The Jon Sanchez Show

In this episode, Jon G. Sanchez and Dennis Sanchez review the core principles that often shape long-term success. They explore why returning to foundational habits can influence decisions in business, sports, and everyday life. The discussion outlines the discipline, sacrifices, and mindset that support progress—offering perspectives that listeners can apply to their own goals. These themes also connect to how individuals approach planning for the future, including conversations often held with Reno financial planners and those interested in wealth management Reno strategies.

In this episode, Jon G. Sanchez reviews Jim Morrow's perspective on the current AI-driven market environment. The conversation outlines why Morrow describes artificial intelligence as the most crowded trade in market history and examines why he views the pace of a potential unwind as gradual before accelerating.The discussion also explores the accounting considerations influencing companies such as Meta and Oracle, along with an overview of why several high-profile trillion-dollar deals appear more aligned with short-term trading behavior than long-term investment positioning.These themes offer additional context for listeners following market trends, retirement planning conversations, and wealth management Reno topics.

In this conversation, Jon G. Sanchez, Dwight Millard, and Cory Edge delve into the complexities of builder financing and its implications for home buyers. They discuss interest rate predictions, the mechanics of rate buy downs, and how builders leverage forward commitments to offer attractive mortgage rates.The conversation highlights the hidden costs associated with these builder mortgages, including inflated home values and the potential for buyers to find themselves underwater. The discussion emphasizes the importance of understanding concessions and the different rules that apply to builders compared to individual lenders.

On today's episode of The Jon Sanchez Show, we discuss the risks couples face when only one partner understands the household finances. The conversation covers how to organize key accounts and documents, what to consider if a partner becomes ill or passes away, and ways both spouses or partners can feel more informed and prepared.This educational discussion is designed to help listeners in Reno, Nevada and beyond think about financial planning as a team and encourages them to consult with a qualified financial professional about their own situation.

In today's episode of The Jon Sanchez Show, we unpack one of the biggest stories shaping real estate in 2025 — the “golden handcuffs” of ultra-low mortgage rates.Millions of homeowners are staying put, creating a gridlock that's keeping the housing market frozen. Jon and the team explore how this limited inventory continues to drive home prices higher and what these trends could mean for buyers, sellers, and long-term investors alike.The discussion also connects to broader financial planning considerations, including how shifts in housing dynamics may influence retirement planning, investment strategy, and wealth management decisions in Reno and beyond.

In this episode, Jon and Bailey Sanchez dive into the latest market trends while exploring how artificial intelligence is reshaping the small business landscape. The conversation highlights how AI tools can help small business owners refine marketing strategies, streamline operations, and enhance customer engagement. Jon and Bailey also examine the power of brand identity—what truly defines a brand—and how consistent customer experience fuels long-term loyalty.

In this conversation, the Jon Sanchez, Dwight Millard of Highlands Mortgage and Cory Edge of Edge Realty discuss the rapid evolution of technology, particularly AI, and its implications for the mortgage and real estate industries. They explore how AI is transforming processes, the current market trends, and the importance of protecting wealth and equity in real estate investments. The discussion also covers strategies for homeowners and investors to safeguard their assets against potential risks.Chapters00:00 Introduction and AI in Real Estate02:35 The Evolution of Technology and Its Impact05:27 AI's Role in the Mortgage Process08:18 Market Trends and Economic Indicators10:42 Wealth Protection Strategies for Homeowners19:06 Protecting Equity in Investment Properties

Do you think the stock market is the only path to wealth? Think again. We broke down how to build true, lasting wealth outside of Wall Street — from real estate to private lending, business ownership, and even alternative investments the wealthy quietly use every day. If you're ready to diversify your financial freedom, this show's for you.

Home values are up, but so are the risks! We break down how to protect the equity you've worked so hard to build in both your primary home and your rentals. From legal shields to financial strategies—don't miss these essential steps to keep what's yours… yours!

What if I told you the most powerful business team in the world might just be… you and your laptop? Jon explored how AI solopreneurs are building million-dollar empires from their kitchen tables — and the smart, safe ways to join this revolution.

In this episode of The Jon Sanchez Show, Jon explores how technology is reshaping entrepreneurship and redefining the modern business landscape. With the rise of AI-driven tools and digital automation, today's solopreneurs are creating scalable businesses from home offices and kitchen tables. Jon discusses practical strategies for integrating AI into your workflow, the financial and operational risks to consider, and how these shifts could influence future approaches to wealth management in Reno and beyond.

In this engaging conversation, Jon and Bailey Sanchez discuss family dynamics, travel plans, and delve into the complexities of the current economic landscape. They explore the impact of AI on employment, the ongoing government shutdown, and the frustrations surrounding political decisions. The dialogue emphasizes the importance of transparency and understanding in navigating these challenging times.Chapters00:00 Introduction and Family Dynamics02:32 Travel Plans and Family Connections05:21 Market Overview and Economic Insights08:29 Tech Earnings and Market Reactions11:21 AI's Impact on Employment14:12 Corporate Layoffs and AI Assumptions16:43 The Tug of War in the Market19:45 The Future of Work and AI Integration25:07 The Amazon Delivery Business Model26:26 The Impact of Government Shutdowns27:32 Federal Reserve and Interest Rates28:21 Economic Consequences of Government Shutdowns30:54 Public Sentiment and Political Accountability34:22 The Role of Citizens in Political Change38:27 The Future of the Economy and Consumer Spending42:57 Investment Strategies in Uncertain Times

In this episode of the Jon Sanchez Show, Jon Sanchez, Dwight Millard, and Cory Edge discuss the impact of recent Federal Reserve decisions on mortgage rates and the housing market. They explore strategies for turning home equity into retirement cash flow, including HELOCs, cash-out refinancing, downsizing, reverse mortgages, and accessory dwelling units (ADUs). The conversation also touches on the challenges faced by the real estate market and potential solutions to stimulate growth.

In this conversation, Jon Sanchez and Jason Gaunt discuss the recent Federal Reserve interest rate cut and its implications for the market. They analyze the Fed's balance sheet, the impact of AI on major tech companies like Google and Microsoft, and the earnings reports from these companies.The discussion highlights the volatility in the market following the Fed's announcements and the ongoing influence of AI technology on corporate strategies and financial performance. Chapters00:00 The Fed's Interest Rate Decision02:26 Market Reactions and Algorithmic Trading05:25 Understanding the Fed's Balance Sheet08:18 Quantitative Tightening and Its Implications10:55 Earnings Reports and Market Volatility12:52 The Future of Interest Rates and Economic Indicators23:57 Financial Projections and Market Dynamics25:10 Microsoft's Investment in AI and Its Implications26:36 Earnings Reports: Google and Microsoft37:50 Meta's Performance and Market Reactions

In this episode of the Jon Sanchez Show, Jon and his co-hosts, Cory Edge and Dwight Millard, discuss strategies for turning home equity into retirement cash flow.They explore various options such as HELOCs, downsizing, and rental strategies, emphasizing the importance of using home equity wisely to generate income. The conversation also touches on the current market trends, including Nvidia's stock performance and the impact of AI on job markets.The hosts provide insights into the benefits and risks of different financial strategies, aiming to help listeners make informed decisions about their financial futures.Chapters00:00 Introduction and Market Overview01:51 Home Equity and Retirement Cash Flow06:38 Investment Strategies Using Home Equity11:12 Market Trends and Economic Predictions15:54 The Rise of Solopreneurship and AI Impact21:22 Conclusion and Future Outlook26:19 Navigating Commission Structures as an RIA31:02 Turning Home Equity into Retirement Cash Flow42:54 Strategies for Utilizing Home Equity44:18 Understanding Reverse Mortgages

As heard on Podcasters of America -Jon Sanchez, Bailey Sanchez and Dr. Dennis Sanchez continue their conversation on the risks and rewards that come with your new journey of being an AI Solopreneur. 

In this conversation, the Jon Sanchez, Dr. Dennis Sanchez and Bailey Sanchez discuss the dual nature of being an AI solopreneur, highlighting both the opportunities and challenges that come with it. They explore the rapid pace of technological advancement, the importance of maintaining a strong mindset, and the potential for loneliness and burnout in solo entrepreneurship. The discussion emphasizes the need for passion and resilience in navigating the evolving landscape of AI and entrepreneurship.

In this episode of the Jon Sanchez Show, Jon Sanchez discusses the current state of the market, focusing on key economic indicators, corporate earnings, the Federal Reserve's interest rate decisions, and the implications of the ongoing government shutdown. He emphasizes the importance of understanding market dynamics and making informed investment decisions amidst fluctuating economic conditions.Chapters00:00 Market Overview and Key Economic Indicators10:20 Corporate Earnings Season Insights14:47 Federal Reserve Interest Rate Decisions15:27 China Relations and Market Impact19:37 Government Shutdown and Its Implications28:06 Investment Strategies for Current Market Conditions

In this conversation, Jon G. Sanchez and Cory Edge discuss the intricacies of the 1031 tax deferred exchange, a powerful tool for real estate investors to defer capital gains taxes.They explore the mechanics of the exchange, including the importance of qualified intermediaries, the rules and timelines involved, and practical applications for investors.The discussion also touches on current market trends, the impact of the government shutdown on real estate, and mortgage rate updates, providing listeners with a comprehensive understanding of the real estate investment landscape.Chapters00:00 Introduction and Market Overview01:05 Understanding the 1031 Tax Deferred Exchange15:25 Deep Dive into 1031 Exchange Mechanics22:26 Understanding 1031 Exchange Deadlines29:24 The Role of Qualified Intermediaries34:36 Navigating the 1031 Exchange Process42:13 Avoiding Common Pitfalls in 1031 Exchanges

In this episode of the Jon Sanchez Show, hosts Jon G. Sanchez and Jason Gaunt, Sanchez Gaunt Capital Management in Reno, NV, discuss the current state of the market and its implications for retirees.They delve into the fears that retirees face, such as market volatility, healthcare costs, and the uncertainty surrounding social security. The conversation emphasizes the importance of financial planning, addressing longevity risks, and the need for predictable income sources in retirement.The hosts provide insights on how to navigate these challenges and ensure a secure financial future for retirees. Chapters 00:00 Market Overview and Current Sentiment14:42 Retirement Income Reality Check: Fears and Solutions24:12 Retirement Income Reality Check25:35 Healthcare Wild Ride30:53 Longevity and Financial Planning35:04 Social Security Strategies35:58 Tax Planning in Retirement37:11 Fees and Inflation Impact37:55 Confidence Crisis in Retirement Planning

In this conversation, Jon Sanchez (Sanchez Gaunt Capital Management), Cory Edge (Edge Realty) and Dwight Millard (Highlands Mortgage) discuss the complexities of navigating divorce, particularly focusing on the implications for home ownership and financial planning.They explore various options for dealing with the family home, including selling, buying out a spouse, or co-owning temporarily. The emotional and financial impacts of divorce are highlighted, along with the importance of understanding home value, protecting credit, and planning for future housing needs. The conversation emphasizes the necessity of involving professionals such as realtors, financial advisors, and attorneys to ensure a smoother process during this challenging time.Chapters00:00 Introduction and Market Overview00:55 Navigating Divorce and Home Ownership08:25 Understanding Property Ownership in Divorce19:41 Determining the Home's True Value24:08 The Importance of Donor Contributions29:19 Navigating Divorce: Understanding Home Value and Ownership Options37:55 Protecting Credit and Future Housing Needs44:27 Involving Professionals in Divorce Planning

In today's episode of The Jon Sanchez Show, Jon explores a growing question in the world of entrepreneurship and innovation: why do some AI solopreneurs flourish while others face burnout or stall out?Jon is joined by Dr. Dennis Sanchez, known as “The AI Doctor,” to discuss how mindset, adaptability, and strategic decision-making shape long-term success in the rapidly evolving AI economy. Together, they examine the pressures of launching a business in a tech-driven world—fear, stress, and uncertainty—and the key behaviors that help entrepreneurs stay motivated and resilient.This insightful conversation connects personal growth and financial awareness, showing how thoughtful planning, adaptability, and discipline can make a measurable difference in both business and wealth outcomes.

The conversation explores the transformative impact of artificial intelligence on the real estate and banking sectors. It discusses how AI is reshaping property searches, mortgage approvals, and the overall buying and selling process. The hosts also delve into recent market reactions to banking fraud cases and the implications for regional banks. They highlight the importance of understanding loan issues and the role of AI in detecting fraud and customizing loan options. The discussion concludes with predictions about the future of AI in lending and real estate transactions.Chapters00:00 Introduction to the AI Impact on Real Estate02:27 Market Reactions and Banking Sector Concerns05:23 Understanding Private Credit Markets08:34 The Cockroach Theory in Financial Markets11:03 Exploring Distressed Assets and Bank Risks13:37 The Role of First Priority Liens15:56 The Consequences of Fraud in Lending18:46 Wrap-Up and Future Implications27:07 Weekend Plans and Family Activities29:38 Current Events and Social Issues30:33 Market Trends and Economic Insights34:07 AI's Impact on Real Estate41:31 The Future of Lending and AI Technology

In this episode, Jon G. Sanchez and Jason Gaunt review the latest market activity and explore the ongoing confusion around market trends. The conversation focuses on why asset protection has become a crucial component of sound financial planning. Jon and Jason outline key strategies involving trusts, LLCs, beneficiary designations, and the homestead exemption—explaining how each can play a role in helping individuals reduce exposure to lawsuits and financial risks.Listeners will gain valuable insight into practical ways to organize their financial structures, protect accumulated wealth, and prepare for changing market conditions. Whether you're evaluating your current estate plan or exploring retirement planning options, this discussion offers a timely look at wealth management in Reno and beyond.Chapters00:00 Navigating the Corporate Meeting Landscape00:56 Market Sentiment and Economic Indicators05:09 The Importance of Asset Protection14:08 Market Movements and Sector Performance21:47 Shrinking Attention Spans in Media Consumption24:18 Asset Protection Strategies for Families29:44 Understanding Revocable Trusts32:42 The Importance of Proper Titling and Beneficiary Designation34:35 Exploring the Homestead Exemption41:11 The Role of Umbrella Insurance

The conversation explores the transformative impact of artificial intelligence (AI) on the real estate industry, focusing on its applications in property search, pricing, and mortgage approvals. The hosts discuss the evolution of AI in real estate, the rise of data centers, and the implications for buyers, sellers, and lenders. They also touch on the stock market's response to AI advancements and the future of housing in a technology-driven world.Chapters00:00 Introduction to AI in Real Estate01:54 The Evolution of AI in Real Estate04:51 Data Centers and Their Impact on Real Estate07:45 Infrastructure Needs for Data Centers10:37 Market Reactions and Economic Implications10:39 AI's Role in Shaping Future Real Estate Trends18:21 The Role of AI in Real Estate20:57 AI-Powered Property Searches27:07 Mortgage Pre-Approval Revolution30:16 Future of Mortgage Funding

In this episode, Jason Gaunt, Jon Sanchez, Bailey Sanchez and Dr. Dennis Sanchez discuss the current state of the market, the impact of government layoffs, and the rise of solopreneurs leveraging AI. They explore the traits of successful solopreneurs, effective marketing strategies, and the importance of community building and continuous learning in today's business landscape.Chapters00:00 Introduction and Market Overview02:20 The Impact of Government Layoffs05:10 Market Reactions and Economic Indicators07:52 The Role of AI in Business10:42 Traits of Successful Solopreneurs13:19 Personal Stories and Experiences13:55 Conclusion and Future Insights18:57 Traits of Successful AI Solopreneurs: Focus and Niche21:46 Speed and Acuity: The Importance of Quick Decision Making24:41 Leveraging SEO and SEM for Business Growth26:15 Guerrilla Marketing: Cost-Effective Strategies for Success29:31 Sales Mentality: Automating Revenue Generation33:01 Commitment to Continuous Learning: The Key to Success

In this episode, Jon Sanchez and Jason Gaunt discuss the recent downturn in the stock market, driven by geopolitical tensions, particularly with China, and the implications of new tariffs. They analyze investor sentiment, the impact of AI valuations, and the upcoming earnings season, providing insights on how to manage portfolios in a volatile market environment.Chapters 00:00 Market Overview and Initial Reactions02:07 Impact of Tariffs on Market Dynamics04:56 Concerns Over AI Valuations and Bankruptcies07:33 Rare Earth Minerals and Their Significance10:08 Presidential Announcements and Market Responses10:52 Government Layoffs and Market Implications11:45 Understanding Beta and Portfolio Management19:16 Defensive Strategies in a Volatile Market20:31 Government Shutdown and Its Economic Impact26:26 Political Games and Economic Consequences30:23 Earnings Season: A Potential Market Stabilizer

The largest wealth transfer in U.S. history is underway, with trillions of dollars in property expected to shift from one generation to the next.In this episode of The Jon Sanchez Show, Jon, Cory Edge (Edge Realty) and Dwight Millard (Highlands Mortgage) explore what really happens when you inherit a home—and the critical financial, tax, and emotional decisions that follow.They outline the key factors to consider before deciding whether to sell, keep, or rent an inherited property, including how each choice may affect your overall financial plan.The conversation also highlights estate considerations, potential market impacts, and how inheritance fits into long-term wealth management in Reno and beyond.

In this episode, Jon Sanchez and Jason Gaunt of Sanchez Gaunt Capital Management (Reno, Nevada wealth managers) explore the unique challenges and opportunities of solo retirement.Whether due to divorce, the loss of a loved one, or personal choice, retiring alone presents distinct financial, emotional, and lifestyle considerations. Watch this episode as they discuss strategies to build a strong, independent, and joyful retirement without a partner by your side.Key Takeaways:Understand the financial vulnerabilities of solo retirement and how to mitigate them.Learn the importance of creating a detailed cash flow plan and building multiple income streams.Discover the emotional resilience needed to thrive in solo retirement and how to maintain social connections.Explore the significance of estate planning and having a trusted network for decision-making.Gain insights into managing healthcare costs and planning for long-term care.

On today's episode of The Jon Sanchez Show, Jon is joined by guest hosts Cory Edge of Edge Realty and Dwight Millard of Highlands Mortgage to explore what happens when you inherit a home.With the largest wealth transfer in history underway, trillions of dollars in real estate are expected to move from one generation to the next over the coming decade. Together, Jon, Cory, and Dwight discuss the key financial, tax, and emotional considerations that come with inheriting property. Should you keep it, sell it, or rent it?The trio examines the pros and cons of each option, along with how these choices fit into broader wealth management Reno strategies, including real estate planning, mortgage decisions, and long-term retirement planning.

In this episode of The Jon Sanchez Show, Jon, Jason Gaunt and Dr. Dennis Sanchez examine how artificial intelligence is reshaping entrepreneurship and what it takes to thrive in this new era.They discuss key characteristics of successful AI entrepreneurs—including adaptability, risk tolerance, and a growth mindset—and how these traits influence decision-making in rapidly changing markets.The conversation also reviews the recent OpenAI–AMD partnership and its implications for data center innovation, scalability, and the expanding world of solopreneurship. Whether you're an investor, business owner, or professional exploring AI-driven opportunities, this discussion offers timely insights into technology's evolving role in modern business strategy.

In this episode, Jon Sanchez and Jason Gaunt discuss the current state of the stock market, focusing on the impact of government shutdowns, market valuations, and emerging technologies like quantum computing and rare earths. They analyze market sentiment, the potential for a market drawdown, and the importance of having an exit strategy in a frothy market. The conversation also touches on sector performance and the outlook for upcoming economic data and earnings reports.

In this episode of The Jon Sanchez Show, the team reviews the current economic climate with a focus on how the government shutdown has influenced market performance and investor sentiment. The discussion highlights key labor market data and what it may signal for broader economic conditions. Beyond the headlines, the conversation explores creative real estate investment strategies and alternative cash flow opportunities—including billboards, solar energy leases, and data centers—as potential ways to diversify. The episode also examines updates in credit scoring, emerging real estate technology, and how innovation continues to shape long-term decision-making for investors.

The U.S. government has officially entered a shutdown, raising concerns for many Americans. On this episode of The Jon Sanchez Show, Jon Sanchez and Jason Gaunt review what this development could mean for federal employees, essential services, and the broader economy. They discuss how the stock market has historically responded to past shutdowns, outlines potential effects on personal finances, and examines what investors in Reno and beyond should be aware of when it comes to wealth management Reno, retirement planning, and portfolio considerations.

In this episode of The Jon Sanchez Show, we review the potential U.S. government shutdown and what it could mean for markets, economic reports, and real estate transactions. With the Non-Farm Payroll Report at risk of delay, Jon discusses the uncertainty this creates for investors and how real estate activity may be disrupted in the near term.

In this episode of The Jon Sanchez Show, Jon reviews current market activity before shifting focus to one of today's fastest-growing trends: solopreneurship. Millions of people are stepping into business ownership without payroll or employees—relying instead on technology to build income streams and grow personal wealth. Jon is joined by Dennis Sanchez, “The AI Doctor,” to examine how artificial intelligence is changing the way solopreneurs launch side hustles, scale full-time ventures, and manage their financial goals. The conversation highlights opportunities, risks, and the long-term considerations for individuals navigating this new business landscape.

Despite some mid-week volatility, Wall Street closed out with resilience. Inflation came in on target, jobs remain steady, and investors are looking ahead to next week's big data. The downside was a bit of a cool off in the AI space.  This afternoon on the Jon Sanchez Show at 3pm, we'll highlight the winners, the risks, and what could set the tone for October.

There's an old saying that goes like this……if your marriage can survive a home remodel, it can survive ANYTHING.  As mortgage rates fail to fall after last week's rate cut, many of you may be thinking about just staying put, yet you want a change.  How about a home remodel?  This afternoon on the Jon Sanchez Show at 3pm, we'll highlight 7 things you should consider so that your marriage can survive a home remodel.

One of the biggest retirement saving perks for workers age 50 and older is about to get some new restrictions starting next year.  Today on the Jon Sanchez Show at 3pm, we'll explain this new rule and how may impact your retirement savings plan.

Buying your first home can feel overwhelming, but with the right game plan, it's more possible than you think. Today, we'll walk through the smart steps every first-time buyer should know to turn that dream of homeownership into reality

In a surprising announcement this morning, Jensen Huang, the CEO of Nvidia announced his company was making a $100 billion investment into OpenAI, the company behind ChatGPT.  This investment will be a 10 gigawatt project, something no one has ever seen before.  So what does this mean for you and how you will use AI in the future?  Dr. Dennis Sanchez, the AI Doctor will let us know, today on the Jon Sanchez Show at 3pm.

Wall Street just smashed records — again. A rate cut, a massive tech bet, and bullish money flooding into the markets. But beneath that euphoria, risks are creeping in. Join us today for the Jon Sanchez Show at 3pm as we break down what's driving this rally… and where it could all go wrong.

This afternoon on the Jon Sanchez Show at 3pm, we'll be reviewing our local August real estate report.  You'll find out our new median price, how long it is taking to sell a home, our inventory levels and much more.  In addition, we'll be discussing why mortgage rates have risen almost ¼% just in the last two days.

Today, we received the fed's interest rate decision which was followed by Fed Chair Jerome Powell's news conference.  What did the fed do with interest rates and what hints did they give us regarding the direction of rates?  We'll discuss all of this and most importantly 7 ways today's decision may impact your financial life.

Today on the Jon Sanchez Show at 3pm, we'll be joined by Dr. Dennis Sanchez, the AI Doctor.  Today, we'll discuss how OpenAI vows to certify 10 million Americans in AI by 2030 and how Wal-Mart plans to train all 1.6 million of its American staff in AI and how this could redefine how people enter the workforce-especially those without a traditional college degree.

Roth IRAs can offer substantial benefits.  Tax deferred growth, tax free withdrawals and no Required Minimum Distributions.  But if you are single and your Modified Adjusted Income is greater than $150,000 or your joint income exceeds $236,000, you are not eligible for a Roth contribution.  However, there is a work around and it's called the Backdoor Roth.  We'll explain how it works, the benefits and the rules, this afternoon on the Jon Sanchez Show at 3pm.

Mortgage rates fell this week to their lowest level in nearly a year due to widespread expectations that the Federal Reserve will cut rates next week.  The average 30-year fixed mortgage rate fell to 6.35%. That's the lowest level since October.  But there is still one major problem with the housing market and we'll let you know what it is, today on the Jon Sanchez Show at 3pm.

One of the many questions we help our clients answer when we are planning for their retirement is the following….Should I keep my home once I retire or should I cash out, invest the proceeds and enjoy a simple life of being a renter?  If this question has crossed your mind, you are not alone.  Many current and future retirees are considering this.  But what are the pros and cons?  We'll let you know, this afternoon on the Jon Sanchez Show at 3pm.For more information or questions on today's topic, please visit sanchezgaunt.com and schedule an appointment with our team.

Have you hit the big 5-0 and realized your retirement savings account is looking a little… light? Don't panic. Today on The Jon Sanchez Show at 3pm, we'll walk you through the smart moves you can make right now to get back on track, build financial security, and make sure your golden years are everything you want them to be.