The Wisdom and Wealth Podcast

SummaryIn this episode, I look at the relationship between politics and the stock market. Please do not get caught up in the news cycle. You'll find that even though our current form of politics tends to be zero sum we are resilient people at the end of the day. I also provide some data about returns over time and walk through some of the events that happened over that period.  TakeawaysDon't get too caught up in the news cycle and remember to gain perspective.Politics can be idolatrous and may not have a significant long-term impact on the stock market.Diversification and long-term investing are key to navigating market fluctuations.Historical events have not significantly affected the long-term trajectory of the stock market.Chapters00:00Introduction00:58The Relevance of the News Cycle02:55The Resilience of the Nation03:24The Data on Stock Market Returns06:21Historical Events and Market Performance08:19Politics and the Market Over Time09:18Don't Make Rash Decisions09:48Conclusion Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Intangible Balance Sheet Episode with Jeremy Pryor. Jeremy shares more about his journey of integrating family, faith, and business by consciously building a multi-generational family.  We discusses the impact of mentors and the value of direct investment in the Christian community,  the significance of family meals and economic engines which foster family unity. TakeawaysIntegrating family, faith, and business is a constant endeavor that requires intentional effort.Building a multi-generational family is important for creating a lasting legacy.Direct investment and mentorship in the Christian community can have a profound impact on personal growth.Family meals and shared experiences are essential for fostering family unity.Creating economic engines within the family can draw the family together and provide opportunities for collaboration.Honoring elders, embracing storytelling, and supporting other fathers are key themes for Jeremy's vision of the future.Chapters00:00The Importance of Family and First Principles05:44The Influence of Mentors and Role Models16:59The Pivotal Moment of Shifting Perspectives on Family21:49Overcoming Roadblocks and Building a Multi-Generational Family25:51Creating a Legacy for Future Generations31:44The Importance of Family Values and Rhythms34:30Conclusion and Resources Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Thank you to Ryan Sitton for stopping by to some of his life experiences which make up his Intangible Balance Sheet. You'll hear stories of growing up amongst a household of life-long learners and educators, Father Rock, business mentors, starting his own company, running for elected office and so much more!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

What is your first memory of work? How is that memory affecting you, your kids or your grandkids? Is that perspective helpful? Do you need to move past it? Are you overlooking the purpose and meaning found in the work you are doing?  How can you positively influence this memory for those you care about? Listen in for more of my thoughts here!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

From time to time, the topic of Private Aviation will come up and often peopel will struggle knowing where to begin. Jared Hasty from Piedmont Jets stops by the podcast today to share why he is so passionate about the industry and how he guides prospective clients through the process of deciding what options are right for their situation. If you have ever considered, buying, leasing, fractional share, jet card etc. listen in for more from a trusted source!   Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to another Intangible Balance Sheet Episode. Ryan Henderson shares more about his story and the things he hopes outlive him for generations. Please listen in for more about: The Influence of Grandfathers on his view of life and work. Grandfather's advice on the importance of salesInfluence of ParentsSpiritual influence of both parents Importantance of kindness, hard work, saving, tithing, and prayerEmphasis on living within means and serving othersInfluence of the military and privilege of leadingReflection on Legacy and Eulogy Desire to be remembered as a redeemed sinner, a hard worker, a servant leader, and someone who loved others Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

How do taxes factor in to your financial plan? Many people have never given their advisor a tax return much less seen an annual tax report or estimate. Listen in this week for more of my philosophy of tax planning and why it's a central part of my process! Thank you for listening.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Intangible Balance Sheet conversation with Jim Nordhaus.  See below and listen in for more of our conversation! Jim's journey from law school to joining the family businessFinancial challenges faced during economic downturnsSelling the business to Cisco and Jim's role within the companyInvolvement in expanding Cisco into MexicoTransition to Multifoods and experiences with financial mismanagementLessons learned from various entrepreneurial venturesEmphasis on the importance of hard work, education, and ethicsJim's investment experiences and advice on financial managementReflection on family values and ancestral struggles Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Scott Bastian of Gilbert and Pardue joins me today to break down a recent white paper released by their team entitled: "5 Strategic Solutions for Middle Market Privately-Held Businesses in 2024". During our conversation we cover different trends that Scott and his team are seeing in the middle market space as well as steps business owners can take to proactively add value to their enterprise.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

One of the reoccuring gaps that we see in the market place and in people's planning is their lack of focus on their physical security and cyber security. Dale Buckner from Global Guardian Gain joins the podcast today to give an update on his view of the current security landscape.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

This week I have a great intangible balance sheet discussion with Cynthia Lynch, one of my mentors from my time at Georgia Tech! Listen in as we cover her reflections on:  The significance of experiences in shaping one's financial perspectiveImportance of grandparents in relation to the ideas of resilience and hard workParental emphasis on education and hard workPersonal experiences and pivotal moments, including her work with the YMCAMentors and influential figures Importance of curiosity and continuous learning for personal growthBeing remembered for, kindness, empathy, and helping others find happinessMaking plans in life and following the "next right thing"Listen in for more of a great conversation!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's episode where I dive into getting clear on understanding what is within your ability to control and how to put together a cashflow plan that is resiliant!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's conversation with Jim Getz! Check out below for highlights from our conversation. Thank you for joining us! A Grandfather's influenceLiberal Arts training vs business training Teaching as sales training Love at first sightLearning from mentorsHis own entrepreneurship storyContinuous improvementBoundless curiosity  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

"Predictions are hard, especially about the future" is something Yogi Bera told us a long time ago. Though we cannot predict the future, we can still prepare for the inevitable things that life with through our way. Market volatility shouldn't be a reason to keep us from making long term plans! Listen in for more today on how developing your convictions and applying understanding to present situations is the a great antidote to volatility.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Have you ever wondered if there is a better option for managing your financial life? In today I talk through what I like to call a "multi-family office" model where you receive Wealth, Investement, Tax , Estate and Philantrophic giving at one table. Check out today's episode for more on how to get more than the traditional wall street model can offer.   Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Listen in for more on why you need an investment policy statement and how it can be a generational tool for good in your family!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Intangible Balance Sheet Episode. My Guest this week is Sara Parrish. Check out our conversation for more on how the following elements all play a part in Sara's life. A diverse childhood and cultural upbringingGrandparents influence and memories of jazzHow credit score and driving responsiblity are connectedMoving to Houston and finding communityMeeting her Husband and starting life togetherGod's provision at every turnPrayer for her childrenEulogy she desires for her lifeListen in for so much more!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Many people approach "retirement" far too focused on their portfolio. Today I share why I'm not a fan of the word retirement and why I want people to use their financial independence to find purpose and meaning with their time freedom and experience. Listen in for more!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to another Intangible Balance Sheet episode. This week I'm joined by David Van Fleet. Check out below for a small portion of what our conversation covers! David reflects on the influence of family upbringing and the importance of discipline and hard work.Making the switch from engineering to management after discovering essential tremors.How David met his wife during their academic pursuits, highlighting their shared dedication to teaching.David emphasizes a thirst for knowledge, honesty, and thoughtful decision-making as principles for future generations.David shares his support for Parkinson's and cancer foundations at UCLA  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

If you have significant capital gains attached to highly appreciated stock positions in your taxable accounts and are routinely giving cash to charity... check this episode out!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Thank you to Chris Misner for joining the podcast to share from his intangible balance sheet. We dive into the below topics as well as a few others. Listen in for more! Importance of hard work, value of money, and military service from family and spouseReflects on the impact of circumstances and alternate paths in shaping one's lifeRole of a civilian pilot mentor from high school named Larryindividuals who played significant roles in his lifeHighlights faith, educational challenges, and family-related milestonesShares the story of meeting his wife in San DiegoReflects on the subsequent 25 years of marriage, family, and shared experiencesEmphasizes the daily challenges of maintaining pace in naval aviationStresses the importance of faith and a Christ-centered life for future generationsAdvocates for a life of service, selfless sacrifice, and ethical behavior Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to another Intangible Balance Sheet episode. This week Diana Lopez Andrade is our guest! Check out below for just some of the topics our conversation covers.  The impact of her great-grandmother's strength and traditions in the familyThe pivotal move to Africa and the mentorship she received from a managerTransformation and humility that motherhood brought into Diana's lifeBalancing career decisions with the responsibilities of raising childrenThe importance of hard work, integrity, and effort in achieving goalsEmphasizing compassion, community engagement, and leaving a positive markDiana envisions a eulogy highlighting her love for dancing, music, and children. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Check out this week's episode for more on Charitable Giving via the Qualified Charitable Distribution. If you are 70.5 and not using this or if you are unsure if your parents are using this, please listen in!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to another incredible Intangible Balance Sheet Conversation with Earl Crochet. There are some incredible stories inside today's episode. See below for some of the topics we cover. Enjoy! The influence of heritageImpact of family background and experiences on one's lifeEarl talks about his family's immigration history, mentioning French and Scottish sidesShares stories of how his parents met and the challenges they facedAttending 16 schools due to his father's construction workHis journey into engineering and his realization of adaptabilityThe differences between project managers and engineers, highlighting adaptabilityThe value of problem-solving in engineering and the importance of understanding the problemMeeting his wife in college, facing challengesDiscusses the importance of finding joy in stress and avoiding a sense of bitternessPursue work that makes you happy Remember your path is unique The rewards of being dependable and trustedStresses the importance of enjoying the journey and gratitudeEulogy that reflects his love for his wife, taking care of his family, and coaching and mentoring others Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

From time to time I'm asked why I love this industry. If I'm being fully transparent, it is because it reminds me of battle drill 1A or "reacting to contact”, meaning someone is shooting at you. Your response is not an accident. You train for it and envision it thousands of times. The psychological reaction to the events of life whether they are health driven or market driven are not much different. You are only as prepared as the, planning you have done, the rehearsals of that plan, and the trust you have in the person leading you. This last month marked the 14th anniversary of graduating Ranger School for me. I've shared before how my Dad always encouraged me to think ahead, but Ranger School was the first place in life where I realized that despite the obstacles in my way, that I was really good at planning ahead. Listen in for more of my reflections about the school and how those lessons apply to clients today.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Episode with Minal Santhosh! This was yet another encouraging conversation. See below for some of what we cover! - Minal shares his professional background and current role at Hewlett Packard- Emphasizes the importance of family and values.- Education and extensive experience in the United States.Family and Values:- Minal reflects on the influence of his grandparents and parents, emphasizing family values- Family importance, the significance of hard work, and doing the right thing.- Minal recalls memories of his grandmother, highlighting her strength in holding the family together.- Importance of family rituals and traditions.- Minal reflects on his wife's influence, highlighting their complementary nature. Discusses the blend of discipline and positive thinking in their household.- Minal's advice for future generations: Prioritize family and health, contribute positively to humanity, and always do the right thing.- Minal envisions being remembered as a good human being, a leader who built other leaders, and a positive example to his family.- Encourages continuous learning, embracing mistakes as opportunities for growth, having fun, seeking mentorship, leaving ego aside, and practicing kindness. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Happy Thanksgiving Everyone! Check out today's podcast for more about why I love this holiday and some of our family traditions!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's episode of Wisdom and Wealth! Check out below for an outline of today's discussion. Common mistakes in financial planning:Emphasis on retirement and portfolio return assumptionsWarning against exclusive focus on short-term gains and market volatilityAdvocacy for concentrating on factors within one's controlImportance of trust in financial planning:Building trust through understanding clients as individualsStressing the significance of beliefs and principles in the partnershipConstructing a cash flow as a critical aspect:Highlighting the importance of understanding clients' unique goals and aspirationsEvaluating tax planning alongside income requirementsThe role of cash flow in controlling market returns and optimizing tax efficiencyAvoiding common pitfalls:Caution against advisors focusing solely on returns and not understanding the clientThe value of asking in-depth questions about family, beliefs, and tax planningThe potential downside of seeking higher returns without considering cash flow efficiency Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Intangible Balance Sheet Episode with our guest, Tim Thomason. Drawing from life lessons passed down from his lineage, Tim reflects on the importance of punctuality, hard work, and grit in shaping his successful auto-detailing business. He also opens up about how, even in the face of defeat, a mentor's guiding words echoed the sentiment that our best is always enough. Listen in Tim shares about the power of faith, love, and respect in shaping a fulfilling life.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to another episode of Wisdom and Wealth! A few weeks ago my family had the opportunity to explore a rock climbing wall. As I reflected on the experience several parallels to my daily life and the lives of others came to mind. See below for points I cover! 1. Don't compare your path to those around you2. Remember to enjoy the process3. Do no stop and do not forget your principles or goals Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to another great Intangible Balance Sheet Episode from the Wisdome and Wealth Podcast. This week John McConnell joins us to share more from his intangible balance sheet. John's career is an interesting one to be sure and his family story fascinating as well.  See below for more of topics we cover! Growing up in Bayfield, Wisconsin.The influence of John's grandmother, who overcame the challenges of the Great Depression to establish her own beauty shop. The importance of initiative and how it's a defining characteristic of Americans.John shares that he was surrounded by encouragers in his early life, including his parents and teachers, which instilled in him a sense of possibility and purpose.An early interest in history and biography, including books about presidents, which shaped his love for reading.The significance of strong friendships in life and how each one can be a pivotal point in a person's journey.The qualities of encouragement and reliability as important aspects he hopes to be remembered for.Two influential individuals in his career, Mike Metcalf and Judge J. Daniel Mahoney, who exemplified integrity through their actions rather than words.He expresses his gratitude for their influence and integrity in his life and career. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

In the past few episodes, we've walked through several of the different questions that I walked through in the planning process with clients and prospective clients. I use these as an opportunity to gain a better sense of what a particular person or family might want their money to accomplish for them. Everyone has a vision. But not everyone feels emboldened to proclaim that vision. Simply put my reason for being and purpose in this this life is to help others fulfill their calling by helping them harness their financial wealth to their life's purpose. For some folks this can be a scary or intimidating task. Others may think it's a foregone conclusion, but they haven't communicated this vision or collaborated with anyone else in their family.  See below for more on today's podcast. The importance of understanding one's vision and purpose in life and helping others do the same.Focus on your heirs. Are they prepared, so that your wealth is an accelerant for good? Pass on the first principles, first! Life experiences, and stories are a great starting point. Consider a family history. Discussion about planning ahead to avoid unprepared heirs and estate taxes.Highlight of the potential changes in estate tax exemption after December 31st, 2025.Invest in the lives of heirs through experiences or opportunities.Suggestions for supporting charities, helping children or grandchildren purchase small businesses, and investing in professional development.Use your wealth as a source which allows your family to build and dream and  for the future.A personal goal of helping a great-grandchild buy a business. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's edition of Wisdom and Wealth! October is family history month and to expand on this topic, I invited Heather Nickerson from Artifcts on to the podcast to discuss how her online platform can help families capture and preserve the stories and memories. Heather has an incredible background after a successful career in government service and as an entrepreneur, but She started Artifcts after organizing her late mother's home on Cape Cod. After seven months, she was still struggling to understand the stories behind the numerous heirlooms and items the estate held. Yes some things held market value, but what about the sentimental value, “intangible value,” or instructional value of an item? This experience caused her to think through how to create a solution for families to both organize their possessions and their memories and ideas. What if you could capture the family history represented in an old photo or journal entry? Artifcts seeks to accomplish just that. As a personal example Heather shares how she has captured the stories behind an old pair of boots that she wore in Afghanistan and how she has captured the symbolism and meaning behind those boots via Artifcts! This is literally a central place for a family to capture all their audio and video and photos and share them for their family legacy.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

This week Kerry Siggins stops by the podcast to share her encouraging story. We cover resilency, the power of responsibility, the privilege of hard work  and meeting your own expectations for life.  Carrie also gives us a glimpse into her book 'The Ownership Mindset', a reflection on her philosophy about responsibility. Listen in for another great episode!   Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Have you ever evaluated your financial habits? Have you ever had anyone try to change your mind about your financial habits? Have you ever wondered how those habits compound positively or negatively over time? Check out today's podcast for more!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Intangible Balance Sheet Conversation with Kristen Porter. You will no doubt be encouraged and blessed as Kristen shares stories of her father's adoption, and the courage, determination, and resiliance which come before her. Finally listen in as Kristen shares how this heritage inspires her today to build and pass on her own legacy and family heritage.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Have you ever wondered how your personal memories of money and life experiences shape your decisions and money perceptions? Join me as I share a few of my own memories as well as why I always ask clients about their first memory of money.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's episode where we hear from Tony Kipkemboi. Tony was born in Kenya but emigrated to the United States, graduated from college, served in the military and now has a successful business career.  This is an incredible story full of life lessons and enouragement.  Thank you Tony for sharing more about your life's work which is undergirded by faith, family, hard work,  and belief.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Have you ever wished you had a healthcare advisor to assist you or your family? John Samuels, is the founder of Better Health Advisors. John has harnessed his experience as a hospital director to become a personal healthcare advisor. Today John's team at Better Health Advisors assist clients who are facing a new diagnosis, managing chronic illness, find doctors and seek better treatment.  Listen in for more about how his team's holistic and planning first approach helps clients navigate the complexity of healthcare.   Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome in to this week's Intangible Balance Sheet Episode with guest Nelson James. Nelson gives us the gift of his family story and how faith has sustained his family. You'll hear a story involving Percy Foreman, as well as personal growth and redemption. Lastly, listen in as Nelson shares with his grandchildren that the Lord never changes and will lead you regardless of your circumstances and guide your understanding.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

In today's episode I use a framework from George Kinder that I believe helps people get a clearer picture of the causes they desire their time and money to go towards personally, professionally, and philanthropically. Listen in for more!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Intangible Balance Sheet conversation. We catch up with Thomas Damsgaard, who shares his experiences coming from growing up in Denmark. You'll hear of his tie to agriculture, the importance of family, resourcefulness, hard work and so much more. Thomas shares about how he believes in building a life not of silos but of harmony.   In this conversation, he takes us through his soul-searching sabbaticals and his significant volunteer work with Habitat for Humanity, and his belief in the transformative power of giving. Listen in for an incredible story!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

In this episode I walk through why I believe viewing yourself as a steward of your wealth rather than an owner is helpful. Furthermore, I walk through why you should be preparing the next generation for the task of properly stewarding your resources while you are living! Also, I ask if there are experiences that you want to invest in while you are living and reap the experiential rewards of learning and growing right along with your heirs.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Intangible Balance Sheet Episode with guest, Lisa Schwaller, a master certified coach, who gives us a glimpse into her family's intangible balance sheet. Lisa walks us through her family's unique heritage and work principles of creating opportunities and serving others. Lisa shares a lifestyle that shaped her resilience and ability to adapt to new environments and also how her father's business experiences and her grandmother's wisdom, have become part of her intangible balance sheet.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA WEALTH ADVISOR Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Have you written your eulogy? Have you ever wondered what will be in it someday? Most people come to me asking how much money they need and how long it will last them or what kind of return it can give them in the market. But frankly, I'm more interested in helping people plan for a meaningful eulogy than I am a stout balance sheet or impressive networth statement. So join me today for a walk through the concept of asking not just how much money it takes to have time freedom...but also what will it take create a meaningful eulogy.  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Welcome to this week's Intangible Balance Sheet Episode. This week we hear from Mike Alexander. His incredible optimism and integrity shine through and his story is a testament to unwavering nobility and loyalty. Mike recounts his unique upbringing and how the principles of his Father shaped his life and values. He candidly shares how his father's teachings on loyalty, integrity, optimism, and nobility have influenced his personal and professional life even today. Listen in for more!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Imagine having the opportunity to sit down with a seasoned business coach, who has navigated numerouse business transitions and exits. Meet Chris Yonker the founder of the Center for Conscious Living and Fulfillment, a transition coach with a knack for guiding small and medium businesses through the complexities of business continuity and succession planning. In this episode Chris shares his journey from his corporate days at 3M to his current role, underscoring the value of assembling a board of advisors and fostering an atmosphere of stewardship, particularly in family-owned businesses. In this conversation we take a look at the nuanced world of family businesses, dissecting the often-overlooked aspect of identity. Aligning your personal values and principles with your role in the business, understanding your strengths, and prioritizing what truly matters in life – these are some of the gems Chris shares in this episode.  Tune in to gather insights that can reshape your perspective on business transitions and the unique dynamics of family businesses. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Listen in this week to hear portions of Joanne Marime's intangible balance sheet. She grew up in Kenya, shares her story of  coming to America despite having her visa application be denied 7 times!  You'll hear themes of perseverance and resilience and also learn more about learning to differentiate between a ‘no' and a ‘wait', You wont want to miss this incredible story!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Join us on a captivating conversation with our guest, Ellen Goodwin, co-founder of Artifcts. Ellen brings a fresh perspective to a piece of estate planning and is breathing life into an often-overlooked aspect of our lives. Artifacts, her innovative online platform, serves as a means capturing cherished possessions and the stories they embody. Listen in for more about how the everyday items can be preserved via Artifacts— from a grandfather's voice message to his descendants to a recipe card, or even jewelry and collectors items. We delves into how understanding the value of our prized possessions is crucial for tax and planning purposes, and how Artifacts makes this process seamless. Beyond that, Ellen shares how the platform has the ability to preserve and share precious stories privately with loved ones, and even get a free valuation from heritage auctions. Towards the end of our talk, Ellen emphasizes the importance of preserving our legacies and memories, reminding us that true wealth is far beyond material possessions. Listen in!  Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

In this Intangible Balance Sheet Episode, Josh interviews Jim Crump, a health insurance agent and resident of LaGrange, Georgia. Jim shares his background and highlights the importance of family in his life. He mentions that his grandparents instilled important attributes, such as love of country, dedication to duty, and helping others, which he continues to carry forward.The conversation delves into the influence of Jim's community, centered around church activities, where families looked after each other, creating a strong sense of safety and support. Jim shares some of his guiding principles, which revolve around his faith in God and Jesus Christ. He believes that loving God and one's neighbors is paramount and encompasses all other ethical principles.Jim shares a life-changing decision he made around 10 years ago when he left corporate America because he felt compelled to manage people in a way that contradicted his principles. This decision led him to pursue self-employment and allowed him to help others while finding fulfillment in his work.The podcast concludes with Jim's ethical will, emphasizing the importance of leaning on a higher power, living a life to be proud of, and supporting and loving one's family. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Have you ever wondered why you should question an advisor's low fees or why their actual retirement plan matters to you? An insightful analysis of the financial advice industry awaits you in this episode, as we pull back the curtain and reveal some of the main factors which truly drive quality advice. Are you partnering with or considering partnering with an advisor running a margin or a volume based business? How do you know the difference?    Instead of viewing your advisory fees as a cost, why not view them as what they actually are: An investment in your future wellbeing.  Feel free to engage with us as we share insights on finding an advisor who's genuinely invested in your success, one offering intimate, curated, and differentiated advice that transcends the present problem set you are facing. Don't just choose an advisor for today's problem; choose an advisor who truly aligns with your long-term vision for your family. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com