Optimized Advisor Podcast

Scott welcomed Chris Fuller to the virtual studio for this week's episode! Scott and Chris discuss the role of Right Path Resources in optimizing team dynamics and leadership through behavioral assessments, especially for financial and insurance professionals, while emphasizing personal growth and intentional team development.Chris Fuller, CSP is an award-winning international leadership speaker, author, and consultant with over 25 years of experience helping organizations build engaged leaders, high-performing teams, and inspired cultures. As President & CEO of RightPath Resources, Chris has expanded the firm's impact – delivering proprietary behavioral tools and leadership development systems to clients across six continents—including several Fortune 500 companies, and 12 NFL teams.A gifted storyteller and adventurer, Chris draws leadership lessons from both real-world business challenges and personal adventures, weaving practical insights with bold perspective. He is the author of Iditarod Leadership and InSPIRED Leadership, and holds the Certified Speaking Professional designation. In this episode you will learn the following:How RightPath Resources' behavioral assessment tools help to optimize team dynamics and leadership development in organizations, including NFL teams and various industries.The importance of understanding individual wiring through assessments like RightPath to improve hiring processes, team interactions, and overall workplace efficiency, specifically targeting financial and insurance professionals.The significance of self-awareness and understanding team dynamics to avoid common issues in organizations, such as miscommunication and ineffective team performance, by using data-driven insights from behavioral assessments.Chris Fuller's books including "Iditarod Leadership" and "Inspired Leadership," which focus on leadership principles and team optimization, using storytelling to convey complex concepts. Connect with Scott on LinkedInConnect with Chris on LinkedInFor more on The Optimized Advisor Podcast click here  For more on RightPath Resources click hereFollow us on LinkedIn  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed Ruth Raftery in the studio for a discussion about the importance of education in estate and tax planning, the role of financial advisors in collaborating with estate planning attorneys, and shares insights on effective tax planning strategies.Ruth Raftery, JD, CPA, AEP® is a licensed attorney and a Certified Public Accountant with over 20 years of experience. As President and co-founder of Advanced Planning Educational Group (APEG), Ruth is responsible for creating and executing the design and strategic direction of APEG's mission to support the needs of professionals who participate in the holistic planning process. In addition to her role with APEG, Ruth also serves as a Senior Advisor to AltaView Advisors, LLC a business valuation firm with offices in Orange County, San Francisco, Dallas, and New York, and is an instructor at Oakland University in Rochester, Michigan, where she teaches Income Tax in the post-graduate certification program.Ruth has developed and taught various Estate, Gift, Trust, and Tax courses throughout her career. She is past President of the Estate Planning Council of New York City, past Chair of the Estate Planning Committee of the New York State Society of Certified Public Accountants and is an Accredited Estate Planner designee™ awarded by the National Association of Estate Planners and Councils. Ruth received her undergraduate degree in Accounting from the University of Scranton and her Law Degree from Temple University School of Law. She and her husband Brian live in Westfield, NJ. She and Brian have three college-aged daughters – Brigid, Megan, and Erin.  In this episode you will learn the following: The importance of building relationships with attorneys and accountants for financial advisors to effectively incorporate estate and tax planning into their practices.The critical role that financial advisors play in educating clients about estate planning without crossing into legal advice.Innovative strategies, such as leveraging Roth conversions not just for tax benefits, but also for strategic financial planning, such as funding life insurance policies.The unique dynamics of female advisor conferences and the importance of fostering intimate, supportive environments for women in the financial industry. Ruth shares insights into how these settings can encourage authenticity and collaboration, ultimately supporting the growth and success of female financial advisors. Connect with Scott on LinkedInConnect with Ruth on LinkedInFor more on The Optimized Advisor Podcast click here  For more on APEG click hereFollow us on LinkedIn  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed Steve Prew to the virtual studio for this week's episode where they discuss discussing the evolution of financial advising, the importance of lifelong learning, and how The American College is adapting its educational offerings to meet the changing needs of both advisors and the financial industry at large.Steve Prew is the Vice President and National Sales Manager at The American College of Financial Services. In his current role, Steve leads a dynamic sales team focused on exploring, developing, and managing institutional relationships within both the insurance and investment sectors of the industry.Before joining The American College, Steve held a variety of roles with increasing responsibility, including retail advisor, internal and external wholesaler, key accounts manager, and national sales manager. These experiences have provided him with a well-rounded understanding of the financial services landscape.A U.S. Navy veteran, Steve holds a Bachelor's degree in Finance and an MBA with a focus in Strategic Management from Regis University. He currently resides in Highlands Ranch, CO with his wife, Katie. In his free time, Steve enjoys outdoor activities such as golfing, cycling, and bowhunting.In this episode you will learn the following:How The American College of Financial Services focuses on lifelong learning and the evolving landscape of financial services education.The importance of continuous education in financial services, emphasizing the American College's role in providing specialized designations like the Tax Planning Certified Professional and Wealth Management Certified Professional.The changing dynamics in the financial advisory industry, including the integration of insurance and investments, the recruitment of younger advisors, and the shift away from traditional four-year college degrees.The American College's innovative approaches to education delivery, such as their Personal Pathway model and Knowledge Hub, which offer interactive, accessible, and comprehensive learning experiences for financial professionals. Connect with Scott on LinkedInConnect with Steve on LinkedInFor more on The Optimized Advisor Podcast click here  For more on The American College click hereFollow us on LinkedIn  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott was joined by Walter Young in the virtual studio for a discussion on retirement income strategies, focusing on Young's book "The Fifth Option," which explores innovative approaches to retirement planning that go beyond traditional methods, such as utilizing actuarial science and investments to create a predictable and efficient income stream.Walter C. Young ,MBA, RICP, is a dynamic financial expert, national speaker, Industry panelist and Amazon best-selling author of The 5Th Option.  Walter helps his audiences learn about the challenges retirees face in a modern economic environment and post pension society. His blend of stories, humor and financial planning theory keeps audiences entertained while learning the very latest academic research in retirement income planning. He earns rave reviews and guests often stay long after his presentation has ended to continue conversations.With over 20 years of experience in the financial services industry, Walter has become a thought leader in economic-based financial planning theory, helping clients develop strategies to achieve their retirement goals.Walter holds the prestigious Retirement Income Certified Professional (RICP) designation from the American College of Financial Services and a Master's in Business from Seattle University and is a member of the exclusive Forum 400.In this episode you will learn the following: The "Fifth Option" in retirement planning, which challenges traditional financial planning strategies by integrating actuarial science and investments to recreate the stability once provided by pensions and Social Security.The shortcomings of the traditional three-legged stool of retirement (pension, Social Security, and personal savings) and emphasizes the importance of creating a sustainable cash flow strategy, especially in the absence of pensions.The "Beat the Bear" strategy, which involves using non-correlated assets like cash value life insurance to protect against market downturns, and the "Bucket Strategy," which segments assets into now, soon, and later buckets to manage risk and income flow over time.The need for individuals to rethink retirement planning by focusing on creating predictable, risk-managed income streams using innovative financial products and strategies, aiming for a more efficient and confident retirement experience.Connect with Scott on LinkedInConnect with Walter on LinkedInFor more on The Optimized Advisor Podcast click here  For more on The 5th Option and to purchase the book click hereFollow us on LinkedIn  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed Roger Cantu, Regional Sales Director at One America, in studio for a discussion on the importance of long-term care planning for the aging population, highlighting the financial and familial impacts of unaddressed chronic health care expenses and advocating for advisors to proactively include long-term care solutions in their client discussions.Roger works with insurance professionals sharing his decades-long experience with One America's Care Solutions plans. He provides case design strategies, proven sales presentation as well as marketing resources to grow and enhance an individual insurance business or a financial planning practice. For over 34 years, Roger has worked exclusively with the Care Solutions. 15 years under the original company Golden Rule Insurance, and the last 16 under OneAmerica. A resident of Plano, Texas, Roger is married with four adult children and six grandchildren.In this episode you will learn the following: The "Silver Tsunami," referring to the wave of aging baby boomers and the significant long-term care needs they will soon face as they approach ages where such care becomes more common.The inadequacy of Medicare in covering long-term care expenses, which are significant and not commonly planned for by individuals. The importance of advisors actively discussing long-term care planning with clients is stressed, as many advisors currently avoid or inadequately address the issue.The challenges and opportunities presented by state-level initiatives, such as the Washington state law mandating long-term care coverage, which could influence broader adoption of long-term care insurance and planning. Connect with Scott on LinkedInConnect with Roger on LinkedInFor more on The Optimized Advisor Podcast click here  For more on One America click hereFollow us on LinkedIn  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed Travis Ivanoff to the studio along with Nick Bernatowicz for a discussion on seminar marketing and Ivanoff Advisors. Travis has been licensed in the insurance industry for over 16 years. Following in his father's footsteps, Travis grew up in the retirement planning industry learning his father's best practices. These years proved to him the importance of client relationships.Travis believes in taking the time to make sure his clients understand the investment subjects before them and which options provide the best fit for their retirement plan. His investment philosophy stresses that it's not what you make, but what you keep, promoting a safety-first approach with various strategies for growth. Travis founded Ivanoff Wealth Management Inc. to provide clients with a deeper understanding of investment strategies.Travis resides in Cypress, California with his wife and three daughters. He is the vice president and development director for Pacific Coast Youth Foundation, a nonprofit for at-risk youth in Orange County that began as a memorial to his cousin Ernie. In his free time Travis enjoys snowboarding, surfing, camping, fishing, and golfing.In this episode you will learn the following:Travis's background and the evolution of his family's advisory practice.The importance of consistency and adaptability in conducting successful seminars for client acquisition.Long-term care planning is a critical component of holistic financial advising.The importance of time management, hiring strategically to scale a business, and balancing professional success with personal life priorities. Connect with Scott on LinkedInConnect with Travis on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Ivanoff Advisors click hereFollow us on LinkedInFollow us on Instagram  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed Blayne Andersen in studio for a discussion his firm's expansion and strategic approach to financial planning, tax-smart investment strategies, and client relations across multiple states, emphasizing the importance of technology and collaboration with CPAs.Blayne Andersen, CFP® is the President and Chief Investment Officer of Bander Wealth Management and a Registered Financial Advisor with the NFLPA. With well over a decade of experience in capital markets, he has experience offering best in-class securities and advanced retirement planning strategies to include alternative investments such as real estate, oil and gas, along with structured notes, private equity and venture placements. His commitment to help clients achieve generational-changing wealth is only matched by his fiduciary responsibilities of operating with uncompromising integrity and fidelity to do what is best for our clients and their families. In this episode you will learn the following: Strategic Growth Through Acquisitions and PartnershipsEmphasis on Client-Centric CommunicationOperational Efficiency and Technology UtilizationBalancing Professional and Personal Life Connect with Scott on LinkedInConnect with Blayne on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Bander Wealth Management click hereFollow us on LinkedIn **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed Nick Bernatowicz in studio to discuss finances, annuities, and wellness. Nick started his insurance career in 2015, dedicating his time to assisting insurance and Financial Advisors and their Clients within the three facets of Protective Portfolio Planning – annuities, life insurance, and long-term care insurance. Nick took his passion for coaching and transitioned it from the fitness world to the insurance and financial world, quickly becoming a resource for advisors throughout the country.Nick is currently an Insurance Planning Director at Optimized Insurance Planning, a wholesale insurance planning and marketing organization. Over the 8+ years of experience in the industry, Nick has become an expert in Long-Term Care planning, portfolio distribution and protection strategies, as well as legacy planning. Nick has a passion for partnering directly with Financial Professionals and providing them with direct, back-office support to help plan, protect, and enhance their practices. Nick is an active member of the Financial Planning Association (FPA). He maintains the RICP (Retirement Income Certified Professional) designation through the American College and the CLTC (Certification for Long-Term Care) designation.Nick is very active; exercise and wellness are a big part of his day. In his free time, he enjoys golfing, wine tasting, and spending time with his wife, Britne, and daughter, Kylie. Nick currently lives in Texas.In this episode you will learn the following:Key industry trends: strong performance of annuities, particularly due to favorable interest rates, and the importance of guaranteed renewal rates in providing client security.The opportunity for replacing older life insurance and annuity contracts to provide better benefits, such as enhanced long-term care and guaranteed income solutions.Maintaining fitness routines through colder months, recommending consistent exercise.Optimal pre- and post-workout nutrition. Connect with Scott on LinkedInConnect with Nick on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Optimized Insurance Planning click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott Heinila welcomed Sean Humeston to the studio to discuss Sean's unconventional journey from a punk rock band musician to a successful career in the insurance industry. The conversation highlights Sean's innovative approach to marketing annuities, including leveraging newspaper ads and community papers, as well as his experiences with seminars and events.Sean Humeston was born and raised in Orange County, California where he began his career as a musician in a rock band in 1996 through 2003. During that time, he completed 14 national tours and played in several groups sharing his talents. Sean played bass guitar in these bands, but more importantly he played a huge role in the financial success of these groups. From budgeting to promotion, he developed a passion for finance. Sean then decided to make a shift in his trade and became a licensed retirement planner in 2001, where he specialized in working with school teachers. In 2008, he started Shoreline Financial Services LLC. After 23 years in the financial industry, his areas of expertise have now broadened to include estate and retirement planning, personal budgeting, wealth transfer as well as insurance and income planning. Sean is a proud member of the Better Business Bureau, National Ethics Association and the Institute of Financial Wellness.Sean now resides in Queen Creek, Arizona. Outside of the office, he loves traveling and spending time with his wife and children. He still has maintained his passion for music over the years and actively plays the piano, guitar and bass.In this episode you will learn the following: How Sean transitioned from being a bass player in a punk rock band to being a financial advisor.The Shoreline Financial success storyThe short-term annuity business model to continually engage with clientsAdvertising in the right markets through newspapers and client seminars creates success.Connect with Scott on LinkedInConnect with Sean on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Shoreline AZ click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

In this episode, Scott Heinila welcomed Michael Stapleton in studio for a discussion about AI and insuretech. Michael is the CEO & Co-Founder of Leopard, an AI-powered B2B insurtech startup that helps life & annuities distributors identify revenue opportunities in their existing books of business. Prior to Leopard, Michael was VP & General Manager at Policygenius, overseeing the company's B2B offering. He spent time as a management consultant at L.E.K. Consulting and earlier in his career served in B2B SaaS head of marketing roles. Michael holds a BA from Reed College, an MBA from HEC Paris, and a Master's of Advancement Management from Yale.In this episode you will learn the following: What Leopard is and how it helps optimize revenue opportunities for life and annuity distributors. Michael shares his career journey, highlighting his various educational and professional experiences, including his time at PolicyGenius, where he was involved in B2B offerings and strategy. He discusses how these experiences led to the founding of Leopard.Inefficiencies in the insurance industry, particularly in managing existing policies and identifying client opportunities. Leopard seeks to address these issues by using AI to streamline data organization, policy management, and client engagement, offering a more efficient process for advisors.The broader implications of AI in the financial industry, emphasizing its potential to improve efficiency and free up advisors' time for higher-value activities. Michael outlines his vision for Leopard's future, aiming to create a comprehensive data and automation ecosystem that benefits all stakeholders in the life and annuities distribution process.Connect with Scott on LinkedInConnect with Michael on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Leopard click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott was joined in studio by Katelyn Kucharo, Founder & CEO of The Admin Effect. They discuss how The Admin Effect optimizes financial advisors and insurance professionals' practices. Katelyn Kucharo is the founder of The Admin Effect™, a company dedicated to empowering operations professionals in the financial services industry. With a background in competitive gymnastics and coaching, Katelyn's passion for uplifting others has been a driving force throughout her career. She began her professional journey working for a large insurance marketing organization, where she gained extensive experience in various roles, including contracting and licensing, new business case management, and sales. May 23, 2020, changed Katelyn's life forever. Her best friend since birth, Sara, passed away at the age of 30 from cancer. Sara's passing gave Katelyn the courage to leave the corporate world to launch The Admin Effect™. Katelyn's desire to provide operational support to top financial advisors, her deep industry knowledge, and dedication to empower others, created the foundation for her company. Katelyn resides on beautiful Lake Norman in Cornelius, NC, and enjoys boating, traveling, wine, and fine dining.In this episode you will learn the following: The Admin Effect began by offering virtual administrative services to advisors and quickly expanded through word of mouth, highlighting a demand for outsourced operational support in the financial sector.The company offers training and process improvement to advisors' teams, emphasizing the importance of understanding complex applications and improving efficiency within advisor offices.Kaitlyn shares personal motivations for founding The Admin Effect, driven by a desire to create positive work environments and help advisors optimize their operations.The Admin Effect is expanding its services to consult with insurance carriers, aiming to connect industry dots and improve processes from an advisor's perspective.Connect with Scott on LinkedInConnect with Katelyn on LinkedInFor more on The Optimized Advisor Podcast click here  For more on The Admin Effect click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott was joined by Dr. Naomi Win virtually for a discussion on behavioral finance and how psychology plays into financial decision making. Dr. Win draws on clinical practice and current research to clarify the psychological factors that shape decision-making. By mapping the cognitive and emotional drivers that define financial behaviors, she upskills those seeking adaptive strategies to enhance well-being and wealth.In this episode you will learn the following:1. The importance of understanding clients' emotional responses to financial matters.2. The role of ego in financial advising.3. Intolerance of Uncertainty4. Ways for advisors to enhance their empathy and communication skills. Connect with Scott on LinkedInConnect with Naomi on LinkedInFor more on The Optimized Advisor Podcast click here  Follow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott was joined by Brad Shepard for a virtual episode about Long-Term Care. Fall and the Holidays will be here before you know it and November is LTC Awareness Month.For the past 24 years, Brad has enjoyed an area of focus in selling, training and marketing Long-Term Care and Linked Benefit solutions. His current role, Regional Sales Director, with OneAmerica is to help distribution partners, advisors and agents develop and grow their Long-Term Care Planning business through extensive business planning, marketing, training and support. He has also been a speaker, on the topic of Long-Term Care Planning, at hundreds of educational seminars, workshops and webinars across the country.Brad is a Pennsylvania native and a graduate of the University of Pittsburgh. He resides in New Bloomfield, PA with his wife, Denise, son Logan, and daughter Linsay.In this episode you will learn the following:LTC Awareness: November is LTC Awareness Month, not to be confused with Long-Term Care Insurance Awareness Month. The focus is on planning and awareness of long-term care needs, especially relevant during family gatherings in the holiday season.Pension Protection Act (PPA): The PPA, effective since January 1, 2010, allows for the tax-free distribution of gains from non-qualified annuities if used for long-term care expenses. Despite its benefits, it remains relatively unknown among financial professionals.Tax Benefits and Plan Design: The PPA allows for tax-deferred gains within non-qualified annuities to be used tax-free for LTC. This involves a 1035 exchange to a PPA compliant annuity, potentially doubling or tripling the annuity value for LTC benefits, providing significant financial leverage.Client Examples and Practical Applications: The discussion includes real-life examples and practical advice for advisors on how to leverage non-qualified annuities for LTC planning, emphasizing the importance of educating clients about these tax advantages.Connect with Scott on LinkedInConnect with Brad on LinkedInFor more on The Optimized Advisor Podcast click here  To learn more about One America products click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott Heinila welcomed Jason Labrum back to the studio for a discussion on Intelligence Driven Advisers (IDA) holistic and integrated approach to financial planning, which includes in-house CPAs for tax planning, the complexities of annuities, and they share their personal philosophies and lifestyle choices that contribute to a fulfilling life.Jason has been helping individuals, families, and businesses with comprehensive financial planning, portfolio management, and business retirement plans since 1998. Jason founded Intelligence Driven Advisers (IDA), in 2009 after spending 12 years with two major Wall Street brokerage firms. Jason has been active in his community serving on the Board of Directors at the Boys & Girls Clubs of Carlsbad and Daybreak Community Church. In 2015 he launched Financial Detox®, a consumer advocacy brand with the mission of delivering transparent and simple financial education to the masses. Jason is the author of Financial Detox® published in 2018 as well as a radio show and podcast which can be accessed on any podcast medium. Jason has contributed to the following publications; Fox Business, CNBC, Forbes, Newsmax Finance, and Investor's Business Daily. When not pursuing his professional endeavors, Jason spends time with his family and enjoys everything active and outdoors.In this episode you will learn the following: IDA's philosophy on financial planningNavigating Annuities: Skepticism, Benefits, Rates, RenewalsThe importance of Financial Advisors to prioritize the client's best interests.Jason & Scott's thoughts on well-being, time optimization, balancing work and life, quality relationships and more. Connect with Scott on LinkedInConnect with Jason on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Intelligence Driven Advisers click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott invited David Buck to join the virtual studio for the latest episode to discuss David's philosophy on time management, emphasizing the proactive nature of "time optimization" over the reactive concept of "time management."In 35+ years of business development, David developed a strong awareness of what it took for people to be productive and efficient, not just busy. He also personally sought to gain a balance of having a successful career along with the ability to pursue a meaningful personal life.That led David to start Kairos Management Solutions, and then the Infinity Lifestyle Design program, focusing all his attention to guide business professionals who struggle with a lack of flexibility in their life to gain more quality personal time. Dave helps his clients craft a strategy around their current management of time, and then define a lifestyle of intention, ease, and joy.In April 2024, David will release his first book called, The Time Optimized Life. The book reframes the reactive nature of time management and replaces it with a proactive method of time optimization.In this episode you will learn the following: David Buck's BackgroundTime Management PhilosophyClient and Advisor WorkPractical Tools and Book Buck's book, "The Time Optimized Life,"Connect with Scott on LinkedInConnect with David Buck on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Infinity Lifestyle Design click hereOrder The Time-Optimized Life click hereDownload and work through the Life Purpose Statement click hereDownload the first chapter of The Time-Optimized Life click here Follow us on LinkedInFollow us on InstagramFollow us on Facebook   **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed Jay Rosencrance, RICP, WMCPin studio for a discussion on annuities and the history of Athene. Jay is the VP/Relationship Manager at Athene. Jay the VP/Relationship Manager for Athene covering accounts across the country. He has spent bulk of his 32 year career involved in retirement income planning. Prior to Athene, he worked at Genworth Financial as VP, Sports and Entertainment, where he worked on post career income planning for professional athletes. Before that, he was a Master Black Belt at GE Transportation Systems. He finds that wherever he has worked, he bring three key strengths to the table: strong interpersonal skills (team player), detail oriented with strong analytical and problem solving skills, and the ability to succeed through a strong work ethic. When not working, he loves to spend time with his wife of 32 years (Amy), and their 2 children (Sean - 25, and Erin - 22). He also enjoy running, and has completed 10 marathons.In the episode, you will learn the following:The Athene story – Innovative products, distribution channelsAthene's technological advancements, such as e-applications and index strategy presets, which streamline processes and benefit consumers.Planning strategies like partial Roth conversions, emphasizing tax benefits and the mechanics of recharacterizing traditional IRAs into Roth IRAs within Athene products.Athene Connect is a valuable resource for advisors, offering tools, webinars, and sales kits to enhance their practice and better serve clients.Connect with Scott on LinkedInConnect Jay with on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Athene click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook  Disclosures:Guarantees provided by annuities are subject to the financial strength and claims paying ability of the issuing insurance company.Any information regarding taxation contained herein is based on our understanding of current tax law, which is subject to changeand differing interpretations. This information should not be relied on as tax, legal or financial advice and cannot be used by any taxpayer for the purposes of avoiding penalties under the Internal Revenue Code. We recommend that taxpayers consult with their tax or legal professionals for applicability to their personal circumstances. Under current tax law, the Internal Revenue Code already provides tax deferral to qualified money, so there is no additional tax benefit obtained by funding a qualified contract, such as an IRA, with an annuity; consider the other benefits provided by an annuity, such as lifetime income and a Death Benefit.Required Minimum Distribution as defined by Internal Revenue Code Section 401(a)(9). A diversified allocation does not ensure positive interest credits in any given year.  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed Brian Ott to the studio along with Nick Bernatowicz to discuss the importance and intricacies of long-term care (LTC) planning. Brian Ott, RICP, CLTC, is founder and president of 525 Advisors LLC, an independent insurance agency that specializes in asset-based long-term care insurance planning. He is also the host of Long-Term Care Radio which is aired in multiple markets and produced as a weekly podcast. Brian has been recognized nationally as a top producer and continues to build his practice through marketing focused on education.In this episode you'll learn the following: Specialization in Financial Services: The conversation highlights the value of specialization in financial advising, comparing the resurgence of specialized shops like butchers and cheese stores to the need for specialized financial services.Challenges with Long-term Care Insurance (LTCI): LTCI is often avoided due to its complexity and the reluctance of advisors to have personal, emotionally charged conversations. The history and evolution of LTCI from the 1970s to now were discussed.Affluent Clients & LTCI: The discussion explores why affluent clients, often overlooked for LTCI, actually benefit from it due to leverage, tax savings, and efficient asset management. The concept of "asset-based" LTCI is emphasized as a better self-insurance method.Education and Awareness: Brian Ott stresses the importance of educating both advisors and clients about LTCI, noting that personal experiences with long-term care often drive interest and understanding of its value. Connect with Scott on LinkedInConnect with Brian on LinkedInConnect with Nick on LinkedInFor more on The Optimized Advisor Podcast click here  For more on 525 Advisors click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

In this episode, Scott welcomed Paul Garofoli to the studio to discuss annuities. Paul Garofoli, Annuity Regional Sales Director for the Standard, has a 40-year career touching upon all aspects of our industry, especially independent distribution. Nicknamed the “Annuity King,” his enthusiasm is legendary. A nationally recognized speaker, Paul is known for his entertaining presentations.Most recently, Paul was the recipient of the NAILBA ID 20 Award, honoring a diverse group of insurance professionals who are the most fascinating trailblazers, change-makers or architects shaping the future of independent distribution.Annuity Market Dynamics: Paul highlights the recent surge in the annuity market due to rising interest rates and increased acceptance of annuities as a valuable asset class by various financial institutions and the general public.The Standard's Offerings: The Standard provides diversified financial products including group insurance, disability insurance, retirement plans, and annuities. Notably, they offer annuities up to age 93 and are Medicaid-friendly with unique features for elder care.Enhanced Choice Index Plus: This new product suite includes multiple S&P 500-based indices and a proprietary index, offering competitive rates and a unique death benefit rider (Legacy Max) that compounds at 6%, providing substantial legacy benefits.Consumer-Centric Features: The Standard's annuities come with consumer-friendly options like full account value upon death, spousal continuation benefits, and options for beneficiaries to manage the death benefit in a tax-efficient manner.Connect with Scott on LinkedInConnect with Paul on LinkedInFor more on The Optimized Advisor Podcast click here  For more on The Standard click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Part 2 with Lara Galloway: In this episode Scott was joined by Lara Galloway virtually to discuss building trust and emotional connection in the seminar marketing world.  At the time of recording, Lara was the SVP of Channel Management at White Glove, where she leveraged her expertise in Business Development, Marketing, Product and Sales to build enterprise partnerships that offer financial advisors lead-generating workshops and nurturing programs to keep them in front of their clients and prospects. Now, Lara is the Chief Marketing Officer at Goldstone Financial Group.Her entrepreneurial background and 12-year tenure running her own coaching firm, where she provided advice and consulting to small business owners, make her a valuable coach to White Glove's employees and clients. In her free time, Lara enjoys baking, craft beer, hiking with her husband and kids and spending time with her dog, Tuck. In this episode you will learn the following:The significance of connecting with clients on an emotional level, understanding their needs, and building trust through education and rapport.Best practices for both physical and digital workshops, highlighting the value of engaging the audience, asking questions, and using polls to foster interaction.The upcoming wealth transfer from boomers to Gen X and women, emphasizing the need for advisors to adapt their approach to connect with these demographics.The role of ongoing communication, such as drip campaigns and social media content, in nurturing client relationships and staying top of mind.Connect with Scott on LinkedInConnect with Lara on LinkedInFor more on The Optimized Advisor Podcast click here  For more about White Glove click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

In this episode Scott was joined by Lara Galloway, virtually, to discuss seminar marketing and estate planning. At the time of recording, Lara was the SVP of Channel Management at White Glove, where she leverages her expertise in Business Development, Marketing, Product and Sales to build enterprise partnerships that offer financial advisors lead-generating workshops and nurturing programs to keep them in front of their clients and prospects. Since the recording, Lara changed jobs and is now the Chief Marketing Officer at Goldstone Financial Group.Lara's entrepreneurial background and 12-year tenure running her own coaching firm, where she provided advice and consulting to small business owners, make her a valuable coach to White Glove's employees and clients. In her free time, Lara enjoys baking, craft beer, hiking with her husband and kids and spending time with her dog, Tuck.In this episode you will learn the following:The importance of humanizing marketing efforts, whether in-person or virtual, and provide tips for success in both formats.Success metrics for seminar marketing are discussed, emphasizing the need for realistic expectations and continuous improvement.The scalability of workshops through automation and the importance of effective follow-up to convert leads.Dive Into White Glove's resources, such as coaching, webinars, and the Fast Podcast, to enhance seminar marketing strategies and grow one's business effectively. Connect with Scott on LinkedInConnect with Lara on LinkedInFor more on The Optimized Advisor Podcast click here  For more about White Glove click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Scott welcomed back Anthony Nizzi to the podcast studio to discuss behavioral finance.The conversation delved into various biases that can impact decision-making in financial planning and highlighted the importance of understanding these biases to better serve our clients.In this episode you will learn the following:Biases such as anchor bias, ambiguity aversion, myopic loss aversion, and herding bias, and explain how these biases influence decision-making in investments.Anthony shares examples and stories to illustrate these biases, emphasizing the importance of working with a financial advisor to make rational decisions based on long-term goals.He recommends "The Behavioral Investor" book and highlights his accreditation as a behavioral finance professional from the College for Financial Planning.Anthony provides his contact information for further inquiries and encourages listeners to subscribe, like, share, and leave feedback on the podcast.Anthony is responsible for developing and executing sales strategies with Guaranty's key partners as well as crafting simplified sales concepts for our financial representatives. In 2022 Anthony earned his Accredited Behavioral Finance Professional Designation from the College for Financial Planning. This unique program is devoted to understanding the nature and role psychological biases and emotions play in the decision-making process in an uncertain environment. Through this program Anthony has learned how to help financial advisors recognize these behaviors in themselves and their clients and provide solutions to mitigate client financial behaviors. Anthony earned his bachelor's degree in Business Administration from AIB College of Business, holds FINRA Series 6, 63, and 26 licenses as well as Iowa Life & Health Insurance Licenses.Connect with Scott on LinkedInConnect with Anthony  on LinkedInFor more on The Optimized Advisor Podcast click here  Follow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Podcast collaboration episode with The Zandbergen Report:Host Bart Zandbergen was joined in the podcast studio by Scott Heinila to discuss the art and power of discipline. The duo discussed how discipline plays a factor in their personal and professional lives as they navigate business, relationships, family matters, fitness and beyond. They began by unpacking people's willingness to, “Do what others won't do, to be or have what others won't have,” and how a powerful motivating factor plays into the matter. Whether you are looking to rewrite your story, or design the chapter of your life called 2024, this episode will inspire you to take action to achieve the goals you plan to set for yourself by channeling discipline.In this episode you will learn the following: How consistency and persistency support discipline.Why your motivating factor has to be strong enough to carry your through plateaus.How to avoid getting lost in a cycle called “the case of the Mondays.”Why nutrition and fitness go hand in hand and one without the other works against your fitness goals.How to prioritize effectively to create sustainable routines and processes.What smart steps are to devote yourself to the big picture so you can work progressively towards your goals.Connect with Scott on LinkedInConnect with  Bart on LinkedInFor more on The Optimized Advisor Podcast click here  For more on the Zandbergen Group click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Scott was joined in the virtual podcast studio by Dwight Eberts, founder of Coaching 122, to discuss how small business owners and executives gain clarity, confidence, and control over their decisions to live a more fulfilling life.Dwight Eberts is a dynamic and passionate speaker on the power of transformation. Following a successful 20-year career in business as a partner of a large insurance marketing organization, Dwight founded Coaching 122, where he now leverages his insights to help business owners and leaders juggle both the personal and professional demands they face every day.His mission is to empower others to develop themselves to better serve their loved ones, teammates, and clients. His commitment to helping individuals thrive both personally and professionally has become the cornerstone of his career. Dwight is passionate and focused to making a lasting impact in the lives of those he speaks to and coaches. In this episode you will learn the following:The concept of freedom of time and the importance of making the right choices in how time is spent.The discussion emphasizes the need for clarity around priorities and making better decisions to optimize time and achieve a more fulfilling life.The value of coaching, the significance of accountability in achieving goals, and the benefits of working on personal and professional development.Connect with Scott on LinkedInConnect with Dwight on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Coaching 122 click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Scott welcomed Anthony Nizzi in the studio for a little shop talk. Anthony Nizzi is the Director of Sales Development at Guaranty Income Life Insurance Company. They dive into the simplicity, transparency, and varying options within Guarantee Income Life's product suite, catering to different client needs and ages. Anthony is responsible for developing and executing sales strategies with Guaranty's key partners as well as crafting simplified sales concepts for our financial representatives. In 2022 Anthony earned his Accredited Behavioral Finance Professional Designation from the College for Financial Planning. This unique program is devoted to understanding the nature and role psychological biases and emotions play in the decision-making process in an uncertain environment. Through this program Anthony has learned how to help financial advisors recognize these behaviors in themselves and their clients and provide solutions to mitigate client financial behaviors. Anthony earned his bachelor's degree in Business Administration from AIB College of Business, holds FINRA Series 6, 63, and 26 licenses as well as Iowa Life & Health Insurance Licenses. In this episode you will learn the following: S&P 500 Fixed Index Annuity (FIA)Wealth Choice Series by Guarantee Income LifeGuaranteed Rate Lock AnnuityConnect with Scott on LinkedInConnect with Anthony on LinkedInFor more on The Optimized Advisor Podcast click here  For more on GILICO click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook  **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Scott welcomed Brad Shepard back to the Optimized Advisor studio for a third time to discuss the emphasis on creating an emotional connection, engaging in meaningful conversations, utilizing probing questions to explore clients' thoughts, and initiating discussions on long-term care planning to address clients' concerns effectively.For the past 24 years, Brad has enjoyed an area of focus in selling, training and marketing Long-Term Care and Linked Benefit solutions. His current role, Regional Sales Director, with OneAmerica is to help distribution partners, advisors and agents develop and grow their Long Term Care Planning business through extensive business planning, marketing, training and support. He has also been a speaker, on the topic of Long-Term Care Planning, at hundreds of educational seminars, workshops and webinars across the country.Brad is a Pennsylvania native and a graduate of the University of Pittsburgh. He resides in New Bloomfield, PA with his wife, Denise, son Logan, and daughter Linsay.In this episode you will learn the following: How to effectively ask open-ended questions as an Advisor discussing long-term care planning solutions with clientsAvoid discussing numbers and financial aspects of long-term careHow to optimize client relations and personal experience to create an open dialogue for long-term care planningListen to our previous episode with Brad:Ep. 2 - The Single Largest Unfunded Risk Facing RetireesEp. 75 - Home for the Holidays, LTC Awareness with Brad Shepard and Brian OttConnect with Scott on LinkedInConnect with Brad on LinkedInFor more on The Optimized Advisor Podcast click here  Follow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was invited as a guest to be on The Zandbergen Report's 6th annual Holiday Wine Pairing Podcast episode with host, Bart Zandbergen. Host Bart Zandbergen was joined in the podcast studio by co-host Letitia Berbaum, Paula Steurer of Sterling Public Relations, Scott Heinila of Producers Choice Network, and featured guest Landon Patterson, CEO of Hundred Acre. Landon shared tasting insights, pairing notes and little-known facts about the distinctive wines he chose to feature on the episode, while the show's guests also reviewed several wines from Copper Cane. Special thanks to Devon Ulrich, National Account Vice President, of Copper Cane Wines & Provisions for supporting this year's podcast episode alongside Hundred Acre. Happy Holidays!Featured wines in the 2023 edition of the Annual Holiday Wine Podcast include:Senza Freni by Paul Lato 2021 Tocai FriulanoNapa Valley Quilt 2021 Fumé BlancBelle Glos Oeil de Perdrix Pinot Noir BlancSummer Dreams Twilight Pinot Noir 2021Belle Glos Pinot Noir Las AlturasLa Vieux Donjon Chateauneuf Du PapeNapa Valley Quilt Cabernet SauvignonConnect with Scott on LinkedInConnect with Bart on LinkedInConnect with Landon on LinkedInConnect with Paula on LinkedInConnect with Tish on LinkedInFor more on The Optimized Advisor Podcast click here  For more on The Zandbergen Report Podcast click hereFor more on The Zandbergen Group click hereFor more on Hundred Acre click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined in studio in Boston, courtesy of Bill Bonk, by today's guest Jason Cillo. Jason shared his journey, trials and tribulations and how he defines success today. Jason Cillo is a holistic financial advisor and tax accountant from Milford, NH. He was born and raised in Milford and today owns two practices there, 21st Century Financial Group and Cillo Tax Services. Being a holistic financial advisor means his approach to financial/retirement planning for his clients' is about looking at every aspect of one's financial environment and then arranging those aspects to come together to create a personalized, tailored plan to achieve their goals and dreams. With over 15 years' experience in the financial and tax industries he believes Social Security strategy, pension planning, income planning, investment planning, long term care planning, tax strategy/planning and legacy planning are all interconnected pieces of the puzzle that create one's financial/retirement plans and how these puzzle pieces are arranged as a whole is what creates a holistic plan to meet his client's financial goals. One wrong move could negatively affect the rest of the pieces. Jason holds a Bachelor's of Science degree from the University of NH, a CRPC (Chartered Retirement Planning Counselor) designation from the College of Financial Planning, and is a published author of the co-authored book, 21st Century Retirement Rescue. As a fiduciary, Jason is always acting in the best interest of his clients at all times and finds great passion in helping people achieve their life -long goals and fulfill their retirement dreams.In this episode you will learn the following: How Jason battled cancer and how it helped change his outlook on lifeJason's journey in financial servicesJason's book, “21st Century Retirement Rescue”Roth ConversionsConnect with Scott on LinkedInConnect with Jason on LinkedInFor more on The Optimized Advisor Podcast click here  For more on 21st Century Financial Group click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was a guest on The Zandbergen Report Podcast with CFP, Bart Zandbergen to discuss long-Term Care benefits, considerations, and possible changes. California is considering a statewide Long-Term Care Insurance program that is also known as AB 567. If passed, this bill would require residents to pay an increased income tax of 0.40% to 0.60% to cover the cost of state-funded long-term care program. In this episode, the duo discusses the importance of being informed so that each person and their families can make the right choices for their individual needs related to their long-term care options.In this episode you will learn the following: What Long-Term Care is, what it consists of, and what various types are availablePossible changes coming with the proposed Long-Term Care Assembly BillWhat tax implications should be consideredWhat the state mandates would mean for California residentsConnect with Scott on LinkedInConnect with Bart on LinkedInFor more on The Optimized Advisor Podcast click here  Follow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined in studio by Dr. Morgan Cutlip and Bart Zandbergen for a collaborative episode. Both Dr. Morgan Cutlip and Bart Zandbergen have been guests on the Optimized Advisor Podcast multiple times. Dr. Morgan Cutlip, PhD in Psychology and highly sought after relationship expert, knows what it feels like to lose yourself in motherhood, and she's determined to help mothers navigate it better. Throughout her career, she has helped hundreds of thousands of people worldwide learn how to form and maintain healthy relationships. Dr. Morgan has been a featured relationship expert with Good Morning America, Teen Vogue, The New York Times, Women's Health Magazine, MOPS International, Loveology, and Flo, the #1 app in health and fitness. Her new book, Love Your Kids Without Losing Yourself, is available now!In this episode you will learn the following: Dr. Morgan's book writing journeyTangible tools to take care of yourself emotionallyHow to overcome burnout and optimize your relationship with your partner for a better family dynamicListen to our previous episodes with Dr. Morgan Cutlip:Ep. 048 - Being Intentional With Your Relationships Part II with Dr. Morgan CutlipEp. 008 - Being Intentional With Your Relationships with Dr. Morgan CutlipConnect with Scott on LinkedInConnect with Morgan on LinkedInConnect with Bart on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Dr. Morgan and to purchase her book click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

On this week's episode Scott was joined virtually by Todd Kelly & Andy Hickman, Co-Founders of Cumulus College Quest, the college planning partners for Financial Professionals. About our guests...Todd M. Kelly is known nationwide as a leading authority in the area of college planning. In addition, Todd co-wrote and developed a curriculum for and trained thousands of financial professionals on how properly assist their clients through the complex maze that is college planning.  He has also co-created numerous programs and owns several college planning companies designed to assist both families and advisors.  Along with his business partner, Andy Hickman, Todd has also co-written The College Planning Parachute, an Insider's Guide to developing an effective college selection and college funding plan.  Steeped in College Planning for more than 20 years, Andy Hickman is a licensed advisor with a practice that grew almost exclusively as a result of his college planning expertise.   Andy co-authored (with his business partner, Todd Kelly) “The College Planning Parachute” (available on Amazon), co-created more than 1000 hours of college planning specific advisor training and has given hundreds of presentations to schools, organizations, and corporations on the topic of college planning.  He's also been quoted or has been a guest on numerous radio programs, newspapers, and magazines on various aspects of college. In this episode you will learn the following:College Planning optimization as a Financial ProfessionalThe different types of financing for collegeHow to request more scholarship opportunities from universitiesVarious investment strategies to help client's save for their children's future college tuitionConnect with Scott on LinkedInConnect with Todd on LinkedInConnect with Andy on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Cumulus College Quest click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

On this week's episode Scott was joined by Ryan George, CMO of Docupace; the leading cloud-based fintech platform that simplifies how financial services and wealth management firms process and digitize data. Ryan has 15+ years of marketing and communications experience in the financial services industry. Before joining Docupace, he served as the Assistant VP, Marketing and Communications at 1st Global, a software solutions provider for CPA firms, where he spearheaded lead gen efforts and contributed to double-digit revenue growth. He has also held marketing leadership positions at specialized asset managers – GuideStone Capital Management, based in Dallas, and U.S. Global Investors in San Antonio.In addition to being a finalist for the WealthManagement.com broker-dealer Chief Marketing Officer of the Year award in 2019, Ryan was also a finalist for the 2022 ThinkAdvisor LUMINARIES.He is a former chair of the Financial Services Institute Marketing Growth and Development Council, composed of top-level sales, marketing, and business development executives from across the industry and a member of the Forbes Communications Council, an invitation-only, fee-based organization of senior-level communications and public relations executives. In this episode you will learn the following: All about Docupace and how it helps advisors optimize their practiceFintech/wealth management tech trends: What's worth paying attention to, and what isn'tHow AI comes into play to analyze dataThe back-office revolution in wealth management: Why enhancing how the work is done is improving the client experienceUnlocking growth: The future of financial advice and how technology will change the financial services industry in the coming yearsConnect with Scott on LinkedInConnect with  Ryan on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Docupace click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook

Scott invited Judy Hoberman in the studio for a discussion about her journey, her books, and her mission of helping women succeed. Judy Hoberman is President of Judy Hoberman and Associates, a company focused on empowering professional women. She is an international speaker, trainer, executive coach, author, radio show host and mentor. Her 30 years in business has given her both knowledge and a sense of humor about how men and women lead, sell, manage and recruit differently.  She will enlighten you and help you learn how both genders can support each other's successes in a more productive way. Her experience in sales and leadership has helped her clients realize the importance of building relationships, standing out and being the authority in their market.Judy also works with companies supporting their diversity and women's initiatives in the areas of sales, leadership, recruiting, training, coaching, mentoring and retention. In her role as an executive coach and trainer, she is often described as “transformational.” Judy is the host of “Selling in a Skirt with Judy Hoberman” podcast and has been “The Gender Expert” on Fox News Radio. She has appeared on CNN Headlines, ABC, CBS, CW33 and Good Morning Texas, contributes articles to multiple publications and journals, and appeared on the cover of Exceptional People Magazine.In this episode you will learn the following: How Judy navigated working in a male-dominated industry and succeeded at itThe two books she authored, Selling In A Skirt and Walking On The Glass FloorHaving passion for what you do and how to manifest and create the feature you wantLeadership and communication and how they go hand in hand Her mission: To help one woman a day by following an important philosophy- “Women want to be treated equally, not identically ®”Connect with Scott on LinkedInConnect with Judy on LinkedInFor more on The Optimized Advisor Podcast click here  For all things Judy Hoberman and to purchase her books click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

On this week's episode, Scott was joined by Robert Kirk for a discussion on data. Robert is a seasoned financial industry expert with over 30 years of experience, serves as the Founder and CEO of InterGen Data, Inc., a company revolutionizing the banking, financial services, insurance, and home healthcare industries through the adoption of its proprietary and patent-pending Life Stage/Life Event prediction and analysis data.  With an impressive track record in leadership roles such as Chief Information Officer at 1st Global Research & Consulting and Principal Consultant at Mphasis (a Blackstone Company), Rob has consistently demonstrated his ability to drive innovation, streamline operations, and foster strategic partnerships. As a visionary with a strong background in technology, data, and wealth management, Rob has led transformative initiatives at companies like Penson Financial Services and Southwest Securities, Inc. His extensive experience and proven expertise in wealth management, financial services, and clearance and settlement make him the driving force behind InterGen Data's disruption of the financial industry.In this episode you will learn the following: How and why Robert started InterGen DataHow to utilize data in financial and insurance planningThe explosion of AI and how it helps to analyze data to determine what's relevantHow insurance companies are utilizing data for client policy predictions How do you help clients effectively plan for their finances, healthcare, or insurance needs? By showing them the future.Connect with Scott on LinkedInConnect with  Robert on LinkedInFor more on The Optimized Advisor Podcast click here  For more on InterGen Data click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

On this week's episode, Scott welcomed back Andrew Martz to the studio. As a New York native with offices located in Los Angeles, Denver, and Dallas, Andrew's client base spans the country. His client roster ranges from busy executives, entrepreneurs, and professionals in the sports and entertainment industries. Andrew is the co-host of the “Dollars & Sensibilities” podcast show where he shares his expertise with listeners around the numbers, concepts, and behaviors that can shape a person's financial life. In this episode you will learn the following: How Andrew co-wrote a book, More Than Money with a group of like-minded Financial AdvisorsSocial Media FinFluencers and why their advice may not be the best strategy The future of the financial advisor industryAndrew's business optimization strategiesListen to our previous episode with Andrew: Ep. 22 - Learn from An Optimized Advisor: Andrew Martz, WIS Advisors Connect with Scott on LinkedInConnect with  Andrew on LinkedInFor more on The Optimized Advisor Podcast click here  For more on WIS Advisors click herePurchase More Than Money hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

On this week's episode, Scott was joined in the virtual studio by Larry Sprung, Founder and Wealth Advisor of Mitlin Financial. In addition, Larry is the author of Financial Planning Made Personal and Host of the Mitlin Money Mindset Podcast. Larry founded Mitlin Financial, Inc., in 2004 with a focus on prioritizing the families we serve. The Mitlin team consistently helps those families make healthy financial decisions and offer a tremendous experience that leverages personalized service with today's top tools and technology.In this episode you will learn the following: Larry's background – his how and why for starting Mitlin FinancialThe importance of having Core Values to optimize your business and lifeHow Larry wrote his book, Financial Planning Made Personal and his podcast, the Mitlin Money Mindset are resources for his clientsLarry shares a personal story on mental health and how is an advocate for mental health optimizationConnect with Scott on LinkedInConnect with Larry on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Mitlin Financial click hereFor more on the Mitlin Money Mindset™ click hereTo purchase and learn more about Financial Planning Made Personal click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott welcomed Annie Dietrich of AC Social Designs back in studio to discuss the latest social media trends and AI. Annie is the Founder of AC Social Designs, a social media marketing and content strategy firm empowering businesses and creators with killer social strategies and captivating content.In this episode you will learn the following: How to optimize your social media strategy utilizing AI toolsThe latest trends in the social media industry including Instagram Reels, Engagement through DMs, and LinkedIn strategiesHow the new Meta verification blue check mark worksThe different AI platforms such as Chat GPT and Jasper, and how to incorporate them while keeping your voice and authenticityListen to our previous episodes with Annie:Ep. 71 - Optimization Strategies to help Advisors Reach Social Media Success with Annie Dietrich, AC Social DesignsEp. 60 - How to Grow and Optimize Your Social Media with Annie Dietrich, AC Social Designs Connect with Scott on LinkedInConnect with  Annie on LinkedInFollow AC Social Designs on InstagramFor more on The Optimized Advisor Podcast click here  Follow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott welcomed Retirement Expert, Economist, Best Selling Author, Public TV host and International Speaker Tom Hegna virtually in studio to have a discussion on financial planning in the current economy, the importance of using the right tools at the right time, and practicing what he preaches when it comes to his own retirement.Tom Hegna is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature "Paychecks and Playchecks" retirement approach, helping Baby Boomers and seniors retire the "optimal" way. He has condensed a large chunk of his considerable knowledge into 5 books.As a financial professional, after learning from this value packed episode you will walk away with a greater understanding of how wealth preservation strategies can deepen client relationships and grow your business better moving into the future.Connect with Scott on LinkedInConnect with Tom on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Tom Hegna click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined in studio by Paul Garofoli, Annuity Regional Sales Director for the Standard to talk about the Annuity Industry. Paul has a 40-year career touching upon all aspects of our industry, especially independent distribution. Nicknamed the “Annuity King,” his enthusiasm is legendary. A nationally recognized speaker, Paul is known for his entertaining presentations.Most recently, Paul was the recipient of the NAILBA ID 20 Award, honoring a diverse group of insurance professionals who are the most fascinating trailblazers, change-makers or architects shaping the future of independent distribution.In this episode you will learn the following: Fundamentals of sales – door knocking, consistency, successThe current Annuity Market – short term duration product optionsWhere the industry is headingHow Insurance company representatives are an asset to your teamConnect with Scott on LinkedInConnect with Paul on LinkedInFor more on The Optimized Advisor Podcast click here  For more on The Standard click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined in studio by Sean Turner, CEO and Founder of Buffer Insurance. Buffer Insurance is an insurance company offering insurance solutions for employers and seniors. Sean Turner founded Buffer Insurance with the vision that the most meaningful impact we make is in the lives of others. Protecting others and ensuring their future impact is his highest priority at Buffer. Sean educates business owners and human resource professionals on ways to protect their vision and assists seniors transitioning to Medicare by finding coverages that will protect their future. Buffer Insurance is a veteran-led and veteran-owned independent insurance agency. This is made possible through the values and leadership instilled in Sean during his time serving as an infantryman and squad leader in the US Army.In this episode you will learn the following:How Sean started Buffer InsuranceHow Buffer Insurance went viral when Roe v. Wade was overturnedOutsourcing work to people in other countries to scale and grow profitsOptimizing your business through your core values, vision, and going back to the whyConnect with Scott on LinkedInConnect with Sean on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Buffer Insurance click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined virtually by Diana Cabrices to discuss the wealthtech industry, content marketing, and what it means to be a Chief Evangelist.Diana Cabrices is the founder of Diana Cabrices Consulting, a growth consulting firm dedicated to energizing dead demand channels for B2B wealthtech brands as their Fractional Chief Evangelist. Often called a “product demo queen”, Diana has a knack for converting audiences into ambassadors, and won her first public speaking award at the age of 7. When she's not representing intelligent technology or engaging with financial advisors, she's usually planning her next trip (18+ countries and counting), convincing her friends and family to live more holistically, elevating women in the birth room as a doula, and spending time with her 15-year old Chiweenie, Guss. In this episode you will learn the following:Diana's background and how she started her own firm, Diana Cabrices ConsultingHow Advisors can optimize their business through a variety of waysContent Marketing and Artificial Intelligence Automation using Canva and Chat GPTConnect with Scott on LinkedInConnect with  Diana on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Diana Cabrices Consulting click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined virtually by Bart Zandbergen, for a collaborative episode with the Zandbergen Report Podcast. Bart is the CEO and Founder of The Zandbergen Group, a wealth management firm and he's the Host of The Zandbergen Report Podcast. In this episode Scott and Bart dive into a recap of 2022 and provide their take on the 2023 financial market and investments.In this episode you will learn:Some brainteaser questions where Bart tests Scott's knowledgeScott and Bart's recap of 2022 in terms of the market and investmentsScott and Bart's forecast for 2023, recession, and stock market trendsTheir advice and take on the current marketsConnect with Scott on LinkedInConnect with Bart on LinkedInFor more on The Optimized Advisor Podcast click here  For more on The Zandbergen Group click hereFor more on The Zandbergen Report Podcast click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined in studio by Cynthia Spigel, Owner and Consultant at Spigel Strategies & Solutions LLC to talk about growing and managing your team. Spigel Strategies & Solutions LLC is a coaching and consulting firm that has an emphasis on execution in institutionalizing your business, creating a distinctive client experience, and growing and managing your team. In this episode you will learn:Create a collaborative & loyal cultureDefine roles & future potential pathsDefine & implement a base & incentive compensation structureEmpower ownership & develop leadershipHow the 12-Week Year by Brian P. Morgan and Michael Lennington can help optimize your business and time managementConnect with Scott on LinkedInConnect Cynthia with on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Spigel Strategies & Solutions LLC click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined virtually by Dr. Ben Sorensen, Founder and President of Sorensen Consulting. Dr. Ben Sorensen provides leadership training, sales training, and executive coaching to corporate and non-profit organizations around the world and across a wide spectrum of industries. Ben trains thousands of senior executives annually. During the past 20 years, Ben has become best known for his rich mix of corporate experience, non-profit work, and teaching ability. Ben focuses on teaching practical, proven skills while customizing all material to the specific needs of each client. Ben is also an Intelligence Officer in the Navy Reserves and is a Pastor in his community.In this episode you will learn: All about Sorensen Consulting and the executive coaching and leadership development Behavioral Finance and how best to serve your clientsHow to optimize our time and micro compartmentalizing Mindset techniques, managing stress and some of Ben's Navy tacts Connect with Scott on LinkedInConnect with Ben on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Sorensen Consulting click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined virtually by Matt Halloran, Co-Founder and CRO at ProudMouth. ProudMouth is the solution toone of the biggest obstacles professionals and companies face: the ability to consistently produce authentic and valuable content to power their content marketing strategy. Matt has hosted and been on over 1,000 podcast episodes. He's also the host of ProudMouth podcast, the Top Advisor Marketing Podcast, where he shares marketing strategies tailored for advisors and connects with top industry leaders, and Be Your Own Loud, which features amazing people who've gained influence by being unapologetically themselves. In this episode you will learn: Matt's Five ROI's of PodcastingHow ProudMouth and the Pod Rocket Academy can help with marketing initiatives and launching a successful podcastHow Scott and Matt connect at the Riskalyze Conference with Females & FinanceAccelerate Your Influence by being an expert in your communityConnect with Scott on LinkedInConnect with Matt on LinkedInFor more on The Optimized Advisor Podcast click here  For more on ProudMouth click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined virtually by Conor Anderson, Partner and Head of Advisor Services. AdvisorAssist provides comprehensive turnkey solutions for both new and transitioning advisors as well as established registered investment advisor (RIA) firms. In this episode you will learn the following: Compliance industry updatesHow AdvisorAssist acts as the advisor's advisorHow to optimize and protect your businessMarket trend and auditsConnect with Scott on LinkedInConnect with Conor on LinkedInFor more on The Optimized Advisor Podcast click here  For more on AdvisorAssist click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined in studio by Andrew Costa, Partner at RX3 Growth Partners, to talk about their growth equity portfolio fund. Andrew is responsible for managing all aspects of the fund's investment process, including sourcing, diligence, investment committee and portfolio management. RX3 Growth Partners is a consumer growth equity firm that helps brands realize their full potential.In this episode you will learn the following:Andrew's background and role at RX3 Growth PartnersHow RX3 differs from other funds by finding their niche with brands utilizing influencer and celebrity marketingCurrent interest rate market and RX3 Growth Partners Fund 2Savvy consumer buying trends in a digital worldListen our previous episode with Nate Rabe, Co-Founder and Managing Partner at RX3 Growth Partners, Ep. 057 - Empowering Consumer Brands Through Authentic Relationships hereConnect with Scott on LinkedInConnect with Andrew on LinkedInFor more on The Optimized Advisor Podcast click here  For more on RX3 Growth Partners click hereEmail Andrew: andrew@rx3growthpartners.comFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

For the last episode of 2022, Scott was joined in the studio by Nick Bernatowicz and Ryan Dietrich, Founder, Fitness Trainer, and Biohacking Expert at Reaching Dreams LLC to discuss health optimization. In this episode you will learn the following:What is biohacking and how it can help you optimize your healthKick off your 2023 health and wellness resolutions with an easy-to-follow toolkitHow to utilize cold-therapy, heat-therapy, and meditation to help you handle stress in everyday lifeLearn how to join Ryan's Healthy in 30 Program to optimize your overall health and wellness routineConnect with Scott on LinkedInConnect with Nick on LinkedInConnect with Ryan on InstagramFor more on The Optimized Advisor Podcast click here  For more on Reaching Dreams LLC click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined in the studio by Nick Bernatowicz, Senior Sales Consultant at Producers Choice Network to discuss what you need to know to increase your Annuity sales in 2023.In this episode, you will learn the following:  How the Fed rates correlate to annuities and how to use that to increase sales.From the Field: The best annuity products on the market today!Insurance companies are growing and changing, and how that affects you, the producer.Listen to their previous annuity update episode here: Ep. 56 - Annuities: Ken Fisher “hates them”…. should you? hereConnect with Scott on LinkedInConnect with  Nick on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Producers Choice Network and the annuity products offered click here**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott Heinila was joined virtually by Brad Shepard, Regional Sales Director at One America and Brian Ott, Founder and CEO 525 Advisors to discuss Long-Term Care planning during LTC Awareness Month. In the episode they discussed the following:  LTC Planning and factsHow to prepare families when their loved ones need LTCBrad and Brian shared their personal stories dealing with LTCListen to their previous episodes here:  Episode 002: The Single Largest Unfunded Risk Facing RetireesEpisode  026: Learn FromAn Optimized Advisor: Brian Ott, 525 AdvisorsConnect with Scott on LinkedInConnect with  Brad on LinkedInConnect with Brian on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Producers Choice Network click hereFor more on One America click hereFor more on 525 Advisors click hereFor more on the iLTCI Conference click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.comEPISODE NOTES

Scott Heinila and Nick Bernatowicz virtually joined fellow podcast host and strategic partner, Bart Zandbergen in the podcast studio by co-host Letitia Berbaum, Paula Steurer of Sterling Public Relations for the 5th Annual Holiday Wine Pairing Podcast alongside studio engineer Danielle Ramchandani. This year's line-up of wines featured some that are well known, some that are hidden gems, and some that were being tried by the podcast crew for the very first time. Led by Bart's sommelier expertise, the cast discusses what pairings are best tailored with certain dishes alongside some unexpected pairings to consider. Cheers to the 2022 holiday season and blessings to all!The 2022 wine line-up includes: Veuve Cliquot RoseMulderbosch Chenin BlancJ Dusi Red ZinfandelRobert Bialis Black Chicken Red ZinfandelWilliam Selyam Pinot Noir Connect with Scott on LinkedInConnect with Bart on LinkedInConnect with Nick on LinkedInConnect with Tish on LinkedInConnect with Paula on LinkedIn For more on The Optimized Advisor Podcast click here  For more on The Zandbergen Group click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

Scott was joined virtually by Beth Moss, Regional Director of Producers Choice Network and Sheryl Hickerson, CEO and Founder of Females & Finance to discuss their attendance of the Riskalyze Fearless Investing Summit.They discussed an article title, How Men Can Become Better Allies to Women from the Harvard Business Review.Here are the top 3 takeaways from that article: How men are the biggest advocates of helping women advanced in the financial services industryHow the Females & Finance Fearless Pledge applies and what it means to the world of women in financeA few speakers that have inspired Scott, Beth, and SherylListen to their previous episode here: Episode 031: Females and Finance with Sheryl Hickerson and Beth MossWatch here: Females and Finance with Sheryl Hickerson and Beth MossConnect with Scott on LinkedInConnect with Sheryl on LinkedInConnect with Beth on LinkedInFor more on The Optimized Advisor Podcast click here  For more on Females and Finance and to get involved, click hereFor more on Producers Choice Network click hereFollow us on LinkedInFollow us on InstagramFollow us on Facebook**This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com