Written specifically for the Canadian market, this practical and candid guide helps entrepreneurs navigate the complexities of selling a business, including valuation, tax considerations, deal structure, and transition planning.

Selling a business is often the largest financial event in an owner’s life, yet many approach it without a strategy. Nairn addresses this gap directly, equipping readers with the knowledge to avoid costly mistakes and maximize the value of what they’ve built.

“Selling a business isn’t something you do every day. The skills required to do this are typically not learned until the need arises,” writes Nairn. “There’s a good chance you might be unsure of what steps are involved, what needs to be prioritized, and when.”

Inside the book, business owners will discover:

• How to determine what their business is truly worth in today’s Canadian market
• The steps to prepare for a successful and profitable exit
• How taxes, deal structure, and timing impact net proceeds
• What buyers are really looking for and how to position accordingly
• How to protect their legacy while securing their financial future

Nairn also brings a unique perspective by addressing both the financial and emotional sides of selling a business, helping owners move forward with confidence.

Business owners planning their exit or wanting to prepare for the future can take advantage of this limited-time Amazon Flash Sale: https://www.amazon.com/dp/B0DRL7QDGV

About the Author

Jim Nairn, MBA, MCBI, BCA, is one of Canada’s leading business brokers and the only broker with the Master Certified Business Intermediary designation between Toronto and Montreal. With more than a decade of experience guiding entrepreneurs through the emotional and financial complexities of buying and selling businesses, Jim is known for his integrity, professionalism, and dedication to helping owners achieve the best possible outcomes. He is passionate about education, lifelong learning, and empowering business owners to transition into their next chapter successfully.

Tangible Wealth Solutions (TWS) today announced that its President and Founder, Ryan Finch, CFP®, has been recognized for his longstanding commitment to community service through youth soccer coaching in Colorado.

Finch was named Skyline Advanced League Coach of the Year by the Skyline Soccer Association and was nominated for the Colorado Soccer Association (CSA) Advanced League Boys Coach of the Year.

With more than 20 years of coaching experience, Finch has worked with leading youth soccer organizations, including Colorado Fusion, Colorado Rapids Youth Soccer Club, and Skyline Soccer Club. He holds a U.S. Soccer National Coaching C License and has coached at the advanced competitive level. Finch previously played competitive club soccer and was a varsity soccer athlete in high school.

“Community involvement and leadership are core values at Tangible Wealth Solutions,” said Finch. “Coaching youth athletes is one way to contribute positively beyond the workplace and support the development of future leaders.”
Tangible Wealth Solutions, commonly known as TWS, is a financial services firm with real estate emphasis focused on education-driven planning and long-term relationships. Finch’s coaching recognition reflects the firm’s broader commitment to service, integrity, and leadership within the communities it serves.

Tangible Wealth Solutions (TWS) is a financial services firm providing investment solutions to individuals, family offices, and business owners. Founded by Ryan Finch, the firm emphasizes disciplined planning, education, and long-term financial stewardship.

For more information on Emerson Equity, please visit FINRA’s BrokerCheck website. You can also download a copy of Emerson Equity’s Customer Relationship Summary to learn more about their role and services.
General Disclosure

Not an offer to buy, nor a solicitation to sell securities. All investing involves risk of loss of some or all principal invested. Past performance is not indicative of future results. Speak to your finance and/or tax professional prior to investing. Any information provided is for informational purposes only.

Securities through Emerson Equity LLC Member: FINRA/SIPC. Only available in states where Emerson Equity LLC is registered. Emerson Equity LLC is not affiliated with any other entities identified in this communication.

Salt Lake City, UT – February 2026 — From a modest Utah home where every dollar mattered to coaching 1,000+ clients and freeing up $8 million in annual cash flow, #1 international best-selling author Wade L. Reed has spent two decades mastering the art of financial transformation. Now, the founder of Money Mastery Coaching is launching True Wealth alongside a comprehensive 6-month group coaching program and online course designed to move families from financial chaos to automated clarity.

Wade’s journey began in crisis. In 2010, working as a commission-only life insurance salesman, unable to provide for his young family, he hit rock bottom. Standing in his kitchen, he cried out to God in desperation. That breaking point became his breakthrough—a mentor named Greg intervened, and Wade discovered the principles that would transform not just his finances, but his entire life.

“Financial freedom is having what you want and wanting what you have,” Wade explains. “Most people are stuck in the Money Fog—a disheartening mixture of lack, scarcity, confusion, and fear. The fog lifts when you learn to organize, systemize, optimize, and maximize your money flow.”

With an MBA and 20 years of experience helping families escape financial stress, Wade has distilled his proven methodology into the OSOM Method (pronounced “Awesome”)—a four-step framework that transforms financial chaos into automated clarity:

Organization — Bring clarity to your financial reality. Calculate your net worth. Understand your beliefs about money. See where you actually stand.

Systemizing — Create consistent habits and automated flows. Implement the game-changing Wealth Capture/Clearing Account. Build systems that work while you sleep.

Optimization — Refine efficiency and manage risk. Optimize your tax strategy. Use the Cash Flow Index method to strategically eliminate debt. Build your financial dream team.

Maximization — Accelerate wealth and build legacy. Implement the Wealth Allocation Pyramid. Create your Family Bank Strategy. Build generational wealth.

True Wealth serves as both personal testimony and practical guide, combining Wade’s unfiltered story with tools, frameworks, and step-by-step systems families can implement immediately. The book addresses what Wade identifies as a critical challenge: how families can break free from financial stress and marital conflict over money to unveil lives of abundance, purpose, and generational impact.

Wade’s methodology emphasizes what he calls “True Wealth”—a philosophy grounded in the understanding that financial freedom extends beyond bank balances into physical well-being, mental clarity, spiritual connection, and social relationships.

“By simply changing the order of your cash flow, the results are often staggering,” Wade writes. “I’ve seen clients dramatically increase their savings rate, from an average of about 5% of gross income to as much as 35% of gross income. Make your financial life boring in its mechanics, so your life can become extraordinarily exciting in its possibilities.”

Early readers have responded with powerful testimonials. Kim D. H. Butler, Co-Founder of the Prosperity Economics Movement, writes: “When you take ownership of your financial life, you create more than wealth. You create freedom. You create impact. You create a life you love.”

Dr. Nick Sechrist, CEO of Elevation Now Wellness Center, adds: “No other book connects the most PRACTICAL and EMOTIONAL roots of financial stress and wealth ACTUALIZATION like True Wealth. Wade has bridged the crucial gap between oftentimes boring, practical structure, AND the emotional mindset necessary to connect the dots to your specific, individualized, and most EFFICIENT financial success plan.”

The book represents a distinctive offering in the personal finance space, combining Wade’s unique background—financial crisis, faith-based transformation, and proven track record—with a comprehensive framework that honors both practical systems and emotional healing. Readers come away equipped with automated money management systems and the deep knowing that financial freedom is achievable.

True Wealth speaks directly to married couples experiencing financial stress, families tired of living paycheck to paycheck, business owners seeking tax optimization, and anyone experiencing marital conflict over money. This is not a book for those seeking quick fixes. This is for those ready to do the work—the real, systematic work of financial transformation.

The 6-month group coaching program provides coaching and accountability to work through the complexity of personal finances and make it easily manageable. The companion online course offers simple yet transformational systems that virtually automate money management, helping families get organized, build momentum, and prepare confidently for retirement.

Wade continues his work through Money Mastery Coaching, the Wealth Acceleration Podcast, and now the 6-month group coaching program launching February 2026.

True Wealth: More Than Money—A Blueprint for Life is available on Amazon. Program enrollment opens at www.moneymasterycoaching.com.

Tangible Wealth Solutions (TWS) today announced that its President and Founder, Ryan Finch, CFP®, has been recognized for his longstanding commitment to community service through youth soccer coaching in Colorado. Finch was named Skyline Advanced League Coach of the Year by the Skyline Soccer Association and was nominated for the Colorado Soccer Association (CSA) Advanced League Boys Coach of the Year.

With more than 20 years of coaching experience, Finch has worked with leading youth soccer organizations, including Colorado Fusion, Colorado Rapids Youth Soccer Club, and Skyline Soccer Club. He holds a U.S. Soccer National Coaching C License and has coached at the advanced competitive level. Finch previously played competitive club soccer and was a varsity soccer athlete in high school.

“Community involvement and leadership are core values at Tangible Wealth Solutions,” said Finch. “Coaching youth athletes is one way to contribute positively beyond the workplace and support the development of future leaders.”

Tangible Wealth Solutions, commonly known as TWS, is a financial services firm with real estate emphasis focused on education driven planning and long term relationships. Finch’s coaching recognition reflects the firm’s broader commitment to service, integrity, and leadership within the communities it serves.

About Tangible Wealth Solutions

Tangible Wealth Solutions (TWS) is a financial services firm providing investment solutions to individuals, family offices, and business owners. Founded by Ryan Finch, the firm emphasizes disciplined planning, education, and long term financial stewardship.

Location Info:
Tangible Wealth Solutions LLC
9250 E Costilla Ave suite 105, Greenwood Village, CO 80122
+17209961794

Business owners considering retirement or a future exit now have a limited-time opportunity to access Sweat Equity Payday by Mark Hartmann, a mergers-and-acquisitions advisor, during a Special Amazon Flash Sale.

Written for lower-middle-market business owners, Sweat Equity Payday delivers a practical, direct roadmap for preparing a business for sale, protecting the legacy, and maximizing value at exit. The book draws on Hartmann’s firsthand experience building, scaling, and selling his own eight-figure company. It combines strategic insight with real-world lessons from advising hundreds of owners through the sale process.

The book focuses on what actually drives outcomes at the closing table. Topics include business valuation, buyer psychology, negotiation strategy, owner dependency, due diligence pitfalls, and the critical final phase between letter of intent and wire transfer. Hartmann also addresses the emotional realities of selling a business, including identity, legacy, and life after the sale, areas that many owners underestimate until it is too late.

“Most owners only get one chance to sell their business,” said Hartmann. “The goal is not just to get a deal done, but to walk away confident that you protected what you built and secured the future you worked for.”

Sweat Equity Payday is available now at a special discounted price during this Flash Sale, but only for a limited time. Get your copy today before the sale ends: https://www.amazon.com/dp/B0G69376Y8

For business owners who want clarity, leverage, and control over their exit, Sweat Equity Payday serves as both a reality check and a step-by-step guide to turning decades of work into a successful, well-earned payoff.

​About the Author

Mark Hartmann, MBA, is a New Jersey–based mergers and acquisitions advisor and business broker who helps owners of companies with $1 million to $25 million in revenue plan and execute successful exits. Before advising others, Mark built, scaled, and sold his own company, a three-time Inc. 5000 honoree, giving him firsthand insight into the challenges owners face at exit. He is a Certified Business Intermediary, Certified Exit Planning Advisor, Certified Value Builder, and Financial Modeling and Valuation Analyst. Through HartmannRhodes, Mark works closely with founders to prepare their businesses for sale, negotiate favorable terms, and transition confidently into their next chapter.

In Financial FLOW, Violetta Sit Terpeluk challenges the traditional, numbers-only view of financial planning. Instead, she introduces a holistic framework that prioritizes life over money, helping readers align their financial decisions with what truly matters most to them. Drawing on more than two decades of experience working with retirees, business owners, and successful professionals, Terpeluk presents a clear methodology for achieving both financial confidence and personal fulfillment.

“Money was never meant to be the goal,” says Terpeluk. “It is a tool that should support the life you want to live. When people gain clarity around their values and purpose, financial decisions become calmer, more intentional, and far more empowering.”

At the heart of the book is the FLOW philosophy, which stands for Fulfilling Life and Optimizing Wealth. Readers are guided through a thoughtful process that blends behavioral finance, goal-based investing, risk management, and life planning. The book also introduces the INDIGO Journey, a step-by-step approach designed to help readers move from uncertainty and fear to clarity, resilience, and intentional action.

Unlike traditional financial books that focus narrowly on returns and strategies, Financial FLOW addresses the emotional and behavioral aspects of money, including biases, blind spots, and the cost of inaction. Through real-world client stories, reflective questions, and practical insights, readers learn how to create a true return on life.

Financial FLOW is available now at a special discounted price during this Flash Sale, but only for a limited time. Get your copy today before the sale ends: https://www.amazon.com/dp/B0G6M744KY

​About the Author

Violetta Sit Terpeluk, MBA, CFP®, CEPA®, is a seasoned financial life planner with more than twenty years of experience guiding individuals, families, and business owners through complex financial decisions and life transitions. She specializes in retirement planning, distribution strategies, legacy planning, and business exit planning. Known for her calm, thoughtful approach, Violetta integrates behavioral finance with strategic planning to help clients align their wealth with their values and life goals. Financial FLOW reflects her deeply held belief that money is a tool meant to support a fulfilling, purposeful life, not the other way around.

Written by seasoned advisors Hawley MacLean and Dan Springer, Master Planning delivers a powerful, practical, and emotionally intelligent roadmap for business owners facing one of the most pivotal decisions of their lives: how and when to exit their business with clarity, confidence, and purpose.

Drawing on more than 35 years of hands-on experience, the authors reveal the process, pitfalls, strategies, and emotional realities that business owners must understand to achieve a smooth and successful exit on their own terms.

With 76% of business owners experiencing regret within one year of selling their business (Mysogland, E) , MacLean and Springer set out to change that outcome. Through a strategic and deeply personal approach, they guide entrepreneurs in avoiding rushed decisions, reactive planning, or value-destroying missteps.

“Your exit is inevitable—and planning for it is not an option but a necessity,” says MacLean. “Too many owners wait until the Six Ds—death, divorce, disability, distress, disagreement, or decline in health—force their hand. We wrote this book to help owners prepare proactively, reduce regret, and enter the next chapter of life with peace of mind.”

“Exit planning isn’t just about money,” adds Springer. “It’s about identity, purpose, legacy, family harmony, and knowing what comes next. A great financial plan, a well-coordinated advisory team, and clarity on personal goals can make the difference between a stressful transition and a fulfilling one.”

Inside Master Planning readers will discover: 

• Why most business owners dramatically misjudge their company’s value
• How to build a “dream team” of advisors who collaborate instead of working in silos
  [Mysogland, E. (2018, April 1). Emotional considerations for transitions. Exit Planning Institute Blog. https://blog.exit-planning-institute.org/emotional-co]
• The hidden emotional and psychological obstacles that sabotage exits
• Why early planning prevents taxes, conflict, and last-minute chaos
• How to identify your “wealth gap” and ensure your sale funds the next chapter of life
• The Four Pillars of Value that determine whether a buyer pays a premium or walks away
• How contingency and continuity planning protect your family, employees, and legacy
• Real-world client stories showing what works and what goes disastrously wrong

The book is filled with professional insights, memorable client experiences, and clear, actionable strategies. Whether a business owner is preparing to exit in 2 years or 20, Master Planning helps eliminate guesswork and replace anxiety with direction.

For a short time, readers can download Master Planning: The Art of Exiting Your Business at a special discounted price exclusively on Amazon at https://www.amazon.com/dp/B0G2768W4V

About the Authors

Hawley MacLean is a financial advisor, exit planner, bank co-founder, and trusted guide to business owners nationwide. With over 35 years of experience, he has helped numerous entrepreneurs navigate growth, value acceleration, and successful transitions.

Dan Springer is an experienced advisor and strategist specializing in helping business owners design exit strategies that honor their life’s work while strengthening the future of their companies, families, and communities.

Drawing from his own journey from $400,000 in debt to debt-free, financially independent, and building a portfolio of 10+ income-producing properties worth over $500,000 in under five years, Tuch delivers a clear, practical system to master money, create cash flow, and build a legacy that lasts.

Unlike hype-driven advice, The Abundant Wallet launches a movement for professionals and business owners who earn well but still feel behind, sit on idle cash without clarity, or live one emergency away from financial disaster.

In The Abundant Wallet, readers will discover how to:

• Use tools like Infinite Banking the right way to grow wealth predictably
• Structure income, expenses, and assets like the top 1%
• Break through income ceilings as W2 professionals and business owners
• Put idle cash to work without locking it away for decades
• Build long-term wealth without gambling, timing the market, or burning out

“This book is for anyone who feels stuck doing everything ‘right’ but still isn’t free,” said Tuch. “I wanted to share the exact methods that helped me eliminate debt, create financial control, and build true peace of mind for my family so others can do the same.”

With a foreword by Caleb Guilliams, founder of BetterWealth, The Abundant Wallet equips readers with both mindset shifts and step-by-step financial strategies that work in every market condition.

The book is available now on Amazon at an introductory price: https://www.amazon.com/dp/B0FMKP46ML

About Larry Tuch
Larry Tuch is a data engineer, real estate investor, and financial strategist who went from $400,000 in debt to debt-free and financially independent in under five years. Today, he owns a portfolio of 10+ properties and is actively growing beyond $500,000 in assets toward a higher net worth. He is the founder of The Abundant Wallet Method, a values-based wealth strategy that helps professionals, investors, and business owners achieve clarity, liquidity, and legacy.

In The Wealth Ripple, Thomas delivers a step-by-step, practical, and inspiring guide to:

• Take control of your money, no matter where you’re starting from
• Break destructive financial cycles and replace them with wealth-building habits
• Master budgeting without fear and boost credit with confidence
• Start investing (even with just $5) and harness the power of compounding
• Create generational wealth and inspire change in your family and community

Drawing on years of experience as a Board Certified Credit Consultant and Certified Financial Literacy Professional, along with her own personal journey from financial missteps to financial mastery, Thomas offers a compassionate, no-nonsense roadmap for anyone tired of living paycheck to paycheck.

“Financial freedom isn’t just for the wealthy—it’s for anyone willing to take small, intentional steps, consistently,” says Thomas. “This book is designed to show you exactly how to do that—and to help you change not only your life but the financial future of generations to come.”

The Amazon Flash Sale offers readers an opportunity to grab The Wealth Ripple at a special, reduced price—but only for a short time. 

This limited-time event is perfect for:

• Anyone struggling to get ahead financially
• Families who want to break generational cycles of money stress
• Young adults seeking a solid financial foundation
• Readers looking for a gift that will make a lifelong impact

The Wealth Ripple is available August 19, 2025 at its special Flash Sale price exclusively on Amazon:
https://www.amazon.com/dp/B0FLC2V87N

About Cassandra M. Thomas

Cassandra Thomas is a dedicated financial educator who empowers individuals and families to take control of their money and create a path toward lasting wealth. As a Board Certified Credit Consultant, Certified Credit Score Specialist, and Certified Financial Literacy Professional, she is committed to making financial literacy accessible to every household. Her mission is to equip people with the knowledge and tools to break financial cycles and build a legacy of abundance.

Beyond Exit Planning delivers the tools, insights, and real-world strategies necessary to transform your business legacy into a launchpad for your next great adventure.

“With over 30 years helping entrepreneurs navigate their financial futures, I’ve seen how emotionally and financially complex exiting a business can be,” said author Rod Chamberlin. “This book is here to make sure no business owner has to face that uncertainty alone.”

The book walks readers through:

• How to safeguard your legacy and avoid the most common—and costly—exit mistakes
• What to do before the sale to maximize value and reduce taxes
• Why a business without a plan risks disappearing into thin air
• How to find purpose and fulfillment in life after business
• What buyers are really looking for when evaluating your company

Rod’s compassionate guidance includes personal stories, expert interviews, and step-by-step frameworks that empower owners to leave on their terms and enter their next phase of life with clarity and confidence.

“This isn’t just about selling your business,” Chamberlin explains. “It’s about redefining what success looks like for you after the sale and building a life that’s as intentional as the business you built.”

Don’t miss the chance to grab Beyond Exit Planning at its lowest price ever during the limited-time Amazon Flash Sale. Whether you’re five years out or five months away, this is the roadmap every entrepreneur needs to exit right and move forward boldly.

Get your copy on special flash sale July 10, 2025.

https://www.amazon.com/dp/B0FDLCZT8V

About the Author
Rod Chamberlin has been an entrepreneur since age 10 and a trusted Financial Advisor since 1991. He holds a Master’s in Financial Services (MSFS) and multiple professional designations, including Certified Exit Planning Advisor (CEPA), Certified Mutual Fund Specialist (CFS), Retirement Income Specialist (RIS), Certified Annuity Specialist (CAS), Certified Estate Planning Specialist (CES), and Certified Tax Specialist (CTS).

Rod specializes in helping business owners maximize the value of their life’s work and transition successfully to the next chapter. Raised with strong Midwest values, Rod now lives in California, where he enjoys woodworking, welding, long-range shooting competitions, and spending time with his wife, Lora, and their daughters, Sara and Rachel.

Carol A Santella, a Strategic Recognition Positioning Advisor, is leading that shift with the proprietary method that honors the human side of excellence.

“It’s not about being featured,” Santella explains. “It’s not a marketing gimmick or pay-to- play exposure. It’s about honoring professionals and firms whose work stands out, not just because of results, but because of how they lead, treat people and show up in their communities.”

Through campaigns like “The Recognition of Honor,” “The Recognition Effect,” “The Distinguished Authority Positioning Blueprint” and “The Paragon Award,” Santella’s work  positions professionals for what she calls a true mark of distinction -not only for how they appear, but also for who they are. These methods are crafted to reflect a professional’s true integrity, values and contributions.

While all this visibility often translates into more client trust and opportunity, it’s the emotional resonance that leaves the deepest impression.

“Recognition with honor is so much more than just acknowledgment,” she shares.  “It reaches into the heart of a person’s, firm’s or business’s core. It creates transformation that traditional marketing, branding, or PR simply can’t touch.”

Now open to a select number of elder law professionals, attorneys, healthcare leaders and values-based firms, this unique approach to recognition is raising the bar.

Words from others:

“The energy in our office has changed ever since we implemented ‘The Recognition Effect.’ It carried over into the community in such a unique way, the likes we have never seen, that their perception and interaction was markedly evident. Carol is a definite unfair advantage.”

Her evergreen credibility strategies enhance our marketing efforts, multiplying their effectiveness, turning recognition into a competitive edge.”

To learn more or to recognize someone, a team, firm or business whose work deserves this level of distinction, you can visit: https://smallbusinessacceleration.com/honor or contact Carol A Santella at 412-681-1105.

Ascent Dealer Services, a nationally recognized leader in finance and insurance (F&I) solutions for automotive dealerships, proudly announces the appointment of James Mercer as Vice President of Sales. The company’s expansion reflects a growing demand for innovative F&I services across the United States, and Mercer will lead the sales and acquisition division to further accelerate growth.

James Mercer, an automotive F&I veteran with nearly 20 years of experience, is known for his excellence in sales leadership, dealership development, and agent success training. Prior to joining Ascent, he served as Divisional Sales Director at Protective, one of the largest automotive insurance companies in the U.S., where he led operations in the Western region for the automotive agent channel.

“James’s track record of driving results and building strong client relationships makes him the perfect leader for this next phase of Ascent’s growth,” said Adam Marburger, CEO of Ascent Dealer Services. “His experience and passion for performance align perfectly with our mission to deliver cutting-edge F&I solutions that empower dealers nationwide.”

Mercer began his career at Protective in 2006 as an Account Executive and quickly rose through leadership roles, including Trainer, National Trainer, Regional Manager, and Regional Vice President. His unique ability to scale sales operations and mentor high-performing teams will be a key asset to Ascent’s continued success.

“I’m honored to join Ascent Dealer Services at such an exciting time,” said James Mercer. “The company’s innovative culture and dealer-first mindset are unmatched. I’m excited to collaborate with the team to drive performance, grow partnerships, and deliver real value to clients.”

For more information about Ascent Dealer Services, visit www.ascentdealerservices.com.

About Ascent Dealer Services

Ascent Dealer Services provides comprehensive finance and insurance (F&I) solutions to automotive dealerships across the U.S. With a focus on profitability, compliance, and customer experience, Ascent delivers customized products, training, and support to help dealerships thrive in a competitive market.

]]> https://authoritypresswire.com/craig-brigmans-latest-book-titled-dont-get-financially-destroyed-in-divorce-on-amazon-flash-sale/ https://authoritypresswire.com/?p=48911 Media Manager (630) 923-5425 United States media@imperialaction.com http://imperialaction.com Thu, 05 Jun 2025 15:11:21 +0000

Blending expert financial advice with real-world case studies, Brigman, a Certified Divorce Financial Analyst®, reveals the pitfalls that destroy wealth during divorce proceedings. Men often get caught up in the emotional aspects, overlooking that divorce is also transactional. Without a plan, it’s easy to lose your home, your retirement, and your financial future.

“This book is the financial defense strategy men need but rarely get,“ said Brigman. “I wrote it to help guys take back control, make informed decisions, and avoid being blindsided by the legal and financial system during divorce.”

Inside Don’t Get Financially Destroyed in Divorce, readers will learn:

• How to prepare financially before, during, and after filing for divorce
• The real tax consequences of alimony, child support, and asset division
• Why emotions are the biggest liability in divorce and how to stay strategic
• How to protect businesses, retirement savings, and real estate assets
• Critical steps to avoid financial devastation and rebuild post-divorce

Backed by decades of experience helping men survive and thrive after divorce, Brigman breaks the silence on what really happens in courtrooms and behind closed doors. From dividing pensions to safeguarding credit, this is a masterclass in financial survival.

Whether considering divorce, already in the process, or recovering from it, Don’t Get Financially Destroyed in Divorce is the guide every man needs by his side.

Don’t miss out on this special flash sale! Craig Brigman’s book, Don’t Get Financially Destroyed in Divorce, will be available at a discounted price on June 10, 2025.

To purchase the book during the flash sale, visit: 

https://www.amazon.com/dp/B0DTFXF2CP

About Craig Brigman

Craig Brigman is a former IRS Agent, college professor, and currently a financial advisor helping business owners, entrepreneurs, and individuals with complex financial issues. With over 20 years of experience in tax, finance, and business, Craig strives to simplify the complexities of money and help others achieve their goals. After his own divorce, Craig wanted to share some of the lessons he had learned and ensure that others had help when they needed it most.

After years of private ownership, this ultra-rare, off-market estate along a pristine four-mile stretch of the Missouri River is being offered quietly and selectively to qualified buyers. Never listed on the MLS, never marketed to the masses, this is not just a real estate opportunity—it’s an inheritance of something sacred.

“This isn’t just a home,” said the owner. “I built this for my soul, not for resale. Now, I’m looking for someone who gets what this land truly means—someone who’s not just buying a home, but inheriting a piece of heaven.

With more than 8,000 square feet of luxury-style living space on a one-acre lot perched directly on the river, The Mansion on the River is an architectural retreat crafted from top-tier building materials. It includes backup energy sources and panoramic glass that frames the landscape like fine art. Located minutes from Fort Peck, Montana, and twenty minutes from the airport, the estate offers full water and mineral rights—an exceedingly rare advantage in Montana real estate.

Beyond its physical grandeur, the property’s true allure lies in its location — a secluded, four-mile stretch of the Missouri River quietly revered by elite anglers and conservationists. Locals call it the “Forgotten Miracle,” a place where trout of mythical proportions still rise, and the fishing feels like stepping into a living legend.

“It’s where Hemingway would’ve retired,” said one longtime Fort Peck resident. “You don’t buy this. It chooses you.”

Property Highlights:

– Four private miles of Missouri River frontage

– Full water and mineral rights

– Over 8,000 square feet of handcrafted living space

– Dramatic great rooms, cathedral ceilings, and custom finishes

– Private community with affluent families

– Unmatched access to trophy fishing, hunting, and wildlife

-18-hole prestigious members-only golf course currently being developed next to the property

The property is entirely rights-rich, protecting its natural value and securing its future scarcity. “There are mansions, and then there are miracles,” the owner added. “This is both.”

Who This Is For:

– Legacy families seeking an heirloom estate

– Trophy property collectors and off-market real estate investors

– High-net-worth individuals craving nature, privacy, and purpose

– Passionate anglers and outdoor enthusiasts

– Spiritual seekers and sovereignty-minded buyers

Showings are limited and will be conducted privately by appointment only. Prospective buyers must provide proof of funds and will be vetted prior to access. No public tours or mass listings will be conducted.

“This property is more than land and timber,” the owner said. “It’s a fortress of freedom. It’s a cathedral for the serious angler. It’s a once-in-a-lifetime transfer of something Montana may never offer again.”

Montana is becoming increasingly popular as a primary or secondary home location for celebrities and investors due to the popularity of the TV show “Yellowstone”

How to Inquire:

Interested parties should visit MansionOnRiver to request a secured buyer dossier and schedule a private, confidential showing.

Additional Materials:

Watch more videos here.

– A cinematic short film and drone tour (available on demand)

– Downloadable PDF with the Top 100 awe-inspiring features

– Audio recording with the owners’ story behind this creation

For press inquiries, please contact:

Sanjeev Virk

Marketing Agent

604-401-4907

mansiononriver@gmail.com

In “Bankruptcy Magic,” Adrienne shares how she has spent nearly three decades guiding individuals and families through the emotional and practical steps to reclaim control of their finances. 

When asked about his inspiration to write the book, Adrienne stated, “I’ve seen the transformation that happens when someone steps through that door, and I’ve been privileged to guide thousands of people through it, both in my legal practice and online. The messages I receive from people who say I’ve changed their lives because they didn’t know they had options—that’s what drives me.” 

She added, “I wrote this book to reach even more people, to show you that you’re not alone and that there is a way out. You’re not a victim of your debt. You’re not just passively allowing it to consume you. You have the power to take control of your financial future, to step forward, and to handle your debt in a way that leads to a successful, fulfilling life.”

Adrienne’s expertise stems from nearly 30 years of practice as a bankruptcy attorney in Northwest Ohio. She also creates popular social media content to show people they have more options than they ever imagined and that everything they envision is well within their reach. She offers the constant reminder, “Your debt doesn’t define you—what you do next does.” 

Don’t miss out on this special flash sale! Adrienne Hines’ new book, “Bankruptcy Magic: The Life-Changing Power of Debt Relief with Dignity,” will be available at a discounted price on May 20, 2025

To purchase the book during the flash sale, visit: 

https://www.amazon.com/Bankruptcy-Magic-Life-Changing-Relief-Dignity-ebook/dp/B0F6M4NTYJ/

About Adrienne Hines: 

Adrienne Hines is a seasoned bankruptcy attorney with nearly 30 years of experience helping individuals and families achieve debt relief with dignity. Based in Northwest Ohio, Adrienne is passionate about dispelling bankruptcy myths through her educational content, including her popular social media videos, where she breaks down complex financial concepts into relatable, easy-to-understand advice. Her compassionate and informative approach ensures clients explore all their options to regain financial stability. Adrienne’s mission is to empower people to navigate debt challenges with confidence and clarity, restoring hope and providing a path to a brighter financial future through debt relief with dignity.

In “American-Made Millions,” Nick shares insider information about what buyers want and how to prepare your business so that you don’t make the common mistake of leaving money on the table.  

When asked about his inspiration to write the book, Nick stated, “I was inspired to write this book because I’ve seen too many business owners who weren’t adequately prepared for the sale of their business. They often lacked access to the right resources or didn’t know what resources and advisors were available to help them sell their business. I hope to empower you to take control and be better prepared for what is likely the most significant transaction of your life.” 

He added, “Success is measured not only by the final sale price but by how confidently and competently you navigated the path to get there. This is what transforms you from a business owner into a satisfied seller, manufacturing the value you deserve to support your next chapter.” 

Nick’s expertise stems from owning, scaling, and selling several manufacturing businesses. He is a certified M&A professional and recognized leader in the business brokerage field who has built a reputation as a trusted expert in helping business owners maximize value and successfully transition their companies.

Don’t miss out on this special flash sale! Nick Fares’ new book, “American-Made Millions: How to Unlock the True Value of Your Manufacturing Business Before Selling,” will be available at a discounted price on Wednesday May 14, 2025.

To purchase the book during the flash sale, visit: 

https://www.amazon.com/American-Made-Millions-Manufacturing-Business-Selling-ebook/dp/B0F6NT7LHX/

About Nick Fares: 

Nick Fares is a seasoned business broker, M&A advisor, and entrepreneur specializing in manufacturing business sales. As the Founder of NEO Business Advisors and Summit Capital Advisors, he has helped business owners maximize value and exit their companies with confidence. Nick has owned, scaled, and sold several manufacturing businesses, and his deep industry expertise is evident in every transaction. A certified M&A professional and recognized leader in the business brokerage field, he has brokered over 30 deals totaling more than $60 million. Nick enjoys trail running, mountain biking, and time with his wife and son when he’s not advising business owners.

From assessing your personal definition of success to understanding the legalities of business ownership while in service, this book is a resource for anyone in the military considering the entrepreneurial path. It not only explores viable business options but also emphasizes the ongoing contributions these ventures can provide to the military community.

In “Boots, Suits, and Startups,” Thomas shares how he has helped numerous servicemembers start, grow, and exit their businesses to supplement their income, build a legacy, or apply their military skills in new ways.  

When asked about his inspiration to write the book, Thomas stated, “As business brokers, my wife and I have firsthand experience managing businesses while on active duty. We have grown our net worth through multiple ventures while serving our country. Our experiences, challenges, and successes have inspired us to share our knowledge and help others in the military community explore the vast potential of business ownership.” 

He added, “Your definition of success is unique to you and could be long-term business growth, the need to replace an income, or even helping your spouse take control of a portion of their ordinarily hectic life. However, the path to success may not be straightforward. Many fear that the military structure may not support business ownership due to potential conflicts of interest and time commitments. This book will dispel your fears and misconceptions about entrepreneurship while on active duty.”

Thomas’s expertise stems from over 16 years of active United States Air Force duty. He is also a business broker and entrepreneur, giving him a unique, valuable perspective on business ownership and sales. Thomas is an advocate and mentor for entrepreneurial-minded servicemembers. 

Don’t miss out on this special flash sale! Thomas Kelsey’s new book, “Boots, Suits, and Startups: Building a Business While in Uniform,” will be available at a discounted price on Wednesday April 30, 2025.

To purchase the book during the flash sale, visit: 

https://www.amazon.com/Boots-Suits-Startups-Building-Business-ebook/dp/B0F512PZHL/

About Thomas Kelsey: 

Thomas Kelsey is an entrepreneur and active-duty United States Air Force member with over 16 years of service. His journey in entrepreneurship began with a challenging start-up experience, which led to valuable insights into balancing military life with business leadership. As a business broker with Transworld Business Advisors, Thomas excels in high-pressure environments, applying his military discipline to his business ventures. He is dedicated to supporting fellow servicemembers in their entrepreneurial goals through his role as a Certified Mentor with SCORE. He holds a bachelor’s degree from American Military University and is pursuing an MBA at Florida Gulf Coast University. Thomas lives in Florida with his family, where he continues to serve his country and explore new business opportunities.

A leading peace activist is calling on UK taxpayers to stop paying monies to HMRC until the government commits to allocating some of its defence budget to peace.

David Allan, founder of Humanity’s Mutual Reconciliation Coalition, a group dedicated to prioritising peace over profit has issued a call to action to help bring about peace across the world by 2030.

The lifetime peace campaigner says drastic action is now needed and is calling on people to halt paying money to the government; instead, letting HMRC know the money will be released when demands for funding peace are met.

David explains: “To put it simply we are calling for a ‘no peace, no tax’ situation.  We urge those who value peace to withhold taxes until the government invests in peace as much as it does in war. Peace isn’t free, it’s time our taxes bought it.”

The call to action comes at a time when the defence spending is surging. The UK plans to spend an additional £70 billion on defence over five years, reaching £87 billion annually by 2030, yet, David says, neglects peace initiatives. 

He adds: “We want an office in parliament dedicated to peace initiatives before we release our tax.  There is currently no dedicated office or budget for peace, despite public support for diplomacy and the UK’s history with UN peace building.”

The Peace by 2030 movement is asking the government, via a call for tax resistance, to commit at least £1.25 billion annually, which is 10% of the defence budget increase, to a peace initiatives office.

“We need public pressure,” says David. “Organise rallies, petitions and social media campaigns. Our taxes should build peace, not just bombs. Tax payers fund the state and deserve a say.”

David adds: “The legal framing for this is simple – it is civil disobedience. We ask that tax payers notify HMRC via letter, available from us, that they will be redirecting funds to a holding account as a good faith gesture until the demands are met.”

While David does acknowledge that the withholding of tax comes with the risk of fines and potential jail time, he adds that: “mass defiance, e.g. tax rebellion, can overwhelm enforcement.” 

“This is about mass mobilisation. We have to take the military approach, the way it is taken to wars. If one million taxpayers withhold £500 each, that’s £500 million to pressure Westminster – paired with marches and other campaigns.”

“This isn’t just a protest, it’s a reckoning: We fund the government – let’s stop paying until they listen: Peace isn’t free, its time our taxes bought it.”

In an era where trust is the ultimate differentiator, a new game-changing strategy is reshaping how attorneys establish and maintain credibility—without relying on traditional marketing, PR, high SEO costs or advertising. Introducing the Distinguished Attorney Positioning Blueprint (DAPB), an elite framework designed to provide attorneys and law firms with evergreen credibility and recognition that works for them 24/7, 365 days a year.

“Marketing stops when the budget runs out, if it is even finally producing desired results. Advertising is just plugging a message about ourselves and hoping it gives the results we aim for. But ‘evergreen credibility’ is an asset that never expires,” says Carol A. Santella, the visionary behind DAPB. “In the legal profession, reputation isn’t just an advantage—it’s a necessity. Credibility has always been important, but ‘evergreen credibility’ is the new currency, and those who invest in the positioning assets offered via the DAPB are the trusted firms and attorneys of choice.”

Unlike conventional marketing efforts, the Distinguished Attorney Positioning Blueprint (DAPB) is designed to elevate attorneys through strategic visibility, trust-building, and high-level recognition. This proprietary system ensures attorneys:

Stand out as distinguished attorneys and firms with exclusive, high-profile positioning.
Receive recognition that transcends marketing hype, creating an unparalleled ‘mark of distinction’.
Leverage an evergreen credibility strategy that continues working long after traditional campaigns fade.

Santella has an inbred desire for recognizing and acknowledging others. Adding another layer to the credibility equation, Santella introduces the “Gifts of Recognition,” a premium accolade service that allows law firms to honor outstanding attorneys, staff, and even valued clients. “Recognition breeds loyalty—whether within the firm or from those you serve. It’s a powerful, underutilized tool in the any industry, especially in law” Santella explains.

With increasing competition and skepticism in the legal field, attorneys can no longer rely solely on word-of-mouth, directories, or reviews. A proactive credibility strategy is essential to remaining top-of-mind, securing high-value clients, and ensuring long-term success.

The next step for attorneys and law firms looking to secure their position as trusted leaders is to explore how DAPB and strategic recognition can work for them. To learn more, visit https://www.smallbusinessacceleration.com/DAPB or contact Carol A. Santella directly at 412-681-1105.
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In “Ten Years from Today,” Mitch shares how he has helped numerous retirees build lives with intention, secure peace of mind for themselves and their loved ones, and given them the freedom to make financial decisions based on what matters most.

When asked about his inspiration to write the book, Mitch stated, “When it comes to financial planning, I want people to understand that the future begins now. Ten years may feel like a distant horizon, but it is, in fact, the most pivotal point in your financial journey. Every choice you make today—no matter how small—will shape the life you lead a decade from now.” 

He added, “Whether your goals are centered on financial independence, a secure retirement, or the ability to pursue passions without financial worries, the work you put in today will pay off in ways that go beyond numbers on a page. Ten years from today, you’ll be able to look back and see the progress you’ve made, the decisions that shaped your success, and the financial security that now supports your goals. And as you review where you are at that time, you may realize something even more profound—that the journey was just as important as the destination.”

Mitch’s expertise stems from his long career building a strong financial planning foundation, becoming a respected public speaker, and educating individuals and organizations about financial preparedness and planning for the future. Whether you’re retiring soon or are already in retirement, this book offers actionable advice to give you peace of mind and financial freedom for the years ahead.

Don’t miss out on this special flash sale! Mitch McCann’s new book,“Ten Years from Today: Your Path to a Secure and Fulfilling Retirement” will be available at a discounted price on Tuesday, February 18, 2025. 

To purchase the book during the flash sale, visit: 

https://www.amazon.com/dp/B0DVMNPVGS

About Mitch McCann:

Mitch McCann is a seasoned financial advisor with over 36 years of experience. He holds esteemed designations such as Chartered Retirement Planning Counselor (CRPC) and Certified Exit Planning Advisor (CEPA). Renowned for his ability to simplify complex financial strategies, Mitch has helped countless people achieve confident retirements and secure futures. His passion lies in assisting clients in transforming their life’s work into reliable retirement plans, offering peace of mind and long-term success.

According to a recent study by Experian, U.S. consumer debt reached a record $17.05 trillion in 2023. Credit card balances rose by over 16% in one year, and nearly half of Americans now carry revolving debt. These financial strains are contributing to heightened employee stress, absenteeism, and decreased productivity across various industries.

Recognizing this challenge, Baer, who experienced the hardships of debt after a business venture failed, spearheaded this program to offer practical relief to employees. “I know firsthand the emotional toll that debt can take on a person,” Baer said. “Our mission is to give employees the tools to resolve their debt so they can focus on their personal and professional goals.”

The program is designed to be accessible and flexible. Employers can implement it seamlessly at no cost, giving their workforce access to personalized debt resolution services. Additionally, individuals can enroll in the program independently through Debt Resolution Services.

Baer emphasized that this initiative is not only a win for employees but also for employers seeking to reduce turnover and absenteeism. “Financial stress doesn’t just stay at home; it walks into the office every day,” Baer explained. “By supporting employees in overcoming their financial burdens, companies can foster a more engaged, loyal, and productive workforce.”

Key features of the debt resolution program include:

• Personalized Debt Reduction Plans: Employees work with professionals to create customized strategies based on their unique financial situations.
• Legal Guidance: Partnered with a debt resolution law firm, the initiative ensures participants receive expert advice to navigate complex debt issues.
• Financial Wellness Resources: Participants gain access to educational materials that promote long-term financial health and literacy.

The initiative aligns with research demonstrating that workplace wellness programs addressing financial well-being lead to higher employee satisfaction and retention rates. In fact, companies that invest in such programs report a 31% reduction in stress-related absenteeism and an average productivity increase of 25%.

“Financial stress doesn’t stay at home—it comes to work with you,” Baer emphasized. “Our initiative offers companies a way to proactively address this issue. When employees feel empowered to take control of their finances, they become more focused, motivated, and loyal to their employers.”

Why Addressing Financial Wellness Is Key to Workforce Stability

The American Psychological Association (APA) has consistently reported that financial issues are one of the top sources of stress for adults in the U.S. Over 70% of respondents in a recent APA survey stated that money concerns are a significant stressor in their lives. This stress has direct implications for workplace performance: employees distracted by personal financial concerns are more likely to experience burnout, miss deadlines, and seek out new job opportunities with higher salaries to cover their debts.

Financially stressed employees are also more prone to health issues, such as anxiety, depression, and hypertension, which contribute to increased healthcare costs for employers. Addressing this problem early, through comprehensive debt resolution services, can mitigate these risks and foster a healthier, more stable workforce.

Baer’s vision for the program extends beyond immediate intervention. He hopes it will catalyze a broader cultural shift in how businesses view employee wellness. “Companies have made great strides in recognizing the importance of mental health and work-life balance. Financial wellness should be seen as equally vital,” Baer said. “Our goal is to make debt support programs a standard benefit in workplaces across the country.”

Program Accessibility and Next Steps

Employers and HR professionals interested in offering the debt resolution program can visit DebtResolutionServices.org for more information on implementation. The site provides an overview of services, FAQs, and access to program specialists who can help tailor the initiative to meet the specific needs of a company’s workforce.

The program is equally accessible to individuals outside of a formal employer offering. Employees who do not have access through their workplace can sign up directly on the same website to begin receiving support for their debt challenges.

Baer concluded, “This program is about more than just numbers. It’s about restoring peace of mind to millions of Americans and giving them a pathway to financial freedom. When employees thrive financially, the entire organization benefits.”

“At the beginning of a new year it is natural to take time to reflect on where you are and where you want to go,” says bestselling author, speaker, and financial literacy coach Michael D. Wynn. “But one-time resolutions aren’t enough. Success isn’t accidental—it’s built on consistent, intentional habits.”

“Coach Win” offers the following blueprint for those who want to go beyond traditional goal setting and design the habits that make goal achievement inevitable.

• Start with Key Habits: Wynn advises focusing on small, meaningful actions like journaling, budgeting, meditating, or exercising. “Align your habits with your dreams for maximum impact.”
• Track Progress: “Habits don’t lie!” Wynn says. “Write down your actions, review your progress, and adjust as needed.” Accountability builds momentum, and according to Wynn, each step forward takes you closer to success.
• Visualize Success: “Picture yourself thriving in health, relationships, career, and finances,” Wynn teaches. “The clearer your vision, the stronger your motivation will be to make it real.”
• Celebrate Wins: Stay committed, even on challenging days. “Every habit mastered is a milestone toward the life you deserve,” Wynn says. Consistency transforms effort into enduring success.

With more than 35 years as a financial audit specialist, fiscal monitor and business compliance specialist, Wynn teaches, consults, and trains both individuals and business teams to pursue development, growth, substantial profits, and stability through his unique “Habit Matrix.”

Michael D. Wynn is a Detroit-based Habit Success Strategist, international speaker, and best-selling author. As the CEO of Coach “Win,” LLC, he leverages over 30 years of experience in financial compliance, business management, and personal development to assist individuals, entrepreneurs, organizations, and corporations in optimizing their effectiveness through habit formation and financial literacy. He is the author of two bestselling books: Habits Don’t Lie: 7 Habits to Overcome Obstacles To Win and The Habit Effect: Your Life, Your Money and is a recipient of the President’s Lifetime Achievement Award.

To learn more about coaching, programs, and speaking opportunities featuring Michael Wynn, including the Leaders Live Generously Summit, visit MichaelWynn.com.

Ron Roberts, Founder & CEO of Roberts Retirement Group, recently appeared on Fox 47’s The Morning Blend to discuss his innovative approach to retirement planning. Since 1990, Roberts has dedicated his career to helping clients achieve a stress-free retirement by prioritizing strategies tailored to each individual’s financial goals.

The process of retirement planning requires careful navigation to ensure long-term financial security. Roberts Retirement Group focuses on eliminating complexities and providing clients with clear, actionable plans. Ron Roberts explains, “Our goal is to simplify retirement planning by focusing on strategies that bring peace of mind. Financial confidence is essential, and we are committed to helping our clients achieve just that.”

Recognizing the hesitations and uncertainties many face when preparing for retirement, Roberts emphasizes creating personalized solutions. His approach addresses securing a lifetime income and ensures clients can enjoy their retirement years without the anxiety of financial mismanagement or unexpected risks.

One essential component of Roberts’ method is fostering trust and a client-first mindset. “What makes Roberts Retirement Group unique is our commitment to truly understanding our clients’ needs. For over three decades, we’ve taken pride in our focus on relationship building, transparency, and protecting our clients’ financial futures,” said Roberts.

Longevity planning has emerged as a crucial aspect of retirement strategy, particularly in response to two significant trends: the decline of traditional pensions and the increasing life expectancy of individuals. As people live longer, the need for guaranteed lifetime income strategies has never been more essential.

Financial advisors like Ron Roberts emphasize the importance of guaranteed lifetime income strategies to address the challenges posed by the decline of pensions and increased longevity. These strategies often involve utilizing products from legal reserve companies, primarily insurance companies specializing in protecting pensions. By transferring funds from traditional investment accounts into legal reserve accounts, retirees can secure their principal and ensure that their growth is protected

Given the volatility of the stock market, having a guaranteed source of income in retirement is essential. Ron emphasizes that retirees need income they can count on—similar to the security once provided by pensions. Guaranteed income allows retirees to cover their expenses and enjoy their retirement years without worrying about market fluctuations affecting their financial stability.

Roberts’ expertise, honed over 30 years in the industry, has enabled countless retirees to successfully transition from their working years to retirement—without the stress. Through personalized strategies and a deep understanding of financial landscapes, he continually proves his dedication to enriching the lives of his clients.

About Ron Roberts

Ron was born in Burbank California and grew up in the Mojave Desert. Being the first of six children born to deaf parents, he learned responsibility at an early age. His commitment to family and faith is unwavering. It’s the essence of who he is and the foundation of his business success. Living for a higher purpose and caring for others has always been Ron’s focus.

After high school, he joined the United States Coast Guard where he learned about hard work, discipline, and duty. He enjoyed serving his country and helping to keep people safe. He grew in experience through training, education, and travel. He developed a love for the sea and enjoys boating and sailing with friends and family.

After completing his time with the Coast Guard, Ron served on a mission for the deaf in Chicago for his church. While there, he formed the first deaf scout troop in Chicago for the Boy Scouts of America. Returning from Chicago, Ron attended college in Stockton, California where he met his wife, Julie. They were married in the spring of 1984. In 1991, Ron and Julie moved to Amador County where they enjoyed raising their four daughters in a close knit community. Ron’s hobbies include reading, boating, sports, and traveling with his family. Ron also volunteered at a private school where he taught history and American Sign Language. Family, faith, and community are the most important things that define Ron.

Ron’s chosen vocation as a Retirement Planning Professional allows him to use his experience, his gifts, and his love for family to help people in a very special way. Ron has been in the retirement planning industry since 1990. Founded in 2002, Roberts Retirement has grown over the years to serve families in northern California and around the country.

Ron has served as President of the California Estate Planning Counsel and continues to mentor other retirement planning professionals all across the United States. He is constantly educating himself on the most up-to-date investment strategies and changes in the financial industry. Ron is recognized as a leader in the industry, is a sought-after speaker, and has been featured in Senior Market Advisor Magazine

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

Henderson, NV — Richard Hanson and his son Andrew Hanson represent a father-and-son financial advisory team at Generations Wealth Management Group. Together, they specialize in personalized family and generational financial planning, offering a comprehensive, collaborative approach to help families secure their financial futures.

The Hansons were recently featured in an interview on Fox’s “The Morning Blend,” where they emphasized their dedication to treating clients like family. During the interview, Richard Hanson shared, “Our mission is simple—to treat each client as one of our own. Financial planning is more than numbers; it’s about understanding a family’s unique needs and helping them create a legacy that stands the test of time.”

Living retirement to the fullest is not merely about reaching retirement age; it requires a comprehensive approach that begins long before the actual retirement date. Proactive planning is essential, focusing on key areas such as income, expenses, and preparing for potential market volatility. Here’s how these elements come together to create a fulfilling retirement experience.

The journey to a fulfilling retirement starts well before the retirement date. Engaging in planning and discussions about what retirement will look like is crucial. This includes understanding personal goals, aspirations, and the lifestyle one wishes to maintain. Individuals can establish a solid foundation for their retirement years by starting early.

A significant aspect of proactive planning is managing income and expenses. Hanson points out that controlling these financial elements is vital for a healthy retirement. This means ensuring enough income to cover living expenses while planning sustainable withdrawals from investment accounts. By keeping withdrawals manageable, retirees can mitigate the impact of market fluctuations on their financial health. Ultimately, proactive planning leads to peace of mind. When retirees know they have prepared for various scenarios—such as unexpected expenses, health issues, or market downturns—they can focus on enjoying their retirement. Hanson highlights that doing the “dirty work” ahead of time allows individuals to live confidently, knowing they have a solid plan.

Generations Wealth Management Group tailors strategies to individual families, ensuring a customized experience aimed at achieving long-term financial goals. By fostering a collaborative process, Richard and Andrew guide their clients through crucial decisions that impact future generations, making financial planning a truly family-first experience.

About:

Two generations of trusted Hanson financial professionals serve multiple generations of clients concerned with financial goals, wealth management, safety, security, and estate planning. Richard Hanson, President of Generations Financial & Insurance Services, began his career in 1983. He is currently an educational speaker on retirement and money management. Mr. Hanson is Designated as a Certified Senior Advisor (CSA). He Currently Holds a membership with the National Association of Life Underwriters. 2011 Insurmark Hall of Fame Inductee. Andrew Hanson, Vice President of Generations Financial began his career in January 2016. He is the Head of Case Design Team & Digital Outreach. He hosts numerous Seminars educating our community on such subjects as; Social Security, RMD’s, Asset Protection, Legacy Protection, College Funding and IRA / 401(k) Analysis.

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

Registered Representative & Securities Offered Through Capital Synergy Partners, Member FINRA/SIPC , 2860 Michelle Dr. Suite 150 Irvine, CA 92606, Phone: 888-277-1974
Generations Wealth Management Group and Capital Synergy Partners are Unaffiliated Entities.

Rebecca Sposita, President of  Sam Bernstein Law and esteemed attorney, is set to release her debut book, Win Win: Helping Organizations Mitigate Legal Risk for the Common Good, on January 5, 2025.

This transformative guide delves into the complexities of legal risk management, offering organizations practical insights to turn potential conflicts into opportunities for growth while championing ethical, community-centered practices.

Rebecca Sposita, a distinguished alumna of Harvard Business School’s Advanced Management Program, has dedicated her career to advocating for justice and driving impactful change. Since joining The Sam Bernstein Law Firm in 2009, she has built a reputation as a powerhouse in legal practice, championing high-profile cases, including several survivors of Larry Nassar’s assaults, victims of medical malpractice, and individuals with disabilities

“As an attorney, I am privileged to serve individuals facing some of life’s most challenging moments,” Sposita shared. “With Win Win, I hope to inspire organizations to embrace legal practices that not only protect their interests but also uplift communities and support ethical values.”

In addition to her legal achievements, Sposita was recently named an honoree of Women Who Lead, a recognition of female leaders across the Great Lakes region who are making positive impacts in their communities.

“I am proud to be an honoree of Women Who Lead,” Sposita remarked. “This recognition celebrates female leaders who are leaning in and pushing the world to new heights, and I am honored to be among these inspiring women.”

Each year, Women Who Lead honors 12 outstanding women who influence their communities through leadership and service. Read more about Women Who Lead honorees.

In Win Win, Sposita explores how organizations can shift from conventional, reactive approaches to conflicts toward compassionate, trauma-informed responses. This approach not only reduces litigation costs but also fosters an inclusive, supportive environment, so people feel valued and empowered. Sposita’s guidance, grounded in years of experience with complex legal cases, offers a roadmap for leaders aiming to protect their organization’s interests while creating a healthier culture.

Beyond her work in the law firm, Sposita serves on the executive boards of the Michigan Association for Justice and Divine Mercy Academy, a school dedicated to children with special needs. Her commitment to community service and advocacy for vulnerable populations underscores her belief that the legal profession can be a force for good.

Rebecca resides with her husband, Mike, and their two sons, Jake and Justin, in Michigan.

When not advancing her work in the legal field, she enjoys cooking, traveling, and boating with family and friends.

Win Win: Helping Organizations Mitigate Legal Risk for the Common Good will be available in bookstores and online retailers starting January 5, 2025. For more information or to arrange an interview with Rebecca Sposita, call 248-538-5922.

A 2024 poll conducted by the American Psychiatric Association (APA) found that US adults are feeling as anxious as ever. In 2024, 43% of adults said they feel more anxious this year than last year. That’s up from 37% in 2023, and 32% in 2022.

And, for high-achieving professionals, the lack of a process or system for working through and overcoming their personal and professional challenges only adds to a general sense of stress and overwhelm.

“The past few years, marked by the pandemic, conflicts, and significant social and political upheavals, have presented unprecedented challenges,” says Jerry Mark Fish, a Chartered Leadership Fellow at The American College and a former Managing Partner and Vice President for a Fortune 100 Financial Services Company. He is the bestselling author of The Black Dot Philosophy: A Strategic Roadmap for Conquering Life’s Toughest Challenges! “There’s a growing need for ways to cope with the emotional toll these challenges take.”

Fish understands firsthand what it takes to turn obstacles into opportunities. He experienced his personal and professional rock bottom after a series of personal and professional tsunamis: bankruptcy, a painful divorce, losing custody of his child, deep depression, and the untimely loss of close family members.

“The Black Dot Philosophy became my lifeline,” Fish says. “It helped me not only to survive, but to thrive, during the worst moments of my life.” Fish went on to create a fulfilling personal life and seven-figure income just a few short years later.

Today, a man on a mission, Fish works with other professionals and business owners as an elite coach and keynote speaker to bring his proven process of The Black Dot Philosophy to the world. In his book, Fish reveals a framework for addressing external challenges, as well as the internal, emotional struggles that come with them. “I want to inspire professional and business owners to challenge themselves to believe and embrace the idea that anything is possible,” Fish says. “My passion is to share this strategic roadmap to conquer life’s toughest challenges.”

“Jerry Fish is one of the best inspirational leaders I’ve ever had the pleasure to work with during my 25-year career in the investments industry,” says Todd Harris, Director, Asset Transfer Team, The Vanguard Group. “Jerry can deliver results in any environment, for any stated purpose or mission, because his values for personal and professional development are transferable across any enterprise.”

Readers of The Black Dot Philosophy also give the book positive reviews. One reader writes, “An exceptional book with easy-to-implement advice on how to handle life’s daily personal and professional challenges. No one said life would be easy, but having this lifeline as a guide has helped me change my mindset towards positivity and joy.”

Fish writes: “My hope is that this book serves as a resource for you to find strength within yourself, to transform your challenges into stepping stones for a more fulfilled and purposeful life.”

Jerry Mark Fish is a bestselling author, coach, keynote speaker, and founder of The Black Dot Philosophy, Inc. Fish is a Chartered Leadership Fellow at The American College and a former Managing Partner and Vice President for a Fortune 100 Financial Services Company. With nearly four decades of experience in the financial services industry, Fish inspires professionals and business owners to challenge themselves to believe that anything is possible.

To learn more about The Black Dot Philosophy, visit https://a.co/d/gQgnuEL .

Founded by Adam Marburger, President and CEO, Ascent Dealer Services has grown into one of the most relevant and respected agencies in the industry. Adam, a serial entrepreneur and seasoned professional with expertise spanning automotive, real estate, insurance, dental, and martial arts, brings his extensive knowledge and dynamic approach to the F&I. Adam’s impressive track record in retail automotive earned him the title of “Automotive News 40 under 40” in 2018, solidifying his reputation as one of the most sought-after coaches in the industry.

Marburger has recently started hosting Training Camp with Adam Marburger, exclusively on  CBT News. In an industry where margin compression is a constant challenge, consistent training and mentorship are vital to enhancing the customer buying experience and boosting dealership profitability. Join Marburger, a seasoned F&I professional and martial arts expert, as he shares strategies and insights to transform your F&I operations.

Watch Training Camp on CBT News

Adam Marburger’s diverse portfolio includes Marburger Investment Group and A2 Investments, focusing on residential and commercial real estate, as well as Marburger Coaching & Developing, which offers professional coaching and mentoring services. As co-founder of The Dental Protection Group, Adam has also made significant contributions to the dental industry by providing dental warranties that help practices acquire more patients and increase revenue. His passion for martial arts is evident in his ownership of Alton Family Martial Arts & Fitness, where he shares his expertise as a Black Belt in Brazilian Jiu-Jitsu and National Champion.

In addition to his business ventures, Adam is a best-selling author and keynote speaker, with features in major publications such as Forbes, Entrepreneur, and CEO Weekly. His dedication to personal and professional growth extends to his three daughters, Ahnalee, Arabelle, and Astyn, whom he coaches daily to become the best versions of themselves.

As Ascent Dealer Services celebrates this milestone anniversary, Adam Marburger and his team remain committed to helping dealers maximize customer experience and achieve greater success. 

About Ascent Dealer Services:

Ascent Dealer Services is an insurance agency specializing in building wealth for automotive, RV, marine, and power-sports dealers across the country. Founded by Adam Marburger, the company has quickly become a leader in the industry, known for its innovative solutions and exceptional service. Ascent Dealer Services is dedicated to helping dealers enhance their customer experience and achieve long-term success.

About Adam Marburger

Adam P Marburger is a highly accomplished individual with a diverse range of expertise and achievements. As a father of three daughters, he values family and understands the importance of balancing personal and professional life. With nearly two decades of experience in the automotive retail industry, Adam is a respected veteran who has made significant contributions to the field.

Currently, Adam holds the position of President/CEO at Ascent Dealer Services, an insurance brokerage firm that specializes in serving the automotive, RV, power-sports, and marine industries. In addition to this role, he is also the President of Alton Family Martial Arts & Fitness, where he shares his knowledge and passion as a martial arts instructor. Adam has achieved the rank of Black Belt in Brazilian Jiu Jitsu, showcasing his dedication and expertise in this discipline.

As the President of Marburger Investment Group and A2 Investment Group, Adam is actively involved in real estate investment, demonstrating his entrepreneurial spirit and financial acumen. Furthermore, he is the President and CEO of Marburger Coaching & Development, a company that is dedicated to personal growth and development.

In addition to his impressive business ventures, Adam is a co-founder of The Dental Protection Group, an insurance brokerage firm that is dedicated to serving the dental industry. His commitment to excellence has been recognized through various awards, including being named in the Automotive News 40 under 40 list. Furthermore, Adam is a best-selling author and an international keynote speaker, sharing his knowledge and insights with audiences worldwide. His exceptional leadership skills have also earned him a place among the Top 100 Executives in the US.

Adam P Marburger’s biography is a testament to his multifaceted talents and his passion for making a positive impact in various industries.

Growth Zone is a unique platform that brings together like-minded individuals from diverse backgrounds to enhance their mental, physical, and financial well-being.

Watch this video on Linkedin to get more details about Growth Zone with Adam Marburger.

Registration is now open at Growth Zone.

Growth Zone: The Concept

In December 2023, Adam Marburger set out to create a space where individuals could come together to grow holistically.

“The best room to be in is the room for self-improvement,” says Marburger, who has a background in martial arts and a passion for personal development. Recognizing the high costs associated with hiring top-tier executive coaches, Marburger wanted to provide an affordable solution without compromising the quality of mentorship and support.

What Growth Zone Offers

Growth Zone meets bi-weekly via Zoom, featuring high-level guest speakers, book discussions, and interactive sessions focused on various aspects of personal growth. The program has already made a significant impact in its first six months, with participants reporting transformative changes in their lives.

“Success is defined differently for everyone, but we all have the same buckets that need watering—faith, family, finances, social circles, health, and mental well-being,” explains Marburger. “Our goal is to help individuals maintain balance across these areas to achieve a fulfilled life.”

Transformative Experiences

One of the standout features of Growth Zone is its inclusive approach. Participants from all walks of life, professions, and age groups come together to share their journeys and support one another. Despite their varied backgrounds and goals, members find common ground in their pursuit of self-improvement.

“The Growth Zone has provided me with incredible joy and fulfillment,” Marburger shares. “Seeing lives change and knowing that I played a part in that transformation is priceless.”

A Personal Mission

For Marburger, the creation of Growth Zone is deeply personal.

“I believe we are called to serve and help others,” he states. “My mission is to develop my team, help the community, and grow individuals into better versions of themselves every day.” This servant leadership mindset is at the heart of Growth Zone’s ethos.

About Adam Marburger

Adam Marburger is a successful entrepreneur with a background in martial arts and a passion for personal development. He has been described as a relentless and ferocious businessman, driven by an indestructible confidence shaped by his martial arts training. Marburger’s commitment to helping others achieve their full potential led to the creation of Growth Zone, a platform that embodies his vision of holistic growth and community support.

Join Growth Zone

 The program is designed to be accessible, providing valuable resources and mentorship at a fraction of the cost of traditional executive coaching.

Watch this video on Linkedin to get more details about Growth Zone with Adam Marburger.

Individuals interested in joining Growth Zone can learn more and sign up. 

Joshua Dean, Producing Branch Manager/Mortgage Advisor at Homeowners Financial Group, has been ranked in the Top 10 among the nation’s mortgage loan originators for customer satisfaction in 2023. The 2023 rankings were published by Experience.com in June 2024. Dean is the leader of The Dean Team which serves clients seeking residential purchase and refinancing mortgages from its office in Canton, Georgia.

Experience.com is a leading provider of customer experience management software. This marks the sixth year of recognizing top mortgage professionals and companies that have shown exceptional customer service and performance over the past year. This competition ranks approximately 50,000 loan officers based on millions of customer reviews, survey completion rates, and star ratings submitted to the Experience.com platform. Awards are presented to the Top 1 percent of loan officers with the Top 10 individuals specifically noted.

Scott Harris, CEO of Experience.com commented, “This year’s winners have demonstrated an unwavering dedication to their customers with high volumes of positive reviews and robust survey completion rates. Each of these esteemed professionals and companies have utilized the Experience.com platform effectively to elevate their customer service, amplify their online reputation, and drive growth.”

Dean said, “It’s an honor to do what we do every day. Thanks to our partners, clients, and our incredible team including Colleen, Suzi, and Bridget. The Dean Team exists to create experiences that matter by delivering value that has a generational impact on the people we serve.”

Joshua Dean (NMLS#1662895) is a Producing Branch Manager/Mortgage Advisor at Homeowners Financial Group USA LLC ’s (NMLS#93718) office in Canton, Georgia. He has over 17 years of experience in the financial services industry including residential mortgages, debt management, and property and casualty insurance. Dean and his team serve clients in Georgia, Florida, Alabama, and Tennessee. In addition to the Experience.com award, he has been recognized among the Top Mortgage Originators in the nation by both Mortgage Executive Magazine and Scotsman Guide. He has also been awarded as a member of the Homeowners Financial Group’s President’s Club for 2020, 2021, 2022, and 2023. He holds a bachelor’s degree in Early Childhood Education as well as a master’s degree in Theological Studies. Dean, his wife Tina, and their three children live in the North Georgia area.

For more information about Joshua Dean, visit www.HomeownersFG.com/JoshuaDean.

Cash Flow Hacks, the popular podcast hosted by Chris Quintana, has just released a groundbreaking episode that unveils the secrets to achieving financial freedom and retiring early. In this episode, Chris Quintana dives into her signature program, the Financial Freedom Formula (FFF), and explains why it differs from other market programs.

Introducing the Financial Freedom Formula, Chris Quintana explains, “I wanted to flip the script on the financial industry. There is so much out there that we don’t know about, and there’s a reason we don’t know about it. Because the less you know, the more they make. And we want you to know more, so they make less.”

The Financial Freedom Formula (FFF) is designed to guide busy individuals who don’t have time to navigate the complex world of finance. Chris Quintana’s program offers a unique approach, combining a done-for-you, done-with-you, and do-it-yourself model. Clients are provided with the necessary knowledge and guidance to make informed decisions without the overwhelming burden of researching and learning on their own.

Stephanie Georgakopoulos, the co-host of Cash Flow Hacks, discusses the proprietary GPS system used in the Financial Freedom Formula.

“GPS stands for growth, protection, and savings,” explains Chris Quintana. “Our goal is to make your money work for you immediately while simultaneously protecting your wealth and ensuring long-term growth.”

One of the key features of the FFF is the “growth accelerator,” which helps clients create financial freedom within three to seven years instead of the traditional 40-year retirement plan.

Chris Quintana emphasizes, “We believe in working because we want to, not because we have to. Retirement should be about enjoying life, not just surviving.”

The FFF also focuses on protecting clients’ wealth against the five enemies of wealth: taxation, inflation, litigation, market fluctuation, and devastation. Clients can safeguard their assets and maximize their savings through strategic tax-saving strategies and comprehensive estate planning.

Several clients have already experienced remarkable transformations through the Financial Freedom Formula. One client, who had initially doubted the program, was able to retire her husband after just six months of working with Chris Quintana. Another client, who was initially stressed about retirement, discovered she had more than enough money to retire comfortably after implementing the FFF strategies.

Chris Quintana emphasizes, “Our program is non-traditional, but it works. Our clients can achieve financial freedom and retire early by going against the grain and challenging the traditional retirement mindset.”

Tune in to Cash Flow Hacks’ latest podcast episode to learn more about the Financial Freedom Formula and how it can help you achieve your financial goals. Visit Cash Flow Hacks to listen now.

For more information about Chris Quintana and her financial consulting services, visit https://www.cqconsultingservices.com or  YouTube, Instagram, LinkedIn, and Twitter for regular updates and tips.

About Chris Quintana:
Chris Quintana is a renowned financial consultant and host of the popular Cash Flow Hacks podcast. With over 13 years of experience in the financial industry, Chris is dedicated to helping individuals achieve financial freedom and live life on their terms. Through her signature program, the Financial Freedom Formula, Chris empowers clients to make informed financial decisions, protect their wealth, and retire early. Chris is passionate about challenging the traditional retirement mindset and believes in working because you want to, not because you have to.

About Cash Flow Hacks:
Cash Flow Hacks is a podcast hosted by Chris Quintana and Stephanie that provides listeners with valuable insights and strategies to increase cash flow, save more, and start living life on their own terms. Through interviews, discussions, and expert advice, Cash Flow Hacks offers a fresh perspective on personal finance and wealth management. Join the Cash Flow Hacks community to gain access to exclusive content and connect with like-minded individuals who are on their journey to financial freedom.

Click https://calendly.com/cqconsulting/tax-consult to start your journey toward effective tax management with CQ Consulting Services!

Cash Flow Hacks Podcast has announced a new episode featuring Jason Byers, a tax specialist with Allegiance. In this episode, hosts Chris Quintana and Stephanie Georgakopoulos discuss the use of life insurance policies for tax-free retirement income strategies.

During the episode, Byers shares his extensive knowledge of the different types of life insurance policies and how they can be utilized to create tax-free income during retirement. Byers explains that the volatility of taxes and the increasing tax rates make it crucial for individuals to plan for tax-free retirement income.

“One of the biggest advantages of utilizing life insurance as a tax-free retirement strategy is the ability to diversify your money into three buckets: tax now, tax later, or tax-free,” says Byers. 
“The tax-free bucket can help offset your tax liability in the future, especially considering the increasing tax rates and national debt.”

Byers goes on to discuss the different types of life insurance policies that can be used for retirement income, including whole life, universal life, index life, and variable life. He highlights the importance of selecting the right policy and designing it correctly to maximize returns and minimize risks.

“The key is to buy the least amount of insurance so that more of your money goes towards the investment,” says Byers. 

“We typically recommend using index life policies because they offer a cap on returns, protecting your money from market downturns, and have more favorable loan rates.”

Byers also addresses common mistakes and misconceptions regarding life insurance policies, such as setting unrealistic expectations and not considering the long-term implications of policy design.

“It’s essential to set the right expectations and design the policy in a way that aligns with the client’s financial goals,” says Byers.

 “We recommend working with experienced advisors who can navigate the complexities of life insurance policies and ensure that the policy does what it’s designed to do.”

The episode offers valuable insights and expert advice on utilizing life insurance for tax-free retirement income. Listeners are encouraged to tune in to better understand how they can leverage life insurance policies for financial security during retirement.
To listen to the full episode and gain access to more cash flow hacks, visit the Cash Flow Hacks Podcast website or subscribe to popular podcast platforms such as Apple Podcasts, Spotify, and Google Podcasts.

About Cash Flow Hacks Podcast:

Cash Flow Hacks Podcast is a leading podcast hosted by financial experts Chris Quintana and Stephanie Georgakopoulos. Each episode offers practical strategies and advice to help individuals make more, save more, and live more now. The podcast covers various topics related to cash flow management, tax planning, wealth creation, and financial independence.

Get a no-cost consultation: https://calendly.com/cqconsulting/tax-consult

In a captivating new episode of the Cash Flow Hacks podcast, host Chris Quintana sits down with Stephanie Georgakopoulos to uncover the game-changing benefits of the Checkbook IRA. As a leading expert in self-directed retirement accounts, Stephanie illuminates how this innovative financial tool can empower investors to take control of their financial futures.

“The Checkbook IRA gives you the speed and control you need to capitalize on opportunities as they arise,” Stephanie explains. “No more waiting on a custodian to approve your investments – with a Checkbook IRA, you have the freedom to make decisions quickly and efficiently.”

Listeners will learn how a Checkbook IRA works, the types of investments it allows, and the key differences between a traditional self-directed IRA and this more nimble approach. Stephanie delves into the convenience of local banking, the ability to combine multiple retirement accounts, and the significant cost savings that come with this setup.

“People don’t realize how much money they’re spending in their IRAs with all the fees,” Stephanie says. “A Checkbook IRA eliminates a lot of those headaches and transaction costs, allowing your retirement funds to work harder for you.”

For real estate investors, tax lien buyers, and those seeking diversification beyond the stock market, Stephanie highlights the endless possibilities a Checkbook IRA can unlock. “You can invest in anything from real estate and precious metals to private placements and joint ventures – the options are truly limitless.”

However, Stephanie also cautions listeners about the importance of understanding the rules surrounding disqualified investments and entities. “There are some clear guidelines we need to follow, but with the right guidance, navigating these waters is straightforward.”

To that end, Stephanie shares the comprehensive support offered by the team at CQ Consulting Services. “They handle everything from LLC formation to bank account openings, ensuring the process is seamless and compliant.”

Whether you’re looking to break free from the constraints of a traditional IRA or simply want to explore new investment horizons, this episode of Cash Flow Hacks is a must-listen. Tune in now to discover how a Checkbook IRA could be the key to unlocking your retirement potential.

The Cash Flow Hacks podcast is available on all major streaming platforms, including Apple Podcasts, Spotify, and Google Podcasts. To listen, visit https://www.cqcashflowhacks.com/ or follow the show on Facebook at https://www.facebook.com/CQfinancialconsulting.

New Catering Options:

Catering Setup and Delivery:
Ideal for those who want the convenience of having their party delivered and set up for
them. Available within a twenty-five-mile radius of downtown Cincinnati, this service
includes the delivery of food, serving trays, and utensils based on the order. With just two
days’ notice, customers can fill out a convenient online form to place their order, and set the delivery time, and Moerlein Lager House will handle the rest. “We bring the catering to you and set up everything so it’s ready to serve fresh and hot”, said Aaron Adams, General Manager of the iconic restaurant.

Self-Service Pickup:
Perfect for those who prefer to manage their event on their own. Customers can order
ahead from a selection of Moerlein Lager House menu items and catering trays. Orders
are packaged in easy-to-use recyclable containers with disposable cutlery and
napkins. Pickup is available curbside at the Moerlein Lager House.

Moerlein Lager House specializes in American fare with a nod to Cincinnati heritage,
including a wide range of appetizers, soups, salads, sandwiches, ribs, steaks, sausages,
rotisserie chickens, seafood, pasta, and more. Their staff pastry chef offers dessert
options to match any gathering.

Catering services are available every day of the week. For more information or to place
an order, visit the Moerlein Lager House website at www.moerleinlagerhouse.com or
directly visit the Moerlein Lager House Catering page at
https://moerleinlagerhouse.info/delivery-pickup-catering/.

Located at 115 Joe Nuxhall Way in downtown Cincinnati, Moerlein Lager House is
situated in Smale Riverfront Park, next to Great American Ballpark and adjacent to The
Banks lifestyle development.

About Moerlein Lager House:
The Moerlein Lager House is a spectacular restaurant, brewery, and event space in downtown Cincinnati on the banks of the Ohio River in Smale Riverfront Park, next to Great American Ballpark, Heritage Bank Arena, Paycor Stadium, and adjacent to The Banks lifestyle development.

Cincinnati’s brewing heritage comes alive with renowned Moerlein beers. Their name, beer, and menu pay tribute to Cincinnati’s rich German-American brewing traditions. Paired with fantastic views, an event catered by or at the Moerlein Lager House allows locals and out-of-town guests to appreciate the wonders of the Queen City.

For more details, visit www.moerleinlagerhouse.com or contact (513) 421-2337.

Location Info:
Moerlein Lager House
115 Joe Nuxhall Wy, Cincinnati, OH 45202
+1-513-421-2337

Ilana Klochkov is out to change that perception.

Klochkov, founder and CEO of RealtiesAbroad.com, is dedicated to making the world’s property markets accessible to all Americans seeking retirement options, second homes, or investment diversification. And, with the U.S. State Department estimating that only about 8 million Americans are living abroad, there is plenty of room for Americans overseas and lots of opportunities in international residential real estate.

“I have always been drawn to the transformative potential of real estate as a vehicle of wealth creation and lifestyle enhancement,” Klochkov says. “And international real estate can transcend borders and build bridges between cultures.”

Those deep-seated beliefs and entrepreneurial spirit are the driving forces behind RealtiesAbroad.com, the website Klochkov launched in 2023 with the goal of breaking down barriers by democratizing access to international property markets for ordinary Americans.

A self-described real estate fanatic with an “absolute passion” for global real estate, Klochkov has been one of the first to recognize the untapped potential of bringing foreign residential real estate opportunities to American buyers, pioneering new pathways to help them navigate the complexities of cross-border transactions so they can invest with confidence overseas. With a powerful website featuring a global property search engine and access to English-speaking professional services, Klochkov says that foreign property ownership can become a reality for anyone. “Our mission is to educate and empower individuals to explore offshore options for retirement, vacation homes, or portfolio diversification.”

According to Klochkov, there are many good reasons to consider international real estate, including portfolio diversification, experiencing diverse cultures and customs, and enjoying a different quality of life. “And this is not just for high-net-worth individuals,” she says. “International real estate can be a solid investment in a strong global economy for individual investors and can often provide a higher standard of living and better retirement.”

At RealtiesAbroad.com users can do a free search for properties by country, property type, or budget – and new properties are being added all the time. “Think of it as ‘Zillow’ but for the entire world,” Klochkov says. “Zillow doesn’t list properties outside of the United States, but we do.”

In addition to full property details, beautiful photography, and maps of the property location, the site provides a wealth of information on the country of interest, including the political system, economic data, climate information, the process of dual citizenship, and much more. Users can also search for English-speaking local professionals to assist with legal, financial, and other property-related needs.

Klochkov is working on the first and only International Property Show in the United States, an event that will feature exhibitors from around the world, as well as professionals who will provide vital information on property ownership abroad. “From villas to condos, fixer-uppers to new developments and so much more, this will be a fantastic place to see what the world property market has to offer,” Klochkov says.

“Don’t let fear of the unknown stop you from exploring the possibility of owning property abroad,” Klochkov advises. “Whether you want to generate rental income, relocate permanently, or simply vacation abroad, you might find that buying a home abroad is a lot easier than you thought.”

To start a free international property search, visit RealtiesAbroad.com.

Kevin Coffey & Christina Keller discuss how they can put more money into your pocket.

Listen to the interview on the Business Innovators Radio Network: Interview with Kevin Coffey & Christina Keller with A Brighter Future Discussing Their More Money for You Program – Business Innovators Radio Network

Providing emotional, empathy, and financial support is crucial when assisting individuals facing financial struggles. In a podcast episode featuring Kevin Coffey and Christina Keller from A Brighter Future, they highlighted how they can put more money into homeowners’ pockets while providing emotional support for homeowners dealing with foreclosure or financial difficulties. Kevin shared his personal experience of losing his childhood home and the emotional scars it left, underscoring the impact of such situations on individuals. Christina also emphasized the significance of listening with compassion makes a big difference to those overcoming tough times.

The emotional aspect of financial struggles cannot be overlooked. Many individuals facing foreclosure or financial hardships may feel overwhelmed, stressed, and hopeless. By offering emotional and financial support, individuals like Kevin and Christina can help alleviate some of the emotional burdens that comes with financial challenges. They aim to provide not only financial assistance but also a sense of hope and a brighter future for those in need.

Through their Program, Kevin and Christina will not only put more money into homeowners’ pockets but also help them navigate the emotional aspects of their situation. They aim to restore hope, provide guidance, and create a supportive environment for individuals going through tough times. By offering empathy and understanding, they strive to build long-term relationships with their clients and help them see that there is a way out of their current financial struggles.

Kevin and Christina shared that they could put more money into your pocket with their “More Money for You Program. “They will buy your home as is, make up your back mortgage payments, fix it, sell it, and share some of the profits with you. Their goal is not only to put substantially more money into homeowner’s pockets but also create a brighter future for them. Inquire about their Foreclosure Rescue Package.

About Kevin Coffey & Christina Keller

Kevin and Christina are some Colorado folks who know what it’s like when things get tough. Kevin grew up in North Denver, and Christina in Thornton. Life can throw some real curveballs, especially when keeping a roof over your head.

But they also know the pain of uncertainty and loss. Kevin’s family faced the heartbreaking reality of foreclosure when he was younger. He watched as their home, filled with love and laughter, slipped away. Looking back, he wishes his family had been thrown a lifeline that offered choices. They’re not just another option but a lifeline, a bridge to a brighter future by offering you choices. 

Learn More: http://www.abrighter-future.com 

Be advised that A Brighter Future LLC. provides general information and resources for informational purposes only. We are not providing legal or investment advice; nothing on our platform or in our communications should be construed as such. Our materials, including but not limited to articles, guides, and responses to inquiries, are not a substitute for professional legal or investment advice from qualified professionals licensed in your jurisdiction. If you require legal advice, investment advice, or representation, we strongly recommend consulting with licensed professionals who can provide tailored advice based on your circumstances.

While we strive to ensure the accuracy of the information provided, laws, regulations, and market conditions vary and may change over time. Therefore, we cannot guarantee the completeness or accuracy of the information presented.

In this episode of Cash Flow Hacks, Chris Quintana and Stephanie Georgakopoulos are joined by an expert guest who shares insights on the different types of trusts and how they can help individuals and families safeguard their assets and plan for the future.

To listen to the full episode and gain valuable insights on trusts and financial planning, go here.

The episode kicks off with Chris and Stephanie introducing their loyal listeners, the Cash Flow Hackers, to a special guest in the studio. Listeners should expect some background noise as Achilles, Stephanie’s furry friend, joins the conversation.

Throughout the episode, Chris and Stephanie discuss the importance of understanding trust options and how they can significantly impact financial planning. They cover various types of trusts, including the special needs trust, spendthrift trust, and Medicaid trust, among others.

Chris explains that the special needs trust is ideal for families with a loved one who requires Medicaid or SSI benefits. By placing assets in this trust, the beneficiary’s access to the property is restricted, ensuring their eligibility for assistance programs remains unaffected.

Stephanie adds that the spendthrift trust serves as a provision within a trust, protecting the beneficiary from using trust property as collateral for loans or to pay off debts. This feature is particularly beneficial for individuals with excessive debt or those who may be financially irresponsible.

The episode also highlights the benefits of the safeguard trust, a hybrid trust that incorporates the best elements of both revocable and irrevocable trusts. Chris emphasizes that the safeguard trust not only protects assets but also allows individuals to wear multiple hats as the trustor, trustee, and beneficiary.

Additionally, the episode touches on pet trusts, which ensure that beloved pets receive the care they need in the event of their owner’s passing. Stephanie shares a personal story about her own fur baby, Achilles, and how a pet trust provides peace of mind.

Chris concludes the episode by discussing the charitable trust, which offers streams of income and tax advantages for individuals who prioritize charitable giving in their financial planning.

Listeners are encouraged to reach out to Chris and Stephanie for more information on the safeguard trust, as they have partnered with a company that provides affordable estate planning services. The company has over 30 years of experience and ensures that trusts remain funded and well-managed.

Future episodes of the Cash Flow Hacks podcast will cover the formula for financial freedom, offering strategies to achieve financial independence within three to seven years.

For more information and to stay updated on future episodes, join the Cash Flow Hacks Facebook group and follow the show’s Facebook page, YouTube channel, Instagram page, LinkedIn, and Twitter.

To connect with Chris, visit https://calendly.com/cqconsulting/roth-conversion-consultation

Instagram

@chrisquintana_fc

Facebook

facebook.com/CQfinancialconsulting

LinkedIn

linkedin.com/in/christinaquintana

About Cash Flow Hacks Podcast:

The Cash Flow Hacks podcast, hosted by Chris Quintana and Stephanie Georgakopoulos, is dedicated to helping individuals increase their cash flow, save more, and live a more fulfilling life. With a focus on financial education, the podcast explores various strategies and topics often overlooked by traditional advisors. Chris and Stephanie provide expert advice and guidance to empower listeners to take control of their financial future.

“In my experience working closely with dental practices, I’ve discovered a universal wish among dentists—a wish for a steady stream of new patients who return for ongoing care, embrace recommended treatment, and settle their bills without delay.”, Kane stated.

Linda continued, “You basically get 16 summers with your kids,” I often remind my clients, which stresses the importance of prioritizing time with family and structuring practice hours to support this priority. The “secret sauce” for a fulfilling career in dentistry involves making decisions with a clear plan—prioritizing time with family, avoiding unnecessary debt, and making smart investments in the practice.”

Linda Kane’s new book, “Dental Office Rescue: Zeroed-In Solutions for Winning Patients Who Stay, Pay, and Refer,” is set to revolutionize the dental industry. With her extensive knowledge and expertise, Kane provides dentists with the essential tools and strategies needed to build a thriving practice that not only attracts new patients but also retains them for long-term success.

Through personal anecdotes and real-life case studies, Kane highlights the challenges faced by dental practices and offers practical solutions to overcome them. She delves into topics such as patient retention, effective billing practices, and fostering a referral-based practice. Her insights are invaluable for dentists looking to increase patient satisfaction, boost revenue, and create a practice that stands out in a competitive market.

Linda provides real-life examples of transformed dental offices that have gone from near bankruptcy to multimillion-dollar success stories under her guidance. With her private practice principles, even the lowest-ranking corporate offices have soared to the top tier.

Linda Kane’s unique approach to dental office management has earned her accolades throughout her career. She combines her extensive experience as a billing specialist and industry consultant to offer practical advice that can be implemented immediately. Her hands-on approach was particularly valuable during the challenging times of 2020 when she personally aided dental offices in navigating the uncertainties and adapting to the new normal.

The book’s release couldn’t come at a better time, as dental practices are looking for innovative solutions to thrive in a post-pandemic landscape. “Dental Office Rescue” is a game-changer for dentists who are ready to elevate their practice and achieve sustainable success.

Don’t miss this exclusive opportunity to get your hands on Linda Kane’s groundbreaking book, “Dental Office Rescue: Zeroed-In Solutions for Winning Patients Who Stay, Pay, and Refer.” Take advantage of the special flash sale on Tuesday, June 4, and purchase your copy at https://www.amazon.com/dp/B0D4WQQQWK.

About Linda
Linda Kane, founder of Zeroed-In Dental Solutions, has been a transformative force in dentistry since 1999. Starting her career in a small practice in Greeley, Colorado, she has excelled in every role in dental office management, becoming a seasoned billing specialist and a sought-out industry consultant. Linda’s dedication extends beyond professional excellence; she personally aided dental offices during the challenging times of 2020 with a unique, hands-on approach that has earned her numerous accolades. Linda is a proud single mother and a dog mom to two Aussiedoodle rescues. Under her leadership, Zeroed-In Dental Solutions stands as a beacon of integrity, community, and empowerment in modern dentistry, committed to helping dental practices thrive.

Seth Greene’s RIA Podcast series, provides valuable insights and strategies for individuals looking to take control of their financial future.

He recently interviewed Chris Quintana, a financial strategist who uses a nontraditional approach to help clients create financial freedom in 3-10 years. The episode, which is part of Greene’s RIA Podcast series, provides valuable insights and strategies for individuals looking to take control of their financial future.

“Her willingness to challenge the status quo and provide alternative solutions is exactly what our listeners need to hear.”

In the episode, Quintana shares how she got into the financial services industry after being taken advantage of by a “supposed professional.”

This experience sparked her desire to educate herself and others on the inner workings of the financial system, which she describes as “rigged” against the average person.

“The more I learned, the more I realized that our financial system and our government have basically rigged the system,” said Quintana.

 

“It’s like we’re playing a money game, but we have no rules. Many of my clients are doctors who are making good money, but they have no financial education, so they’re not making the right choices with their money.”

Quintana went on to explain her “Financial Freedom Formula,” which helps clients create cash flow and achieve financial independence in a fraction of the time traditionally recommended. This nontraditional approach includes strategies like bridge loans and tax planning rather than relying solely on the stock market and traditional investment vehicles.

“Cash flow is really what it’s all about,” Quintana stated.

“Financial freedom that people are trying to reach in 45-plus years, they’d never have to do that if they would have known a different route, which is the opposite direction of the financial industry.”

Listeners of the podcast episode will be intrigued by Quintana’s insights on the shortcomings of the traditional financial system and motivated by her proven strategies for building wealth. The episode is a must-listen for anyone seeking an alternative path to achieving financial security and independence.

To listen to the full episode, visit  RIA Podcast series.

About Chris Quintana

Chris Quintana is a renowned CEO and financial expert specializing in teaching clients how to achieve financial freedom in a shorter period of time.

“At CQ Consulting Services, our mission is to empower individuals with safe, innovative, and intentional strategies that can transform their financial lives. We want to help people make more money, keep more money, and live more now,” said Quintana.

Chris Quintana’s strategies for achieving financial freedom are truly revolutionary. Connect with Chris here.

Visit cqconsultingservices.com

 In this informative episode, Chris and her guest, Stephanie Georgakopoulos, shed light on the misconceptions surrounding estate planning and emphasize its importance for individuals of all financial backgrounds.

The episode begins with Chris introducing Stephanie as her guest and setting the stage for a discussion on estate planning. Chris emphasizes the need to educate listeners about topics their financial advisors may not cover, as “the less people know, the more financial advisors can profit.” Stephanie then explains that estate planning is not just for the wealthy but is relevant at all stages of life.

She breaks down the essential documents in an estate plan, such as wills, living wills, health care proxies, financial powers of attorney, and trusts. One key point Stephanie makes is the significance of having a will. She shares a cautionary tale about a client named Karen, who mistakenly left her late husband’s 401k assets to his ex-wife because she did not understand the implications of beneficiary designations. This story serves as a powerful reminder of the importance of seeking professional advice when creating a will. Chris then takes the mic to discuss living wills and healthcare proxies. She explains that these documents allow individuals to outline their medical treatment preferences and designate someone to make decisions on their behalf if they become unable to do so. Chris stresses the importance of having these documents in place to avoid burdening loved ones with difficult decisions during already stressful times. The conversation then shifts to financial powers of attorney, which grant someone the authority to act on behalf of the principal (the person creating the document) in financial matters. Chris and Stephanie discuss the benefits of having a financial power of attorney and the situations in which it can be crucial.

Finally, the episode delves into the topic of trusts. Chris explains that a trust can help protect assets from probate and estate taxes, which can be costly and time-consuming. She highlights the importance of including certain assets, such as bank accounts, investment accounts, and real estate, in a trust to avoid probate. Chris also introduces the concept of a “hybrid trust,” which offers the benefits of both a revocable and irrevocable trust, providing asset protection, tax benefits, and flexibility.

To encourage listeners to tune in to the full episode, Chris and Stephanie tease some intriguing points discussed, creating curiosity. They also invite listeners to leave questions in the comments section of their Facebook page or in a review on Apple Podcasts, promising to address them in future episodes.

Listeners can access the full episode on the Cash Flow Hacks website or subscribe to the podcast on Apple Podcasts, Spotify, or their preferred podcast platform.

About Cash Flow Hacks: Chris Quintana hosts Cash Flow Hacks, a financial podcast that provides valuable insights and strategies to help individuals make more, save more, and live more in the present. By tackling topics that traditional financial advisors may not cover, Cash Flow Hacks empowers listeners to take control of their financial future.

Get more information at CQ Consulting Services.

The latest episode of the Cashflow Hack podcast, hosted by Chris Quintana and Stephanie Georgakopoulos, delves into the topic of tax-free retirement plans. In this eye-opening episode, Quintana and Georgakopoulos discuss the benefits of utilizing life insurance as a retirement strategy and provide insights into how it can help business owners achieve financial security in their golden years.

The hosts kick off the episode by emphasizing the importance of having a tax-free retirement plan. Quintana states, “There is a vast difference between pulling out $100k a year tax-free in retirement and pulling out $100k and paying taxes on it. The amount you have left to live off is significantly impacted by taxes.”

Georgakopoulos adds, “Many small business owners haven’t set up a retirement plan because they know they should, but they procrastinate. Unfortunately, many find themselves without the financial means to do so. That’s where life insurance comes in as a powerful tool for business owners.”

Throughout the episode, the hosts share personal anecdotes and expert insights to tease listeners on the intriguing points of using life insurance for retirement planning. They highlight the following reasons why life insurance is an ideal retirement solution:

1. Protection for Family: Life insurance provides coverage for business debt and ensures financial security for the family in case of the owner’s death. Quintana emphasizes, “Life insurance shouldn’t be considered an extra or an expense; it should be standard practice for all business owners.”

2. Flexibility for Business Owners: Life insurance allows business owners to set up a tax-qualified plan without the burden of funding retirement accounts for employees.

Georgakopoulos explains, “Business owners who want to help their employees plan for retirement can benefit from life insurance since there is no requirement to fund employee accounts.”

3. Simple and Easy: Life insurance policies have no separate record-keeping or reporting requirements, relieving business owners of tedious reporting tasks.

4. No Limit on Savings: Unlike other retirement accounts, life insurance policies have nomaximum limit on contributions. This flexibility is particularly beneficial for business owners who may have fluctuating incomes.

5. Liquidity: Life insurance policies provide instant liquidity to the owners’ estate, allowing beneficiaries to receive the death benefit quickly. Additionally, policyholders can tap into the cash value of the policy for emergencies or business needs.

6. Tax-Free Retirement: The most compelling reason to consider life insurance as a retirement solution is the ability to take tax-free loans from the policy’s cash value. Quintana points out, “Taking a $100,000 loan from a life insurance policy means you can spend the full $100,000 in retirement, while traditional retirement accounts may require paying taxes on the amount withdrawn.”

The hosts conclude the episode by emphasizing the significance of properly designed life insurance policies for retirement planning. They encourage listeners to reach out with any questions or topics they would like to explore in future episodes.

To listen to the full episode and learn more about tax-free retirement plans, visit the Cashflow Hacks podcast on Apple Podcasts, Spotify, or their official website.

About Cashflow Hacks Podcast:
 Cashflow Hacks is a podcast dedicated to helping individuals and business owners optimize their financial strategies and make informed decisions about their money. Hosted by financial experts Chris Quintana and Stephanie Georgakopoulos, the podcast covers a wide range of topics related to wealth creation, tax planning, cash flow management, and retirement strategies. Each episode provides practical tips, advice, and real-life stories to inspire and educate listeners on achieving financial freedom.

To talk to Chris directly, make an appointment here.

 In this episode of Cash Flow Hacks, a popular podcast hosted by Chris Quintana and Stephanie Georgakopoulos, Jeanne Culture shares her knowledge and experiences with self-directed IRAs, offering insights and advice on how individuals and families can take control of their retirement funds and invest in alternative assets.

In this engaging and informative episode, Jeanne discusses how she helped her entire family set up self-directed retirement accounts. She explains the benefits of self-directed IRAs, highlighting the increased profitability and control over investments compared to traditional stock market options. Jeanne shares how her father’s retirement savings drastically improved after setting up a self-directed account, allowing him to diversify his investments and avoid required minimum distributions.

Jeanne and the hosts also discuss the differences between traditional and Roth self-directed IRAs, emphasizing the Roth option’s tax advantages. They explain how contributions to a Roth IRA are taxed upfront, allowing for tax-free growth and withdrawals in retirement. They also touch on the types of accounts that can be moved into self-directed IRAs, including traditional IRAs, Roth IRAs, 403(b)s, and more.

Throughout the conversation, Jeanne addresses common misconceptions and provides valuable insights for listeners. She emphasizes the importance of finding reputable self-directed IRA companies and warns against custodians who limit investment options to stocks, bonds, and mutual funds. Jeanne also highlights some restrictions and disqualified persons when it comes to self-directed accounts.

Chris Quintana and Stephanie Georgakopoulos, the hosts of Cash Flow Hacks, are thrilled to have Jeanne Culture as a guest on the show.

Chris states, “Jeanne has a wealth of knowledge and experience in the self-directed IRA space. Her passion for helping others take control of their retirement savings is truly inspiring, and our listeners will benefit greatly from her insights.”

The Cash Flow Hacks podcast provides practical tips and strategies for maximizing cash flow and achieving financial freedom. Focusing on alternative investment opportunities, the show aims to educate and empower listeners to take control of their finances and build a secure future.

The episode featuring Jeanne Culture can be accessed on the Cash Flow Hacks website or through popular podcast platforms. Listeners are encouraged to tune in to learn more about self-directed IRAs and how they can benefit from this investment strategy. For more information about Cash Flow Hacks and upcoming episodes, please visit www.cashflowhacks.com.

Unlock the secrets of financial prosperity and creative fulfillment in this indispensable guide for every creative professional seeking a joyful and abundant life. This book bridges the gap between creativity and financial wisdom, ensuring you no longer have to choose between your passion and prosperity.

“Be open to rewriting your money story where abundance flows as freely as your creativity—this is not just about making money, it’s about making a life,” says Fontanilla.

Fontanilla’s book is a beacon of hope for those seeking to overcome creative blocks that hinder success. Through her insightful strategies, readers will discover how to shift their energy to attract the success and recognition they deserve.

Elisa Estera, Brand Strategist and Emotional Alchemist of Vivid Edge, raves, “Finally, a book on money and prosperity that makes sense to a creative mind. Jen has a gift for integrating the left and the right brain, showing that inspiration and practicality can co-exist, especially when it comes to our finances.”

Key Benefits of “The Creative Code” Include:

• Transformative Insights: Understand how past financial experiences influence your current financial struggles and learn effective strategies to transform those beliefs.
• Practical Strategies: Discover how to use affirmations correctly and integrate them into your creative process for enhanced mental and emotional well-being.
• Powerful Techniques: Learn three powerful forgiveness techniques that clear the way for creativity and financial prosperity.
• Environmental Shifts: Declutter both your mind and workspace to invite and sustain a flow of abundance.
• Value Your Work: Overcome the fear of selling and learn to confidently charge what your creative work is truly worth.
• Daily Rituals: Establish a daily ritual that aligns with your purpose, enhancing your creative flow and focus throughout the day.
• Build Your Team: Design and assemble a financial dream team, understanding the critical questions to ask to ensure they align with your creative and financial goals.
  

Jen Fontanilla brings over 25 years of graphic design experience working for major brands like Warner Bros., Sony Pictures, Disney, Target, Nintendo, and nearly 19 years in financial services. . She is on a mission to help creative professionals and entrepreneurs break through their money stories, creating healthier relationships with money and themselves.

Don’t miss out on this life-changing opportunity. Purchase “The Creative Code” now and unlock your path to happiness, wealth, and joy. Grab a copy here: https://jenmoneycoach.com

About Jen Fontanilla:

Jen Fontanilla is a Certified Money Coach (CMC)®, International and TEDx Speaker. “The Creative Code: A Creative Professional’s Way to Happiness, Wealth and Joy” is her 7th authored book. Fontanilla focuses on helping creative professionals and entrepreneurs break through their money stories to create a healthier relationship with money and themselves. She has a heart for creatives who are often told they can’t make “real money” and are afraid to pursue their true passions.

Ron Kleier, with his unique experience as both a buyer and seller, offers a concise, powerful guide to navigating the sale of your business. This book lays out a vision where your sale exceeds expectations, seamlessly balancing emotional and financial aspects. Kleier addresses common fears like confidentiality and financial outcomes and introduces the Controlled Auction method—a strategy to maximize your sale’s success by fostering competitive bidding.

“My experiences have fueled a strong passion for educating business owners like you in navigating one of the most significant transitions in your life,” Kleier stated about his inspiration for the book.

Kleier continued, “As a hardworking independent business owner, finding the time and energy to focus on selling your business can be challenging. This is where a professional broker or intermediary becomes indispensable – directing you through the process while allowing you to concentrate on the day-to-day operations to keep the business thriving. Most business owners are experts in operating their business, but since most are selling for the first and only time in their lives, they don’t know how to go about it to achieve maximum results.”

In “Value Control,” Ron Kleier provides a step-by-step roadmap to help you through the entire sales process, ensuring you achieve the best price and terms for your business. With his extensive knowledge, Kleier guides you through the intricacies of selling a business, from valuing your company and identifying potential buyers to negotiating the deal and managing the transition.

One of the most valuable aspects of “Value Control” is Kleier’s introduction of the Controlled Auction method. This proven strategy creates a competitive bidding environment, bringing multiple qualified buyers to the table and maximizing your business’s value. Kleier explains the intricacies of this process and provides actionable steps to implement it effectively, giving you the upper hand in negotiating the best terms and price.

“Value Control” goes beyond the mechanics of selling a business. Kleier helps you prepare for life after the sale, whether retirement, pursuing new ventures, or simply enjoying more quality time with loved ones. He offers guidance on managing the emotions of letting go of a business you’ve built, ensuring a smooth transition and a lasting legacy.
Don’t miss out on the opportunity to learn from Ron Kleier’s invaluable expertise. Get your copy of “Value Control: Selling Your Business for the Best Price and Terms Using the Controlled Auction Process” on a special flash sale on May 7, available exclusively on Amazon.

Purchase the book on a special flash sale on May 7 at: https://www.amazon.com/dp/B0CW18T2M5.

About Ron Kleier

Ron Kleier, a Senior Business Advisor with Apex Business Advisors in Overland Park, KS, is an expert in the business brokerage industry, holding Certified Business Intermediary (CBI) and Accredited Business Intermediary (ABI) designations. With a dynamic career spanning over four decades, Ron has owned, operated, and sold upwards of sixty diverse businesses, ranging from supermarkets and franchises to e-commerce and manufacturing companies. His journey began in a family-owned grocery store in 1969, where he honed his skills in business management, later expanding the family business from $25M to over $100M through savvy sales and acquisitions.

A National Chairman’s Circle Winner and recipient of the Apex Outstanding Sales Award from 2021 to 2023, Ron is known for his deep understanding of business operations and commitment to guiding clients through significant transactions. Now residing on a serene 16-acre property outside Wellsville, Kansas, Ron leverages his experience and personal approach to ensure his clients’ success, providing peace of mind and optimal outcomes in the buying and selling process.

In a revealing conversation on MegaBucks Radio, Chris Quintana delves into her unique financial planning methodologies and the avant-garde investment strategies she offers her clients. Quintana’s journey into the financial realm was born out of adversity; she was inspired to make a change after her own negative experiences with a financial professional.

“I was taken advantage of by a financial professional,” Quintana disclosed, underscoring her motivation to empower others, especially women, in financial literacy.

Quintana introduces the audience to her Financial Freedom Formula (FFF), emphasizing its pillars of growth, protection, and savings. She passionately discusses utilizing tax strategies and estate planning to not only maximize returns but also secure assets. Quintana’s approach is client-centric, offering a personalized “done for you” experience that ensures clients are guided and supported throughout their financial journey.

A significant part of the episode is dedicated to exploring alternative investments, with a spotlight on real estate. Quintana articulates her belief in the power of real estate to provide superior returns.

She explains, “With Real Estate you can make more money- just like the banks do. . . So if we can use the same real estate strategy, we can become the bank.”

Quintana also addresses the inherent risks in real estate investment, highlighting the importance of meticulous vetting and due diligence. She shares her strategy of partnering with experienced developers to minimize risks and enhance investment success.

On the topic of her fee structure, Quintana clarifies, “My clients pay a fee for my services, which includes comprehensive financial planning, access to private investment opportunities, and ongoing support.”

This transparent approach reflects her dedication to delivering substantial value to her clients.

Listeners are invited to engage with this enlightening episode to gain valuable insights into Quintana’s innovative financial planning and investment strategies. It provides a compelling narrative on the advantages of considering alternative investment avenues.

To access the episode, visit Mega Bucks Radio’s website at megabucksradio.com. For more information on Chris Quintana’s services or to schedule a consultation, visit CQ Consulting Services at cqconsultingservices.com.

About Mega Bucks Radio

Hosted by Nina Hershberger, Mega Bucks Radio is a podcast that features in-depth conversations with successful entrepreneurs. It offers actionable strategies for financial growth and success, making complex financial concepts accessible to a broad audience.

About Chris Quintana

Based in Georgia and Florida, Chris Quintana is a financial strategist and estate planner renowned for her innovative financial planning and alternative investment strategies. With a focus on empowering women in financial literacy, Quintana is a trusted advisor committed to her client’s success.

Lewis & Associates, LLP. and Investing Across Borders announce a strategic collaboration aimed at providing enhanced immigration solutions for clients seeking entry into either the United States or Canada. This partnership brings together two industry-leading firms, leveraging their expertise to streamline the immigration process and deliver exceptional value to clients worldwide.

With a shared commitment to excellence and innovation, Lewis & Associates, LLP. and Investing Across Borders are poised to revolutionize the cross-border immigration landscape. By combining their respective strengths and resources, the two firms will offer comprehensive services tailored to the unique needs of individuals, families, and businesses navigating the complexities of immigration law. Clients will benefit from a wide range of services, including: Expert guidance on immigration pathways and eligibility criteria for both the U.S. and Canada.


Assistance with visa applications, petitions, and documentation, ensuring compliance with all relevant regulations and requirements.
Holistic strategic planning and investment consulting services for individuals seeking immigration through investment programs such as the E-2 Treaty Investor Program, the EB-5 Immigrant Investor Program and Canada’s various investor immigration streams.
Ongoing support and advocacy throughout the immigration process, from initial consultation to arrival in the destination country.


“This collaboration represents a significant milestone for both our firms and, more importantly, for our clients,” said Jacki Lewis, Founder Lewis & Associates, LLP.

“By combining our knowledge, experience, and resources, we can offer unparalleled support to individuals and businesses seeking to establish themselves in the U.S. or Canada.”

“We are thrilled to partner with Lewis & Associates to expand our reach and enhance our service offerings,” added Lauren Cohen, Founder at Investing Across Borders.

“Together, we will provide clients with the guidance and support they need to navigate the complex immigration process with confidence and ease.”

Lewis & Associates and Investing Across Borders are committed to delivering exceptional value and results for their clients. This collaboration represents a powerful union of expertise and resources, poised to redefine the standard for cross-border immigration solutions. Contact Lauren Cohen at Hello@InvestingAcrossBorders.net to learn more or visit investingacrossborders.net to register for the joint launch event!

Gregg Kunz guides you through envisioning and achieving a lucrative and fulfilling exit from your life’s work, addressing many business owners’ fears and uncertainties. From understanding the true value of your business to navigating emotional and logistical hurdles, this book is the definitive roadmap for those ready to embrace the next chapter. Written in plain English, he provides welcomed clarity of the exit process, demonstrating that a successful outcome is well within reach of all business owners.

Gregg details strategies to tackle confidentiality concerns, obstacles that diminish value, and identity crises head-on. He offers advice with an empathetic voice and a wealth of personal experience. His thoughtful guidance of a proven process removes the mystery from what many business owners see as too complex. The result is clarity and confidence for the business owner to take action and maximize the value of their most valuable asset.

Explore topics such as sale preparation, valuation, marketing, and closing the deal. Beyond the technicalities, this book empowers you to move towards the life you’ve dreamed of after business – a peaceful retirement or a new, exciting venture.

Kunz stated, “My hope is that you, the business owner who bets on themselves every morning, will benefit from what I have learned and remember why you went into business.”

When asked about his motivation for writing this book, Kunz replied, “I’ve written this book for some of the loneliest and most courageous members of society – the business owners. Few things have contributed to the success story that is America as much as the men and women who combined an idea and hard work into a powerhouse of wealth creation for themselves and those around them: their employees, their suppliers, advisors, and customers.”

The book can be purchased on a special flash sale April 9 at: https://www.amazon.com/dp/B0CY69V51B

Business owners who want to get the most from their businesses can connect with Gregg on his website: https://rockymountainba.com/

About Gregg Kunz

Gregg Kunz is a seasoned entrepreneur and business leader, founding and growing several companies to successful exits. With a BA in Business and Languages from the University of Arizona, Gregg’s career took off in New York, where his leadership and strategic insight propelled him from sales to senior executive roles. Transitioning to entrepreneurship, he’s made a significant mark in the business brokerage industry, earning recognition as an expert. Passionate about guiding others toward rewarding business ventures, Gregg is a committed mentor and advocate for small business owners and believes these individuals are key players in the American success story, having the courage to step out of their comfort zone and distinguish themselves in a world where many are hesitant to take that leap.

Perillo states, “Business owners get so engrossed in everyday tasks that they lose sight of the bigger picture and strategic direction. The ability to adapt and innovate, particularly in challenging times like the recent global pandemic, is crucial.”

In a stunning achievement, Gerard Perillo has soared to the top of the Amazon Best-Seller list with his latest book, Sharkpreneur. Perillo’s book has secured the number one position in multiple categories, capturing the attention of readers and experts alike and solidifying his status as a leading authority in the business world.

Sharkpreneur explores the challenges faced by business owners, emphasizing the significance of adaptability and innovation. Perillo’s experience and expertise shine through as he provides invaluable insights and strategies to navigate the ever-changing entrepreneurship landscape. His thought-provoking anecdotes and practical advice resonate deeply with readers, igniting a spark of inspiration and invigorating their entrepreneurial spirit.

Gerard Perillo brings a wealth of knowledge and a unique perspective as a Certified Business Intermediary (CBI) and Business Certified Appraiser (BCA). With over 20 years of experience in valuing and selling businesses, he has successfully closed transactions totaling an impressive $510 million throughout his career, with $285 million sold in the last two years alone. His credentials set him apart from other business brokers, ensuring that the valuation of a business is neither understated or overstated.

Amidst the challenges posed by the recent global pandemic, Perillo’s message of adaptability and innovation resonates deeply with business owners seeking a roadmap to success. He emphasizes the need to embrace change rather than resist it, as those who adapt will thrive in the competitive business world.

“Don’t resist change because if you’re adaptable in the business community, you will find the right roadmap,” remarks Perillo. His words serve as a rallying call for entrepreneurs to embrace new strategies and approaches to drive their businesses to success.

To further support readers in their entrepreneurial journey, Sharkpreneur is now available for purchase on Amazon at https://www.amazon.com/dp/B0CPCFRZ9V.

This compelling book is an essential resource for business owners looking to gain a competitive edge and achieve their goals.

For more information on Gerard Perillo and his contributions to the business world, please visit https://sharkteam.com.

As a Co-Vice Chair of the eXp Business Brokerage Committee, Gerard is actively involved in developing guidelines and procedures to sell businesses in all 50 states. His commitment to excellence and innovative approach to business valuation have positioned him as an industry expert, making him a trusted advisor to countless entrepreneurs.

About Gerard Perillo
Gerard Perillo has been valuing and selling businesses for over 20 years. His remarkable career boasts the successful sale of hundreds of businesses, with $510 million in closed transactions. Gerard has sold businesses amounting to $285 million in the last two years alone. Gerard’s expertise is unmatched as a Certified Business Intermediary (CBI) credentialed through the International Business Brokers Association (IBBA). He is also a Business Certified Appraiser (BCA), which uniquely qualifies him as an SBA appraiser. In 2020, Gerard developed Today’s VAL, the first business valuation software that integrates with Intuit QuickBooks, establishing himself as an industry expert in business valuation. Gerard Perillo joined the eXp Commercial Business Brokerage division in October 2021, bringing his esteemed Shark Team with him. He currently serves as Co-Vice Chair of the eXp Business Brokerage Committee, playing a pivotal role in developing guidelines and procedures for selling businesses nationwide.

Financial coach and mortgage broker Dionne Lee has won a prestigious Queensland award for her work helping people own their own homes and build investment property portfolios.

Dionne Lee, CEO and founder of Xcellerate Finance, has been named Bankwest’s Broker of the Year for Queensland. Bankwest’s Broker of the Year awards are all about recognising and celebrating the very best professionals working in the mortgage broking industry.

Dionne has been working in finance and lending from the age of 17 and bought her first property at the age of 20 so she could start building a passive income. She is passionate about helping people understand their finances better and is an expert in mortgage lending, real estate and wealth creation.

The 47-year-old, who also runs A Woman Inspired to empower women and teach them how to achieve financial freedom, says: “There are around 3,500 brokers in the state of Queensland so I feel very honoured to win this award. I’m really proud to have been named Broker of the Year but it isn’t just my win – the whole team works so well together, and this is a win for all of us.

Dionne prides herself on helping people find the best solution for their individual needs and circumstances. This includes looking at why people want to buy a property and what they want their real estate investment to do for them.

She says: “Everybody wants more income so why not create a passive income through building a property portfolio? However, many people buy the wrong property, so they need to know what to look for in an investment property and what the most appropriate options are for them.”

This is not the first time Dionne’s efforts have resulted in an awards win. In November 2023, she was the Empowerment Award winner for Queensland at the 2023 Connective Excellence Awards.

The Empowerment Award is given each year to female brokers who display excellence not only in loan settlements but also customer service, community engagement and professional development. Dionne is passionate about helping women to better understand money and create their own wealth and financial independence.

Find out more about Dionne at https://www.xcelleratefinance.com.au/ and https://www.awomaninspired.com.au/ 

(New York.) Bestselling author, speaker, and financial literacy coach Michael D. Wynn has been awarded the President’s Lifetime Achievement Award for his outstanding service to the community.

“On behalf of the American people, I extend my heartfelt appreciation to you for your volunteer leadership, and I encourage you to continue to answer the call to serve,” wrote President Joe Biden in a letter to Wynn. “The country is counting on you,” the President stated.

“I am so honored to be among the few recipients of the esteemed President’s Lifetime Achievement Award,” said Wynn. “My commitment to aiding low-income families through income tax preparation, conducting financial literacy outreach programs, facilitating Money Smart financial literacy training, and publishing articles on financial literacy and identity fraud protection over several years has been immensely fulfilling.”

The President’s Lifetime Achievement Award honors individuals who make a positive impact on their community and complete more than 4,000 hours of volunteer service in their lifetime.

With more than 35 years as a financial audit specialist, fiscal monitor and business compliance specialist, Wynn teaches, consults, and trains both individuals and business teams to pursue development, growth, substantial profits, and stability through his unique “Habit Matrix.”

“Financial literacy is a subject we can all use more of since it’s not taught enough in schools,” say Dr. ZaLonya Allen, President and CEO of National Entrepreneurs Association. “Michael Wynn’s book does a great job of breaking down how to manage your finances in a way that anyone should be able to understand.”

“Mike Wynn has always been an energetic, impressive individual that has been involved in some powerful projects in the inner city with me,” says Lois Gibbons, Former Financial Literacy Director, Account Aid Society. “His incredible background and wealth of knowledge helped individuals many times throughout the metropolitan area, for which I am most grateful.”

Wynn will be presented with the award as he speaks at The Leadership Experience Tour (LET) dinner on March 23, 2024, at the Michigan State University Convention Center in Troy, Michigan.

Michael Wynn connects with leaders, business teams, and organizations that thrive on a winning strategy through repetition and growth development. As a habit success strategist, financial expert, author, and speaker he is inspired to make a difference. He is the author of two bestselling books: Habits Don’t Lie: 7 Habits to Overcome Obstacles To Win and The Habit Effect: Your Life, Your Money. Committed to raising financial literacy awareness, he holds certifications as an authenticity coach, financial literacy trainer and fraud examiner. 

To learn more about coaching, programs, and speaking opportunities featuring Michael Wynn, visit https://MichaelWynn.com.

In the latest episode of the Vegas Business Spotlight, sponsored by RSVP Las Vegas, host Tim Knifton sits down with insurance expert Lennox Cornwall to discuss his unique approach to insurance and risk management. Cornwall, the founder of Cornwall Insurance Agency based in Henderson, Nevada, shares his insights and wisdom gained from his remarkable journey to success.

Cornwall’s insurance agency takes a consultative approach, distinguishing itself from other brokers who focus solely on providing quotes. He believes in understanding his clients’ needs and diagnosing their requirements before prescribing any insurance solutions. Cornwall’s expertise lies in serving small businesses with 1 to 50 employees, where he combines his background in corporate banking and business consulting to provide comprehensive risk management strategies.

When asked about his qualifications, Cornwall humbly replied, “I would say good looks and charm, but you would see through that straight away. My background as a corporate banker dealing with Fortune 500 aerospace companies in London, combined with my experience as a business consultant specializing in turnarounds, has equipped me with the skills and knowledge to deliver what I promise.”

Cornwall’s diverse industry experience, including banking, consulting, and owning a franchise business, has shaped his approach to entrepreneurship. Reflecting on his early days as an entrepreneur, Cornwall shared a powerful story of resilience and self-discovery. After losing everything in a business partnership gone wrong, he turned to journaling and self-reflection to understand his mistakes. This process led him to write a book called “Embracing Failure: Your Key to Success,” where he redefines failure as a fruitful and informative lesson urging renewed effort.

Being based in the vibrant city of Las Vegas has influenced Cornwall’s business strategies. He emphasizes the importance of networking and building meaningful connections within the business community. Cornwall joined the Henderson Chamber of Commerce as well as local chapters of BNI (Business Network International) to expand his network and grow his business through word-of-mouth referrals.

As an insurance broker, Cornwall has tapped into the diversity of Las Vegas’ industries by focusing on niche markets such as manufacturing and technology. He also recognizes the critical need for cyber security and employment practices liability insurance in the current business landscape, providing essential coverage for small business owners.

Looking to the future, Cornwall has set ambitious goals for his agency. He aims to build a team of agents who share his vision and values, allowing the business to run smoothly with or without his direct involvement. Cornwall is also passionate about giving back, committing a percentage of his revenues to support a charitable cause.

In reflecting on his journey, Cornwall shares a piece of advice that has guided him in both business and life: “There absolutely is a way if we can think of something. If you have a vision, there is a way of achieving it.”

To learn more about Lennox Cornwall and his unique approach to insurance, tune in to the Vegas Business Spotlight podcast. Cornwall’s books, “Embracing Failure: Your Key to Success” and “Creating a Fulfilling Life through Spiritual Growth,” are available at major bookstores and online retailers.

http://www.lennoxcornwall.com/

About Vegas Business Spotlight:

Vegas Business Spotlight is a podcast that explores the vibrant business landscape of Las Vegas, featuring interviews with entrepreneurs, industry leaders, and success stories from the city. Hosted by Tim Knifton, the podcast offers valuable insights, strategies, and inspiration for businesses and individuals looking to make their mark in the City of Lights.

About The Show Sponsor:

“Vegas Business Spotlight” podcast is proudly sponsored by RSVP Advertising Las Vegas, your premier direct mail postcard service in the heart of Las Vegas. With a commitment to delivering outstanding results and effective marketing solutions, RSVP Las Vegas specializes in helping businesses connect with their target audience through direct mail.

Visit their website at RSVPLasVegas.com to explore the range of direct mail services they offer. From designing eye-catching postcards to precisely targeting your desired audience, RSVP Las Vegas has your direct mail marketing needs covered. Their team of experts is dedicated to helping your business make a lasting impression and drive results.

Whether you’re launching a new marketing campaign, promoting a special offer, or aiming to boost brand awareness, RSVP Las Vegas is your trusted partner in direct mail marketing success. Contact them at (725) 333-8660, and their knowledgeable team will be ready to assist you.

Experience the power of effective direct mail marketing with RSVP Las Vegas. Trust their expertise and enjoy the benefits of reaching your audience directly. Visit their website or give them a call today to start your next successful marketing campaign with RSVP Las Vegas, your premier direct mail postcard service in Las Vegas

In the latest episode of Vegas Business Spotlight, Craig Murrin, Founder of Black Point Capital Partners, discusses his journey in the financial planning sector and the unique challenges and opportunities he has encountered in serving the British community in America. The episode sheds light on the importance of understanding the financial footprint of Brits living in the United States and offers valuable insights for those seeking expert advice in navigating their financial planning needs.

Vegas Business Spotlight, the podcast that illuminates the vibrant business landscape of Las Vegas, is proud to feature Craig Murrin, Founder of Black Point Capital Partners, in its latest episode. Host Tim Nifton engages in an in-depth conversation with Murrin, exploring his extensive experience in the financial planning sector and his deep understanding of the unique needs of Brits residing in the United States.

Originally from Bristol, UK, Murrin has had a diverse and successful career in the financial planning industry. With a global reach and wealth of experience, he brings a different level of expertise to the table. Murrin’s international background and work with expats in the Middle East have equipped him with a deep understanding of the challenges faced by Brits living in America.

Murrin’s passion for helping Brits understand their British financial footprint in the US sets him apart from other financial advisors. He specializes in guiding clients through the complexities of managing their British pensions, investments, and retirement plans while living abroad. Murrin’s expertise fills a crucial gap in the market, ensuring that Brits receive tailored financial advice that takes into account their unique circumstances.

One of the key insights Murrin shares in the episode is the importance of networking. He emphasizes the value of building meaningful relationships and actively seeking opportunities to help others. Murrin believes that networking is essential for business growth and advises entrepreneurs to focus on giving selflessly. By genuinely listening to others’ needs and actively seeking ways to assist, entrepreneurs can expand their network and create valuable connections.

Murrin’s commitment to giving back extends beyond his professional endeavors. He actively supports animal welfare organizations, with a particular focus on the Nevada SPCA. Murrin believes in being the voice for animals and ensuring they receive the care and support they need.

Reflecting on his own journey, Murrin shares a mantra that has guided him throughout his career: “No matter what happens, every day will keep coming, and you’ve just gotta rise above it and work through it.” This positive outlook has helped him overcome challenges and maintain a resilient mindset.

In addition to his financial planning services, Murrin is excited to announce an upcoming webinar on November 11th, which will focus on helping clients reduce future taxes. The webinar aims to provide a platform for individuals to ask questions and gain valuable financial planning insights. Murrin’s dedication to educating and assisting his clients sets him apart as a trusted advisor in the industry.

The Vegas Business Spotlight podcast continues to bring the brightest minds and success stories from Las Vegas’ bustling business scene. Listeners can expect to be inspired by the stories of entrepreneurs who have turned dreams into reality on this iconic stage. To listen to the full episode featuring Craig Murrin and gain valuable insights into financial planning for Brits in America, visit Vegas Business Spotlight’s website or subscribe to the podcast on your favorite platform.

https://www.blackpointcp.com/

About Vegas Business Spotlight:
Vegas Business Spotlight is a podcast that explores the vibrant business landscape of Las Vegas, featuring interviews with entrepreneurs, industry leaders, and success stories from the city. Hosted by Tim Knifton, the podcast offers valuable insights, strategies, and inspiration for businesses and individuals looking to make their mark in the City of Lights.

About The Show Sponsor:
“Vegas Business Spotlight” podcast is proudly sponsored by RSVP Advertising Las Vegas, your premier direct mail postcard service in the heart of Las Vegas. With a commitment to delivering outstanding results and effective marketing solutions, RSVP Las Vegas specializes in helping businesses connect with their target audience through direct mail.

Visit their website at RSVPLasVegas.com to explore the range of direct mail services they offer. From designing eye-catching postcards to precisely targeting your desired audience, RSVP Las Vegas has your direct mail marketing needs covered. Their team of experts is dedicated to helping your business make a lasting impression and drive results.

Whether you’re launching a new marketing campaign, promoting a special offer, or aiming to boost brand awareness, RSVP Las Vegas is your trusted partner in direct mail marketing success. Contact them at (725) 333-8660, and their knowledgeable team will be ready to assist you.

Experience the power of effective direct mail marketing with RSVP Las Vegas. Trust their expertise and enjoy the benefits of reaching your audience directly. Visit their website or give them a call today to start your next successful marketing campaign with RSVP Las Vegas, your premier direct mail postcard service in Las Vegas

ttps://www.rsvpadvertising.com/las-vegas

At the helm of Revision Home Team stands Alicia Dibrell, a 26-year veteran in the real estate industry. Renowned for her integrity and commitment to client satisfaction, Alicia ensures every homeowner receives the highest level of service and support throughout the process.

Stress-Free Solutions for Any Scenario:

Whether dealing with a distressed property, facing foreclosure, navigating a divorce, or simply seeking a fresh start, Revision Home Team offers custom solutions built around the specific needs of the homeowner. They take the time to understand the goals and timeline, ensuring every step of the process is clear, transparent, and supportive.

Your House, As-Is:

Leave the worry of costly repairs and renovations behind. Revision Home Team specializes in purchasing houses in any condition, saving homeowners time, money, and the hassle of staging and prepping their property for traditional market listings.

Zero Hidden Costs:

Transparency is their guiding principle. Forget realtor commissions and hidden fees. The offer presented is the final amount the homeowner will receive at closing, empowering them to maximize their profit and move forward with confidence.

Your Timeline, Your Terms:

Homeowners are in control. Revision Home Team understands that selling a home requires careful planning and consideration. That’s why they offer flexible closing dates, allowing homeowners to choose the pace that best aligns with their individual needs and circumstances.

Your Well-Being at Heart:

While the business revolves around buying houses, the true focus is on the well-being of homeowners. Revision Home Team believes in creating win-win scenarios, even if that means not buying the property. Their commitment to the best interests of homeowners has earned them the trust and gratitude of homeowners nationwide.

Backed by a Team of Experts:

Alicia is not alone in her dedication to exceptional service. Alongside her stands a dedicated team of real estate professionals, financial advisors, and legal experts. Each team member brings their specialized skills to the table, ensuring homeowners receive comprehensive support and expert guidance every step of the way.

Ready to Make a Move?

Homeowners are encouraged to contact Revision Home Team today for a confidential conversation about their situation. Let Alicia and her team guide them through this transition with empathy, transparency, and practical solutions tailored to their unique needs.

Website: Revision Home Team

Contact: 210.972.7600

Millionaire business owner and money mentor Siam Kidd is passing on some of his wisdom in a two-day workshop called ‘Nailing Life’. 

Siam currently runs six businesses and teaches others how to build their own wealth through the Wealth Action Plan. The former RAF pilot also works as a full-time trader and created The Realistic Trader to give people honest advice about how to trade in crypto and grow their portfolio. 

Those attending the Nailing Life workshop will learn how to successfully launch and grow their business as well as how to properly set goals, get leads and sales and keep customers happy. The two-day event will be held at a venue in Wyboston, Bedfordshire from 10am to 6pm on February 9 and 10. 

Siam, who comes from Norwich, says: “This is a unique one-off event which I won’t be doing again. There’ll be zero selling and zero padding, just me teaching entrepreneurs the things they really need to know to be a success. 

“Topics will include why goal setting is done badly and how to properly set and smash goals, And I will be giving those who attend a vital business set up checklist covering everything which needs to be done to successfully launch and grow a business.” 

The 37-year-old, who built his own fortune by growing and selling businesses and investing the profits, will talk about finances, investing and how people can properly set up a crypto portfolio to help them grow their wealth. Siam will also teach people about how they can make the most money when they decide to sell their business.

Siam adds: “When it comes to success, background knowledge, skill and qualifications mean nothing – it’s all about attitude, tenacity and relentless perseverance in the endless battle of adversity. If you’re a determined go-getter, Nailing Life is for you.” 

The cost of attending the workshop is £250 and this includes a hot lunch and refreshments on both days and an opportunity to socialise with like-minded entrepreneurs. 

To find out more or book a place, visit https://www.thewap.org/nailing-life/ 

In this practical guide, he addresses:

• Envisioning and realizing your unique success story.
• Confronting fears, suspicions, and hidden threats head-on.
• Harnessing the true value of your business with innovative tools like “Today’s VAL.”

Perillo delivers unparalleled insights backed by $285 million in sales in just two years. Whether you’re navigating business sales or aiming to dominate your niche, this book is your compass. Join the ranks as a Sharkpreneur and turn your vision into a reality.

Business Intermediary Gerard Perillo releases a new book titled “Sharkpreneur: Bite-Sized Strategies for Selling Your Business With the Shark Team” on Amazon.

“A Sharkpreneur is a savvy business owner who navigates the turbulent waters of entrepreneurship with the precision and agility of a shark. Harnessing keen instincts, a Sharkpreneur anticipates market shifts, capitalizes on opportunities with swift decisions, and confidently tackles challenges head-on,” says Perillo.

“Most business owners’ vision of success includes a substantial financial return, but its value often extends beyond monetary terms. My clients often desire personal fulfillment, improved quality of life, and an opportunity to contribute meaningfully to their communities. To them, success means personal growth, increased resilience, and a healthy work-life balance.”

The book can be purchased on a special flash sale this week at: https://www.amazon.com/dp/B0CPCFRZ9V

To learn more, visit: https://sharkteam.com.

About Gerard Perillo: Gerard Perillo has been valuing and selling businesses for more than 20 years. He has sold hundreds of businesses that total $510 million in closed transactions in his career, with $285 million sold in the last two years. Gerard is a Certified Business Intermediary (CBI) credentialed through the International Business Brokers Association (IBBA) and is a Business Certified Appraiser (BCA), which uniquely qualifies him as an SBA appraiser. His credentials distinguish him from other business brokers in that he does not understate or overstate the valuation of a business. During 2020, Gerard developed the first business valuation software that integrates with Intuit QuickBooks called Today’s VAL and is considered an industry expert in the valuation of a business. Gerard brought his Shark Team to eXp Commercial Business Brokerage division in October 2021. He is Co-Vice Chair of the eXp Business Brokerage Committee, developing the guidelines and procedures to sell businesses in all 50 states.

Jeff Brummett discusses avoiding subtle risks to success in retirement. 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jeff-brummett-financial-advisor-with-greenline-financial-services-subtle-risks-to-our-success-in-retirement/

In this episode, Jeff Brummett shares a personal story about a difficult period in his life following the financial crisis and credit collapse of 2008. In the aftermath, Jeff lost his highly successful two-time Inc.500 business, followed by the loss of his marriage, and eventually even his home.  Feeling deeply depressed and at rock bottom during this challenging time, Jeff Brummett’s parents, especially his father, played a significant role in challenging his son’s perspective on the measure tr, wealth, personal honor, and respect.

Jeff Brummett’s father sat him down for a heartfelt conversation and delivered a powerful message. While acknowledging Jeff’s right to feel depressed given the circumstances, the father reminded them that this was not how he was raised. He emphasized the definition of true integrity, urging Jeff not to give up or lose self-honor and respect. This direct and honest conversation served as a wake-up call for Jeff Brummett, leaving a profound impact on his mindset.

Realizing that he had the power to change his perspective and take control of his life again and motivated by that “Come to Jesus” talk delivered by his father, Jeff Brummett began studying Wall Street and the investment banking system which had seemingly collapsed almost overnight catching the Federal Reserve and financial expert’s completely off guard. This study led Jeff Brummett on a fascinating path of discovery and served as the foundation for his founding Green Line Financial Services as well as the publishing of his 2018 Amazon bestseller, The Worthless IRA: How to Keep Wall Street and Uncle Sam From Getting Their Greedy Little Fingers On Your Hard Earned Money. 

In another part of the episode, Jeff discusses the confusing terminology used in the financial world. He highlights the word “security” as an example. While in everyday life, “security” refers to safety and feeling secure, in finance, it refers to products or strategies involving risk and volatility. This disparity in language can lead to miscommunication between financial advisors and their clients. Jeff Brummett and Mike Saunders stress the importance of individuals educating themselves and asking questions to fully comprehend financial concepts and strategies.

Jeff Brummett values guidance from individuals who have faced and overcome their own challenges. He believes that a guide, mentor, or guru should have “battle scars” and have experienced pain and failure. He seeks someone who can share their personal experiences, having hit rock bottom, conducted research, and identified trends to navigate difficult situations. Learning from someone who has emerged stronger from challenging experiences can provide valuable insights and help avoid repeating the same mistakes.

Jeff shared: “My team and I take the time to educate each client as to how the game is played. We customize that educational process to fit your individual goals, concerns, and financial capacity. No smoke and mirrors. Only hard facts and proven financial strategies have weathered even the most volatile of hard times.”

About Jeff Brummett

Jeff is an Amazon #1 best-selling author, past two-time Inc. 500 Company president, public speaker, popular radio talk show host, and a 25-year executive management and entrepreneurial leader. He is one of the most prolific and sought-after financial public speakers for tax-efficient retirement planning.

“My team and I take the time to educate each client as to how the game is played. We customize that educational process to fit your individual goals, concerns, and financial capacity. No smoke and mirrors. Only hard facts and proven financial strategies have weathered even the most volatile of hard times.”

Learn More:
https://www.greenlinefinancialservices.com/

An online community designed to teach people how to grow their wealth through investing and trading is celebrating a landmark birthday with a special event. 

Money mentor Siam Kidd started The Realistic Trader in October 2013 because he was keen to pass on his wisdom and give people honest advice about how to trade in crypto and grow their portfolio. Ten years later, the friendly online community is still going strong and Siam is holding a social event where people can learn about macroeconomics, trading, and crypto to mark the occasion. 

The Realistic Trader 10th anniversary CUDL is being held in Wyboston, Bedfordshire, on Saturday, November 18. The events are usually for Realistic Trader members only but for the first time, tickets are available to the public. 

Siam, who runs six businesses and has become a millionaire through crypto trading, says: “Every two months, the Realistic Trader community meets up for a day of socialising and learning but as this is such a special occasion, we’re opening it up to the public. It will be a day of pure content with absolutely no selling at all because I hate that. 

“Trading and investing are vital financial skills and yet so many people don’t spend any time learning them. The Realistic Trader helps people learn how to achieve financial independence for themselves and busts many of the myths and misunderstandings, which surround the world of crypto trading.” 

The 10th-anniversary event will start at 10am with educational talks from Siam and guest speakers on topics including tax, trading, and business. The ticket includes lunch and dinner and after 6pm, there will be an opportunity to socialise and meet other people interested in wealth generation, investing, and trading. 

Tickets are £120 or free for members of The Realistic Trader community and you can book a place at https://portal.siamkidd.io/cudl-public/ 

Siam was originally an RAF pilot before he gave up his military career to become a full-time trader. In the first six years, he admits to making every trading mistake in the book but once he learned to trade successfully, he was keen to help others avoid making the same errors he did. 

He adds: “I was fed up with charlatans promoting get-rich-quick schemes so I set up Realistic Trader to be the most genuine and ethical financial education company out there. The reality is one can’t become financially independent in a year, it’s a five-to-10-year journey of constantly failing and improving, not a magic success bullet.” 

In a financial landscape marked by record-high interest rates and an escalating cost of living crisis, Manuka Media, a leading personal branding and boutique digital marketing agency, is stepping forward to empower financial advisers and mortgage brokers. The agency’s newly launched book, “Social Media Guide for Mortgage Brokers,” authored by Rosalia Lazzara-Tilley, is set to provide much-needed guidance and motivation for finance professionals to thrive during these challenging times.

Rising Rates and the Cost of Living Crisis Interest rates are currently at their highest levels in recent history, placing significant pressure on borrowers and homeowners alike. Coupled with the ongoing cost of living crisis, individuals and families are grappling with financial challenges that demand expert guidance.

Clients are increasingly turning to their trusted advisers for support and information to navigate these turbulent waters. Financial advisers are now, more than ever, expected to be the “fountain of knowledge” and the primary source of information for their clients.

Rosalia Lazzara-Tilley, the visionary founder and CEO of Manuka Media, underscores the pivotal role of advisers in the current economic climate: “Currently, the rates are the highest they have ever been, and combined with the cost of living crisis, clients need their adviser more than ever before. Advisers need to be at the forefront of their client’s mind, providing help and support.”

Property Experts as Motivators and Informants In the realm of real estate, property prices are on an upward trajectory, presenting both opportunities and challenges for investors and homeowners. In times when established investment strategies may no longer be as effective, property experts are guiding clients through these market fluctuations.

Property experts, including landlords, property managers, and property finance specialists, play a vital role in keeping clients motivated and informed. They work through challenging times, offering alternative approaches to building successful property strategies.

In a climate where first-time buyers and investors may be feeling discouraged due to negative press and news, property experts become sources of optimism. They provide guidance, share insights, and offer practical solutions to help individuals regain confidence and navigate the complexities of the property market.

Rosalia Lazzara-Tilley comments, “Property experts play a key role in motivating people and keeping their spirits high in a market when property prices are going up, and perhaps strategies aren’t stacking up. Property experts need to keep their clients engaged and informed by working through challenging times and giving them alternative ways to keep building their strategies.”

“Social Media Guide for Mortgage Brokers”: Empowering Finance Professionals In the midst of these economic challenges, Manuka Media is launching its groundbreaking book, “Social Media Guide for Mortgage Brokers,” scheduled to debut on Amazon on October 17th. This comprehensive guide is designed to equip financial advisers with the tools and strategies needed to harness the power of social media effectively.

Rosalia Lazzara-Tilley believes that social media should serve as a digital stage for advisers to inform and educate their clients. She states, “I’m on a mission to help make financial services more human and to make money & property more accessible to the everyday consumer.”

What sets this book apart is its practical approach. Rather than merely discussing the theory of social media marketing, it takes readers on a journey from mindset and understanding to actionable tactics and common practices. The strategies and activities included have been tried and tested by financial professionals, delivering excellent results and financial gains.

With her extensive experience in various aspects of finance, including commercial finance, bridging finance, residential mortgages, and more, Rosalia Lazzara-Tilley brings a unique advantage to her readers. Her book aims to inspire UK mortgage and protection advisers, as well as other finance professionals, to embrace social media as a powerful income-generating tool.

The Mission of Manuka Media and Rosalia Lazzara-Tilley The primary goal of “Social Media Guide for Mortgage Brokers” is to empower finance professionals and property experts to enhance their online presence and connect with their target audience effectively. Rosalia Lazzara-Tilley’s mission is to help these professionals shape the future by leveraging the digital arena to educate and empower society.

Rosalia emphasizes, “I empower you to embrace your brand and use your voice to inspire your connections to take control of their financial wellbeing and security. My mission is to create as many financial educators and influencers as possible to help make financial services more human and money more accessible to everyday society.”

Manuka Media’s book launch aligns with this mission, aiming to reach thousands of advisers and professionals, helping them level up and become more influential on social media. The insights provided in the guide bridge the gap between individuals and a thriving social media presence.

As financial advisers and property experts take center stage to guide and motivate clients amidst economic challenges, “Social Media Guide for Mortgage Brokers” by Manuka Media offers a practical roadmap for success. In a world where financial knowledge and empowerment are more critical than ever, this book provides the tools needed to make a lasting impact.

For more information about Manuka Media and the book launch, please visit Manuka Media’s WebsiteManuka Media’s Website.

Dubai, UAE – 9/28/2023– BINE INTERNATIONAL is thrilled to announce the highly anticipated Dubai Investment and Networking Event (DINE 2023), scheduled to take place at the luxurious JW Marriott Marquis Hotel on December 16, 2023. This prestigious event is poised to facilitate investment and collaboration among companies and industries, with a special focus on bolstering small and medium enterprises (SMEs) under the theme “Growing Businesses through Investment Collaboration.”

DINE 2023 is set to create a dynamic business ecosystem, benefiting both local and international entrepreneurs, while reaffirming its strong commitment to supporting SMEs and recognizing their pivotal role in driving economic growth and innovation. The event aims to provide SMEs with a platform to connect with potential investors, expand their networks, and explore new growth opportunities, ultimately catalyzing economic development, creating job opportunities, and fostering a sustainable business environment.

Highlighting various investment opportunities in sectors such as technology, energy, infrastructure, agriculture, and tourism, DINE 2023 will bring together entrepreneurs, investors, and decision-makers from both regions. The event’s emphasis on networking and fostering meaningful business relationships will be a key feature, with interactive sessions designed to facilitate connections and collaborations, enabling participants to engage with industry leaders, experts, and policymakers to exchange ideas and best practices.

DINE 2023 boasts a diverse lineup of industry experts and thought leaders who will share their insights on investment strategies, market trends, and innovative business models. Guided by a shared vision for growth, these sessions will inspire attendees to think beyond boundaries and explore new avenues for business development. By promoting innovation and thought leadership, DINE 2023 aims to ignite a spirit of entrepreneurial excellence and propel business growth.

The Dubai Investment and Networking Event (DINE) 2023 stands as a testament to the unwavering commitment to fostering a thriving business ecosystem that benefits all. Through collaborative efforts, investment opportunities, and networking, DINE 2023 is dedicated to supporting SMEs and driving strategic investments. With the stage set for this groundbreaking event on December 16, 2023, entrepreneurs, investors, and industry leaders are eagerly anticipating an inspiring and transformative experience at DINE 2023.

For registration and further information, please visit https://www.bineint.com/register.

Arlena Conner has joined CrossCountry Mortgage, LLC as Regional Vice President. In her new role, Conner is actively recruiting loan officers, teams of loan officers, and existing branches to partner with CrossCountry Mortgage throughout the United States. CrossCountry Mortgage has a history of providing consumers with exceptional lending experiences and is expanding its network of branches across the nation.

Conner brings a wealth of experience to her position as Regional Vice President. She has a background as an entrepreneur and has recruiting expertise in a variety of industries. Her focus for the past two years has been in national talent acquisition, specifically in the mortgage lending industry. With a keen eye for identifying top talent and a passion for building successful teams, Conner is dedicated to attracting loan officers that are committed to delivering exceptional service to their clients.

JJ Mazzo, Executive Vice President of CrossCountry Mortgage and Senior Mortgage Coach at The CORE(TM) Training, expressed his excitement about Conner joining the team, stating, “We welcome Arlena Conner in her new role with CrossCountry Mortgage. We are expanding across the nation, with the objective of offering our industry-leading customer service and innovative systems to benefit more consumers as well as the loan officers within our Company. She is helping us acquire exceptional talent so we can continue our growth trajectory.”

Conner said, “I am thrilled to be joining CrossCountry Mortgage. All of our loan officers have access to best-in-class execution systems that get loans closed quickly and efficiently as well as coaching to help grow their business. We have a 10-day close guarantee for some situations and over 50% of our monthly purchase fundings close in less than 15 days, a great benefit for our clients.”

Arlena Conner can be contacted directly at 949-205-5444 or Arlena.Conner@CCM.com. For more information about CrossCountry Mortgage, visit www.CCM.com.

Tim Dern discusses the most important things to consider when choosing when to start claiming Social Security. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-tim-dern-retirement-income-certified-professional-managing-partner-w-mana-financial-group-discussing-social-security/

When it comes to deciding when to claim Social Security benefits, several important factors should be considered. Age is a significant factor in the decision-making process, as it can affect how much people are eligible to receive, when, and for how long. The income before retirement will also impact benefits; higher earners will receive more monthly payments than lower earners. Having enough savings or other sources of retirement income can significantly influence when someone decides to claim their benefits – if they have sufficient funds, it may make sense to delay claiming Social Security until later in life.

People’s current health status and life expectancy are also important factors in determining whether they should start receiving Social Security benefits sooner rather than later. Suppose they have a medical condition that will limit their life expectancy. In that case, they may benefit from claiming Social Security earlier to ensure they receive payments for as long as possible.

Delaying Social Security benefits can be beneficial in some cases, such as when people are healthy and have a longer life expectancy. Delayed benefits increase yearly until age 70, so waiting could result in larger monthly payouts. However, this is not always the best option – if people have financial constraints or other time-sensitive needs, claiming benefits early may be a better solution.

Ultimately, deciding when to claim Social Security comes down to individual circumstances and preferences. To help individuals make an informed decision on timing their retirement income, it’s important to understand the pros and cons of both early and delayed claims.

Tim said: “I help clients understand and plan for retirement with peace of mind and explain the new risk that retirees face and how to mitigate these risks. I also help create a plan that is simple and easy to follow”.

About Tim Dern

With decades of experience in the financial industry and as a 65 securities licensed professional, he brings a wealth of expertise to his clients. Unlike traditional broker-dealer models, his fee-based approach puts you first. He leads a private wealth team, offering top-notch asset management services with a focus on retirement strategies.

As an RICP (Retirement Income Certified Professional), he is uniquely skilled in creating customized plans that maximize your income during retirement. His impressive portfolio includes AUM, Fixed Index Annuities, IUL, Medicare Supplements, Advantage & Drug Plans, and more.

But what truly sets him apart is his dedication to education. As an NSSA (National Social Security Advisor), he offers educational seminars on social security, Medicare, proper asset allocation, Roth conversion, and tax-saving strategies. And for those unable to attend in person, he hosts online webinars nationally – using Facebook ads to reach a wider audience.

With his unparalleled knowledge and commitment to your financial success, he is ready to help you plan for a secure future. Contact us today to schedule a consultation and experience the difference for yourself.

Learn More: https://www.manafg.com/

In a recent interview on ABC, Certified Financial Planner (CFP®) and author Debra L. Morrison expressed her concerns about the financial literacy narrative surrounding women and minorities, particularly mature women. She advocates for a more nuanced, understanding approach that addresses the systemic inequities of the financial industry and focuses on building financial confidence rather than victim-blaming.

Morrison, a Certified Grief Coach and international motivational speaker, is well-known for her commitment to empowering women financially, regardless of their circumstances. With over four decades in the financial industry, she has consistently observed a pattern that concerns her.

“Many mature women, especially those from minority groups, have experienced pay inequities over the decades. To be told, often by white male financial pundits, that they just need to become financially literate to solve their problems smacks of blaming the victim,” Morrison says.

Morrison argues that financial literacy alone cannot address the systemic inequities present in the financial industry. She believes that women require trustworthy and unbiased sources of information to get timely answers to their financial questions.

“Women need answers to their financial questions as we have them, not a prescription to ‘read up’ for yet more decades,” she asserts.

Reflecting on the current financial landscape, Morrison pointed out the significant damage done to women as a result of being sold unsuitable, commission-rich products, as well as the absence of critical financial planning, that women need. She heralds the value of an unbiased source, like a Financial Coach or Fee-Only CFP® with no commission-conflict-of-interest, to provide strategies for women to achieve their goals.

Morrison, who holds a Master’s Degree in Retirement Planning and is an Accredited Estate Planner, emphasizes the importance of women forgiving themselves for past missteps and cultivating self-confidence.

“When women have made a financial misstep, they’re often paralyzed, sometimes for decades. I want to uplevel their self-confidence, forgive past missteps, and face forward in the direction of financial empowerment.”

To aid women in their financial journey, Morrison has outlined a “jumpstart checklist” to trigger awareness around tax, insurance, risk management, budgeting, estate planning and investments.

The checklist has helped hundreds of women identify what areas in their financial plan needs attention. Morrison encourages women to shift their focus from the fluctuations of their 401(k) balances to creating a broader, more comprehensive financial plan, establishing systematic investments to match their goals, while minimizing income taxes, allowing compounding to work for them.

For more information or to access Debra L. Morrison’s services and tools, visit Women Navigating Finances (www.WomenNavigatingFinances.com) or email Team at Team@WomenNavigatingFinances.com.

Brent Hines discusses Financial Wellness and how Financial Professionals can harness this movement to better serve their clients. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-brent-hines-co-founder-and-chief-development-officer-of-the-foundation-for-financial-wellness/

Financial wellness is rooted in a methodology that focuses on a person’s total well-being. It brings together disciplines found in wellness, coaching, psychology, and most importantly, the behavioral sciences. In today’s complex economic environment, achieving and maintaining financial security can be difficult without taking proactive steps to improve one’s financial well-being. Financial wellness aims to help individuals manage their finances proactively so they can experience greater peace of mind and stability in all aspects of their lives.

Brent explained: “Financial professionals are now learning how to play a critical role in helping their clients achieve financial well-being by providing guidance and support through various strategies such as financial education, private counseling, and technology solutions. A well-trained financial professional looks, sounds, and acts more like a professional coach than a traditional financial advisor.”

Anyone in the financial industry has likely experienced how the financial wellness industry is growing fast and furious, often resembling a modern-day version of the wild west, as everyone seems to be using the term “Financial Wellness”, but not being consistent in what exactly it means. Candidly, far too many professionals in the financial world are simply using the term to try and pitch more of their products or services.

The Foundation for Financial Wellness is an advocate for the financial professional who is looking to establish a new standard level of excellence as a Financial Wellness Professional.

About Brent Hines

What do you do when life’s advantages disappear? Brent Hines knows firsthand the overwhelm and frustration that comes from years of searching for the formula of a high-performing life.

In July of 2008, Brent lost everything, and the worst part…it was his fault. His career, his dreams, his identity, and his future disappeared overnight.

Today, Brent is an advocate for the financial industry, financial professionals, and especially the clients they serve by sharing his motivational redemption story. Brent is one of the industry’s most prominent voices in establishing a financial wellness standard, and a high one at that.

Brent’s mission is to re-educate the marketplace on what is and is not Financial Wellness. Brent and his educational non-profit, Foundation for Financial Wellness are driven to improve millions of people’s lives with a values-driven purpose. Brent’s stance is clear: when he says Financial Wellness…he means both words.

Learn more: https://ffwpro.com/

Renée Kennedy discusses how to prepare for taxes in retirement. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-renee-kennedy-president-of-aaa-life-solutions-discussing-how-taxes-impact-retirement/

Taxes are an unavoidable part of life, but luckily, many options are available to help prepare for taxes in retirement. To ensure that people have the best possible plan in place for tax season, it’s important to start planning now.

Renée explained: “One of the best ways to prepare for taxes in retirement is to take advantage of various types of retirement savings plans, such as a 401(k), IRA, Roth IRA, Roth 401(k), SEP/SIMPLE IRA, or other accounts. Not only do these plans provide a way to save and accumulate money over time, but they also offer significant tax benefits. It’s important to understand the different implications with each type of account – some are tax-deferred, while others offer tax-free income.”

Another way to prepare for taxes in retirement is to take advantage of various tax benefits designed specifically for seniors. For example, the Savers Credit provides a tax credit of up to $1,000 annually for low and moderate-income workers saving for retirement. The Earned Income Tax Credit is available to senior citizens with limited incomes and other deductions like property tax exemptions or medical expense deductions that can help reduce annual taxes owed.

By considering each of these options when preparing for taxes in retirement, people will be able to get the most out of their savings and find ways to minimize their overall tax burden. It’s important to start planning now so they can be well-prepared come tax season.

With the proper guidance and foresight, individuals can create a comprehensive retirement plan that works best for their unique financial situation.

About Renée Kennedy

Renée Kennedy brings over 20 years of industry experience to the table. Her priority is always her clients and their financial stability, which is why she listens to their objectives and designs innovative, personalized strategies that meet their unique needs. Her focus is on customizing employee benefits plans for businesses to reduce or eliminate costs, while offering tax savings. She also specializes in life insurance strategies, 401(k) rollovers, and more to help individuals and businesses build tax-free retirements, secure long-term care and death benefits, and more.

At AAA Life Solutions, they always put clients first, with excellent customer service and up-to-date insurance strategies tailored to their individual needs. They do their due diligence to ensure that they make the right decisions for their clients, knowing that their choices will affect them for a lifetime.

Learn More: https://aaalifesolutions.com/

Recent News and Interviews:

Discussing Weathering the Financial Storms of Life

https://authoritypresswire.com/renee-kennedy-president-of-aaa-life-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-weathering-the-financial-storms-of-life/

Guy McCord discusses the top myths of life insurance. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-ft-worth-financial-professional-guy-mccord-mba-discussing-the-myths-of-life-insurance/

Life insurance is a crucial financial tool that can support people’s loved ones in case of their untimely demise. However, many myths surrounding life insurance can prevent people from taking the necessary steps to protect their families. Here are the top 3 myths of life insurance:

• Life insurance is only for older adults: This is one of the most common myths surrounding life insurance. Many young people believe they don’t need life insurance because they are young and healthy. However, the truth is that life insurance is important for people of all ages, especially if they have dependents who rely on their income.
• Life insurance is too expensive: Another common myth is that life insurance is too costly and only for the wealthy. However, life insurance costs depend on many factors, including age, health, and the amount of coverage people need. In many cases, life insurance can be affordable and provide peace of mind for the loved ones left behind.
• People don’t need life insurance if they have savings: Guy explained: “While having savings is important, it may not be enough to provide financial security to your loved ones after your death. Life insurance can provide a lump-sum payment to your beneficiaries, which can help cover expenses such as funeral costs, debts, and living expenses.”

In conclusion, life insurance is an essential financial tool that should not be overlooked or dismissed due to common myths. It’s important to speak with a qualified insurance agent to determine the best coverage options for an individual’s needs.

About Guy McCord

Guy McCord lives in the Dallas/Ft. Worth area with his lovely wife of 30 years, Patricia, and their son, Andrew, who will soon be a senior in high school.

Growing up in Plano, Texas, his grandparents were his heroes. One of his grandfathers served in Germany US Army and received a Purple Heart. His other grandfather was a West Texas rancher and worked for 40 years as a rural mail carrier. Guy’s grandmothers were steadfast in their faith.

Guy has served in staffing as CMO, logistics and commercial building maintenance as both a CFO and CEO. He has also served many small businesses in consulting.

Guy is a retired Texas rugby referee and serves Dallas County as Presiding Election Judge. After earning his MBA in 2007, he authored 7 articles. He supports the Monastery of the infant Jesus of Prague and St. Joseph.

His faith is his foundation, and he lists Jesus, Mary, Joseph, his wife, his son, and his great friends among the most important things in his life.

By structuring client retirement money to minimize taxes, safeguard against market losses and allow for upside gains while allowing for lifetime income.

Learn More: https://guymccord.com/

Recent News and Interviews:

Discussing Annuities

https://authoritypresswire.com/ft-worth-financial-professional-guy-mccord-mba-interviewed-on-the-influential-entrepreneurs-podcast-discussing-annuities/

Rick Sechler discusses the factors to consider when planning for healthcare in retirement. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-rick-sechler-cfp-founder-of-usa-retirement-solutions-discussing-managing-healthcare-costs-in-retirement/

Retirees face a variety of healthcare-related expenses during their golden years. It’s important to plan ahead to ensure that their finances are in order and they have the resources available to cover any medical costs that may arise.

Rick explained: “The first step in planning your healthcare expenses is understanding the various available healthcare plans. Traditional Medicare provides coverage for seniors 65 and over, while other plans like Medigap (Medicare Supplements or Medicare Advantage provide additional coverage. Depending on your age, current health, family history, geographic location, and budget, there are a variety of plans available for you to choose from.”

Understanding how much each plan will cost over time is essential. Individuals should consider not just premiums but also out-of-pocket costs like deductibles, copays, and coinsurance and research the plans available in their area to see which ones offer the most comprehensive coverage at an affordable price.

Finally, people can take a few practical steps to minimize their healthcare costs, like staying up-to-date on preventative care by scheduling regular checkups and screenings with their primary care physician. This will help detect potential health issues that may arise so they can be addressed quickly and cost-effectively. Additionally, they should review their bills and look for errors or unnecessary charges that could cost them money.

Long-term care insurance is another option for retirees looking to manage their healthcare expenses. It provides home health care, assisted living, and nursing home care coverage.

By planning and understanding the available options, people can ensure they have the resources to manage their healthcare costs during retirement. They must take some time to review all of the variables outlined above and compare different plans to ensure that they find the coverage that’s right for them.

With proper planning, people can ensure their golden years are filled with financial and physical health.

About Rick Sechler

Rick Sechler is a Certified Financial Planner who truly appreciates the opportunity to serve clients planning for and enjoying their retirement.

Based on over 30 years of experience and the ability to listen for the nuances that make every situation different, he believes in a collaborative process that results in solutions developed by gathering information that integrates personal and financial circumstances and goals. Communication is the most important ingredient to developing the plan that is right for you.

Learn More: https://usaretirementsolutions.info/

Recent News and Interviews:

Discussing Medicare Supplement plans

https://authoritypresswire.com/rick-sechler-cfp-founder-of-usa-retirement-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-medicare-supplement-plans/

Discussing the advantages of fixed-indexed annuities compared to other income-generating choices

https://authoritypresswire.com/rick-sechler-cfp-founder-of-usa-retirement-solutions-interviewed-on-the-influential-entrepreneurs-podcast/

Renée Kennedy discusses how Long-Term Care expense impacts retirement. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-renee-kennedy-president-of-aaa-life-solutions-discussing-weathering-the-financial-storms-of-life/

Renée explained: “Long-term care expenses can greatly impact retirement planning. It is important to consider the potential costs associated with long-term care when making financial decisions during your working years. These expenses can include professional health services, personal care services, and custodial care provided in nursing homes, assisted living facilities, or even at home. In addition, they could include any related medical supplies and prescription drugs needed to manage the condition of an elderly person.”

The cost of long-term care can vary significantly depending on where people receive it and how much they need. Many people are surprised by how quickly long-term care expenses add up over time; some estimates suggest that these costs could consume 25% or more of a retiree’s income each year. Therefore, it is essential to factor in the potential need for long-term care when preparing for retirement and look into ways to reduce costs or plan ahead financially.

Additionally, many life insurance policies offer an accelerated death benefit rider that can provide funds specifically for long-term care expenses. This type of policy allows people to use a portion of their life insurance death benefit while still alive if they become incapacitated due to age or serious illness. Over recent years, there have been significant advances in long-term care planning; consulting with a financial advisor may help someone identify the most appropriate options.

Understanding how long-term care expenses can impact retirement is essential for making responsible financial decisions. Taking the time to research options and plan ahead can help ensure that people are prepared if long-term care becomes necessary, saving them from costly surprises later on.

About Renée  Kennedy

Renée Kennedy brings over 25 years of industry experience to the table. Her priority is always her clients and their financial stability, which is why she listens to their objectives and designs innovative, personalized strategies that meet their unique needs. Her focus is on customizing employee benefits plans for businesses to reduce or eliminate costs, while offering tax savings. She also specializes in life insurance strategies, 401(k) rollovers, and more to help individuals and businesses build tax-free retirements, secure long-term care and death benefits, and more.

At AAA Life Solutions, they always put clients first, with excellent customer service and up-to-date insurance strategies tailored to their individual needs. They do their due diligence to ensure that they make the right decisions for their clients, knowing that their choices will affect them for a lifetime.

Learn More: https://aaalifesolutions.com/

Harmony Divorce Solutions is excited to announce the launch of their brand-new website, which provides clients with a one-stop-shop for their divorce financial planning needs. The website is designed to make it easy for clients to access the information and resources they need to navigate the complex financial issues that arise during a divorce.

Located in Fox Chapel, Harmony Divorce Solutions serves clients throughout O’Hara Township and the Pittsburgh metropolitan area. With the launch of their new website, clients can now access important information and resources from anywhere in the region.

The new website, located at https://www.harmonydivorcesolutions.com, features detailed information about the services offered by Harmony Divorce Solutions. Clients can learn about the benefits of working with a Certified Divorce Financial Analyst^TM, such as Mary Ann Ernette, and the alternative divorce resolutions available, such as mediation or collaborative divorce. The website also includes a contact page where visitors can schedule an appointment with Mary Ann or contact her directly.

According to Mary Ann Ernette, founder of Harmony Divorce Solutions, “Our new website is designed to provide clients with easy access to the information and resources they need to navigate the complex financial issues that arise during a divorce. We understand that divorce is a difficult time, and we are here to help clients create a plan for a financially stable future.”

The website also features important information about the Collaborative Law Association of Southwestern Pennsylvania (CLASP), an organization that promotes the use of the collaborative process is an alternative way to resolve legal disputes, including divorce. The collaborative process helps couples avoid court and encourages them to work together to reach a mutually beneficial agreement. The process involves a team of professionals, including lawyers, financial specialists, and mental health professionals, working together to help the couple reach an agreement that meets their needs. For more information about CLASP, please visit https://clasplaw.org.

Investment professionals associated with Harmony Divorce Solutions can be verified through FINRA’s BrokerCheck, which is available at https://brokercheck.finra.org/. Securities offer through LPL Financial member FINRA/SIPC.

Harmony Divorce Solutions is located at 1000 Gamma Drive, Suite 106, Pittsburgh, PA 15238. To contact Mary Ann Ernette directly, please call 412-874-5892 or send an email to maryann@harmonydivorcesolutions.com.

The launch of Harmony Divorce Solutions’ new website is an important step in providing clients with the resources they need to navigate the complex financial issues that arise during a divorce. With the help of a Certified Divorce Financial Analyst^TM and the alternative divorce resolutions available, clients can create a plan for a fair and equitable division of assets and a financially stable future.

Contact: Mary Ann Ernette

Phone: 412-874-5892

Email: maryann@harmonydivorcesolutions.com

Website: https://www.harmonydivorcesolutions.com

Location Info:
Harmony Divorce Solutions, LLC
1000 Gamma Dr # 106, Pittsburgh, PA 15238

David Royer discusses common IRA Tax Traps that can be avoided with the help of a trained professional to prevent costly and irreversible mistakes. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-david-royer-financial-advisor-and-educator/

Avoiding certain common IRA tax traps is essential to ensure retirement savings are preserved. Here are just some of the many mistakes that should be avoided:

1. Not taking required minimum distributions (RMDs) – RMDs are mandatory withdrawals from traditional IRAs and must begin after age 73. Failing to withdraw the correct amount or not withdrawing at all will result in a 25% penalty on the amount that should have been withdrawn.
2. Excessive contributions – There is a yearly maximum for contributions to an individual’s IRA based on age and income level. Contributing more than these limits may result in “excess contribution” penalty of 6%.
3. Early withdrawals – Early withdrawals or taking funds out of an IRA before age 59 and a half can result in large tax penalties. The 10% penalty does not apply to certain exceptions, such as first-time home purchases and medical expenses.
4. Failing to report Roth conversions – Converting money from a traditional IRA to a Roth IRA is usually done for tax purposes. However, if a Roth conversion is completed without properly reporting it to the IRS, the converted funds will be subject to income tax and may trigger a 10% penalty.
5. Mixing retirement accounts – Transferring funds between different types of IRAs (traditional and Roth) can lead to IRS confusion about which account should be taxed upon withdrawal. If the funds are not properly reported, they may be subject to additional taxes and penalties.
6. Not rolling 401k and other company plans to an IRA after retirement. There are several good reasons to contribute to 401k, 403b, TSP, and other sponsored plans. People can tax deduct their deposits and, in most cases, receive company matching funds. After they retire or have a change in service, the company matching funds are gone for good. That would be a good time to consider transferring the plan funds to a more flexible IRA. They can also eliminate the fees associated with the employer-sponsored plans.
7. Not knowing the new IRA rollover rules could result in immediate taxation. An indirect rollover occurs when the IRA owner receives a check from the current custodian and redeposits their personal check with the new custodian within the sixty-day limit. This can only be done one time in any twelve-month period. If an IRA owner does more than one “indirect” rollover in a twelve-month period, all other “indirect rollovers” within that twelve-month period will be fully taxable. Most account owners should consider making a direct transfer from the current custodian to the new custodian of their choosing. People can do as many direct transfers as they like without worrying about unnecessary taxes.

David explained: “By educating yourself on common IRA tax traps and taking the necessary steps to avoid them, you can protect your retirement savings from costly mistakes. Taking the time to understand the rules and regulations of IRAs can help ensure that your hard-earned money remains safe and secure for years to come.”

About David Royer

David F. Royer entered the financial services industry after completing his military obligation. He began studying the growing IRA Distribution market in 2002 and today he is a nationally recognized speaker and trainer in qualified plan distribution. He has trained thousands of financial advisors and agents in the discipline of qualified retirement plan accumulation and distribution. David’s many articles on IRAs, 401(k)s and other qualified retirement plans have been published in leading national financial periodicals. He is a frequent guest on financial radio shows and is also the author of “The Top 10 IRA Mistakes and How to Avoid IRA Tax Traps.”

Today he is focused on helping those who are retired or planning for retirement, to keep their retirement accounts safe and make them aware of ever-changing rules that could affect their retirement savings.

In 2004 David developed the ultimate IRA distribution training course “The Keys to the IRA Kingdom” ®, that he teaches nationally. He educates financial advisors and agents in the art of helping their clients get the most out of their IRAs, 401(k) plans and other qualified retirement accounts. David teaches a simple lesson:

 “The IRS has given IRA/401(k) owners and their beneficiaries complex rules and guidelines that must be followed to avoid additional taxes and penalties. “They just need a little help to navigate them.”

 Learn more: https://americannetworkoffinancialeducation.org/

Rick Sechler discusses the differences between Medicare Advantage and Medicare Supplement plans. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-rick-sechler-cfp-founder-of-usa-retirement-solutions-discussing-medicare-supplement-plans/

Medicare Advantage Plans, or Part C, are one way to receive Medicare benefits. These plans combine hospital, medical, and prescription drug coverage into one plan and provide additional services that Original Medicare may not cover, often including vision, hearing, and dental. Many Medicare Advantage plans include extra benefits such as over-the-counter health and wellness items and gym memberships.

Medicare Supplement Plans (sometimes called Medigap) are designed to help fill gaps in Original Medicare coverage. These plans cover some or all of the healthcare costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. Additionally, Medicare Supplement plans can provide coverage for medical services that Original Medicare does not cover, such as emergency travel outside the US or excess charges from doctors. However, Medigap plans do not include prescription drug coverage or any of the extras found with a Medicare Advantage Plan.

Rick explained: “The main difference between Medicare Advantage Plans and Medigap Plans is what type of coverage they provide. While both offer financial protection against some healthcare costs, only a Medicare Advantage Plan will cover additional benefits like vision and dental care, often not covered by Original Medicare or a Medigap plan. Additionally, while Medicare Supplement plans may have higher monthly premiums than Advantage plans, they usually have no network restrictions or referrals needed to use your benefits.”

When choosing between a Medicare Advantage and Medicare Supplement plan, it is essential to consider what coverage people seek and how much they can afford in monthly premiums. Both plans provide valuable protection against healthcare costs, but the right plan depends on their needs.

The bottom line is that Medicare Advantage and Medigap plans have their benefits, and which plan best meets an individual’s needs depends on various factors. People must consider all the options carefully before deciding what type of coverage is right for them.

With the right information, people can make informed decisions that will help ensure their long-term health and well-being.

About Rick Sechler

Rick Sechler is a Certified Financial Planner who truly appreciates the opportunity to serve clients planning for and enjoying their retirement.

Based on over 30 years of experience and the ability to listen for the nuances that make every situation different, he believes in a collaborative process that results in solutions developed by gathering information that integrates personal and financial circumstances and goals. Communication is the most important ingredient to developing the plan that is right for you.

Learn More: https://usaretirementsolutions.info/

Recent News and Interviews:

Discussing the advantages of fixed-indexed annuities compared to other income-generating choices

https://authoritypresswire.com/rick-sechler-cfp-founder-of-usa-retirement-solutions-interviewed-on-the-influential-entrepreneurs-podcast/

Guy McCord discusses determining if an annuity is a good fit for your retirement plan. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-ft-worth-financial-professional-guy-mccord-mba-discussing-annuities/

Regarding retirement planning, annuities can be a good option for many people. An annuity is a contract between someone and an insurance company where a person pays a lump sum or makes periodic payments in exchange for regular income payments during retirement. Annuities can provide a steady stream of income that can help people maintain their lifestyle during retirement and offer potential tax advantages.

Guy explained: “Before investing in an annuity, it’s important to understand the different types of annuities available and how they work. There are two primary types of annuities: fixed and variable. Fixed annuities provide guaranteed returns on investment based on interest rates set at the time of purchase. In contrast, variable annuities offer the potential for higher returns but also expose people to more market risk. It’s important to weigh the risks and benefits of each type of annuity before making a decision.”

He added: “Furthermore, it’s essential to consider all fees associated with the annuity before investing. Like any other investment, administrative costs, sales fees, and surrender charges are typically associated with an annuity that can reduce the potential returns from an investment. It’s important to research and understand all these costs before investing in an annuity.”

Finally, evaluating how an annuity fits into a person’s overall retirement plan is important. The income payments from an annuity should be considered part of supplemental income. So, suppose someone plans to rely on the income from an annuity to meet their retirement needs. In that case, it’s important to understand all the risks associated with investing in one and determine if it provides enough security for their retirement goals.

Investing in an annuity can be complicated and should not be taken lightly. It’s essential to research and speak with a financial advisor before deciding whether or not an annuity is right. With careful planning and consideration of risks and potential benefits, an annuity can be a great addition to a retirement plan.

About Guy McCord

Guy McCord lives in the Dallas/Ft. Worth area with his lovely wife of 30 years, Patricia, and their son, Andrew, who will soon be a senior in high school.

Growing up in Plano, Texas, his grandparents were his heroes. One of his grandfathers served in GermGermany’sArmy and received a Purple Heart. His other grandfather was a West Texas rancher and worked for 40 years as a rural mail carrier. Guy’s grandmothers were steadfast in their faith.

Guy has served in staffing as CMO, logistics, and commercial building maintenance as both a CFO and CEO. He has also served many small businesses in consulting.

Guy is a retired Texas rugby referee and serves Dallas County as Presiding Election Judge. After earning his MBA in 2007, he authored 7 articles. He supports the Monastery of the Infant Jesus of Prague and St. Joseph.

His faith is his foundation, and he lists Jesus, Mary, Joseph, his wife, his son, and his great friends among the most important things in his life.

By structuring client retirement money to minimize taxes, safeguard against market losses, and, allow for upside gains while allowing for lifetime income.

Learn More: https://guymccord.com/

Joshua Dean, Sales Manager and Mortgage Advisor at Homeowners Financial Group, has been ranked among the nation’s top originators based on dollar and unit volume originated during 2022. He is the leader of The Dean Team which serves clients seeking residential purchase and refinancing mortgages from its office in Canton, Georgia.

Scotsman Guide’s annual listing, Top Originators 2023, published in April 2023, names Dean as one of the nation’s top mortgage originators. Scotsman Guide stated, “Since 2010, Scotsman Guide has ranked thousands of the nation’s top producing residential mortgage originators. The longevity, verification process and comprehensive scope of this list have positioned it as a benchmark for the mortgage industry.”

Dean was also listed in Mortgage Executive Magazine’s ranking of the Top 1 Percent Mortgage Originators in America 2022, also published in April 2023. The magazine creates the list “to recognize and celebrate the service, dedication and hard work that leading mortgage professionals put into serving their clients during the home loan process.”

Dean said, “Getting repeated opportunities to be part of our clients’ stories and serve alongside our partners brings immense joy to our team. We embrace this national recognition with great humility and gratitude. The Dean Team exist to create experiences that matter by delivering value that has generational impact for the people we serve.”

Joshua Dean (NMLS#1662895) is the Sales Manager and a Mortgage Advisor at Homeowners Financial Group USA LLC ’s (NMLS#93718) office in Canton, Georgia. He has over 15 years of experience in the financial services industry including residential mortgages, debt management, and property and casualty insurance. Dean and his team serve clients in Georgia, Florida, Alabama, and Tennessee. In addition to the Mortgage Executive Magazine and Scotsman Guide rankings, he has been awarded as a member of the Homeowners Financial Group’s President’s Club for 2020, 2021, and 2022. Dean and his team exist to create experiences that matter by delivering value that has generational impact for the people they serve. He holds a bachelor’s degree in Early Childhood Education as well as a master’s degree in Theological Studies. Dean, his wife Tina, and their three children live in the North Georgia area. For more information about Joshua Dean, visit www.HomeownersFG.com/JoshuaDean.

D. Scott Kenik discusses how market volatility can negatively impact retirement.

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-d-scott-kenik-founder-and-principal-of-wealth-concepts-group-discussing-market-volatility/

Scott explained: “Market volatility can have a devastating impact on retirement savings. When the stock market is volatile, the value of investments rise and fall. This can cause people to lose money when prices drop, possibly leaving them unable to recover their losses before retirement. It’s important to recognize that market volatility can erode people’s retirement savings over time, even if it appears that they’re making gains in the short term.”

It’s also important to consider how market volatility could affect other aspects of retirement planning, such as Social Security benefits and pension plans. If the stock market drops significantly or remains volatile for an extended period, companies may be forced to reduce their pension contributions or adjust Social Security income thresholds due to decreased revenue. This could mean reduced benefits for retirees when they need them the most.

Market volatility can create uncertainty about how much money a person will save for retirement. When markets are volatile, it can be challenging to predict the ending balance if people stay invested and continue to contribute regularly to their retirement plan. This means it’s important to remain vigilant in monitoring investments and adjusting them as needed to minimize losses due to market volatility.

Overall, understanding how market volatility can affect an individual’s retirement is vital to ensure that they’re prepared for any ups and downs of the stock market.

Scott added: “Having a diversified portfolio and staying informed about current financial trends are just two ways that people can use to protect themselves from the losses associated with market volatility. By proactively managing their retirement savings, people can help ensure that short-term market fluctuations do not compromise their long-term financial security.”

About D. Scott Kenik

Scott first started in the industry back in 1995. He spent several years educating financial advisors from Merrill Lynch, Morgan Stanley, Prudential, and other national companies on retirement plan design, and he worked for Metropolitan Life helping them launch a new retirement program.

There were two significant events in his life that led him to his current and most rewarding path of helping families gain financial security.

The first was his parents’ retirement problems. They spent much of their retirement taking seminars and learning about investing and they traded their own accounts to supplement their retirement income. As far as he knew they were successful. They never said otherwise.

When his dad passed, his mom told him that, in fact, they had lost a lot in the stock market and she was concerned about having enough money to live on. Now, they were both smart people and had dedicated a lot of their time to learning about investing. Instead of mom enjoying her golden years, she pinches every penny hoping that her money will last.

The other significant event was the economic crash in 2008 from the mortgage crisis. He watched his retirement account drop like a rock, as did his friends and associates. He knew there had to be a better way.

If a No-Stress Retirement is your goal, feel free to contact Scott for a complementary Wealth Concepts Group consultation.

Learn More: https://wealthconceptsgroup.com/

 and get a complimentary copy of Scott’s book “No Stress Retirement Roadmap https://www.nostressretirementroadmap.com/

ALL CONTENT IS FOR INFORMATION PURPOSES ONLY. OPINIONS EXPRESSED HEREIN ARE SOLELY THOSE OF WEALTH CONCEPTS GROUP AND OUR EDITORIAL STAFF. MATERIAL PRESENTED IS BELIEVED TO BE FROM RELIABLE SOURCES; HOWEVER, WE MAKE NO REPRESENTATIONS AS TO ITS ACCURACY OR COMPLETENESS. ALL INFORMATION AND IDEAS SHOULD BE DISCUSSED IN DETAIL WITH YOUR INDIVIDUAL ADVISER PRIOR TO IMPLEMENTATION. THE PRESENCE OF THIS WEBSITE SHALL IN NO WAY BE CONSTRUED OR INTERPRETED AS A SOLICITATION TO SELL OR OFFER TO SELL INVESTMENT ADVISORY SERVICES. ANY GUARANTEES REFER TO INSURANCE PRODUCTS, AND ARE BACKED BY THE CLAIMS-PAYING ABILITIES OF THE UNDERWRITING COMPANIES.

Michael Moore discusses how life insurance premium financing can benefit a high-net-worth investor.
Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/michael-moore-clu-chartered-financial-consultant/

Life insurance premium financing can be an excellent financial strategy for high-net-worth investors. Premium financing allows these individuals to obtain the large life insurance policies they need, with little impact to current assets and cash flow.   By borrowing funds from a lender, the investor can pay a smaller interest payment vs. a larger non-financed premium payment.

Michael explained: “The ability to obtain large policies without outlaying significant sums of cash upfront can provide several advantages for high-net-worth investors. For example, by utilizing premium financing, investors may take advantage of the savings between smaller interest payments vs. larger non-financed premium payments and reinvest those savings in their preferred financial vehicles. Also, life insurance contracts often offer tax advantages that can provide additional savings for the investor.”

Overall, premium financing is an attractive option for high-net-worth investors looking to maximize their cash flow while still obtaining substantial benefits from life insurance policies. By leveraging existing assets and taking advantage of discounts and tax advantages, premium financing allows individuals to acquire large policies without making significant out-of-pocket payments. As such, it can be a valuable financial tool for those seeking to protect their wealth and plan for long-term security. 

 About Michael Moore

 Michael welcomes 2023 as his 26th year in the financial services industry. Michael started his career with a small brokerage agency in Tustin, California. After several years there, he moved on to CPS Insurance and managed their underwriting department. As his experience and knowledge of insurance continued to grow, he accepted a position at First Financial Resources, where he worked diligently to rebuild and maintain the company’s elite position in the financial services industry. In 2007 Michael was hired by a subsidiary of AIG (AI Credit) to help build their financed life portfolio. 

In 2009 that portfolio was acquired by Wintrust under First Insurance Funding. As Vice President of Sales, he was a leader in creating a loan portfolio of over $300M in financed premiums. In the summer of 2015, Michael worked for a short time with a small firm out of Phoenix before establishing his own business operating as CDP Insurance Services, Inc.  CDP is a boutique firm specializing in leveraged insurance strategies.

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

Financial professional Bob Chitrathorn, the Co-Founder of Simplified Wealth Management and the bestselling author of “The Drive to Success,” continues to make waves in the world of business and entrepreneurship as he shares his phenomenal journey and success secrets with aspiring entrepreneurs.

Bob’s career path began in 2004 when he discovered his passion for personal finance, which later led him to co-create Simplified Wealth Management. His experience includes a stint at H&R Block and a keen interest in real estate. During his time at CSUSB, he found his calling – empowering others to make the best decisions for their financial lives. Starting by merely helping his parents navigate the complexities of finance, Bob’s professional accomplishments quickly skyrocketed. Today, he can boast an impressive portfolio with over 19 years of industry experience and hundreds of clients who value his expertise.

Bob’s 2^nd bestselling book, “The Drive to Success,” encapsulates his unique approach to business success, mentoring, and motivation. Through vivid storytelling, Bob shares invaluable insights drawn from his personal experiences as an entrepreneur, emphasizing the significance of listening to clients’ needs, as he did for his parents, and breaking down complex financial strategies into actionable plans.

His book also focuses on overcoming the fear of failure – an obstacle that holds many budding entrepreneurs back. By offering authentic and transparent accounts of his journey, Bob inspires readers to remain driven and focused on their goals, even during challenging times.

Designed as a roadmap for aspiring entrepreneurs, “The Drive to Success” helps individuals understand that success is not a linear process and that overcoming obstacles and failures is integral to achieving their dreams. Bob Chitrathorn’s unique motivational approach and guidance encourage entrepreneurs to stay dedicated to their goals and make better-informed decisions.

Bob’s unwavering passion and dedication to motivating and mentoring entrepreneurs have garnered well-deserved recognition and respect within the industry. Whether a startup founder, a small business owner, or considering taking the plunge into entrepreneurship, Bob Chitrathorn’s “The Drive to Success” is an essential read, poised to arm readers with the tools, strategies, and inspiration to achieve their ultimate business vision.

To embark on a journey towards entrepreneurial success and secure a copy of “The Drive to Success,” visit Amazon today.

The Drive to Success will be the first documentary book to share the stories of successful entrepreneurs and their experiences with failure. The book will also feature stories about what some of these entrepreneurs have learned from their failures, overcoming adversity, and ultimately succeeding.

Chitrathorn said, “This documentary book will assist you in discovering your strengths and weaknesses as an entrepreneur, identifying opportunities for improvement, developing strategies that work for you, and ultimately increasing your chances of greater success. You will hear stories of failure, so you know what not to do and how to learn and grow from it. You can turn each failure into a success with the right attitude and dedication.”

Describing the book, Chitrathorn said, “This book isn’t about luck or overnight success; it’s about hard work and determination in the face of adversity. It acknowledges that failure is essential to growth and progression as an entrepreneur and will guide how to proactively use those failures to support your business to reach new heights. This book is not for you if you’re looking for a shortcut to the top. But if you’re ready to put in the effort while learning from your mistakes, this book can be a valuable resource on your journey toward achieving greatness.”

About Bob Chitrathorn

Suthipong Robert Chitrathorn (or Bob for short) came from humble beginnings. Born to parents Puttachart and Sakul Chitrathorn, Bob was raised in a mobile home park in Colton, CA. His parents migrated to Michigan from Bangkok, Thailand in 1974, before settling in Southern California. As a child, Bob didn’t realize how good others had it until he ventured out of the ghetto and went over to friends’ birthday parties. There he’d witness the luxuries of living the American dream and of the possibilities that lay ahead.

To the Chitrathorns, life in America was a gift and they were proud owners of property in America. They worked hard to put food on the table and to put Bob and his younger sister, Crystal, through school. Bob ate sandwiches with nothing but cheese on them, but he was blessed nonetheless. He learned that perspective made all the difference in life.

In his mother’s words, “education is money in the bank.” She teaches nurses still to this day, but she and Sakul, a factory worker, sacrificed to make a better life for Bob and Crystal. They paid for both kids to go through private high school and then helped pay for college.

Their dedication and sacrifice didn’t go to waste. Bob received a full ride scholarship for his first year at La Sierra University, before transferring to Cal State San Bernardino. He received his B.S. in Finance, as well as a B.S. in Real Estate, while minoring in business administration. Despite the rigorous course load, Bob graduated magna cum laude and was named part of the Golden Key Honor Society.

In 2004, Bob became a financial advisor, which was an opportunity to make a good living, while helping others make the best decisions for their own financial lives. He had a short stint at H&R Block and also considered real estate, but he found his passion in personal finance. While Bob was attending CSUSB, his parents were working with an agent at New York Life. Bob always sat in on their meetings. He found that by listening to his parents’ goals and conveying the pros and cons of their decisions, that they would listen to him more often than their own advisor.

When Bob became an advisor, it was a no brainer that Puttachart and Sakul would work with their son, who always listened to their needs. With over 18 years of industry experience, he now has hundreds of clients beyond his parents to guide and influence. Bob recently joined newly established Simplified Wealth Management to help grow a new brand and to help shape the next generation of financial advisors.

In 2016, Bob contributed a chapter to best selling author and esteemed motivational speaker, Brian Tracy’s book. The book, “Success Manifesto: The World’s Leading Entrepreneurs & Professionals Reveal Their Secrets to Mastering Health, Wealth & Lifestyle,” was an opportunity for Bob to share his love for planning and for his clients.

He holds the Series 6, Series 7, Series 63 registrations with LPL Financial, and Series 65 registration with Strategic Wealth Advisors Group, LLC, and life, health and long-term care insurance licenses. He also holds a Certificate in Financial Planning from Pepperdine Graziadio Business School. Bob has been married to the love of his life, Brittany, for ten years. They live in their Riverside, CA home with their rescue dog, Mazy, a pool, putting green, and a Pittsburgh Steelers themed bar that’s perfect for Sunday Night Football.

Complimentary Estate Planning, Complimentary Second Opinion, investment review/analytics: http://www.planwithbob.com/

Bob Chitrathorn is a registered representative with, and securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Strategic Wealth Advisors Group, LLC, a registered investment advisor.  Strategic Wealth Advisors Group, LLC. and Simplified Wealth Management, Inc are separate entities from LPL Financial.

Robert J. Smith discusses how business owners prepare for wealth-building and retirement by reducing taxes.

Eddie Money, Rock and Roll Hall of Famer said: “I want to thank you for the publicity you are bringing to the Pediatric AIDS Foundation and the Intrepid Fallen Heroes Fund. You have a prominent career in this business and a lot of respect. I appreciate the fact that we had the opportunity.”

Listen to the interview on the Business Innovators Radio Network

https://businessinnovatorsradio.com/interview-with-financial-planner-and-advisor-robert-j-smith-founder-of-smith-profits/ 

To effectively reduce tax liability and prepare for wealth-building and retirement, business owners should consider the following tips:

1. Take advantage of all available tax deductions: Tax deductions are great ways to reduce taxable income. Review all eligible expenses to ensure to take full advantage of the available deductions. This could include common expenses such as rent, advertising costs, travel, depreciation, computer hardware and software, salaries, etc. Smith saved one of his clients $65,000.00 per year by finding a business tax deduction that their CPA missed for 40 consecutive years.
2. Set up a retirement plan: Establishing a retirement plan can help save money on taxes today while ensuring enough saved up comes time to retire. Choose a plan that works best, such as an IRA (Individual Retirement Account), 401K, SEP (Simplified Employee Pension), or SIMPLE (Savings Incentive Match Plan for Employees).
3. Consider incorporating and/or setting up a business structure: Incorporating a business can help to save on taxes in the long run. This could include setting up an LLC (Limited Liability Company) or S-Corp to reduce taxable income and potentially decrease self-employment tax. Make sure to review all of the pros and cons before deciding which path is best.
4. Utilize tax credits: Tax credits differ from deductions because they provide more direct benefits to taxpayers by reducing their overall tax bill amount due instead of just reducing the taxable income. Tax credits provide a dollar-for-dollar reduction in taxes owed. Research applicable federal and state tax credits a business may qualify for, such as the Work Opportunity Tax Credit, Low-Income Housing Tax Credit, etc.
5. Stay organized: Properly documenting the expenses will help to stay organized and avoid any issues with the IRS when filing taxes. Ensure to keep all relevant records, including receipts, invoices, bank statements, and other financial documents in case of an audit.

6. Carefully review all tax returns: It is essential to review all tax returns before filing to identify any potential issues or errors so that penalties are never incurred. Have a qualified accountant or tax professional review the return and ensure everything is in order. Additionally, paying attention to changes in tax laws can help keep up-to-date on the best strategies for reducing overall tax liability.
7. Utilize multi-year planning strategies: With proper planning and careful consideration, business owners can utilize long-term strategies such as capitalizing expenses, deferring income, and setting up installment agreements with creditors to reduce their overall taxable income and save money on taxes now and in the future. Multi-year planning strategies should be discussed with a qualified accountant or financial advisor to ensure that they are implemented correctly and in the best interest of the business.

By implementing these strategies, business owners can reduce their short-term tax liability and save money in the long run to benefit their future wealth-building and retirement plans. Remember to consult a qualified accountant or financial advisor before making any changes to ensure that the strategy is in accordance with the latest laws and regulations. With careful consideration, maximize tax savings and get the most out of money that is possible, year after year.

Robert explained: “By following these tips, business owners can reduce their overall tax liability while preparing for wealth building and retirement. With proper planning and careful consideration, businesses can save money on taxes while focusing on their goals.” it is essential to discuss any potential strategies with a qualified accountant or financial advisor before implementation so that you understand all of the possible implications.

About Robert J. Smith:

Robert J. Smith is a Leading Financial Advisor and Founder of Smith Profits.

To begin his career, Robert became the fastest agent in the history of the John Hancock Companies to complete The American College’s four-year Certified Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designation programs. Both were successfully completed in only 13 months.

The reason for the urgency was for a 25-year-old to gain immediate access to an advanced planning market that was dominated by gray-haired senior financial advisors. This commitment to education and a healthy commitment to prospecting and gaining referrals provided Smith with the opportunity to gain Ford, General Motors, and Chrysler as clients.

Robert completed his Accredited Asset Management Specialist (AAMS) designation with the College for Financial Planning while with New York Life. As a perennial Million Dollar Round Table MDRT qualifier, Smith was part of the New York Life team which led the MDRT for the fiftieth consecutive year. Robert’s name is enshrined in a plaque on the wall of the New York Life Building located on Madison Avenue.

Smith taught the Certified Financial Planner CFP curriculum to financial advisors, bankers, accountants, attorneys, and others at Oglethorpe University. Robert also served as a Princeton Review Instructor. 

After becoming the #1 producing branch manager nationwide for BankAtlantic/BB&T, Robert became the #1 producing agent for Mutual of New York (MONY)/AXA worldwide.

Over his five-decades-long financial services career, Smith has consistently ranked in the Top 1% worldwide in insurance and financial services production. He shares his proven storytelling methods, persuasive writing techniques, and sales closing style with professionals through public speaking and private consulting to ensure their success.

https://www.RobertJSmithProductions.com

In addition to being licensed as a Series 7 and Series 63 General Securities Representative, Robert was also licensed as a Registered Investment Advisor (RIA). Smith is also licensed as a Life, Health, and Variable Annuities Agent and was a Licensed Insurance Counselor (LIC) which qualified him to testify in Michigan Courts as an Expert Witness. Smith was also a licensed Mortgage Broker and currently holds a Real Estate agent’s license.

Smith consulted with a Tampa firm that never had a single mortgage broker earn over $100,000.00 per year. Within six months of working with Robert, every broker had earned in excess of $150,000.00 in commissions.

In a career that spans five decades, Smith is the only financial advisor in the United States who has earned the CLU, ChFC, LIC, CCCC, RIA, AAMS, CMP, and CMPS professional designations while leading both a financial services giant and a banking giant in sales production.

After setting numerous production and achievement records at several Fortune 500 Companies, Robert sustained severe spinal cord injuries which resulted in his closing his private practice offices in Atlanta, Sarasota, and Tampa. 

While undergoing fourteen surgeries and years of physical rehabilitation, Smith began training for a second career by concurrently earning his Master of Fine Arts (MFA) degree in Creative Writing as Valedictorian at Full Sail University and his Feature Film Writing degree With Distinction at UCLA. Smith has won Director’s Awards for The Art of Visual Storytelling as well as Editing for Film, Games, and Animation and is a sought-after public speaker.

Robert became an International Best-Selling Author with his contribution to SALES GENIUS #1 which was the #1 Amazon Best-Seller in Sales Techniques both in the USA and in the UK while The Wolf of Wall Street, Jordan Belfort’s book on sales was # 2 in both rankings. Smith has also written THE ADVENTURES OF INSURANCE MAN, THE LOAN ARRANGER, REAL ESTATE WOMAN, and SHORT ATTENTION SPAN DAN.

THE ADVENTURES OF INSURANCE MAN provided Robert with his single largest commission to date when he earned $110,000.00 with The Equitable on an estate planning case that was closed due to this story.

THE ADVENTURES OF INSURANCEMAN is available on Amazon for single use and may be licensed and customized for use by licensed insurance agents to increase sales production and persistency.

https://www.amazon.com/ADVENTURES-INSURANCEMAN-ROBERT-J-SMITH-ebook/dp/B07H3D2TY5?ref_=ast_sto_dp

Smith has been featured on ABC, CBS, The CW Network, FOX, The Golf Channel, and NBC.

Smith consistently ranks in the Top 1% in the Internet Movie Database (IMDb). Robert is also a Forbes Business Council Member and writes for the media giant on a regular basis and contributes to Forbes Expert Panels.

https://www.IMDb.Me/RobertJSmith

Robert has raised millions of dollars for charity through his financial advisory practice and personal efforts.

Robert J. Smith, MFA may be reached at Robert@RobertJSmith.com and at (407) 508-0200 for a fifteen-minute consultation at No Charge to show how to increase a company’s sales production, revenues, and profits.

Learn more: https://smithprofits.com/

 Kristen Conti of Peacock Premier Properties in Englewood has earned the prestigious Certified Distressed Property Expert® (CDPE) designation, having completed extensive training in foreclosure avoidance, with a particular emphasis on short sales. At a time when millions of homeowners are struggling with the possibility of foreclosure, the skills and education amassed by Conti will help benefit Charlotte & Sarasota County area residents and communities.

Short sales allow the distressed homeowner to repay the mortgage at the price that the home sells for, even if it is lower than what is owed on the property. This can save many people from foreclosure and even bankruptcy. More and more lenders are willing to consider short sales because they are much less costly than foreclosures. 

“The CDPE designation has been invaluable as I work with homeowners and lenders on complicated short sales,” said Conti. “It is so rewarding to be able to help families save their homes from foreclosure.” 

Tony Martinez, author of the CDPE course and CEO of Tony Martinez Events, LLC, in Davie Florida, said that agents such as Kristen Conti with the CDPE Designation have valuable perspective on the market, and training in short sales that can offer homeowners real alternatives to foreclosure, which can be devastating to credit ratings. 

“These experts better understand market conditions than the average agent, and can help sellers through the complications of foreclosure avoidance,” he said. 

Tony Martinez Events, LLC provides live and online courses to train real estate professionals how to help homeowners in distress, with a strong focus on handling short sales. 

“Our goal is to help as many homeowners as possible, by educating as many real estate professionals as possible,” Martinez said. “Kristen Conti has demonstrated a commitment to struggling homeowners, a commitment that can provide much-needed stabilization to the community.” 

For more information about CDPE Designation, visit www.cdpe.com. 

About Kristen Conti

Kristen Conti has been a Realtor since 1993 and works side by side with her husband Dave who joined their business in 1995. She owns and operates Peacock Premier Properties where she and her team serve Charlotte and Sarasota Counties as well as Gasparilla Island and Boca Grande in Lee County, all of which are on the Southwest Coast of Florida. While her passion now is in developing her team and seeing them succeed, she and Dave still handle all their bank clients personally. Their expertise and trustworthiness for more than 30 years have given them a business that runs 91.5% by referral.

Location Info:
Kristen Conti, PEACOCK PREMIER PROPERTIES LLC
37 S Indiana Ave Suite 110, Englewood, FL 34223
+19412868486

Jay Winestein discusses how taxes and inflation impact cashflow when considering Potential Retirement Pitfalls 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-jay-winestein-founder-of-deepdive-retirement-discussing-potential-retirement-pitfalls/

When planning for retirement, it’s essential to factor in the impact of taxes and inflation on cash flow. Taxes directly affect how much income people receive from investments and other sources in retirement, while inflation erodes the purchasing power of money over time. This means that the money a person needs to maintain their lifestyle in retirement will likely exceed what they estimated when initially budgeting for it.

Jay explained: “Taxes can significantly reduce someone’s available income in retirement by taking away a portion of Social Security benefits, investment returns, pensions, and other sources of income. The rate at which this occurs depends on an individual’s tax bracket and whether they’re subject to special rules like taxation on Social Security benefits or capital gains taxes. Understanding how taxes can impact their income and budgeting accordingly is key to ensuring a comfortable lifestyle post-retirement.”

Inflation also affects cash flow, as it increases the prices of living expenses over time. For example, if someone were to retire today with $50,000 in savings, that money would have less value ten years from now due to inflation. As such, a person would need more than the amount initially saved to keep up with rising costs in retirement. Estimating inflation when creating a retirement plan is essential so the cash flow doesn’t suffer down the line.

By understanding how taxes and inflation can impact retirement income and budgeting accordingly, people can ensure financial stability during retirement and avoid potential pitfalls. This will help them maintain the same level of comfort and lifestyle that they enjoyed pre-retirement.

The bottom line is that taxes and inflation should be considered when creating a retirement budget to ensure long-term financial stability. With proper planning, people can ensure their retirement goals are met even in the face of rising costs or reduced income sources due to taxation rules.

About Jay Winestein

 Jay Winestein helps retirees get more income using several powerful and time-tested strategies. His unique message, based on his years in the small business pension space, uses the same actuarial (pension) tables and calculations that large corporate pension designers use. It can add peace of mind in retirement.

Learn More: http://www.deepdiveretirement.com/

Going through a divorce can be emotionally and financially challenging. However, with the help of a Certified Divorce Financial Analyst^TM, such as Mary Ann Ernette of Harmony Divorce Solutions, you can navigate the complex financial issues and create a plan for a financially stable future.

Harmony Divorce Solutions serves clients throughout the Pittsburgh metropolitan area, including Fox Chapel, PA and O’Hara Township. Mary Ann Ernette is a Certified Divorce Financial Advisor (CDFA) with over 42 years of experience in many positions within the financial services industry. She helps clients, couples, and their attorneys through the multi-layered process of divorce by providing financial expertise and guidance. Mary Ann is also a trained mediator and financial neutral in the Collaborative Divorce process. She is a member of the Collaborative Law Association of Southwestern Pennsylvania (CLASP), the Median Council of Western PA (MCWP), and the Financial Planning Association (FPA).

The Collaborative Law Association of Southwestern Pennsylvania (CLASP) is an organization that promotes the use of collaborative law as a way to resolve legal disputes, including divorce. Collaborative divorce is a process that helps couples avoid court and encourages them to work together to reach a mutually beneficial agreement. The process involves a team of professionals, including lawyers, financial specialists, and mental health professionals, working together to help the couple reach an agreement that meets their needs.

According to Mary Ann Ernette, “Collaborative divorce is a great option for couples who want to avoid the adversarial nature of traditional litigation. By working with a team of professionals, including a Certified Divorce Financial Analyst^TM, couples can create a plan for a fair and equitable division of assets.”

Working with a Certified Divorce Financial Analyst^TM can provide a clear definition of your spending, assets, and liabilities, helping to work towards an equitable division of assets and liabilities when separating your marriage. Alternative divorce resolutions such as mediation or collaborative divorce can help keep you out of court and away from the public eye. Working with a professional team of divorce experts can promote a fair process and create a less bitter environment for the entire family.

To make it easy for clients to access their services, Mary Ann Ernette has launched Harmony Divorce Solutions’ website, which provides a one-stop-shop for divorce financial planning needs. Visitors can learn more about the services offered and contact Mary Ann to schedule an appointment at https://www.harmonydivorcesolutions.com.

Harmony Divorce Solutions is located at 1000 Gamma Drive, Suite 106, Pittsburgh, PA 15238. To contact Mary Ann Ernette directly, please call 412-874-5892 or send an email to maryann (at) harmonydivorcesolutions (dot) com

For more information about the Collaborative Law Association of Southwestern Pennsylvania (CLASP), please visit https://clasplaw.org. The collaborative divorce process can be an important tool for couples who want to avoid the adversarial nature of traditional litigation.

Investment professionals associated with Harmony Divorce Solutions can be verified through FINRA’s BrokerCheck, which is available at https://brokercheck.finra.org/. Securities are offered through LPL Financial member FINRA/SIPC.

Contact: Mary Ann Ernette

Phone: 412-874-5892

Email: maryann@harmonydivorcesolutions.com

Website: https://www.harmonydivorcesolutions.com

Location Info:
Harmony Divorce Solutions, LLC
1000 Gamma Dr # 106, Pittsburgh, PA 15238
+1-412-874-5892

Click here to listen to the interview on the Business Innovators Radio Network.

Tax planning is essential right now for those who are close to retirement or recently retired, according to Certified Financial Planner^® Burt Williamson. He explained, “Income tax rates are set to jump higher in 2026, as many of the 2017 federal tax law changes will expire. Nobody is sounding the alarm about it, but some tax brackets will go up by as much as 4% overnight and the gifting and estate tax limits will be cut nearly in half!”

Burt continued, “Most people focus on getting the biggest tax deduction each year rather than reducing their lifetime tax bill. Meanwhile, recent federal tax law changes make it easier to delay taking money out of pre-tax retirement accounts, allowing retirees to defer the taxes longer than before. The longer they defer, the bigger the tax bill will be when they start withdrawing the money or after their kids inherit those accounts. Pre-retirees and those recently retired need a plan to defuse the ticking-tax time bomb before it goes off. Otherwise, it will.”

Proper guidance and tax planning can make it easier and less stressful to enjoy a comfortable lifestyle throughout the golden years, while allowing people to leave a much more tax-efficient inheritance for their heirs someday.

Tax payers in The United States have been experiencing historically low tax rates in recent years, which adds to the timeliness of developing a strategy right  now, some of which may have little to no impact on a person’s spending capacity.

Burt added, “Time can be an ally or a worst enemy. People should meet with their tax advisor and a knowledgeable Certified Financial Planner^® soon to take advantage of this limited window of opportunity.”

About Burt Williamson

Burt has helped thousands of people across the country to plan effectively for their unique financial situations since 1995. His company, PlanPrep, is a Registered Investment Adviser. Burt is also licensed to provide annuity and insurance solutions. Burt and PlanPrep act as fiduciaries for all clients.

https://www.planprep.com  ~  California License #0D33315

Anton Anderson discusses why financial advisors and CPAs should form “Proactive Planning Teams”

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-anton-anderson-ceo-of-elite-resource-team/

Financial advisors and CPAs share a common goal: to help their clients build financial security. They can offer a comprehensive approach to achieving this goal by forming a Proactive Planning Team comprised of three main pieces: advisor, CPA, Virtual Family Office (VFO). Financial advisors bring significant expertise in areas such as retirement planning, investments, insurance, and estate planning. CPAs specialize in tax preparation and accounting services, ensuring clients stay compliant with the IRS and make educated decisions. VFOs can significantly increase the breadth and depth of the area of expertise. By combining their knowledge and experience, they provide clients an unmatched planning experience and superior results.

With the ever-changing landscape of taxation laws, compliance requirements, and investment regulations, it’s more important than ever for financial advisors and CPAs to stay up-to-date on the latest developments. Working together, with the support of a trusted VFO, allows them to gain a deeper understanding of the nuances of their client’s situation and develop strategies tailored to their needs. Not only does this help clients achieve better long-term results, but it also provides peace of mind in knowing they’re getting the best advice possible.

Anton explained: “A strong working relationship between financial advisors and CPAs is essential for ensuring clients get the most out of their investments and tax planning strategies. By taking advantage of each other’s knowledge, experience, and services, financial advisors and CPAs can provide their clients with an integrated approach to achieving financial security. Together, they can craft a plan tailored to their client’s needs and goals. This helps clients reach the maximum return on their investments and keep more money in the long run.”

 About Anton Anderson

In 2014, Anton started Elite Resource Team with his trusted business partner, Ken Smith. They found enormous success in teaching financial advisors how to meaningfully differentiate themselves by working with CPAs in a proven and efficient system. Elite Resource Team has trained over 1200 advisors in 37 states. Eager to put his areas of interest and expertise to work, Anton divides his time between his work as an Entrepreneur, Consultant, and Thought Leader, with the goal to help business owners and high performers multiply their efforts, and exceed their perceived potential in pursuit of exceptional results.

Learn more: https://www.antonjanderson.com / and https://www.elitert.com/

Stephen Ross discusses the benefits of working with an Independent Home & Auto Insurance Agent. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-stephen-ross-ceo-of-ross-insurance-brokers-dave-ramsey-trusted-provider-discussing-working-with-an-independent-agent/

Independent home and auto insurance agents are an excellent resource for finding the best coverage at the best price for specific particular needs. Working with an independent agent is beneficial in several ways, including:

1. Access to multiple insurance companies – A significant advantage of working with an independent agent is having access to many different insurance companies. Independent agents can compare plans, coverage options, and quotes from various sources; so people can get the right policy at the right price.
2. Personalized advice – Because they work independently, independent agents can provide personalized advice without being influenced by any one company or product line. They consider people’s needs and preferences when helping them select a policy that fits their budget and lifestyle.
3. Expert knowledge – Independent home and auto insurance agents typically have a wealth of experience and industry knowledge that they can use to inform their clients’ coverage decisions. With their expertise, they can provide valuable advice on the types of coverage people need and how different policies work.
4. Dedicated customer service – An independent agent can answer people’s questions about insurance with more personalized attention than they might get from a larger company. Working with an agent allows for one-on-one interaction so that the agent can learn more about their client’s needs to help them find the perfect policy.

Stephen said: “Working with an independent home and auto insurance agent is beneficial because it gives you access to multiple insurance companies, personalized advice, expert knowledge, and dedicated customer service. With their help, you can find the right policy at the right price for your needs.”

Client Arthur Gilbreath III says: “The team at Ross Brokers goes above and beyond when it comes to customer service. They listen, and they provide the best options for their customers for different kinds of insurance policies.”

About Stephen Ross

He was born and raised in New Zealand. He completed Bible college in World Missions at the age of 24 in Singapore. His hope was to be involved in the missions in Asia. He was newly married and needed to find a job so he can provide for his family and so he had to put missions on hold to establish a family in New Zealand.

In 1998, he was offered an opportunity as an Insurance Agent and thought to give it a try. He realized that he really enjoys getting to know each family member and having the ability to design an insurance plan that would meet their specific needs and budget. This began his passion for helping families and individuals through the insurance industry, as well as living an example of faith in the business world.

He decided to relocate his family to Portland Oregon in 2002, where he began working for New York Life. During that time, he took Dave Ramsey’s Financial Peace University through his church. This class totally changed his way of thinking about insurance and inspired him to work independently. In 2003, he quit New York Life and began the adventure of Ross Insurance Brokers out of his garage. By 2007, Ross Insurance Brokers was officially incorporated! He then focused on building a team and the company expanded into other lines of insurance. 

He has found that each team member has their own strength which provides a better client experience. Teamwork is a very important value of who they are today! He loved what he had learned through Dave Ramsey’s programs and decided that he wanted to partner with his company, Ramsey Solutions. He became a Dave Ramsey Health Endorsed Local Provider for Oregon in 2011 and quickly expanded to several states. His heart was to make sure everyone would get the best value and price for their policies. He approached each policy as if he were purchasing them himself and applied the common knowledge of what Dave Ramsey talks about.

Business for Ross Insurance Brokers, Inc. continued to grow. They have been in the business for 22 years now and are working hard to continuously provide excellent care for their customers. They are a Dave Ramsey Health ELP in 14 states. They now have a full team dedicated to making sure that every client is provided with education and genuine care for their specific journey. 

His goal as the CEO and President of Ross Insurance Brokers, Inc. is to show that the company values people before profit, and they will be innovative in their solutions to meet each individual’s needs, and will strive for excellence in all that they do.

With his wife from Singapore and his heart for mission it is their desire to use their company to give back to the less fortunate in Asia. Today, both his children, Josh and Grace work with him as they grow their mission to help families around the world.

With Covid, the team has changed; they used to have an office but have found that even working remotely they are able to work effectively and are able to serve their clients as  as efficiently as possible. Their team is located throughout the country and in the Philippines.

Set an appointment with one of the advisors in their office. https://rossbrokers.com/

Recent News and Interviews:

Discussing Health Insurance

https://authoritypresswire.com/stephen-ross-ceo-of-ross-insurance-brokers-dave-ramsey-trusted-provider-interviewed-on-the-influential-entrepreneurs-podcast-discussing-health-insurance/

Discussing Term Life Insurance

https://authoritypresswire.com/stephen-ross-ceo-of-ross-insurance-brokers-dave-ramsey-trusted-provider-interviewed-on-the-influential-entrepreneurs-podcast-discussing-term-life-insurance/

Oscar Toledo discusses the top considerations for a pre-retiree when deciding on social security claiming options. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-oscar-toledo-president-of-toledo-insurance-discussing-social-security-claiming-options/

When deciding on Social Security claiming options, pre-retirees need to consider the impact of their decision on their retirement income. This includes evaluating when to start receiving benefits and how that choice might affect other sources of retirement income they have.

Pre-retirees should also consider the benefits they can expect based on their work history and earning records. For example, those who could contribute more over a more extended period may be eligible for higher monthly benefit amounts. Additionally, pre-retirees should also consider any potential penalty or bonus that could arise from making certain decisions about beginning payments or collecting spousal benefits.

Another important factor is longevity risk—the possibility that pre-retirees may outlive their retirement savings. To guard against this scenario, pre-retirees should consider the possibility of receiving delayed benefits, which can increase the amount of Social Security benefits they will receive each month.

Oscar explained: “Pre-retirees must also consider the tax implications of their decisions. Depending on income from other sources such as investments or pensions in addition to Social Security, it is possible that some portion of a person’s benefit could be subject to taxation. Being aware of this potential could help pre-retirees make an informed decision regarding when and how to start collecting Social Security benefits.”

By considering these factors, pre-retirees can make an educated choice on the best Social Security claiming options for their individual retirement goals and needs.

It’s important to consult with a financial advisor or tax professional before making any decisions about claiming Social Security benefits. They can help provide personalized strategies that are tailored to each person’s unique circumstances.

About Oscar Toledo

Oscar Toledo is not only a business consultant to the professionals who work with him, he’s a personal producer who knows firsthand the number of obstacles facing financial professionals today. Anyone who has worked with Oscar says he is trustworthy, persistent, and an active listener. 

For more than 20 years, Oscar has taken his client’s success personally – providing real-world solutions that help achieve his clients’ personal financial and business goals. Oscar and his team serve a select group of businesses and families to build and maintain the lifestyle they have worked hard for.

Oscar spends his free time traveling and creating lasting memories with his wife and three daughters. He is also passionate about music, charity work, fitness, and watching his daughter play softball.

Learn More: Cell: 714-317-3913

Licensed Insurance Agent – 0E38226

Daniel Collison discusses why the duality of client acquisition is vital for financial advisors to understand.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-daniel-collison-managing-partner-at-advice2advisors/

The Duality of Marketing and Prospecting for Financial Advisors is crucial to growing a financial advisory business. Marketing involves promoting an advisor’s Unique Value Proposition (UVP) and identifying the target audience, while prospecting is identifying potential clients and converting them into actual clients. Both activities are essential for the growth of a financial advisory business, and mastering them can lead to unlimited growth opportunities. It is vital to balance serving and selling to clients, as both are necessary for success in the industry. Effective prospecting strategies include defining a niche, creating buyer personas, developing personalized scripts, leveraging existing client bases, engaging with the next generation, adapting to technology, and identifying and nurturing leads through effective communication.

In his article on Nasdaq.com titled “The Duality of Marketing and Prospecting for Financial Advisors,” Collison discusses how financial advisors can balance their marketing and prospecting efforts to grow their business. He emphasizes that marketing and prospecting are two different activities, but they are complementary and essential to the growth of a financial advisory firm.

Collison notes that while marketing is more passive, prospecting requires a more active approach.

The article highlights three key benefits of balancing marketing and prospecting for financial advisors. First, it allows advisors to create a consistent flow of new leads while nurturing existing client relationships. Second, it helps advisors build credibility by demonstrating their expertise through content creation and thought leadership. Finally, it enables advisors to scale their business over time by consistently attracting new clients. To balance marketing and prospecting effectively, the author recommends that financial advisors define their niche market, create buyer personas, develop personalized scripts for outreach efforts, leverage existing client bases for referrals, engage with younger generations through social media platforms like LinkedIn or Instagram, adapt to technology changes in the industry such as Artificial Intelligence (AI) tools or Robo-advisors.

Financial advisors can balance marketing and prospecting efforts to grow their businesses successfully. By utilizing both strategies effectively and adapting to changes in technology or client preferences over time, financial advisors can establish themselves as trusted experts in their field while continuing to attract new clients steadily.

About Daniel Collison

Dan has over 30 years of experience in the financial services industry.

He is a co-founder and Managing Partner with financial education firm Advice2Advisors, which trains, mentors, and coaches financial advisors of all tenures. He is a CFP and TEP and is a Board Member of the FP Foundation and past Chair of its Research Committee.

He taught Personal Financial Management, in the MBA Program, at the Schulich School of Business from 1998 – 2020.

Dan is the author of The Financial Advisor’s Guide to Excellence and soon-to-be-released (April 2023) “Building Bigger & Better: Growth Strategies of Top-Producing Financial Advisors.”

Learn more: https://advice2advisors.ca/

Real estate investor and private money lender, Alprentice “Al” Watson, recently shared his expertise on the state of the real estate market and the benefits of private money lending on Fox TV’s Morning Blend.

Real estate investor and private money lender, Al Watson, shared his expertise on the state of the real estate market and the benefits of private money lending on Fox TV’s Morning Blend. Watson explained how real estate investors can take advantage of the current buyers’ market, and highlighted the advantages of private money lending, including a level of protection between borrower and property and the lack of personal debt. Watson’s appearance provided valuable insights for those interested in real estate investing.

Watson shared his belief that now is a great time to be a real estate investor, with 16 million vacant homes in the US and an average sale price of $81,000, highlighting the opportunities for investors to purchase non-owner-occupied properties at a good value.

“There are three main differences between private money lending and the traditional bank,” he said.

1. “When it comes to private money, we are a commercial lender. We lend business to business, we don’t lend to individuals. Lending to a business adds a level of protection between you and your property with the property and the loan being your company’s name.

2. We encourage investing in multiple properties, we see it as experience where a bank may see it as risk.

3. Our debt doesn’t show up on your personal credit report. If you’re in the market, looking for a home for your family, our loan won’t affect your debt-to-income ratio” explained Watson.

Watson also shared his personal experience in real estate lending, explaining how he got started during the quarantine when he had time to reflect on his life and realized he wanted to become a private money lender. He finds it rewarding to help investors learn about the process, answer their questions, and see them succeed in selling or renting their property.

Overall, Watson’s appearance on Fox TV’s Morning Blend provided valuable insights for those interested in real estate investing and highlighted the benefits of private money lending. To learn more about real estate investing and private money lending, visit breclawlenders.com.

About Breclaw Capital

Breclaw Capital is a leading real estate lending company dedicated to providing funding for today’s real estate investor’s needs. Breclaw offers real estate solutions for real estate agents, and investors buying and selling all types of real estate. With years of experience in funding of buying, selling, developing, and refinancing real estate, the team and network of real estate experts at Breclaw Capital have handled some of the most complicated real estate transactions on the market today.

“We specialize in finding funding on the timeline that works best for all parties involved. Our extensive knowledge of real estate investing, and a large network of nationwide real estate investors allows us to offer more buying choices and a wide variety of funding options for all types of investors, including financially distressed homeowners,” said Al Watson.

Overall, Al Watson’s insights on real estate investing and private money lending provide valuable information for those interested in the real estate industry. Learn more about private money lending and real estate investment strategies.

Jay Winestein discusses how to mitigate and lower taxes as much as possible to prepare for retirement. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-jay-winestein-founder-of-deepdive-retirement-discussing-taxes-in-retirement/

The level of a retiree’s post-tax liabilities can have a large effect on the quality of retirement.

Utilizing pre-tax 401ks, 403b, Deferred comp plans, IRAs, etc. while working are good for tax deductibility and for those looking to lower their current taxable income and taxes.

Moving forward, however, the resultant future tax liabilities at retirement can be relatively quite large. Distributions from the pre-tax accounts will likely appear on the tax return as earned income and may also affect the taxability of  Social Security benefits negatively.

The taxes rates will be the current rates at the time of distribution, whether higher or lower – compared to the time deposits were made and deductions were received.

This podcast starts to delve into some of the key tax issues in retirement and what can be done to create a tax-free, or a mostly tax-free retirement. Some of them include funding Roths, Roth conversions, and using other post-tax savings and investment vehicles that offer tax advantages.

One key is to diversify tax-wise and to use all of the tax classes, so can there are more options to combat tax law changes and needed liquidity. Outmaneuvering taxes can be more easily accomplished if there are more places to access cash.

With careful planning and proactive effort, people can lower their taxes and enjoy the retirement of their dreams.

Jay shared: “The key to successful tax management when preparing for retirement is to take a current and detailed inventory of all positions. Next, it’s crucial to make projections to see where the tax liabilities will show up, given the current direction of the deposits made. Then different if/then scenarios to create more tax efficiency can be examined.

 With careful preparation and strategic planning, you can save more money on taxes and enjoy a more comfortable retirement.”

About Jay Winestein

Jay Winestein helps retirees get more income using several powerful and time-tested strategies. His unique message, based on his years in the small business pension space, uses the same actuarial (pension) tables and calculations that large corporate pension designers use. It can add peace of mind in retirement.

Book a Call with Jay:
https://calendly.com/jay-winestein/retirement-evaluation-with-jay

Recent News and Interviews

Discussing Life Expectancy Credits

https://authoritypresswire.com/jay-winestein-founder-of-deepdive-retirement-interviewed-on-the-influential-entrepreneurs-podcast-discussing-life-expectancy-credits/

Discussing Advanced Life Expectancy Credits

https://authoritypresswire.com/jay-winestein-founder-of-deepdive-retirement-interviewed-on-the-influential-entrepreneurs-podcast-discussing-advanced-life-expectancy-credits/

Jay Winestein discusses how a sequence of returns can affect a retiree. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-jay-winestein-founder-of-deepdive-retirement-discussing-life-expectancy-credits-part-2/

The sequence of returns issue, the order of the returns in a portfolio, can become problematic for a retiree when they call it quits and retires and then needs to draw a regular income from the investment account.

In particular, problems can occur when there are losses or lower returns than the withdrawal rate plus fees. For example, when a portfolio loses 10% and the withdrawal is 5%, with a 1.5% fee, there’s a 16.5% drop in the account. The following year’s return would need to replenish 16.5% plus the following year’s 5% withdrawal, preferably indexed for inflation plus the fee, to square up and be even.

And so on for subsequent years.

There’s now a higher demand for a continued favorable “sequence of returns” to keep an account “green” as the account is charged to provide paycheck replacing income rather than simply accumulate without the withdrawals. Over time, the math of it – the ups and downs of the returns may or may not work out in the retiree’s favor.

Jay explained: “The risk of unfavorable sequences could cause damage to a retiree’s ability to sustain regular income, indexed for inflation, especially if a surviving spouse lives past life expectancy.

By understanding the sequence of returns, retirees can better prepare themselves for whatever market conditions they may face in retirement and create a well-diversified portfolio that can withstand periods of turbulence. Understanding this concept is vital to have a secure retirement plan.” 

About Jay Winestein

Jay Winestein helps retirees get more income using several powerful and time-tested strategies. His unique message, based on his years in the small business pension space, uses the same actuarial (pension) tables and calculations that large corporate pension designers use. It can add peace of mind in retirement.

Book a Call with Jay: https://calendly.com/jay-winestein/retirement-evaluation-with-jay

Recent News and Interviews

Discussing Life Expectancy Credits – Part 1

https://authoritypresswire.com/jay-winestein-founder-of-deepdive-retirement-interviewed-on-the-influential-entrepreneurs-podcast-discussing-life-expectancy-credits/

Nick Bliss discusses how Clear Strategy aims to provide confidence around financial planning by utilizing its experienced advisors to create a customized plan tailored to better support their clients’ financial, family, and life goals.

Retirement planning is integral to financial planning and needs to be considered from a holistic perspective. Retirement planning encompasses more than simply ensuring that one has enough money saved for retirement, but also a plan for using those funds most effectively throughout retirement years. Retirement planning must consider the changing needs of individuals over time as well as account for potential unanticipated changes in circumstances or health issues – all while maintaining desired lifestyle goals.

Some key elements to include when considering a holistic approach to retirement planning are: understanding existing resources, determining current expenses and projecting future ones, setting long-term goals and objectives, assessing investment options, creating a tax strategy, weighing insurance coverage options, setting up estate plans and creating legacy plans. Understanding existing resources includes taking inventory of current assets such as cash, investments, and pension plans. Retirement planning then involves using the available resources to create a budget that will provide the desired lifestyle during retirement.

Ultimately, considering a holistic approach to retirement planning offers individuals the best chance for success and peace of mind during their golden years. Retirement plans should account for current and future needs while considering changing scenarios. Retirement planning should also consider ways to minimize taxes and maximize return on investments, including insurance coverage options and legacy planning. A holistic approach to retirement planning can help provide financial security and peace of mind for years to come.

Listen to the interview on the Business Innovators Radio Network:  

https://businessinnovatorsradio.com/interview-with-nick-bliss-partner-financial-advisor-with-clear-strategy-discussing-a-holistic-approach-to-retirement-planning/

Bliss says: “I understand that everyone has unique goals and circumstances. My role is to assist in your journey and provide guidance alongside you. Our team uses a comprehensive approach to assist in implementing your vision as we navigate life together. As a partner in your financial well-being, I strive to gain an understanding of each client as an individual. This allows me to provide a personalized approach for every stage of life.”

About Nick Bliss

Nick is passionate about bringing financial planning to the next level as the industry demand grows stronger. He studied accounting at Saginaw Valley State University and has Series 7,66, Life, Accident, Health Insurance, and Variable Annuity licenses. He has traveled many career paths along the way, and all those roads have lead him to where he is today. Since 2012 he has been partnering with clients along their financial journey and helping them with their quest to live their best life.

Learn More: https://myclearstrategy.com/

Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.

The views expressed are not necessarily the opinion of this podcast interview, and should not be construed directly or indirectly, as an offer to buy or sell any securities or services mentioned herein. Investing is subject to risks including loss of principal invested. Past performance is not a guarantee of future results. No strategy can assure a profit nor protect against loss. Please note that individual situations can vary. Therefore, the information should only be relied upon when coordinated with individual professional advice.

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. 

Recent News and articles:

Discussing Legacy & Estate Planning

https://authoritypresswire.com/nick-bliss-partner-financial-advisor-with-clear-strategy-interviewed-on-podcast-about-legacy-estate-planning/

Discussing the Benefits of Working with a Financial Professional For Retirement

https://authoritypresswire.com/nick-bliss-partner-financial-advisor-with-clear-strategy-interviewed-on-podcast-about-the-benefits-of-working-with-a-financial-professional-for-retirement/

Jay Winestein discusses how Life Expectancy (LE) Credits can help sustain retirement income. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-jay-winestein-founder-of-deepdive-retirement-discussing-life-expectancy-credits/

Large-scale pensions rely on the idea of how long individuals live in large groups.

Life Expectancy (LE) credits are a crucial part of this large group actuarial concept that can add significant value to an individual’s retirement income.

To simplify a sophisticated idea, in a large group of 100,000 individuals, some will live to total life expectancy or beyond, and some will fall short. The LE credit can increase the payout factor or percentage that an individual can receive for income, regardless of the rate of return in the pension. This creates a windfall of assets that can be used to support those living longer.

Jay explained: The LE credit is available to anyone who understands the concept of life expectancy and can be employed in retirement to protect against running out of money in later years.

LE credits can be plotted and used to offset inflation with higher and higher payout factors available, deploying a tiered format in addition to positive rates of returns. They can help individuals plan for the future with contractually guaranteed income. Knowing this information can help people determine the best course of action for their retirement and reassure them that their money will stretch further, allowing them to make better choices to suit their needs.

Overall, life expectancy credits are essential in helping individuals plan and prepare for retirement. Not only do they provide peace of mind and financial security, but they can also give retirees confidence in knowing that they have adequately prepared themselves for life after work. With these credits, people can enjoy a secure and comfortable retirement without worrying about running out of money.

About Jay Winestein

Jay Winestein helps retirees get more income using several powerful and time-tested strategies. His unique message, based on his years in the small business pension space, uses the same actuarial (pension) tables and calculations that large corporate pension designers use. It can add peace of mind in retirement.

Book a Call with Jay:
https://calendly.com/jay-winestein/retirement-evaluation-with-jay

Nick Bliss discusses how Clear Strategy aims to provide confidence around financial planning by utilizing its experienced advisors to create a customized plan tailored to better support their clients’ financial, family, and life goals. Whether it’s a newly empty nest, marriage, divorce, moving, a big promotion at work, aging parents, selling a business, or starting a new one…change is inevitable. Everyone wants a golden retirement. But saving for retirement is no easy task. The baby boomer generation is graying. More and more people are approaching retirement age. With Social Security’s assets being consumed and the number of workers supporting it shrinking, they will have to rely more on personal savings when it’s time to retire.

Listen to the interview on the Business Innovators Radio Network:  

https://businessinnovatorsradio.com/interview-with-nick-bliss-partner-financial-advisor-with-clear-strategy-discussing-legacy-estate-planning/

Bliss says: “I understand that everyone has unique goals and circumstances. My role is to assist in your journey and provide guidance alongside you. Our team uses a comprehensive approach to assist in implementing your vision as we navigate life together.

As a partner in your financial well-being, I strive to gain an understanding of each client as an individual. This allows me to provide a personalized approach for every stage of life.”

About Nick Bliss

Nick is passionate about bringing financial planning to the next level as the industry demand grows stronger. He studied accounting at Saginaw Valley State University and has Series 7,66, Life, Accident, Health Insurance, and Variable Annuity licenses. He has traveled many career paths along the way, and all those roads have lead him to where he is today. Since 2012 he has been partnering with clients along their financial journey and helping them with their quest to live their best life.

Learn More: https://myclearstrategy.com/

Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.

The views expressed are not necessarily the opinion of this podcast interview, and should not be construed directly or indirectly, as an offer to buy or sell any securities or services mentioned herein. Investing is subject to risks including loss of principal invested. Past performance is not a guarantee of future results. No strategy can assure a profit nor protect against loss. Please note that individual situations can vary. Therefore, the information should only be relied upon when coordinated with individual professional advice.

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. 

Recent News and Interviews

Discussing the Benefits of Working with a Financial Professional For Retirement

https://authoritypresswire.com/nick-bliss-partner-financial-advisor-with-clear-strategy-interviewed-on-podcast-about-the-benefits-of-working-with-a-financial-professional-for-retirement/

Stephen Ross discusses how he serves his clients by making the best decisions on health Insurance. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-stephen-ross-ceo-of-ross-insurance-brokers-dave-ramsey-trusted-provider-discussing-health-insurance/

When making decisions about health insurance, people must consider their needs and preferences.

They should consider the type of coverage they need (e.g., preventive care or chronic illness management) and whether they have specific providers that they want to use. Also, compare deductibles, copayments, coinsurance, out-of-pocket limits, prescription drug plans, and network size before making a decision. Make sure to understand any exclusions for pre-existing conditions and consider potential tax savings with an HSA or FSA plan. It’s also important to look at the overall cost of premiums versus what they get in return from the plan and make sure it fits into their budget. By considering all these factors when selecting their health care plan, they can be assured that they are making the best decision for their needs.

Once people have evaluated all their options, it is crucial to compare health plans against one another to make an informed decision about which program is best for them and their families. Using online comparison tools and speaking with a healthcare advisor, they can easily compare features like premiums, deductibles, and copays of different plans.

They should also double-check that any specific providers they need or want to use are in-network before signing up for a particular plan. Finally, when choosing between multiple potential scenarios, it may help to talk through the pros and cons of each option with someone who can provide an impartial opinion on what makes sense given their situation. With these tips, they can ensure that they are selecting the best healthcare plan for their needs.  

In addition, Stephen says: “When considering your health care plan, it’s important to look for additional features that may be beneficial. Some plans offer coverage for preventive services like annual physicals and vaccinations at no extra cost—which can help keep you and your family healthy year-round. Other plans may include certain wellness programs or access to telemedicine services, which could save you time and money when seeking routine care. Many health plans also include discounts such as gym memberships or nutritional counseling. By taking the time to understand what each plan offers in terms of benefits, you will be better equipped to choose the right one for you and your family.”

Client Tabea Goossen says: “I needed medical insurance and discovered that Obamacare was unaffordable. I tried Dave Ramsey’s ELP program and was contacted by Ross Insurance Brokers. I was able to reduce my medical, home, and auto insurance costs, and I was treated professionally in the process.”

About Stephen Ross

He was born and raised in New Zealand. He completed Bible college in World Missions at the age of 24 in Singapore. His hope was to be involved in the missions in Asia. He was newly
married and needed to find a job so he can provide for his family and so he had to put missions on hold to establish a family in New Zealand.

In 1998, he was offered an opportunity as an Insurance Agent and thought to give it a try. He
realized that he really enjoys getting to know each family members and having the ability to
design an insurance plan that would meet their specific needs and budget. This began his passion for helping families and individuals through the insurance industry, as well as living an example of faith in the business world.

He decided to relocate his family to Portland Oregon in 2002, where he began working for
New York Life. During that time, he took Dave Ramsey’s Financial Peace University through
his church. This class totally changed his way of thinking about insurance and inspired him to
work independently. In 2003, he quit New York Life and began the adventure of Ross Insurance Brokers out of his garage. By 2007, Ross Insurance Brokers was officially incorporated! He then focused on building a team and the company expanded into other lines of insurance.

He has found that each team member has their own strength which provides a better client
experience. Teamwork is a very important value of who they are today! He loved what he had learned through Dave Ramsey’s programs and decided that he wanted to partner with his company, Ramsey Solutions. He became a Dave Ramsey Health Endorsed Local Provider for Oregon in 2011 and quickly expanded to several states. His heart was to make sure everyone would get the best value and price for their policies. He approached each policy as if he were purchasing them himself and applied the common knowledge of what Dave Ramsey talks about.

Business for Ross Insurance Brokers, Inc. continued to grow. They have been in the business for 22 years now and are working hard to continuously provide excellent care for their customers. They are a Dave Ramsey Health ELP in 14 states. They now have a full team dedicated to making sure that every client is provided with education and genuine care for their specific journey.

His goal as the CEO and President of Ross Insurance Brokers, Inc. is to show that the company values people before profit, that they will be innovative in their solutions to meet each individual’s needs, and will strive for excellence in all that they do.

With his wife from Singapore and his heart for mission it is their desire to use their company to give back to the less fortunate in Asia. Today, both his children, Josh and Grace work with him as they grow their mission to help families around the world.

With Covid, the team has changed; they used to have an office but have found that even
working remotely they are able to work effectively and are able to serve their clients as
as efficiently as possible. Their team is located throughout the country and in the Philippines.

Set an appointment with one of the advisors in their office. https://rossbrokers.com/

Recent News:

Discussing Term Life Insurance

https://authoritypresswire.com/stephen-ross-ceo-of-ross-insurance-brokers-dave-ramsey-trusted-provider-interviewed-on-the-influential-entrepreneurs-podcast-discussing-term-life-insurance/

Jay Hummel discusses the best practices for financial planning firms that want to grow revenues with operational effectiveness. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-jay-hummel-ceo-and-co-founder-of-wealth-advisor-growth-network-wagn/

Financial planning firms are in an ideal position to capitalize on growth opportunities with increased operational effectiveness. By following best practices for financial planning, firms can maximize their profits and minimize potential losses due to inefficient business operations.

One of the essential steps in any effective financial plan is establishing a budget that sets the parameters for how much money should be spent and where it should be allocated. Budgeting helps ensure all expenditures are planned out, considering short-term and long-term goals. It also provides a roadmap that outlines how much money needs to be generated to meet financial objectives, enabling firms to make informed decisions about investments and strategies required to achieve them. Additionally, having a budget allows managers to track progress and make necessary changes when needed.

Another essential aspect of effective financial planning is the identification of revenue streams that offer the best growth potential. This requires a deep analysis of market trends and customer needs to determine where opportunities lie. Once identified, firms can create strategies to capitalize on these revenue sources while minimizing associated risks. Additionally, firms must consider their capabilities and resources available to ensure they are appropriately equipped to maximize return on investments.

Jay explained: “Leveraging technology can have a tremendous impact on operational efficiency for financial planning firms. Automating processes such as account management, invoicing, budgeting, and reporting can help streamline operations and free up valuable time for other tasks. Additionally, incorporating analytics tools into decision-making processes helps managers better understand their customers, identify areas of improvement and optimize resources to ensure maximum returns.”

By following best practices for financial planning, firms can maximize profits and minimize losses associated with inefficient business operations. By establishing a budget, identifying potential revenue streams, and leveraging technology, financial planning firms can increase their operational effectiveness and position themselves for long-term growth. With the right strategies, these firms can realize greater profitability and success. Additionally, managers must stay informed about industry trends and adapt accordingly. Keeping up with advances in technology and understanding customer needs are essential components of successful financial planning businesses. This allows firms to remain competitive while positioning them for success in an ever-changing market.

About Jay Hummel

Jay Hummel is the CEO and co-founder of Wealth Advisor Growth Network (WAGN), a company focused on taking minority stakes in wealth management firms and service providers. WAGN acts not only as an investor but also as an active partner in running the businesses. Prior to founding WAGN, Jay was a Senior Vice President and Head of American Century Investment’s Personal Financial Solutions Business. Jay was responsible for the strategic and executional oversight of teams serving 600,000 individual and small retirement clients with $42B in assets under management.

He is a former Managing Director of Envestnet (ENV) where he served as the Head of Strategic Initiatives and Thought Leadership. Jay is the former President and Chief Operating Officer of Lenox Wealth Management; a Cincinnati-based multi-family office and started his career in accounting and consulting at Deloitte.

Jay is a frequent industry speaker and writer. Wiley has published two of his books:  Success and Succession and The Essential Advisor. Success and Succession were named by wealthmanagement.com as their book of the decade for 2010-2019. 

He is also the host of The Deep Dive Podcast in partnership with RIA Channel. 

Learn more: https://wagn.biz/

https://www.riachannel.com/deepdive/

Sometimes the 12-month inflation number reflects current price trends, but often investors need to dive deeper. Take February 2020 as an example. Both the 12-month inflation rate and the 3-month inflation rate were 2.3%. The long-term and short-term trend were the same.

Very quickly though, COVID hit, people spent less and while the 12-month inflation numbers dropped, the bigger story was that inflation was negative in March-June 2020. This set up economists and politicians to call inflation ‘transitory’ a year later in Spring 2021 when in fact it wasn’t.

12-month inflation is just today’s number divided by last year’s number. The negative inflation experienced in Spring 2021 created a ‘divisor’ that was lower than it would have been without the COVID crisis creating negative inflation during that time.

When April 2021 inflation saw a jump to 4.2% many people rightly pointed out the low number from April 2020 that was being used as a divisor. What was missed was that diving deeper into the numbers investors could see 3-month inflation was more than double at 8.6%.

Today the opposite scenario seems to be occurring. The Federal Reserve continues to point to a high inflation rate while the recent trend, especially since June 2022 continues to be much lower. Consider September 2022 when the 8.2% 12-month inflation seemed to be stubbornly high. Yet the 3-month number was only 0.7%!

To summarize, today’s inflation rate is currently being overstated due to the blunt instrument of year-over-year inflation being used to report it. It is important to dive deep into the inflation numbers to understand the recent trends. Ultimately, understanding these nuances of inflation can help people make better budgeting and long-term financial planning decisions.  

Jeremy shared: “The main news stories around inflation are that the 12-month number is still high at 6.4%. Yet, that’s really a tale of two different time frames. 5-month inflation through June 2022 was higher than reported at 13.4%. Inflation the past 7 months since June is actually 1.7%. The Federal Reserve’s stated goal is 2.0% inflation and that’s been happening since June 2022! 

Most people hear, ‘inflation is…’ and they need to understand that really means, ‘inflation was…’   

Inflation was a certain percentage from January 2022 to January 2023, but that includes data that’s over 1 year old! And, if we’re looking ahead, Inflation reached some really high numbers in April – June 2022, which are likely to make the April – June 2023 inflation numbers look really good. All the signs are pointing to 12-month inflation numbers being reported as a big drop in April-June 2023.”

About Jeremy Keil

Jeremy Keil, CFP®, CFA is a retirement planning advisor and host of the Retirement Revealed podcast and blog. Go to his website to read more:
https://keilfp.com/blogpodcast/how-bad-is-inflation-really/

Disclosures:

Advisory Persons of Thrivent provide advisory services under a “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser.  Keil Financial Partners and Thrivent Advisor Network, LLC are not affiliated companies. Please visit our website www.keilfp.com for important disclosures.

Steven Lippman discusses Fixed Indexed Annuities; listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-steven-a-lippman-lutcf-mba-founder-of-lippman-insurance-group-discussing-fixed-indexed-annuities/

Steven explained: “Fixed-indexed annuities are popular retirement planning tools that offer several benefits. This type of annuity provides fixed income with the potential to earn interest linked to the rise and fall of stock market indices. By understanding the top five benefits of these annuities, you can make an informed decision about how it fits into your long-term financial strategy.”

1. Guaranteed Income Stream for Life

An individual investing in a fixed-indexed annuity is guaranteed to receive an income stream for life. This annuity is designed so that they never have less than what was invested plus any earnings over time. Additionally, the indexing feature protects the investor from losses if markets take a downturn while still allowing them to capture some gains in up markets. This makes fixed-indexed annuities attractive for those with conservative investment strategies and low risk tolerance.

2. Shelter From Losses In Down Markets

Investors are protected from losses if markets take a downturn while still allowing them to capture some gains in up markets with the indexing feature. Depending on the type of indexed annuity chosen, upside potential may be limited, and losses are continually sheltered from riskier investments like stocks, mutual funds, and ETFs. This makes fixed-indexed annuities appealing to those with conservative investment strategies and low risk tolerance.

3. Tax Advantages

Unlike many other types of investments, growth achieved with a fixed indexed annuity isn’t subject to taxation until it is withdrawn – making it an attractive tax shelter when saving funds for retirement or other goals down the road. If withdrawals are taken before age 59½, certain tax penalties may be discussed with a financial advisor before taking withdrawals early in the contract period.

4. Access To Funds Without Market Risk
Withdrawals from fixed-indexed annuities are not subject to fluctuations in market performance like most other types of investments. This makes them an attractive option when accessing cash without risking principal value or earning potential from stocks, bonds, or other market products with higher levels of volatility. Furthermore, suppose funds are left untouched during withdrawal periods. In that case, they continue earning according to their respective contracts without taking away from the initial coverage amount so long as premium payments continue and riders remain active where applicable.

5. Additional Features & Benefits For Certain Policies

Some policies come with additional features and benefits such as contractual guarantees for minimum interest rates, tax-deferred growth, death benefit riders, waiver (or elimination) of surrender charges, cost-of-living adjustment provisions, spousal continuation options, and return-of-premium options, among others. Each policy will differ in coverage amounts and any extra features offered depending on issuer choices, so it’s crucial to thoroughly assess each plan before signing up.

Lippman concluded, “By understanding these key benefits associated with fixed indexed annuities, you can make a more informed decision about whether this retirement tool is right for meeting your personal financial objectives.”

Norma H. Engelhardt from Palm Beach Gardens, Fl, says: “We have been clients of Steve Lippman since 1990. We have bought life insurance, indexed annuities, Medicare supplements, and long-term care policies from him, but the best thing he has done for us was to guide us as we moved our IRA account into an indexed annuity. When the market corrected in 2008, we were protected. Our friends who were still invested fully in the stock market were envious. Thank you, Steve!! You are a true professional and a trusted advisor and we have referred you to many of our friends.”

About Steven A. Lippman, LUTCF, MBA

Lippman Insurance Group, LLC, is an insurance agency in Boca Raton, FL & Alpharetta, GA headed by Steve Lippman, LUTCF, MBA. Steven has over 30 years of experience with various types of insurance for both individuals and businesses, securing families and business owners and their assets. He also works with local estate attorneys and CPA’s to provide a range of sophisticated services to clients.

After growing up in New Jersey, Steve earned a B.A. in Economics from Vanderbilt University and an MBA in Marketing Research from Cornell University. An avid fitness, music, and sports enthusiast, Steven has been a devoted coach of local youth soccer, baseball, and hockey leagues.

Contact them and receive a free analysis and a proposal from one of the dozens and dozens of fine insurance companies they represent.

It’s time to address the potential financial catastrophe that will occur if anyone ever needs to pay out of pocket for home health care or facility care!

Learn More: https://lippmaninsurancegroup.com/

Recent news and interviews

Discussing Long-Term Care

https://authoritypresswire.com/steven-a-lippman-lutcf-mba-founder-of-lippman-insurance-group-interviewed-on-the-influential-entrepreneurs-podcast-discussing-long-term-care/

Discussing Hybrid Life Long-Term Care Plans

https://authoritypresswire.com/steven-a-lippman-lutcf-mba-founder-of-lippman-insurance-group-interviewed-on-the-influential-entrepreneurs-podcast-discussing-hybrid-life-long-term-care-plans/

Scott MacKillop discusses the top benefits of using a Turnkey Asset Management Provider for financial planning firms. 

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-scott-mackillop-ceo-of-first-ascent-asset-management/

Scott explained: “One of the major advantages of using a turnkey asset management provider is that they offer various services to help manage investments more efficiently. This includes research and analysis, portfolio optimization, performance monitoring, risk management, rebalancing, tax planning, and cost savings. They can also provide advice on how to utilize resources best. Additionally, they can handle the paperwork associated with investing, such as documentation and compliance regulations.”

Turnkey asset managers are also well-versed in financial planning concepts and regulations. As these professionals know the latest industry trends and understand legal obligations related to investing money in clients’ accounts, firms often rely on them for guidance when making important decisions about their financial future. They provide valuable insight that can help a firm make the right decisions and stay compliant.

With all these advantages, it’s easy to see why financial planning firms are turning to turnkey asset management providers for assistance in managing their investments. These professionals often have relationships with major institutions that offer better terms than those available in the open market. As such, they can secure more favorable pricing when it comes to investments and help clients maximize their returns.

With the help of a turnkey asset manager, financial planning firms can make sound decisions that will benefit both themselves and their clients. These professionals have a wealth of knowledge and experience in risk management and portfolio optimization, so they can help people make the most of their resources. They work hard to ensure that their client’s money is well-managed and protected per industry regulations—allowing them to focus more time on building successful plans for their client’s financial futures. In addition, turnkey asset management providers can often guide how to allocate future investments best, ensuring that firms take advantage of all available options for growing their financial portfolios.

About Scott MacKillop

Scott MacKillop is CEO of First Ascent Asset Management, the first flat-fee turnkey asset management program (TAMP).

First Ascent has been ranked by advisors as the #1 TAMP for the past 3 years (2022, 2021, 2020) in the T3/Inside Information Advisor Software Survey.

Last year Scott won the “CEO of the Year–Asset Managers” WealthManagement.com Industry Award and a ThinkAdvisor Luminaries Award for Executive Leadership.

Scott has served as president or CEO of 5 TAMPs and is a pioneer in the TAMP industry.

Scott has written over 160 articles and papers on investment-related and practice management topics and has spoken at over 100 conferences, webinars, and podcasts.

Learn more: https://firstascentam.com/

Because Social Security is a necessary part of a comprehensive retirement income strategy, there are important considerations before choosing to claim early. Working with a financial professional is crucial in coordinating these types of benefits.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-andrew-carrillo-president-and-founder-of-barnett-capital-advisors-discussing-social-security-claiming-options/

When deciding when to claim Social Security, it is crucial to understand the impact that this decision will have on retirement. Different claiming strategies, such as delaying or changing benefits, may affect the total lifetime Social Security benefit and other aspects of retirement income.

If someone is married, their spouse’s benefit is also impacted by them claiming Social Security. If one spouse dies before the other does, the survivor can receive the deceased’s benefit if it is higher than their own. Therefore, deciding when to claim Social Security could help protect their family in case of death or disability. Also, it’s essential to consider that life expectancy affects social security claiming decisions. Individuals who live longer (or those with a family history of longevity) might want to wait until later to claim Social Security to maximize their benefits.

 Carrillo shared: “When people decide to take Social Security, they must understand how their retirement income will be impacted by claiming at different ages. They should also research and consider any additional benefits that may become available due to taking their social security earlier or later than planned. Calculating potential outcomes when deciding when to claim Social Security can help ensure they get the most out of their retirement income plan. Traditional break even analysis ios typically not the best way.   social security straetgies shouldn’t just maximize social security but it’s total income to your household that matters most. “

If someone has questions about how Social Security claiming impacts their retirement, it is best to speak with a financial advisor. A financial advisor can provide advice tailored to their situation and help them decide when to claim Social Security.

Understanding how Social Security – claiming impacts retirement is essential in creating a successful retirement income plan. Researching and discussing options with a financial advisor can help people make informed decisions about when to claim Social Security and maximize their benefits. Doing so could lead to a more secure retirement for them and their family.

Andrew said: “At Barnett Capital Advisors, we are dedicated to providing investment management and strategic wealth planning that is specific to you and your situation. Simply put, we strive to be our client’s trusted advisors. As a financial advisory firm, our primary focus is to provide unbiased opinions that are designed to achieve long-term investment results. We are dedicated to professionally supporting, educating, and providing informed direction to each and every client and we do this with the highest levels of trust, integrity, and respect while always collaborating using a team approach.”

About Andrew Carrillo

Andrew E. Carrillo is the President and Founder of Barnett Capital Advisors LLC. He began his career as a Financial Advisor at Ameriprise Financial Services, Inc. in 2007 but decided to depart from the firm in late 2009 to allow him to focus more on serving his clients and fine-tuning his investment process. After working for a few years as an independent financial advisor at Invest Financial Corporation (2009-2012), he founded Barnett Capital Advisors in 2012, a registered investment advisor in the State of Florida, with a vision that investors deserved better investment strategies for growth.

Throughout his career, Andrew Carrillo has earned the designation of Certified Financial Planner (CFP®), Accredited Wealth Management AdvisorSM (AWMA®), and Chartered Retirement Planning CounselorSM (CRPC®), each of which requires advanced financial planning studies and adherence to a strict code of professional conduct.

Andrew Carrillo is a CFP Designee. The CFP designation is considered the most prestigious and sought-after designation in the Financial planning industry. Members adhere to the highest standards of professional competence, ethical conduct, and clear, complete disclosure to those they serve.

As a CFP designee and Investment Advisor, Andrew Carrillo is held to a fiduciary standard with his clients, the highest standard for customer care under law. Andrew lives every day believing his client’s best interests are his as well.

Andrew Carrillo completed his undergraduate degree at Florida State University earning a Bachelor’s Degree in International Affairs with a focus in Finance. He is a graduate of the University of Pennsylvania, Wharton School Portfolio Management and Investment Strategies Program.

His clients are primarily high net worth Baby-boomers, Families, Retirees, Pre-retirees, and Institutions.

When he’s not helping clients reach their financial goals, Andrew is usually spending time with his family or studying and staying current with economic and financial planning topics. Andrew was born and raised in New York, but has enjoyed living in South Florida for the last 20 years and currently lives in Miami.

Learn More: http://www.barnettcapitaladvisors.com/

Investment Advisory Services are provided by Barnett Capital Advisors a Registered investment advisor.

Recent News and Interviews

Discussing Asset Allocation in Retirement Portfolios

https://authoritypresswire.com/andrew-carrillo-president-and-founder-of-barnett-capital-advisors-interviewed-on-the-influential-entrepreneurs-podcast-discussing-asset-allocation-in-retirement-portfolios/

Discussing The Importance of Working with a Financial Planner Who is a Fiduciary

https://authoritypresswire.com/andrew-carrillo-president-and-founder-of-barnett-capital-advisors-interviewed-on-the-influential-entrepreneurs-podcast/

Steven Lippman discusses Hybrid Life/Long-Term Care Asset Protection Plans.

Listen to the interview on the Business Innovators Radio Network:  

https://businessinnovatorsradio.com/interview-with-steven-a-lippman-lutcf-mba-founder-of-lippman-insurance-group-discussing-hybrid-life-long-term-care-plans/

Steven explained: “Hybrid life long-term care plans offer a range of benefits, enabling individuals to remain independent and in control of their own financial lives for as long as possible.  Additionally, hybrid plans often provide additional features such as inflation protection or waivers of premiums if health deteriorates.”

Hybrid life long-term care plans are also beneficial in terms of estate planning. Providing a range of options for funding and managing long-term care expenses enables individuals to ensure that their assets will be protected in the event of illness or injury. This peace of mind is invaluable for many families.

Overall, hybrid life long-term care plans offer various benefits that can help individuals remain independent and financially secure as they age. With careful planning, these plans can provide an excellent way to protect one’s health and financial future.

Additionally, hybrid plans are often less expensive than traditional long-term care policies, making them a more attractive option for those looking to save money. They are also more flexible and can be tailored to an individual’s specific needs and circumstances. This means that individuals have greater control over their care as they age. With all these advantages, hybrid life long-term care plans are becoming increasingly popular among older adults.

About Steven A. Lippman

Lippman Insurance Group, LLC, is an insurance agency in Boca Raton, FL & Alpharetta, GA headed by Steve Lippman, LUTCF, MBA. Steven has over 30 years of experience with various types of insurance for both individuals and businesses, securing families and business owners and their assets. He also works with local estate attorneys and CPA’s to provide a range of sophisticated services to clients.

After growing up in New Jersey, Steve earned a B.A. in Economics from Vanderbilt University and an MBA in Marketing Research from Cornell University. An avid fitness, music, and sports enthusiast, Steven has been a devoted coach of local youth soccer, baseball, and hockey leagues.

Contact them and receive a free analysis and a proposal from one of the dozens and dozens of fine insurance companies they represent.

It’s time to address the potential financial catastrophe that will occur if anyone ever needs to pay out of pocket for home health care or facility care!

Learn More: https://lippmaninsurancegroup.com/

Recent News and Interviews

Discussing Long-Term Care

https://authoritypresswire.com/steven-a-lippman-lutcf-mba-founder-of-lippman-insurance-group-interviewed-on-the-influential-entrepreneurs-podcast-discussing-long-term-care/

Stephen Ross discusses how he serves his clients by making the best decisions on term life insurance and able the new type of term life with living health benefits that can pay out while you are alive.

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-stephen-ross-ceo-of-ross-insurance-brokers-dave-ramsey-trusted-provider/ 

When making decisions about term life insurance, one must consider their current financial situation and long-term goals when selecting the right option. It’s also essential to determine how much life insurance they need to cover potential costs such as funeral expenses, medical bills, and any debts or outstanding loans. Different factors will affect how much coverage people should purchase, including age, income level, number of dependents, and health history. There are three major areas people need term life insurance to cover; these are pay off debts, income for dependents and the loss of retirement fund for the spouse.

Most of the term life insurance today, it only pays out if you die or if you have 12 months or less to live. The new type of term life will pay out with no added cost for critical illness or a term life insurance policy. It’s important to compare prices to get the best value and coverage. It’s helpful to evaluate the features offered by different companies to determine which is the most suitable for a person’s needs and to consider factors such as the cost of premiums, death benefit amounts, and riders available with each policy before making a decision.

Stephen says: “Remember that life insurance is an investment for your family’s future and provides vital financial protection in times of need. Investigate all of your options carefully before selecting a policy so you can be sure you have chosen the right type of protection. With the right research and guidance, you can find a term life insurance policy that is right for you.”

Client Sheri Louthan says: “They have covered all our insurance needs for home, life, long-term care and vehicles quickly, with great communication and just the right products. ”

Client Tabea Goossen says: “I needed medical insurance and discovered that Obamacare was unaffordable. I tried Dave Ramsey’s ELP program, and was contacted by Ross Insurance Brokers; I was able to reduce my medical, home, and auto insurance costs, and I was treated professionally in the process.”

About Stephen Ross

He was born and raised in New Zealand. He completed Bible college in World Missions at the age of 24 in Singapore. His hope was to be involved in the missions in Asia. He was newly married and needed to find a job so he can provide for his family and so he had to put missions on hold to establish a family in New Zealand.

In 1998, he was offered an opportunity as an Insurance Agent and thought to give it a try. He realized that he really enjoys getting to know each family members and having the ability to design an insurance plan that would meet their specific needs and budget. This began his passion for helping families and individuals through the insurance industry, as well as living an example of faith in the business world.

He decided to relocate his family to Portland Oregon in 2002, where he began working for New York Life. During that time, he took Dave Ramsey’s Financial Peace University through his church. This class totally changed his way of thinking about insurance and inspired him to work independently. In 2003, he quit New York Life and began the adventure of Ross Insurance Brokers out of his garage. By 2007, Ross Insurance Brokers was officially incorporated! He then focused on building a team and the company expanded into other lines of insurance.

He has found that each team member has their own strength which provides a better client experience. Teamwork is a very important value of who they are today! He loved what he had learned through Dave Ramsey’s programs and decided that he wanted to partner with his company, Ramsey Solutions. He became a Dave Ramsey Health Endorsed Local Provider for Oregon in 2011 and quickly expanded to several states. His heart was to make sure everyone would get the best value and price for their policies. He approached each policy as if he were purchasing them himself and applied the common knowledge of what Dave Ramsey talks about.

Business for Ross Insurance Brokers, Inc. continued to grow. They have been in the business for 22 years now and are working hard to continuously provide excellent care for their customers. They are a Dave Ramsey Health ELP in 14 states. They now have a full team dedicated to making sure that every client is provided with education and genuine care for their specific journey.

His goal as the CEO and President of Ross Insurance Brokers, Inc. is to show that the company values people before profit, that they will be innovative in their solutions to meet each individual’s needs, and will strive for excellence in all that they do.

With his wife from Singapore and his heart for the mission it is their desire to use their company to give back to the less fortunate in Asia. Today, both his children, Josh and Grace work with him as they grow their mission to help families around the world.

With Covid, the team has changed; they used to have an office but have found that even working remotely they are able to work effectively and are able to serve their clients as efficiently as possible. Their team is located throughout the country and in the Philippines.

Set an appointment with one of the advisors in their office. https://rossbrokers.com/

Josh Millang discusses IRA Maximization Concepts.

 Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-josh-d-millang-president-of-retirement-protectors-discussing-ira-maximization-concepts/

Maximizing an IRA is a smart financial move that can help people build economic security for themselves and their families. There are several strategies they can use to maximize the potential of their IRA, such as contributing the maximum amount allowed by law, taking advantage of tax-deferred growth, and utilizing catch-up contributions if they’re over 50.

Contributing the Maximum Amount Allowed by Law: As long as a person is below a certain income level, it’s possible to contribute up to $6,000 each year into their traditional IRA ($7,000 for those age 50 or older). This contribution limit increases each year with inflation. They can quickly accumulate retirement savings by maxing out their IRA contributions each year.

Taking Advantage of Tax-Deferred Growth: With a traditional IRA, people can defer taxes on their contributions and any growth until withdrawal. This means that contributions are tax-deductible in the year they were made, and no taxes are due on earnings or other gains until distributions are taken from the account. By taking advantage of this tax-deferral feature, people can significantly increase the potential of their retirement savings over time.

Utilizing Catch-Up Contributions: If someone is 50 or older, they may qualify for additional “catch-up” contribution limits, allowing them to contribute an extra $1,000 per year into their traditional IRA accounts for a total contribution limit of $7,000. This can help them make up for any lost contributions throughout their working years and add valuable savings to their retirement portfolio.

Josh explained: “By taking advantage of these IRA maximization strategies, you’ll be able to maximize the potential of your retirement savings while still having the flexibility to withdraw funds when needed. An IRA can be a powerful tool for building wealth and creating financial security. With the right planning and preparation, you can ensure that you’re in a comfortable position for retirement when the time comes. It’s important to remember that an IRA is only one part of a larger financial plan—so be sure to consult with a financial advisor or another qualified professional if you need help with your individual retirement plan. With an understanding of the various strategies available to maximize your IRA, you can make the most of your savings and ensure a comfortable retirement.”

About Retirement Protectors

RPI has been actively managing Health, Wealth, and Legacy solutions for over 2,000 retiree clients from our Central Iowa Headquarters since 2008. They are an established succession planning firm for retiring Medicare Insurance Agents and a Wealth/ Legacy Resource for a growing Network of Elite Independent Senior Market Advisors.

HEALTH- With their proprietary Carrier Connect Platform, they educate Medicare Beneficiaries on the multitude of plan types and companies available in their local market, set expectations for their optimal healthcare experience, and support them over time with our Proactive Service Model (TM)

WEALTH- Financial professionals do fabulous work getting people to retirement, so they can work with them. They leverage the strategies, tactics, products, and technology to craft bulletproof retirement income strategies- for retirees that don’t want to run into worries or run out of money.

LEGACY- Most people prefer to leave their legacy to loved ones, rather than their greedy Uncle or a local care facility. They implement innovative planning concepts to mitigate these risks, in some cases without exclusively tying up valuable assets.

Learn More: https://www.retireprotected.com/

Recent news and interviews:

Discussing the Medicare Advantage Madness

https://authoritypresswire.com/josh-d-millang-president-of-retirement-protectors-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-medicare-advantage-madness/

Discussing Innovative Long-Term Care Strategies

https://authoritypresswire.com/josh-d-millang-president-of-retirement-protectors-was-interviewed-on-the-influential-entrepreneurs-podcast-discussing-innovative-long-term-care-strategies/

Alan Porter spent 21 years in the Army and retired as a Blackhawk Helicopter Instructor Pilot. When he left the Army, he tried real estate and mortgage lending, but it was not until he became a financial advisor that he truly found his passion after the army.

He had firsthand knowledge about the need for protection when his son became 100% disabled at 35 and four years later his son’s wife passed away from stage 4 pancreatic cancer. If it had not been for the terminal illness rider on her insurance policy that let her access up to 90% of the death benefit within one year of diagnosis, his son would have been bankrupt and took a huge financial strain off of him.

Porter started studying insurance products and what he found out was insurance products have the best tax-code approved, tax-free retirement system available today. They are the only financial vehicle that can protect if you live too long, die too soon, or get sick with many benefits you can use while still living.

Besides asset protection, Porter has become an expert in helping with TAX-FREE Long Term Care expenses, and helping families eliminate debt and become their own bank. He guides clients how to use legal financial strategies used by the wealthy and financial institutions to protect, retain, and increase their wealth: to think outside the box of conventional financial planning.

“I ask people all the time when the last time their CPA, financial advisor, or attorney ever gave them any proactive advice on saving taxes or reducing their debt. The answer is almost always never,” explained Porter.

Porter does not want to replace their current advisor. He simply wants to collaborate with them as part of the team. He has people tell him that their advisors handle all of their tax and financial decisions. He lets them know that they may have the greatest advisors in the world, but it is what they don’t know the will end up costing the client hundreds of thousands possibly millions of dollars in undue, fees, taxes, and lost opportunity costs!

As the owner of Strategic Wealth Strategies located in Fayetteville, North Carolina, and a founding member of the American Tax Planning Institute, he is a non-traditional financial advisor. His mission is to defend his clients from the enemy: excessive taxes and wealth killing financial strategies. He has been featured on ABC, NBC, CBS, FOX, and CW.

His book, Wealth Beyond Taxes, can be found on Amazon.

To listen to the full interview, visit https://businessinnovatorsradio.com/alan-porter-wealth-strategist-on-how-to-have-a-guaranteed-income-in-retirement/
To learn more about Alan Porter, visit www.AlanPorterNC.com/strategicwealthstrategies

To contact Alan Porter, call 910-551-1046 or email him at strategicwealth0@gmail.com.

There are a lot of Myths and Misconceptions about health insurance in the US. It can be confusing and frustrating to make sure the right coverage is in place. The Affordable Care Act is misunderstood by many, and a lot of people think that getting insurance through their jobs is the only cost-effective way to go, which is often not the case.

On a recent episode of Influencers Radio with Jack Mize, Insurance expert Brenda Gilliam discussed the biggest myths and misconceptions about health insurance.

During the interview, Gilliam explained how the perceived cost of health insurance is a common obstacle that prevents many from being covered, saying, “One of the biggest myths is that people feel like that they can’t afford insurance because when they’ve checked on it in the past, they’ve just got very high monthly premiums. So they just throw their hands up and kind of give up on it, thinking that they can’t afford it. And if they’re on Medicare, sometimes those people will hesitate to add the Part B because of the premium they have to pay. They don’t know that there are special programs in place that can help people pay their part of the premium, which makes the health insurance affordable. They just need a good source to go to for the correct information.”

Gilliam went on to dispel several other myths and misconceptions when it comes to insurance options for the self-employed, workers leaving jobs with insurance plans, and those approaching retirement.

When asked what fuels her passion for helping others to navigate the insurance maze, Gilliam shared her personal story, saying, “My mother had Medicare, and she just did not understand how it worked. She was one of those that thought, ‘I’ve got my Medicare; now I’m covered’.  She didn’t realize that she needed to do something on that other 20%. She was diagnosed with a serious illness and was referred to a specialist who told her that he could cure her condition, but that she needed to pay upfront, and I think that he wanted somewhere around $12,000 or $13,000. My mom didn’t have that, so he just sent her on her way. Her illness progressed, and I ended up losing my mother. It was devastating to me, but also to the whole family. When I really got into what happened, I didn’t understand insurance at the time that this had happened to my mother, I realized that it was because she didn’t have that other 20% covered. But she could have had it covered for nothing had she only been educated about it, and she would probably still be with us today, I realized that my mother is not the only one that doesn’t understand it, and I don’t want to see that happen to anyone else. So that’s when I decided I was going to switch from being a science teacher and I started educating and being a teacher of insurance, particularly Medicare, and how important it is to get that 20% covered. If I can prevent any other person from having to go through what my family had to go through and what my mother had to go through, then that makes it all worthwhile.”

Today, as the founder of Gilliam Insurance Advisor, Brenda is helping the working class, as well as the retired and semi-retired, navigate the maze of choosing the right option for themselves and their families.

Listen to the full episode at https://InfluencersRadio.com/brenda-gilliam

To learn more about Brenda Gilliam and Gilliam Insurance Advisor, visit https://GilliamInsuranceAdvisor.com

Career planning can be complicated and often overwhelming for many, with the career landscape constantly shifting. However, career success is attainable by taking some simple yet effective steps.

Morand says, “61% of college graduates wish they had a different major. College is more expensive than ever before; plan ahead on how to pay for college without affecting your retirement planning.”

Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-jeffrey-p-morand-rfc-registered-financial-consultant-college-funding-coach-discussing-career-planning/

Here are some top tips to help individuals plan their career aspirations:

– Make sure to have a clear and achievable career goal in mind. A career goal should represent long-term ambitions, so it’s essential to consider what an individual wants from their career before diving in.

– Take advantage of available resources and networks – these may include college or university career centers, online job portals, professional mentorship programs, and individual advice sessions with industry professionals.

– Monitor industry trends that could affect the chosen career path. From technological advances to career-related legislation, keeping on top of industry changes can help stay ahead of the curve and ensure that career aspirations don’t become outdated.

– Invest in self-development opportunities such as career coaching or workshops. These provide valuable insights into career planning and how to reach career goals best while connecting individuals with others with similar career objectives.

– Update the resume regularly – this is a great way to reflect on the career journey and gain perspective on where to head next. Include any new qualifications, certifications, volunteer experience, or other relevant achievements so potential employers can quickly identify their skillsets and talents.

Individuals will be well-positioned to reach their career goals by taking these steps. With proper career planning, individuals can be confident and prepared for success.

About  Jeffrey P  Morand

Jeff founded JP Morand & Company based on principles designed to assist families in creating and protecting their wealth in preparation for college planning and financially secure retirement. His approach to business is an individually focused view to helping his clients understand all options that are available to them based on their particular circumstances

Jeff takes his role as an “advisor” very seriously. His mission is to develop a customized plan to clients’ needs, educate and advise them on a course of action and assist them in making an informed decision.

As an “advisor,” Jeff is compensated as such. Compensation is based on the advice given, not on a transactional basis. This assures clients that he is genuinely objective in making recommendations and that he has a vested interest in the success of their financial future and in helping them meet and maintain their goals. He takes the time to understand the issues and provides practical solutions.

Jeff has assisted clients in their financial decisions since 1980. His success and knowledge in this field have allowed him to teach financial classes at the University of Colorado at Denver and participate as a member of the National Association of College Funding Advisors and the National Association of Financial Planners. He has been featured in the Los Angles Times. Jeff has hosted 2 television programs, ‘The Financial Beacon” and “Making the Most of your Money”. He has been a guest on KTLA’s Saturday Morning Show and KIGH Radio talk show. He has earned the professional designation of Registered Financial Consultant awarded by the International Association of Registered Financial Consultants. Jeff is also a member of the National Association of Eagle Scouts.

Jeff’s family is his first priority, and he lives with his wife, Lori, in Parker, Colorado. All of his family are very active in their church. His hobbies are golf, camping, traveling, and reading.

Jeff provides clients with sound financial advice and a responsive team of professionals who are always available and ready to answer any questions they may have.

Learn More: http://www.CollegeFundingCoach.com

Discover Your Work Personality Strengths And Best Careers

https://www.careerfitter.com/free_test/careerbuilder?afid=1593

Dominique Dieujuste discusses how to create Generational Wealth effectively. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-dominique-dieujuste-financial-professional-ceo-of-dieujuste-financial-discussing-generational-wealth/

Generational wealth is a goal many families have but often don’t know how to create. It takes dedication, commitment, and a strategy to build and maintain wealth over multiple generations. Here are some tips for creating generational wealth:

1. Establish and Prioritize Financial Goals: The first step in creating generational wealth is establishing clear financial goals. This involves looking at short-term goals (such as retirement savings) and long-term goals (such as leaving an inheritance). Once people have determined their financial objectives, it’s important to prioritize them so they can focus their efforts on the most important ones.
2. Start Investing Early: The sooner people start investing, the more time they’ll have to benefit from the power of compound interest—which means that their returns will grow exponentially over time. Additionally, starting early allows a family to invest in smaller amounts each month, which can be easier on the budget than making significant investments all at once.
3. Create an Emergency Fund: A rainy-day fund is essential for any family looking to create generational wealth. Setting aside money in case of unexpected expenses or financial hardships is important so that short-term events won’t derail long-term goals.
4. Diversify Investments: Diversification is critical when it comes to investing for the future. This means creating a portfolio of different investments, such as stocks, bonds, real estate, etc. This way, people will be able to spread the risk across a variety of asset classes and mitigate potential losses.
5. Utilize Tax Strategies: Families can use various tax strategies to their advantage when it comes to creating generational wealth. These include converting traditional retirement accounts into Roth IRAs or utilizing capital gains or dividend harvesting techniques. It’s important to research these options carefully and speak with a financial planner before making any decisions.
6. Teach Financial Literacy: Teaching financial literacy is one of the best ways to create generational wealth. It’s important to educate family members (including future generations) on budgeting, investing, and saving for retirement so that they can make smart decisions when it comes time to take control of their finances. Additionally, fostering a healthy attitude towards money can help instill good habits in future generations and set them up for long-term success.
7. Take Advantage of Automation: Automation is a potent tool that can be used to create generational wealth. For example, setting up automatic monthly payments or investments can help ensure that people’s savings are growing as quickly as possible without manually managing each transaction. Additionally, automatic rebalancing in investments can help keep a portfolio balanced and optimized for maximum returns.
8. Make Sure the Estate Plan Is Up-to-Date: An up-to-date estate plan is essential for any family looking to create generational wealth. Not only will it ensure that assets are distributed according to the wishes of the deceased, but it can also provide tax advantages and protect against legal challenges down the road. It’s important to speak with a qualified attorney or financial planner to ensure that an estate plan reflects people’s current situation and objectives.
9. Make Generational Wealth an Ongoing Priority: Building generational wealth is not something that can be accomplished overnight—it takes time and dedication to achieve success. People need to make sure that their goals are realistic and measurable so that they can track their progress and ensure that they’re staying on course for long-term success. Additionally, it’s important to keep generational wealth alive by regularly discussing it with family members so everyone remains committed to building a legacy together.
10. Monitor Progress Regularly: Finally, it’s important to monitor progress when attempting to create generational wealth. Keeping track of investments and other assets on an ongoing basis will help ensure that goals are being met and that any changes in strategy or approach can be made quickly if necessary. Additionally, this will allow family members to remain engaged in the process and provide feedback on what is working well and where improvements need to be made.

Dominique said: “It’s important to remember that creating generational wealth is an ongoing process—one that requires dedication, financial literacy, and discipline in order to be successful. With careful planning and monitoring, however, you can ensure that the legacy of wealth you leave for your family is one filled with security and prosperity for years to come.”

 About Dominique Dieujuste

Dominique Dieujuste is the CEO of Dieujuste Financial, LLC. As one of Atlanta’s most trusted Financial Professionals, Dominique’s goal is to be a valuable life-time resource for all of his clients. His focus is bridging the gap to your financial future with sound retirement, financial strategy consulting, financial literacy programming and insurance options backed by unmatched customer care.

Prior to Dieujuste Financial LLC, Dominique enjoyed over three years of financial services at MetLife and National Financial Service Group, where his ability to sincerely connect with his clients cultivated his value as a financial professional. In addition to a successful career, Dominique is committed to serving his community as a mentor and coach to many young adults inspiring them to achieve their life goals.

Dominique also embraces professional community involvement as exemplified through his service as the past  President of the South Dekalb Business Association.

Dominique is a proud alumnus of the University of North Georgia where he earned B.S in Finance. He enjoys playing basketball in his spare time and is committed to health and wellness.

Learn More: https://www.dieujustefinancial.com/

Recent news and interviews:

Discussing the benefits of working with an independent insurance agent vs. a captive agent

https://authoritypresswire.com/dominique-dieujuste-financial-professional-ceo-of-dieujuste-financial-interviewed-on-the-influential-entrepreneurs-podcast/

Discussing Key Person Business Strategies

https://authoritypresswire.com/dominique-dieujuste-financial-professional-ceo-of-dieujuste-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-key-person-business-strategies/

Dominique Dieujuste discusses Key Person Business Insurance Strategies. 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-dominique-dieujuste-financial-professional-ceo-of-dieujuste-financial-discussing-key-person-business-strategies/

Key Person Business Insurance Strategies are an important risk management tool for any business. This type of coverage is designed to provide financial security and help maintain business continuity in the event that a key individual is no longer able to fulfill their role within the organization or dies unexpectedly. Through this type of insurance strategy, businesses can protect themselves from the financial risks associated with the loss of a key member of their team.

The benefits of Key Person Business Insurance Strategies include:

1. Providing monetary protection for when a significant contributor leaves the company or dies suddenly;
2. Assisting with recruiting replacements for key members;
3. Supplying funds to cover costs associated with training new staff;
4. Allowing businesses to continue operating despite the absence of a key employee; and
5. Providing business continuity in the event of unexpected losses.

When considering Key Person Business Insurance Strategies, it is important to evaluate the specific needs of a business. Factors to consider are the financial impact of losing the individual, the length of their service to the company, duties associated with their role, and potential costs associated with recruiting and training replacements. It is also important to analyze any tax implications of using this type of insurance strategy and its cost-effectiveness for the business.

By implementing a well thought out Key Person Business Insurance Strategy, businesses can protect themselves from potential financial losses related to an unexpected death or departure while ensuring that operations continue seamlessly during times of transition. Investing in this type of insurance strategy can help businesses maximize their potential for long-term success.

It is important to work with an experienced insurance specialist who understands the risks associated with the business when considering Key Person Business Insurance Strategies. A professional can assist in assessing an organization’s specific needs, recommending appropriate coverage levels, and helping to understand any tax implications involved. They can also guide businesses through the entire process, from selecting an insurer to filing a claim if needed. By working closely with an insurance expert, companies can be assured that they are taking the right steps toward protecting their finances and ensuring long-term success.

Dominique explained: “Taking the time to research and evaluate your options when it comes to Key Person Business Insurance Strategies can be a wise investment for any business. Having the right coverage in place can help you ensure that your company is able to survive and thrive despite unexpected losses or transitions. Working with an experienced insurance specialist to determine the best solution for your organization is often the best way to go about it. By doing so, you can have peace of mind knowing that your business has the financial security necessary to succeed in today’s competitive marketplace.”

About Dominique Dieujuste

Dominique Dieujuste is the CEO of Dieujuste Financial, LLC. As one of Atlanta’s most trusted Financial Professionals, Dominique’s goal is to be a valuable life-time resource for all of his clients. His focus is bridging the gap to your financial future with sound retirement, financial strategy consulting, financial literacy programming and insurance options backed by unmatched customer care.

Prior to Dieujuste Financial LLC, Dominique enjoyed over three years of financial services at MetLife and National Financial Service Group, where his ability to sincerely connect with his clients cultivated his value as a financial professional. In addition to a successful career, Dominique is committed to serving his community as a mentor and coach to many young adults inspiring them to achieve their life goals.

Dominique also embraces professional community involvement as exemplified through his service as the past  President of the South Dekalb Business Association.

Dominique is a proud alumni of the University of North Georgia where he earned B.S in Finance. He enjoys playing basketball in his spare time and is committed to health and wellness.

Learn More: https://www.dieujustefinancial.com/

Recent news and interviews:

Discussing the benefits of working with an independent insurance agent vs. a captive agent

https://authoritypresswire.com/dominique-dieujuste-financial-professional-ceo-of-dieujuste-financial-interviewed-on-the-influential-entrepreneurs-podcast/

Josh Millang discusses how to plan for long-term care.

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-josh-d-millang-president-of-retirement-protectors-discussing-long-term-care-strategies/

Josh explained: “Having a long-term care plan in place is essential for providing for yourself or your loved ones if there comes a time when assistance with everyday activities such as managing medications and personal hygiene is needed. Long-term care plans can also help protect assets so that expenses related to long-term care can be covered.“

To establish a successful plan, one must consider the types of services one may need now and anticipate needing them in the future. Long-term care typically includes formal services like home health aides, nursing homes, assisted living facilities, and adult daycare centers. It also includes informal arrangements such as hiring someone to assist at home or having friends and family members lend a hand. Evaluating options based on cost, lifestyle preferences, and medical needs is essential. Finally, understand the role of insurance in helping to pay for long-term care or if other forms of payment are needed. A well-thought-out plan can provide peace of mind that a family will be taken care of during a difficult time.  

The key to having a successful long-term care plan is being prepared ahead of time. Make sure you have a complete understanding of the services and products that are available to you. Research different long-term care services, such as nursing homes and home health aides, and look into the costs associated with each option. Talk to a doctor about which type of service would be the most beneficial for current medical condition. Finally, discuss insurance coverage for long-term care with a certified, licensed professional to understand what is or isn’t covered by the policy. By taking the steps necessary to create a comprehensive plan now, one can ensure that when the time comes, they’re prepared for long-term care. 

About Retirement Protectors

RPI has been actively managing Health, Wealth, and Legacy solutions for over 2,000 retiree clients from our Central Iowa Headquarters since 2008. They are an established succession planning firm for retiring Medicare Insurance Agents and a Wealth/ Legacy Resource for a growing Network of Elite Independent Senior Market Advisors.

HEALTH- With their proprietary Carrier Connect Platform, they educate Medicare Beneficiaries on the multitude of plan types and companies available in their local market, set expectations for their optimal healthcare experience, and support them over time with our Proactive Service Model (TM)

WEALTH- Financial professionals do fabulous work getting people to retirement, so they can work with them. They leverage the strategies, tactics, products, and technology to craft bulletproof retirement income strategies- for retirees that don’t want to run into worries or run out of money.

LEGACY- Most people prefer to leave their legacy to loved ones, rather than their greedy Uncle or a local care facility. They implement innovative planning concepts to mitigate these risks, in some cases without exclusively tying up valuable assets.

Learn More: https://www.retireprotected.com/

Recent news and articles:

Discussing the Medicare Advantage Madness

https://authoritypresswire.com/josh-d-millang-president-of-retirement-protectors-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-medicare-advantage-madness/

Steven Lippman discusses avoiding paying out of pocket for long-term care expenses. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-steven-a-lippman-lutcf-mba-founder-of-lippman-insurance-group-discussing-long-term-care/

Steven explained: “One of the most important steps in avoiding out-of-pocket long-term care expenses is to purchase long-term care insurance. It’s a good idea to shop around for different policies and compare coverage, benefits, and costs so people can find one that fits their needs. Long-term care insurance is usually purchased through an employer or private insurer. It can help cover the cost of skilled nursing services, personal care assistance, home health aides, adult day care, and respite services.”

Other options are available for those who don’t have access to long-term care insurance. Medicaid provides benefits in some cases to those who qualify financially. Medicaid also provides coverage for nursing home stays if needed and home health care with certain restrictions in place. In addition, some states offer programs that help pay for long-term care services.

If someone cannot receive financial assistance through Medicaid or a state program, there are alternatives for paying for long-term care expenses. One is to set up a trust fund that can be used to cover the costs of any necessary services and supplies. Another option is to use personal savings or investments to pay out of pocket for long-term care expenses. It’s important to plan ahead and make sure to have enough saved up in case of an emergency.

No matter which routes people choose, it’s always a good idea to talk with an expert about their options so they can make an informed decision. Proper planning and preparation can reduce the risk of paying out-of-pocket for long-term care expenses.

Christopher Bachman, from Boca Raton, FL says: “In 2008, we had the great fortune of meeting Steve and began to benefit from his services. Steve’s calm, analytical manner of looking at an insurance or financial plan and his ability to seek out what are the true needs and hopes of his client, have proven to be outstanding. Steve has helped us improve our insurance portfolio covering: life, long term care, annuities, Medicare supplements and health. We now contact Steve with all of our insurance needs and have grown to trust him and his recommendations more than any other insurance provider we have ever had.”

Norma H. Engelhardt from Palm Beach Gardens, Fl says: “We have been clients of Steve Lippman since 1990. We have bought life insurance, annuities, Medicare supplements, and long term care policies from him, but the best thing he has done for us was to guide us as we moved our IRA account into an equity-indexed annuity. When the market crashed, we were protected. Our friends who were still invested fully in the stock market were jealous. Thank you, Steve!! You are a true professional and a trusted advisor.”

About Steven A. Lippman

Lippman Insurance Group, LLC, is an insurance agency in Boca Raton, FL & Alpharetta, GA headed by Steve Lippman, LUTCF, MBA. Steven has over 30 years of experience with various types of insurance for both individuals and businesses, securing families and business owners and their assets. He also works with local estate attorneys and CPA’s to provide a range of sophisticated services to clients.

After growing up in New Jersey, Steve earned a B.A. in Economics from Vanderbilt University and an MBA in Marketing Research from Cornell University. An avid fitness, music, and sports enthusiast, Steven has been a devoted coach of local youth soccer, baseball, and hockey leagues.

Contact them and receive a free analysis of your situation and a proposal from one of the dozens and dozens of fine insurance companies they represent.

It’s time to address the potential financial catastrophe that will occur if you ever need to pay out of pocket for home health care or facility care!

Learn More: https://lippmaninsurancegroup.com/

Jeffrey Stevens announces a new publication his firm has come out with to educate pre-retirees lower taxes and prepare for retirement.

Taxes are a significant factor to consider when creating a retirement plan. Paying taxes on income can significantly reduce the amount of money available for retirement savings. It is essential to understand how taxes can impact people’s plans and make adjustments accordingly. 

Stevens said: “By being aware of the tax implications, people can make more informed financial decisions that will help them reach their retirement goals more quickly. Knowing the types of income affected by taxes and how those taxes are calculated is an essential part of having a successful retirement strategy.”

It is essential to understand how taxes are calculated and which types of income may be eligible for tax exemptions or deductions. For example, capital gains from investments such as stocks or mutual funds may be subject to different tax rates than ordinary income from salaries or wages. Furthermore, certain types of investment income may not be taxable at all.

In addition to understanding the types of income affected by taxes, it is crucial to know how those taxes are calculated. Tax rates vary based on a person’s filing status, adjusted gross income, and other factors. Knowing a person’s tax rate can help them make more informed decisions about where to invest and how much money they should save for retirement.

Taxes can significantly impact someone’s retirement plans; however, if people plan ahead and take advantage of the various tax benefits available, they can minimize the impact that taxes have on their finances in retirement. Understanding the applicable tax laws and taking advantage of available deductions can help them maximize the money available for retirement savings.

Overall, taxes should be taken into consideration when planning for retirement. Knowing how income is taxed and the various tax benefits available can help people make more informed decisions about their finances in retirement. These decisions can significantly impact their ability to save for and enjoy a comfortable retirement.

About Jeffrey Stevens

Jeff Stevens provides clients with custom-tailored investment strategies to meet short and long-term goals. As a fiduciary, Jeff is obligated to put his clients’ interests first. His objective is to help individuals, families and businesses develop innovative financial strategies that result in financial clarity, security, and overall financial health.

Jeff specializes in wealth creation, wealth conservation, personal financial planning, business planning and estate planning. He works with clients to secure their retirement by maximizing their retirement income to keep pace with inflation and reduce market risk.

Jeff is a member of the National Association of Insurance and Financial Advisors and is a life and qualifying member of the Million Dollar Round Table.

Jeff grew up in Brooklyn and Long Island. He enlisted at seventeen and served honorably in the United States Marine Corps. Upon discharge from the service, Jeff worked as an electrical engineer and enrolled in Nassau Community College. After earning an Associate’s Degree, Jeff entered the insurance and financial services industry and continued his education at Rutgers University where he received a BS in Management.

Jeff resides in Freehold, New Jersey with his wife, Marge. They have two adult children and three grandchildren. Jeff is an avid sportsman and enjoys freshwater and saltwater fishing and vacationing with his family.

Ensure a successful and dignified, retirement without financial worries.

Learn More: http://www.preferredretirementstrategies.com

Dominique Dieujuste discusses the benefits of working with an independent insurance agent vs. a captive agent.

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-dominique-dieujuste-financial-professional-ceo-of-dieujuste-financial/

Dominique explained: “An independent insurance agent offers many advantages that a captive agent cannot match. For example, an independent agent is not bound to any single company and can offer policies from multiple providers. This gives customers more options when choosing coverage and allows them to compare rates, features, and benefits of different policies side-by-side to find the best fit for their needs. In addition, since independent agents work with several companies, they often have access to discounts or special offers unavailable through a single provider.”

Independent agents also possess greater expertise thanks to their knowledge of multiple companies and products as opposed to a captive agent who will only know information about one particular insurer. Their experience and understanding of the industry make them better equipped to answer questions and provide advice on policy coverage, which can help customers make the best decision for their needs.

Ultimately, an independent insurance agent offers more options, greater expertise, and access to exclusive discounts that a captive agent cannot provide. This makes working with an independent agent a great choice for those who want the most comprehensive coverage at the best possible price. They can provide personalized advice and guidance on finding the best policy for people’s needs. When it comes to insurance, working with an independent agent can make all the difference!

About Dominique Dieujuste

Dominique Dieujuste is the CEO of Dieujuste Financial, LLC. As one of Atlanta’s most trusted Financial Professionals, Dominique’s goal is to be a valuable life-time resource for all of his clients. His focus is bridging the gap to your financial future with sound retirement, financial strategy consulting, financial literacy programming and insurance options backed by unmatched customer care.

Prior to Dieujuste Financial LLC, Dominique enjoyed over six years of financial services at MetLife and National Financial Service Group, where his ability to sincerely connect with his clients cultivated his value as a financial professional. In addition to a successful career, Dominique is committed to serving his community as a mentor and coach to many young adults inspiring them to achieve their life goals.

Dominique also embraces professional community involvement as exemplified through his service as the past  President of the South Dekalb Business Association.

Dominique is a proud alumni of the University of North Georgia where he earned B.S in Finance. He enjoys playing basketball in his spare time and is committed to health and wellness.

Learn More: https://www.dieujustefinancial.com/

Patrick Anderson discusses how tax planning impacts retirement income planning.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-patrick-anderson-president-of-unifirst-financial-tax-consultants/

Patrick explained: “When it comes to tax planning for retirement income, one of the most important factors to consider is how taxes will impact the overall retirement plan. Taxes can significantly affect the amount of money someone has available for retirement and how long those funds will last. Depending on the type of investments a person makes, and when they start withdrawing from them, taxes could significantly reduce the overall net worth. It’s important to understand how different investment types are taxed when they should be, and which ones offer beneficial tax treatments so people can maximize their retirement savings while minimizing taxes.”

As someone plans for retirement, it’s essential to consider the tax implications of all their investment and withdrawal strategies. A qualified financial advisor can help understand the tax implications of various retirement options and develop a comprehensive strategy that helps minimize taxes in retirement while helping people reach their goals. Additionally, strategic decisions on when to take Social Security benefits or withdraw money from 401(k) plans can help minimize the tax burden in retirement.

In summary, when it comes to tax planning and retirement income, careful consideration must be given so that taxes do not reduce the overall net worth or consume more funds than necessary. Working with a financial professional can help ensure that a person takes advantage of any beneficial tax treatments available and creates a customized plan that meets their individual needs. Ultimately, this will enable people to maximize their savings and keep taxes in check as much as possible throughout their retirement plan.

By following these strategies, people can be sure they’re in the best possible position for a comfortable and secure retirement.

About Patrick Anderson

Patrick has more than fifteen years of strategic experience in the financial, insurance, and the tax industry.

As a Licensed Financial Strategist & Retirement Specialist, he engages in Tax-Free Financial Planning, serving the needs of American Families.

A Registered Tax Professional with the IRS, he pursued licensure in the Financial & Insurance field. Many of his clients belong to the Asian-American Communities where he came from. He made it his advocacy to be a financial educator to them as well as a resource specialist to the general public. This led him to establish the COFFEE Group, a non-profit organization, which stands for Creating Opportunities For Financial Education Empowerment. He carries a bachelor’s degree in General Education & Military Science from Asia’s premier defense institute and Certificate of Graduation in US Taxation. He has earned his designation as Certified Financial Education Professional as well as Certified College Plan Advisor. Annually, he gains Continuing Professional Education credits from various financial institutions to keep his clients updated on their taxes.

Serving affluent families and high-net-worth business owners, he partnered with Redwood Tax Specialists (RTS) Group. RTS is a national elite team of professional experts composed of CPAs, Tax & ERISA Attorneys, Certified Financial Planners, Qualified Pension Administrators, Chartered Financial Consultants & Life Underwriters, Actuaries & Third-Party Administrators. Together, they provide an excellent way of significantly reducing taxes, building a retirement income for life, and creating a legacy for the next generations.

Learn More: https://unifirstfinancialandtax.com/

Jeffrey Stevens announces a new publication his firm has come out with to educate pre-retirees on Social Security claiming options.

Stevens says, “At Preferred Retirement Strategies, we help our valued clients develop a clear understanding of their Social Security benefits and educate them on the right time to start accepting their benefits. Delaying your benefit may potentially increase your benefit amount by as much as eight percent per year. There is a lot to know about Social Security, and you need to be educated so that you head into retirement with a plan on exactly how you will rely on your benefits. Our firm is committed to helping you get the most you can from your benefit, so you can take one step closer to the comfortable and enjoyable retirement you’ve been working so hard for! To help ensure you are maximizing your Social Security benefit, you should have a firm understanding of this complex matter.”

Social Security is a crucial part of many people’s retirement planning. The Social Security Administration (SSA) estimates that about 60% of elderly Americans rely on Social Security for at least half of their income.

For most people, deciding when to claim Social Security benefits is one of the most important financial decisions they will make in retirement. The key to making the right decision is understanding how Social Security works and fits into an overall retirement plan.

Here are some things to consider when making claiming decision:

Full Retirement Age

The full retirement age (FRA) is the age at which someone is eligible to receive full Social Security benefits. For people born between 1943 and 1954, FRA is 66. For those born in 1960 or later, FRA is 67. If they claim benefits before reaching FRA, their benefit will be reduced.

Life Expectancy

Life expectancy is an essential factor to consider when claiming Social Security benefits. Generally speaking, the longer someone is expected to live, the more advantageous it is to delay claiming benefits. This is because Social Security benefits are designed to replace a more significant portion of working income if they claim them later in life. For example, if they claim benefits at age 70 rather than 62, their benefit will be 28% higher. This can make a big difference in their overall retirement income.

Health Status

Health status is another critical factor to consider when making Social Security claiming decision. Generally speaking, the healthier someone is, the longer they can expect to live. Waiting to claim Social Security benefits may be advantageous if someone is in good health. On the other hand, if their health is not good and they don’t expect to live a long life, it may be better to claim benefits earlier. This is because they’ll want to maximize the time they spend receiving benefits.

 The Bottom Line

Deciding when to claim Social Security benefits is a complex one. There are a lot of factors to consider, and there is no single right or wrong answer. The best thing that can be done is to become educated about how Social Security works and how it fits into the overall retirement plan.  

About Jeffrey Stevens

Jeff Stevens provides clients with custom-tailored investment strategies to meet short and long-term goals. As a fiduciary, Jeff is obligated to put his clients’ interests first. His objective is to help individuals, families and businesses develop innovative financial strategies that result in financial clarity, security, and overall financial health.

Jeff specializes in wealth creation, wealth conservation, personal financial planning, business planning and estate planning. He works with clients to secure their retirement by maximizing their retirement income to keep pace with inflation and reduce market risk.

Jeff is a member of the National Association of Insurance and Financial Advisors and is a life and qualifying member of the Million Dollar Round Table.

Jeff grew up in Brooklyn and Long Island. He enlisted at seventeen and served honorably in the United States Marine Corps. Upon discharge from the service, Jeff worked as an electrical engineer and enrolled in Nassau Community College. After earning an Associate’s Degree, Jeff entered the insurance and financial services industry and continued his education at Rutgers University where he received a BS in Management.

Jeff resides in Freehold, New Jersey with his wife, Marge. They have two adult children and three grandchildren. Jeff is an avid sportsman and enjoys freshwater and saltwater fishing and vacationing with his family.

Ensure a successful and dignified, retirement without financial worries.

Learn More: http://www.preferredretirementstrategies.com

Elizabeth Kinsey discusses the differences between mortgage Buydown vs. ARM

Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-elizabeth-kinsey-loan-originator-with-prime-lending/

 An Adjustable-Rate Mortgage (ARM) is a home loan with an interest rate that can change over time. The changes in the interest rate are tied to an index, such as the Secured Overnight Financing Rate (SOFR) which is used as a benchmark for setting interest rates. ARMs usually start with lower interest rates than fixed-rate mortgages, but the rate adjusts periodically, usually annually or semi-annually, based on movements in the underlying index.

Mortgage buydown* refers to someone paying additional points at closing to reduce their mortgage payments during the early years of their loan term. Buydowns help borrowers by initially giving them a lower payment since they make pre-payments towards the interest to reduce the amount due each month. These points may be paid by a third party, such as a homebuilder or the seller.

The reduced payments typically last for one to three years, after which the loan rate adjusts to the current market rate, and payments could increase significantly. It is important to note that while mortgage buydowns can provide relief in tight budgets, they will add to total borrowing costs over time.

Elizabeth said: “Both mortgage Buydown and ARM loans offer advantages and disadvantages that should be carefully considered before making your choice. With an ARM, you can usually get a lower initial rate than with a fixed-rate mortgage, but your payment could rise significantly when rates adjust. With a buydown, you can get a lower initial mortgage payment, but the added costs will increase your total borrowing costs over time. Ultimately, it is important to weigh the pros and cons of both options to determine which one best meets your needs.”

It’s also important to remember that when choosing either an ARM or a mortgage buydown loan, one must check with multiple lenders to get the best possible rate. Shopping around for different loan products can help people find the best deal for their needs – so it’s best to compare terms and rates from multiple lenders before making a final decision.

Client Katie A. from Grand Junction, CO, says: “I had a great experience working with Elizabeth Kinsey for my home loan. She was knowledgeable and responsive throughout the entire process!”

About Elizabeth Kinsey

Elizabeth is a Colorado Native and enjoys being outdoors on the trails. Her background before starting her mortgage career includes a degree in Economics and teaching/education. She has been originating mortgages for over 20 years and her success has been based on word of mouth. Her passion is to educate and empower homebuyers so that they are clients for life and she earns the right for them to refer friends and family. She ensures borrowers are well educated about the process and programs available so that she can help them build a clear mortgage plan. She is fully invested in homebuyers’ happiness and lives by the motto that trust is built on small kept promises.

Elizabeth has been awarded the Five Star Professionals designation in 2014, 2015, 2017, 2018. 2019. 2021 and 2022. Only 7 percent of mortgage professionals in a geographic market area can be named a Five Star award winner.  She will also be featured in the December 2022 Forbes magazine

Learn More: www.lenderliz.com

https://www.linkedin.com/in/elizabeth-kinsey-96538b23

https://fivestarprofessional.com/spotlights/100374.

NMLS is #404460

5613 DTC Parkway, Suite 750, Greenwood Village, Co 80111

*Restrictions apply, some loan programs do not allow buydowns, contact the PrimeLending loan officer for more details. All loans subject to credit approval. Rates and fees subject to change. ©2022 PrimeLending, a PlainsCapital Company (PrimeLending). (NMLS: 13649) Equal Housing Lender. PrimeLending is a wholly owned subsidiary of a state-chartered bank and is an exempt lender in CO.  V010918

Josh Millang discusses how to avoid the pitfalls of Medicare Advantage Plans.

Listen to the interview on the Business Innovators Radio Network:

 https://businessinnovatorsradio.com/interview-with-josh-d-millang-president-of-retirement-protectors-discussing-the-medicare-advantage-madness/

Josh explained: “Planning ahead is essential to avoiding the common pitfalls of Medicare Advantage plans. Understanding coverage and researching plan options can help to make an informed decision that best suits a person’s needs. Consider the following areas when researching or selecting a plan: premiums, co-payments, co-insurance, services covered, out-of-pocket maximums, provider networks, and pharmacy networks. Additionally, it’s important to consider what services are available through specific plans and additional benefits such as dental and vision care.”

When reviewing a Medicare Advantage plan, it’s essential to be aware of any potential gaps in coverage. There may be certain services—such as hearing aids or long-term care—that are not covered under all plans. Additionally, some plans restrict where particular services can be obtained or require referrals for out-of-network providers.

Finally, plan designs and benefits often change from year to year. People should regularly review any coverage changes or fees to ensure they’re getting the best value for their money. They are also allowed to switch Medicare Advantage plans during open enrollment periods at various times throughout the year, so it’s important to know when these occur and what options people may have available.

By understanding their coverage, researching potential gaps in coverage, and staying up-to-date with plan design and benefits changes, people can make an informed decision that works best for them and avoid common pitfalls associated with Medicare Advantage plans.

Additionally, it may be helpful to speak with a local Medicare advisor or the plan provider for more information. With careful consideration and planning, people can ensure that their Medicare Advantage plan meets their needs and provides quality coverage when they need it most.

About Retirement Protectors

RPI has been actively managing Health, Wealth, and Legacy solutions for over 2,000 retiree clients from our Central Iowa Headquarters since 2008. They are an established succession planning firm for retiring Medicare Insurance Agents and a Wealth/ Legacy Resource for a growing Network of Elite Independent Senior Market Advisors.

HEALTH- With their proprietary Carrier Connect Platform, they educate Medicare Beneficiaries on the multitude of plan types and companies available in their local market, set expectations for their optimal healthcare experience, and support them over time with our Proactive Service Model (TM)

WEALTH- Financial professionals do fabulous work getting people to retirement, so they can work with them. They leverage the strategies, tactics, products, and technology to craft bulletproof retirement income strategies- for retirees that don’t want to run into worries or run out of money.

LEGACY- Most people prefer to leave their legacy to loved ones, rather than their greedy Uncle or a local care facility. They implement innovative planning concepts to mitigate these risks, in some cases without exclusively tying up valuable assets.

Learn More: https://www.retireprotected.com/

Additional News Releases:

How Taxes Impact Retirement
https://authoritypresswire.com/josh-d-millang-president-of-retirement-protectors-discussing-how-taxes-impact-retirement-interviewed-on-influential-entrepreneurs-podcast/

How Social Security Claiming Impacts Retirement
https://authoritypresswire.com/josh-d-millang-president-of-retirement-protectors-discussing-how-social-security-claiming-impacts-retirement-interviewed-on-influential-entrepreneurs-podcast/

Don Plotsky discusses how a portfolio allocation to Specialty Finance can enhance portfolio performance, reduce risk, and create Predictable Income.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-don-plotsky-co-founder-of-alternative-income-solutions-discussing-predictable-income-with-specialty-finance/#

Specialty Finance involves using various strategies to create a steady stream of income that can be counted on every month, with low volatility and little or no correlation to broad market indices. With a combination of risk management, asset diversification, and tactical structuring it is possible to develop a compelling portfolio within the portfolio that can generate reliable monthly revenue.

The first step in creating Predictable Income with Specialty Finance is understanding the different investment opportunities available and how they can be used to build a well-diversified portfolio. Financial planners may examine potential income sources from stocks, bonds, derivatives, insurance products, and/or real estate investments. Each instrument carries its own set of risks and benefits, which must be weighed against one another to determine which investment options are best suited for the investor’s goals. Incorporating Specialty Finance – a low volatility, high yielding, and non-correlated strategy – can enhance the risk return characteristics of the entire portfolio while providing Predictable Income.

Asset diversification beyond the traditional allocations to stocks and bonds is essential for limiting risk and generating reliable growth over time.

 Don explained: “Creating Predictable Income with Specialty Finance takes patience and skill but can result in steady rewards if done correctly. A well structured and diversified portfolio is invaluable in this process, offering the best array of strategies for generating reliable income with low volatility and enhancing overall portfolio performance.”

Specialty Finance is an invaluable tool for creating stability and security in retirement planning. Proper management can provide an individual with the necessary funds to live comfortably now and into the future. The result is a more robust portfolio with predictable monthly income that can help secure an individual’s future.

About Don Plotsky

Don Plotsky is co-founder and managing member of Alternative Income Solutions (AIS) and manager of the AIS – Foundation Fund, LP a diversified Specialty Finance portfolio. He is also a co-founder and managing member of Uinta Investment Partners LLC, a multi-family office founded in 2017.

Mr. Plotsky has nearly 40 years of investment management experience as a leader, innovator, and portfolio manager. His primary focus over his career has been on fixed-income and structured products. Prior to forming Uinta and AIS, he served as head of product development and product management at Western Asset Management (2002-2016) and as head of the firm’s retail business.

Learn more: https://www.alt-incomesolutions.com/

Tom Rutkowski discusses the innovative concept of Private Banking.

Questions covered in this interview include:

1. What exactly is private banking?
2. So which is better, whole life or IUL?
3. I heard IUL is riskier. Is that true?

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-tom-rutkowski-president-of-innovative-retirement-strategies-discussing-private-banking/

Tom explained: “A maximum overfunded life insurance policy is a type that allows an individual to build up far more cash value than a typical life insurance policy. This extra cash value can be leveraged using policy loans. The loans can be used for any major purchase that you otherwise might have put on a credit card. This allows the cash value to add value to your life while you are still alive. When deciding how much to contribute, it is important to consider a person’s current and future needs and ensure they are not investing more than they can comfortably afford.”

Individuals with existing policies should talk to a knowledgeable agent to see if the existing policy is capable of being over-funded. Since the goal of a maximum over-funded policy is cash value at the expense of death benefit, it is recommended that individuals should make sure their death benefit needs are taken care of before attempting to purchase a separate maximum overfunded life insurance policy. Additionally, if a person’s current budget does not permit additional coverage, purchasing a policy with a partial overfunding option is possible.

When selecting an insurance provider, it’s essential to research their financial stability and ask for a copy of their annual report or other disclosure documents. It’s best to also check for any complaints that may have been filed against the company with your state’s Insurance Department. Also, keep in mind any additional benefits such as accelerated death benefits, long-term care riders, or disability income protection that may be included in the policy.

Finally, an individual should regularly review the maximum overfunded life insurance policy to ensure it still fits their needs. Suppose they ever need more coverage than their current policy allows for. They should speak with their insurer about increasing the value or changing the policy terms. Doing so will help ensure that they and their family are adequately protected in an unexpected tragedy.

Overall, a maximum overfunded life insurance policy can be an excellent way for individuals to financially protect themselves and their families in the event of unexpected circumstances. Evaluating all available options carefully before deciding and considering speaking with a financial advisor or tax professional for assistance is essential. With the right planning, an individual can rest assured knowing that their loved ones will be taken care of should anything happen to them.

About Tom Rutkowski

Tom is a nationally-recognized expert in maximum over-funded life insurance for private banking and tax-free retirement planning. He holds an MBA in Finance from the University of Wisconsin, Milwaukee and a BA in Economics from the University of California, Irvine. He currently resides in Boynton Beach, Florida.

Download his free e-book “Life Insurance 101” to get started now: https://bit.ly/3W8YE7y

Schedule a free 30-minute introductory call with Tom to learn more: https://innovativeretirementstrategies.youcanbook.me/

Recent news and interviews

Using Life Insurance for Retirement Planning

https://authoritypresswire.com/tom-rutkowski-president-of-innovative-retirement-strategies-discussing-using-life-insurance-for-retirement-planning-interviewed-on-influential-entrepreneurs-podcast/

Using Life Insurance to Invest in Real Estate

https://authoritypresswire.com/tom-rutkowski-president-of-innovative-retirement-strategies-interviewed-on-podcast-using-life-insurance-to-invest-in-real-estate/

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-eunicia-peret-ceo-and-founder-of-the-empowered-financial-planner/

Many business owners don’t think about exit planning until it’s too late. They may not have a succession plan in place or have thought about how they will sell or exit their business. This can be a big mistake, as it can leave them with less money than they could have made if they had planned ahead.

Exit planning is vital for all businesses, but it’s especially critical for small businesses and the business owners individually. That’s because small businesses typically don’t have the same resources or access to expert support as larger businesses do. In most cases they also do not have the same access to capital, and they may not have the same ability to weather a downturn in the economy.

Eunicia says: “Exit planning can help business owners maximize the value of their business. It can also give them peace of mind, knowing that they have a plan in place for what will happen to their business when they’re ready to retire or move on to something else.”

When unsure about where to start in planning an exit strategy, business owners should keep a few things in mind. First, they need to understand what they want from their business in the short as well as long term. Are they looking to sell, go public, or perhaps pass it on as part of their legacy plan? How does their personal financial situation fit into the equation? In other words, are all of their assets invested in the company?

Next, consider their options for exit planning and the desired time frame for such a transition.   There are a few different ways to go about it, and the right approach depends on the goals. For example, if they plan on selling, they can sell their business outright or work with a business broker to find a buyer. They can also gift their business to family members or friends or donate it to a charity. 

Finally, ensuring they have the right team to help them with exit planning is essential. At a minimum, this includes an accountant, a lawyer, and a financial advisor. Unfortunately, too many businesses are sold for inferior prices and many of those transactions are also heavily taxed.  Having the right quarterback team in place can help significantly increase the proceeds from the sale as well as minimizing tax exposure.  In addition to the right team, a customized plan is also key to ensure the ultimate goals are being met.

Exit planning is an important part of being a business owner. By planning ahead, business owners can ensure that they get the most out of their business and the time invested in growing them.

About Eunicia Peret

Eunicia is an accomplished wealth strategist and business owner with over 15 years of experience in the financial services industry.   Eunicia honed her expertise by delivering significant financial improvements to the bottom line of Fortune 500 companies and renowned global brands across multiple industries.

Her passion is to help multi 6 and 7-figure individuals optimize their wealth-creation efforts by empowering them to leverage wealth-creating strategies that go beyond 401(k)s, IRAs, and other typical savings accounts in order to minimize taxes, maximize growth, and increase income in retirement.

Based on serving hundreds of clients, Eunicia is a strong believer that those who don’t have a personalized and holistic financial strategy will only get a fraction of the results.

Eunicia’s Wealth Freedom Formula is a customized hands-on financial consulting program offering end-to-end wealth optimization strategies that have historically only been leveraged by the ultra-wealthy. The tried-and-true personalized method has delivered significant bottom line improvements to hundreds of clients because it leverages a quarterback approach to ensure the client’s financial team is working in unison to minimize financial leakage.

Eunicia is a huge believer in empowering her clients with the tips, tricks, and know-how to grow and protect their money in a way that aligns with the client’s values and beliefs.

In addition to managing her own business, Eunicia serves as a strategic advisor to several business-oriented and female leader groups.

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

Avoid the 5 Biggest Financial Pitfalls Leading to Individuals Outliving Their Savings

https://www.empoweredfinancialplanner.com/pitfalls

Kelley Pyles discusses her approach to helping clients create a savings plan that makes sense for a successful future. Social Security is a necessary part of a comprehensive retirement income strategy; there are important considerations before claiming early. Working with a financial professional is crucial in coordinating three types of benefits.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-kelley-c-pyles-cfp-certified-long-term-care-specialist-with-royal-fund-management/

Pyles says, “By combining the proper social security claiming strategy, the judicial use of annuities within qualified plans, and other financial instruments, a synergistic effect can be created. This approach could minimize exposure to market risk, assure the continuation of tax-efficient income, and significantly increase the after-tax amount received.”

Social Security is a crucial part of many people’s retirement planning. The Social Security Administration (SSA) estimates that about 60% of elderly Americans rely on Social Security for at least half of their income.

For most people, deciding when to claim Social Security benefits is one of the most important financial decisions they will make in retirement. The key to making the right decision is understanding how Social Security works and fits into an overall retirement plan.

Here are some things to consider when making claiming decision:

Full Retirement Age

The full retirement age (FRA) is the age at which someone is eligible to receive full Social Security benefits. For people born between 1943 and 1954, FRA is 66. For those born in 1960 or later, FRA is 67. If they claim benefits before reaching FRA, their benefit will be reduced.

Life Expectancy

Life expectancy is an essential factor to consider when claiming Social Security benefits. Generally speaking, the longer someone is expected to live, the more advantageous it is to delay claiming benefits. This is because Social Security benefits are designed to replace a more significant portion of working income if they claim them later in life. For example, if they claim benefits at age 70 rather than 62, their benefit will be 28% higher. This can make a big difference in their overall retirement income.

Health Status

Health status is another critical factor to consider when making Social Security claiming decision. Generally speaking, the healthier someone is, the longer they can expect to live. Waiting to claim Social Security benefits may be advantageous if someone is in good health. On the other hand, if their health is not good and they don’t expect to live a long life, it may be better to claim benefits earlier. This is because they’ll want to maximize the time they spend receiving benefits.

The Bottom Line

Deciding when to claim Social Security benefits is a complex one. There are a lot of factors to consider, and there is no single right or wrong answer. The best thing you can do is to become educated about how Social Security works and how it fits into the overall retirement plan.  

About Kelley C. Pyles

Kelley C. Pyles is a CERTIFIED FINANCIAL PLANNER, Certified Long Term Care Specialist, Independent Investment Adviser Representative, and insurance professional. Kelley’s number one priority is ensuring that clients can live their lives to the fullest and make the most of their hard-earned money.

Kelley began her career in financial services with Allstate Insurance. Over her twenty-year career there, she developed a passion for helping others with their finances. She began to focus solely on the financial services industry and retirement planning. Kelley obtained her CFP® certification and is proud to serve as a fiduciary adviser acting in the best interest of her clients in every part of her practice.

Kelley’s specialties include income and legacy planning, investment advice, analyzing the proper balance of risk and safety, long term care planning, and tax minimization strategies. She passed the Series 65 securities exam and holds her life and health insurance licenses. She earned her bachelor’s degree from the University of Florida and is an avid Gator fan.

In her free time, Kelley enjoys cooking, reading, and spending time with her family and friends. She and her husband, Jim, have been married for 30 years. They have two children, William and Katie. William is currently serving in the Marine Corps as a crew chief on the CH-53K helicopter. Katie is in 11th grade. She enjoys softball, volleyball, and jet skiing. 

Learn More: https://kelleypylesfinancialadviser.com/

Certified Financial Planner |A213175
Investment Adviser Representative of and investment advisory services offered through Royal Fund Management, LLC a SEC Registered Investment Adviser. The firm 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.

Josh Millang discusses how taxes impact retirement.

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-josh-d-millang-president-of-retirement-protectors-discussing-how-taxes-impact-retirement/

Taxes are a significant factor to consider when creating a retirement plan. Paying taxes on income can significantly reduce the amount of money available for retirement savings. It is essential to understand how taxes can impact people’s plans and make adjustments accordingly.

 Josh said: “By being aware of the tax implications, people can make more informed financial decisions that will help them reach their retirement goals more quickly. Knowing the types of income affected by taxes, as well as understanding how those taxes are calculated, is an essential part of having a successful retirement strategy.”

It is essential to understand how taxes are calculated and which types of income may be eligible for tax exemptions or deductions. For example, capital gains from investments such as stocks or mutual funds may be subject to different tax rates than ordinary income from salaries or wages. Furthermore, certain types of investment income may not be taxable at all.

In addition to understanding the types of income affected by taxes, it is crucial to know how those taxes are calculated. Tax rates vary based on a person’s filing status, adjusted gross income, and other factors. Knowing a person’s specific tax rate can help them make more informed decisions about where to invest and how much money they should save for retirement.

Taxes can significantly impact someone’s retirement plans; however, if people plan ahead and take advantage of the various tax benefits available, they can minimize the impact that taxes have on their finances in retirement. Understanding the applicable tax laws and taking advantage of available deductions can help them maximize the money available for retirement savings.

Overall, taxes should be taken into consideration when planning for retirement. Knowing how income is taxed and the various tax benefits available can help people make more informed decisions about their finances in retirement. These decisions can significantly impact their ability to save for and enjoy a comfortable retirement.

About Retirement Protectors

RPI has been actively managing Health, Wealth, and Legacy solutions for over 2,000 retiree clients from our Central Iowa Headquarters since 2008. They are an established succession planning firm for retiring Medicare Insurance Agents and a Wealth/ Legacy Resource for a growing Network of Elite Independent Senior Market Advisors.

HEALTH- With their proprietary Carrier Connect Platform, they educate Medicare Beneficiaries on the multitude of plan types and companies available in their local market, set expectations for their optimal healthcare experience, and support them over time with our Proactive Service Model (TM)

WEALTH- Financial professionals do fabulous work getting people to retirement so that they can work with them. They leverage the strategies, tactics, products, and technology to craft bulletproof retirement income strategies- for retirees that don’t want to run into worries or run out of money.

LEGACY- Most people prefer to leave their legacy to loved ones rather than their greedy Uncle or a local care facility. They implement innovative planning concepts to mitigate these risks, sometimes without exclusively tying up valuable assets.

Learn More: https://www.retireprotected.com/

Previous News Stories:

Josh D. Millang, President of Retirement Protectors Discussing How Social Security Claiming Impacts Retirement

https://authoritypresswire.com/josh-d-millang-president-of-retirement-protectors-discussing-how-social-security-claiming-impacts-retirement-interviewed-on-influential-entrepreneurs-podcast/

Josh Millang discusses how social security claiming impact retirement.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-josh-d-millang-president-of-retirement-protectors-discussing-how-social-security-claiming-impacts-retirement/

When deciding when to claim Social Security, it is crucial to understand the impact that this decision will have on retirement. Different claiming strategies, such as delaying or changing benefits, may affect the total lifetime Social Security benefit and other aspects of retirement income.

If someone is married, their spouse’s benefit is also impacted by them claiming Social Security. If one spouse dies before the other does, the survivor can receive the deceased’s benefit if it is higher than their own. Therefore, deciding when to claim Social Security could help protect their family in case of death or disability. Also, it’s essential to consider that life expectancy affects social security claiming decisions. Individuals who live longer (or those with a family history of longevity) might want to wait until later to claim Social Security to maximize their benefits.

 Josh shared: “When people make the decision to take Social Security, it is important they understand how their retirement income will be impacted by claiming at different ages. They should also research and consider any additional benefits that may become available as a result of taking their social security earlier or later than planned. Taking the time to calculate potential outcomes when deciding when to claim Social Security can help ensure that they get the most out of their retirement income plan.”

If someone has questions about how Social Security claiming impacts their retirement, it is best to speak with a financial advisor. A financial advisor can provide advice tailored to their specific situation and help them decide when to claim Social Security.

Understanding how Social Security – claiming impacts retirement is essential in creating a successful retirement income plan. Researching and discussing options with a financial advisor can help people make informed decisions about when to claim Social Security and maximize their benefits. Doing so could lead to a more secure retirement for them and their family.

About Retirement Protectors

RPI has been actively managing Health, Wealth, and Legacy solutions for over 2,000 retiree clients from our Central Iowa Headquarters since 2008. They are an established succession planning firm for retiring Medicare Insurance Agents and a Wealth/ Legacy Resource for a growing Network of Elite Independent Senior Market Advisors.

HEALTH- With their proprietary Carrier Connect Platform, they educate Medicare Beneficiaries on the multitude of plan types and companies available in their local market, set expectations for their optimal healthcare experience, and support them over time with our Proactive Service Model (TM)

WEALTH- Financial professionals do fabulous work getting people to retirement, so they can work with them. They leverage the strategies, tactics, products, and technology to craft bulletproof retirement income strategies- for retirees that don’t want to run into worries or run out of money.

LEGACY- Most people prefer to leave their legacy to loved ones, rather than their greedy Uncle or a local care facility. They implement innovative planning concepts to mitigate these risks, in some cases without exclusively tying up valuable assets.

Learn More: https://www.retireprotected.com/

Tom Rutkowski discusses using life insurance for retirement planning.

Questions covered in this interview include:

1. Why choose Life Insurance instead of annuities or other assets?
2. Are these policies the same as I might use to insure my spouse?
3. Does it take years to accumulate cash value in a whole life policy, and is the return on life insurance low relative to other investments

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-tom-rutkowski-president-of-innovative-retirement-strategies-discussing-using-life-insurance-for-retirement-planning/

Life insurance is an invaluable tool for retirement planning. With life insurance, people can ensure that their loved ones have enough money to maintain their standard of living if something were to happen to them. It can also be used as a way to supplement retirement income when people need extra money.

People must consider their individual situations and needs when considering any life insurance policy. Generally, two types of life insurance are typically used in retirement planning: Whole Life and Term Life policies. Whole-life policies offer coverage throughout a lifetime and may come with other benefits, such as cash value accumulation or dividends that can be withdrawn or borrowed against. Term policies provide coverage for a set period of time (e.g., 10 or 20 years) and generally do not come with additional benefits.

 Tom said: “Most people don’t realize this but dollar for dollar, a life insurance retirement plan will generate more retirement income than most traditional retirement planning assets. That means that  you can keep your money in a safer, more conservative asset without forfeiting income. All of this is in addition to the death benefit of the policy”

When planning for retirement, it’s essential to consider all of the financial options and how life insurance fits into an overall plan. With careful consideration and planning, life insurance can help ensure that people’s financial goals are met and that their family is taken care of no matter what the future may bring.

Taking the time to understand life insurance and how it can benefit people in retirement planning will help ensure that they make the most of this vital tool. With a bit of research and guidance, they can be sure to make an informed decision on which type of policy best fits their needs. By doing so, they’ll be able to secure themselves and those they love for years to come.

About Tom Rutkowski

Tom is a nationally-recognized expert in maximum over-funded life insurance for private banking and tax-free retirement planning. He holds an MBA in Finance from the University of Wisconsin, Milwaukee and a BA in Economics from the University of California, Irvine. He currently resides in Boynton Beach, Florida.

Download his free e-book “Life Insurance 101” to get started now: https://bit.ly/3W8YE7y

Schedule a free 30-minute introductory call with Tom to learn more: https://innovativeretirementstrategies.youcanbook.me/

Mark MacDonald discusses how Physicians and other high income, and net worth individuals can take control of their taxes by utilizing tax-incentives inside the IRS tax code.

In the interview, Mr. MacDonald discusses how Physicians and other high income, and high net worth individuals can reduce taxes on their current and future income, investments and estates utilizing a variety of tax-advantaged and tax-free strategies and products. One very popular strategy involves cash-value life insurance utilizing tax code 7702 and 72(e). Other popular IRS tax advantaged opportunities include well known tax codes 401(k), 403(b) and 457. There are many more IRS tax codes available for tax mitigation and tax elimination strategies.

Some questions covered in the interview include:

• Can retirement savings be passed to kids without having to pay taxes?
• How do retirement savings impact the ability to receive financial aid for college tuition?
• Is there any way to be more tax-efficient with savings?
• How one can plan their future income, investments and estates based on tax-me now, tax-me later and tax me never investment strategies

Listen to the interview on the Business Innovators Radio Network :

https://businessinnovatorsradio.com/interview-with-mark-macdonald-president-of-physicians-financial-health-discussing-tax-mitigation-strategies/

Physician Financial Health was created when Mark MacDonald and his Certified Financial Planner co-founding partner, Dr. Mark Rieger, CFP®, recognized that Physicians are always taking care of others but often don’t have the time or correct information to make the most informed financial decisions for themselves.

As an Investment Fiduciary, National Financial Literacy Educator, Financial Planner, and Retirement Specialist, Mark MacDonald joined Dr. Mark Rieger in pledging a financial Hippocratic Oath to take care of Physicians and their personal finance needs.

That pledge led to the creation of Physicians Financial Health, the exclusive Physician only organization dedicated to providing Physicians with the same financial resources and level of support they have in their medical practice.

Most importantly, Mr. MacDonald and Dr. Rieger recognize physicians’ most valuable asset is time, so they created a financial membership organization with “on call” financial service and support. They also recognized Physicians have different financial needs based on their personal and professional life stages, so a 3-Tiered membership program was created to meet their financial and professional goals.

At the core of each membership level is a personal Physicians Financial Health Plan that organizes, monitors, and updates a Member Physician’s personal finances in one comprehensive, integrated, adjustable, living, breathing plan that is updated in subsequent years into retirement.

About Mark MacDonald

Mark MacDonald is a licensed Investment Advisor Representative with Brookstone Capital Management (TD Ameritrade/Schwab Account Custodian), Licensed Life and Health Insurance Producer, Certified National Social Security Advisor and Certified College Planning Specialist. He is a former U.S. CEO and publishing executive at leading financial news companies including US News and World Report, Individual Investor and Ticker broker/dealer magazine.

Mr. MacDonald’s biggest priorities and responsibilities focus on ensuring Physician Financial Health serves its exclusive Physician Members and their personal finance needs.

In addition to co-running the membership organization, Mark still finds time to work one-on-one with Physician Members to develop and update their Physicians Financial Health Plan.

Mark is a member of the BBB, National Ethics Association, International Association of Registered Financial Consultants, National Association of Insurance and Financial Advisors, Association of Financial Educators, National Social Security Association and National Institute of Certified College Planners.

Learn More: http://physiciansfinancialhealth.com

Investment Advisory Services offered through Brookstone Capital Management. LLC (BCM), a registered investment advisor. Advanced Wealth Preservation and Brookstone Capital Management are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone Capital Management. Third party ratings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. The National Social Security Advisor certification is obtained by completing and passing a certification exam and requires biennial continuing education. The NSSA certification is not affiliated with or endorsed by the Social Security Administration or any other government agency. More information regarding the certification can be found at https://nationalsocialsecurityassociation.com

In this interview, Shaun Discusses His Approach to Helping His Clients with Financial Planning and Retirement Using Life Insurance. Because deferring taxes is not better than paying taxes now, he feels that placing money into a specialized account in a permanent life insurance policy provides spectacular benefits. This provides liquidity so one can access their funds while also providing tax-free growth. This guarantees no loss of principal and a dramatic upside in cash value growth inside the policy.

Questions covered in the interview include: 

• Can retirement savings be passed to kids without having to pay taxes?
• How does retirement savings impact the ability to receive financial aid for college tuition?
• Is there any way to be more tax-efficient with savings?

Listen to the interview on the Business Innovators Radio Network 

https://businessinnovatorsradio.com/interview-with-shaun-clearwater-ceo-of-aspen-creek-financial/

A major goal of tax planning services is minimizing federal income tax liability. Tax planning considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. While decisions are rarely made solely on their tax impact, one should have a working knowledge of the income or estate tax issues and costs involved.

Shaun explained, “It’s exciting to share this information because it has such a substantial impact on the financial plan of everyone I work with! We pride ourselves on exceptional customer service and want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation for success. We offer financial planning services, asset protection, asset management, and estate planning services, among other financial solutions with your financial security as our top priority.”

About  Shaun Clearwater

Shaun has a passion for diversified knowledge. He strives to learn new concepts and discover opportunities that most would consider “outside the box.” With an engineering degree and experience working with high net worth clients as well as middle America, Shaun loves to share his knowledge and thrives on solving complex financial planning puzzles. Shaun has been helping clients in the financial services industry for over 18 years. He likes to share information about private family foundations and unique solutions to those struggling with debt. When working with clients, his goal is to relieve the anxiety and stress caused by an overload of often conflicting, information. Throughout his career, he’s served in a managerial role in an international humanitarian aid logistics company, served on the board of several non-profits, and been a senior advisor with other top financial services companies.

Outside of work, Shaun loves to spend time with his wife and 4 girls, ages 13, 11, 10 and 1. He’s coached softball and held a leadership role with the local service unit of Girl Scouts. Camping, hunting, fishing, and other outdoor activities are also favorite pastimes.

The cost of assumption can be catastrophic. Schedule a brief consultation with me to confirm the best financial strategy for you and your family. You have nothing to lose and everything to gain.

Learn More: https://aspencreekfinancial.com

Investment advisory services offered through Redhawk Wealth Advisors, Inc., an SEC Registered Investment Advisor. Some Investment Advisor Representatives (IARs) of Redhawk Wealth Advisors, Inc. may market their advisory services under the name of Aspen Creek Capital Management, LLC; an unaffiliated and separate legal entity.

At the start of the pandemic, Horovitch completed her first tax office seasonal contract and was unsure what to do next. To generate some income she shared in a Facebook group about her experience of avoiding taxes for self-employment for ten years, the CRA’s unnerving efforts to get her to file, and the lessons learned on her journey to overcome financial illiteracy. She encouraged people with messy situations to reach out for a different type of help, and the post exploded with comments that triggered a stream of people messaging her to see if she could help. Since then referrals and testimonials generate most of her clients.

Why it happens is largely a mystery, but Horovitch feels it’s likely due to a key difference in the tax systems of the USA and Canada: Americans are generally taxed low on their paychecks, and then owe a balance of income tax to the IRS the following year, while Canadians are taxed much higher on their paychecks and so most tax returns have refunds.

According to the EFILE Association of Canada, the 2021 tax season saw 74% of tax returns had a refund amount, or would likely qualify the taxpayer to receive benefits (Nil returns). As a result, the CRA focuses the majority of their resources on the people they know are most likely to owe taxes, and this allows anxious Canadians to continue avoiding filing their back taxes.

But aside from potentially losing out on expired amounts, extremely late-filing of taxes can create a unique type of stress and anxiety that most tax professionals are unable to truly understand, because they’ve never been multiple years late themselves, and because tax office marketing commonly focuses on also attracting sophisticated bookkeeping and corporate tax clients. Also, many tax offices are only open for new clients from February to the end of April each year, adding to the difficulty some people face in finding skilled help.

All these factors combine so that many people who fall behind on their taxes will just stop looking for help, and as a result unknowingly lose out on years of credits and benefits when the returns expire, ten years after the filing deadline. In some cases, especially people with children under age 18, expired tax returns can mean losing out on more than $10,000 per year in benefits.

Horovitch takes on new clients throughout the year, focusing on people who are up to ten years behind in filing, so that she can take the extra time they need to fully address their feelings about taxes and money.

Where many tax offices try to have their clients completed in less than an hour, initial calls with the Tax Fairy Godmother are often 45 minutes or longer. Then tax returns are worked on virtually, from her home office, with access to client information on the CRA website. Most clients will have an initial calculation of their tax situation estimated within 24 hours. This gives her clients immediate relief of their fears over potentially owing a large balance, because most will have a refund.

Horovitch also counsels her clients on their financial hygiene and makes referrals to other professionals if clients need more assistance than just tax returns. One of the common referrals she makes is to business author Mike Michalowicz and his books on key small business pillars of success, including his money management books PROFIT FIRST and the related children’s book My Money Bunnies.

Both books help people manage their money mindset and behaviours better, so they can reduce or eliminate the killer stress related to money issues. Horovitch has a special connection to Michalowicz’s books: her story of avoiding self-employed bookkeeping for years inspired Michalowicz to self publish PROFIT FIRST in 2014, as shared in the introduction.

Horovitch says “I don’t just do taxes for people. I hold a discreet, non-judgemental space for my clients. After speaking with me I want them to feel empowered and capable that they can overcome any financial stress they might be facing, and take control of their money mindset, to grow their self-confidence and help ensure their professional success. It’s not uncommon for people to say at the end of a call with me, it was like having a tax therapy session, and that they already feel a lot less stressed – that’s the most fulfilling thing for me to hear.”

Many of the tax credits that can be valuable for people to know about, need to be applied at the time of purchase or keep their receipts to document their qualification. To help people recognize the very common credits they can access throughout the year, Horovitch has published a Tax Tips eBook which is available for free on her website at https://start.taxfairygodmother.ca

Massive economic shifts in the United States, Canada, and the world have permanently changed the financial and investment landscape. As a result, effective retirement strategies have changed as well. According to an article in USA Today, “[People’s] fear of running out of money in retirement and their reliance on their own savings—rather than Social Security and employer-funded pensions—during their golden years makes it harder for even well-positioned Americans to feel financially wealthy…”

To retire on your own terms, it’s necessary to not only have clarity about how you view your retirement years but decide when to retire—and at what age to start collecting Social Security. When Social Security was introduced in 1935, the retirement age was set at 65—but the average lifespan of an American man was only 58. Today, the average lifespan of an American male is 77 (81 in Canada). We’re living longer, and many people are retiring younger than age 65—sometimes way younger—because they’ve found a reliable strategy for doing so.

In this book, Retire Like a Shark, readers hear from the original Shark on ABC TV’s Shark Tank, Kevin Harrington; international business-growth coach Scott Keffer; and 34 other leading authorities who share sound strategies, practical tips, and real-world stories on how to Retire Like a Shark. The co-authors selected by Harrington and Keffer are experts in the field of building a successful retirement strategy.

Retire Like a Shark will launch on Amazon on November 16 and will be available for $0.99 on that day only.

The key questions that everyone asks when doing their retirement planning are when, what, where, and, the big one, how much will I need to do that? The answer to all these questions is to have a clear plan and implement it, and that’s where Harrington, Keffer, and the co-authors of this book come in.

Each of the experts in Retire Like a Shark has written a chapter on proven methods and tips for increasing the ability to retire with confidence. Readers will discover tax, financial, and investment recommendations along with additional retirement resources.

About Kevin Harrington

Besides gaining fame on Shark Tank, Kevin Harrington is the creator of the As Seen on TV brand, a co-founding board member of the Entrepreneur’s Organization. His behind-the-scenes work in business ventures has produced well over $5 billion in global sales, the launch of more than 500 products, and the making of dozens of millionaires. Twenty of his companies have each topped $100 million in revenue.

About Scott Keffer

Scott Keffer, CEO of Scott Keffer International, is an international business growth coach, best-selling author, and keynote speaker. As an authority on business growth and marketing, Keffer has been interviewed on radio and TV and has spoken at most major financial industry conferences. Keffer, known as The Million Dollar Mentor, has been called an “industry transformer” for his innovative systems and processes. Through his speaking engagements, training, and coaching, Keffer has trained tens of thousands of financial planners, investment advisors, and wealth managers from across the U.S., Canada, and Australia.

Berj Arakelian discusses loan options for real estate investors.

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-berj-arakelian-area-sales-manager-with-cmg-home-loans-discussing-unique-loan-options-for-investors/

  A few different types of mortgage loan options are available to real estate investors. The most common type of loan is the conventional mortgage loan, typically used to purchase primary residences. However, investment property loans are also available for those looking to buy rental properties or other investment properties.

Berj shared: “The biggest difference between investment property loans and primary conventional mortgages is the down payment requirements. Conventional mortgages for a primary residence typically require a down payment as low as 3% of the home’s purchase price, while investment property loans require a down payment of at least 20%. The income requirement for an investment property can be different from a primary home. Income for an investment loan can be stated or removed altogether based on the property, and this can make it easier for investors to get started in the real estate market, as they won’t need to verify their current income.”

Investment property loans also tend to have higher interest rates than conventional mortgages, so comparing rates from different lenders is crucial before choosing a loan. Additionally, most investment property loans require borrowers to have good credit, as they are considered higher risk than primary residences.

Anyone considering investing in real estate must be sure to research all their mortgage loan options to find the best fit for their needs. With careful planning and execution, real estate can be a great way to build long-term wealth.

Client Ryan O. says: “Berj is amazing. He handled 7 transactions at once, keeping me well-informed throughout the process. His hard work is much appreciated – 10 out of 10!”

About Berj Arakelian

Berj Arakelian is a doting husband and a proud father of two hyperactive boys. He is also the expert you need to handle all your mortgage affairs smoothly, from start to end, while saving you a lot in time, costs, energy, and frustrations. His skill as a salesman comes naturally, and he has had a lot of years to hone it to perfection and integrate it into the mortgage industry to become a part of his lifestyle. Consequently, it’s easy for him to connect with his clients and liaise with listing agents and home sellers.

Before he got into the mortgage industry, he owned and operated a chain of retail stores generating over $4+ million annually. And in the subsequent years, proceeded to complete over 2,000 financial transactions for families and businesses in the finance, estate, and mortgage industry.

His experience has spanned an incredible track record, specializing in new home purchase, cash-out refinance, high-balance and jumbo loans, and self-employed borrowers. Today, he operates in San Diego, California, with multiple recommendations as a Certified Mortgage Planning Specialist and a certified Mortgage executive. As a retail Branch Manager with USA Mortgage, he works with clients to develop financial solutions they can benefit from, now and in the future. He is your go-to for all your mortgage-related financial planning. And if you are a first-time home buyer, he goes all out to ensure you have an awesome first-time experience.

He stands out for a lot of reasons, but his clients never get enough of his Premium Buyer package. An opportunity that accords all his clients a competitive edge over their competition, by making them a priority for listing agents and sellers. With him, you accomplish your financial goals and become a homeowner in an effortless, stress-free approach.

Book a planning session with Berj today to get that VIP treatment you deserve.

Learn More: https://www.cmgfi.com/mysite/berj-arakelian

NMLS ID NUMBER: 1695267  •  COMPANY NMLS: 1820 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

Other Recent Stories:

Discussing the difference between being pre-qualified vs. pre-approved for a mortgage

 https://authoritypresswire.com/berj-arakelian-area-sales-manager-with-cmg-home-loans-interviewed-on-the-influential-entrepreneurs-podcast/

 Discussing Serving Realtor & Referral Partners

https://authoritypresswire.com/berj-arakelian-area-sales-manager-with-cmg-home-loans-interviewed-on-the-influential-entrepreneurs-podcast-discussing-serving-realtor-referral-partners/

Andrew Carrillo discusses the importance of working with a financial planner who is a fiduciary.

Listen to the interview on the Business Innovators Radio Network: 
https://businessinnovatorsradio.com/interview-with-andrew-carrillo-president-and-founder-of-barnett-capital-advisors-discussing-asset-allocation-in-retirement-portfolios/

Asset allocation is one of the most important decisions that investors make; it is also one of the most difficult. Asset allocation involves dividing an investment portfolio among asset classes, such as stocks, bonds, and cash. The percentage of each asset class in the portfolio depends on the investor’s goals, risk tolerance, and time horizon.

The goal of asset allocation is to diversify investments and minimize risk. By diversifying across asset classes, investors can reduce the volatility of their portfolios and improve their chances of achieving their financial goals.

There is no single “right” asset allocation for all investors. Each investor’s situation is unique, so working with a financial advisor to develop an asset allocation right for you is essential.

Asset allocation does not guarantee a profit or protect against losses. Asset classes may perform differently in different market conditions. Investors should consider their investment objectives, risk tolerance, and time horizon when selecting an asset allocation.

Diversification and asset allocation strategies do not assure a profit or protect against loss. Asset classes may perform differently in different market conditions.  

Asset allocation is one of the most important decisions an investor makes. The mix of assets an investor holds will determine risk and return profile. For investors approaching retirement, it is imperative to consider how asset allocation will impact the ability to generate income and maintain lifestyle.

There are several different approaches to asset allocation. Some investors prefer a static asset allocation, which means they keep the same mix of assets over time. Others use a dynamic asset allocation strategy, which means they periodically rebalance their portfolio based on changes in market conditions. The key to successful asset allocation is finding the right mix of assets for your individual circumstances. No “one size fits all” solution exists, as every investor has different goals, risk tolerance, and time horizon.

Andrew said: “At Barnett Capital Advisors, we are dedicated to providing investment management and strategic wealth planning that is specific to you and your situation. Simply put, we strive to be our client’s trusted advisors. As a financial advisory firm, our primary focus is to provide unbiased opinions that are designed to achieve long-term investment results. We are dedicated to professionally supporting, educating, and providing informed direction to each and every client and we do this with the highest levels of trust, integrity, and respect while always collaborating using a team approach.”

About Andrew Carrillo

Andrew E. Carrillo is the President and Founder of Barnett Capital Advisors LLC. He began his career as a Financial Advisor at Ameriprise Financial Services, Inc. in 2007 but decided to depart from the firm in late 2009 to allow him to focus more on serving his clients and fine-tuning his investment process. After working for a few years as an independent financial advisor at Invest Financial Corporation (2009-2012), he founded Barnett Capital Advisors in 2012, a registered investment advisor in the State of Florida, with a vision that investors deserved better investment strategies for growth.

Throughout his career, Andrew Carrillo has earned the designation of Certified Financial Planner (CFP®), Accredited Wealth Management AdvisorSM (AWMA®), and Chartered Retirement Planning CounselorSM (CRPC®), each of which requires advanced financial planning studies and adherence to a strict code of professional conduct.

Andrew Carrillo is a CFP Designee. The CFP designation is considered the most prestigious and sought-after designation in the Financial planning industry. Members adhere to the highest standards of professional competence, ethical conduct, and clear, complete disclosure to those they serve.

As a CFP designee and Investment Advisor, Andrew Carrillo is held to a fiduciary standard with his clients, the highest standard for customer care under law. Andrew lives every day believing his client’s best interests are his as well.

Andrew Carrillo completed his undergraduate degree at Florida State University earning a Bachelor’s Degree in International Affairs with a focus in Finance. He is a graduate of the University of Pennsylvania, Wharton School Portfolio Management and Investment Strategies Program.

His clients are primarily high net worth Baby-boomers, Families, Retirees, Pre-retirees, and Institutions.

When he’s not helping clients reach their financial goals, Andrew is usually spending time with his family or studying and staying current with economic and financial planning topics. Andrew was born and raised in New York, but has enjoyed living in South Florida for the last 20 years and currently lives in Miami.

Learn More: http://www.barnettcapitaladvisors.com/

Investment Advisory Services provided by Barnett Capital Advisors a Registered investment advisor.

Other recent stories:

Discussing the importance of working with a financial planner who is a fiduciary

https://authoritypresswire.com/andrew-carrillo-president-and-founder-of-barnett-capital-advisors-interviewed-on-the-influential-entrepreneurs-podcast/

James Hardin discusses why working with a mortgage broker is more beneficial than a traditional bank lender.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-james-scott-hardin-president-of-able-financial/

 James says: “If you’re looking for a mortgage, working with a broker is a great way to ensure you get the best deal possible. They will work with you to find a loan that meets your needs, and provide expert guidance and support every step of the way. Contact us today to learn more about how we can help you secure the best mortgage for your needs.”

When securing a mortgage, working with a broker has several advantages over going directly to a bank. Mortgage brokers have access to a wide range of lenders, allowing them to shop around for the best rates and terms on behalf of their clients. They can also provide expert guidance and support throughout the process, from application to approval.

Here are some of the key reasons why working with a mortgage broker is more beneficial than working with a bank:

1. Brokers have access to many different lenders. This means they can shop around for the best deal on their client’s behalf and find a loan that suits their individual needs and circumstances.
2. Banks typically only offer their own products, which may not be the best deal for a person.
3. Mortgage brokers are experts in the field and can offer guidance and support throughout the entire process, from application to approval.
4. Banks can be inflexible with their lending criteria, whereas brokers have access to a range of lenders who may be more willing to consider a borrower’s application.
5. Brokers are often able to negotiate better interest rates and terms on behalf of their clients.

Client Christian says: “Able Financial and their team are the absolute best in the business. I have done real estate for 20 years in Larimer County and NEVER had the faith in a broker or banker, that I do in AFI’s staff.”

About James Hardin

James “Scott” Hardin owns Able Financial, Inc. (AFI) d/b/a It’s A Better Way Mortgage.

He has been in Colorado since 1985 attending Cherry Creek High School and UNC. He opened Able Financial, Inc as a mortgage brokerage in 1997. In 2003 AFI opened a second division that would grow lending institutions (Correspondent Branching Companies) throughout the US. They decided to expand AFI’s reach in 2018 and have since entered 16 other states (AL,AZ,CA,CO,FL,GA,ID,MN,MS, NC, NM,OH, OR,SC,TN,TX,WA).

Learn More: https://www.ablefinancialinc.com/

Matthew Ablakan discusses how Millennials can invest in real estate to increase wealth.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-matthew-ablakan-founder-owner-of-the-millennials-choice-group/

Matthew shared: “Many millennials are looking for ways to invest their money and grow their wealth. Real estate can be a great way to do this, but it’s important to understand the ins and outs of investing in a property before taking the plunge.”

A few key things to remember when considering real estate as an investment are cash flow, location, and diversification. By keeping these things in mind, Millennials can increase their chances of success and grow their wealth over time:

Cash flow is the most critical factor when investing in real estate. People should make sure that the property they’re buying will generate enough rental income to cover most if not all of their expenses, including the mortgage, taxes, insurance, and any repairs or improvements that may be necessary.

Location is also crucial when it comes to real estate investing. Choosing a property in an area that is growing or has the potential for growth is best. This will help ensure that investment increases in value over time.

Diversification is also important when investing in real estate. Putting all the eggs in one basket is not good, so it’s important to spread risk by investing in multiple properties in different locations.

Client Donnette Goldschmid says: “The Millennial’s Choice Team is absolutely wonderful! The whole team is very knowledgeable, professional, hard-working, and truly look out for the best interests of their clients. They really go above and beyond to make a typically stressful life event; buying a home, fun and simple. They were the perfect realtor and mortgage broker that made buying my first home a very enjoyable experience and I highly recommend them.”

About Matthew Ablakan

Matthew Ablakan’s journey began at a very young age where trading Pokémon cards began to teach him a variety of skills such as how to Negotiate and the importance of Demand and Supply. As he entered High School, Matthew began to sell Jansport Backpacks, Hair Straighteners and Dog-Tags to his peers. He began to dabble into Mutual Funds on a small scale and began learning more about Investing. Upon entering University, Matthew worked part-time jobs as a cook, waiter and manager of a couple of restaurants in order to help pay for his tuition. Chuck E Cheese, Johnny Rockets and Lucky Strikes taught Matthew many valuable lessons in communication, hard-work, honesty and transparency. It was in those early years that Matthew began to learn more about Real Estate and Invested in his first Pre-Construction Condo at the age of 19 with zero help from his immigrant parents, using a flexible deposit payment plan and part of his student loan.

Matthew is the Founder & Owner of the Millennial’s Choice Group of Companies; a Real Estate, Mortgages, Insurance and Education brand. To better benefit his clients, Matthew has earned numerous degrees including, a Bachelors in Education, a Honourary Degree in Law & Society, a Real Estate Brokers License, a Mortgage Brokers License, & a Life Insurance Agent License. Education & Financial Literacy are important facets to the success of Millennial’s Choice. Matthew’s track record exudes his professionalism, experience, & most important, his persistent care for each and every one of his clients.

Learn more: https://millennialschoice.ca/

https://financialfreedomclub.ca/ebook

“I’m on a mission to help 200,000 practice owners achieve financial freedom,” states Eric S. Miller, author of How to Become a Financial Beast. A “financial beast” is a healthcare practice owner who’s mastered constructive financial habits and overcome the excuses that hold others back. A financial beast has a clear and definable goal and doesn’t deviate from their financial plan, no matter the challenges.

How to Become a Financial Beast will be available on Amazon starting November 2, and the price will be discounted on that date only to celebrate its launch.

In his book, Mr. Miller, the chief advisor and a financial planning expert for practice owners at Econologics Financial Advisors, provides healthcare practice owners with essential and practical information to accelerate the process of personal economic independence. These insights include:

• How to manage business revenue for optimum profits
• How to correctly compensate the practice owner from the business
• When and how to exit your business
• How to anticipate obstacles
• How to invest to minimize risk and maximize cash flow

Most owners of healthcare practices follow a traditional financial advice model that drastically underestimates how much income, assets, and resources are needed to be prepared for any eventuality. Mr. Miller explains that the current economic system has been manipulated to extract wealth from practice owners instead of supporting wealth expansion. He further states that becoming a financial beast is about attitude, taking action, and getting into Financial Beast Mode.

About the Author

Eric S. Miller is the co-owner, Principal, and Chief Financial Advisor of Econologics Financial Advisors. He is a graduate of Capital University, a Registered Financial Consultant^® (RFC), and holds a Series 65 license as well as licensure for life, health, and variable insurance. He has published countless articles, videos, and podcasts and spoken at hundreds of events nationwide as an expert on financial topics geared to healthcare practice owners.

Mr. Miller has spent more than 20 years in the financial planning profession. He and his team at Econologics Financial Advisors offer comprehensive financial planning services for healthcare business owners, including income planning and investment management, risk and asset protection planning, debt elimination and tax planning strategies, and exit planning. Econologics Financial Advisors LLC specializes in designing and implementing The Econologics Roadmap® Financial Plan and annual review service to assist clients in meeting their short-term and long-term financial goals, including advice through the sale of their business.

About Econologics Financial Advisors*

Econologics Financial Advisors, LLC is a full-service, federally registered investment advisory firm and insurance agency providing comprehensive financial planning services nationwide using a proprietary system called Econologics^®. The company primarily serves veterinarians, physical therapists, dentists, optometrists, chiropractors, and other medical practitioners. In 2019 and 2020, Econologics Financial Advisors was awarded the Inc. 5000 as one of the fastest-growing companies in the U.S.

* Econologics Financial Advisors, LLC (EFA) is a registered Investment Advisor. (Such registration does not imply a certain level of skill or training.) This communication is not an offer to sell or effect any transaction in securities or to give individualized investment advice. Neither EFA nor its affiliates provide legal, tax, or accounting advice. Please consult a qualified attorney or accountant.

Matthew Gallagher discusses how he helps his clients have hope and clarity in their retirement planning and creating portfolio safety.

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-matthew-gallagher-founder-of-prosperity-wealth-management/

Planning for retirement can be a complicated, intricate process. With so many important decisions to make and so many options, clients must have a resource they can count on to guide them step by step along the way.

​Whether someone is in the initial planning stages or is already retired, Matthew Gallagher can help with strategies designed to make retirement funds last. From creating an income stream they can’t outlive and maximizing the value of assets to protecting the family and preserving a legacy for beneficiaries in death, he has the knowledge and experience they can rely on to feel prepared. He will always keep their best interests at heart and put them in control of their own financial destiny.

One of the best ways to alleviate concerns about retirement is to develop a detailed retirement plan. By planning ahead, one can establish a retirement savings goal and then work backward to create and implement a savings strategy – many people are saving money for retirement with an incorrect goal as their target.

Gallagher says, “I’m committed to developing lasting relationships with each individual and family we serve. You are a priority, and we take the time to build a personal relationship where you’re comfortable participating in the process.”

About Matthew Gallagher

Matthew Gallagher, the founder of Prosperity Wealth Management, is a Certified Financial Planner Practitioner who graduated from Baylor University and received an Executive Management Certificate from the University of Notre Dame. He has been featured on the ABC Dallas morning show discussing his book, “Greener Pastures,” and threw out the first pitch at a Texas Rangers game. He is married to his wife, Erica, and they have two sons, Jaden and Jensen.

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

Advisory Services Offered Through CreativeOne Wealth, LLC, a Registered Investment Advisor. Prosperity Wealth Management, LLC and CreativeOne Wealth, LLC are not affiliated . Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice.

Enrico Brex discusses his approach to helping his clients create a savings plan that makes sense for a successful future.

 Questions covered in this interview include:

• Is cash value in permanent life insurance taxable
• How to use permanent life insurance to pay for my child’s college tuition
• Is there any way to be more tax-efficient with my savings

Enrico brings a fresh perspective on the lifetime tax implications of the financial decisions you are making today. Brex explained, “Taxes are one of the biggest risks to the safety of our money. When you pay taxes on your earnings is your decision. Choosing to postpone paying taxes puts your money at risk for future unknown taxes at unknown dates. Certain forms of wealth building life insurance provide dozens of “living benefits” not found in traditional forms of investment assets. They are collateral assets with benefits such as tax-free growth, tax-free distributions, tax-free death benefit, leverage opportunities, uninterrupted compound growth, protection for a chronic or critical illness and a long-term care event, etc.”

ERC specializes in working with clients who value a close, personal, long-term relationship with a trusted, knowledgeable advisor. Their unique process has helped their clients create a comprehensive plan that integrates their values, beliefs, goals, and objectives. They take time to understand their clients’ individual circumstances, enabling them to provide clients with customized strategies.

Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-enrico-brex-financial-advisor-with-elite-retirement-consultants/

About  Enrico Brex

Enrico is a life insurance specialist at Elite Retirement Consultants in Sparta, NJ. He strives to provide personalized service to valued clients, including implementing advanced insurance planning. Enrico’s s diverse professional background assists with providing a holistic approach to estate planning.

Enrico has been a small business owner and has also served in executive management for a sporting goods manufacturing company. He possesses series 6, 63, 65, life and health insurance licenses.

Learn More: https://www.erc401.com/

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.

Andrew Carrillo discusses the importance of working with a financial planner who is a fiduciary.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-andrew-carrillo-president-and-founder-of-barnett-capital-advisors/

There are a lot of different financial planners out there, and it can be tough to know whom to trust. But when looking for someone who will always put a client’s best interests first, it’s essential to work with a financial planner who is a fiduciary.

A fiduciary is a professional with a legal obligation to act in their client’s best interests. This means they must always provide objective advice and recommend only products or strategies in their client’s best interest.

While not all financial planners are fiduciaries, working with one can give people peace of mind knowing that their financial planner is legally bound to do what’s best for them. So, when looking for someone to help manage their finances, it’s best to ask if they’re fiduciaries. It could be the best decision someone ever makes for their money.

Andrew said: “At Barnett Capital Advisors, we are dedicated to providing investment management and strategic wealth planning that is specific to you and your situation. Simply put, we strive to be our client’s trusted advisors. As a financial advisory firm, our primary focus is to provide unbiased opinions that are designed to achieve long-term investment results. We are dedicated to professionally supporting, educating, and providing informed direction to each and every client and we do this with the highest levels of trust, integrity, and respect while always collaborating using a team approach.”

About Andrew Carrillo

Andrew E. Carrillo is the President and Founder of Barnett Capital Advisors LLC. He began his career as a Financial Advisor at Ameriprise Financial Services, Inc. in 2007 but decided to depart from the firm in late 2009 to allow him to focus more on serving his clients and fine-tuning his investment process. After working for a few years as an independent financial advisor at Invest Financial Corporation (2009-2012), he founded Barnett Capital Advisors in 2012, a registered investment advisor in the State of Florida, with a vision that investors deserved better investment strategies for growth.

Throughout his career, Andrew Carrillo has earned the designation of Certified Financial Planner (CFP®), Accredited Wealth Management AdvisorSM (AWMA®), and Chartered Retirement Planning CounselorSM (CRPC®), each of which requires advanced financial planning studies and adherence to a strict code of professional conduct.

Andrew Carrillo is a CFP Designee. The CFP designation is considered the most prestigious and sought-after designation in the Financial planning industry. Members adhere to the highest standards of professional competence, ethical conduct, and clear, complete disclosure to those they serve.

As a CFP designee and Investment Advisor, Andrew Carrillo is held to a fiduciary standard with his clients, the highest standard for customer care under law. Andrew lives every day believing his client’s best interests are his as well.

Andrew Carrillo completed his undergraduate degree at Florida State University earning a Bachelor’s Degree in International Affairs with a focus in Finance. He is a graduate of the University of Pennsylvania, Wharton School Portfolio Management and Investment Strategies Program.

His clients are primarily high net worth Baby-boomers, Families, Retirees, Pre-retirees, and Institutions.

When he’s not helping clients reach their financial goals, Andrew is usually spending time with his family or studying and staying current with economic and financial planning topics. Andrew was born and raised in New York, but has enjoyed living in South Florida for the last 20 years and currently lives in Miami.

Learn More: http://www.barnettcapitaladvisors.com/

Investment Advisory Services provided by Barnett Capital Advisors a Registered investment advisor.

Randy Kaufman talks about his Community Hero’s mortgage program.
Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-randy-kaufman-senior-mortgage-loan-originator-discussing-the-1-down-mortgage/

Randy explained: “Community Hero’s Mortgage Program is a special mortgage program designed to help Community Hero’s purchase homes. The program offers a variety of benefits, including low down payment options, reduced closing costs, and flexible credit requirements. Hero’s who participate in the program can also take advantage of special financing programs that offer lower interest rates and monthly payments. The Community Hero’s Mortgage Program is available to any Community Hero who meets the eligibility requirements. To be eligible, Hero’s must be employed by a government or non-profit organization that provides emergency services or teach school. In addition, Hero’s must be able to provide a 2 year job history or recent diploma from School and have a good credit history. The Community Hero’s Mortgage Program offers several benefits to help Hero’s purchase homes. One of the most important benefits is the available low-down payment options. Community Hero’s can put as little as 1% down on a home, making purchasing a home more affordable.”

Another benefit of the Community Hero’s Mortgage Program is the reduced closing costs. Hero’s in the program can receive up to $750 in closing cost assistance. This can help Hero’s save money on the purchase of their homes.

The Community Hero’s Mortgage Program also offers flexible credit requirements. Community Hero’s with good credit histories can qualify for loans with lower interest rates and monthly payments. This can help Hero’s save money on their mortgage payments each month.

About Randy Kaufman

Randy was born in California but attended Arizona State University on an Athletic Scholarship. After graduation, he went back to California where he met his wife of now 34 years.

Randy has over 30 years of experience helping families achieve the American dream of homeownership by originating residential mortgages to help them buy a home. Along with Randy’s extensive experience, he has earned the designation of Certified Military Housing Specialist and is excited to work with current and former military, and all borrowers to finance their perfect home. Randy enjoys watching sports and playing golf. Randy and his wife raised 3 sons and now are the parents of Bandit, a 1 yr old “mini” Golden Doodle.

Learn More: https://www.notredamefcu.com/arizona

Sean Pahut discusses how he develops long-term personal relationships with his clients.

Listen to the interview on the Business Innovators Radio Network:  https://businessinnovatorsradio.com/interview-with-sean-pahut-financial-consultant-with-montana-wealth-management-discussing-the-montana-money-mindset/

Pahut said, ” Through the pandemic, about 100,000 people moved to Montana; we noticed that financial professionals in the other state still managed their financial matters. My goal is to develop a relationship with my clients so that the rapport and trust are so high that they see the tremendous financial tools I can offer them to consider. I feel that mitigating risk is a huge need for all of my clients, and where possible, I present asset classes that provide guaranteed income opportunities, such as through annuities.”

Guaranteed income opportunities, also known as “GIAs,” provide retirees with a guaranteed stream of income from annuities that lasts for the rest of their lives. This type of arrangement can be especially beneficial for those who are worried about outliving their retirement savings.

Not all GIAs are alike, however. Some offer more flexibility than others, and it’s essential to understand the features and benefits of each before making a decision. Here’s a look at some things to consider when evaluating different GIA options:

1. How long does the income stream last?
   Some GIAs only provide income for a set number of years, while others pay for as long as you live. If retirees are worried about running out of money in retirement, a GIA that pays out for life can give them some confidence.
2. How much income will they receive?
   The amount of income they’ll receive from a GIA depends on several factors, including the size of the initial investment and the performance of the underlying assets. Some GIAs also offer inflation protection, which can help keep purchasing power intact over time.
3. What are the fees and expenses?
   All investment products come with fees and expenses, and GIAs are no exception. Be sure to compare the fees charged by different providers before deciding.
4. What are the risks?
   No investment is without risk, and GIAs are no exception. It’s important to understand the risks involved before making a decision.
5. What are the tax implications?
   The tax treatment of GIAs can vary depending on the product type and how it’s structured. Making the decision to purchase a GIA is an important one. But with careful consideration, it can be a valuable addition to your retirement income plan. Be sure to consult with a tax advisor before making a decision.

About Sean Pahut

Sean earned his degree in finance from Carroll College in Helena, Montana, and holds the series 7, 63, and 66 registrations through LPL Financial and a Montana insurance license. Giving back to the community is important to him. He has been a LT. Governor with Kiwanis previously served on the board of Marias Medical Center and has volunteered as a wrestling and baseball coach. He and his wife have two children and live in Great Falls, where they are active in their children’s school and sports activities.

Learn More: https://montanawm.com/

Other recent stories:

Discussing Working with a Financial Broker vs. Financial Planning Advisor

https://authoritypresswire.com/sean-pahut-a-financial-consultant-with-montana-wealth-management-was-interviewed-on-podcast-about-working-with-a-financial-broker-vs-financial-planning-advisor/

Discussing the Benefits of Being an Independent Financial Professional

https://authoritypresswire.com/sean-pahut-a-financial-consultant-with-montana-wealth-management-was-interviewed-on-podcast-about-how-the-benefits-of-being-an-independent-financial-professional/

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.  The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Nick Bliss discusses how Clear Strategy aims to provide confidence around financial planning by utilizing its experienced advisors to create a customized plan tailored to better support their clients’ financial, family, and life goals. Whether it’s a newly empty nest, marriage, divorce, moving, a big promotion at work, aging parents, selling a business, or starting a new one…change is inevitable. Everyone wants a golden retirement. But saving for retirement is no easy task. The baby boomer generation is graying. More and more people are approaching retirement age. With Social Security’s assets being consumed and the number of workers supporting it shrinking, they will have to rely more on personal savings when it’s time to retire.

Listen to the interview on the Business Innovators Radio Network:  

https://businessinnovatorsradio.com/interview-with-nick-bliss-partner-financial-advisor-with-clear-strategy/

Bliss says: “I understand that everyone has unique goals and circumstances. My role is to assist in your journey and provide guidance alongside you. Our team uses a comprehensive approach to assist in implementing your vision as we navigate life together.

As a partner in your financial well-being, I strive to gain an understanding of each client as an individual. This allows me to provide a personalized approach for every stage of life.”

About Nick Bliss

Nick is passionate about bringing financial planning to the next level as the industry demand grows stronger. He studied accounting at Saginaw Valley State University and has Series 7,66, Life, Accident, Health Insurance, and Variable Annuity licenses. He has traveled many career paths along the way, and all those roads have lead him to where he is today. Since 2012 he has been partnering with clients along their financial journey and helping them with their quest to live their best life.

Learn More: https://myclearstrategy.com/

Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS. The views expressed are not necessarily the opinion of this podcast interview, and should not be construed directly or indirectly, as an offer to buy or sell any securities or services mentioned herein. Investing is subject to risks including loss of principal invested. Past performance is not a guarantee of future results. No strategy can assure a profit nor protect against loss. Please note that individual situations can vary. Therefore, the information should only be relied upon when coordinated with individual professional advice.

Ryan Larson discusses how he serves his clients as a Fiduciary Financial Planner.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-ryan-larson-founder-of-firstline-financial/#

A fiduciary financial planner is a professional who provides clients with financial planning and investment advice. The term “fiduciary” means that the planner is bound by law to act in the client’s best interests.

As a fiduciary, a financial planner must put the client’s interests first. This includes making recommendations that are in the client’s best interests and avoiding conflicts of interest. For example, a financial planner should not recommend investments that will generate higher commissions for the planner but may not be the best choice for the client.

Financial planners can provide a variety of services, including retirement planning, estate planning, tax planning, and investment advice. Some financial planners also offer insurance products.

Investors should always ask their financial advisor whether they are a fiduciary before receiving any advice. The investor should be aware of potential conflicts of interest if an advisor is not a fiduciary.

Ryan says: “The proprietary process we take all of our clients through is called the WRAP process (Written Retirement Action Plan). When our clients go through this process, they have a diversified plan in place that allows them to take advantage of the ups and downs in the market. Having a plan that allows investors to take advantage of the highs and lows in different market cycles is very important.”

About Ryan Larson

Good at sports but bad at school, Ryan Larson, the son of a working-class Arizona couple, grew up concerned that he’d never succeed in life. When high school sports didn’t earn him a college scholarship, his prospects looked dim. While working a dead-end job, a fiery twist of fate inspired his new direction in life—becoming a firefighter.

In his debut book, Ryan shares his struggles in school, feeling like an outsider at home, and the unexpected twists and turns during the lowest points in his life that inspired him to build his successful financial advisory firm, FirstLine Financial, LLC.

Learn more: https://firstlinefin.com/about/

Buy Ryan’s book:

https://www.amazon.com/Ladder-Leader-Journey-Failure-Financial-ebook/dp/B09RVHGB9D/

Opinions expressed herein are solely those of FirstLine Financial, LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable, but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered through FirstLine Financial LLC, a Registered Investment Advisor in the State of Arizona. Insurance products and services are offered through FirstLine Wealth Management LLC, an affiliated company.

Partners Advantage – A Gallagher Company is one of the largest independent life insurance wholesale brokerage operations in the country representing more than 50 of the top-rated insurance carriers in the nation. With offices operating in Iowa and California and employees working remotely in the U.S., they offer a diverse and comprehensive mix of individual products––including annuities, life insurance and linked benefits––to independent financial professionals, agencies and institutions across the United States. They support a broad distribution footprint ranging from independent agents, broker dealers, RIAs, to other large insurance marketing organizations.

Partners Advantage has evolved to where it is today as a result of well-planned and timely mergers and acquisitions, deep knowledge and expertise in the life and annuity space, and a decades-long commitment to serving the individuals who make the industry great.

Listen to the interview on the Business Innovators Radio Network  –  https://businessinnovatorsradio.com/interview-with-louie-slagle-senior-vice-president-of-life-insurance-distribution-with-partners-advantage/

Louie works with elite-level producers who consistently serve affluent clients. He empowers his producers with concierge-level support, so they have custom-tailored tools in their arsenal to succeed at the highest level.

Slagle says, “We bring more value to your interactions with clients and prospects through a framework that helps propel client engagement and success. In a digital world, prospective clients can find many options when seeking help with their retirement needs. Establishing trustworthiness from the get-go is essential for financial professionals. Our Credibility, Connection, Communication, and Collaboration formula is tailored to fit you, so you stand out from your competitors and can be seen as the “go-to” financial professional in your community.
Build market differentiation: Credibility with our Author Program or our Podcast Series.
Connect with more of your ideal customers using one of our turnkey systems. Communicate common retirement and protection-based challenges facing today’s consumers in an easy and concise manner. Collaborate with an industry-leading team helping you with case design, product recommendation, and case management.”

About   Louie Slagle

Louie has been in the business for 20 years, having held multiple roles in the life insurance industry, specializing in Advanced Insurance Planning, product development, distribution and sales consultation, negotiation, risk management, and executive leadership. He currently holds his series 7, 6, and 63 and insurance licensure. He lives in Minnesota with his wife Amber and two daughters.

Learn more:  https://partnersadvantage.com/

Partners Advantage - A Gallagher Company; 9130 Anaheim Pl., Suite 120 Rancho Cucamonga, CA 91730. For Financial Professional Use Only. Not for use in solicitation or advertising to the public. This content is for informational and educational purposes only and is not designed, or intended, to be applicable to any financial professional or client's individual circumstances.

Jeff Stukey discusses his approach to helping his clients create a savings plan that makes sense for a successful future based on his proprietary “aging science” approach, which impacts longevity.

Listen to the interview on the Business Innovators Radio Network 

https://businessinnovatorsradio.com/interview-with-jeff-stukey-with-wealthspan-advisors-discussing-mitigating-risks-in-retirement/

Many people think that retirement planning and tax planning are the same, but some essential differences exist. When it comes to retirement income, there are three main sources: Social Security, pensions, and savings. And each one is taxed differently. Here’s a look at how retirement income and tax planning are different.

Social Security benefits are not taxed if the only income source is Social Security. However, if someone has other sources of income (such as a pension or savings), up to 85% of  Social Security benefits may be taxed.

Pensions are taxed as ordinary income. That means that someone in the 25% tax bracket will pay taxes on their pension at that rate.

Savings, such as 401(k)s and IRAs, are also taxed as ordinary income. However, one exception is that Roth IRA withdrawals are not taxed.

Stukey says, “As you can see, there are some significant differences between how retirement income and taxes are treated. And it’s important to understand these differences when planning for retirement. One way to mitigate the risk of higher taxes in retirement is to consider a Roth IRA conversion. With a Roth IRA conversion, you convert your traditional IRA into a Roth IRA. This involves moving your money from a tax-deferred account to a tax-free account. The conversion will trigger a tax bill, but the money in the Roth IRA will grow tax-free, and you can withdraw it tax-free in retirement. So, even though you will pay taxes on the conversion now, you may save money in the long run, especially if tax rates increase.”

Stukey continued, “Wealthspan Advisors is a firm that is acutely aware of national and personal trends in health and wealth. We’ve identified and developed the tools needed to help maximize your wealthspan. We’re composed of experienced wealth management professionals who have spent over 30 years combined educating advisors and clients about proper wealth planning; and world-renown research scientists in the field of aging that are keeping track of developments in science and medicine and finding ways to utilize that information to help with both your health and wealth planning.”

Get a copy of their book, “Pursuing Wealthspan: How Science is Revolutionizing Wealth Management,” visit: https://www.wealthspanadvisors.com/ 

About  Jeff Stukey  

Jeff has been in the financial services business for over 20 years. Most of his time has been spent in executive-level roles helping train hundreds of financial advisors around the country on how to better plan for and serve their clients. He deeply understands financial planning and the financial products that can be used to create the desired outcome for clients. After watching his parents work hard but struggle financially for most of his childhood and early adult life, Jeff set out to help clients become more educated and get better advice to help them grow and protect their wealth so they could live their best lives. Because of the experience gained over the last 20+ years, Jeff has been able to communicate well with clients, understand what they are trying to accomplish, and help put them in a position to really thrive in and throughout retirement.

Other recent stories:

Discussing Financial Planning For Couples

https://authoritypresswire.com/jeff-stukey-kirk-ashburn-co-founders-of-wealthspan-advisors-interviewed-on-the-influential-entrepreneurs-podcast-discussing-financial-planning-for-couples/

Discussing How Aging Science Impacts Retirement

https://authoritypresswire.com/jeff-stukey-jay-olshansky-ph-d-with-wealthspan-advisors-interviewed-on-the-influential-entrepreneurs-podcast-discussing-how-aging-science-impacts-retirement/

Investment Advisory Services are offered through Wealthspan Investment Management, LLC, a state-registered investment adviser. The commentary is for informational purposes only and should not be deemed as a solicitation to invest, or increase investments in any Wealthspan Investment Management, LLC products, or affiliated products. The information contained herein is not intended to provide any investment advice or provide the basis for any investment decisions. Please consult a qualified professional before making decisions about your financial situation. Information and commentary provided by Wealthspan Investment Management, LLC are opinions and should not be construed as facts. There can be no guarantee that any of the described objectives can be achieved. Past performance is not a guarantee of future results.

Jake Hanks discusses how he helps people realize the dream of home ownership.
Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-jake-hanks-loan-officer-with-synergy-one-lending/

When buying a home, the first step is to get pre-qualified or pre-approved for a mortgage. But there is a difference between the two.

Pre-qualification is a simple process that estimates how much someone could borrow based on their financial information. Pre-approval is a more in-depth process that gives a more accurate idea of how much people can borrow.

If someone is starting the home buying process, pre-qualification can give them a general idea of their borrowing power. But if they’re further along in the process and have found a home they want to make an offer on, pre-approval will give them more peace of mind that their loan will be approved.

Either way, getting pre-qualified or pre-approved for a mortgage is a smart first step in homebuying. It can help someone know how much home they can afford and gives sellers confidence that someone is a serious buyer.

Jake says: “My job is to educate, advocate, and be a team member along that journey. No matter the situation, there is always a solution. As a former college athlete, the skills and lessons I learned apply directly to my role as a Loan Advisor. Hard work, determination, and putting others first are critical in getting the job done the right way the first time. Giving my best is the standard, and the result you seek is the expectation!”

Client Fiona H. says: “Jake made the process approachable and was able to help us understand the process and seamlessly execute necessary tasks. I would absolutely recommend him to anyone looking to take out a loan.”

About Jake Hanks

Jake is a loan officer on Eric Kulbe’s team working for Synergy One Lending. He was born and raised in Fort Collins, Colorado, attended the University of Tulsa on a football scholarship, and received his MBA there. Before working in the mortgage industry, he worked in the world of commercial banking.

Learn More: https://s1l.com/loanofficer/jake-hanks/about-me/

Sean Pahut discusses how Montana Wealth Management aims to provide confidence around financial planning by utilizing their experienced advisors to create a customized plan tailored to support better their clients’ financial, family, and life goals. Whether it’s a newly empty nest, marriage, divorce, moving, a big promotion at work, aging parents, selling a business, or starting a new one…change is inevitable.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-sean-pahut-financial-consultant-with-montana-wealth-management-discussing-working-with-a-financial-broker-vs-financial-planning-advisor/

A financial broker is someone who helps clients buy or sell financial products. They work with various financial institutions to get the best deal for their clients. Financial brokers can provide a wide range of services, including investment advice, insurance products, and mortgage financing.

A financial planner is someone who helps clients create long-term financial plans. They will consider their current financial situation, goals, and risk tolerance to develop a plan that outlines how they can work towards their financial goals. Financial planners can also provide guidance on investing, retirement, and estate planning.

Pahut said, “While both financial brokers and financial planners can provide valuable services, there are some key differences that you should be aware of. One of the most important differences is that financial planners are fiduciaries. This means that they are legally required to act in your best interest which aligns their incentives with yours and helps ensure that they provide customized advice. Financial brokers, on the other hand, are not fiduciaries. Fiduciaries must adhere to a strict code of ethics. This helps to ensure that they are providing high-quality services.

Pahut says: “For over 25 years, I have helped my clients address their financial concerns and develop sound strategies by focusing on each individual’s specific needs. My practice is founded upon committing to my clients to follow a refined process because I believe this is the foundation for building a successful, long-term relationship. I work with qualified individuals, families, and businesses to provide integrated wealth management and planning services. Integrity, personalized advice, attention to detail, and unwavering commitment to the well-being of my clients are the hallmarks of my service process.”

About Sean Pahut

Sean earned his degree in finance from Carroll College in Helena, Montana, and holds the series 7, 63, and 66 registrations through LPL Financial and a Montana insurance license. Giving back to the community is important to him. He has been a LT. Governor with Kiwanis previously served on the board of Marias Medical Center and has volunteered as a wrestling and baseball coach. He and his wife have two children and live in Great Falls, where they are active in their children’s school and sports activities.

Learn More: https://montanawm.com/

Other recent stories:

Discussing the Benefits of Being an Independent Financial Professional

https://authoritypresswire.com/sean-pahut-a-financial-consultant-with-montana-wealth-management-was-interviewed-on-podcast-about-how-the-benefits-of-being-an-independent-financial-professional/

Securities and advisory services are offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.  The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual.  To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that the strategies promoted will be successful.

Adolfo & Andres Rodriguez discuss their approach to helping clients create a savings plan that makes sense for a successful future. Social Security is a necessary part of a comprehensive retirement income strategy; there are important considerations before claiming early. Working with a financial professional is crucial in coordinating three types of benefits.

Listen to their podcast interview on the Business Innovators Radio Network
https://businessinnovatorsradio.com/interview-with-adolfo-andres-rodriguez-with-a-r-financial-group-discussing-how-social-security-claiming-impacts-retirement/ 

Rodriguez says, “By combining the proper social security claiming strategy, the judicial use of annuities within qualified plans, a partial Roth conversion tactic, a properly structured Indexed Universal Life Insurance policy, and other financial instruments, a synergistic effect can be created. This approach could minimize exposure to market risk, assure the continuation of tax-efficient income, and significantly increase the after-tax amount received.”

Social Security is a crucial part of many people’s retirement planning. The Social Security Administration (SSA) estimates that about 60% of elderly Americans rely on Social Security for at least half of their income.

For most people, deciding when to claim Social Security benefits is one of the most important financial decisions they will make in retirement. The key to making the right decision is understanding how Social Security works and fits into an overall retirement plan.

Learn More: http://adolforetirement.com/

Here are some things to consider when making claiming decision:

Full Retirement Age

The full retirement age (FRA) is the age at which someone is eligible to receive full Social Security benefits. For people born between 1943 and 1954, FRA is 66. For those born in 1960 or later, FRA is 67. If they claim benefits before reaching FRA, their benefit will be reduced.

Life Expectancy

Life expectancy is an essential factor to consider when claiming Social Security benefits. Generally speaking, the longer someone is expected to live, the more advantageous it is to delay claiming benefits. This is because Social Security benefits are designed to replace a more significant portion of working income if they claim them later in life. For example, if they claim benefits at age 70 rather than 62, their benefit will be 28% higher. This can make a big difference in their overall retirement income.

Health Status

Health status is another critical factor to consider when making Social Security claiming decision. Generally speaking, the healthier someone is, the longer they can expect to live. If someone is in good health, waiting to claim Social Security benefits may be advantageous. On the other hand, if their health is not good and they don’t expect to live a long life, it may be better to claim benefits earlier. This is because they’ll want to maximize the time they spend receiving benefits.

The Bottom Line

Deciding when to claim Social Security benefits is a complex one. There are a lot of factors to consider, and there is no single right or wrong answer. The best thing you can do is to become educated about how Social Security works and how it fits into the overall retirement plan.

About  Adolfo & Andres Rodriguez

Adolfo Rodriguez became managing partner of the A/R Financial Group in 2005. With over 20 years of experience in the insurance and financial service industry, Adolfo Rodriguez has always focused on the unique needs and goals of the pre-retiree & retiree community. Adolfo Rodriguez and his team serve a select group of families to help build and maintain the retirement lifestyle they have worked so hard for and deserve.

Adolfo Rodriguez is a college graduate from the University of Houston Clear Lake and holds the following designations: Registered Financial Consultant (RFC), National Social Security Advisor (NSSA). He is a National Financial Planning Association member and the National Association of Insurance and Financial Advisors. Adolfo Rodriguez created the “GRIP” a proprietary system that produces guaranteed income in retirement, and author of “My Retirement Rescue” book. Adolfo is currently the President of the non-profit organization Casa Cuba of Houston. Adolfo is a member of the board of the San Jacinto College Advisory Committee. Adolfo is a speaker for SOFA, a non-profit organization Society of Financial Awareness. He’s also Co-founder of Bio Energetic, with two pain management clinics in Las Vegas, Nevada, San Antonio, and opening one in Houston in 2022. Adolfo Rodriguez has been featured on many networks as a Social Security and retirement expert.

Adolfo Rodriguez was born in Havana, Cuba in 1966, and his parents were able to leave the communist island for a better life in 1968. Adolfo’s family was transplanted to Texas, where they lived all their life. Adolfo grew up in Pasadena from the age of 12 and has been here ever since. Adolfo learned from his father the value of hard work, honesty, and integrity. His father opened and operated his own business, and Adolfo inherited the business after his father’s death in 2016. Adolfo operates the accounting part of his father’s business as other family members run the business’s daily operations.

Adolfo Rodriguez married his wife Denise Rodriguez in 1992 and have two children, a son Andres and a daughter Alexa. Alexa graduated from the University of Houston and will be teaching and coaching in her old high school Andres, after playing basketball in college at Kansas on an Athletic Scholarship, has joined the firm as a junior advisor. Adolfo is a Shriner and enjoys volunteering at the hospitals located in Galveston. Adolfo is proud to be a Shriner and the work they do in the community. Adolfo enjoys spending time with his children and wife; they enjoy traveling and doing multiple outdoor activities in the great state of Texas. Adolfo and his wife Denise have their family roots in Texas, and Texas is the place they call home.

Andres Rodriguez is completing his Bachelor of Business degree at the University of Houston Clear Lake. In 2021, Andrés became  a Junior Partner with over 5 years of experience in the industry. His goal is to create a personalized plan for every client based on their current financial situation and future retirement goals. In addition to his licenses in Life and Health Insurance, Rodriguez continues to study so that he may obtain other licenses to serve his clients better.

Since he was a small child, Andres Rodriguez has lived in the Pasadena area. Growing up Andres learned about the financial industry from watching his father (current managing partner) run and grow AR Financial Group into what it is today. During this time, he learned the importance of hard work, which eventually led him to play collegiate basketball. The focus of his hard work has now shifted to helping his clients on a daily basis. Learning the process to make sure that clients can reach their financial goals consistently. Andres loves Texas and has no desire to move out this great state.

Andres loves dogs and enjoys spending time with his two grown German Shepherds “Lady and Ryan.” Andres enjoys exchanging stories with other dog owners he is always amazed how different dogs can be depending on the breed. He would love to be a breeder as a hobby later on in life.

Merrit Strunk discusses topics including:

• Certain investment vehicles that used to be thought of as having good long-term returns may have changed.
• Medicare does not cover Long Term Care costs
• Having One Big Dollar figure for retirement is a misconception – we also recommend having a goal to generate tax-free income
• The “Set it and forget it” asset allocation in a retirement portfolio is potentially a mistake.

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-merrit-strunk-founder-of-momentum-financial-insurance-services-discussing-challenges-in-planning-a-successful-retirement/

According to a U.S. Department of Health and Human Services study, 70% of people over 65 will need Long Term Care at some point in their lives. https://aspe.hhs.gov/reports/what-lifetime-risk-needing-receiving-long-term-services-supports-0

As people age, they often require more medical care and assistance with activities of daily living. Long-term care is a type of care that helps people with these needs. Unfortunately, Medicare does not cover the costs of long-term care.

A few options are available to help pay for long-term care costs. One option is to purchase a long-term care insurance policy. This can be expensive, but it may cover some or all of the costs associated with long-term care. Another option is to use Medicaid. Medicaid will pay for some long-term care costs, but coverage varies by state.

Merrit says: ” Long-term care can be expensive, but there are ways to help offset the costs. There are various options available, but each has its own set of rules and limitations. It is essential to understand the costs and how they will be covered. Additionally, the set it and forget it mentality with investing for retirement can be a mistake! To help ensure your successful retirement, you must verify your financial portfolio allocations and risk thresholds periodically and consistently before and after retirement.”

Merrit is the host of the Retirement (UN) Broken Podcast and Radio show as well as author of the book “Your Retirement (UN)Broken: Your Retirement May Be Broken…You Just Don’t Know It – Yet”, in which he offers inspirational advice on how to enjoy life to its fullest. This insightful book teaches four reasons why so many people retire broke and stressed and how to change the future of retirement. Buy the book on Amazon

About Merrit Strunk

Merrit is an Investment Advisor Representative and Certified Financial Fiduciary (CFF). As both a published author and Radio Show personality, he has been a business leader all his life and is the creator of the “Momentum LifeYield Process.” He has also traveled around the world speaking on Business, Marketing, Financial and Personal Achievement. Merrit has always been passionate about financial planning. This is precisely why he started Momentum Financial and Insurance Services LLC. Merrit is proud to be a fiduciary and the role he plays in helping his clients work towards better financial outcomes.

Learn more: https://momentumfsgroup.com/

Other recent stories:

Discussing his book “Your Retirement (UN)Broken”

https://authoritypresswire.com/merrit-strunk-president-of-momentum-financial-and-insurance-services-interviewed-on-podcast-about-his-book-your-retirement-unbroken/

Advisory services are offered through Momentum Financial and Insurance Services LLC, an Investment Advisor in the State of California. Insurance products and services are offered through Merrit Strunk, Independent Agent (CA Lic. #0L7510). Momentum Financial and Insurance Services LLC and Merrit Strunk, Independent Agent are affiliated entities.

Kimberly Brunson is co-author of Default Industry Leaders first edutainment book about foreclosures and the Real Estate Owned (REO) industry and earned the ranking of No. 1 bestseller and No. 1 Hot New Release upon its debut in multiple categories including Real Estate Sales and Selling, Economics Development and Growth, Economics Urban and Regional, and Econometrics.

Default Industry Leaders Authors in order of chapters include Kristen Conti, Lana Cook Detro, Alyson Silverman, Kimberly Brunson, Tammy Seymour, Jennifer Patnode, Louis Fontaine, and Brandy Nelson.

Brunson contributed her chapter “How to Win Friends and Influence Foreclosured Home Buyers in Today’s Marketplace” to the project.

Kimberly Brunson is joined by co-authors Kristen Conti, Lana Cook Detro, Alyson Silverman, Tammy Seymour, Jennifer Patnode, Louis Fontaine, and Brandy Nelson. 

“Foreclosure Tails: A Day in the Life of a REO Broker” is designed to be both educational and entertaining with real stories and adventures from each of the authors.

The entertainment chapters in order of appearance include “Hurry Up and Wait” by Kristen Conti; “Hoarding, Haunting, and Dead Man Walking” by Lana Cook Detro; “Nine Cops Guns Drawn, 8 Chickens A-Laying, 2 Evictions and a Partridge in a Pear Tree” by Alyson Silverman; “How to Win Friends and Influence Foreclosured Home Buyers in Today’s Marketplace” by Kimberly Brunson; “Tails of the Wild” by Tammy Seymour and Jennifer Patnode; “Someone Has to Clean Up the Mess” by Louis Fontaine, and “Challenge Accepted” by Brandy Nelson. 

The educational chapters include market updates for each location represented by the authors, client testimonials, and a glossary of default industry real estate terms. 

About Kimberly Brunson

Kimberly Brunson, principal broker/owner of Hunter Real Estate acquired her Kentucky Real Estate Sales Associate License in 1998, her Kentucky Broker’s license in 2001, and her Florida Broker’s license in 2018. From the founding of Hunter Real Estate in 2001, Kimberly focused her attention on the effective marketing, listing, and disposition of foreclosed residential properties in the central Kentucky area. Kimberly works diligently to remove the stigma of these less-than-perfect homes and puts as much effort into marketing the unique appeal of each home as an agent or broker would a more typical listing. Kimberly’s marketing approach has earned her listings with Freddie Mac, Fannie Mae, VA, USDA, and HUD, in addition to numerous national and international lenders. Kimberly and her husband John divide their time between their home in Lexington, Kentucky, and Panama City Beach, Florida.

State of the Market Central Kentucky and Florida Panhandle Areas

“I am the principal Broker of Hunter Real Estate,” said Brunson. “My main area of focus is Central Kentucky. I also have my Florida Brokers license and have experience in the Panhandle Area specifically Panama City Beach, Florida.”

Brunson added, “The market in Central Kentucky remains stable with modest growth in most areas.  I expect to see a slowdown in new home construction as building prices explode. There are more properties on the market now than earlier in the year.  These homes are taking longer to put under contract and potentially close depending on the interest rates.”

“Rising inflation created by everyday supplies along with utilities is hurting purchasing power.  The rising price of gasoline and now interest rates are making it difficult for first-time home buyers who want to purchase or for second home purchasers who want to move up,” she said.

Interest rates have affected the market. 

“With rising interest rates, I expect a slow down for the next few years. Variable rate interest loans that offer a lower introductory rate could come back into the market and cause homebuyers to have difficulty maintaining their future home payments,” she said.

 “I’ve been working with bank-owned homes, short sales, and Deed in Lieu of Foreclosure for more than 25 years.”

About Default Industry Leaders

    Default Industry Leaders is a non-profit organization. Any proceeds from this book will be donated to charitable causes. The purpose of the group is to support other REO brokers, to open the doors to newer agents who may wish to break into the default segment of the market but have been denied access, and to market Default Industry Leaders effectively to potential clients and the buying public. Features and benefits of DIL for Professionals: 

• Nationwide networking with the most experienced REO/Default Realtors at all conferences, gatherings, and events.
• Several proprietary (in-house) networking events give you a chance to interact with REO vendors and decision-makers.
• Exposure to our Agent Directory (which can also help your online SEO presence)
• Interaction with REO/Default leaders on our website and Facebook Group.
• Our website and Facebook page will give you the ability to stay on top of all breaking news related to REO/Default.
• Help contribute to our many charitable causes to feed the hungry, help women’s shelters, donate to disaster-stricken areas, and take care of our soldiers.

Learn more about Default Industry Leaders. 

Alyson Silverman is co-author of Default Industry Leaders first edutainment book about foreclosures and the Real Estate Owned (REO) industry and earned the ranking of No. 1 bestseller and No. 1 Hot New Release upon its debut in multiple categories  including Real Estate Sales and Selling, Economics Development and Growth, Economics Urban and Regional, and Econometrics.

Default Industry Leaders Authors in order of chapters include Kristen Conti, Lana Cook Detro,  Alyson Silverman, Kimberly Brunson, Tammy Seymour, Jennifer Patnode, Louis Fontaine, and Brandy Nelson.

Silverman contributed her chapter “Nine Cops Guns Drawn, 8 Chickens A-Laying, 2 Evictions and a Partridge in a Pear Tree” to the project.

Silverman is joined by co-authors Kristen Conti, Lana Cook Detro, Kimberly Brunson, Tammy Seymour, Jennifer Patnode, Louis Fontaine, and Brandy Nelson. 

“Foreclosure Tails: A Day in the Life of a REO Broker” is designed to be both educational and entertaining with real stories and adventures from each of the authors.

The entertainment chapters in order of appearance include “Hurry Up and Wait” by Kristen Conti; “Hoarding, Haunting, and Dead Man Walking” by Lana Cook Detro; “Nine Cops Guns Drawn, 8 Chickens A-Laying, 2 Evictions and a Partridge in a Pear Tree” by Alyson Silverman; “How to Win Friends and Influence Foreclosured Home Buyers in Today’s Marketplace” by Kimberly Brunson; “Tails of the Wild” by Tammy Seymour and Jennifer Patnode; “Someone Has to Clean Up the Mess” by Louis Fontaine, and “Challenge Accepted” by Brandy Nelson. 

The educational chapters include market updates for each location represented by the authors, client testimonials, and a glossary of default industry real estate terms. 

About Alyson Silverman

Over the course of her real estate career, Alyson Silverman has consistently been awarded for her sales production. She credits her success to her focus on continuous improvement, negotiating skills, and commitment to provide her buyers and sellers with the information and tools they need to make sound decisions.

To match her services to the needs of her clients, Silverman has continually worked to further her education. She completed an advanced series of coursework to earn the following designations: Certified Distressed Property Expert (CDPE), Accredited Staging Professional which adds dollars onto the sale of your home and helps to sell your home quicker as a free service to her clients (ASP), Accredited Real Estate Owned (AREO), REO Default Certified Professional (RDCPro), and Certified HAFA Specialist, (CHS) which allows her to provide her clients with valuable guidance about the Home Affordable Foreclosure Alternatives (HAFA) program, and Senior Real Estate Specialist (SRES). Alyson has been selected to be one of 10 agents nationally on the 2013 Force Advisory Board to show her dedication to her Short Sale and Foreclosure clients.

As an active member in the Real Estate community, Alyson has served several years on the Grievance and Pro Standards committees for the Southland Regional Association of Realtors, and in 2017 she served on their YPN committee. At her own Keller Williams Office, she was on 2017 ALC (Associate Leadership Council). She is also charter member of the Default Industry Leaders, serving two years on their Board of Directors and this is her second year serving on the Default Committee for AREAA. She also devoted several years to her own HOA board and participates in many charity events annually. She recently became a member of the exclusive Keller Williams Sports & Entertainment group.

Before she entered the real estate business, Silverman leveraged the knowledge she acquired from earning her degree in Business Administration and Marketing at California State University Northridge (CSUN) to work for Amgen in Newbury Park. 

When asked about why she chose to pursue a career in real estate, she commented, “A friend of mine saw a spark in my eye whenever he mentioned real estate and encouraged me to get my license. Real estate is truly my passion. I love helping people build wealth, avoid foreclosure, or simply find their piece of the American dream.”

State of The Market Los Angeles/Ventura Counties

“The market has shifted/corrected a bit in Los Angeles and Ventura counties. Interest rate increases have knocked a lot of buyers out and homes are staying on the market longer for a few reasons,” said Silverman. 

 “While I wish I had a crystal ball, I do not. I do believe that the market will normalize.  Prices might temporarily decrease due to a lack of buyers (lack of demand); however, in the long-term prices will always go up and buying is always better than renting and paying someone else’s mortgage.”

About Default Industry Leaders
    Default Industry Leaders is a non-profit organization. Any proceeds from this book will be donated to charitable causes. The purpose of  the group is to support other REO brokers, to open the doors to newer agents who may wish to break into the default segment of the market but have been denied access, and to market Default Industry Leaders effectively to potential clients and the buying public.

Features and benefits of DIL for Professionals: 

• Nationwide networking with the most experienced REO/Default Realtors at all conferences, gatherings, and events.
• Several proprietary (in-house) networking events give you a chance to interact with REO vendors and decision-makers.
• Exposure to our Agent Directory (which can also help your online SEO presence)
• Interaction with REO/Default leaders on our website and Facebook Group.
• Our website and Facebook page will give you the ability to stay on top of all breaking news related to REO/Default.
• Help contribute to our many charitable causes to feed the hungry, help women’s shelters, donate to disaster-stricken areas, and take care of our soldiers.

Learn more about Default Industry Leaders.

Kristen Conti co-author of Default Industry Leaders’ first edutainment book about foreclosures and the Real Estate Owned (REO) industry has earned the ranking of No. 1 bestseller and No. 1 Hot New Release upon its debut in multiple categories.  These include Real Estate Sales and Selling, Economics Development and Growth, Economics Urban and Regional, and Econometrics. 

Default Industry Leaders Authors in order of chapters include Kristen Conti, Lana Cook Detro,  Alyson Silverman, Kimberly Brunson, Tammy Seymour, Jennifer Patnode, Louis Fontaine, and Brandy Nelson. 

Conti contributed her chapter “Hurry Up and Wait” to the project.  She also wrote the Introduction, Prologue and Epilogue and kept the project on track. 

“It was very important that we release the book at the appropriate time.  With the post-pandemic demand for housing driving prices upward, no one was thinking about foreclosures.  Now with the sharp changes, we are seeing in the market, all eyes are on the future of foreclosures.”  Conti said. 

Conti is joined by co-authors Lana Cook Detro, Alyson Silverman, Kimberly Brunson, Tammy Seymour, Jennifer Patnode, Louis Fontaine, and Brandy Nelson.  

“Foreclosure Tails: A Day in the Life of a REO Broker” is designed to be both educational and entertaining with real stories and adventures from each of the authors. 

The entertainment chapters in order of appearance include “Hurry Up and Wait” by Kristen Conti; “Hoarding, Haunting, and Dead Man Walking” by Lana Cook Detro; “Nine Cops Guns Drawn, 8 Chickens A-Laying, 2 Evictions and a Partridge in a Pear Tree” by Alyson Silverman; “How to Win Friends and Influence Foreclosured Home Buyers in Today’s Marketplace” by Kimberly Brunson; “Tails of the Wild” by Tammy Seymour and Jennifer Patnode; “Someone Has to Clean Up the Mess” by Louis Fontaine, and “Challenge Accepted” by Brandy Nelson.  

The educational chapters include market updates for each location represented by the authors, client testimonials, and a glossary of default industry real estate terms.  

About Kristen Conti  

Kristen Conti has been a Realtor since 1993 and works side by side with her husband Dave who joined their business in 1995. She currently owns and operates Peacock Premier Properties where she and her team serve Charlotte and Sarasota Counties including Little Gasparilla, Palm, and Don Pedro Islands.   Boca Grande in Lee County is also a specialty.  All of these are on the Southwest Coast of Florida. While her passion now is in the development of her team and seeing them succeed, she and Dave still handle all their bank clients and referrals personally. Their expertise and trustworthiness over the last 29 years have given them a business that runs 91.5% by referral.  They love their hometown of Englewood Florida and are always giving back to charities and their community. 

State of the Market in Southwest Florida 

“Here in Southwest Florida along the beautiful Gulf Coast, we are seeing a lot of changes in the real estate market due to interest rate increases and decreased buyer demand,” said Conti.  

“While we are not yet experiencing substantial price reductions, we are seeing regular arms-length transactions with buyers who are using mortgage financing being able to bid on properties with normal terms. They are able to request inspections and appraisals as opposed to having to waive those over the last two years.” 

Conti added, “Where we are seeing significant changes is regarding new construction sales. Builders are offering significant incentives to help buyers buy down their interest rates or cover closing costs.  Last week I was able to get some customers from my home state of RI a $25,000 price reduction on a spec home and $15,000 toward closing costs and prepaid items.  The home will be ready in January of 2023. “ 

“Builders who were either removing Realtors from the process altogether or paying very low commissions are now reaching out to invite us to parties and offering bonus commissions,” Conti said. 

“The wild card here is something often referred to as a Black Swan event created by unpredictable events such as a pandemic, war, and other conflicts,” she said.   

Video Link: https://www.youtube.com/embed/7inP4k2kRTE

About Default Industry Leaders

Default Industry Leaders is a non-profit organization. Any proceeds from this book will be donated to charitable causes. The purpose of the group is to support other REO brokers, to open the doors to newer agents who may wish to break into the default segment of the market but have been denied access, and to market Default Industry Leaders effectively to potential clients and the buying and selling public. 
Features and benefits of DIL for Professionals:  

• Nationwide networking with the most experienced REO/Default Realtors at all conferences, gatherings, and events. 
• Several proprietary (in-house) networking events give you a chance to interact with REO vendors and decision-makers. 
• Exposure to our Agent Directory (which can also help your online SEO presence) 

• Interaction with REO/Default leaders on our website and Facebook Group. 
• Our website and Facebook page will give you the ability to stay on top of all breaking news related to REO/Default. 
• Help contribute to our many charitable causes to feed the hungry, help women’s shelters, donate to disaster-stricken areas, and take care of our soldiers.

Learn more about Default Industry Leaders. 

Jeff Stukey & Kirk Ashburn discuss their approach to helping couples create a savings plan that makes sense for a successful future.

Listen to the interview on the Business Innovators Radio Network –   https://businessinnovatorsradio.com/interview-with-jeff-stukey-kirk-ashburn-co-founders-of-wealthspan-advisors-discussing-financial-planning-for-couples/

Whether they realize it or not, many investors find themselves unprepared regarding their financial future and well-being. In working with hundreds of financial advisors and clients over the last 20 years, they have found that traditional methods in financial planning are often based on a series of assumptions, specifically when it comes to overall health and longevity.  This can have a huge impact on their financial future. Although the exact future cannot be known, having a method to help forecast and plan to prepare for what lies ahead is crucial to reaching retirement goals.

By working directly with scientists specializing in Aging Science, using scientifically verified methods and technology not available at ANY other financial firm, Wealthspan implements and monitors a realistic, personalized retirement plan based on one’s unique genetic composition, longevity, health attributes, and happiness objectives.

With this data, they have a plan that cannot only forecast all expected outcomes on the plan’s objectives but one that can be implemented and monitored to determine that the plan is meeting its objectives and making actual progress towards its expected outcomes. Health and happiness are the most precious commodities that exist. Once health and happiness are lost, it doesn’t matter how much money one has. However, the way they manage money can have a dramatic impact on both their health and happiness. Achieving peace of mind by planning the best way possible to maximize health and happiness in retirement is priceless and certainly can’t be done alone.

Stukey says, “Wealthspan Advisors is a firm that is acutely aware of national and personal trends in health and wealth. We’ve identified and developed the tools needed to maximize your wealthspan. We’re composed of experienced wealth management professionals who have spent over 30 years combined educating advisors and clients about proper wealth planning; and world-renown research scientists in the field of aging that are keeping track of developments in science and medicine and finding ways to utilize that information to help with both your health and wealth planning.”

Get a copy of their book, “Pursuing Wealthspan: How Science is Revolutionizing Wealth Management,” visit: https://www.wealthspanadvisors.com/

About  Jeff Stukey & Kirk Ashburn

Jeff has been in the financial services business for over 20 years. Most of his time has been spent in executive-level roles helping train hundreds of financial advisors around the country on how to better plan for and serve their clients. He deeply understands financial planning and the financial products that can be used to create the desired outcome for clients. After watching his parents work hard but struggle financially for most of his childhood and early adult life, Jeff set out to help clients become more educated and get better advice to help them grow and protect their wealth so they could live their best lives. Because of the experience gained over the last 20+ years, Jeff has been able to communicate well with clients, understand what they are trying to accomplish, and help put them in a position to really thrive in and throughout retirement.

Kirk Ashburn is a highly trained professional with more than 15 years of industry experience. He has successfully been involved in helping individuals and families in Illinois and across the country to change the way they save and plan for their future as well as generations to come. Kirk focuses on providing retirement income planning services with the goal of educating clients as to their options for meeting their current financial needs, achieving their long-term financial goals, avoiding common retirement-planning mistakes and enjoying a lifetime of financial freedom. This approach helps his clients have confidence with their financial affairs, now and throughout their retirement.

Investment Advisory Services are offered through Wealthspan Investment Management, LLC, a state-registered investment adviser. The commentary is for informational purposes only and should not be deemed as a solicitation to invest, or increase investments in any Wealthspan Investment Management, LLC products, or affiliated products. The information contained herein is not intended to provide any investment advice or provide the basis for any investment decisions. Please consult a qualified professional before making decisions about your financial situation. Information and commentary provided by Wealthspan Investment Management, LLC are opinions and should not be construed as facts. There can be no guarantee that any of the described objectives can be achieved. Past performance is not a guarantee of future results.

Jeff Stukey & Jay Olshansky discuss their approach to helping clients create a savings plan that makes sense for a successful future.

Listen to the interview on the Business Innovators Radio Network –   https://businessinnovatorsradio.com/interview-with-jeff-stukey-jay-olshansky-ph-d-with-of-wealthspan-advisors-discussing-how-aging-science-impacts-retirement/  

Wealthspan Advisors is a company that came into being because two scientists in the field of longevity study joined forces with two experienced financial advisors with a vision of helping people realize their most significant wealth and health by being aware of both and the impact each has on the other. By introducing aging science into the wealth planning conversation, they start with a foundation based on the client’s unique attributes and build a unique plan for them. The plan focuses on their healthspan and the gap that may exist with the lifespan and healthspan of their spouse, if applicable. It’s a conversation they’ve likely never had and an experience they’ve likely never heard of, but it’s instrumental in financial decision-making.

Aging science can play a crucial role in informing these decisions by helping to understand the physical and cognitive changes that occur with age. There are several factors to consider when planning for retirement, including health, lifestyle, and income. Aging science can help to understand better how these factors may change over time and what steps can be taken to mitigate any negative impacts. For example, research into aging has shown that physical abilities tend to decline. This can significantly impact the ability to continue working or enjoying leisure activities. However, there are ways to offset this decline through exercise and other healthy lifestyle choices. Similarly, cognitive decline is a natural part of aging, but some steps can be taken to protect the brain. Brain-training exercises, social activities, and a healthy diet are all important in maintaining cognitive function.

Aging science can also help to understand the financial implications of retirement. Overall, aging science can provide valuable insights into aging and the changes that occur over time. This information can inform decisions about retirement planning and help ensure a comfortable later life.

Jeff Stukey & Jay Olshansky say, “It’s our job to find out who you are, where you are, and what you want to accomplish so we can design a plan together to get you there. We will concentrate on several topics: risk management, distribution or income planning, RMD and tax planning, estate planning, and longevity planning. The financial products are only recommended because they will help you accomplish your goals – that’s the only thing that matters. As independent fiduciary advisors, we are held to a legal responsibility to make recommendations that are in your best interest with no conflicts of interest based on how we get paid. The fact that we are independent also means we don’t have any proprietary products or company quotas we need to meet. So, you can rest assured that any recommendation concerning any financial product is made with your best interest in mind.”

Get a copy of their book, “Pursuing Wealthspan: How Science is Revolutionizing Wealth Management,” visit: https://www.wealthspanadvisors.com/

About  Jeff Stukey & Jay Olshansky, Ph.D

Jeff has been in the financial services business for over 20 years. Most of his time has been spent in executive-level roles helping train hundreds of financial advisors around the country on how to better plan for and serve their clients. He deeply understands financial planning and the financial products that can be used to create the desired outcome for clients. After watching his parents work hard, but struggle financially for most of his childhood and early adult life, Jeff set out to help clients become more educated and get better advice to help them grow and protect their wealth so they could live their best lives. Because of the experience gained over the last 20+ years, Jeff has been able to communicate well with clients, understand what they are trying to accomplish, and help put them in a position to really thrive in and throughout retirement.

Jay Olshansky received his Ph.D. in Sociology at the University of Chicago in 1984. He is currently a Professor in the School of Public Health at the University of Illinois at Chicago, Research Associate at the Center on Aging at the University of Chicago and at the London School of Hygiene and Tropical Medicine, and Chief Scientist at Lapetus Solutions, Inc.The focus of his research to date has been on estimates of the upper limits to human longevity, exploring the health and public policy implications associated with individual and population aging, forecasts of the size, survival, and age structure of the population, pursuit of the scientific means to slow aging in people (The Longevity Dividend), and global implications of the re-emergence of infectious and parasitic diseases. Dr. Olshansky is on the Board of Directors of the American Federation of Aging Research.

Investment Advisory Services are offered through Wealthspan Investment Management, LLC, a state-registered investment adviser. The commentary is for informational purposes only and should not be deemed as a solicitation to invest, or increase investments in any Wealthspan Investment Management, LLC products, or affiliated products. The information contained herein is not intended to provide any investment advice or provide the basis for any investment decisions. Please consult a qualified professional before making decisions about your financial situation. Information and commentary provided by Wealthspan Investment Management, LLC are opinions and should not be construed as facts. There can be no guarantee that any of the described objectives can be achieved. Past performance is not a guarantee of future results.