Podcasts about chartered financial consultant chfc

When Omar Morillo talks about wealth management for entrepreneurs, he focuses on one core idea: reducing lifetime tax drag across income, investments, business operations, and eventual liquidity events. The earlier owners start planning, the more options they have. In this episode of the DealQuest Podcast, Corey Kupfer sits down with Omar Morillo, founder of Imperio Wealth Advisors, to discuss what sophisticated pre-exit planning actually looks like for business owners preparing for major liquidity events. Omar breaks down the three levels of tax-aware investing, from simple ETF investing to direct indexing and long-short strategies designed to generate capital loss carryforwards for future gains. He explains why many of the best planning opportunities disappear once an LOI is on the table and why advanced preparation matters. The conversation also explores estate planning, donor advised funds, PPLI structures, and the risks of “flavor-of-the-month” tax strategies that are often oversold to entrepreneurs. Corey and Omar also discuss the emotional side of exits, including why many founders struggle with identity and anxiety after selling the business that defined their lives for years. This episode is packed with practical insights for entrepreneurs thinking about exits, recapitalizations, succession planning, or long-term wealth strategy. WHAT YOU'LL LEARN Why reducing lifetime tax drag requires planning years before an exit The differences between ETF investing, direct indexing, and long-short strategies How carry-forward capital losses may help offset future gains Why estate planning and liquidity planning matter before a sale The risks and realities of structures like PPLI and QSBS Why founders often struggle emotionally after successful exits OMAR'S JOURNEY Omar Morillo originally planned to become an airline pilot before eventually finding his way into wealth management. Today, he is the founder of Imperio Wealth Advisors, where he advises entrepreneurs and families on tax strategy, liquidity planning, investments, and long-term wealth management. He approaches advisory work through what he calls an “agnostic lens,” focusing on the right strategy for the client rather than attachment to any single product or structure. FOR MORE ON THIS EPISODE https://www.coreykupfer.com/blog/omarmorillo FOR MORE ON OMAR MORILLO LinkedIn: https://www.linkedin.com/in/omarmorillo/ Company: https://www.imperiowealthadvisors.com FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where entrepreneurs and business leaders share insights, challenges, and success stories around deal-driven growth strategies. The show covers mergers and acquisitions, capital raising, strategic alliances, joint ventures, succession planning, and more. Episode Highlights with Timestamps [00:03:00] - Omar's background and accidental entry into wealth management [00:09:15] - The four layers of lifetime tax drag [00:16:40] - Why pre-exit planning must begin years before an LOI [00:22:10] - The three levels of tax-aware investing [00:30:45] - Direct indexing versus long-short strategies [00:38:20] - PPLI structures and investor control concerns [00:45:50] - The Miami Dolphins estate planning example [00:50:15] - Donor advised funds and charitable planning [01:02:00] - Omar's definition of freedom and legacy Guest Bio Omar Morillo is the founder of Imperio Wealth Advisors, a boutique wealth management firm serving entrepreneurs, business owners, and families navigating liquidity events, tax strategy, investment management, and long-term financial planning. He is a Certified Financial Planner (CFP), Accredited Investment Fiduciary (AIF), and Chartered Financial Consultant (ChFC). Omar specializes in helping clients reduce lifetime tax drag through coordinated strategies involving portfolio management, estate planning, charitable planning, and pre-exit structuring. His clients are typically entrepreneurs and business owners with substantial wealth concentration and upcoming liquidity events. Host Bio Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast.Related Episodes Dave Hersh: Founder Identity and the Emotional Impact of Exits DealQuest Wealth Management Series with RIA Industry Acquirers Tom Dillon: Understanding Business Valuation and Exit Planning Realities Keywords/Tags pre-exit tax planning, wealth management for entrepreneurs, direct indexing, long-short investing, PPLI, private placement life insurance, donor advised funds, estate planning, liquidity event planning, tax-aware investing, founder psychology, business exits, capital gains planning, ILIT, QSBS, entrepreneur wealth strategy

In Episode 80 of Harnessing Your Wealth, Billy and Shaun Peterson sit down with John Diehl, Senior Vice President of Applied Insights at Hartford Funds, to discuss one of the most emotional and important conversations families will face—caring for aging parents. Drawing from his work with the MIT AgeLab, John shares practical insight into recognizing early warning signs of aging, navigating difficult family conversations, and planning for future care before a crisis occurs. The discussion explores the emotional and financial realities of caregiving, the importance of preserving dignity and independence, and why avoiding these conversations can create lasting stress and conflict for families. The episode also dives into topics such as long-term care costs, fraud targeting seniors, powers of attorney, family wealth transfer, and the importance of passing down not only assets—but values, wisdom, and legacy. Through personal stories and real-life client experiences, Billy, Shaun, and John highlight how financial planning has evolved far beyond investments into helping families prepare for life's most difficult transitions. Takeaways Aging conversations are difficult, but avoiding them often creates greater emotional and financial stress later. Families should begin discussing caregiving, health concerns, and future wishes before a crisis occurs. Early warning signs of aging can appear gradually and may impact driving, finances, memory, and daily routines. Preserving dignity and independence is one of the most important parts of caring for aging parents. Financial planning today involves much more than investments—it includes family communication, caregiving preparation, and legacy planning. Long-term care costs can significantly impact retirement and family finances if not planned for early. Powers of attorney, healthcare directives, and estate planning documents are essential for every family. About our Guest:  John Diehl has been with The Hartford and Hartford Funds for more than 30 years. He's a Certified Financial Planner (CFP®) and also holds Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®) designations. As Senior Vice President of Applied Insights, John leads Hartford Funds' research efforts with the MIT AgeLab as well as other thought leaders. He oversees a team of industry experts who translate this research into actionable ideas for financial professionals and their clients across the U.S. John's views on the future of retirement planning have been published in the Wall Street Journal, Financial Planning magazine, and other publications, and he's been a featured guest on CNBC and Bloomberg Television. John also hosts the Hartford Funds' newly reimagined Human-centric Investing Podcast. Connect with John Diehl:  Human-centric Investing Podcast LinkedIn Hartford Funds  Resources & Previous Episodes of Interest: Real Stories of Fraud and Embezzlement – Part 2 (Ep. 46) Real Stories of Fraud and Embezzlement (Ep. 45) Investor Insights: The Current Market Mania (Ep. 30) Connect with Billy Peterson: Peterson Wealth Services: Billy Peterson LinkedIn: Billy Peterson Facebook: Peterson Wealth Services Instagram: Peterson Wealth Services YouTube: Peterson Wealth Services billy@petersonws.com 801-475-4002  Books by Billy Peterson can be purchased here Connect with Cade Peterson:  Peterson Wealth Services: Cade Peterson  LinkedIn: Cade Peterson cade@petersonws.com 801-475-4002 Connect with Shaun Peterson:  Peterson Wealth Services: Shaun Peterson LinkedIn: Shaun Peterson shaun@petersonws.com 801-475-400 This presentation is for informational and educational purposes only and should not be construed as individualized investment advice or a recommendation of any particular security, strategy, or investment product. The views and opinions expressed by the guest speaker are solely their own and do not necessarily reflect those of Peterson Wealth. The guest speaker is not affiliated with Peterson Wealth,  and Peterson Wealth does not endorse or guarantee the accuracy of third-party information.  The guest is not paid compensation for their participation; however, he/she may receive a non-cash gift from the firm.   Peterson Wealth is a registered investment advisor with the SEC. Registration does not imply a certain level of skill or training. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal. Any examples or illustrations used in this presentation are hypothetical in nature and for demonstration purposes only. You should consult with your personal financial, tax, or legal advisor before making any investment decisions.

In this episode of the RIA Edge Podcast, host David Armstrong speaks with Randy Morris, founder and CEO of Summit Wealth Group, about the firm's transition from a long-standing broker/dealer affiliate to launch its own independent RIA platform. He explains how the decision was shaped by a desire for greater autonomy, improved client experience and long-term growth potential. Randy also shares how leadership structure, internal ownership and a minority capital partnership are helping guide the firm forward, along with how digital marketing, acquisitions, expanded services and technology are each playing a role in building the next phase of the business. Key takeaways: What drove the firm's leaders to leave a 20-year tenure as a hybrid affiliate of an independent broker/dealer to launch “Summit 2.0” as a fully independent RIA The succession calculations that fueled many of the structural changes Summit made in recent years The importance of organic growth and how Summit has landed some of its largest clients via SEO and Google What drives the firm's M&A strategy, and the types of firms it is looking to add to the mix in the future How Summit executives decided on an executive organizational structure to formalize and streamline decision-making processes, and how they deliberately created internal career pathways for employees The reasons the firm accepted an investment from Constellation Wealth, beyond simply access to operating capital How the firm feels about balancing unified branding with localized identities for its geographically diverse advisors Resources: Listen to the RIA Edge Podcast on Wealth Management Listen and Subscribe to the RIA Edge Podcast on Apple Podcasts Listen and Subscribe to the RIA Edge Podcast on Spotify Connect With David Armstrong: Wealth Management LinkedIn: Wealth Management LinkedIn: David Armstrong Twitter: David Armstrong LinkedIn: Informa Connect With Randy Morris: LinkedIn: Randy Morris LinkedIn: Summit Wealth Group Website: Summit Wealth Group About Our Guest: Randy Morris' early career helped prepare him as a financial planning pioneer. After graduating from the University of Colorado in 1982 with a degree in business and organizational management, he worked for two years as Vice President of Executive Economic Services, Inc., in Denver, Colorado. In 1985, Randy founded Executive Financial Planning, Inc. (EFP), one of Mississippi’s first financial planning firms. In 2002, he created Summit Wealth Group (SWG) out of a desire to provide additional wealth management services for clients. Randy serves as the firm’s CEO. In March 2025, Summit Wealth Group, LLC, registered with the SEC as a registered Investment Advisor and filed notice with six states.  Peers in the financial industry have recognized Randy's skills and accomplishments by electing him as a past President of the Mississippi Chapter of the Financial Planning Association (FPA). Randy is a Chartered Financial Consultant (ChFC-1985), and a CERTIFIED FINANCIAL PLANNER® Practitioner (1987). He is also a Registered Representative, an Investment Adviser Representative, and a Registered Securities Principal. Additionally, he has assisted the CFP® Board of Examiners as an exam reviewer.  Randy has served on numerous boards, including Barge Timberlands International, Camp Lake Forest Ranch, Southeast Regional Committee for Young Life, Military Community Youth Ministries (MCYM), and the World Vision Leadership Council. Randy lives with his wife, Nancy, in Scottsdale, Arizona, where they attend Scottsdale Bible Church. They have six children: Joy, Jesse, Hannah, Scott, Randy, and Ryan, as well as 12 grandchildren. Randy's accolades include being recognized by Forbes Magazine in each of the past 8 years, making its “Best-In-State Wealth Advisors” list for the state of Arizona. 

In Episode 18 of the Finish Big Podcast, host Mark Dorman welcomes financial services veteran Rick Scruggs, founder of Financial Designs in Lynchburg, Virginia. Rick's journey into financial planning was shaped by tragedy. When his father passed away unexpectedly just days before ERISA legislation would have secured a lifelong pension for his mother, Rick experienced firsthand the importance of financial preparedness. That defining moment ignited a lifelong mission: helping business owners protect what they build. Since founding Financial Designs in 1983, Rick has worked with over 100 private and family business owners and more than 300 legacy families. His approach blends strategic thinking, financial clarity, succession planning, and deep questioning — helping entrepreneurs create abundant futures while ensuring they have time to enjoy them. This episode explores mortality, mindset, business continuity, leadership responsibility, and why thinking deeply may be the most powerful business tool of all. Mark and Rick discuss: The Christmas Eve Turning Point – Losing his father and discovering the power of life insurance. The ERISA Timing Lesson – How six days changed a family's financial future. The Chief Mentor Story – Why "Are you coachable?" changed Rick's life. 5:00 a.m. Discipline – Discovering the other 5 o'clock. Building Financial Designs (1983) – Walking away from a minority partnership to build independently. Calling on Owners Early Morning – How 5–7 a.m. meetings built a B2B practice. Breaking Down Silos – Installing "windows" between advisors. The 10X Question Framework – Revealing the hidden magnitude of a business owner's future. 359 Degrees – Identifying the leakage point in financial strategy. Thinking as a Leadership Discipline – Why breathing and thinking are equally non-negotiable. Connect with Mark Dorman: Succession Plus US LinkedIn: Mark Dorman LinkedIn: Succession Plus Facebook: Succession Plus (330)-416-9271 mdorman@succession.plus About the Guest: Rick Scruggs is the founder and president of Financial Designs, established in 1983 in Lynchburg, Virginia. He specialises in business continuity, succession planning, transition strategy, 401(k) design, executive compensation, and legacy planning for private and family businesses. Rick holds professional designations including Certified 401(k) Professional (C(k)P), Chartered Financial Consultant (ChFC), and Chartered Life Underwriter (CLU). He is also the author of What's Wrong with My Thinking?, a reflective leadership book focused on mindset, clarity, and intentional growth. Rick currently works with over 100 private business owners and more than 300 legacy families.

Send a textOn this episode of the Get Ready Before Life Happens Podcast, I spoke with Brandon Lovingier, Founder of Military Money, about the tactics financial predators use and how military members (and all of us) can stay one step ahead.Key Takeaways:

Guest:Edward (a.k.a. Scooter) F. Thomas IIITitle: Financial AdvisorAUM: ~$250MWebsite: https://savantwealth.com/employee/scooter-thomas/Bio:As a CERTIFIED FINANCIAL PLANNER® professional, Chartered Special Needs Consultant® (ChSNC®), and Chartered Financial Consultant® (ChFC®), Scooter is knowledgeable in all areas of financial planning, including wealth transfer and philanthropy, proactive income and estate tax planning, retirement cash flow projections, retirement income optimization, insurance needs analyses, debt management, and education funding.Scooter has been involved in the financial services industry since 2017. He was an associate advisor with Bridgeworth until it joined with Savant in 2023. Prior to joining Bridgeworth, Scooter served as an officer in the U.S. Marine Corps and then transitioned to the reserve forces.While serving our country, Scooter was awarded the Navy and Marine Corps Commendation Medal and the Navy and Marine Corps Achievement Medal. In 2021, he was recognized by the Birmingham Business Journal as a Veteran of Influence.Scooter maintains his affiliation with the Marine Corps Reserve and serves as a Regional Air Defense Policy Planner on the Aviation Expeditionary Enabling team at the Pentagon. He is a member of the Monday Morning Quarterback Club and the Alabama Veterans Memorial Park Board, serves as president of the Birmingham chapter of the Hampden-Sydney Alumni Club, and is the board finance chair for the Birmingham Committee on Foreign Relations..Scooter earned a bachelor of arts degree in religious studies (Islam) from Hampden-Sydney (VA) College.Scooter and his wife Megan happily reside in Mountain Brook with their daughter Evie, son Franklin, and two dogs, Lettie and Macy.DisclaimerThis discussion is intended to provide general information. Please consult your financial professional for guidance on your unique situation before implementing any of the ideas presented. Savant Wealth is a registered investment advisor with the SEC. Visit www.savantwealth.com for more information about our firm.

Guest:Mark DiGiovanni is founder and president of Marathon Financial Strategies Inc.Website:https://www.marathon-forthelongrun.com/Bio:-Runner since 1969-BS in 1975-Middle school teacher 1976-1980-Married since 1983-MBA in 1987-Passed CPA exam in 1988-Episcopalian since 1989-Father since 1989-Founded Marathon in 1995-Certified Financial Planner (CFP) since 1997-Chartered Financial Consultant (ChFC) since 1997-CFP Ambassador since 2010-Named a Five-Star Wealth Manager by Atlanta magazine last thirteen years (click here for details)-Board member of Episcopal Community Foundation since 2017-Member of AARP's Executive Council since 2018-Wrote seven books in ten years. (See Mark's Books-Free to You page.)

Frank Campbell is one of California's elite licensed independent insurance analysts, holding Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations. With over 30 years of experience, Frank has built a reputation for uncovering hidden risks—finding that 88% of the life insurance policies he reviews have critical issues most people never notice. As the founder of Stratus Financial Partners, Frank provides independent, unbiased life insurance policy audits. He doesn't sell insurance; he empowers families and business owners to truly protect their loved ones, legacy, and business interests. Frank is also the author of “How to Do a Proper Policy Review: No Beneficiaries Left Behind” and a sought-after speaker. He is known for simplifying complex topics and helping clients achieve real peace of mind. You can learn more about Frank's services on his company website: https://stratusfp.com/. You can also connect with Frank on LinkedIn: https://www.linkedin.com/in/frank-m-campbell-clu-98b91040/ Be sure to check out Frank's book - “How to Do a Proper Policy Review: No Beneficiaries Left Behind” on Amazon.com or you can take advantage of a FREE GIFT that Frank has offered to listeners. Go to https://stratusfp.com/freebook ******************************************** Want to learn how to attract, hire, and retain top-tier employees? Interested in learning how to scale your business to increase revenue and profit while working less? Then join my Business Success Mastermind group. A new cohort is starting. Now accepting applications: https://ib4e-coaching.com/mastermind ******************************************** Please support this podcast: https://ib4e-coaching.com/podinfo #leadership #leadershipcoaching #business #success #jfrankcampbell #insurance #peaceofmind #ib4ecoaching ******************************************** If you like this podcast, consider supporting the effort. Every little bit helps. Thanks.

Struggling with diverticulitis and wondering how to eat without triggering flare-ups? In this episode, I talk with Delores Clemons about the diverticulitis diet and how the right food choices can calm your gut, reduce inflammation, and support healing. You'll learn: What the diverticulitis diet is and why it matters The best foods to eat during a flare-up Which foods to avoid to prevent future episodes How to safely transition from a low-fiber to high-fiber diet Tips for long-term gut health and sustainable lifestyle changes Whether you're newly diagnosed or have been living with diverticulitis for years, this episode will give you practical, science-backed steps to feel better and take charge of your digestive health. Tune in and discover how a personalized diverticulitis diet can help you thrive, not just survive. From her dynamic beginnings in real estate sales to her pivotal role as a Business Analyst at Dun & Bradstreet, Delores Clemons has always been a trailblazer in the world of insurance and beyond. As the President and Lead Agent of the Delores Clemons State Farm Agency for over two decades, she expertly navigated the agency through shifting regulations and economic landscapes, crafting innovative strategies that ensured compliance and propelled sales. Her unwavering commitment to safety shone through as she volunteered for initiatives promoting safe driving and home safety. In 2020, armed with experience and passion, Delores relocated across the country, assuming the role of Sales Leader at State Farm, where her leadership propelled her team to the #1 sales position among 80 territories—a testament to her transformative impact in the Southwest Valley. Beyond her remarkable accomplishments, Delores is dedicated to women's health, education and community engagement, serving on advisory boards at Grand Canyon University and having spent six years influencing positive change as a Board Member for the Solid Rock Community Development Corporation. With prestigious qualifications such as Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU), along with an active role in mentoring through Alpha Kappa Sorority Inc., Delores is not just shaping the future of sales—she's inspiring the next generation of leaders while creating safe, thriving communities. Learn more about her, connect with her and get a free consultation by going to http://clemonsdeloresbooks.com Website for this podcast: http://autoimmunerehab.com My wellness membership: http://essentialwellnesscircle.com Watch the video of this podcast on my youtube channel: https://youtube.com/c/annalaurabrownhealthcoach      

Born and raised in Fort Wayne, Indiana, Dave Barr moved to Washington State in his late 20s and is the Founder/CEO of Barr Asset Management. Dave started his career in the financial industry at age 24 working in an agency and then transitioned as an independent practitioner in his 30s. His entry into the field began with a desire to do proper planning & financial management for himself. This led to the thought that perhaps others could use some help as well.Dave has served clients, their families and their businesses since 1980. His professional acumen has led clients to describe him with words such as: “integrity”, “kind & caring”, “sound & timely advice” and “a man that I'd trust daily with my personal checking account”. Although a solo practitioner, Dave believes that Barr Asset Management must be bigger than, more than just himself. As a result, his professional development has been enhanced by a collaboration with other advisors across the United States:Dave is a Registered Investment Advisor representative holding a Series 65 license which allows him to manage investments and provide one-stop financial services to his clients across the Pacific Northwest and several other regions in the U.S. Early in his career, Dave received the Chartered Life Underwriter (CLU) designation conferred by The American College and is currently enrolled in studies for the Chartered Financial Consultant (ChFC) designation.Dave and his wife, Sarah have been married for 30 years, they have 10 children and, presently, 14 grandchildren. Much of their life revolves around spending time with and enjoying their family. They attend New Heights Church in Richland, WA where Dave also serves as an elder. Additionally, Dave enjoys trekking to the outdoors to backpack, camp, fish & hunt.Learn more: http://www.retirewithbam.com/Investment advisory services offered through Tucker Asset Management LLC, an SEC Registered Investment Advisor. Barr Asset Management and Tucker Asset Management are unaffiliated entities.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dave-barr-founder-of-barr-asset-management-discussing-fears-about-retirement-planning

Born and raised in Fort Wayne, Indiana, Dave Barr moved to Washington State in his late 20s and is the Founder/CEO of Barr Asset Management. Dave started his career in the financial industry at age 24 working in an agency and then transitioned as an independent practitioner in his 30s. His entry into the field began with a desire to do proper planning & financial management for himself. This led to the thought that perhaps others could use some help as well.Dave has served clients, their families and their businesses since 1980. His professional acumen has led clients to describe him with words such as: “integrity”, “kind & caring”, “sound & timely advice” and “a man that I'd trust daily with my personal checking account”. Although a solo practitioner, Dave believes that Barr Asset Management must be bigger than, more than just himself. As a result, his professional development has been enhanced by a collaboration with other advisors across the United States:Dave is a Registered Investment Advisor representative holding a Series 65 license which allows him to manage investments and provide one-stop financial services to his clients across the Pacific Northwest and several other regions in the U.S. Early in his career, Dave received the Chartered Life Underwriter (CLU) designation conferred by The American College and is currently enrolled in studies for the Chartered Financial Consultant (ChFC) designation.Dave and his wife, Sarah have been married for 30 years, they have 10 children and, presently, 14 grandchildren. Much of their life revolves around spending time with and enjoying their family. They attend New Heights Church in Richland, WA where Dave also serves as an elder. Additionally, Dave enjoys trekking to the outdoors to backpack, camp, fish & hunt.Learn more: http://www.retirewithbam.com/Investment advisory services offered through Tucker Asset Management LLC, an SEC Registered Investment Advisor. Barr Asset Management and Tucker Asset Management are unaffiliated entities.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dave-barr-founder-of-barr-asset-management-discussing-fears-about-retirement-planning

Born and raised in Fort Wayne, Indiana, Dave Barr moved to Washington State in his late 20s and is the Founder/CEO of Barr Asset Management. Dave started his career in the financial industry at age 24 working in an agency and then transitioned as an independent practitioner in his 30s. His entry into the field began with a desire to do proper planning & financial management for himself. This led to the thought that perhaps others could use some help as well.Dave has served clients, their families and their businesses since 1980. His professional acumen has led clients to describe him with words such as: “integrity”, “kind & caring”, “sound & timely advice” and “a man that I'd trust daily with my personal checking account”. Although a solo practitioner, Dave believes that Barr Asset Management must be bigger than, more than just himself. As a result, his professional development has been enhanced by a collaboration with other advisors across the United States:Dave is a Registered Investment Advisor representative holding a Series 65 license which allows him to manage investments and provide one-stop financial services to his clients across the Pacific Northwest and several other regions in the U.S. Early in his career, Dave received the Chartered Life Underwriter (CLU) designation conferred by The American College and is currently enrolled in studies for the Chartered Financial Consultant (ChFC) designation.Dave and his wife, Sarah have been married for 30 years, they have 10 children and, presently, 14 grandchildren. Much of their life revolves around spending time with and enjoying their family. They attend New Heights Church in Richland, WA where Dave also serves as an elder. Additionally, Dave enjoys trekking to the outdoors to backpack, camp, fish & hunt.Learn more: http://www.retirewithbam.com/Investment advisory services offered through Tucker Asset Management LLC, an SEC Registered Investment Advisor. Barr Asset Management and Tucker Asset Management are unaffiliated entities.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dave-barr-founder-of-barr-asset-management-discussing-achieving-peace-of-mind-in-retirement

Born and raised in Fort Wayne, Indiana, Dave Barr moved to Washington State in his late 20s and is the Founder/CEO of Barr Asset Management. Dave started his career in the financial industry at age 24 working in an agency and then transitioned as an independent practitioner in his 30s. His entry into the field began with a desire to do proper planning & financial management for himself. This led to the thought that perhaps others could use some help as well.Dave has served clients, their families and their businesses since 1980. His professional acumen has led clients to describe him with words such as: “integrity”, “kind & caring”, “sound & timely advice” and “a man that I'd trust daily with my personal checking account”. Although a solo practitioner, Dave believes that Barr Asset Management must be bigger than, more than just himself. As a result, his professional development has been enhanced by a collaboration with other advisors across the United States:Dave is a Registered Investment Advisor representative holding a Series 65 license which allows him to manage investments and provide one-stop financial services to his clients across the Pacific Northwest and several other regions in the U.S. Early in his career, Dave received the Chartered Life Underwriter (CLU) designation conferred by The American College and is currently enrolled in studies for the Chartered Financial Consultant (ChFC) designation.Dave and his wife, Sarah have been married for 30 years, they have 10 children and, presently, 14 grandchildren. Much of their life revolves around spending time with and enjoying their family. They attend New Heights Church in Richland, WA where Dave also serves as an elder. Additionally, Dave enjoys trekking to the outdoors to backpack, camp, fish & hunt.Learn more: http://www.retirewithbam.com/Investment advisory services offered through Tucker Asset Management LLC, an SEC Registered Investment Advisor. Barr Asset Management and Tucker Asset Management are unaffiliated entities.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dave-barr-founder-of-barr-asset-management-discussing-achieving-peace-of-mind-in-retirement

The military retirement is one of the best benefits in the world... but is it worth the cost in years of your life? Summary: How is military retirement pay calculated Military retirement can be worth at least $1,500,000! Benefits for military retirees Intangible benefits of military service What veterans miss about the military after retirement Links: Enlisted Money @enlistedmoneyguy on Instagram Brandon's blog post- Is Doing 20 Years in the Military Worth it? past episodes w/ Brandon include: ep 96- Enlisted Money Basics ep 128- Continuation Pay ep 143- DCFSA Brandon Lovingier, ChFC®, MQFP®, joined the Army right out of high school and has served over 19 years. He wasn't always good with money, but now his family is debt-free and building wealth. He established Enlisted Money to help enlisted service members avoid his mistakes. He earned his Chartered Financial Consultant – ChFC® designation in 2022 and Military Qualified Financial Planner – MQFP® in 2023. He received The American College of Financial Services NextGen Financial Professional Award for 2024. He's spoken at MilMoneyCon and loves mentoring other service members on their own financial freedom journey. For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Health Savings Accounts, better known as HSAs, can be a powerful tool for saving money and reducing your taxes, but they're often misunderstood, especially in the military community, where eligibility can get tricky. If you've ever been confused about how HSAs work, who qualifies, or how they compare to Flex Spending Accounts and TRICARE, you're not alone. In this episode, military spouse and financial expert, Desiree Kaul, breaks everything down. You'll learn what makes HSAs unique, how they can fit into your savings plan, and what military families should know when transitioning out of service or choosing civilian health plans.  Desiree is a CERTIFIED FINANCIAL PLANNER, Chartered Financial Consultant (ChFC®), Chartered Special Needs Consultant (ChSNC®), Military Qualified Financial Planner (MQFP®), and an Accredited Financial Counselor (AFC®). She has experience in financial counseling, planning, and education, including previous work as a Personal Financial Counselor, educating service members on various financial topics. In 2024, Desiree launched her own virtual practice, Kaul Financial Solutions, offering tax preparation, tax planning, and hourly financial advice. In addition, she assisted in the launch of a new mentorship program with The American College of Financial Services to help military, veterans and spouses successfully transition to a career in financial services. https://milmo.co/podcast/what-military-families-should-know-about-hsas For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook  

Join us for a powerful conversation about women, wealth, and wielding your influence! Today, certified financial planner Sherry Finkel Murphy, founder of MadrinaMolly, shares with us how she's revolutionizing how women approach their finances and futures. We talk about the cultural narratives, understand the intricacies of risk and opportunity, and learn how to leverage your unique strengths to build a secure and impactful financial legacy. This isn't just another money talk; it's about stepping into your power and creating the future you truly desire. This week's episode 166 of How Women Inspire Podcast is about financial wisdom and building a secure future! In this episode of How Women Inspire Podcast, Sherry Finkel Murphy is sharing the importance of beginning to learn about the details of your financial life at any age and actionable steps you can take right now to handle your money responsibly and plan for your future. Sherry Finkel Murphy is Founder and CEO of MadrinaMolly, LLC, a content community and platform that creates and distributes financial and longevity planning education through powerful storytelling. Sherry is a CERTIFIED FINANCIAL PLANNER® Professional (CFP®,) Chartered Financial Consultant® (ChFC®,) and Retirement Income Certified Professional® (RICP®.) With 40+ years in multiple successful careers, she excels in helping clients fund both retirement and continuous reinvention. Focusing on a cohort of (mostly) women from 40s to 70s, Sherry delivers financial and longevity planning education in easy-to-understand language.Some of the talking points Julie and Sherry go over in this episode include:Balancing risk and safety in your finances using a pie analogy.Automating your savings and investment contributions to ensure consistent growth.The role of community and affinity groups in supporting women's financial education and success.The benefits of investing in venture through a self-directed Roth IRA.Thank you for listening! If you enjoyed this episode, take a screenshot of the episode to post in your stories and tag me!  And don't forget to follow, rate, and review the podcast and tell me your key takeaways!Learn more about How Women Inspire at https://www.howwomenlead.com/podcast CONNECT WITH SHERRY FINKEL MURPHY:LinkedInWebsiteMadrinaMolly™CONNECT WITH JULIE CASTRO ABRAMS:LinkedIn - JulieHow Women LeadHow Women InvestHow Women GiveInstagram - HWLLinkedIn - HWLFacebook - HWL

Is term life insurance the right choice for you? Find out in this episode as our guest, Lawrence Keller joins us to discuss term life insurance and break down: ✅ What term life insurance is & how it works. ✅ The key differences between term and whole life insurance. ✅ Why some choose term over whole life. ✅ The different types of term policies (fixed, increasing, decreasing, annual renewable). ✅ The benefits of term life insurance. ✅ Whether young doctors really need life insurance. Lawrence B. Keller is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Physician Financial Services, a company dealing exclusively with the financial needs and concerns of members of the medical profession. Mr. Keller has spent the last thirty three years providing insurance and investment products and services to resident, fellow and attending physicians. These include, but are not limited to, disability income insurance, life insurance, and investments. Mr. Keller represents many well-respected companies in the financial services industry, which allows him the flexibility to provide unbiased advice and help recommend products that best suit each individuals needs and concerns. Recognizing that a physician's time is limited, and in an effort to remain knowledgeable to provide the most value to his clients, Mr. Keller has obtained his CFP® certification as well as earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU) and Life Underwriter Training Council Fellow (LUTCF) designations.   This episode is sponsored by St John Associates. St. John Associates is a physician recruiting firm that was recommended to us by one of our listeners. They've been around for over 33 years, matched thousands of physicians with healthcare employers across the country, and their services are completely free to job seeking physicians. Their orthopedic surgery team, one of the top national recruiting teams in the ortho market, has over 18 years of experience and hundreds of matches in all ortho subspecialties. Visit them at StJohnJobs.com/Ortho to get started with your completely free orthopedic job search today. Following that link will let them know that you found them through us.

This week Ivy Slater, host of Her Success Story, chats with her guest, Sherry Finkel Murphy. The two talk about the innovative subscription model at Madrina Molly, the essentials of financial planning, and the practice of radical flexibility in balancing personal and professional life.  In this episode, we discuss: How Sherry Finkel Murphy transitioned from selling her financial planning practice to building a new platform called Madrina Molly, aimed at empowering women with financial and longevity planning education. Why Sherry chose to create a subscription model for Madrina Molly, focusing on democratizing access to financial planning education and support for women who may not have access to traditional financial advisory services. The challenges faced by women in achieving financial education and overcoming industry-related biases that suggest they are doing financial planning wrong. How the dynamics of living in a world with four or five generations contemporaneously affects family relationships and financial planning, emphasizing the continued involvement of grandparents. The whole new way of thinking about retirement, introducing Sherry's "year of not saving" idea – basically encouraging folks to live life now and not just stockpile for the future.      Sherry Finkel Murphy, CFP®, RICP®, ChFC® is the Founder and CEO of Madrina Molly™, which provides insights and education for women who are actively designing their second 50 years. Sherry highlights the reality of the "Triple-Decker Club Sandwich Generation," where women balance caring for aging parents, supporting adult children, and planning for their own financial futures.   She is passionate about helping professional women redefine the phase after work. As a Certified Financial Planner® (CFP®), Chartered Financial Consultant® (ChFC®), and Retirement Income Certified Professional® (RICP®), Sherry draws on her extensive expertise and personal experience to update the old retirement narratives, emphasizing creative multigenerational solutions, financial resilience, and the potential for reinvention in one's 50s, 60s, and beyond.   Her philosophy is grounded in the belief that women can embrace this new phase of life as a time for transformation, purposeful planning, and achieving “amazing” on the other side of “invisible.” With relatable storytelling and actionable advice, Sherry empowers women to take control of their finances, health, and futures with optimism and confidence.     Website: https://www.madrinamolly.com/   Social Media Links:IG - @finkelmurphy Linkedin - https://www.linkedin.com/in/sherryfinkelmurphy/ FB - https://www.facebook.com/MadrinaMolly/  

With over 22 years as a financial advisor, Connor founded his company, Progress Solutions LLC, to be a Financial Wellness Coach. He is a Chartered Financial Consultant (ChFC®) and offers personal financial coaching to help people stop the internal tug of war with their personal finances. Empowering you to take charge of your money, he helps clients achieve financial peace of mind and teaches them how to win with money. He loves transforming how people deal with money, so they can have a better life. For more information, visit progressfc.com.

In this podcast episode, Dr. Jonathan H. Westover talks with Lindsey Lewis about diversity and inclusion and empowering women in finance. Lindsey Lewis (https://www.linkedin.com/in/lindseycarolyn/) has built a career around women and money. She not only helps women take charge of their finances as a Chartered Financial Consultant® (ChFC®) and CFP® Professional, but she also stands as a champion for diverse women in the financial services industry in her role as Senior Director and chair of the American College Center for Women in Financial Services, a premier Center of Excellence focused on research and advocacy within The American College of Financial Services. Check out all of the podcasts in the HCI Podcast Network! Check out the ⁠HCI Academy⁠: Courses, Micro-Credentials, and Certificates to Upskill and Reskill for the Future of Work! Check out the LinkedIn ⁠Alchemizing Human Capital⁠ Newsletter. Check out Dr. Westover's book, ⁠The Future Leader⁠. Check out Dr. Westover's book, ⁠'Bluer than Indigo' Leadership⁠. Check out Dr. Westover's book, ⁠The Alchemy of Truly Remarkable Leadership⁠. Check out the latest issue of the ⁠Human Capital Leadership magazine⁠. Each HCI Podcast episode (Program, ID No. 655967) has been approved for 0.50 HR (General) recertification credit hours toward aPHR™, aPHRi™, PHR®, PHRca®, SPHR®, GPHR®, PHRi™ and SPHRi™ recertification through HR Certification Institute® (HRCI®). Each HCI Podcast episode (Program ID: 24-DP529) has been approved for 0.50 HR (General) SHRM Professional Development Credits (PDCs) for SHRM-CP and SHRM-SCPHR recertification through SHRM, as part of the knowledge and competency programs related to the SHRM Body of Applied Skills and Knowledge™ (the SHRM BASK™). Human Capital Innovations has been pre-approved by the ATD Certification Institute to offer educational programs that can be used towards initial eligibility and recertification of the Certified Professional in Talent Development (CPTD) and Associate Professional in Talent Development (APTD) credentials. Each HCI Podcast episode qualifies for a maximum of 0.50 points.

Daniel Foss (ChFC, CLU) is the CEO and Founder of Foss Financial Services LLP, a personal and business wealth advisory firm that specializes in estate and retirement planning. Daniel specializes in the structuring of financial strategies to maximize wealth preservation and minimize tax consequences for his clients. He has been serving Bay Area individuals and small business owners for over 25 years.Learn more: https://fossfinancialservices.com/Dan Foss, ChFC, CLU, is a licensed and experienced Chartered Financial Consultant (ChFC) and a Chartered Life Underwriter (CLU). The purpose of this Foss Financial Services podcast is to introduce Dan Foss and share his decades of training, education, and real-world experience to the public for informational purposes only. Dan's opinions are not intended to be used or construed as specific financial planning or estate planning advice, legal advice or tax advice, for any individual or investor. No products or services shall be promoted on these podcasts. The contents expressed are not sponsored by nor paid for by any product, service, or services provider. Interested parties desiring personalized advisory services for their unique financial planning must schedule a private appointment to confidentially review their financial goals and objectives to best plan options suited to achieve their goals.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-foss-with-foss-financial-services

Daniel Foss (ChFC, CLU) is the CEO and Founder of Foss Financial Services LLP, a personal and business wealth advisory firm that specializes in estate and retirement planning. Daniel specializes in the structuring of financial strategies to maximize wealth preservation and minimize tax consequences for his clients. He has been serving Bay Area individuals and small business owners for over 25 years.Learn more: https://fossfinancialservices.com/Dan Foss, ChFC, CLU, is a licensed and experienced Chartered Financial Consultant (ChFC) and a Chartered Life Underwriter (CLU). The purpose of this Foss Financial Services podcast is to introduce Dan Foss and share his decades of training, education, and real-world experience to the public for informational purposes only. Dan's opinions are not intended to be used or construed as specific financial planning or estate planning advice, legal advice or tax advice, for any individual or investor. No products or services shall be promoted on these podcasts. The contents expressed are not sponsored by nor paid for by any product, service, or services provider. Interested parties desiring personalized advisory services for their unique financial planning must schedule a private appointment to confidentially review their financial goals and objectives to best plan options suited to achieve their goals.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-foss-with-foss-financial-services

Lawrence B. Keller is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Physician Financial Services, a company dealing exclusively with the financial needs and concerns of members of the medical profession.

Mr. Keller has spent the last 33 years providing insurance and investment products and services to residents, fellows, and attending physicians. These include, but are not limited to, disability income insurance, life insurance, and investments. Mr. Keller represents many well-respected companies in the financial services industry, which allows him the flexibility to provide unbiased advice and help recommend products that best suit each individual's needs and concerns. Recognizing that a physician's time is limited, and in an effort to remain knowledgeable to provide the most value to his clients, Mr. Keller has obtained his CFP® certification as well as earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU) and Life Underwriter Training Council Fellow (LUTCF) designations. Mr. Keller continues to keep abreast of the marketplace by attending professional conferences, and is an active member of the National Association of Insurance and Financial Advisors (NAIFA), the Financial Planning Association (FPA) and the Society of Financial Service Professionals (SFSP). In addition, Mr. Keller has qualified for the National Association of Insurance and Financial Advisors National Quality Award and is also a Qualifying & Life Member of the Million Dollar Round Table (MDRT), an independent, international association of the life insurance industry's most successful underwriters. He is also a qualifying member of the 2023 Top of the Table®. In this show, we discuss: Term life insurance Whole life insurance Umbrella insurance Larry's Website Financial Waterfall by WCI

Lawrence B. Keller is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Physician Financial Services, a company dealing exclusively with the financial needs and concerns of members of the medical profession.

Mr. Keller has spent the last 33 years providing insurance and investment products and services to resident, fellow, and attending physicians. These include, but are not limited to, disability income insurance, life insurance, and investments. Mr. Keller represents many well-respected companies in the financial services industry, which allows him the flexibility to provide unbiased advice and help recommend products that best suit each individuals needs and concerns. Recognizing that a physician's time is limited, and in an effort to remain knowledgeable to provide the most value to his clients, Mr. Keller has obtained his CFP® certification as well as earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU) and Life Underwriter Training Council Fellow (LUTCF) designations. Mr. Keller continues to keep abreast of the marketplace by attending professional conferences, and is an active member of the National Association of Insurance and Financial Advisors (NAIFA), the Financial Planning Association (FPA) and the Society of Financial Service Professionals (SFSP). In addition, Mr. Keller has qualified for the National Association of Insurance and Financial Advisors National Quality Award and is also a Qualifying & Life Member of the Million Dollar Round Table (MDRT), an independent, international association of the life insurance industry's most successful underwriters. He is also a qualifying member of the 2023 Top of the Table®. In this show, we discuss: The importance of having a disability insurance policy The important variables built into the policy Pearl and pitfalls of acquiring a policy Shopping and comparing insurance policies Finding the right agent who is working on your behalf Resources mentioned in the show: WCI on disability insurance Jimmy Turner on Medicine Redefined

In this episode, Bill & Cary Levinson host a live interview with Charles Samuel, an elite sales coach, and creator of the"60-Second Close" presentation! Whether you are new to this industry, or a seasoned pro, this podcast is perfect for you! Charles has developed and perfected various sales concepts and strategies that help maximize productivity and improve core selling skills for Agents, Financial Advisors, and Internal Sales Teams! --------------- Charles Samuel serves as Regional Vice President of Annuity Distribution for a major Insurance carrier. He is responsible for driving results through the sales team and independent distribution partners in the eastern region. Charles also develops and delivers sales concepts and strategies that help maximize productivity and improve core selling skills for agents, financial advisors, and internal sales teams.  He holds several financial service industry designations, including the Chartered Life Underwriter (CLU®) and the Chartered Financial Consultant (ChFC®), as well as the Series 6, Series 26, and Series 63 registrations with FINRA. His commitment to the pursuit of knowledge allows Charles to effectively address customer concerns and stay on top of current market trends.  As a highly experienced public speaker, Charles is actively involved in Toastmasters International where he is recognized as an Advance Communicator and Advance Leader. Charles is passionate in his commitment to sharing what he has learned with others in a way that motivates them to act.   Check us out online: Agent website: https://www.LevinsonAndAssociates.com/ Facebook: / levinsonandassociates X: / levinsonassoc Instagram: / levinsonandassociates Threads: https://www.threads.net/@levinsonandandassociates  LinkedIn: / billlevinson Bill Levinson Experience Podcast: http://levinson.libsyn.com/ Youtube Library: / thelevinson1

In this episode of the Stuff About Money podcast, Xavier Angel, a Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC), and Certified in Long-Term Care (CLTC), sits down with CPA Keith Raymond to discuss common questions from business owner clients about LLCs and S-Corporations. Keith Raymond simplifies the key differences and misconceptions about LLCs and S-Corporations, providing valuable insights into how business owners should navigate tax considerations. Whether you're a seasoned entrepreneur or just starting out, understanding the tax implications of being taxed as an LLC versus an S-Corp is essential. With the complexities of tax codes, having a knowledgeable CPA like Keith Raymond as a guide is invaluable for business owners. Tune in to this episode to gain clarity on LLCs, S-Corporations, and make informed decisions for your business's financial future. Episode Highlights: Keith discusses his career beginning in accounting with Ernst and Young in New Orleans, facing early challenges due to Hurricane Katrina. (1:53) Keith explains the distinction between an S Corp (tax status) and an LLC (legal structure), highlighting misconceptions about tax implications. (7:57) Keith emphasizes the protective benefits of an LLC, which safeguards an owner's personal assets from business liabilities, such as lawsuits or bankruptcy. (15:25) Keith discusses S Corp benefits, including tax savings on earnings above a reasonable salary with certain limitations. (18:19) Keith shares the key differences in business structures: sole proprietorship for simplicity, partnerships for flexible profit allocation, and S Corps for equal distribution among owners. (22:21) Keith discusses the importance of considering both direct and indirect expenses when operating or planning to start a business. (28:04) Keith mentions that it is important to understand deductible expenses, including recent changes to meals and entertainment rules, and encourages consulting professionals to ensure correct tax deductions. (29:47) Key Quotes: “The whole purpose of the LLC, the Limited Liability Company, is to protect the assets that are in the business, to the business.” - Keith Raymond, CPA “The benefits of an S corp, for the most part, comes down to a popular strategy that is used where earnings within an S Corp are generally not subject to self-employment taxes.” - Keith Raymond, CPA Just make sure you're capturing all of your business activity. Because, if you miss some expenses, that's tax dollars, that could be in your pocket that you're ultimately could be paying into government, that you just don't want to miss out on.” - Keith Raymond, CPA Resources Mentioned: Keith Raymond, CPA Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this episode of the Stuff About Money podcast, Xavier Angel, a Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC), and Certified in Long-Term Care (CLTC), sits down with CPA Keith Raymond to discuss common questions from business owner clients about LLCs and S-Corporations. Keith Raymond simplifies the key differences and misconceptions about LLCs and S-Corporations, providing valuable insights into how business owners should navigate tax considerations. Whether you're a seasoned entrepreneur or just starting out, understanding the tax implications of being taxed as an LLC versus an S-Corp is essential. With the complexities of tax codes, having a knowledgeable CPA like Keith Raymond as a guide is invaluable for business owners. Tune in to this episode to gain clarity on LLCs, S-Corporations, and make informed decisions for your business's financial future. Episode Highlights: Keith discusses his career beginning in accounting with Ernst and Young in New Orleans, facing early challenges due to Hurricane Katrina. (1:53) Keith explains the distinction between an S Corp (tax status) and an LLC (legal structure), highlighting misconceptions about tax implications. (7:57) Keith emphasizes the protective benefits of an LLC, which safeguards an owner's personal assets from business liabilities, such as lawsuits or bankruptcy. (15:25) Keith discusses S Corp benefits, including tax savings on earnings above a reasonable salary with certain limitations. (18:19) Keith shares the key differences in business structures: sole proprietorship for simplicity, partnerships for flexible profit allocation, and S Corps for equal distribution among owners. (22:21) Keith discusses the importance of considering both direct and indirect expenses when operating or planning to start a business. (28:04) Keith mentions that it is important to understand deductible expenses, including recent changes to meals and entertainment rules, and encourages consulting professionals to ensure correct tax deductions. (29:47) Key Quotes: “The whole purpose of the LLC, the Limited Liability Company, is to protect the assets that are in the business, to the business.” - Keith Raymond, CPA “The benefits of an S corp, for the most part, comes down to a popular strategy that is used where earnings within an S Corp are generally not subject to self-employment taxes.” - Keith Raymond, CPA Just make sure you're capturing all of your business activity. Because, if you miss some expenses, that's tax dollars, that could be in your pocket that you're ultimately could be paying into government, that you just don't want to miss out on.” - Keith Raymond, CPA Resources Mentioned: Keith Raymond, CPA Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA and Xavier Angel, CFP®, ChFC, CLTC, take you on a trip down memory lane. They reminisce on how they first met (it has something to do with shoe shopping) and how Xavier ended up joining the Plan Wisely Wealth Advisors team. They share how they ended up developing their business model to deliver ongoing financial advice to clients. Erik shares his one-page monthly business plan. And finally, Xavier shares a little bit about his experience as a black advisor in a predominantly white industry. Episode Highlights: Xavier congratulates Erik for earning his Chartered Financial Consultant (ChFC) designation. (2:47) Erik and Xavier share a light-hearted memory of bonding over shoe shopping during a financial planning course, highlighting their start and strategic networking in the industry. (7:19) Erik reflects on the importance of reflection and considering one's actions, rather than moving too quickly and not fully absorbing the present moment. (10:44) Erik and Xavier discuss estate planning, beneficiary designations, and succession planning for business owners, with a focus on checking company-sponsored life insurance and retirement accounts. (14:12) Xavier shares the value of learning from others in different regions. (19:23) Erik emphasizes the importance of hiring professionals to help achieve personal and financial goals. (21:54) Xavier shares his experience of being the only minority in a conference room full of old white men. (26:54) Key Quotes: “When you start to live life, and walk day by day, with people of a different culture, you start to understand so much more about why things are the way they are, you start to understand why people are the way they are.” - Erik Garcia, CFP®, BFA “Go out there, listen to someone's story talk to one person that you normally wouldn't have spoken to. When you walk in that building, say hello. Because you never know what someone else is going through. You may just make their day. ” - Xavier Angel, CFP®, ChFC, CLTC Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA and Xavier Angel, CFP®, ChFC, CLTC, take you on a trip down memory lane. They reminisce on how they first met (it has something to do with shoe shopping) and how Xavier ended up joining the Plan Wisely Wealth Advisors team. They share how they ended up developing their business model to deliver ongoing financial advice to clients. Erik shares his one-page monthly business plan. And finally, Xavier shares a little bit about his experience as a black advisor in a predominantly white industry. Episode Highlights: Xavier congratulates Erik for earning his Chartered Financial Consultant (ChFC) designation. (2:47) Erik and Xavier share a light-hearted memory of bonding over shoe shopping during a financial planning course, highlighting their start and strategic networking in the industry. (7:19) Erik reflects on the importance of reflection and considering one's actions, rather than moving too quickly and not fully absorbing the present moment. (10:44) Erik and Xavier discuss estate planning, beneficiary designations, and succession planning for business owners, with a focus on checking company-sponsored life insurance and retirement accounts. (14:12) Xavier shares the value of learning from others in different regions. (19:23) Erik emphasizes the importance of hiring professionals to help achieve personal and financial goals. (21:54) Xavier shares his experience of being the only minority in a conference room full of old white men. (26:54) Key Quotes: “When you start to live life, and walk day by day, with people of a different culture, you start to understand so much more about why things are the way they are, you start to understand why people are the way they are.” - Erik Garcia, CFP®, BFA “Go out there, listen to someone's story talk to one person that you normally wouldn't have spoken to. When you walk in that building, say hello. Because you never know what someone else is going through. You may just make their day. ” - Xavier Angel, CFP®, ChFC, CLTC Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Listen to the second part of our episode with Lawrence Kelller on Disability Insurance.  Lawrence B. Keller is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Physician Financial Services, a company dealing exclusively with the financial needs and concerns of members of the medical profession. Mr. Keller has spent the last thirty three years providing insurance and investment products and services to resident, fellow and attending physicians. These include, but are not limited to, disability income insurance, life insurance, and investments. Mr. Keller represents many well-respected companies in the financial services industry, which allows him the flexibility to provide unbiased advice and help recommend products that best suit each individuals needs and concerns. Recognizing that a physician's time is limited, and in an effort to remain knowledgeable to provide the most value to his clients, Mr. Keller has obtained his CFP® certification as well as earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU) and Life Underwriter Training Council Fellow (LUTCF) designations. In this episode, Lawrence talks about disability insurance, and he shares insights into questions which you may have about disability insurance for physicians and other healthcare professionals, like: What are disability insurance plans? When should people get multiple disability insurance plans? What insurance coverage is available for active duty military surgeons? Why do disability plans cost more for females than males? And many more!   This episode is sponsored by the American Academy of Orthopaedic Surgeons: Filled with content that has been vetted by some of the top names in orthopaedics, the AAOS Resident Orthopaedic Core Knowledge (ROCK) program sets the standard for orthopaedic education. Whether ROCK is incorporated into your residency curriculum, or you use it independently as a study tool, the educational content on ROCK is always free to residents. You'll gain the insights and confidence needed to ensure a successful future as a board-certified surgeon who delivers the best patient care. Log on at https://rock.aaos.org/.

Listen to our episode with Lawrence Kelller on Disability Insurance.  Lawrence B. Keller is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Physician Financial Services, a company dealing exclusively with the financial needs and concerns of members of the medical profession. Mr. Keller has spent the last thirty three years providing insurance and investment products and services to resident, fellow and attending physicians. These include, but are not limited to, disability income insurance, life insurance, and investments. Mr. Keller represents many well-respected companies in the financial services industry, which allows him the flexibility to provide unbiased advice and help recommend products that best suit each individuals needs and concerns. Recognizing that a physician's time is limited, and in an effort to remain knowledgeable to provide the most value to his clients, Mr. Keller has obtained his CFP® certification as well as earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU) and Life Underwriter Training Council Fellow (LUTCF) designations. In this episode, Lawrence talks about disability insurance, and he shares insights into questions which you may have about disability insurance for physicians and other healthcare professionals, like Why do healthcare professionals need disability insurance? What's the difference between short term and long term disability? What are some different types of disability policies? What are some different mistakes that people make when they're getting different disability policies?  And many more!   This episode is sponsored by the American Academy of Orthopaedic Surgeons: Filled with content that has been vetted by some of the top names in orthopaedics, the AAOS Resident Orthopaedic Core Knowledge (ROCK) program sets the standard for orthopaedic education. Whether ROCK is incorporated into your residency curriculum, or you use it independently as a study tool, the educational content on ROCK is always free to residents. You'll gain the insights and confidence needed to ensure a successful future as a board-certified surgeon who delivers the best patient care. Log on at https://rock.aaos.org/.

You've made it through PA school and are thriving as a badass PA taking care of complex patients with intricate medical needs. But when it comes to finances and financial planning, you feel overwhelmed and lost. You want to make sure you and your family are financially stable. You want to retire one day (maybe sooner rather than later). You want to achieve a myriad of goals that all require money. But how can you make that happen? How do you know if you're on the right track? Caleb Pepperday is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) who specializes in helping PAs and NPs achieve their financial goals. Tune into today's episode to hear Caleb tackle all of your money questions, from the difference between saving and investing to the FIRE movement to how a financial advisor can help you.  Caleb breaks down complex financial topics so you can understand them. His financial planning firm, Advanced Practice Planning, LLC, is designed to specifically help PAs and NPs. Press play so you can feel more confident on the next steps in your personal finance journey. SPONSORS 5 MISTAKES GUIDE www.tracybingaman.com/mistakes ⁠PA Pay One Sheet www.tracybingaman.com/one COACHING ⁠1-ON-1 NEGOTIATION CONSULT https://calendly.com/the-pa-is-in/negotiate⁠  ⁠FREE 30-MINUTE COACHING CONSULT⁠ ⁠https://calendly.com/the-pa-is-in/gen-call⁠   LINKS ⁠TRACY ON INSTAGRAM https://www.instagram.com/mrstracybingaman/⁠ ⁠TRACY ON LINKEDIN https://www.linkedin.com/in/tracybingaman/⁠ CONNECT WITH CALEB: WEBSITE: advancedpracticeplanning.com LINKEDIN: https://www.linkedin.com/in/caleb-pepperday/INSTAGRAM: https://www.instagram.com/advancedpracticeplanningllc/ --- Support this podcast: https://podcasters.spotify.com/pod/show/thepaisin/support

Want to discover the common financial pitfalls that small business owners face, and learn strategies to overcome them?In this episode of The Business Ownership Podcast I interviewed Frank Hanna.Frank B. Hanna, Jr., ChFC®, Private Wealth Advisor, is a leading specialist in Estate Planning, Business Succession Planning, and Wealth Management for a select group of individuals, executives, and privately held business owners. Frank spent 15+ years within the restaurant/hospitality industry operating several of his family's restaurants and bars in the Fenwick Island, Delaware, Ocean City and Salisbury, Maryland area. In 2007, he launched a financial consulting firm within his family business providing guidance in real estate development, tax management, and private investment. He has has successfully taken his years of experience running his own companies and applied his business acumen and lessons learned to the challenges and concerns his clients face, giving him a unique perspective that most financial advisors cannot offer. He has been recognized within the industry for his production, leadership, and ability to serve his clients in an exemplary manner. In 2014, Frank received his designation as a Chartered Financial Consultant (ChFC). He holds FINRA Series 7, 6, 63, and 65 licenses. He is securities licensed in the states of AZ, CA, CT, DE, FL, MD, MA, NC, NJ, NY, PA, SC, VA and VT. Additionally, Frank carries a license for the following lines of insurance: Life and Fixed Annuities, Accident and Health, Variable Life, and Variable Annuities. He sits on the Peninsula Regional Medical Center Foundation Board of Directors in Salisbury, MD as well as the Board of Limited Jurisdiction for Saints Peter and Paul School in West Chester, PA.Frank's expertise will help you fortify your business fortress and safeguard your hard-earned wealth against unnecessary taxes.Check it out!RevX Wealth Website: https://www.revxwealth.com/Book a call with Michelle: https://www.AwarenessStrategies.com/m30Join our Facebook group for business owners to get help or help other business owners! The Business Ownership Group - Secrets to Scaling: https://www.facebook.com/groups/businessownershipsecretstoscalingLooking to scale your business? Get free gifts here to help you on your way: https://www.awarenessstrategies.com/

Carl is a 48-year veteran of the life insurance business. As part of the home office team at American Family Insurance, Carl provides coaching and education for the Company's sales agents to help them build success through providing the highest quality professional service to their customers. Carl found his true passion three years ago when he stumbled into sharing Thrive superior- quality nutritional formula with friends and family. “There is nothing as gratifying as the light in someone's eyes when they feel so good that other people can see it,” Carl says. “It's life as it should by lived,” he says, “making a real and lasting difference in people's quality of life.” A 29-year resident of Madison, WI, Carl holds the Chartered Life Underwriter (CLU); Chartered Financial Consultant (ChFC); Fellow, Life Management Institute (FLMI) professional designations and is an alumnus of UW-Whitewater with a degree in Finance.

Gib Surles is principal and founder of The Forrest Group, L.L.C., an estate management firm in Houston, Texas, that specializes in wealth transfer and business succession planning. Utilizing life insurance, his firm works with family-owned businesses and high net worth individuals in addressing problems common to the transfer of assets, lifestyles, and financial security to future generations. Gib graduated from Texas A & M University in 1985 with a B.B.A in Marketing and received his Master of Science in Financial Services (MSFS) from The American College in 2001. He was awarded the Chartered Life Underwriter (CLU®) in 1996, Chartered Financial Consultant (ChFC®) in 1997, Certified Financial Planner (CFP®) in 1997, and Accredited Estate Planner (AEP®) in 1999. Gib has been married to his wife, Lauri, for thirty-five years. He has a twenty-nine-year-old son, Forrest, who is a 2016 Graduate of the Mays Business School at Texas A&M University. He is also father to twenty-six-year-old twin daughters, Autumn and Amy, who both graduated from Texas A&M University in 2019. He is an active member of St. Martin's Episcopal Church in Houston, TX, where he serves on the Vestry. He also currently serves as the Chairperson of the Houston Safari Club Foundation's annual Sporting Clays Tournament is a loyal supporter of the Hunters for the Hungry.

What is Fiduciary Advice?What is Fiduciary Advice by InvestopediaWhat is Fiduciary? Let's Ask ClarkIndependent Fiduciary Advice vs. Financial AdvisorFiduciary Advice vs. Financial Planning EducationFiduciary Advice vs. Financial Coaching Independent Fiduciary Advice Fee StructureHidden Fees and Conflicts of InterestFiduciary Advisory Client OnboardingClient Onboarding Risk ToleranceClient Intake FormsClient Onboarding Legal DocumentsClient Onboarding AgreementsFiduciary Advice and Advisor CoordinationThe Financial Planning Gap AnalysisWatch The Video - Click HereHi, I'm Jim Munchbach, CFP® Professional and Independent Fiduciary Advisor. As CEO of BayRock Financial, I provide Financial Planning and Investment Management services to clients who pay me a fee to be their Independent Fiduciary Advisor. I also provide lots of free Financial Coaching for DIY Investors with educational content on my blog and social media platforms. I specialize in helping small business owners Save More Money, Pay Lower Taxes, And Build a Better Retirement

Eliminating Risk While Growing Your Nest Egg Larry Kriesmer and Bernard Surovsky, Measured Risk Portfolios   – The Sharkpreneur podcast with Seth Greene Episode 932 Larry Kriesmer and Bernard Surovsky Larry Kriesmer graduated from the University of Redlands as an English Major and then began his career in financial services as a registered rep and insurance advisor. In that role, he quickly passed the General Securities Representative Series 7 exam and subsequently passed the Series 24 Registered Principal exam and holds the designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) from the Society of Financial Service Professionals. He is a member of the National Association of Insurance and Financial Advisors (NAIFA) and the Society of Financial Service Professionals (FSP). Frustrated by his observations with Modern Portfolio Theory and exposure to potential losses even with diversified portfolio positions, Larry Kriesmer, CLU, ChFC set about finding a portfolio risk management solution over which he could feel more in control. Finding nothing that fit his objective, he drew on his early training as an insurance professional, and along with his business partner, Bernard Surovsky, formed Measured Risk Portfolios, a registered investment advisor, in 2007. Initially deployed on a few select clients, the strategy is now used by the majority of his personal clients and hundreds of accounts that are referred to the firm by outside advisors. Bernard Surovsky graduated from the University of Cape Town with a Bachelor of Science in Construction Management and Economics. He emigrated to the US in 1992 and passed the General Securities Representative Series 7 exam in 1996 and holds the designations of Certified Fund Specialist (CFS) from the Institute of Business & Finance. Frustrated with the results of Modern Portfolio Theory and the significant losses incurred in client accounts, he set about finding a more predictable solution to managing portfolio risk. Finding nothing that fit the need, he drew on his early training as an insurance professional, and along with his business partner, Larry Kriesmer, formed Measured Risk Portfolios, a registered investment advisor, in 2007. Initially deployed on a few select clients, the strategy is now used by the majority of his personal clients and hundreds of accounts that are referred to the firm by outside advisors.   Listen to this informative Sharkpreneur episode with Larry Kriesmer and Bernard Surovsky about eliminating risk while growing your nest egg. Here are some of the beneficial topics covered on this week's show: - How the old way of doing things in financial services doesn't work during a crisis. - Why you must do something different to achieve a different outcome. - What an Index Annuity is and isn't and how they work. - Why a small allocation can control a large amount of capital and yield the desired return. - How softened portfolios still carry a tremendous risk for clients.   Connect with Larry and Bernard: Guest Contact Info LinkedIn linkedin.com/company/measured-risk-portfolios   Links Mentioned: measuredriskportfolios.com   Learn more about your ad choices. Visit megaphone.fm/adchoices

Eliminating Risk While Growing Your Nest EggLarry Kriesmer and Bernard Surovsky, Measured Risk Portfolios – The Sharkpreneur podcast with Seth Greene Episode 932 Larry Kriesmer and Bernard SurovskyLarry Kriesmer graduated from the University of Redlands as an English Major and then began his career in financial services as a registered rep and insurance advisor. In that role, he quickly passed the General Securities Representative Series 7 exam and subsequently passed the Series 24 Registered Principal exam and holds the designations of Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) from the Society of Financial Service Professionals. He is a member of the National Association of Insurance and Financial Advisors (NAIFA) and the Society of Financial Service Professionals (FSP).Frustrated by his observations with Modern Portfolio Theory and exposure to potential losses even with diversified portfolio positions, Larry Kriesmer, CLU, ChFC set about finding a portfolio risk management solution over which he could feel more in control. Finding nothing that fit his objective, he drew on his early training as an insurance professional, and along with his business partner, Bernard Surovsky, formed Measured Risk Portfolios, a registered investment advisor, in 2007. Initially deployed on a few select clients, the strategy is now used by the majority of his personal clients and hundreds of accounts that are referred to the firm by outside advisors.Bernard Surovsky graduated from the University of Cape Town with a Bachelor of Science in Construction Management and Economics. He emigrated to the US in 1992 and passed the General Securities Representative Series 7 exam in 1996 and holds the designations of Certified Fund Specialist (CFS) from the Institute of Business & Finance.Frustrated with the results of Modern Portfolio Theory and the significant losses incurred in client accounts, he set about finding a more predictable solution to managing portfolio risk. Finding nothing that fit the need, he drew on his early training as an insurance professional, and along with his business partner, Larry Kriesmer, formed Measured Risk Portfolios, a registered investment advisor, in 2007. Initially deployed on a few select clients, the strategy is now used by the majority of his personal clients and hundreds of accounts that are referred to the firm by outside advisors. Listen to this informative Sharkpreneur episode with Larry Kriesmer and Bernard Surovsky about eliminating risk while growing your nest egg.Here are some of the beneficial topics covered on this week's show:- How the old way of doing things in financial services doesn't work during a crisis.- Why you must do something different to achieve a different outcome.- What an Index Annuity is and isn't and how they work.- Why a small allocation can control a large amount of capital and yield the desired return.- How softened portfolios still carry a tremendous risk for clients. Connect with Larry and Bernard:Guest Contact InfoLinkedInlinkedin.com/company/measured-risk-portfolios Links Mentioned: measuredriskportfolios.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

Money, the universal medium of exchange, holds a complex place in our lives. While universally desired for its ability to provide financial security, people's opinions and attitudes towards it can vary significantly.Jeff Bernier, a Certified Financial Planner, draws inspiration for his book "The Money and Meaning Journey" from his desire to merge the concept of wealth management with finding personal meaning and purpose in life. He defines money as a means of freedom of choice, relative to an individual's needs for a fulfilling life. We also talk about the benefits of effective wealth management that extend beyond financial security. By adopting sound wealth management practices, you gain the ability to plan for your long-term goals, mitigate financial risks, and make informed decisions about investments. It enables you to create a solid foundation for future generations, and enjoy a sense of peace and confidence in their financial journey.Are you ready to embark on your own Money and Meaning journey? Join us with this insightful talk with Jeff!Episode Highlights:About Jeff's book “The Money and Meaning Journey” and what inspired him to write itHis definition of money in one sentenceHow people can find their life's purpose while doing their jobsHow to construct financial plan that fuels life's purposeMistakes people is making when it comes to managing their financesAbout the Guest:Jeff Bernier is a CERTIFIED FINANCIAL PLANNER® (CFP®) professional, a Certified Fund Specialist (CFS), and a Chartered Financial Consultant (ChFC), and a proud member of NAPFA, The National Association of Personal Financial Advisors. Jeff's holistic, objective approach to financial planning is designed to relieve your financial worries and give you the confidence to lead a life rich in value and significance. Building on three decades of experience helping clients strive for complete financial confidence, Jeff opened the doors to TandemGrowth Financial Advisors, a fee-only RIA, in 2003, Today, he focuses on working with affluent executives and entrepreneurs to create the financial capacity to support their vision for the future—before the final stages of their career. Working in pursuit of your best interest, Jeff and his team provide holistic financial planning, retirement transition strategies, and asset and investment management, and provide the insights you need to evaluate the opportunities, benefits, costs, and tradeoffs of your personal financial and life choices. Connect with Jeff:Website | jeffbernierauthor.comTwitter | @TandemGrowthLinked In | www.linkedin.com/in/jeffberniercfpListen to his podcast!Apple Podcast | podcasts.apple.com/us/podcast/the-money-and-meaning-showGrab yourself a copy of his book!Top Software Engineers from Eastern Europe | IT Staff Augmentation | Money Back GuarantyBoost your tech team with top IT talent, risk-free hiring, 10% off with code ECHO PODCAST.Authorhina - Career Guidance Check out how that worksDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

To begin his career, Robert became the fastest agent in the history of the John Hancock Companies to complete The American College's four-year Certified Life Underwriter (CLU)Ò and Chartered Financial Consultant (ChFC) designation programs. Both were successfully completed in only 13 months.The reason for the urgency was for a 25-year-old to gain immediate access to an advanced planning market that was dominated by gray-haired senior financial advisors. This commitment to education and a healthy commitment to prospecting and gaining referrals provided Smith with the opportunity to gain Ford, General Motors, and Chrysler as clients.Robert completed his Accredited Asset Management Specialist (AAMS) designation with the College for Financial Planning while with New York Life. As a perennial Million Dollar Round Table MDRTâ qualifier, Robert was part of the New York Life team which led the MDRT for the fiftieth consecutive year. Robert's name is enshrined in a plaque on the wall of the New York Life Building located on Madison Avenue.Robert taught the Certified Financial Planner CFP curriculum to financial advisors, bankers, accountants, attorneys, and others at Oglethorpe University. Robert also served as a Princeton Review Instructor. After becoming the #1 producing branch manager nationwide for BankAtlantic/BB&T, Smith became the #1 producing agent for Mutual of New York (MONY)/AXA worldwide.https://www.RobertJSmith.comOver his five-decades-long financial services career, Robert has consistently ranked in the top 1% worldwide in insurance and financial services production. He shares his proven storytelling methods, persuasive writing techniques, and sales closing style with professionals through public speaking and private consulting to assure their success.https://www.RobertJSmithProductions.comIn addition to being licensed as a Series 7 and Series 63 General Securities Representative, Robert was also licensed as a Registered Investment Advisor (RIA). Smith is also licensed as a Life, Health, and Variable Annuities Agent and was a Licensed Insurance Counselor (LIC) which qualified him to testify in Michigan Courts as an Expert Witness. Robert was also a licensed Mortgage Broker and currently holds a Real Estate agent's license.Smith consulted with a Tampa firm that never had a single mortgage broker earn over $100,000.00 per year. Within six months of working with Robert, every broker had earned in excess of $150,000.00 in commissions.In a career that spans five decades, Robert is the only financial advisor in the United States who has earned the CLU, ChFC, LIC, CCCC, RIA, AAMSÒ, CMP, and CMPS professional designations while leading both a financial services giant and a banking giant in sales production.After setting numerous production and achievement records at several Fortune 500 Companies, Robert sustained severe spinal cord injuries which resulted in his closing his private practice offices in Atlanta, Sarasota, and Tampa. While undergoing fourteen surgeries and years of physical rehabilitation, Robert began training for a second career by concurrently earning his Master of Fine Arts (MFA) degree in Creative Writing as Valedictorian at Full Sail University and his Feature Film Writing Degree with Distinction at UCLA. Smith has won Director's Awards for The Art of Visual Storytelling as well as Editing for Film, Games, and Animation and is a sought-after public speaker.Robert became an International Best-Selling Author with his contribution to SALES GENIUS #1ã which was the #1 Amazon Best-Seller in Sales Techniques both in the USA and in the UK while The Wolf of Wall Street, Jordan Belfort's book on sales was # 2 in both rankings. Smith has also written THE ADVENTURES OF INSURANCEMAN THE LOAN ARRANGER, REAL ESTATE WOMAN, and SHORT ATTENTION SPAN DAN. https://www.amazon.com/Robert-J-Smith/e/B07H38GYF1THE ADVENTURES OF INSURANCEMAN provided Robert with his single largest commission to date when he earned $110,000.00 with The Equitable on an estate planning case that was closed due to this story.THE ADVENTURES OF INSURANCEMAN is available on Amazon for single use and may be licensed and customized for use by licensed insurance agents to increase sales production and persistency.https://www.amazon.com/ADVENTURES-INSURANCEMAN-ROBERT-J-SMITH-ebook/dp/B07H3D2TY5?ref_=ast_sto_dpRobert has been featured on ABC, CBS, FOX, NBC, The CW Network, and The Golf Channel.He has consistently ranked in the top 1% of the Internet Movie Database (IMDb). Robert is also a Forbes Business Council Member and Contributor.https://www.IMDb.Me/RobertJSmithRobert has raised millions of dollars for charity through his financial advisory practice and personal efforts.Robert J. Smith, MFA may be reached at Robert@RobertJSmith.com and at (407) 508-0200 for a fifteen-minute consultation at no charge to show you how you can increase sales production, revenues, and profits.Learn more: https://smithprofits.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-financial-planner-and-advisor-robert-j-smith-founder-of-smith-profits

To begin his career, Robert became the fastest agent in the history of the John Hancock Companies to complete The American College's four-year Certified Life Underwriter (CLU)Ò and Chartered Financial Consultant (ChFC) designation programs. Both were successfully completed in only 13 months.The reason for the urgency was for a 25-year-old to gain immediate access to an advanced planning market that was dominated by gray-haired senior financial advisors. This commitment to education and a healthy commitment to prospecting and gaining referrals provided Smith with the opportunity to gain Ford, General Motors, and Chrysler as clients.Robert completed his Accredited Asset Management Specialist (AAMS) designation with the College for Financial Planning while with New York Life. As a perennial Million Dollar Round Table MDRTâ qualifier, Robert was part of the New York Life team which led the MDRT for the fiftieth consecutive year. Robert's name is enshrined in a plaque on the wall of the New York Life Building located on Madison Avenue.Robert taught the Certified Financial Planner CFP curriculum to financial advisors, bankers, accountants, attorneys, and others at Oglethorpe University. Robert also served as a Princeton Review Instructor. After becoming the #1 producing branch manager nationwide for BankAtlantic/BB&T, Smith became the #1 producing agent for Mutual of New York (MONY)/AXA worldwide.https://www.RobertJSmith.comOver his five-decades-long financial services career, Robert has consistently ranked in the top 1% worldwide in insurance and financial services production. He shares his proven storytelling methods, persuasive writing techniques, and sales closing style with professionals through public speaking and private consulting to assure their success.https://www.RobertJSmithProductions.comIn addition to being licensed as a Series 7 and Series 63 General Securities Representative, Robert was also licensed as a Registered Investment Advisor (RIA). Smith is also licensed as a Life, Health, and Variable Annuities Agent and was a Licensed Insurance Counselor (LIC) which qualified him to testify in Michigan Courts as an Expert Witness. Robert was also a licensed Mortgage Broker and currently holds a Real Estate agent's license.Smith consulted with a Tampa firm that never had a single mortgage broker earn over $100,000.00 per year. Within six months of working with Robert, every broker had earned in excess of $150,000.00 in commissions.In a career that spans five decades, Robert is the only financial advisor in the United States who has earned the CLU, ChFC, LIC, CCCC, RIA, AAMSÒ, CMP, and CMPS professional designations while leading both a financial services giant and a banking giant in sales production.After setting numerous production and achievement records at several Fortune 500 Companies, Robert sustained severe spinal cord injuries which resulted in his closing his private practice offices in Atlanta, Sarasota, and Tampa. While undergoing fourteen surgeries and years of physical rehabilitation, Robert began training for a second career by concurrently earning his Master of Fine Arts (MFA) degree in Creative Writing as Valedictorian at Full Sail University and his Feature Film Writing Degree with Distinction at UCLA. Smith has won Director's Awards for The Art of Visual Storytelling as well as Editing for Film, Games, and Animation and is a sought-after public speaker.Robert became an International Best-Selling Author with his contribution to SALES GENIUS #1ã which was the #1 Amazon Best-Seller in Sales Techniques both in the USA and in the UK while The Wolf of Wall Street, Jordan Belfort's book on sales was # 2 in both rankings. Smith has also written THE ADVENTURES OF INSURANCEMAN THE LOAN ARRANGER, REAL ESTATE WOMAN, and SHORT ATTENTION SPAN DAN. https://www.amazon.com/Robert-J-Smith/e/B07H38GYF1THE ADVENTURES OF INSURANCEMAN provided Robert with his single largest commission to date when he earned $110,000.00 with The Equitable on an estate planning case that was closed due to this story.THE ADVENTURES OF INSURANCEMAN is available on Amazon for single use and may be licensed and customized for use by licensed insurance agents to increase sales production and persistency.https://www.amazon.com/ADVENTURES-INSURANCEMAN-ROBERT-J-SMITH-ebook/dp/B07H3D2TY5?ref_=ast_sto_dpRobert has been featured on ABC, CBS, FOX, NBC, The CW Network, and The Golf Channel.He has consistently ranked in the top 1% of the Internet Movie Database (IMDb). Robert is also a Forbes Business Council Member and Contributor.https://www.IMDb.Me/RobertJSmithRobert has raised millions of dollars for charity through his financial advisory practice and personal efforts.Robert J. Smith, MFA may be reached at Robert@RobertJSmith.com and at (407) 508-0200 for a fifteen-minute consultation at no charge to show you how you can increase sales production, revenues, and profits.Learn more: https://smithprofits.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-financial-planner-and-advisor-robert-j-smith-founder-of-smith-profits

Check it out on Spotify: https://spoti.fi/33Z4VsE Check it out on Apple: https://apple.co/3AHc2DT Jeff Kikel has been in the Finance business for over 25 years doing Personal and Business owner financial planning, wealth management, and exit strategy planning.  Starting in 2010, Jeff began to talk to his clients about "Freedom Day" . Freedom Day is the first day that you get up for work and have enough money or income coming in that you do not actually have to be there. Jeff found that people understood Freedom Day better than retirement and that Freedom Day was not associated with a time as much as a goal. Jeff has gone on to help many clients reach their Freedom Day by teaching them how to invest, build side incomes or businesses, and invest in real estate. Jeff is a published author of 6 books on topics ranging from Personal Finance, Estate Planning, Entrepreneurship, and Marketing. Jeff's upcoming book Freedom Day: Plan Your Exit From Your Job or Business will focus on the techniques and strategies he has used to help 100s of individuals and small business owners plan their own Freedom Days. Jeff is a Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), Accredited Small Business Consultant (ASBC), Non Qualified Plan Advisor (NQPA), Qualified Plan Fiduciary Advisor (QPFA) and is a Certified Rapid Growth Coach. Jeff lives in Cedar Park, TX (the Awesome Norther Neighbor of Austin) and owns three businesses in the Wealth Management, Coworking, and Media Spaces. Dreams: Remove himself from his businesses within 24 months. Real Estate Wholesaling Real Estate Rental Portfolio Media Arm Financial Advisor Arm Help People get their freedom day Get his Own Complete Freedom Day Keep Crossing Stuff Off His Bucket List Introduce Them to: Brandon Turner - BiggerPockets Contact them at: https://www.jeffkikel.com/ https://www.linkedin.com/in/jeffkikel/ --- Support this podcast: https://podcasters.spotify.com/pod/show/timothy-douglas0/support

Check it out on Spotify: https://spoti.fi/33Z4VsE Check it out on Apple: https://apple.co/3AHc2DT Jeff Kikel has been in the Finance business for over 25 years doing Personal and Business owner financial planning, wealth management, and exit strategy planning.  Starting in 2010, Jeff began to talk to his clients about "Freedom Day" . Freedom Day is the first day that you get up for work and have enough money or income coming in that you do not actually have to be there. Jeff found that people understood Freedom Day better than retirement and that Freedom Day was not associated with a time as much as a goal. Jeff has gone on to help many clients reach their Freedom Day by teaching them how to invest, build side incomes or businesses, and invest in real estate. Jeff is a published author of 6 books on topics ranging from Personal Finance, Estate Planning, Entrepreneurship, and Marketing. Jeff's upcoming book Freedom Day: Plan Your Exit From Your Job or Business will focus on the techniques and strategies he has used to help 100s of individuals and small business owners plan their own Freedom Days. Jeff is a Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), Accredited Small Business Consultant (ASBC), Non Qualified Plan Advisor (NQPA), Qualified Plan Fiduciary Advisor (QPFA) and is a Certified Rapid Growth Coach. Jeff lives in Cedar Park, TX (the Awesome Norther Neighbor of Austin) and owns three businesses in the Wealth Management, Coworking, and Media Spaces. Dreams: Remove himself from his businesses within 24 months. Real Estate Wholesaling Real Estate Rental Portfolio Media Arm Financial Advisor Arm Help People get their freedom day Get his Own Complete Freedom Day Keep Crossing Stuff Off His Bucket List Introduce Them to: Brandon Turner - BiggerPockets Contact them at: https://www.jeffkikel.com/ https://www.linkedin.com/in/jeffkikel/ --- Support this podcast: https://podcasters.spotify.com/pod/show/timothy-douglas0/support

In today's episode, we hear from Brian Carney, a well-known advisor who shares his non-traditional journey into the wealth management industry and his proactive steps to grow his financial firm.Brian Carney is a CFP®, AIF®, ChFC®, CDFA®, and CEO at RiversEdge Advisors, LLC. Today he joins us as a guest on this episode of Bridging The Gap.Brian shares his passion for building relationships with clients and understanding why money makes them feel a certain way. Brian and Matt also dive into the importance of creating a streamlined process that helps advisors effectively grow their wealth management businesses, how to improve operations within the firm, and how we can entice more young professionals to migrate to the financial services industry.Brian Carney Bio:Brian Carney is the co-founder and face of RiversEdge Advisors, LLC. From helping clients with business development to volunteering in the community, his passion and zeal for financial planning shines through in all that he does.Beginning in 2001, Brian has spent his entire career in the financial services industry, working two local firms prior to merging his practice with RiversEdge Advisors in 2014. Not only has this merger allowed Brian to continue providing purely independent and conflict-free financial advice but has given him the opportunity to truly hone his craft and share that with each and every one of his clients. As his experience has evolved, Brian has found his niche serving business owners and entrepreneurs seeking comprehensive planning services.A lifelong Delawarean, Brian graduated from the Tatnall School and Ursinus College. He has earned various industry designations including CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Financial Consultant® (ChFC®), Certified Divorce Financial Analyst™ (CDFA™), Accredited Investment Fiduciary® (AIF®), and Certified Exit Planning Advisor (CEPA®). Simplifying the complex, obtaining the seemingly unobtainable, and empowering his clients to feel financially confident are what motivate him on a regular basis. On any given day, you can find Brian going above and beyond to make sure his clients are well taken care of. As a gentleman with a positive attitude and proactive demeanor, Brian is heavily involved with client relations. His personality and dedication enhance the RiversEdge client experience from start to finish.Brian is married to his college sweetheart, Kristen, and together they have three children. As a family, they spend a lot of time exploring and making long-lasting memories together. Brian is a volunteer coach for his sons' football, basketball and baseball teams, and loves any chance he gets to spend with his family. Passionate about animals, their family regularly fosters dogs through Out of the Woods Rescue in Medford, New Jersey. With Kristen leading the way, Brian's family fostered and helped 13 dogs find forever homes over the past 2 years. When he isn't dedicating his time to his family, sports, or animals, Brian is heavily involved with his alma mater, the Tatnall School, in Wilmington, Delaware.Follow Us And Find More Content For Financial Advisors and Wealth Management Firms At:www.mattreiner.comYouTubeTwitterLinkedInMentioned in this episode:Benjamin

In this episode, Raquel and Jennifer are joined by Claire Hunsaker (aka "Your Financial Wingwoman"), the founder of Askflossie.com. Claire is a financial advisor and financial educator for single women and single moms. After earning her MBA from Stanford, Claire left a 25-year career in business to become a Chartered Financial Consultant (ChFC®). Claire also serves as a volunteer tax preparer with the IRS VITA program with an advanced certification. She is a wife, boymom and strong believer in women's financial independence. Askflossie.com is a community platform to support single moms and unmarried women on their journey of building financial security for themselves and their families. AskFlossie delivers free financial planning help to single women through trusted educational content, guides, free resources and community forums.Where to find Claire:Website: https://askflossie.comIG: https://www.instagram.com/askflossie/ Let Raquel and Jennifer know what you think about this and other episodes of Madness Cafe on IG @madnesscafepodcast or by email at madnesscafepodcast@gmail.com.And don't forget to rate and review the show wherever you listen!Thanks for listening and responding!

About: Claire is a personal finance expert and CEO at AskFlossie. Her website, AskFlossie.com delivers free, trusted financial guidance for unmarried women and single moms. After earning her MBA from Stanford, Claire left a 25-year career in business to become a Chartered Financial Consultant (ChFC®). Claire serves as a volunteer tax preparer with the IRS VITA program with an advanced certification, and processed over 250 returns in 2022. She has passed all education and testing for the Certified Financial Planner (CFP®) accreditation. She presents frequently on personal finance topics to large and small audiences, in person and online. In her mid-forties, Claire is a wife, mom, IVF warrior, and raging feminist who loves a good cozy mystery. Ideas For Episode Titles / Main Focus Surviving inflation on a budget Growing income with side hustles and promotions Financially security in divorce How to prevent a personal financial crisis Generational Wealth Building for Women Questions Discussed: What the heck is going on in the economy/inflation right now? What can people do? What insurance do I need? What money moves should single moms do differently? How can single women set financial goals? How can women protect themselves before/during/after divorce? Claire can be reached at https://www.askflossie.com Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Due your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Thank you to our sponsor, CityVest: https://bit.ly/37AOgkp Follow our YouTube channel: https://www.youtube.com/chL1357

CPI hits the bullseye – perfectly inline with expectations. Optimism returns – market on the move - but what about those pesky valuations? Earnings season – starts...right now. Our guest Alex Shahidi – Evoke Advisors, talking about Risk Parity. Check this out and find out more at: http://www.interactivebrokers.com/ Alex is a Managing Partner and Co-Chief Investment Officer at Evoke Advisors. Alex has over 22 years of experience as an investment consultant managing multibillion-dollar portfolios. He began his career at Merrill Lynch, where he led one of the firm's largest institutional consulting groups, advising more than $10 billion in assets. In 2014, Alex co-founded ARIS, where he, along with co-founder Damien Bisserier, oversaw the firm's research and client service efforts. In 2019, they launched the RPAR Risk Parity ETF, which quickly became one of the largest Alternative ETFs in the country. ARIS merged with Evoke Advisors in 2020 and the combined firm currently advises over $20 billion in assets. Alex focuses on advising large pension funds, foundations, endowments, and ultra-high-net-worth families. He works with his clients in a variety of financial areas including developing investment policy statements, managing asset allocation, selecting managers, monitoring portfolio performance, and creating financial plans. Alex is a Chartered Financial Analyst (CFA®), a Certified Investment Management Analyst (CIMA®), a Certified Financial Planner (CFP®), a Chartered Life Underwriter (CLU®), and a Chartered Financial Consultant (ChFC®). Barron's magazine has repeatedly ranked him as one of America's Top 100 Independent Financial Advisors, Top 1,200 Financial Advisors and Top 1,000 Financial Advisors. Alex graduated cum laude from University of California, Santa Barbara, with degrees in business economics and law. He earned a JD from the University of California, Hastings Law School, and is a licensed attorney in California. Alex is a prolific writer. His first book titled Balanced Asset Allocation: How to Profit in Any Economic Climate, was released in late 2014. The article introducing the premise of the book was recognized with the IMCA 2012 Stephen L. Kessler Writing Award as well as in the Wall Street Journal, Market Watch, Money News, Fidelity.com, and Wall Street Daily. In 2021, he launched his second book titled Risk Parity: How to Invest for All Market Environments. Alex has been interviewed on Bloomberg Television and Radio, BBC World News, and Yahoo Finance and for articles in the Wall Street Journal, Barron's, and other major publications. He has also been featured in numerous podcasts including Capital Allocators, The Investor's Podcast, and Seeking Alpha. Alex is also a member of the Forbes Finance Council and regularly contributes content for Forbes.com. Table Discussed in this episode Follow @andrewhorowitz Looking for style diversification? More information on the TDI Managed Growth Strategy - HERE Stocks mentioned in this episode: (SPY), (AMZN), (SBUX)

You can't put a dollar value on your family. But you can make sure their financial future is taken care of in case of unexpected events. Nowadays, we're sold on the idea that banks are our best bet to do this.That's simply not true. Banks only have their interests in mind. And, contrary to popular belief, they're not bulletproof and can go under. Luckily, there are ways in which you can take care of the financial security of your family and create wealth at the same time. That's why you have to listen to today's episode with my guest, Will Duffy. Will is a Chartered Financial Consultant (ChFC), Retirement Income Certified Professional (RICP), and Enrolled Agent (EA) who became a millionaire at age 33 by following the same contrarian wealth-building and tax-saving strategies he teaches his clients. His proven roadmap helps clients realize their financial goals and secure the future of their families. In this episode, you'll learn how the wealthiest people in the world leverage life insurance to build tax-free wealth, the major mistakes to avoid when using life insurance as an investment vehicle, and the bank replacement strategy with much better returns.Key Takeaways with Will DuffyWhy the wealthiest people in the world are the largest purchasers of life insurance. Why the “infinite banking” and “bank on yourself” strategies don't work, and better alternatives you can use instead.Will's bank replacement strategy that will get you guaranteed returns on investment regardless of recessions, stock market crashes, and depressions. The #1 mistake to avoid when using life insurance to invest. The strategy that life insurance companies don't want you to know about that helped Justin save millions of dollars on his life insurance policy. Why do the size and investment portfolio of life insurance companies influence the dividend you're earning with their policies? The benefits of life insurance that aren't activated only by death.Nobody's promised tomorrow. Why it's always better to get life insurance as soon as possible.Free GiftGet Will's free book, Roths for the Rich: How To Fund Your Roth With Over $100,000 Each Year. The book will show you how to accumulate the most money possible while paying the least amount possible to UncleSam — using the Roth IRA. You'll be amazed how much you can sock away tax-free by making the tax laws work for you!To get access to this gift, visit JustinDonald.com/102. Thanks for listening and without further delay, my conversation with Will Duffy!To get access to this gift, visit LifestyleInvestor.com/102Want the Full Show Notes?To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit LifestyleInvestor.com/101Get the Lifestyle Investor Book!To get access to The Lifestyle Investor: The 10 Commandments of Cashflow Investing for Passive Income and Financial Freedom visit LifestyleInvestor.com/bookRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, Stitcher, Castbox, Google Podcasts, iHeart Radio, or wherever you listen, so future episodes are automatically downloaded directly to your device.You can also help by providing an honest rating & review. Reviews go a long way in helping us build awareness so that we can impact even more people. THANK YOU!Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Show Notes   - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt   - EP 098 Derrick Kinney, CEO – Good Money Framework   Derrick Kinney is CEO of Good Money Framework and host of the popular Good Money podcast. Kinney inspires influential business and thought leaders to make more money and use it for good. Known for making complex financial topics easy to understand, Kinney is a sought-after guest on local and national media where he has been interviewed on CNBC, FOX News, CNN, FOX Business, PBS, Cheddar News, and Wall Street Journal, among others. Kinney is a certified Financial Educator (CFE), Chartered Retirement Planning Counselor (CRPC), Chartered Financial Consultant (ChFC), and a Chartered Advisor for Senior Living (CASL).   Derrick ‘s insights include:    How Derrick used his motivation to make money from a young age into crafting his own successful financial planning business The problem with people believing if you make a lot of money you are a villain How Derrick helps business owners increase their revenue How people's fears hold them back from making more money The importance of branding yourself as a specialist in your field to make more money   Enjoy the show!   Connect with Derrick:   Website:  www.GoodMoneyFramework.com https://www.goodmoneyframework.com/chapters Instagram: derricktkinney LinkedIn: Derrick Kinney     Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode: 169 Will Duffy Join your host David Pere and Alex Felice in this episode with guest Will Duffy as he explains why he personally wouldn't do any of the life insurance policies that are so commonly pitched to people today. One thing should be known to anyone being sold a life insurance policy: most insurance agents we have today only sell for one company. And if your insurance agent works under one insurance company, for Will, that's a conflict of interest to be aware of right there. In this episode, Will talks about the two questions you need to ask when being pitched to a life insurance policy, why the infinite banking concept simply doesn't work, and why the bank replacement strategy is better than any bank account. About Will Duffy: In the world of investing and finance, there are those who follow the crowd and those who know how to turn unconventional strategies into potentially winning hands. Will Duffy became a millionaire at age 33 by following the same contrarian wealth-building and tax-saving strategies he teaches his clients. Not just a financial advisor, Will's specialized excellence as a Chartered Financial Consultant (ChFC), Retirement Income Certified Professional (RICP), an Enrolled Agent (EA) lets him create customized, innovative financial plans or partner with a client's current team of CPAs, advisors or attorneys. The author of multiple financial books, and a go-to source for other financial professionals nationwide, The Duffy MethodTM is Will's proven roadmap to help high net worth individuals, family offices, and businesses realize their financial goals. Sponsor: Real Estate Investing 101: https://www.frommilitarytomillionaire.com/teachable-rei   Outline of the episode: [03:52] You can't get too far researching tax planning without running across life insurance [05:52] Will Duffy – on most life insurance policies today [10:16] Dissecting the Infinite Banking Concept (IBC) [14:18] What is a captive agent? [17:03] The red flags with direct recognition policies [21:15] What is lost opportunity cost? [25:28] The Bank Replacement Strategy [30:01] About a family who wants to close an off-market multifamily property and do the bank replacement strategy [35:01] David Pere – on making $600 from a whole life insurance policy after five years [38:46] When someone's pitching you life insurance…   Resources: Website:              https://willduffy.com/ LinkedIn:             https://www.linkedin.com/in/willduffychfc/   Roths For The Rich: How to Fund Your Roth With Over $100,000 Each Year, Book by Will Duffy: https://www.amazon.com/gp/product/B07RGZ35ZK/ref=dbs_a_def_rwt_bibl_vppi_i1   Compound Interest: 10 Financial Truths to Protect Your Wealth, Book by Will Duffy: https://www.amazon.com/gp/product/B01HUOZL0M/ref=dbs_a_def_rwt_bibl_vppi_i2   Follow The Military Millionaire Podcast's journey on: Website:              https://www.frommilitarytomillionaire.com/ YouTube:             https://www.youtube.com/c/Frommilitarytomillionaire/ Facebook:           https://www.facebook.com/groups/1735593999901619/ Instagram:          https://www.instagram.com/frommilitarytomillionaire/   Become A War Room Mastermind Group Member: https://military-millionaire-academy.teachable.com/p/the-war-room   Grab your book copy of The No B.S. Guide to Military Life - How to Build Wealth, Get Promoted, and Achieve Greatness, Book by David Pere: https://www.amazon.com/B-S-Guide-Military-Life-greatness/dp/1736753010   From Zero to One: Real Estate Investing for Beginners: https://military-millionaire-academy.teachable.com/p/from-zero-to-one-real-estate-investing-101   Grab hold of your 2-Week FREE Trial of Propstream Now: https://trial.propstreampro.com/militarytomillionaire/   Sponsor: Real Estate Investing 101: https://www.frommilitarytomillionaire.com/teachable-rei - Real Estate Investing Course: https://www.frommilitarytomillionaire.com/teachable-rei Recommended books and tools: https://www.frommilitarytomillionaire.com/kit/ Become an investor: https://www.frommilitarytomillionaire.com/investor/ - SUBSCRIBE: https://bit.ly/2Q3EvfE - Website: https://www.frommilitarytomillionaire.com/start-here/ Instagram: https://www.instagram.com/frommilitarytomillionaire/ Facebook: https://www.facebook.com/groups/militarymillionaire/ - My name is David Pere, I am an active duty Marine, and have realized that service members and the working class use the phrase "I don't get paid enough" entirely too often. The reality is that most often our financial situation is self-inflicted. After having success with real estate investing, I started From Military to Millionaire to teach personal finance and real estate investing to service members and the working class. As a result, I have helped many of my readers increase their savings gap, and increase their chances of achieving financial freedom! - Click here to SUBSCRIBE: https://bit.ly/2Q3EvfE to the channel for more awesome videos! THIS SITE IS INDEPENDENTLY OWNED AND OPERATED. ALL OPINIONS EXPRESSED HEREIN ARE MY OWN. THE VIEWS EXPRESSED ON THIS SITE ARE THOSE OF THE AUTHOR OR THE AUTHOR'S INVITED GUEST POSTERS, AND MAY NOT REFLECT THE VIEWS OF THE US GOVERNMENT, THE DEPARTMENT OF DEFENSE, OR THE UNITED STATES MARINE CORPS.