The Kuderna Podcast

CFP and host, Bryan Kuderna, discusses the history of Social Security and the current state of the entitlement before explaining how Social Security benefits get taxed. The episode concludes with several tips to mitigate Social Security taxes in retirement. For more information on Social Security, head to https://www.ssa.gov. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194

Elaine Pofeldt is the author of "Tiny Business, Big Money" and "The Million-Dollar, One-Person Business". She was twice nominated for the National Magazine Award for her work with FORTUNE Magazine. She's a graduate of Yale and focuses on entrepreneurship and solopreneurs. Learn more about Elaine at https://www.elainepofeldt.com.

Bryan compares Trump's first term including the economic landscape, stock market, global conflicts, and tariff schedule to Trump's second term. He highlights the impact of initial tariffs against China and the Tax Cuts and Jobs Act on the stock market in 2017 and 2018. Many similarities between the two terms and their trade wars can offer insights to investors. This episode's content can be supplemented by a more historical view on economics in Bryan's book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 

Kate O'Neill is a strategic advisor for Google, Yale, the UN, and more. One of the first 100 employees at Netflix, she teaches leaders how to leverage tech with empathy to maximum value to customers and shareholders. Her new book is titled, "What Matters Next: A Leader's Guide to Making Human-Friendly Tech Decisions in a World That's Moving Too Fast". Learn more about Kate at https://www.koinsights.com.

Jay Paterno coached for 17 years at Penn State University and is the son of legendary coach, Joe Paterno. Jay is a public speaker, PSU trustee, and author of "Blitzed! The All-Out Pressure of College Football's New Era". We discuss NIL deals, the transfer portal, building a winning culture and team in the modern era, and the future of college football. Follow Jay at www.jayvpaterno.com @JayPaterno on X and @JayVPaterno on IG. Sign up for Bryan's "Weekly Wealthy Wisdom" newsletter at https://lp.constantcontactpages.com/su/8HtkZbP 

Michael Wolk is a Broadway producer and has written screenplays including "Innocent Blood", produced by Warner Brothers and directed by John Landis, mystery novels such as "The Beast On Broadway" and "Signet". He is currently working on a musical adaptation of "The Pianist" and the forthcoming "The Karate Kid". His performances have been at The Lincoln Center, Kennedy Center, George Street Playhouse, and in Central Park. He's the founder of All For One Theatre, he works and lives in Times Square. Check out Michael's newest book, "Devils Game" at https://try.devilsgame.com.

Margot Machol Bisnow is a writer, wife, and mom from Washington, DC. She spent 20 years in government, including as an FTC Commissioner and Chief of Staff of the President Reagan's Council of Economic Advisers, and is the author of “Raising an Entrepreneur: How to Help Your Children Achieve Their Dream.” Her book is based on her interviews with icons such as film director Jon Chu, Under Armour founder Kevin Plank, YouTube CEO Susan Wojcicki, supermodel Karolina Kurkova, and more. Follow Margot on Instagram @margotbisnow.

Jeanne Sheehan Zaino is a political science professor at Iona and expert in public opinion and political foundations. Zaino and Kuderna focus on the life and contributions of Sikandar Hayat Khan, a significant yet overlooked figure in the history of India and Pakistan, and its parallels to the American Revolution. The conversation delves into the complexities of the partition of India, the challenges of establishing democracy, and the role of the U.S. in promoting democratic values globally. They cover the current state of democracy, the complexities of interventionism, and the historical lessons learned from power vacuums. She emphasizes the need for constant care and reform of democratic systems to ensure they remain effective and responsive to the needs of the people. Follow Jeanne at https://www.iona.edu/faculty/zaino-jeanne and order her new book at https://www.amazon.com/American-Democracy-Crisis-Rethinking-Madisonian-ebook/dp/B08RXQ252Q/ref=sr_1_1  Keywords: political science, democracy, history, Sikandar Hayat Khan, partition of India, public opinion, political foundations, minority rights, American government, global politics, democracy, interventionism, power vacuums, American democracy, reforms, political structure, governance, historical lessons, political parties, government accountability

Henrietta Treyz is the Managing Partner and Director of Economic Policy Research at Veda Partners. She has provided investors with election and economic policy analysis for over 15 years, including COVID-era stimulus bills, US-China trade wars, the Great Recession, and healthcare reform. Previously, Treyz served in the U.S. Senate covering Senate Finance, Banking, and Budget Committees. Learn more at https://veda-partners.com/about-us

Host, Bryan Kuderna, puts on his CFP hat to discsuss the concept of tax loss harvesting, explaining its significance in investing and tax planning. He discusses how to offset capital gains with capital losses, the importance of understanding capital gains taxes versus income taxes, the wash sale rule, capital loss income tax deduction, and when to implement tax loss harvesting effectively.    Chapters 00:00- Introduction to Tax Loss Harvesting 13:20- When to Use Tax Loss Harvesting 24:46- Current Market Context and Strategy   Keywords: tax loss harvesting, capital gains, investment strategy, tax planning, financial advice, portfolio management, tax benefits, investment returns, market trends, financial education, cfp, kuderna   This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    7385803.1 exp. 11/26    

Mark Matson is the CEO of Matson Money, managing over $11 billion in assets. He is an entrepreneur, author, and innovator in the fields of investing science and financial education. Mark works with over 300 advisory practices across the U.S., Canada, and Puerto Rico. He is the author of "Experiencing The American Dream" and frequent contributor to Fox Business, CNBC, Yahoo Finance, and Bloomberg.   This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194  7347960.1 exp. 11/26

Kuderna provides a comprehensive analysis of the economic agendas of the 2024 presidential candidates, Kamala Harris and Donald Trump. He discusses key economic indicators such as unemployment, inflation, GDP, national debt, and the stock market, setting the stage for a detailed examination of each candidate's proposals. Harris's agenda focuses on increasing taxes on corporations and the wealthy while providing support for young families and first-time homebuyers. In contrast, Trump's agenda emphasizes tax cuts, deregulation, and a strong stance on international trade, particularly with China.   Chapters 00:00- Introduction to the Economic Landscape 10:37- Kamala Harris's Economic Agenda 17:10- Donald Trump's Economic Agenda 28:39- Concerns and Opportunities in Economic Policies   keywords: election 2024, economic agenda, Kamala Harris, Donald Trump, personal finance, unemployment, inflation, GDP, national debt, stock market     This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    7245090.1 exp. 10/26

Bryan discusses the pros and cons of custodial accounts, particularly UTMAs (Uniform Gift to Minors Act). He covers the 2024 gifting limits and lifetime estate tax exemption, restrictions on custodial accounts, and potential tax advantages. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194  7202937.1 exp. 10/26

Stephen Foerster, a professor of finance at the Ivy Business School, discusses various topics related to investing, including the impact of election years on the markets, the importance of having an investment philosophy, and the role of bonds in a portfolio. Foerster shares his personal investment philosophy and highlights the challenges of trying to outperform the market. He also shares stories from history, such as Roman generals and the New York Mets, to illustrate investing lessons about knowing when to do nothing and understanding opportunity costs. Learn more about Steve's work and new book at https://stephenrfoerster.com. Keywords: investing, election years, markets, investment philosophy, bonds, national debt, government bonds, corporate bonds, risk-free, interest rates, inflation, bond prices, investment horizon, liquidity needs, inverted yield curve, diversification, opportunity costs, financial goals Chapters 00:00- Introduction and Background of Stephen Foerster 03:33- The Importance of an Investment Philosophy 16:14- The Role of Financial Advisors in Emotional Support 18:07- The Value of Simplicity and Index Funds 20:04- The Impact of Presidential Policies and Interest Rates 28:30- The Concerns Surrounding the National Debt 34:3- Understanding the Distinction between Government Bonds and Corporate Bonds 37:55- The Risk of Not Getting Money Back with Corporate Bonds 44:28- The Inverse Relationship between Interest Rates and Bond Prices 51:53- The Importance of Diversification in Investment Portfolios 57:13- Knowing When to Not Take Action 01:05:46- The Three Levers to Reach Financial Goals This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #7006931.1 Exp. 9/26

Rob Neuner is the founder and CEO of Boost Oxygen, named by Inc Magazine as one of the 500 fastest growing companies in the world. He shares his journey from importing beer from Prague from 1996-2006 before starting Boost, and his experience on Shark Tank landing a deal the deal with Kevin O'Leary. Bryan and Rob discuss business start-ups, managing everything from marketing to engineering, working through the COVID-19 pandemic, work-life balance, and more   Keywords: Rob Neuner, Boost Oxygen, Shark Tank, oxygen canisters, athletes, respiratory issues, altitude sickness, O2 trainer, Rob Neuner, Boost Oxygen, COVID-19, manufacturing, distribution, online retailers, brick-and-mortar retailers, succession planning, investments, favorite book, favorite movie, favorite vacation destination   Chapters 00:00Introduction and Background 04:14The Deal with Kevin O'Leary 08:01Transition from Beer Importing to Boost Oxygen 14:20The Genesis of Boost Oxygen 19:02Building Boost Oxygen and Maintaining Profitability 21:19Future Plans for Boost Oxygen 28:08The Distribution of Boost Oxygen: Online vs Brick-and-Mortar 30:38The Efficiency and Profitability of Online Retailers 33:08Manufacturing In-House and Overcoming Production Issues 35:29Succession Planning and the Future of Boost Oxygen 38:03Different Paths for Business Growth: Private Equity, Going Public 41:31International Expansion and Market Growth 43:34A Day in the Life of Rob Neuner 46:34Lightning Round: Hero, Book, Movie, Quote, Vacation, Investment 51:16Changing the World: Negative Discourse

Dan Nicholson is a serial entrepreneur, founder of Nth Degree CPAs, and author of the USA Today and WSJ best-selling book 'Rigging the Game'. He shares his approach to tax planning, lessons from endurance sports for business, and personality assessment of 'wealth types' in making financial decisions. Dan addresses the changing landscape of the accounting industry and the impact of AI.   Keywords: endurance sports, business, consistency, calculated risks, wealth types, tax planning, CPA, entrepreneur, accounting industry, AI, financial decisions, personal wealth     Chapters 00:00Introduction to Dan Nicholson 01:14Shared Experience of Participating in Half Ironman Triathlons 08:00Lessons from Endurance Sports: Consistency and Calculated Risks 12:15Understanding Your Wealth Type for Financial Decision Making 16:41Legal Strategies for Tax Planning: Following the Rules 21:19Building Relationships and Staying Up to Date in Tax and Accounting 26:18Curiosity and Adaptability in the Accounting Industry 30:36Job Hopping and Leveraging Resume 37:13Transitioning to Entrepreneurship 42:57Rigging the Game: A New Approach to Financial Decision-Making 45:32The Changing Landscape of the Accounting Industry 51:53The Impact of AI on Traditional Accounting Roles 56:48Making Better Financial Decisions for Personal Wealth   Dan's Book: https://www.riggingthegame.com

Bryan Kuderna presents a financial physical, providing 10 benchmarks to help followers assess their financial health. These benchmarks cover topics such as emergency funds, income levels, investment portfolios, disability insurance, credit card debt, vacation planning, retirement plans, life insurance, estate planning, and net worth.   Keywords: financial health, benchmarks, emergency fund, income levels, investment portfolio, disability insurance, credit card debt, vacation planning, retirement plans, life insurance, estate planning, net worth.   1- Do You Have an Emergency Fund? 2-  Do You Exceed the Median Earnings of Your Peers? 3- Do You Have Automatic Contributions to Your Investments? 4- Do You Have Disability Insurance? 5- Do You Pay Off Your Credit Cards Monthly? 6- Do You Pay for Your Vacations in Advance? 7- Do You Maximize Your Employer Match? 8- Do You Have Term and Whole Life Insurance? 9- Do You Have a Will? 10- Does Your Net Worth Go Up Every Year?   *Median Earnings (https://www.bls.gov/cps/earnings.htm)

Bernard Chong started by selling shoes in his family's shoe business, World Balance, in the Philipines before becoming an iconic angel investor. He has stakes in ASI Studios, Energy FM, Tim Hortons, RKB Productions, Thirty One Digital, and more. Chong is world-renowned for founding the award-winning Bren Esports (now APBren) organization in 2017. Bren's Mobile Legends: Bang Bang team achieved a historic win as the first Philippine team to win the M-series World Championship title. Chong is preparing for the launch of several new ventures such as Mendo Coffee Company's U.S. expansion, a new platform mobile app, housing developments in Panama, the BrenNetwork investment fund and a global education-focused non-profit, BrenSEED Foundation.   Keywords: investing, entrepreneurship, shoe business, diverse portfolio, online gaming, business partnerships, video games, eSports, angel investing, philanthropy, chess, business insights, risk-taking, learning from failure, giving back, favorite book, favorite movie, favorite vacation destination, morning routine, personal hero, internet access.   Chapters 00:00Introduction to Bernard Chong and his diverse investments 02:00From electronic computer engineering to becoming an investor 09:32Lessons from failure and the importance of learning 13:01The life-changing impact of business process outsourcing 25:55Meeting online gaming friends in person and forming business relationships 29:16Transitioning from gaming friendships to business partnerships 35:16The positive impact of technology and information access 37:48Building a Brand in eSports 42:16The Vision for Bren eSports 45:00Balancing Work and Guiding Others 47:49Empowering Others and Allowing Growth 50:48Taking a Long-Term Approach to Investments 55:52Lessons from Chess and Video Games 58:04Advice to Younger Self: Embrace Testing and Learning 01:01:47Bridging the Digital Divide

In this episode, Bryan Kuderna discusses the topic of where our tax dollars go. He addresses common misconceptions about student loan forgiveness and explores the biggest line items in the US federal budget. The two largest expenses are Medicare/Medicaid and Social Security, followed by defense spending. He also highlights the significant interest expense on the national debt. Kuderna emphasizes the importance of understanding government spending and its impact on the economy.   Sources: U.S. Treasury, Congressional Budget Office, Office of Management and Budget, Department of Defense, Bureau of Labor Statistics.

In this episode, Bryan Kuderna discusses investing in an election year. He provides an overview of the current political landscape and its potential impact on the stock market. Kuderna also explores the historical performance of the stock market during election years and highlights the influence of the Federal Reserve. He concludes by offering insights and considerations for investors in the coming months. Investors have seen positive returns in 20 out of 24 election years. The average election year return when a Republican wins the White House has been 15.3%, compared to 9% when a Democrat wins. Presidents seeking reelection often take actions to pump up the stock market, such as fiscal stimulus and pro-growth regulation. The Federal Reserve has been active in election years, with rate hikes or cuts occurring in every election year since 1980. A crashing stock market is challenging for a sitting president to win reelection. Investors should keep an eye on the stock market and consider the potential impact of political and economic factors in the coming months. *Stock Market Data Source: Morningstar / Ibbotson Associates.  ** This material is for general information only and is not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, please consult your financial professional prior to investing.  Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk.  Index performance is not indicative of the performance of any investment and does not reflect fees, expenses, or sales charges. All performance referenced is historical and is no guarantee of future results. 

Steven Benedict is a professional track and field athlete, entrepreneur, author, and philanthropist. He ranked 20th in Nationals in the 200 meter sprint, won the 4x100m at the Penn Relays, and is an Olympic Trials qualifier at 40 years-old. He grew up as a foster child and credits his faith and lessons learned on the track for getting him through adversity.  Follow Steve at https://stevieyb.com and on Instagram at https://www.instagram.com/stevieyb22/.

Host and Certified Financial Planner, Bryan Kuderna, discusses the importance of protection in personal finance and focuses on insurance and how to pick the right insurance carrier. He emphasizes the need to understand the language and terms of insurance contracts and the importance of planning for unexpected events. Bryan also highlights the difference between price and cost, and the role of quality and value in insurance decisions. He introduces the Comdex ranking as a tool to evaluate the credit worthiness of insurance carriers.

Jerri Williams, a former FBI special agent, shares insights into the world of fraud and economic crime. She discusses the anatomy of a Ponzi scheme, using the New Era Foundation case as an example. Williams explains how fraudsters manipulate victims and the psychology behind their actions. She also delves into other types of scams, such as advanced fee schemes and business-to-business telemarketing fraud. Williams highlights the importance of international cooperation in investigating and prosecuting fraud cases. She concludes by discussing the traits and motivations of fraudsters, as outlined in the fraud triangle: opportunity, pressure, and rationalization. In this conversation, Jerri Williams discusses the motivations behind fraud, the role of punishment in deterrence, the importance of staying apolitical in law enforcement, the biggest threats facing Americans and business owners, the need for a third political party, and her favorite roles as an FBI agent, podcaster, and author.     Check out Jerri's books and podcast at https://jerriwilliams.com.     This episode is brought to you by "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available in paperback, Kindle, or audiobook wherever books are sold... https://www.amazon.com/What-Should-Do-My-Money/dp/1264857934/ref=sr_1_1.

Bryan explores the stock market and the success of Nvidia. He discusses the basics of stocks, how businesses raise money, and the concept of going public. The episode also explains how investors make money through dividends and capital appreciation. He covers the different ways to track stocks and introduces popular market indexes like the Dow Jones, S&P 500, and NASDAQ. The concept of indexing and diversification is also explored. Lastly, the episode touches on the history of entrepreneurial financing. Learn more about the interplay between economics and stock market performance in Bryan's book, "What Should I Do with My Money?".  Click here to order https://www.amazon.com/What-Should-Do-My-Money/dp/1264857934/ref=sr_1_2 

In this episode of the Kuderna Podcast, host Bryan Kuderna discusses the concept of IRA maximization. He explains the three legs of the retirement system, which include social security, defined benefit pensions, and private savings. He emphasizes the importance of private savings, particularly through qualified retirement plans like IRAs. Kuderna delves into the tax concerns and future liabilities associated with IRAs, highlighting the need for careful planning. He explains the concept of required minimum distributions (RMDs) and the impact of the Secure Act on the stretch IRA strategy. Finally, Kuderna introduces the IRA maximization strategy, which involves leveraging life insurance to generate tax-free benefits. He discusses the benefits and considerations of this strategy for high net worth individuals.   Takeaways IRA maximization is a strategy that involves leveraging life insurance to generate tax-free benefits for high net worth individuals. The three legs of the retirement system in the US are social security, defined benefit pensions, and private savings. Tax concerns and future liabilities associated with IRAs should be carefully considered and planned for. The Secure Act has impacted the stretch IRA strategy, often requiring non-spouse beneficiaries to take all RMDs within 10 years of the owner's death. Chapters 00:00 Introduction to the Kuderna Podcast 00:30 Overview of IRA Maximization 01:27 The Three Legs of the Retirement System 03:21 Private Savings and the Role of IRAs 05:31 Understanding IRAs and Retirement Planning 10:23 Tax Concerns and Future Liabilities 18:04 Required Minimum Distributions (RMDs) 20:20 The Stretch IRA and the Secure Act 22:42 Introduction to the IRA Maximization Strategy 23:55 Using Life Insurance for Tax-Free Benefits 27:45 Benefits and Considerations of the IRA Maximization Strategy   *US Retirement Assets (CRS): https://crsreports.congress.gov  *Exceptions to tax on early distributions (IRS): https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions   This episode is brought to you by Weekly Wealthy Wisdoms, Bryan's free weekly E-newsletter packed with his best insights of the week.  Sign up for free at www.bryankuderna.com.

Bob Dougherty worked for over 25 years as an undercover Operations Officer for the Central Intelligence Agency (CIA). He has deep operational experience having personally managed and carried out multiple high-profile missions in the US, Europe, Central America, South America, and Middle East that lead to the capture of several most-wanted terrorists and the dismantling of their networks.  Bob has successfully worked against foreign terrorist groups such as The Islamic State, Al-Qaida, Hezbollah, HAMAS, Sendero Luminoso, Tupac Amaru Revolutionary Movement, the Japanese Red Army, and the Palestine Liberation Organization. In addition, Bob has extensive experience in working against Iranian state sponsored terrorism, and government of Iran intelligence and procurement operations worldwide.  He's received over 20 service awards during his career with the CIA. During the time period before and after the 9/11 terrorist attacks on the Homeland, Bob worked as the senior CIA officer on a FBI Joint Terrorism Task Force (JTTF) – which provided him substantive experience working the terrorism target inside the U.S. and in foreign countries through “over the horizon” operations. Bob has served as a subject matter expert instructor on terrorism and countering terrorist cells inside the U.S. and overseas.  He is a senior instructor on Human Intelligence and Counter-Terrorism for U.S. military special operations elements including Naval Special Warfare, SEALS, and U.S. Army Green Beret units. Bob is part of the guest speaker network of SpyScape and one of his major counter-terrorist operations (the capture of Abu Abbas) was subject of a recent episode.   This episode is brought to you by my new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available in paperback, Kindle, and audiobook wherever books are sold.

Jennifer Farrell is a celebrity designer and television host. She became nationally known hosting the long-running series “Find & Design,” and currently hosts the hit shows “Million Dollar House Hunters”, “Find Me a Beach House”, and “Most Amazing Homes.”  As the founder of Jennifer Farrell Designs, she's won many accolades over her career, and her work has appeared in Luxe Magazine, Entertainment Weekly, House and Garden, on the View, and more. Her most popular venture has been The Jennifer Farrell Collection, featuring hundreds of furniture and décor pieces at nearly 1400 stores nationwide. She is a spokesperson for Realtor.com and a Brand Advocate for ForeverLawn.  We discuss her unique business strategy she calls "The Triangle Method", focusing on design, TV, and brand partnerships.  Jennifer shares tips on the creative process, breaking through in modern media, the power of collaboration, real estate trends, and interior design.   This episode is brought to you by "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available in paperback, Kindle, and audiobook wherever books are sold.

Host, Bryan Kuderna, provides a brief summary of the stock market in 2023, including the winners and losers of the year.  He shares his outlook for 2024 and economic indicators to look out for, including GPD, unemployment, inflation, and recession. This episode is brought to you by Bryan's new book, "What Should I Do with My Money?", available in paperback, Kindle, or audiobook wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2024-167182 Exp. 1/26

Mark Chalmers is the President and CEO of Energy Fuels, the leading U.S. producer of uranium and an emerging global player in the commercial rare earth business.  He has consulted several key industry leaders in the uranium supply sector, including BHP, Rio Tinto, and Marubeni. Chalmers holds a Bachelor of Science in mining engineering from the University of Arizona, is a registered professional engineer, and served as the Chair of the Australian Uranium Council for ten years. He holds dual citizenship in the U.S. and Australia. To set the stage for our interview, the U.S. is the largest producer of Nuclear Power (almost double China) and 24% of our enriched Uranium comes from Russia.  The U.S. has banned Russian oil and natural gas, but not Uranium.  According to the Energy Information Administration, as of 2022, 18% of U.S. energy comes from nuclear, versus 61% from fossil fuels and 21% from renewables. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166766 Exp. 12/25

Scott Fulford is a senior economist at the Consumer Financial Protection Bureau and author of The Pandemic Paradox: How the COVID Crisis Made Americans More Financially Secure.  Scott Fulford led the development of the bureau's “Making Ends Meet” surveys. His wide-ranging policy and academic research examine the economic shocks people face and how they deal with them, as well as how economies grow and develop in the long term.  Scott has a PHD in Economics from Princeton. Order Scott's new book at https://www.amazon.com/Pandemic-Paradox-Crisis-Americans-Financially/dp/0691245320/ref=sr_1_1  Learn more about Scott at https://www.consumerfinance.gov/data-research/cfpb-researchers/scott-l-fulford/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166548 Exp. 12/25    

Dave Kerpen is a serial entrepreneur, NYT best-selling author, and global keynote speaker. Through best-selling books like "Likeable Social Media" and "The Art of People," he's become a thought leader in social media marketing and relationship-building. Dave is also the owner and Co-founder of Apprentice, a platform that connects the brightest college students with entrepreneurs and business leaders to help them tackle their toughest tasks in business.  Link to Apprentice:  https://chooseanapprentice.com Link to Frank Lautenberg article:  https://www.linkedin.com/pulse/20130204172115-15077789-3-amazing-life-lessons-from-a-chance-encounter/   This epsiode is brought to you by my free newsletter, Weekly Wealthy Wisdom.  Sign up now at www.bryankuderna.com 

I reveal 15 steps to overall success in work and life.  These are noted from my personal and professional experiences, and observations from the happiest and most successful people I've collaborated with over my 15-year career. Link to Paul Graham's "How To Do Great Work":  http://www.paulgraham.com/greatwork.html This episode is brought to you by Weekly Wealthy Wisdoms, my free e-newsletter featuring my latest insights on all that matters.  Sign up now at https://lp.constantcontactpages.com/su/8HtkZbP

Damian Andrews is a renowned business consultant from Australia and the author of "Get The Cheese, Let The Other Mouse Go First".  He was a soldier in the Special Air Service Regiment of the Australian Army.  He then become a corporate recorver specialist for D'Aloia Handberg before founding his consulting business.  He also founded the Family Peace Foundation and Shair.care.  You can learn more about Damian at https://damianandrews.com/. This episode is brought to you by newsletter, Weekly Wealthy Wisdoms, in which I share my latest insights on books, documentaries, philosophy, travel, and health in less than 3 minutes every Monday!  Click the link below to join the tens of thousands of other subscribers already enjoying this freebie... https://lp.constantcontactpages.com/su/8HtkZbP    

Elaine Dezenski is the senior director and head of the Center on Economic and Financial Power at the Foundation for Defense of Democracies (FDD).  She has over two decades of leadership in public, private, and international organizations, and is a globally recognized expert and thought leader on geopolitical risk, supply chain security, anti-corruption, and national security.  Dezenski previously served as senior director at the World Economic Forum from 2010 to 2015, after which she launched LumiRisk LCC, a risk advisory practice. In 2017, she served as a senior fellow at the Jackson Institute for Global Affairs at Yale University and as a lecturer of business ethics. In 2020–2021, she served on the newly formed Chairman's Council on China Competition at the Export-Import Bank of the United States. Dezenski has held both political and career positions at the U.S. Department of Homeland Security, and senior roles at INTERPOL, Cross Match Technologies, and Siemens Corporation.  Follow Elaine Dezenski's latest research at https://www.fdd.org/team/elaine-dezenski/ This episode is brought to you by my new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold.

Britt Frank is a nationally recognized neuropscyhotherapist, trauma therapist, and expert on mental health.  She is the author of "The Science of Stuck", named the Top Creativity Book of 2022.  Britt is a graduate of Duke University and The University of Kansas, where she is currently a professor.  She is known for decoding the brain, using 3 steps to control anxiety and harness motivation. Britt Frank- https://www.scienceofstuck.com/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-163543 Exp. 10/25

Certified Financial Planner™ and host, Bryan Kuderna, discusses the end of COVID-19 related student debt relief, including 0% interest and the repayment pause. He reviews various repayment options, forgiveness plans, and the politics of higher education. Income-Driven Repayment application: https://studentaid.gov/idr/ Department of Education loan calculator: https://studentaid.gov/loan-simulator/ Fed Student Aid's PSLF employer search engine: https://studentaid.gov/pslf/employer-search PSLF application: https://studentaid.gov/pslf This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-163251 Exp. 10/25 This episode is brought to you by my new book, "What Should I Do with My Money?", available wherever books are sold.

Wendy Starland is an American singer, songwriter and music producer from Los Angeles. She has been honored by The Songwriters Hall of Fame; named VH1's Best Emerging Artist; was featured on Moby's Grammy nominated album Last Night, has performed around the world and collaborated with some of the biggest stars in music. Starland discovered and developed Lady Gaga during the recording of "The Fame", which received Billboard's Album of the Decade. Learn more at https://www.wendystarland.com/. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-162355 Exp. 10/25 This episode is brought to you by my new book, "What Should I Do with My Money?", available wherever books are sold.

David Sweet has launched columns for The Wall Street Journal, NBCSports.com, and has been a writer for the Los Angeles Times, Classic Chicago Magazine, and more.  He is the author of Three Seconds in Munich: The Controversial 1972 Olympic Basketball Final (2019) and  Lamar Hunt: The Gentle Giant Who Revolutionized Professional Sports (2010).  We cover some of sports greatest controversies and lead into a teaser for David's next potential project- gambling in sports.  Three Seconds in Munich: https://www.amazon.com/Three-Seconds-Munich-Controversial-Basketball/dp/0803299966/ref=sr_1_1 Lamar Hunt:  https://www.amazon.com/Lamar-Hunt-Gentle-Revolutionized-Professional/dp/1600783740/ref=sr_1_1 This episode is brought you by Weekly Wealth Wisdoms, my free E-newsletter delivered every Monday.  Sign up now at https://bryankuderna.com/

An examination of the tech sector's impact on the stock market decade-by-decade from the 1970's and the mainframe computer up to the Artificial Intelligence of the 2020's and beyond. For more information on the economic influence of big tech, be sure to check out Chapter 6- Tech in Bryan's new book, "What Should I Do with My Money?". This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-161935 Exp. 9/25

David Jahr is a renowned ghostwriter having worked with five New York Times best-selling authors including renowned doctors, CEOs, and pastors. He's earned an ESPY Award nomination for “Most Inspirational Sports Story of the Year” by ESPN. His most notable project is The Daniel Plan, a collaboration with Pastor Rick Warren, Dr. Oz, Dr. Daniel Amen, and Dr. Mark Hyman, which has helped thousands of people enhance their physical, and spiritual health. David's website: https://davidjahr.us/ The Daniel Plan: https://www.danielplan.com/author/david-jahr/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-61127 Exp. 9/25

Registered Index-Linked Annuities (RILA) are the fastest growing segment of the annuity marketplace.  Bryan discusses the pros and cons of these new retirement planning vehicles and their popular "buffer" feature. Individuals should review their plans on a case-by-case basis with professional assistance.  Please consult your attorney or tax advisor for specific tax or legal advice.

Tom Hall's life is a story about loss, overcoming traumatic events, and an optimistic attitude that keeps leading to the next success.  He is a former Army Ranger and Division-1 football player at Iowa State, one of only 3 veterans in the nation to play D1 football.  Tom has a BA in political science and an MA in conflict management, and has since advised many start-ups relating to intelligence, renewable energy, e-commerce, and pro sports.  He's currently pursuing his doctorate in business administration at the University of South Florida and is a program manager at Veritas Technologies.  Fans can connect with Tom through LinkedIn at https://www.linkedin.com/in/tchall18/. This episode is brought to you by my new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available in paperback, audiobook, and kindle wherever books are sold.

John Coates is a Deputy Dean and Professor of Law and Economics at Harvard Law School. He has served as General Counsel and Acting Director of the Division of Corporation Finance of the Securities and Exchange Commission (SEC), testified before Congress, and provided consulting services to the Department of Justice, Department of Treasury, and New York Stock Exchange. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-160159 Exp. 8/25   John's new book, “The Problem of Twelve:  When a Few Financial Institutions Control Everything” is now available wherever books are sold.  https://globalreports.columbia.edu/books/the-problem-of-twelve/  

Host, Bryan Kuderna, discusses how record US oil production and Electric Vehicle sales are stabilizing the price of gasoline amid inflation, Russia-Ukraine war, and China reopening their economy. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-159791 Exp. 8/25 This episode is brought to you by "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold.

Gregg Stebben is the author of 19 books, most recently, "Does Putin Have to Die?: The Story of How Russia Becomes a Democracy after Losing to Ukraine", which he co-authored with Ilya Ponomarev, a former member of the Russian Parliament. In this follow-up interview, Stebben updates us on the Russian invasion, the Wagner Group, Chinese involvement in the conflict, and how long the war might last. You can learn more about his involvement with Russia's potential replacement government, the Congress of People's Deputies, at www.rusdep.org. This episode is brought to you by my new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold.

Gregg Stebben is the author of 19 books, most recently, "Does Putin Have to Die?: The Story of How Russia Becomes a Democracy after Losing to Ukraine", which he co-authored with Ilya Ponomarev, a former member of the Russian Parliament.  In this follow-up interview, Stebben updates us on the Russian invasion, the Wagner Group, Chinese involvement in the conflict, and how long the war might last.  You can learn more about his involvement with Russia's potential replacement government, the Congress of People's Deputies, at www.rusdep.org. This episode is brought to you by my new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold.

As inflation cools to 3%, Bryan addresses where the 2% target used by most central banks originated, and what could happen if the target was lowered, raised, or removed. This episode is brought to you by Bryan's new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos".

Host, Bryan Kuderna, breaks down overall stock market performance for the first half of 2023 and economic indicators for the rest of the year. This episode is brought to you by Bryan's new book, "What Should I Do with My Money?", available wherever books are sold.

Joseph VanDusen flies among the best of the best as a former B-2 Stealth Bomber pilot. He was deployed 7 times and tallied up 139 Combat Missions on his way to being named B-2 Pilot of the Year in 2014 and winning the B-2 Aircraft Commander of the Year award in 2015. Joseph is now an entrepreneur, author, and well-known personal development speaker, in addition to flying the 787 Dreamliner for United Airlines.  His book: “Stealth Elevate” is a popular source of Leadership and Personal Development Gems forged over a career of Top Level Leadership.  Learn more at www.StealthElevation.com. This episode is brought to you by "Weekly Wealthy Wisdoms", my free newsletter featuring my latest insights of achieving well-being.  Sign up at by clicking here.  

James Barrood is one of the leaders of the east coast's innovation ecosystem. Recognized in the Power 100 and the Top 100 Influencers list, James is the founder of Innovation+ and former CEO of TechUnited. He is the author of "Entrepreneurship and Innovation: Global Insights from 24 Leaders" and co-author of "Lessons from the Great Recession". Find out more about Jim at https://innovationplus.us/advisory/. This episode is brought to you by Weekly Wealthy Wisdom. Join the tens of thousands of subscribers already enjoying my FREE weekly e-newsletter delivered to you every Monday with my latest insights on living a healthy and wealthy life! Click here to sign up https://lp.constantcontactpages.com/su/8HtkZbP

Bryan discusses his 5-Step Financial Planning Process of Protection, Liquidity, Debt Management, Wealth Creation, and Growth. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-157328 Exp. 6/25 For more information, check out Bryan's new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available at: https://www.amazon.com/What-Should-Do-My-Money/dp/1264857934/ref=sr_1_1