Ric Komarek, CFP

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This is Ric Komarek, CFP where we talk about taxes, investments, insurance, and retirement

Ric Komarek, CFP


    • Aug 29, 2022 LATEST EPISODE
    • infrequent NEW EPISODES
    • 2m AVG DURATION
    • 237 EPISODES


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    Latest episodes from Ric Komarek, CFP

    bidens-student-loan-fiasco

    Play Episode Listen Later Aug 29, 2022 3:38


    https://www.rickomarek.com/blog/bidens-student-loan-fiasco Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    A College Education Minus the Debt

    Play Episode Listen Later Aug 23, 2022 5:39


    https://www.rickomarek.com/blog/a-college-education-minus-the-debt Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    debt minus ric college education
    Distorted

    Play Episode Listen Later Aug 22, 2022 4:19


    https://www.rickomarek.com/blog/distorted --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    distorted
    ​How to follow through on New Year's resolutions

    Play Episode Listen Later Jan 18, 2022 4:12


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    new year talk resolutions ric
    It's Time to Get Serious About Tax Planning...

    Play Episode Listen Later Dec 21, 2021 16:07


    https://www.rickomarek.com/blog/its-time-to-get-serious-about-tax-planning Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    ric tax planning get serious
    Seven Deadly Estate Planning Mistakes to Avoid

    Play Episode Listen Later Nov 6, 2021 5:44


    https://www.rickomarek.com/blog/seven-deadly-estate-planning-mistakes-to-avoid Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    mistakes estate planning ric seven deadly
    October Update on the Current Economy and Markets

    Play Episode Listen Later Nov 4, 2021 3:43


    https://www.rickomarek.com/blog/october-update-on-the-current-economy-and-markets Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    current economy markets ric
    7 Ways to Stay on Track and Meet Your Retirement Goals & A Covid Recession and Recovery

    Play Episode Listen Later Aug 10, 2021 8:41


    http://www.rickomarek.com/blog/a-covid-recession-and-recovery http://www.rickomarek.com/blog/7-ways-to-stay-on-track-and-meet-your-retirement-goals Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    covid-19 goals recovery retirement recession ric stay on track
    Feeling Safe May Be Risky

    Play Episode Listen Later Aug 9, 2021 4:20


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk risky ric feeling safe
    Risk Drives Portfolio Return

    Play Episode Listen Later Aug 9, 2021 3:51


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    8 Ideas That Help you Manage a Financial Windfall

    Play Episode Listen Later Jul 9, 2021 5:12


    http://www.rickomarek.com/blog/8-ideas-that-help-you-manage-a-financial-windfall Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Weekly Economic and Financial Market Update for Week Ending 2021 06 25

    Play Episode Listen Later Jun 28, 2021 0:39


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Weekly Economic and Financial Market Update for Week Ending 2021 06 21

    Play Episode Listen Later Jun 21, 2021 0:51


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Weekly Economic and Financial Market Update for Week Ending 2021 06 11

    Play Episode Listen Later Jun 14, 2021 0:59


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Is it Time to Downsize Your Home?

    Play Episode Listen Later Jun 7, 2021 8:57


    http://www.rickomarek.com/blog/is-it-time-to-downsize-your-home Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Weekly Economic and Financial Market Update for Week Ending 2021 05 28

    Play Episode Listen Later Jun 2, 2021 1:08


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Weekly Economic and Financial Market Update for Week Ending 2021 05 14

    Play Episode Listen Later May 17, 2021 5:26


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2021 04 23

    Play Episode Listen Later Apr 26, 2021 1:00


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Avoiding 7 Retirement Traps

    Play Episode Listen Later Apr 15, 2021 5:43


    Talk to Ric... https://goo.gl/c3jdeO​ ↓↓↓↓↓↓↓↓continue reading below ↓↓↓↓↓↓↓↓ __________________________________________ http://www.rickomarek.com/blog/avoiding-7-retirement-traps Learn more at... http://www.RicKomarek.com​ Watch more videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC #RicKomarek --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk retirement traps ric
    Weekly Economic and Financial Market Update for Week Ending 2021 04 09

    Play Episode Listen Later Apr 14, 2021 0:30


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Covid—A Year Later

    Play Episode Listen Later Apr 9, 2021 4:20


    http://www.rickomarek.com/blog/covid-a-year-later Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    covid-19 ric year later
    Weekly Economic and Financial Market Update for Week Ending 2021 03 26

    Play Episode Listen Later Mar 29, 2021 0:36


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Weekly Economic and Financial Market Update for Week Ending 2020 03 19

    Play Episode Listen Later Mar 22, 2021 1:18


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2021 03 12

    Play Episode Listen Later Mar 15, 2021 1:10


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2021 03 05

    Play Episode Listen Later Mar 8, 2021 1:40


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2021 02 26

    Play Episode Listen Later Mar 1, 2021 1:20


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2021 02 19

    Play Episode Listen Later Feb 22, 2021 0:57


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 02-11-2021

    Play Episode Listen Later Feb 15, 2021 1:06


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2021 02 05

    Play Episode Listen Later Feb 8, 2021 0:40


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Internet Forums vs. the Professionals, or Revenge of the Nerds

    Play Episode Listen Later Feb 5, 2021 3:27


    http://www.rickomarek.com/blog/internet-forums-vs-the-professionals-or-revenge-of-the-nerds Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    Weekly Economic and Financial Market Update for Week Ending 2021 01 29

    Play Episode Listen Later Feb 1, 2021 1:11


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2021 01 22

    Play Episode Listen Later Jan 26, 2021 1:05


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    7 financial resolutions to get you started in 2021

    Play Episode Listen Later Jan 21, 2021 4:24


    http://www.rickomarek.com/blog/7-financial-resolutions Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    resolutions financial ric get you started
    Weekly Economic and Financial Market Update for Week Ending 2021 01 15

    Play Episode Listen Later Jan 19, 2021 1:26


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2021 01 08

    Play Episode Listen Later Jan 11, 2021 1:12


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 12 18

    Play Episode Listen Later Dec 21, 2020 1:47


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    8 Smart Planning Moves to Consider

    Play Episode Listen Later Dec 16, 2020 6:08


    http://www.rickomarek.com/blog/a-handy-checklist-for-year-end-planning-and-market-round-up Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    ric smart planning
    Weekly Economic and Financial Market Update for Week Ending 2020 12 11

    Play Episode Listen Later Dec 14, 2020 1:48


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 12 04

    Play Episode Listen Later Dec 8, 2020 2:03


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 11 27

    Play Episode Listen Later Nov 30, 2020 1:00


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 11 20

    Play Episode Listen Later Nov 23, 2020 1:40


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    6 Steps That Put You on the Path to a Successful Retirement

    Play Episode Listen Later Nov 18, 2020 6:31


    http://www.rickomarek.com/blog/6-steps-that-put-you-on-the-path-to-a-successful-retirement Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    ric successful retirement
    Weekly Economic and Financial Market Update for Week Ending 2020 11 13

    Play Episode Listen Later Nov 16, 2020 1:23


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 11 06

    Play Episode Listen Later Nov 9, 2020 1:11


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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    The 2020 Vote and Your Finances

    Play Episode Listen Later Nov 6, 2020 3:30


    http://www.rickomarek.com/blog/the-2020-vote-and-your-finances Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    vote finances ric
    Weekly Economic and Financial Market Update for Week Ending 2020 10 30

    Play Episode Listen Later Nov 2, 2020 1:19


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 10 23

    Play Episode Listen Later Oct 26, 2020 1:24


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 10 16

    Play Episode Listen Later Oct 19, 2020 1:15


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 10 09

    Play Episode Listen Later Oct 12, 2020 0:47


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 10 02

    Play Episode Listen Later Oct 6, 2020 1:29


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

    talk economic market updates ric financial markets week ending
    Weekly Economic and Financial Market Update for Week Ending 2020 09 25

    Play Episode Listen Later Sep 28, 2020 1:25


    Talk to Ric... https://goo.gl/c3jdeO Learn more at... http://www.rickomarek.com Watch videos here... https://www.youtube.com/playlist?list=PLvLbqeCOg7FSAapjPvyJhruHoMAPMKqeC --- Send in a voice message: https://anchor.fm/ric-komarek-cfp/message

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