legal, tax, or financial professionals. All planning strategies and concepts are general in nature and may not be suitable for every individual or situation. 

Any references to financial strategies, investments, or planning concepts are not intended as a recommendation, solicitation, or offer to buy or sell any securities or financial products. Advisory services are offered only pursuant to an advisory agreement and where permitted by law. Past performance is not indicative of future results. Participation in this content does not create an attorney-client or advisor-client relationship. Outcomes depend on individual circumstances, applicable laws, and market conditions, which are subject to change.  

Las Vegas, NV — Patrick Cotter, founder of Cotter Financial Group, is helping pre-retirees and retirees bring clarity and confidence to one of the most critical phases of life: the Retirement Red Zone, the ten years before and after retirement. 

Cotter Financial Group was recently featured in an interview on KTNV’s “The Morning Blend,” where Patrick discussed how proactive, lifestyle-based retirement planning can help families prepare for uncertainty while maximizing enjoyment and peace of mind in retirement.  

“Retirement planning isn’t just about numbers—it’s about how you want to live,” Cotter explained. “We help clients align their financial strategy with their values, relationships, and how they want to spend their most valuable asset: time.” 

Preparing for retirement requires more than simply reaching a certain age or account balance. According to Cotter, the most successful retirement plans begin with thoughtful conversations well before retirement starts, focusing on income stability, legacy goals, and protection against unforeseen challenges. 

A key element of this planning process is addressing the fear many retirees share: running out of money. Cotter emphasizes building safe, predictable income strategies designed to weather market volatility while supporting a client’s desired lifestyle. By coordinating retirement income, Social Security optimization, tax-efficient wealth transfer, and estate planning, clients are better prepared for both expected and unexpected events. 

Another cornerstone of Cotter’s approach is helping clients ask the right questions. Cotter encourages retirees to reflect on what truly matters most in their next chapter and whether their current plan supports those priorities. By answering these questions early, individuals can move forward with greater confidence and clarity. 

Ultimately, Cotter believes peace of mind comes from preparation. “When you’ve taken the time to plan for uncertainty—health events, market shifts, or legacy concerns—you’re free to focus on enjoying retirement instead of worrying about it,” he said. 

Cotter Financial Group provides concierge-level retirement planning services tailored to each client’s lifestyle and goals. Through an educational, values-based process, Patrick Cotter helps individuals and families transition into retirement with confidence, purpose, and control. 

About Patrick Cotter & Cotter Financial Group 

Cotter Financial Group, LLC. is a community based concierge level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. We are a lifestyle based planning firm. We do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement while keeping in mind your values, relationships and more importantly how you wish to spend your precious time. So whether you are in retirement, on the verge of or just starting to prepare, we will help get you ready for what matters most and take action with more confidence. Focus areas are: 

– Retirement Income Planning – safe, predictable and guaranteed
– Legacy Planning – maximize to whom and what is left to heirs
– Wealth Transfer – tax efficient transfer strategies
– Estate Planning –  Wills, Trust and Asset Protection
– Social Security Optimization – claiming strategy guidance
– Wealth Management – safe and tax efficient strategies for inflation risk 

Learn More: www.cotterfinancialgroup.com  

Recent News & Interviews:

• Patrick Cotter discussed Proactive Retirement Planning https://authoritypresswire.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-on-the-influential-entrepreneurs-podcast-discussing-proactive-retirement-planning/
• Patrick Cotter discussed Emotional Well Being in Retirement https://authoritypresswire.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-on-the-influential-entrepreneurs-podcast-discussing-emotional-well-being-in-retirement/
• Patrick Cotter discussed Uncertainty in Retirement https://authoritypresswire.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-on-the-influential-entrepreneurs-podcast-discussing-uncertainty-in-retirement/

Cotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. 

Greg DuPont discusses the importance of achieving peace of mind in retirement 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-greg-dupont-founder-of-advocate-wealth-solutions-discussing-achieving-peace-of-mind-in-retirement/

In the ever-evolving landscape of retirement planning, the traditional approaches often fall short of addressing the complexities and uncertainties that individuals face. As the podcast discussion highlights, a fundamental shift in mindset is essential for achieving true retirement security. The concept of “thinking differently” transcends mere financial strategies; it embodies a holistic understanding of how various factors—financial, tax, and estate planning—intersect to create a comprehensive retirement plan. 

The first step in this journey is recognizing the interconnectedness of these elements. Many individuals view their retirement savings as a singular entity, often fixating on their 401(k) or other primary assets without considering the broader implications of their financial decisions. For instance, a rise in personal income tax rates can significantly impact the amount retirees need to withdraw from their savings to maintain their desired lifestyle. Understanding this relationship allows individuals to make informed choices that can lead to a more favorable financial outcome. 

One of the podcast’s key insights is the potential for reconfiguring retirement assets to minimize tax liabilities. By employing strategic planning, retirees can access tax-preferred sources of income, such as Social Security or other tax-free avenues, thereby reducing the amount they need to withdraw from their savings. This proactive approach not only enhances financial stability but also fosters a sense of security in the face of market volatility. When retirees know that their basic living expenses are covered by guaranteed income—whether from Social Security, pensions, or other reliable sources—they can weather economic storms with confidence. 

Moreover, the discussion emphasizes the importance of shifting one’s mindset away from traditional notions of retirement planning. Often, individuals cling to outdated beliefs about how to secure their financial future, such as the idea that larger, more substantial investments are inherently better. This mentality mirrors the historical perspective of transportation, where people believed that the solution to improved mobility lay in bigger and stronger horses, rather than embracing the innovative potential of the automobile. Similarly, retirees must break free from conventional thinking and evaluate their unique needs and circumstances objectively. 

Greg encourages individuals to assess their retirement goals based on current realities rather than past assumptions. By doing so, they can identify what truly matters in their financial planning. This approach aligns with the philosophy of great entrepreneurs like Henry Ford and Steve Jobs, who championed innovation and the courage to think differently. Just as Ford revolutionized transportation by envisioning a world beyond horses, retirees can redefine their financial futures by embracing new strategies that prioritize security and peace of mind. 

Ultimately, achieving retirement security requires a commitment to clarity and understanding. By gaining a comprehensive view of their financial landscape and recognizing the interplay between various factors, individuals can significantly reduce the anxiety often associated with this life transition. As articulated in the podcast, filtering out external pressures and focusing on personal circumstances empowers retirees to make decisions that resonate with their unique situations. 

Greg shared: “with retirement planning, the more that you are able to plan for the known unknowns, the more resilient you can be for those unknown unknowns.” 

In conclusion, the path to peace in retirement is paved with clarity. By gaining a comprehensive understanding of their financial situation, identifying potential challenges, and recognizing the importance of a structured planning process, individuals can alleviate much of the anxiety that often accompanies this life transition. As the podcast eloquently articulates, when clients filter out the noise of external pressures and focus on their unique circumstances, they can find comfort in their decisions. Ultimately, clarity fosters peace, allowing retirees to fully embrace this new chapter of life with confidence and tranquility. By thinking differently about retirement security, individuals can pave the way for a fulfilling and financially stable future. 

About Greg DuPont 

Greg DuPont is an estate planning attorney, comprehensive financial advisor, and entrepreneur dedicated to helping families protect what matters most—while making confident, informed decisions about their future. 

As the founder of DuPont Law Group and a leader behind The Wealth Solutions Network and Advocate Wealth Solutions, Greg works with individuals and families who want more than documents or disconnected financial advice. His work focuses on clarity, protection, and long-term stewardship—helping clients reduce financial loss, avoid unnecessary conflict, and align their wealth with the lives they actually want to live. 

Greg is known for taking complex legal and financial topics and translating them into clear, practical guidance. His approach is intentionally different: instead of selling products or pushing pre-packaged solutions, he leads with education, diagnosis, and trust. Clients often describe him as calm, strategic, and deeply invested in helping them think clearly before acting. 

Over the course of his career, Greg has advised thousands of families on estate planning, wealth protection, retirement strategy, and legacy design. His work emphasizes proactive planning—addressing risks before they become crises—and helping clients make decisions today that still make sense decades from now. 

At the center of Greg’s philosophy is a simple belief: good planning isn’t about money—it’s about people, responsibility, and peace of mind. Whether working with young families, business owners, or retirees, his goal is the same: to replace uncertainty with confidence and help families move forward with intention. 

Greg lives and works by a mission to impact one million families by protecting legacies, reducing avoidable financial loss, and elevating the way people experience planning. When he’s not working with clients or building new initiatives, he is focused on teaching, mentoring advisors, and creating systems that make high-quality planning more accessible and human. 

Learn more: https://www.advocatewealthsolutions.com/   

Recent News & Interviews:

• Greg DuPont discussed Coordinating Financial Tax and Estate Decisions https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-coordinating-financial-tax-and-estate-decisions/

The information provided by Greg DuPont is intended for general informational and educational purposes only and does not constitute legal, tax, investment, or financial advice. Nothing discussed should be relied upon as a substitute for individualized advice from qualified legal, tax, or financial professionals. All planning strategies and concepts are general in nature and may not be suitable for every individual or situation. 

Any references to financial strategies, investments, or planning concepts are not intended as a recommendation, solicitation, or offer to buy or sell any securities or financial products. Advisory services are offered only pursuant to an advisory agreement and where permitted by law. Past performance is not indicative of future results. 

Participation in this content does not create an attorney-client or advisor-client relationship. Outcomes depend on individual circumstances, applicable laws, and market conditions, which are subject to change.  

ATLANTA, GA — As communities across the country continue to navigate rising stress, burnout, and emotional isolation, a bold new wellness movement is stepping forward to meet the moment. CAREGD (Culture. Care. Connection.) officially launches as a national, culture-driven wellness and social impact company built to normalize emotional check-ins, make mental health culturally fluent, and scale care where it’s needed most.

Founded by Lisa C. Williams, Wellness Architect, former Division I athlete, and veteran brand strategist, CAREGD transforms emotional care into visible, actionable practice through nationwide campaigns, community activations, and technology-enabled tools. The movement meets people where they already are—from barbershops and classrooms to locker rooms, churches, and workplaces.

“We’re not whispering wellness anymore,” said Williams. “We’re checking in loud so people don’t have to struggle quietly. CAREGD exists because culture shapes behavior—and care has to live in the culture to actually work.”

The CAREGD Framework: One Mission, Three Campaigns

At the heart of CAREGD is a simple but powerful question—“Are you good?”—brought to life through three flagship initiatives:

Checking In – Are You Good?

The heartbeat of CAREGD, this national campaign centers emotional check-ins in everyday spaces. Through partnerships with barbershops, schools, churches, nonprofits, and community hubs, it makes mental wellness visible, conversational, and culturally relevant—especially within Black and Brown communities.

Me 1st Then Sports

A protection-first wellness initiative for athletes, coaches, and parents that shifts the narrative from performance to personhood. From youth sports sidelines to professional leagues, this campaign prioritizes mental headspace before the game begins.

You Matter More

A radical affirmation campaign for those who are overworked, overlooked, and quietly struggling—including first responders, frontline professionals, educators, and caregivers. Through message-driven merchandise and storytelling, it reinforces dignity, worth, and humanity beyond productivity.

Wellness That Moves—Literally

In its first year alone, CAREGD has activated its mission through high-impact, real-world experiences across sports, community, and culture, including:

• NBA mental wellness pull-ups, including All-Star Weekend and Summer League check-ins

• Youth sports tournament activations across the South and West Coast

• Firefighter tribute activation with Mayweather Boxing & Fitness honoring 2025 LA Wildfire first responders

• Community check-in with young Black men and residents of Pasadena and Altadena impacted by the Eaton Fire

• Barbershop check-ins and facilitated community conversations with Black men and local leaders

• School-based parent check-in sessions exploring youth mental health and the emotional effects of AI, technology, and social media

• Athlete suicide prevention talks and keynote addresses

• Mental wellness activations at nonprofit conferences

• Black student and Black student-athlete pop-ups

• Church-based activations, including The Drop the Weight Experience

Each activation features visible check-ins, real-time interviews, emotional awareness prompts, and branded wellness tools—bringing care directly into the spaces people already trust.

A Living Movement Hub: Tech + Care

What differentiates CAREGD is its role as a living movement hub—one that allows people to see, wear, and measure care. By integrating technology and wellness, CAREGD leverages pulse metrics, quizzes, NFC taps, text-based check-ins, and partner dashboards to transform awareness into measurable, preventative care—without sacrificing human connection.

Now Seeking Strategic Partners

As CAREGD scales nationally, the organization is inviting aligned partners to join the Check-In Era through:

• Sponsorship of school, sports, and community activations
• Custom employee wellness and culture campaigns
• Fundraising collaborations with churches, youth organizations, and HBCUs
• Support for storytelling, content, and message-driven wellness merchandise

“We’re turning emotional care into currency—making it visible, wearable, and actionable,” Williams added. “This is the movement we wish we had growing up.”

About CAREGD

CAREGD (Culture. Care. Connection.) is a national wellness and social impact movement redefining how mental health is understood, experienced, and prioritized—beyond the therapy room and into everyday life. Cultural, not clinical, CAREGD builds emotionally intelligent campaigns—such as Checking In – Are You Good?, Me 1st Then Sports, and You Matter More—that help communities interrupt silence before struggle turns into crisis.

Through pop-up activations, peer check-ins, message-driven merchandise, and tech-enabled insight tools, CAREGD turns connection into care—and prevention into practice. We are not whispering Wellness anymore. We’re checking in loud so people stop checking out quietly

Greg DuPont discusses coordinating financial, tax, and estate decisions 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-greg-dupont-founder-of-advocate-wealth-solutions-discussing-coordinating-financial-tax-and-estate-decisions/

In this episode of Influential Entrepreneurs, Greg DuPont, the founder of Advocate Wealth Solutions. The discussion centered around the critical importance of coordinating financial, tax, and estate decisions to ensure a holistic approach to wealth management. 

In the complex landscape of personal finance, the coordination of financial, tax, and estate decisions is often overlooked. Many individuals and families view these areas as distinct silos, leading to fragmented planning that can ultimately jeopardize their financial well-being. However, as Greg emphasizes in a recent podcast episode, integrating these components is crucial for effective wealth management. This essay explores the importance of coordinating financial, tax, and estate decisions and provides insights on how individuals can adopt a holistic approach to their financial planning. 

The Importance of Integration 

Historically, financial advisors, estate planning attorneys, and tax professionals have operated in isolation, each focusing on their specific domain. This siloed approach can create significant gaps in planning. For example, an estate planning attorney may draft a will without considering the tax implications of the assets involved, while a financial advisor may recommend investment strategies that do not align with the family’s estate plan. This lack of coordination can lead to unintended consequences, such as increased tax liabilities or assets being misallocated upon death. 

DuPont’s experience as both an estate planning attorney and a financial advisor has provided him with a unique perspective on this issue. He notes that high-net-worth individuals have long benefited from integrated planning through family offices, which coordinate financial, tax, and estate strategies. However, this level of service has not been widely accessible to the average family. By creating Advocate Wealth Solutions, DuPont aims to bridge this gap and offer comprehensive solutions to clients, regardless of their net worth. 

Recognizing the Need for Coordination 

The first step in coordinating financial, tax, and estate decisions is recognizing that these elements are interconnected. Many families do not realize that their financial decisions can significantly impact their estate planning and tax obligations. For instance, retirement accounts often carry substantial tax implications, which can be overlooked in traditional estate planning. As DuPont points out, many attorneys ignore the tax embedded in retirement assets, focusing solely on the legal aspects of estate planning. This oversight can lead to families facing hefty tax bills that could have been mitigated with proper planning. 

To instill this awareness in clients, financial advisors and estate planners must educate them about the interconnectedness of these domains. This education involves illustrating how financial decisions today can affect their legacy tomorrow. By fostering a mindset that values integration, clients can begin to see the benefits of a coordinated approach. 

A Holistic Planning Framework 

Once families understand the importance of coordination, the next step is to develop a holistic planning framework. This framework should encompass the following key components: 

Comprehensive Financial Planning: A thorough understanding of a family’s financial situation is essential. This includes assessing income, expenses, investments, and liabilities. A financial advisor should evaluate how these elements interact and align with the family’s long-term goals. 

Tax Strategy Development: With a clear picture of the family’s financial landscape, the next step is to develop a tax strategy that minimizes liabilities. This strategy should consider the timing of income, deductions, and the tax implications of different investment vehicles. By proactively managing taxes, families can preserve more of their wealth for future generations. 

Estate Planning Integration: Finally, estate planning must be woven into the fabric of the financial and tax strategies. This involves creating wills, trusts, and other legal documents that reflect the family’s values and intentions. Moreover, it requires ongoing communication between the estate planning attorney and financial advisor to ensure that any changes in the family’s financial situation or tax laws are addressed promptly. 

Coordinating financial, tax, and estate decisions is not merely a luxury reserved for the wealthy; it is a necessity for anyone seeking to secure their financial future and protect their legacy. As Greg DuPont highlights, the integration of these components can lead to more effective planning and better outcomes for families. By recognizing the interconnectedness of financial, tax, and estate decisions and adopting a holistic approach, individuals can navigate the complexities of wealth management with confidence and clarity. In doing so, they not only safeguard their wealth but also ensure that their financial decisions align with their life goals and values. 

Greg shared: “And then if God’s plan is different than your plan, and you leave this earth early, how do we save what’s left for the family from being confiscated by the U.S. government? And I use that phrase deliberately.” 

About Greg DuPont 

Greg DuPont is an estate planning attorney, comprehensive financial advisor, and entrepreneur dedicated to helping families protect what matters most—while making confident, informed decisions about their future. 

As the founder of DuPont Law Group and a leader behind The Wealth Solutions Network and Advocate Wealth Solutions, Greg works with individuals and families who want more than documents or disconnected financial advice. His work focuses on clarity, protection, and long-term stewardship—helping clients reduce financial loss, avoid unnecessary conflict, and align their wealth with the lives they actually want to live. 

Greg is known for taking complex legal and financial topics and translating them into clear, practical guidance. His approach is intentionally different: instead of selling products or pushing pre-packaged solutions, he leads with education, diagnosis, and trust. Clients often describe him as calm, strategic, and deeply invested in helping them think clearly before acting. 

Over the course of his career, Greg has advised thousands of families on estate planning, wealth protection, retirement strategy, and legacy design. His work emphasizes proactive planning—addressing risks before they become crises—and helping clients make decisions today that still make sense decades from now. 

At the center of Greg’s philosophy is a simple belief: good planning isn’t about money—it’s about people, responsibility, and peace of mind. Whether working with young families, business owners, or retirees, his goal is the same: to replace uncertainty with confidence and help families move forward with intention. 

Greg lives and works by a mission to impact one million families by protecting legacies, reducing avoidable financial loss, and elevating the way people experience planning. When he’s not working with clients or building new initiatives, he is focused on teaching, mentoring advisors, and creating systems that make high-quality planning more accessible and human. 

Learn more: https://www.advocatewealthsolutions.com/   

The information provided by Greg DuPont is intended for general informational and educational purposes only and does not constitute legal, tax, investment, or financial advice. Nothing discussed should be relied upon as a substitute for individualized advice from qualified legal, tax, or financial professionals. All planning strategies and concepts are general in nature and may not be suitable for every individual or situation. Any references to financial strategies, investments, or planning concepts are not intended as a recommendation, solicitation, or offer to buy or sell any securities or financial products. Advisory services are offered only pursuant to an advisory agreement and where permitted by law. Past performance is not indicative of future results. Participation in this content does not create an attorney-client or advisor-client relationship. Outcomes depend on individual circumstances, applicable laws, and market conditions, which are subject to change.  

Bill Wilson discusses the importance of estate planning 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-bill-wilson-president-of-wilson-financial-group-discussing-estate-planning/

In this episode of Influential Entrepreneurs, host Mike Saunders welcomes back Bill Wilson, President and CEO of Wilson Financial Group, to discuss the critical topic of estate planning. Bill emphasizes the importance of starting the estate planning conversation early and shares insights from a recent consultation with a couple who had not yet established any legal documents, such as wills or trusts. He highlights the risks involved in delaying estate planning, comparing it to “playing Russian roulette.”  

The Importance of Estate Planning for Everyone 

Estate planning is a vital aspect of financial management that should not be overlooked by anyone, regardless of their wealth or social status. Bill highlights the significance of estate planning; he also stresses its importance in avoiding complications such as probate and potential family disputes. 

Avoiding Probate: One of the primary reasons for establishing an estate plan is to bypass the probate process. Probate can be a lengthy and costly legal procedure that occurs after someone passes away, during which the court validates the deceased’s will and oversees the distribution of assets. Bill emphasizes that having a living trust can help avoid probate, ensuring that assets are distributed quickly and privately to beneficiaries without court intervention. 

Preventing Family Disputes: Estate planning clarifies the distribution of assets, which can prevent misunderstandings and disputes among family members. Bill shares a cautionary tale about individuals who neglect to update their beneficiary designations, leading to unintended consequences, such as an ex-spouse inheriting assets. A clear estate plan helps families avoid conflicts and ensures that their wishes are honored. 

Planning for Incapacity: Estate planning is not solely about what happens after death; it also involves preparing for potential incapacity. Bill points out that without proper documents like powers of attorney, family members may have to go to court to gain the authority to make decisions on behalf of an incapacitated individual. This can be a stressful and time-consuming process that proper planning can help avoid. 

Peace of Mind: Establishing an estate plan provides peace of mind for both the individual and their loved ones. Knowing that there is a plan in place to manage assets and make decisions in case of incapacity or death can alleviate anxiety and provide a sense of security. 

Accessibility for All: Contrary to the misconception that estate planning is only for the wealthy, Bill emphasizes that it is relevant for everyone. Many people today are familiar with living trusts and the benefits they offer, making it easier for individuals from all walks of life to engage in estate planning. 

Bill shared: “Estate planning should begin as early as possible. I recount a meeting with a couple who had no will, trust, or powers of attorney in place. I likened their situation to ‘playing Russian roulette,” stressing the unpredictability of life and the necessity of having a plan in place.” 

In conclusion, estate planning is a vital process that everyone should prioritize, not just the affluent. By taking the time to create a comprehensive estate plan, individuals can avoid complications like probate, prevent family disputes, and ensure their wishes are respected. As Bill highlights, proper estate planning is about caring for your loved ones and providing them with the guidance they need during difficult times. 

About Bill Wilson 

Wilson Financial Group focuses on helping people keep what they work hard for when it comes to their retirement. It’s about how you get from where you are right now to where you want to be. It is about achieving your personal financial goals and enabling you to enjoy the fruits of your labors without having to worry if tomorrow will be a good or bad day in the markets. It is important to plot your path, have a plan for how to get there and get the right advice along the way. “We Help Clients Get to Retirement and Through Retirement.” 

Learn More: https://wilsonfinancialgrp.com/  

Recent News & Interviews:

• Bill Wilson discussed How to get to and Through Retirement https://authoritypresswire.com/interview-with-bill-wilson-president-of-wilson-financial-group-on-the-influential-entrepreneurs-podcast-discussing-how-to-get-to-and-through-retirement/
• Bill Wilson discussed Guaranteed Income  https://authoritypresswire.com/interview-with-bill-wilson-president-of-wilson-financial-group-on-the-influential-entrepreneurs-podcast-discussing-guaranteed-income/

No Rendering of Advice. The information contained is provided for informational purposes only and is not intended to substitute for obtaining accounting, tax, or financial advice from a professional accountant. Presentation of the information via the Internet is not intended to create, and receipt does not constitute, an accountant-client relationship. Internet subscribers, users and online readers are advised not to act upon this information without seeking the service of a professional accountant. Any U.S. federal tax advice contained in this website is not intended to be used for the purpose of avoiding penalties under U.S. federal tax law. While we use reasonable efforts to furnish accurate and up-to-date information, we do not warrant that any information contained in or made available through this website is accurate, complete, reliable, current or error-free. We assume no liability or responsibility for any errors or omissions in the content of this website or such other materials or communications. 

New York — AI Leadership Roadmap: How to Lead in the Age of Artificial Intelligence by internationally acclaimed leadership expert and bestselling author Farshad Asl has officially debuted at #1 on the Amazon Best Seller List, signaling a powerful demand for guidance in a rapidly transforming world.

Designed for CEOs, entrepreneurs, and forward-thinking leaders, AI Leadership Roadmap delivers a timely and practical framework for navigating the AI era without sacrificing the human heart of leadership. Blending two decades of leadership wisdom with cutting-edge AI insight, Asl reveals how leaders can integrate technology while preserving culture, trust, and purpose.

“The future belongs to leaders who can think human and act digital,” says Asl. “AI should not replace leadership. It should elevate it.”

In AI Leadership Roadmap, readers discover how to harness artificial intelligence as a partner in innovation, growth, and leadership excellence. The book offers a clear, actionable path for building ethical, AI-ready teams and future-proofing organizations in an age of disruption.

Inside the book, readers will learn:

• How AI is reshaping leadership and redefining success across every industry

• Practical frameworks for building trust, culture, and ethical AI integration

• A step-by-step 30-60-90-day plan to confidently launch AI initiatives

The book also features:

• Real-world case studies from Amazon, Netflix, UPS, JPMorgan Chase, and more

• The C.L.A.R.I.T.Y. Formula for crafting powerful prompts that drive results

• Tools and reflections to future-proof both business strategy and leadership style

Farshad Asl is the bestselling author of The No Excuses Mindset and The Daily Dose of Leadership. Known globally for empowering leaders to grow with purpose, Asl brings clarity, conviction, and courage to a conversation that many find overwhelming. In this landmark release, he bridges timeless leadership principles with the transformative power of artificial intelligence.

Whether you are a CEO, team leader, or entrepreneur, AI Leadership Roadmap is your guide to thriving in the AI era—where technology amplifies, but humanity still leads.

Lead with vision. Serve with heart. Shape the future.

AI Leadership Roadmap is available now on Amazon.

Bill Wilson discusses the significance of guaranteed income 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-bill-wilson-president-of-wilson-financial-group-discussing-guaranteed-income/

In this episode of Influential Entrepreneurs, welcomed back Bill Wilson, the President and CEO of Wilson Financial Group, to discuss the crucial topic of guaranteed income. Bill shared his insights on the importance of having a mix of “know-so” money, such as pensions and social security, and “hope-so” money, like stocks and mutual funds, in a solid financial plan. 

Bill Wilson delved into the concept of guaranteed income, emphasizing its role in providing peace of mind and reducing financial stress during retirement. Bill illustrated this with real-life examples of clients who benefited from restructuring their income streams to ensure consistent and reliable income, even in the face of market volatility. 

Bill also explained the various sources of guaranteed income, particularly focusing on annuities. He addressed common misconceptions about annuities and highlighted their benefits, including income riders and long-term care provisions. He discussed the importance of mitigating risks, such as the sequence of returns risk, and how guaranteed income can help smooth out financial uncertainties. 

Guaranteed income sources, such as pensions and annuities, are essential for providing financial security and peace of mind during retirement. In a podcast episode, Bill makes the distinction between “know so money” and “hope so money” as crucial for understanding the significance of guaranteed income. 

Bill explained: “One of the primary benefits of guaranteed income is the peace of mind it offers retirees. Financial security allows individuals to enjoy their retirement without the constant worry of market performance. This peace of mind can even contribute to longevity, as reduced stress levels are linked to better health outcomes.” 

In conclusion, guaranteed income sources like pensions and annuities are vital components of a solid financial plan for retirement. They provide the financial security and peace of mind that retirees need to enjoy their golden years without the constant worry of market fluctuations. By prioritizing guaranteed income, individuals can create a more stable and stress-free retirement experience. 

About Bill Wilson 

Wilson Financial Group focuses on helping people keep what they work hard for when it comes to their retirement. It’s about how you get from where you are right now to where you want to be. It is about achieving your personal financial goals and enabling you to enjoy the fruits of your labors without having to worry if tomorrow will be a good or bad day in the markets. It is important to plot your path, have a plan for how to get there and get the right advice along the way. “We Help Clients Get to Retirement and Through Retirement.” 

Learn More: https://wilsonfinancialgrp.com/  

Recent News & Interviews:

• Bill Wilson discussed how to get to and Through Retirement https://authoritypresswire.com/interview-with-bill-wilson-president-of-wilson-financial-group-on-the-influential-entrepreneurs-podcast-discussing-how-to-get-to-and-through-retirement/

No Rendering of Advice. The information contained is provided for informational purposes only and is not intended to substitute for obtaining accounting, tax, or financial advice from a professional accountant. Presentation of the information via the Internet is not intended to create, and receipt does not constitute, an accountant-client relationship. Internet subscribers, users and online readers are advised not to act upon this information without seeking the service of a professional accountant. Any U.S. federal tax advice contained in this website is not intended to be used for the purpose of avoiding penalties under U.S. federal tax law. While we use reasonable efforts to furnish accurate and up-to-date information, we do not warrant that any information contained in or made available through this website is accurate, complete, reliable, current or error-free. We assume no liability or responsibility for any errors or omissions in the content of this website or such other materials or communications. 

FOR IMMEDIATE RELEASE 

Pri Cosentino’s new book, “The New Rules of Money,” has achieved significant success on Amazon since its release. On Wednesday, December 17, 2025, the book secured multiple #1 bestseller and hot new release rankings, demonstrating its immediate impact on readers seeking financial guidance. 

The book’s impressive rankings include: 

#1 Best Seller in Education Finance
#1 Best Seller in Education Funding
#1 Best Seller in Financial Risk Management
#1 Hot New Release in Budgeting
#1 Hot New Release in Education Finance
#1 Hot New Release in Education Funding
#1 Hot New Release in Financial Risk Management
#4 Best Seller in Budgeting 

 These rankings highlight the book’s relevance and value to a wide audience, from those looking to fund their education to those interested in managing financial risk and budgeting effectively. 

A Guide to Financial Empowerment 

“The New Rules of Money” is a comprehensive guide that provides readers with the tools and strategies to navigate the complexities of personal finance. The book covers critical topics such as education funding, financial risk management, and budgeting, offering practical advice for achieving financial well-being. By breaking down complex financial concepts into easy-to-understand principles, Pri Cosentino empowers readers to take control of their financial future.  

This book is available for purchase on Amazon 

About Pri Cosentino 

Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth. 

Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy. As an Advisor, Pri applies the W.I.S.E. Planning methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. 

Learn more: https://pricosentino.com/ 

James Kroshus discusses long-term care 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-james-kroshus-president-of-treasure-valley-retirement-shield-discussing-long-term-care/

Kroshus delved into the often-overlooked subject of long-term care, debunking common misconceptions and highlighting the financial risks associated with it. James pointed out that a significant portion of long-term care residents are women and shared anecdotes to underline the emotional and financial toll it can take on families.

James also discussed various strategies to mitigate the costs of long-term care, such as adding riders to life insurance policies or opting for plans that allow for in-home care. He stressed the importance of planning ahead and understanding the triggers for long-term care needs, such as the inability to perform daily living activities over an extended period. 

Plan Ahead for Long-Term Care

As individuals approach retirement, the importance of planning for long-term care becomes increasingly paramount. The podcast featuring James Kroshus sheds light on the often-overlooked realities of long-term care and the financial implications that can arise from inadequate preparation. With a significant percentage of individuals requiring long-term care being female, as noted in the podcast, it is crucial to understand the risks and take proactive steps to mitigate them.

One of the most critical misconceptions surrounding long-term care is the belief that “it will never happen to me.” This mindset can lead to devastating consequences, as illustrated by Kroshus’s anecdote about a family in Lake Tahoe that spent an astonishing $860,000 on long-term care over eight years. Such stories serve as stark reminders that long-term care can be a financial disaster waiting to happen, and it is essential to confront this reality head-on.

Planning for long-term care involves more than just acknowledging its existence; it requires a comprehensive understanding of the various options available. Kroshus emphasizes the importance of having a long-term care policy in place, citing the example of his clients, Lee and Marilyn. Their foresight in purchasing a long-term care policy provided them with a financial safety net that ultimately saved their home when Marilyn required care due to Alzheimer’s. This example underscores the necessity of planning ahead and investing in insurance solutions that can alleviate the burden of long-term care costs.

Moreover, James highlights the various triggers for long-term care needs, such as the inability to perform two of the six activities of daily living over a specified period.

Understanding these triggers is vital for individuals and families as they assess their potential future needs. Additionally, Kroshus points out that long-term care does not always necessitate institutionalization; there are options for receiving care at home, which many individuals prefer. Policies that cover in-home care can provide flexibility and peace of mind, allowing individuals to maintain some control over their care arrangements.

Kroshus also touches on the importance of working with a trusted financial advisor who can guide individuals through the complexities of long-term care planning. Engaging with a knowledgeable professional can help individuals navigate the myriad of insurance options and tailor a plan that fits their unique circumstances. As Kroshus aptly notes, the landscape of long-term care solutions has evolved, offering various innovative options that can help mitigate costs while ensuring adequate care.

Ultimately, the overarching message is clear: plan ahead and be educated about long-term care. The adage “knowledge is power” rings especially true in this context. By prioritizing education, seeking professional advice, and considering the potential financial implications of long-term care, individuals can make informed decisions that enhance their financial security and overall quality of life as they transition into retirement.

The need for long-term care is a reality that many will face, and the time to prepare is now. By taking proactive steps to understand the options available and working with a trusted advisor, individuals can secure a stable and fulfilling retirement, free from the financial burdens that often accompany unexpected health challenges. Planning for long-term care is not just about protecting assets; it is about ensuring peace of mind for oneself and one’s family during what can be a challenging time. 

James shared: “If you go into any long-term care facility today, you will see that about 70% of the people in long-term care are female. Don’t ask me why. It’s just the way it is.”

About James Kroshus 

James has devoted his life to assisting, clients, friends, and family by protecting their assets through insurance and estate planning. James has been in the world of finance and insurance since 1979. As James matured right along with his clients, James became painfully aware of the need that comes at the other end of rainbow, when remaining assets are passed to the next generation. His focus expanded beyond just protection and accumulation to the distribution of wealth after the passing of loved one. With over 45 years of experience James has nearly seen it all.

Learn more at website: jamekroshus.com

Email:  tvrshield@gmail.com or call 775-233-2203

Recent News & Interviews:

• James Kroshus discussed Achieving Financial Peace of Mind https://authoritypresswire.com/james-kroshus-president-of-treasure-valley-retirement-shield-interviewed-on-the-influential-entrepreneurs-podcast-discussing-achieving-financial-peace-of-mind/
• James Kroshus discussed Long Term Care Estate Planning https://authoritypresswire.com/james-kroshus-president-of-treasure-valley-retirement-shield-interviewed-on-the-influential-entrepreneurs-podcast-discussing-long-term-care-estate-planning/

Led by internationally best-selling author and journalist Lynne McTaggart, the collaboration features a diverse panel of world-class experts providing unique insights into the “psychic internet” and the measurable effects of collective intention. From the “Power of Eight” groups to vibrational activism and quantum healing, these experts provide a roadmap for individuals seeking to manifest positive change in an increasingly complex world.

​The collaboration features in-depth contributions from:

• ​Lynne McTaggart: Internationally Best-Selling Author and Journalist, exploring the intersection of frontier science and spirituality through the “Power of Eight.”
• ​Dr. Rhonda M. Wood: CEO of RMW Global Enterprises, who shares how “healing out loud” and spiritual activation dismantle shame and silence.
• ​Stacey Hall: 5x Global #1 Best-Selling Author and Sales Success Strategist, explaining energetic coherence through her “Lighthouse Path” strategy.
• ​Katie Carey: Independent Publisher and Consciousness Teacher, who discusses soulful storytelling and aligning with the frequency of miracles.
• ​Marcia Martin: CEO, Best-Selling Author, and Transformational Coach, offering insights on how stillness and the “magic elixir” of gratitude transform reality.
• ​Amy Levin: CEO and Co-Founder of VibeHaus, who highlights how presence, nervous system regulation, and play reconnect us with vitality.
• ​Dr. Annette Greenwood: Award-Winning Life Coach and Author, focusing on how clarity and emotional connection manifest desired transformations.
• ​Jackie Philip MFA: Founder of Energetic Artistry, sharing how visionary art and “The Colour Codex” transmit light frequencies to heal humanity.
• ​Lisa B. Schermerhorn: Mindset Coach and Quantum Healer, who explains how releasing subconscious patterns and ancestral trauma creates miracles.
• ​Louise Slattery: The MindLady and Multi-Award-Winning Therapist, introducing the “Vibe-Being” method and “Elemetrix” framework for energetic harmony.
• ​Lalitha Donatella Riback: #1 International Best-Selling Author and Mindset Coach, discussing the power of spoken desires and the study of human consciousness.
• ​Antje Swart: Executive Success Strategist and Creator of the “WATCH ME Succeed” process, applying physics and resonance to achieve goals.
• ​Rochelle & Alisha Schwartz: Relationship Coaches and Mental Wellness Experts, exploring how self-awareness creates ripples of healing in communities.
• ​Lauren Brollier Newton: Founder & CEO of Soul Savvy®, who demonstrates how intention serves as “energetic instruction” for designing a soul-led life.
• ​Rosey McBride: International Best-selling Author and Teacher, emphasizing the alignment of thoughts and actions to build confidence and results.
• ​Kostas Kapelas MSc: Founder of Total Health Now Clinic, sharing how heart coherence and the “Master Key System” support real-world healing.
• ​Sonya Figueiredo: Founder of Mindful Transitions, who uses somatic healing and quantum meditation to help individuals find “calm confidence.”
• ​Rosa L. Antonini: Transformational Speaker and Software Engineer, guiding individuals from survival-based living to intentional, self-authored lives.
• ​Cheryl Monroe: Founder & CEO of CK Management and Consultant Group, a combat veteran sharing how disciplined action turns hardship into power.
• ​Birgitta Visser: Author and Light Language Healer, who serves as a conduit for “Light codes” to help others align with their authentic selves.
• ​Brenda Dempsey: Founder & CEO of Book Brilliance Publishing, inspiring a world with “One Voice” through the Map of Consciousness and envisioning.

​The full article, titled “World-Class Experts Share How Consciousness and Intention Create Healing and Global Transformation With Lynne McTaggart,” is now available to read online.

​Read the full collaboration here:

https://mspnewsglobal.com/world-class-experts-share-how-consciousness-and-intention-create-healing-and-global-transformation-with-lynne-mctaggart/

​

​About the Collaboration:

Curated by Mark Stephen Pooler, this article brings together leading voices in the fields of coaching, neuroscience, and personal development to share real-world perspectives on the power of the human mind to shape reality.

Bill Wilson discusses how to get to and through retirement 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-bill-wilson-president-of-wilson-financial-group-discussing-how-to-get-to-and-through-retirement/

The Journey to Retirement vs. The Journey Through Retirement 

When discussing retirement, many people focus solely on the journey to retirement—accumulating savings, investing in retirement accounts, and planning for the day they can finally stop working. However, as Bill Wilson emphasizes in the podcast episode, the journey through retirement is equally, if not more, important. Proper planning for income during retirement is crucial for maintaining lifestyle and financial stability. 

Bill Wilson uses the analogy of climbing Mount Everest to illustrate the difference between reaching retirement and successfully navigating through it. While getting to the summit represents the accumulation phase—working, saving, and investing—the descent symbolizes the challenges faced during retirement. Many individuals may not realize that the majority of financial difficulties occur during this phase, as they transition from earning a paycheck to relying on their savings. 

One of the key points made by Bill is that “income equals lifestyle.” This means that the amount of income generated from retirement savings directly impacts the quality of life during retirement. Bill highlights that it’s not just about how much money you have saved; it’s about how that money will provide a consistent and reliable income stream throughout retirement. 

To illustrate this, Bill shares a scenario where a client expresses concern about not having enough income in retirement to match their current lifestyle. This realization prompts a deeper discussion about the importance of planning for income, rather than merely focusing on asset accumulation. 

Bill explained: “As people are living longer and healthier lives, the need for a robust income plan becomes even more critical. Bill encourages clients to consider their family history and potential longevity when planning for retirement. Understanding how long they might live can help in estimating how much income will be needed to sustain their lifestyle over the years.” 

Bill also mentions the “Rule of 100,” which suggests that individuals should subtract their age from 100 to determine the percentage of their portfolio that should be in riskier investments. This rule serves as a guideline for balancing growth and safety, especially as one approaches retirement age. The older you get, the more important it becomes to prioritize safety and ensure that your income streams will last. 

Bill also touches on various risks that can impact financial stability during retirement, such as inflation, healthcare costs, and market volatility. Bill emphasizes that these risks can significantly affect the nest egg that individuals have worked hard to build. For instance, inflation can erode purchasing power, while unexpected health issues can lead to substantial medical expenses. 

To mitigate these risks, Bill advocates for a diversified approach to retirement planning. He introduces the ABCs of financial planning: 

A for bank accounts, which provide safety but limited growth. 

B for accounts that offer better returns with some level of protection. 

C for securities, which can provide growth but also come with the risk of loss. 

By understanding and implementing a mix of these options, retirees can create a more stable financial foundation that supports their lifestyle throughout retirement. 

In conclusion, the journey to retirement is just as important as the journey through retirement. Planning for income during retirement is crucial for maintaining lifestyle and financial stability. As Bill Wilson articulates, it’s essential to consider not only how much money you have saved but also how that money will work for you in the long run. By addressing potential risks, understanding the importance of income, and creating a diversified plan, individuals can navigate the complexities of retirement with confidence and security. 

About Bill Wilson 

Wilson Financial Group focuses on helping people keep what they work hard for when it comes to their retirement. It’s about how you get from where you are right now to where you want to be. It is about achieving your personal financial goals and enabling you to enjoy the fruits of your labors without having to worry if tomorrow will be a good or bad day in the markets. It is important to plot your path, have a plan for how to get there and get the right advice along the way. “We Help Clients Get to Retirement and Through Retirement.” 

Learn More: https://wilsonfinancialgrp.com/  

No Rendering of Advice. The information contained is provided for informational purposes only and is not intended to substitute for obtaining accounting, tax, or financial advice from a professional accountant. Presentation of the information via the Internet is not intended to create, and receipt does not constitute, an accountant-client relationship. Internet subscribers, users and online readers are advised not to act upon this information without seeking the service of a professional accountant. Any U.S. federal tax advice contained in this website is not intended to be used for the purpose of avoiding penalties under U.S. federal tax law. While we use reasonable efforts to furnish accurate and up-to-date information, we do not warrant that any information contained in or made available through this website is accurate, complete, reliable, current or error-free. We assume no liability or responsibility for any errors or omissions in the content of this website or such other materials or communications. 

GREATER SACRAMENTO, Calif. — January 6, 2026 — US Construction Zone (USCZ), a digital networking platform built for construction industry leaders, today announced the launch of RankZoom, a new visibility platform designed to help home service businesses show up more often when homeowners search—and when they ask AI tools like ChatGPT and Google’s AI experiences who to hire.

Search behavior has shifted: customers increasingly ask questions in AI assistants and AI-powered search experiences, where results are summarized and only a handful of businesses get mentioned. RankZoom addresses this shift by consistently publishing clear, service-and-city-specific content designed to make a business easier for both search engines and AI systems to understand and recommend.

“Contractors don’t need another marketing trend—they need results,” said Jeremy Owens, CEO/Founder of US Construction Zone. “RankZoom was built to help solid businesses become the obvious choice when people ask AI and search engines who they should call.”

Built for the way customers search now

RankZoom automatically generates and publishes 30 local content pages every month so home service businesses can expand their digital footprint across the specific cities and services they want to win.

That consistent publishing helps businesses:

• Increase visibility across traditional search and AI-driven discovery

• Show up for more “city + service” intents (the exact way homeowners look for help)

• Turn expertise into demand by answering real customer questions at scale

“Most owners don’t have the time—or the desire—to become content machines,” said Matthew Loughran, EMBA, Executive Advisor at US Construction Zone. “RankZoom is built to do the heavy lifting so a business can stay present everywhere customers are looking.”

Availability

RankZoom is available now at RankZoom.com.

About US Construction Zone

US Construction Zone (USCZ) provides construction industry leaders with a digital networking platform to share knowledge, discover pertinent content, and pursue growth professionally and personally. US Construction Zone

An integrated real estate and lending strategy emphasizes experience, coordination, and long-term wealth building 

Brian Crawley is redefining how entrepreneurs and investors approach real estate by introducing a coordinated, team-based model that integrates real estate strategy and mortgage expertise under one unified framework. With a background spanning both high-growth real estate and mortgage organizations, Brian’s approach centers on organization, experience, and investor-focused outcomes in an industry where fragmentation often leads to missed opportunities and unnecessary risk. 

The problem? Many real estate investors rely on loosely connected professionals—agents, lenders, and advisors who operate independently rather than collaboratively. This lack of coordination can result in higher costs, misaligned incentives, and strategies that fail to support long-term wealth creation. In the end, commissions are usually put ahead of the clients best interests. Brian’s model addresses this gap by aligning real estate and mortgage professionals around a shared objective: protecting the investor’s interests while identifying strategic opportunities. 

Over the past six years, Brian has been an owner or partner in both a large real estate company and a large mortgage company. Drawing from this experience, he has developed laser-focused teams designed to work in lockstep, combining market insight, lending strategy, and execution to support more informed investment decisions. 

At the core of Brian’s philosophy is the belief that the right team determines success in real estate investing. Rather than viewing home equity as idle value, his approach treats it as a strategic tool for building wealth. Investors working with Brian’s teams are guided to think beyond individual transactions and toward integrated strategies that support growth, efficiency, and resilience across market cycles. 

Brian works closely with his lending company, First Rate Home Loans, alongside real estate professionals affiliated with firms including Abraxia, Realtypath, Keller Williams, and Equity Real Estate. This collaborative structure allows for streamlined communication, clearer planning, and a more consistent client experience throughout the investment process. 

“In real estate, experience and coordination matter more than most people realize,” said Brian. “When investors have a team that is organized, aligned, and focused on outcomes, they are positioned to make better decisions and avoid costly mistakes. To put it simply, When the clients investment and outcome take number one priority, everyone wins long-term” 

In addition to his operational experience, Brian has spent more than a decade developing a proprietary system designed to identify real estate investment opportunities that are not widely available to the general public. This system is paired with a client-first philosophy that prioritizes long-term relationships and sustainable results. In some cases, this includes structuring transactions in ways that favor investor outcomes, even when it requires internal concessions. 

Brian’s approach reflects a broader shift within real estate investing toward transparency, collaboration, and strategic planning. As market conditions evolve and investors seek greater efficiency and clarity, integrated models that align lending and real estate expertise are gaining attention for their potential to reduce risk and increase opportunity. 

Entrepreneurs and investors interested in learning more about Brian’s team-based real estate and mortgage strategy are encouraged to explore available resources or initiate a conversation to assess alignment and opportunity. 

To learn more about Brian Crawley, visit www.brianc360.com
To learn more about First Rate Home Loans, visit www.firstratehomeloans.com 

James Kroshus discusses the importance of long-term care & estate planning 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-james-kroshus-president-of-treasure-valley-retirement-shield-discussing-long-term-care-estate-planning/

James emphasized the importance of having a trust in place to avoid the costly and lengthy probate process. He shared real-life examples, including a case where an attorney charged exorbitant fees for a trust that wasn’t properly funded, leading to significant financial loss for the heirs. He also highlighted the dangers of not having a co-trustee, which can result in family assets being transferred to unrelated parties. 

 In the journey of life, one inevitable truth remains: none of us can escape death. While this may seem a morbid reality, it serves as a powerful reminder of our responsibilities to those we love. As discussed in a recent podcast, the act of planning for the future of our loved ones is not merely a legal obligation but a profound expression of love and care. The conversation highlighted the necessity of estate planning, emphasizing that those who love others should take proactive steps to ensure their well-being even after we are gone. 

The essence of estate planning lies in its ability to safeguard the future of our loved ones. When we pass away, the impact of our decisions—or lack thereof—can resonate through generations. If we fail to plan, we risk leaving our family members with the burden of navigating complex legal and financial landscapes during an already difficult time. As the podcast host pointed out, “If we mess it up, we mess it up for our kids.” This sentiment underscores the importance of taking the time to create a comprehensive estate plan, one that reflects our wishes and provides for our family’s needs. 

For those who have loved ones they wish to protect, the first step in the estate planning process is to connect with a knowledgeable attorney. The podcast featured James Kroshus, an expert in estate planning, who provided valuable insights into the process. He emphasized that reaching out to professionals can help individuals navigate the intricacies of estate planning, ensuring that their assets are managed according to their desires. As James stated, “When you love someone, you plan.” This simple yet profound statement encapsulates the essence of why estate planning is essential. 

One critical aspect of estate planning is the establishment of a trust. However, creating a trust is only part of the equation; funding that trust is equally vital. A trust that is not adequately funded can lead to complications, including the potential for probate, which can delay the distribution of assets and increase costs. By ensuring that a trust is properly funded, individuals can protect their assets, minimize expenses, and ultimately provide peace of mind for their loved ones. 

James shared: “Experience is our greatest teacher. experience is more valuable than titles, designations, or certificates hanging on a wall. there is no substitute for wisdom created by years of experience.”  

In conclusion, the importance of funding your trust cannot be overstated. Proper estate planning involves not only creating a trust but also ensuring that it is adequately funded to avoid the pitfalls of probate. By taking this crucial step, you can protect your assets, minimize costs, and provide peace of mind for your loved ones. As highlighted in the discussion with Jim, working with the right attorney can guide you through the process of funding your trust, ensuring that your estate is managed according to your wishes and that your heirs are shielded from unnecessary complications. Ultimately, proactive estate planning is an act of love for your family, allowing you to leave a legacy that is both meaningful and well-preserved. By taking the time to plan effectively, you can help safeguard your family’s future and maintain the bonds that matter most. 

About James Kroshus 

James has devoted his life to assisting, clients, friends, and family by protecting their assets through insurance and estate planning. James has been in the world of finance and insurance since 1979. As James matured right along with his clients, James became painfully aware of the need that comes at the other end of rainbow, when remaining assets are passed to the next generation. His focus expanded beyond just protection and accumulation to the distribution of wealth after the passing of a loved one. With over 45 years of experience, James has nearly seen it all. 

For more information, go to: http://jameskroshus.com/ or call 775-233-2203 

Recent News & Interviews:

• James Kroshus discussed Achieving Financial Peace of Mind https://authoritypresswire.com/james-kroshus-president-of-treasure-valley-retirement-shield-interviewed-on-the-influential-entrepreneurs-podcast-discussing-achieving-financial-peace-of-mind/