Podcasts about chartered life underwriter clu

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.

In this second episode about Fraud in Insurance, Robyn Wallner, Underwriting Solutions in the US, and Paul Blyth, Head of Underwriting Claims & Propositions in the UK, discuss innovative solutions with host David Ferguson, Underwriting and Claims Development Manager from the UK. Innovative technology, trends analysis, databases, heat maps, artificial intelligence, and more are being used to identify fraud in underwriting and claims to stay ahead of the fraudsters using many of the same tools. Part 1 of this series discusses fraud risks and mitigation and is available here. Host David FergusonDavid joined SCOR in December 2014 and has more than 25 years of experience in life and health reinsurance in the UK and Irish market. He has worked for different insurers across a range of roles including premium administration, underwriting and claims, research and development and automated rules development for claims engines.   His current role as Underwriting & Claims Development Manager is to support the implementation of SCOR's underwriting and claims strategy and framework for Life underwriting and claims best practice.  He has an interest in advances and innovations in medical tech and their impact on the Life and Health industry. He is an Associate of the Chartered Insurance Institute and holds both the Institute's Underwriting and Claims diplomas. He is currently Chair of the Digital Technology and Innovation Practitioner Group at the Investment & Life Assurance Group. Guest Paul BlythPaul is Head of Underwriting & Claims Proposition in the UK and Ireland at SCOR. His key responsibilities are maintaining and enhancing relationships with SCOR's key clients in both Underwriting and Claims in the UK and Irish markets. With 20+ years' experience in claims, he develops and delivers training to clients on a regular basis, coordinates the UK team's webinars and newsletter, SCORacle, where he has contributed a number of articles over the years, some of which have been translated for other markets including Korea and Japan.He has represented SCOR many times when presenting at various industry events such as FOCUS (where he was vice chair), Health Insurance Society, Select 74, Health Claims Forum, and the Health, Care and Protection Conference. He has a particular interest in cancer and neurology and has issued a number of publications over the years, which include topics such as Proton Beam Radiation Therapy, Immunotherapy, Rare Cancers, Neurodendocrine Tumours (NETs)/Gastrointestinal Stromal Tumours (GISTs)/Pseudomyxoma Peritonei (PM) and many more.Guest Robyn WallnerRobyn Wallner works at SCOR in the role of Vice President, Underwriting|Partnerships. She has more than three decades of insurance and financial services experience including individual life and disability income underwriting, underwriting guideline development, compliance oversight, product development, reinsurance, technology development/underwriting rules/engines development, vendor negotiation, claims review and analysis, underwriting representation for litigation, quality oversight, co-creation of solutions with distributors, carriers, TPAs, and insurtechs, new business administration and underwriting leadership, and Chief Underwriter.Robyn has a Bachelor of Arts degree in Management from College of St Benedict. She also holds the Fellow, Academy of Life Underwriting (FALU); Fellow, Life Management Institute (FLMI); and Chartered Life Underwriter (CLU) designations as well as Emergency Medical Technical (EMT) certification. In her free time, Robyn enjoys volunteering as an EMT and Alpine Ski Patroller, playing pickleball, golfing, hiking, and spending time with her husband, Steve, and three children, Paige, Megan, and Matthew.

How big is the global insurance fraud problem and how can we mitigate the fraud risk? The latest SCOR Innovation Podcast episode features David Ferguson, Underwriting and Claims Development Manager from the UK, interviewing Robyn Wallner, Underwriting Solutions in the US, and Paul Blyth, Head of Underwriting Claims & Propositions in the UK. Join us to hear a comparison between the fraud issues on either side of the Atlantic Ocean, as the experts discuss fraud trends, factors constituting fraud in different markets, and more.  Host David FergusonDavid joined SCOR in December 2014 and has more than 25 years of experience in life and health reinsurance in the UK and Irish market. He has worked for different insurers across a range of roles including premium administration, underwriting and claims, research and development and automated rules development for claims engines.   His current role as Underwriting & Claims Development Manager is to support the implementation of SCOR's underwriting and claims strategy and framework for Life underwriting and claims best practice.  He has an interest in advances and innovations in medical tech and their impact on the Life and Health industry. He is an Associate of the Chartered Insurance Institute and holds both the Institute's Underwriting and Claims diplomas. He is currently Chair of the Digital Technology and Innovation Practitioner Group at the Investment & Life Assurance Group. Guest Paul BlythPaul is Head of Underwriting & Claims Proposition in the UK and Ireland at SCOR. His key responsibilities are maintaining and enhancing relationships with SCOR's key clients in both Underwriting and Claims in the UK and Irish markets. With 20+ years' experience in claims, he develops and delivers training to clients on a regular basis, coordinates the UK team's webinars and newsletter, SCORacle, where he has contributed a number of articles over the years, some of which have been translated for other markets including Korea and Japan.He has represented SCOR many times when presenting at various industry events such as FOCUS (where he was vice chair), Health Insurance Society, Select 74, Health Claims Forum, and the Health, Care and Protection Conference. He has a particular interest in cancer and neurology and has issued a number of publications over the years, which include topics such as Proton Beam Radiation Therapy, Immunotherapy, Rare Cancers, Neurodendocrine Tumours (NETs)/Gastrointestinal Stromal Tumours (GISTs)/Pseudomyxoma Peritonei (PM) and many more.Guest Robyn WallnerRobyn Wallner works at SCOR in the role of Vice President, Underwriting|Partnerships. She has more than three decades of insurance and financial services experience including individual life and disability income underwriting, underwriting guideline development, compliance oversight, product development, reinsurance, technology development/underwriting rules/engines development, vendor negotiation, claims review and analysis, underwriting representation for litigation, quality oversight, co-creation of solutions with distributors, carriers, TPAs, and insurtechs, new business administration and underwriting leadership, and Chief Underwriter.Robyn has a Bachelor of Arts degree in Management from College of St Benedict. She also holds the Fellow, Academy of Life Underwriting (FALU); Fellow, Life Management Institute (FLMI); and Chartered Life Underwriter (CLU) designations as well as Emergency Medical Technical (EMT) certification. In her free time, Robyn enjoys volunteering as an EMT and Alpine Ski Patroller, playing pickleball, golfing, hiking, and spending time with her husband, Steve, and three children, Paige, Megan, and Matthew.

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

Mr. Sacchetta is the president of Westport-based CFIG Wealth Management, LLC. He is president and an investment adviser representative of Continental Five Investment Group, LLC. He is a CERTIFIED FINANCIAL PLANNER® practitioner, an Accredited Estate Planner professional, and a Chartered Life Underwriter designee. He specializes in retirement planning, estate planning, and business planning.Mr. Sacchetta is a member of the Estate Planning Council of Lower Fairfield County and the National Association of Estate Planners & Councils (NAEPC). He is a qualifying member of the Million Dollar Round Table, the Premier Association of Financial Professionals®.Mr. Sacchetta was born and raised in Connecticut. He graduated magna cum laude from Connecticut State University in New Britain, received his MBA from Fordham University in New York City, and his Chartered Life Underwriter (CLU) designation from the American College in Bryn Mawr, Pennsylvania. He is a life member of the U.S. Tennis Association and a member of the U.S. Golf Association. He is fluent in Italian.Mr. Sacchetta was recently named in the newly released editions and has been named in multiple previous editions, of the Marquis Who's Who in Finance and Business, the Marquis Who's Who in the East, the Marquis Who's Who in America and in the Marquis Who's Who in the World. He has earned numerous industry awards and distinctions. He has been quoted in local and national media.Learn More: https://www.cfig-wealth.com/Investment advisory services are offered through Continental Five Investment Group, LLC, a Registered Investment Adviser, 1555 Post Road East, Suite 206, Westport, Connecticut 06880.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pasquale-sacchetta-president-of-cfig-wealth-management-discussing-tax-risk

Mr. Sacchetta is the president of Westport-based CFIG Wealth Management, LLC. He is president and an investment adviser representative of Continental Five Investment Group, LLC. He is a CERTIFIED FINANCIAL PLANNER® practitioner, an Accredited Estate Planner professional, and a Chartered Life Underwriter designee. He specializes in retirement planning, estate planning, and business planning.Mr. Sacchetta is a member of the Estate Planning Council of Lower Fairfield County and the National Association of Estate Planners & Councils (NAEPC). He is a qualifying member of the Million Dollar Round Table, the Premier Association of Financial Professionals®.Mr. Sacchetta was born and raised in Connecticut. He graduated magna cum laude from Connecticut State University in New Britain, received his MBA from Fordham University in New York City, and his Chartered Life Underwriter (CLU) designation from the American College in Bryn Mawr, Pennsylvania. He is a life member of the U.S. Tennis Association and a member of the U.S. Golf Association. He is fluent in Italian.Mr. Sacchetta was recently named in the newly released editions and has been named in multiple previous editions, of the Marquis Who's Who in Finance and Business, the Marquis Who's Who in the East, the Marquis Who's Who in America and in the Marquis Who's Who in the World. He has earned numerous industry awards and distinctions. He has been quoted in local and national media.Learn More: https://www.cfig-wealth.com/Investment advisory services are offered through Continental Five Investment Group, LLC, a Registered Investment Adviser, 1555 Post Road East, Suite 206, Westport, Connecticut 06880.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pasquale-sacchetta-president-of-cfig-wealth-management-discussing-tax-risk

Mr. Sacchetta is president of Westport based CFIG Wealth Management, LLC. He is president and an investment adviser representative of Continental Five Investment Group, LLC. He is a CERTIFIED FINANCIAL PLANNER® practitioner, an Accredited Estate Planner professional and a Chartered Life Underwriter designee. He specializes in retirement planning, estate planning, and business planning.Mr. Sacchetta is a member of the Estate Planning Council of Lower Fairfield County and the National Association of Estate Planners & Councils (NAEPC). He is a qualifying member of the Million Dollar Round Table, the Premier Association of Financial Professionals®.Mr. Sacchetta was born and raised in Connecticut. He graduated magna cum laude from Connecticut State University in New Britain, received his MBA from Fordham University in New York City, and his Chartered Life Underwriter (CLU) designation from the American College in Bryn Mawr, Pennsylvania. He is a life member of the U.S. Tennis Association and a member of the U.S. Golf Association. He is fluent in Italian.Mr. Sacchetta was recently named in the newly released editions and has been named in multiple previous editions, of the Marquis Who's Who in Finance and Business, the Marquis Who's Who in the East, the Marquis Who's Who in America and in the Marquis Who's Who in the World. He has earned numerous industry awards and distinctions. He has been quoted in local and national media.Learn More: https://www.cfig-wealth.com/Investment advisory services are offered through Continental Five Investment Group, LLC, a Registered Investment Adviser, 1555 Post Road East, Suite 206, Westport, Connecticut 06880.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pasquale-sacchetta-president-of-cfig-wealth-management-discussing-interest-rate-inflation-risk

Mr. Sacchetta is president of Westport based CFIG Wealth Management, LLC. He is president and an investment adviser representative of Continental Five Investment Group, LLC. He is a CERTIFIED FINANCIAL PLANNER® practitioner, an Accredited Estate Planner professional and a Chartered Life Underwriter designee. He specializes in retirement planning, estate planning, and business planning.Mr. Sacchetta is a member of the Estate Planning Council of Lower Fairfield County and the National Association of Estate Planners & Councils (NAEPC). He is a qualifying member of the Million Dollar Round Table, the Premier Association of Financial Professionals®.Mr. Sacchetta was born and raised in Connecticut. He graduated magna cum laude from Connecticut State University in New Britain, received his MBA from Fordham University in New York City, and his Chartered Life Underwriter (CLU) designation from the American College in Bryn Mawr, Pennsylvania. He is a life member of the U.S. Tennis Association and a member of the U.S. Golf Association. He is fluent in Italian.Mr. Sacchetta was recently named in the newly released editions and has been named in multiple previous editions, of the Marquis Who's Who in Finance and Business, the Marquis Who's Who in the East, the Marquis Who's Who in America and in the Marquis Who's Who in the World. He has earned numerous industry awards and distinctions. He has been quoted in local and national media.Learn More: https://www.cfig-wealth.com/Investment advisory services are offered through Continental Five Investment Group, LLC, a Registered Investment Adviser, 1555 Post Road East, Suite 206, Westport, Connecticut 06880.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pasquale-sacchetta-president-of-cfig-wealth-management-discussing-interest-rate-inflation-risk

Mr. Sacchetta is president of Westport based CFIG Wealth Management, LLC. He is president and an investment adviser representative of Continental Five Investment Group, LLC. He is a CERTIFIED FINANCIAL PLANNER® practitioner, an Accredited Estate Planner professional, and a Chartered Life Underwriter designee. He specializes in retirement planning, estate planning, and business planning.Mr. Sacchetta is a member of the Estate Planning Council of Lower Fairfield County and the National Association of Estate Planners & Councils (NAEPC). He is a qualifying member of the Million Dollar Round Table, the Premier Association of Financial Professionals®.Mr. Sacchetta was born and raised in Connecticut. He graduated magna cum laude from Connecticut State University in New Britain, received his MBA from Fordham University in New York City, and his Chartered Life Underwriter (CLU) designation from the American College in Bryn Mawr, Pennsylvania. He is a life member of the U.S. Tennis Association and a member of the U.S. Golf Association. He is fluent in Italian.Mr. Sacchetta was recently named in the newly released editions and has been named in multiple previous editions, of the Marquis Who's Who in Finance and Business, the Marquis Who's Who in the East, the Marquis Who's Who in America and in the Marquis Who's Who in the World. He has earned numerous industry awards and distinctions. He has been quoted in local and national media.Learn More: https://www.cfig-wealth.com/Investment advisory services are offered through Continental Five Investment Group, LLC, a Registered Investment Adviser, 1555 Post Road East, Suite 206, Westport, Connecticut 06880.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pasquale-sacchetta-president-of-cfig-wealth-management-discussing-market-risk

Mr. Sacchetta is president of Westport based CFIG Wealth Management, LLC. He is president and an investment adviser representative of Continental Five Investment Group, LLC. He is a CERTIFIED FINANCIAL PLANNER® practitioner, an Accredited Estate Planner professional, and a Chartered Life Underwriter designee. He specializes in retirement planning, estate planning, and business planning.Mr. Sacchetta is a member of the Estate Planning Council of Lower Fairfield County and the National Association of Estate Planners & Councils (NAEPC). He is a qualifying member of the Million Dollar Round Table, the Premier Association of Financial Professionals®.Mr. Sacchetta was born and raised in Connecticut. He graduated magna cum laude from Connecticut State University in New Britain, received his MBA from Fordham University in New York City, and his Chartered Life Underwriter (CLU) designation from the American College in Bryn Mawr, Pennsylvania. He is a life member of the U.S. Tennis Association and a member of the U.S. Golf Association. He is fluent in Italian.Mr. Sacchetta was recently named in the newly released editions and has been named in multiple previous editions, of the Marquis Who's Who in Finance and Business, the Marquis Who's Who in the East, the Marquis Who's Who in America and in the Marquis Who's Who in the World. He has earned numerous industry awards and distinctions. He has been quoted in local and national media.Learn More: https://www.cfig-wealth.com/Investment advisory services are offered through Continental Five Investment Group, LLC, a Registered Investment Adviser, 1555 Post Road East, Suite 206, Westport, Connecticut 06880.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pasquale-sacchetta-president-of-cfig-wealth-management-discussing-market-risk

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

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/.

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.

Ken Fahmy is the Founder and President of Fahmy & Associates, where he has helped families, individuals, and small businesses achieve financial security since 1985. As a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC), he has experience in a host of insurance and finance sectors. Ken has been recognized as a top financial and insurance advisor by Washingtonian magazine, Northern Virginia Magazine, and many more. In this episode… Many entrepreneurs build companies to leave a monetary legacy for themselves and their loved ones. Yet when the time comes to exit, business owners aren't always adequately prepared. What tax efficiency strategies can you leverage to maximize your company's value? Founder and President of Fahmy & Associates, Ken Fahmy, shares tax benefit opportunities for small business owners. With host Todd Taskey, Ken discusses investment plans for tax deductions, how to manage your finances to prepare for an exit, and the value of business beneficiary plans.

Welcome back to another episode of The Lila Life Show! In this episode, Linda spoke with Debra Schatzki, CFP®, CLU, owner and founder of BPP Wealth Solutions. Debra is passionate about financial planning and helping people fulfill their dreams because she believes that the key to finding financial success runs parallel to deciphering what you really want out of life. She helps clients figure out their dreams and then how to get them there, one step at a time. Debra has been a professional in the wealth management business for more than 30 years. She started while in college working with her mother to create pension plans. In 1997, Debra created Financial Services in a Box, a financial planning model licensed to accounting firms. Simultaneously, she ran those accounting firms' Financial Services and Investment Advisory divisions. In 2010, Debra founded her own consulting and registered investment advisory company, BPP Wealth Solutions, LLC. Debra went to Pace University in New York City, where she studied accounting and finance. She completed her Certificate in Financial Planning in 1987 earning her the right to use the CFP® mark. Debra is certified as a Chartered Life Underwriter (CLU) and an Accredited Estate Planner (AEP). Debra loves being an independent advocate for our clients. She helps her clients achieve their goals and is inspired by people who care deeply about their families, their businesses, and their futures. What Debra does is integral to ensuring all BPP clients receive the planning and advisory services they need to grow their futures. Debra and her husband created Project Enterprise (PE), a Community Financial Development Institution that provided business training, business loans and networking opportunities to micro-entrepreneurs and tiny businesses. Debra is also passionate about cooking and traveling. She lives in New Jersey with her husband Nick, an actor and voiceover artist. They have a grown daughter and a teenage son, two dogs, and a cat. Debra offers a Security Income Planning service. You can refer to her website https://www.bppwealth.com/about-us to find out more. --- Support this podcast: https://podcasters.spotify.com/pod/show/lila-life/support

With: Jason Pereira MBA CFA® CFP® | Personal Finance and fintech Expert Writer | Podcaster | Public Speaker Preet Banerjee | Behavioural Finance Expert | Keynote Speaker | Found of MoneyGaps Dr. Meghaan Lurtz Ph.D. | Lecturer | Writer | Senior Research Associate Kitces.com Mark McGrath CFP® CIM® CLU® | Financial Planner | Aaron Hector, B.COMM., CFP, R.F.P., TEP | Private Wealth Advisor | Financial Planner BIOs: Jason Pereira MBA CFA® CFP® is a highly experienced financial planner with over two decades of expertise in the field. He is a renowned writer, commentator, speaker, podcaster, and educator, specializing in financial planning, practice management, and fintech. Holding two degrees and nine professional designations, Jason is a recipient of over 30 industry awards in recognition of his outstanding contributions. He has shared his knowledge through authoring over 100 articles, podcasts, and interviews, further solidifying his reputation as a leading figure in the financial planning industry. Preet Banerjee, a former neuroscientist turned finance expert, author, keynote speaker, consult to the wealth management industry and is well-known for his contributions to CBC's The National and The Morning Show on Global. and recently received his doctorate researching the value of financial advice to households. Dr. Meghaan Lurtz is a prominent expert in financial planning psychology, an accomplished educator serving as a Professor of Practice at Kansas State University, and a lecturer at Columbia University, specializing in Financial Psychology. She also holds positions on various financial technology boards that bridge finance and mental health. With her active research and ongoing contributions to the Kitces platform, she explores the connection between money, advice, and well-being. Jason Pereira MBA CFA® CFP® is a highly experienced financial planner with over two decades of expertise in the field. He is a renowned writer, commentator, speaker, podcaster, and educator, specializing in financial planning, practice management, and fintech. Holding two degrees and nine professional designations, Jason is a recipient of over 30 industry awards in recognition of his outstanding contributions. He has shared his knowledge through authoring over 100 articles, podcasts, and interviews, further solidifying his reputation as a leading figure in the financial planning industry. Mark McGrath CFP® CIM® CLU® is an experienced financial expert with over 10 years of experience in the industry. Holding designations such as Chartered Investment Manager (CIM®), CERTIFIED FINANCIAL PLANNER®, and Chartered Life Underwriter (CLU®), Mark is dedicated to educating and assisting individuals in achieving their financial dreams through evidence-based and comprehensive financial planning. His expertise lies in investment, tax, retirement, and estate planning for small business owners and their families. Aaron Hector, B.COMM., CFP, R.F.P., TEP brings a unique blend of youth and extensive experience in comprehensive wealth management, commencing his career earlier than most. He benefited from 15+ years of mentorship from Russ Doherty and Vic Bryant, each offering distinct expertise. His clients find comfort in his commitment to serving them throughout their careers and retirements. Why Your Should Listen: Our conversation delves into the importance of celebrating financial achievements throughout life, rather than just at retirement. We explore how to infuse moments of financial joy into the journey, embracing the entire experience. We also explore the ever-changing landscape of financial planning and how AI and technology are reshaping the industry, evoking a mix of anticipation and concern. We discuss a future where technology enhances the human journey of financial planning, making it more meaningful and fulfilling. We delve into finding the dynamic balance where technology amplifies,

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

How Passive is Real Estate Investing? Interview with Mark McGrath With over 10 years' experience in the industry, Mark holds the Chartered Investment Manager (CIM®), CERTIFIED FINANCIAL PLANNER®, and Chartered Life Underwriter (CLU®) designations, and is also insurance licensed. “Control your money or your money will control you”. The words of Mark's late father instilled a passion for financial planning and personal finance in him at a young age. Mark has since nurtured this obsession into a commitment to educate and assist others in reaching and exceeding their financial dreams through purposeful, evidence-based, and comprehensive financial planning. Having spent the majority of his career focused on high-income professionals, Mark's expertise lies in investment, tax, retirement, and estate planning for small business owners and their families. Mark grew up in the Lower Mainland of British Columbia and has recently found home in Squamish with his wife, Denise, and young son Noah. When he is not immersed in reading and listening to personal finance content, he can be found snowboarding, playing strategy games with his wife, or teaching his son to play guitar.

I hope you enjoy this encore episode of one of the most popular shows in the last 12 months. One of my mentors often said price is irrelevant. He said he would sell anything for any price as long as he could define the terms of the deal. During this conversation today with Scott Haas about PBMs (pharmacy benefit managers), that quote was playing in my head like an earworm. I'm henceforth gonna struggle with the term rebate to define dollars that the PBM gets back from Pharma, because, according to my guest in this healthcare podcast Scott Haas, it turns out “rebates” comprise only about 40% of those back-end dollars that some PBMs manage to score from pharma manufacturers. I don't have any insight really into this, but Scott Haas certainly does—and this is the average that he has seen in his work and that we're going to dig into today. But in sum … wow! Let me just repeat that a mere 40 cents on the dollar of the gross amount that PBMs take in “rebates” from Pharma these days winds up going back to plan sponsors, even plan sponsors who are getting “100% of the rebates.” If you didn't understand what I just said, no worries. I'm gonna explain it right now. If you did and you know the why behind all of this also, you could probably skip ahead about five minutes. Here's the backstory on this whole rebate fandango. Let's start with part one of what is a two-part transaction. So, part one: the deal between pharma manufacturers and PBMs. In general, a pharma manufacturer signs a deal with a PBM to give back whatever percentage of their gross sales revenue to the PBM at the end of the year, say. It's along the same lines as a cash-back coupon for the PBM. Why would a pharma company be up for giving cash back like this? Well, to get on a PBM's formulary, giving cash back is like the price of admission. PBMs have a lot of leverage, after all—at least the big ones. They control access to millions and millions of patient lives. So, if Pharma wants their drug to be accessible to those millions and millions of lives, they have to play the cash-back game, otherwise known as the rebate game. They have to agree to give back to the PBM a certain amount of cash on the back end. So, PBM pays Pharma's list price up front—that's the gross amount paid, based on the list price of the drug—and then after all the cash back gets toted up at the end of the year, there'll be a net price. List price or gross price minus the cash back equals net price. It's this net price that's the true kind of final price which the pharma company gets paid per script by said PBM at the end of the day. These days, most everybody pretty much knows that PBMs are getting these so-called rebates—this cash back from pharma companies that I just explained. And it's pretty common knowledge the so-called gross-to-net bubble (the gross-to-net dollar amount) is pretty huge, meaning the rebate or cash-back amount is pretty huge. And many have also noticed that the gross-to-net dollar amounts seem to be growing bigger and bigger every year. I mean, for one insulin manufacturer, consider this: Their list price, their gross price, is $350 per script. And their net price after cash back/rebates was $52 this past year. Wait ... what? After all the cash back to the PBM, the insulin manufacturer got paid 86% less than their list price—$350 went down to $52 per prescription. The PBM vacuumed up 86% of the dough for every script written for this particular brand of insulin. Okay … so, say Pharma gives $100 back to the PBM based on the terms of their deal. Call that part one of this example transaction. Here's part two: the deal between PBMs and health plans or self-insured employers. Health plans and self-insured employers are customers of the PBM. They hire PBMs to manage the pharmacy benefits for their members or employees. So, because everybody knows this whole rebate thing is going on, as part of the contracts that the PBMs put in place with their customers (meaning the health plans or employers), the PBMs tell their customers that they're going to give 100% of the rebates back to the plan/employer. So, you'd think that if the pharma manufacturer paid $100 to the PBM, that the customers of the PBM (the plan sponsors) would get the $100 back then, right? The PBM would pass on 100% of the savings, as it were, if they're saying that they're gonna give 100% of the rebates. I mean, if this is actually true, that $100 in and $100 out, then the PBM is potentially performing a useful service, right? They're lowering drug costs for their customer, the plan sponsors for their members and employees. Except … turns out, not so much. Because what is a rebate, really? A rebate can be anything the PBM defines as a rebate. And it turns out that, on average, as I said before, according to those in the know, something like $60 of that $100 is not a rebate. It's an administration fee. Or a data fee. Or an education fee. A clinical program fee. Some other name that is not rebate. As my guest Scott Haas says, the term rebate is meaningless because it can mean whatever the PBM wants it to mean. It's like inconceivable from The Princess Bride. I do not think that word rebate means what you think it means. Now it is a tangled web we weave here, and for more on why I say that, listen to the episode with Chris Sloan (Encore! EP216) entitled “How Medicare Part D Plans Became Addicted to Drug Rebates.” There's also a show with Pramod John, PhD (EP353) where we dig into, specifically, specialty drugs and rebating and so-called rebate walls. But net net, all of this probably myopic focus on rebates means that you have to keep an eagle eye out for so-called exclusions in contracts if you are a plan sponsor. So, what are exclusions? This is that whole thing where some cheap generic is excluded from a PBM formulary while some expensive brand for the same condition is on formulary. Why would a cheap generic be excluded from a PBM formulary? Simple. Cheap generics don't have rebates. PBMs lose a lot of money when some high-priced specialty drug, for example, goes generic. They might have made thousands of dollars per script on that high-priced brand by collecting its rebate. Think about that insulin example. The rebate is 86% of the cost of the drug. And everybody wonders why some cheap generic insulin or biosimilar or whatever isn't on formulary. It is not a mystery when you're dealing with for-profit enterprises built around a model of revenue maximization. So, given all this, what's my guest Scott Haas's bottom-line advice in this whole thing? If you're a health plan or employer and you're trying to negotiate a PBM contract where your spend is predictable and your contracted price promises have any meaning whatsoever, Scott Haas's advice is, you have to ensure that the contract defines the actual prices for the drugs in the contract. With absolute numbers. Not percentages off or weird formulas or the empty promise of getting an AWP or a WAC (which means average wholesale price or wholesale acquisition cost) or any of the other various acronyms for some drug pricing schema. All of these are basically shorthand for “this price could change at any moment.” There's a reason in-the-know people say AWP stands for “Ain't what's paid,” meaning ain't what's ultimately going to be paid by plan sponsors. What is necessary in PBM contracts is the final price—that number. Some digits with a dollar sign in front of them and a “per unit” after them. No acronyms and no percentage signs. Whoever gets to define the terms ultimately controls the price. So, get the price up front. As mentioned several times already, I am talking to Scott Haas, who is a senior VP over at USI Insurance Services. He's speaking today from the perspective of a plan sponsor, meaning from the point of view of a health plan, including those health plans managed by and paid for by a self-insured employer and their employees. For more information on PBMs and how drugs get adjudicated, listen to the show with AJ Loiacono (Encore! EP231), which was one of the most popular episodes over here at Relentless Health Value. Somebody on a LinkedIn post the other day commented on how much she appreciated AJ Loiacono's frank assessment of things and how she would love to go to a meeting with more people similarly telling it like it is. That's pretty much what we aim to do at every episode over here at Relentless Health Value, and AJ nails it on that objective for sure in this episode. One last thing, also on the show: Scott Haas brings up GPOs that the Big Three PBMs have been spinning up to aggregate and maximize all of those rebates that we just talked about. I discuss this exact topic at some length in another incredibly popular episode with Mike Schneider (Encore! EP288).   You can learn more at usi.com or by emailing Scott at scott.haas@usi.com.   Scott Haas has over 38 years of employee benefits experience. His background includes the development and validation of care management programs; prescription benefit management solutions; provider network evaluation, valuation, and negotiation; and underwriting. Scott started and operationalized a third-party administrator (TPA) and a pharmacy benefit manager platform from scratch. He has worked in the arena of alternative funding for most of his career. Scott's primary focus is in the area of alternative delivery and financing of healthcare other than fee for service, along with prescription benefit and healthcare risk management consulting. Scott has held officer-level positions within Blues plans and TPAs as vice president of sales and marketing, vice president of underwriting, and president. Scott has also served as a trustee for both union and non-union health and welfare and pension plans. Scott frequently shares his consulting expertise speaking at national events hosted by organizations such as Health Rosetta, the International Foundation of Employee Benefits, the Health and Welfare Plan Management Conference, the Western Pension and Benefits Conference, and the Self-Insurance Institute of America (SIIA). Scott has authored and coauthored articles on various topics over his career. Scott earned his bachelor's degree in business administration and economics from the University of Nebraska at Kearney. Scott also holds Chartered Life Underwriter (CLU) and Registered Health Underwriter (RHU) designations.   10:34 What's the major flaw with the buyer-seller relationship between plan sponsors and PBMs? 12:08 What are the five things that need to be considered in order to get a fair price from a PBM? 13:21 Why does using average wholesale price cause problems for plan sponsors? 15:10 What does it mean to put the network risk on the PBM? 17:15 What's happening with drugs moving from specialty brand to specialty generic? 19:19 “A generic is a generic; in our world, it's binary.” 23:36 “The term 100% of rebates is really irrelevant.” 23:59 What does it mean to have a minimum guarantee in drug rebates? 26:43 “When you do a line-item assessment … is it producing an optimal result in comparison to competitively achieved … pricing for generics … and for specialty?” 27:57 “Plan sponsors need to grow a backbone.” 28:40 EP342 with Christin Deacon. 29:10 Why do you need to understand your consultant's process as a plan sponsor? 29:36 Why do you need to understand formulary exclusions as a plan sponsor? 29:46 Why is it important to create a more equal PBM contract? 30:57 “Rebates inure to the benefit of the plan sponsor; they don't necessarily benefit the consumer.” 31:50 What does Scott do at USI?   You can learn more at usi.com or by emailing Scott at scott.haas@usi.com.   Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast   Recent past interviews: Click a guest's name for their latest RHV episode! Chris Deacon, Dr Vivek Garg, Lauren Vela, Dale Folwell (Encore! EP249), Eric Gallagher, Dr Suhas Gondi, Dr Rachel Reid, Dr Amy Scanlan, Peter J. Neumann, Stacey Richter (EP400)  

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

Mark McGrath CFP® CIM® CLU® | Financial Planner | BIO: Mark is an experienced financial expert with over 10 years of experience in the industry. Holding designations such as Chartered Investment Manager (CIM®), CERTIFIED FINANCIAL PLANNER®, and Chartered Life Underwriter (CLU®), Mark is dedicated to educating and assisting individuals in achieving their financial dreams through evidence-based and comprehensive financial planning. His expertise lies in investment, tax, retirement, and estate planning for small business owners and their families. Why You Should Listen: In this episode of our "Financial Anthem" series, Mark invites us to join him on a deeply personal journey as he reflects on his father's experiences navigating his own money story. With a genuine sense of empathy and compassion, we delve into the intricacies of his father's choices and the delicate balance he struck between money, family, and personal well-being. Through Mark's heartfelt storytelling, we gain a deeper understanding of the profound impact money can have on our lives and identities. We explore the intricate connections between our financial well-being and the ways in which we define ourselves. Mark's vulnerability and sensitivity allow us to examine the challenges that arise when our identities become intertwined with our financial circumstances, and the profound difficulty of managing transitions when those identities are at stake. This episode serves as a gentle reminder of the transformative power of financial choices and the intricate web of emotions that surround our relationship with money. Highlights: Explore Mark's early financial influences and the powerful impact of parental guidance on our money mindset. Learn how creative expression and storytelling can help us gain a deeper understanding of our own money stories. Discover the importance of financial agency and the value of making our own decisions, even when learning from our mistakes. Gain insights into the profound influence of financial socialization and the dynamics of couples' financial interdependence. Reflect on the significance of planning for retirement beyond the financial aspects, focusing on preserving identity and finding meaning. Quotes: “Control your money or it will control you” Mark McGrath's father “I fear is that my kids won't know me if I work too hard” Mark McGrath LINKS: Mark's Twitter: @MarkMcGrathCFP Mark's LinkedIn: CLICK HERE

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 insightful RIA episode with Larry Kriesmer and Bernard Surovsky about eliminating risk while growing your nest egg. Here is what to expect 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: Links Mentioned: https://measuredriskportfolios.com/ LinkedIn http://linkedin.com/company/measured-risk-portfolios Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Finance Live Podcast Episode 99 - Mike Krupin Interview - Leading Life Insurance ProducerThis is Episode 99 of the Dr. Finance® Live Podcast hosted by Dr. Anthony M. Criniti IV (aka “Dr. Finance®”). Dr. Criniti interviewed Mike Krupin, one of the world's top life insurance producers, Chartered Life Underwriter (CLU), celebrity connector, speaker, and entrepreneur. Michael J. Krupin, CLU, has ranked among the top 1% of life insurance producers for the majority of his career, spanning over 40 years. His success through the years results from his commitment to always represent the client, never the carrier, and to remain independent, consistent, trustworthy, flexible and enthusiastic. As a result of this philosophy, Michael attracts clients including the nation's leading A-list individuals in entertainment, sports, business and healthcare, and has handled cases worth over $100 million. An entrepreneur at heart, Michael left insurance carrier Provident Mutual (now Nationwide Insurance), where he was a top producer, to form Krupin Associates in Richmond, Virginia in 1980. He quickly built a substantial practice that realized over $2 billion in life insurance policies in a short time period. Michael and his son, Bryan, moved to Beverly Hills in 1996 to form Gilbert-Krupin. In 2012, Michael, Bryan and Ashley Krupin formed Krupin Partners to continue to serve clients throughout the country from the firm's Beverly Hills, Richmond and New York offices. Dr. Anthony M. Criniti IV (aka “Dr. Finance®”) is the world's leading financial scientist and survivalist.  A fifth generation native of Philadelphia, Dr. Criniti is a former finance professor at several universities, a former financial planner, an active investor in diverse marketplaces, an explorer, an international keynote speaker, and has traveled around the world studying various aspects of finance.  He is an award winning author of three #1 international best-selling finance books: The Necessity of Finance (2013), The Most Important Lessons in Economics and Finance (2014), and The Survival of the Richest (2016).  Dr. Criniti is also the host of the highly successful Dr. Finance® Live Podcast as well as one of the top hosts on Clubhouse.  Dr. Criniti has started a grassroots movement that is changing the way that we think about economics and finance.    For more information about Doctor Finance, please visit https://DrFinance.Info.  Disclaimer: This Podcast is for informational purposes only. It is presented with the understanding that the author(s) and the publisher(s) are not engaged in providing financial, legal, or other professional services. If financial, legal, or any other form of advice is needed, please consult a financial advisor, an attorney, or another professional advice-giving entity.  Also, the opinions and views expressed by any guests on this Podcast do not necessarily represent the opinions and views of Dr. Finance® or its affiliates.  Copyright © 2021 to Present by Dr. Anthony M. Criniti IV - All Rights Reserved.

Jessica Theroux joined the Couillard Group in 2014 coming from a background in commercial real estate. She successfully completed a Bachelor of Commerce degree at the Haskayne School of Business as well as her Certified Financial Planner (CFP) designation and Chartered Life Underwriter (CLU) designation. Jessica is the founder of a not-for-profit foundation, Souls for Sisters, and is passionate about women's rights and education around the globe. She is also a registered yoga instructor and donates her time teaching weekly providing support to Souls for Sisters. Outside of work, Jessica spends her time with her husband Greg, two boys, Bennett and Austin and her daughter Aidah. She is passionate about yoga, food and travel! Entrepreneurs are the backbone of Canada's economy. To support Canada's businesses, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn and Twitter. Want to stay up-to-date on the latest #entrepreneur podcasts and news? Subscribe to our bi-weekly newsletter

Welcome to the brand new episode of “The Conscious Living Podcast.” Today I have the pleasure of interviewing an amazingly evolved soul, entrepreneur, and dear friend and colleague, Mr. Rennie Gabriel Rennie Gabriel is the award winning, best-selling author of "Wealth On Any Income" who went from broke at age 50 to multi-millionaire. With a net worth in the top 1% of Americans, he donates 100% of the profits from his books, coaching and speaking to dog and veteran charities and his goal is to create more philanthropists. Rennie is a UCLA Instructor, Certified Financial Planner (CFP), Chartered Life Underwriter (CLU) and retired from his publishing company in Dec. 2007. The company had about 80 titles in bookstores on consumer education specializing in marketing, real estate and finance.

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)

Saying you were retired used to have a negative connotation because it meant you were no longer able to work, but now, it is something everyone works towards and dreams of.   Why does the meaning of retirement change over time?   In this episode, Jeremy Finger talks with John Diehl, CFP®, CLU®, ChFC®, to discuss how the changing landscape and meaning of retirement can affect you in the future and provides insight about how you can adapt to these changes as they arise.   John discusses:   What he learned about retirement at the MIT age lab Why the meaning of retirement has changed drastically over the past 100 years How your family dynamic could look different than previous generations' The most common myths about retirement and how you can avoid falling victim to them And more   Resources: Retire Happy Podcast: Living A Better Life Through Mindset and Fitness With Maria Angelova (Ep. 7)   Connect with John Diehl: Hartford Funds   Connect with Riverbend Wealth Management:   Riverbend Wealth Management 15 Minute Phone Appointment Linkedin: Jeremy Finger Facebook: Jeremy Finger Riverbend Wealth Management Twitter: Jeremy Finger   About Our Guest:    John Diehl is senior vice president of applied insights for Hartford Funds. He and his team are responsible for engaging and educating financial professionals and their clients about current and emerging opportunities in the financial-services marketplace. These opportunities range from tactical strategies in areas such as retirement-income planning, investment planning, and charitable planning, to anticipating and preparing for long-term demographic and lifestyle changes. John also oversees Hartford Funds' relationship with the Massachusetts Institute of Technology AgeLab. John joined the company in 1988 and was promoted to assistant vice president in 1991 and vice president in 1997. He was named senior vice president in 2007, while he led the Retirement and Wealth Consulting Group, which was responsible for building awareness and knowledge of retirement challenges and the latest planning strategies to address them. In 2012, John was named Senior Vice President, Applied Insights; in this role, he devotes his efforts to serving the needs of financial professionals and their clients. John has been widely quoted in consumer and trade publications such as The Wall Street Journal, Financial Planning, and On Wall Street. He has also appeared as a featured guest on CNBC and Bloomberg Television to discuss his views on retirement-related topics. John attended Moravian College in Bethlehem, Pennsylvania, where he earned a bachelor's degree in economics. He has been a CERTIFIED FINANCIAL PLANNERTM (CFP®) since 1991. In addition, he holds the Chartered Financial Consultant (ChFC®) and Chartered Life Underwriter (CLU®) designations. He is also FINRA Series 6, 7, 63, and 26 registered and holds a life and variable insurance license.

On this week's Lebenthal Report we welcome Tom Duncan. Tom Duncan is a senior director in the Advanced Consulting Group for Nationwide and has been with the company since 2000. He has written for numerous financial industry publications and is a much-requested speaker on annuity planning. Tom holds a Juris Doctor from the University of Dayton, a bachelor's degree in economics from Denison University and the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Chartered Advisor for Senior Living (CASL) designations. His areas of specialty include annuities, IRAs, retirement income planning and estate planning.

On this week's Lebenthal Report we welcome Tom Duncan. Tom Duncan is a senior director in the Advanced Consulting Group for Nationwide and has been with the company since 2000. He has written for numerous financial industry publications and is a much-requested speaker on annuity planning. Tom holds a Juris Doctor from the University of Dayton, a bachelor's degree in economics from Denison University, and the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), and Chartered Advisor for Senior Living (CASL) designations. His areas of specialty include annuities, IRAs, retirement income planning, and estate planning.

Don Hurzeler is our featured author on today's show. Don's book is Suddenly Retired: A Roadmap for What Comes Next. Hear Don talk about if retirement can be the best part of your life...even it's unexpected? Millions have gone the retirement route, but the path is difficult without experience, expertise and a trusty guide like this book. Suddenly Retired is packed with practical, fun, relatable stories and advice which could make the next years of your life, the best ever. Don Hurzeler is a retired CEO/President of an insurance company. He is also a Chartered Property and Casualty Underwriter (CPCU) and Chartered Life Underwriter (CLU). He served as the national president of the National Society of CPCU with 25,000 members. He is happily retired with his wife in Kailua-Kona, Hawaii.

One of my mentors often said price is irrelevant. He said he would sell anything for any price as long as he could define the terms of the deal. During this conversation today with Scott Haas about PBMs, that quote was playing in my head like an earworm. I'm henceforth gonna struggle with the term rebate to define dollars that the PBM gets back from Pharma, because, according to my guest in this healthcare podcast Scott Haas, it turns out “rebates” comprise only about 40% of those back-end dollars that some PBMs manage to score from pharma manufacturers. I don't have any insight really into this, but Scott Haas certainly does—and this is the average that he has seen in his work and that we're going to dig into today. But in sum … wow! Let me just repeat that a mere 40 cents on the dollar of the gross amount that PBMs take in “rebates” from Pharma these days winds up going back to plan sponsors, even plan sponsors who are getting “100% of the rebates.” If you didn't understand what I just said, no worries. I'm gonna explain it right now. If you did and you know the why behind all of this also, you could probably skip ahead about five minutes. Here's the backstory on this whole rebate fandango. Let's start with part one of what is a two-part transaction. So, part one: the deal between pharma manufacturers and PBMs. In general, a pharma manufacturer signs a deal with a PBM to give back whatever percentage of their gross sales revenue to the PBM at the end of the year, say. It's along the same lines as a cash-back coupon for the PBM. Why would a pharma company be up for giving cash back like this? Well, to get on a PBM's formulary, giving cash back is like the price of admission. PBMs have a lot of leverage, after all—at least the big ones. They control access to millions and millions of patient lives. So, if Pharma wants their drug to be accessible to those millions and millions of lives, they have to play the cash-back game, otherwise known as the rebate game. They have to agree to give back to the PBM a certain amount of cash on the back end. So, PBM pays Pharma's list price up front—that's the gross amount paid, based on the list price of the drug—and then after all the cash back gets toted up at the end of the year, there'll be a net price. List price or gross price minus the cash back equals net price. It's this net price that's the true kind of final price which the pharma company gets paid per script by said PBM at the end of the day. These days, most everybody pretty much knows that PBMs are getting these so-called rebates—this cash back from pharma companies that I just explained. And it's pretty common knowledge the so-called gross-to-net bubble (the gross-to-net dollar amount) is pretty huge, meaning the rebate or cash-back amount is pretty huge. And many have also noticed that the gross-to-net dollar amounts seem to be growing bigger and bigger every year. I mean, for one insulin manufacturer, consider this: Their list price, their gross price, is $350 per script. And their net price after cash back/rebates was $52 this past year. Wait ... what? After all the cash back to the PBM, the insulin manufacturer got paid 86% less than their list price—$350 went down to $52 per prescription. The PBM vacuumed up 86% of the dough for every script written for this particular brand of insulin.   OK … so, say Pharma gives $100 back to the PBM based on the terms of their deal. Call that part one of this example transaction. Here's part two: the deal between PBMs and health plans or self-insured employers. Health plans and self-insured employers are customers of the PBM. They hire PBMs to manage the pharmacy benefits for their members or employees. So, because everybody knows this whole rebate thing is going on, as part of the contracts that the PBMs put in place with their customers (meaning the health plans or employers), the PBMs tell their customers that they're going to give 100% of the rebates back to the plan/employer. So, you'd think that if the pharma manufacturer paid $100 to the PBM, that the customers of the PBM (the plan sponsors) would get the $100 back then, right? The PBM would pass on 100% of the savings, as it were, if they're saying that they're gonna give 100% of the rebates. I mean, if this is actually true, that $100 in and $100 out, then the PBM is potentially performing a useful service, right? They're lowering drug costs for their customer, the plan sponsors for their members and employees. Except … turns out, not so much. Because what is a rebate, really? A rebate can be anything the PBM defines as a rebate. And it turns out that, on average, as I said before, according to those in the know, something like $60 of that $100 is not a rebate. It's an administration fee. Or a data fee. Or an education fee. A clinical program fee. Some other name that is not rebate. As my guest Scott Haas says, the term rebate is meaningless because it can mean whatever the PBM wants it to mean. It's like inconceivable from The Princess Bride. I do not think that word rebate means what you think it means.   Now it is a tangled web we weave here, and for more on why I say that, listen to the episode with Chris Sloan (Encore! EP216) entitled “How Medicare Part D Plans Became Addicted to Drug Rebates.” There's also a show with Pramod John (EP353) where we dig into, specifically, specialty drugs and rebating and so-called rebate walls.   But net net, all of this probably myopic focus on rebates means that you have to keep an eagle eye out for so-called exclusions in contracts if you are a plan sponsor. So, what are exclusions? This is that whole thing where some cheap generic is excluded from a PBM formulary while some expensive brand for the same condition is on formulary. Why would a cheap generic be excluded from a PBM formulary? Simple. Cheap generics don't have rebates. PBMs lose a lot of money when some high-priced specialty drug, for example, goes generic. They might have made thousands of dollars per script on that high-priced brand by collecting its rebate. Think about that insulin example. The rebate is 86% of the cost of the drug. And everybody wonders why some cheap generic insulin or biosimilar or whatever isn't on formulary. It is not a mystery when you're dealing with for-profit enterprises built around a model of revenue maximization. So, given all this, what's my guest Scott Haas's bottom-line advice in this whole thing? If you're a health plan or employer and you're trying to negotiate a PBM contract where your spend is predictable and your contracted price promises have any meaning whatsoever, Scott Haas's advice is, you have to ensure that the contract defines the actual prices for the drugs in the contract. With absolute numbers. Not percentages off or weird formulas or the empty promise of getting an AWP or a WAC (which means average wholesale price or wholesale acquisition cost) or any of the other various acronyms for some drug pricing schema. All of these are basically shorthand for “this price could change at any moment.” There's a reason in-the-know people say AWP stands for “Ain't what's paid,” meaning ain't what's ultimately going to be paid by plan sponsors. What is necessary in PBM contracts is the final price—that number. Some digits with a dollar sign in front of them and a “per unit” after them. No acronyms and no percentage signs. Whoever gets to define the terms ultimately controls the price. So, get the price up front. As mentioned several times already, I am talking to Scott Haas, who is a senior VP over at USI Insurance Services. He's speaking today from the perspective of a plan sponsor, meaning from the point of view of a health plan, including those health plans managed by and paid for by a self-insured employer and their employees. For more information on PBMs and how drugs get adjudicated, listen to the show with AJ Loiacono (Encore! EP231), which was one of the most popular episodes over here at Relentless Health Value. Somebody on a LinkedIn post the other day commented on how much she appreciated AJ Loiacono's frank assessment of things and how she would love to go to a meeting with more people similarly telling it like it is. That's pretty much what we aim to do at every episode over here at Relentless Health Value, and AJ nails it on that objective for sure in this episode.   One last thing, also on the show: Scott Haas brings up GPOs that the Big Three PBMs have been spinning up to aggregate and maximize all of those rebates that we just talked about. I discuss this exact topic at some length in another incredibly popular episode with Mike Schneider (Encore! EP288).   You can learn more at usi.com or by emailing Scott at scott.haas@usi.com.  Scott Haas has over 38 years of employee benefits experience. His background includes the development and validation of care management programs; prescription benefit management solutions; provider network evaluation, valuation, and negotiation; and underwriting. Scott started and operationalized a third-party administrator (TPA) and a pharmacy benefit manager platform from scratch. He has worked in the arena of alternative funding for most of his career. Scott's primary focus is in the area of alternative delivery and financing of healthcare other than fee for service, along with prescription benefit and healthcare risk management consulting. Scott has held officer-level positions within Blues plans and TPAs as vice president of sales and marketing, vice president of underwriting, and president. Scott has also served as a trustee for both union and non-union health and welfare and pension plans. Scott frequently shares his consulting expertise speaking at national events hosted by organizations such as Health Rosetta, the International Foundation of Employee Benefits, the Health and Welfare Plan Management Conference, the Western Pension and Benefits Conference, and the Self-Insurance Institute of America (SIIA). Scott has authored and coauthored articles on various topics over his career. Scott earned his bachelor's degree in business administration and economics from the University of Nebraska at Kearney. Scott also holds Chartered Life Underwriter (CLU) and Registered Health Underwriter (RHU) designations. 10:29 What's the major flaw with the buyer-seller relationship between plan sponsors and PBMs? 12:04 What are the five things that need to be considered in order to get a fair price from a PBM? 13:16 Why does using average wholesale price cause problems for plan sponsors? 15:05 What does it mean to put the network risk on the PBM? 17:10 What's happening with drugs moving from specialty brand to specialty generic? 19:14 “A generic is a generic; in our world, it's binary.” 23:31 “The term 100% of rebates is really irrelevant.” 23:54 What does it mean to have a minimum guarantee in drug rebates? 26:39 “When you do a line-item assessment … is it producing an optimal result in comparison to competitively achieved … pricing for generics … and for specialty?” 27:52 “Plan sponsors need to grow a backbone.” 28:36 EP342 with Christin Deacon.29:05 Why do you need to understand your consultant's process as a plan sponsor? 29:30 Why do you need to understand formulary exclusions as a plan sponsor? 29:41 Why is it important to create a more equal PBM contract? 30:52 “Rebates inure to the benefit of the plan sponsor; they don't necessarily benefit the consumer.” 31:45 What does Scott do at USI? You can learn more at usi.com or by emailing Scott at scott.haas@usi.com.  Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast What's the major flaw with the buyer-seller relationship between plan sponsors and PBMs? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast What are the five things that need to be considered in order to get a fair price from a PBM? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast Why does using average wholesale price cause problems for plan sponsors? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast What does it mean to put the network risk on the PBM? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast What's happening with drugs moving from specialty brand to specialty generic? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast “A generic is a generic; in our world, it's binary.” Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast “The term 100% of rebates is really irrelevant.” Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast What does it mean to have a minimum guarantee in drug rebates? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast “When you do a line-item assessment … is it producing an optimal result in comparison to competitively achieved … pricing for generics … and for specialty?” Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast “Plan sponsors need to grow a backbone.” Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast Why do you need to understand your consultant's process as a plan sponsor? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast Why do you need to understand formulary exclusions as a plan sponsor? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast Why is it important to create a more equal PBM contract? Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast “Rebates inure to the benefit of the plan sponsor; they don't necessarily benefit the consumer.” Scott Haas of @USIIns discusses #PBMs and #drugrebates on our #healthcarepodcast. #healthcare #podcast   Recent past interviews: Click a guest's name for their latest RHV episode! David Muhlestein, David Scheinker, Ali Ucar, Dr Carly Eckert, Jeb Dunkelberger (EP360), Dan O'Neill, Dr Wayne Jenkins, Liliana Petrova, Ge Bai, Nikhil Krishnan, Shawn Rhodes, Pramod John (EP353), Pramod John (EP352), Dr Eric Bricker, Katy Talento, Stacey Richter (INBW33), Stacey Richter (INBW32), Dr Steve Schutzer (Encore! EP294), Lisa Trumble, Jeb Dunkelberger, Dr Ian Tong, Mike Schneider, Peter Hayes, Paul Simms, Dr Steven Quimby, Dr David Carmouche (EP343), Christin Deacon, Gary Campbell  

Do You Want to Be In Business with Your Partner's Crazy Spouse? I know it sounds a little strange but when you enter a partnership, you may be setting yourself up to be in business with your partner's family in the event of their death. This is a COMPLETELY AVOIDABLE situation if you have a good agreement and an insurance policy that will fund a buyout of your partners estate. On this episode of the Inside BS Show, we address this issue and other events you should think about and plan for in your business and your life. Chapters00:00 Introduction to Financial Coaching01:00 How John Became a Financial Coach03:00 How Can Insurance Lead to a Better and More Secure Retirement?05:19 Why is Long Term Care Insurance Necessary?08:15 The Best Time to Invest in an Insurance Policy10:00 What Should a Young Person Think About when It Comes to Insurance?14:40 What About a Insurance for the Spouse Who Does Not Work Outside the Home?16:00 How can Insurance Be Used as an Asset Protection Tool?22:00 What Business Owners and Professionals Can Do to Shelter Income from Taxes25:10 John Gotschall Client Success Stories29:14 Why is Key Person Insurance Important?34:20 How John Got Into Financial Services36:39 How Does John Get new Clients?38:00 What Groups Does John Gotschall Belong To?John Gotschall's Contact Information(847) 813-5511johng@coachfinancial.comhttp://www.coachfinancial.comAbout John GotschallJohn started Coaching Financial in March 1998 and Coaching Insurance in January 2009. He is an expert in employee benefits with specialty in group health plans working as a broker. Coaching Financial and Coaching Insurance support small to large companies.Coaching Financial is based around sports. We coach our clients and help them win daily! People matter - we treat our team and clients the way we would want to be treated. The Golden Rule. John is a veteran financial planner with licenses in Life, Health, and Property & Casualty licensee -Series 6, 7, and 63 licensee -Registered Representative, The Leaders Group, Inc.,1998 -Chartered Life Underwriter (CLU), 2003.

On this episode of Investor Connect, Hall welcomes Craig Martin, Founder, and President at The Family Wealth Consulting Group.The Family Wealth Consulting Group is a family-owned and operated fee-only financial planning firm that has been a fiduciary with clients in Silicon Valley, California, for over 35 years. This family-centric team focuses on helping families maximize financial resources for today, as well as for generations to come. FWCG's unique expertise is building portfolios including alternative investments that give clients more money during their retirement years, as well as helping families manage the tax and estate planning issues that are top of mind for many clients who have a net worth. Craig has been coordinating estate and income tax planning with investments and cash flow for high-net-worth clients of Silicon Valley since 1976.  He was an early adopter in 1990 when he converted his firm to fee-only because of his conviction to being a fiduciary so he could remain agnostic to which product or ideas he was advising, only with a dedication to helping clients make informed decisions.  Because Craig is dedicated to continuous education in an evolving financial industry, he is convinced of the importance of building risk-managed portfolios using dissimilar price movement asset classes. He considers alternatives as some of the most efficient risk-management tools, so he offers alternative investments to his clients now using two different funds, where he is now co-investing with clients as an angel investor in start-up businesses. He has extensive experience in performing due diligence on start-up businesses because he has participated in dozens of due diligence teams along with other members of Keiretsu Forum, the largest angel investment group in the world. He teaches due diligence to entrepreneurs and other angel investors in the Keiretsu Academy as well as leading focused academies on this topic for the angel investment community of both angels and entrepreneurs.  Craig earned the Master of Science in Financial Services (MSFS) in 1989 from The American College out of Bryn Mawr, PA, the largest and oldest institution exclusively dedicated to the financial industry. He also has qualified for several undergraduate level designations from that same college, including the Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU), and then earned the mark of Certified Financial Planner (CFP) from the CFP Board of Standards.  He has taught financial planning classes at the University of California at Berkeley.  Craig speaks about the state of angel investing and the biggest change he thinks we will see in the next year or two. He also discusses some of the challenges startups and investors face.  You can visit The Family Wealth Consulting Group at and , and via LinkedIn at .  Craig can be contacted via email at , and via LinkedIn at .   _________________________________________________________________________ For more episodes from Investor Connect, please visit the site at:    Check out our other podcasts here:   For Investors check out:   For Startups check out:   For eGuides check out:   For upcoming Events, check out    For Feedback please contact info@tencapital.group    Please , share, and leave a review. Music courtesy of .

Mac is experienced with with over a combined 40 years in banking and insurance.He was with New England Securities, Multi-Financial Securities and Cetera Advisors over a combined 25 years as a broker and an investment advisor representative.Aside from his time in college, He has resided in Aiken since 1955. After graduation from Aiken High School, he attended both The Citadel and the United States Naval Academy where I earned a Block N as a Brigade boxing champion. He graduated from the University of South Carolina with a degree in business management and has his masters degree in education administration. At USC, he lettered in football, was a member of the Block C Club, residence hall counselor and served as president of Delta Sigma Pi, professional business administration fraternity.Professionally, not only was he formerly a National Board Certified Teacher in social studies, but holds Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations from the American College in Bryn Mawr, PA. He was a Fellow of the Life Underwriter Training Council and moderated courses for agents in life and disability insurance.Before moving to Aiken, the road to Eagle Scout taught him many lessons that he honors to this day, especially as they pertain to service to others. Since his return to Aiken in 1964, he has been active in his church, St. Thaddeus Episcopal, as a Girl Scout troop leader, former vestry member, teacher, committee member, coach, Mead Hall board member, Lay Reader, Eucharistic Minister, and Lay Visitor.Service and veteran organizations include the American Legion; Jaycees (past president, regional vice president and was honored as a key man and outstanding state chairman); Aiken Association of Life Underwriters (president); Salvation Army (board of directors); mentor to Georgia-Carolina Council Boy Scouts and adults; coach for Aiken Parks and Recreation teams; Aiken County Public Schools middle school rezoning committee chairman; coach of Aiken High School academic team for 17 years (thanks to the students the team became one of the nation's best). Mac was named by the South Carolina Department of Education and the State Board of Education as a South Carolina Ambassador of Academic Excellence.Mac credits his deceased wife with their following the path of servanthood. She taught him much and he actively participated with her in reaching out to others. They were blessed with four children. two of which are disabled (Catherine and Chris) and all of whom live in Aiken. Jim, the eldest is a Wofford grad and football All-American who is married to the former Anita Tatum, a regular in Heart Fund productions. They have one daughter, Tatum. Their youngest son, David, magna cum laud graduate of USC-Aiken and masters degree in education leadership from Ole Miss. He coordinates testing for the Aiken County School District and is married to the former Tara Jean Wessinger, an art teacher at Aiken High. They are the parents of Cody and Zoe.Call Mac today to schedule time to get rid of your gorilla in the room especially if your concern is about insurance, annuities, long term care or college planning;Neither Carey (Mac) Hanna, nor his company give legal or tax advice. Refer to your tax, legal or financial advisor. Mac and his company believe in striving for wealth beyond wall street to mitigate potential losses through downturns or volatility in the stock market and preservation of capital. Mac is licensed in South Carolina, North Carolina, Georgia, Florida, Alabama and Virginia.Learn More:https://www.machanna.net/E-mail: mhanna@gforcecable.comPhone (803) 270-9248Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-carey-mac-hanna-on-leaving-money-to-loved-ones

Mac is experienced with with over a combined 40 years in banking and insurance.He was with New England Securities, Multi-Financial Securities and Cetera Advisors over a combined 25 years as a broker and an investment advisor representative.Aside from his time in college, He has resided in Aiken since 1955. After graduation from Aiken High School, he attended both The Citadel and the United States Naval Academy where I earned a Block N as a Brigade boxing champion. He graduated from the University of South Carolina with a degree in business management and has his masters degree in education administration. At USC, he lettered in football, was a member of the Block C Club, residence hall counselor and served as president of Delta Sigma Pi, professional business administration fraternity.Professionally, not only was he formerly a National Board Certified Teacher in social studies, but holds Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations from the American College in Bryn Mawr, PA. He was a Fellow of the Life Underwriter Training Council and moderated courses for agents in life and disability insurance.Before moving to Aiken, the road to Eagle Scout taught him many lessons that he honors to this day, especially as they pertain to service to others. Since his return to Aiken in 1964, he has been active in his church, St. Thaddeus Episcopal, as a Girl Scout troop leader, former vestry member, teacher, committee member, coach, Mead Hall board member, Lay Reader, Eucharistic Minister, and Lay Visitor.Service and veteran organizations include the American Legion; Jaycees (past president, regional vice president and was honored as a key man and outstanding state chairman); Aiken Association of Life Underwriters (president); Salvation Army (board of directors); mentor to Georgia-Carolina Council Boy Scouts and adults; coach for Aiken Parks and Recreation teams; Aiken County Public Schools middle school rezoning committee chairman; coach of Aiken High School academic team for 17 years (thanks to the students the team became one of the nation's best). Mac was named by the South Carolina Department of Education and the State Board of Education as a South Carolina Ambassador of Academic Excellence.Mac credits his deceased wife with their following the path of servanthood. She taught him much and he actively participated with her in reaching out to others. They were blessed with four children. two of which are disabled (Catherine and Chris) and all of whom live in Aiken. Jim, the eldest is a Wofford grad and football All-American who is married to the former Anita Tatum, a regular in Heart Fund productions. They have one daughter, Tatum. Their youngest son, David, magna cum laud graduate of USC-Aiken and masters degree in education leadership from Ole Miss. He coordinates testing for the Aiken County School District and is married to the former Tara Jean Wessinger, an art teacher at Aiken High. They are the parents of Cody and Zoe.Call Mac today to schedule time to get rid of your gorilla in the room especially if your concern is about insurance, annuities, long term care or college planning;Neither Carey (Mac) Hanna, nor his company give legal or tax advice. Refer to your tax, legal or financial advisor. Mac and his company believe in striving for wealth beyond wall street to mitigate potential losses through downturns or volatility in the stock market and preservation of capital. Mac is licensed in South Carolina, North Carolina, Georgia, Florida, Alabama and Virginia.Learn More:https://www.machanna.net/E-mail: mhanna@gforcecable.comPhone (803) 270-9248Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-carey-mac-hanna-on-leaving-money-to-loved-ones

Welcome back to Don't Retire... Graduate! Our guest on today's episode has been teaching retirees and pre-retirees how to preserve their assets and increase their income for twenty years. Patrick Strubbe is the author of Save Your Retirement from Mass Destruction by the 7 Retirement Villains. He's here to talk about those villains and how we can stop them from thwarting our retirement plans. In this episode we'll talk about: The seven villains that put your retirement at risk Longevity and the fear of outliving your money Inflation and how it can derail retirement for those on fixed income The taxes we pay in retirement and the importance of planning for them Understanding what health care costs will be paid out of pocket in retirement, what will be covered by Medicare, and what protections you can put in place to help cover costs The importance of understanding the fees and costs associated with different savings and investment accounts  Dollar cost averaging and why accounts should be strategically set up so that you aren't pulling from principle Looking into alternative or nontraditional asset classes to diversify your portfolio away from only stocks and bonds About Patrick Strubbe: For over 20 years, Pat has taught retirees and pre-retirees how to preserve their assets and increase their income.  Pat is a recurring guest on the WIS-TV (NBC) news. He has been featured in USA Today, Investor's Business Daily and other national publications for his knowledge in the field of financial planning. Pat is a Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®) and Registered Financial Consultant (RFC®).  You can listen to Pat host the radio show “Save Your Retirement®” on WVOC-AM. He is also the author of the book “Save Your Retirement from Mass Destruction by the 7 Retirement Villains!” and “Retirement with Confidence.”  Pat lives in Columbia, South Carolina, with his beautiful wife, Janelle. He is the proud father of four children: Carter, Ava, Gabriella and Isla. Pat enjoys watching NBA basketball games with his friends and family. He loves to see his favorite team, the L.A. Lakers, whenever he can. An active member of Hope Lutheran Church in Irmo, Pat has served as an elder of finances since 2003. Links: Patrick's books:  The Retirement Secret: A Simple Approach to Financial Peace-of-Mind Save Your Retirement! 3rd Edition: Save Your Retirement From Mass Destruction by the 7 Retirement Villains!

Mac is experienced with with over a combined 40 years in banking and insurance.He was with New England Securities, Multi-Financial Securities and Cetera Advisors over a combined 25 years as a broker and an investment advisor representative.Aside from his time in college, He has resided in Aiken since 1955. After graduation from Aiken High School, he attended both The Citadel and the United States Naval Academy where I earned a Block N as a Brigade boxing champion. He graduated from the University of South Carolina with a degree in business management and has his masters degree in education administration. At USC, he lettered in football, was a member of the Block C Club, residence hall counselor and served as president of Delta Sigma Pi, professional business administration fraternity.Professionally, not only was he formerly a National Board Certified Teacher in social studies, but holds Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations from the American College in Bryn Mawr, PA. He was a Fellow of the Life Underwriter Training Council and moderated courses for agents in life and disability insurance.Before moving to Aiken, the road to Eagle Scout taught him many lessons that he honors to this day, especially as they pertain to service to others. Since his return to Aiken in 1964, he has been active in his church, St. Thaddeus Episcopal, as a Girl Scout troop leader, former vestry member, teacher, committee member, coach, Mead Hall board member, Lay Reader, Eucharistic Minister, and Lay Visitor.Service and veteran organizations include the American Legion; Jaycees (past president, regional vice president and was honored as a key man and outstanding state chairman); Aiken Association of Life Underwriters (president); Salvation Army (board of directors); mentor to Georgia-Carolina Council Boy Scouts and adults; coach for Aiken Parks and Recreation teams; Aiken County Public Schools middle school rezoning committee chairman; coach of Aiken High School academic team for 17 years (thanks to the students the team became one of the nation's best). Mac was named by the South Carolina Department of Education and the State Board of Education as a South Carolina Ambassador of Academic Excellence.Mac credits his deceased wife with their following the path of servanthood. She taught him much and he actively participated with her in reaching out to others. They were blessed with four children. two of which are disabled (Catherine and Chris) and all of whom live in Aiken. Jim, the eldest is a Wofford grad and football All-American who is married to the former Anita Tatum, a regular in Heart Fund productions. They have one daughter, Tatum. Their youngest son, David, magna cum laud graduate of USC-Aiken and masters degree in education leadership from Ole Miss. He coordinates testing for the Aiken County School District and is married to the former Tara Jean Wessinger, an art teacher at Aiken High. They are the parents of Cody and Zoe.Call Mac today to schedule time to get rid of your gorilla in the room especially if your concern is about insurance, annuities, long term care or college planning;Learn More:https://www.machanna.net/E-mail: mhanna@gforcecable.comPhone (803) 270-9248 Neither Carey (Mac) Hanna, nor his company give legal or tax advice. Refer to your tax, legal or financial advisor. Mac and his company believe in striving for wealth beyond wall street to mitigate potential losses through downturns or volatility in the stock market and preservation of capital. Mac is licensed in South Carolina, North Carolina, Georgia, Florida, Alabama and Virginia.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-carey-mac-hanna-should-an-annuity-be-part-of-a-retirement-portfolio

Mac is experienced with with over a combined 40 years in banking and insurance.He was with New England Securities, Multi-Financial Securities and Cetera Advisors over a combined 25 years as a broker and an investment advisor representative.Aside from his time in college, He has resided in Aiken since 1955. After graduation from Aiken High School, he attended both The Citadel and the United States Naval Academy where I earned a Block N as a Brigade boxing champion. He graduated from the University of South Carolina with a degree in business management and has his masters degree in education administration. At USC, he lettered in football, was a member of the Block C Club, residence hall counselor and served as president of Delta Sigma Pi, professional business administration fraternity.Professionally, not only was he formerly a National Board Certified Teacher in social studies, but holds Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations from the American College in Bryn Mawr, PA. He was a Fellow of the Life Underwriter Training Council and moderated courses for agents in life and disability insurance.Before moving to Aiken, the road to Eagle Scout taught him many lessons that he honors to this day, especially as they pertain to service to others. Since his return to Aiken in 1964, he has been active in his church, St. Thaddeus Episcopal, as a Girl Scout troop leader, former vestry member, teacher, committee member, coach, Mead Hall board member, Lay Reader, Eucharistic Minister, and Lay Visitor.Service and veteran organizations include the American Legion; Jaycees (past president, regional vice president and was honored as a key man and outstanding state chairman); Aiken Association of Life Underwriters (president); Salvation Army (board of directors); mentor to Georgia-Carolina Council Boy Scouts and adults; coach for Aiken Parks and Recreation teams; Aiken County Public Schools middle school rezoning committee chairman; coach of Aiken High School academic team for 17 years (thanks to the students the team became one of the nation's best). Mac was named by the South Carolina Department of Education and the State Board of Education as a South Carolina Ambassador of Academic Excellence.Mac credits his deceased wife with their following the path of servanthood. She taught him much and he actively participated with her in reaching out to others. They were blessed with four children. two of which are disabled (Catherine and Chris) and all of whom live in Aiken. Jim, the eldest is a Wofford grad and football All-American who is married to the former Anita Tatum, a regular in Heart Fund productions. They have one daughter, Tatum. Their youngest son, David, magna cum laud graduate of USC-Aiken and masters degree in education leadership from Ole Miss. He coordinates testing for the Aiken County School District and is married to the former Tara Jean Wessinger, an art teacher at Aiken High. They are the parents of Cody and Zoe.Call Mac today to schedule time to get rid of your gorilla in the room especially if your concern is about insurance, annuities, long term care or college planning;Learn More:https://www.machanna.net/E-mail: mhanna@gforcecable.comPhone (803) 270-9248 Neither Carey (Mac) Hanna, nor his company give legal or tax advice. Refer to your tax, legal or financial advisor. Mac and his company believe in striving for wealth beyond wall street to mitigate potential losses through downturns or volatility in the stock market and preservation of capital. Mac is licensed in South Carolina, North Carolina, Georgia, Florida, Alabama and Virginia.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-carey-mac-hanna-should-an-annuity-be-part-of-a-retirement-portfolio

Mac is experienced with with over a combined 40 years in banking and insurance.He was with New England Securities, Multi-Financial Securities and Cetera Advisors over a combined 25 years as a broker and an investment advisor representative.Aside from his time in college, He has resided in Aiken since 1955. After graduation from Aiken High School, he attended both The Citadel and the United States Naval Academy where I earned a Block N as a Brigade boxing champion. He graduated from the University of South Carolina with a degree in business management and has his masters degree in education administration. At USC, he lettered in football, was a member of the Block C Club, residence hall counselor and served as president of Delta Sigma Pi, professional business administration fraternity.Professionally, not only was he formerly a National Board Certified Teacher in social studies, but holds Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations from the American College in Bryn Mawr, PA. He was a Fellow of the Life Underwriter Training Council and moderated courses for agents in life and disability insurance.Before moving to Aiken, the road to Eagle Scout taught him many lessons that he honors to this day, especially as they pertain to service to others. Since his return to Aiken in 1964, he has been active in his church, St. Thaddeus Episcopal, as a Girl Scout troop leader, former vestry member, teacher, committee member, coach, Mead Hall board member, Lay Reader, Eucharistic Minister, and Lay Visitor.Service and veteran organizations include the American Legion; Jaycees (past president, regional vice president and was honored as a key man and outstanding state chairman); Aiken Association of Life Underwriters (president); Salvation Army (board of directors); mentor to Georgia-Carolina Council Boy Scouts and adults; coach for Aiken Parks and Recreation teams; Aiken County Public Schools middle school rezoning committee chairman; coach of Aiken High School academic team for 17 years (thanks to the students the team became one of the nation's best). Mac was named by the South Carolina Department of Education and the State Board of Education as a South Carolina Ambassador of Academic Excellence.Mac credits his deceased wife with their following the path of servanthood. She taught him much and he actively participated with her in reaching out to others. They were blessed with four children. two of which are disabled (Catherine and Chris) and all of whom live in Aiken. Jim, the eldest is a Wofford grad and football All-American who is married to the former Anita Tatum, a regular in Heart Fund productions. They have one daughter, Tatum. Their youngest son, David, magna cum laud graduate of USC-Aiken and masters degree in education leadership from Ole Miss. He coordinates testing for the Aiken County School District and is married to the former Tara Jean Wessinger, an art teacher at Aiken High. They are the parents of Cody and Zoe.Call Mac today to schedule time to get rid of your gorilla in the room especially if your concern is about insurance, annuities, long term care or college planning;Neither Carey (Mac) Hanna, nor his company give legal or tax advice. Refer to your tax, legal or financial advisor. Mac and his company believe in striving for wealth beyond wall street to mitigate potential losses through downturns or volatility in the stock market and preservation of capital. Mac is licensed in South Carolina, North Carolina, Georgia, Florida, Alabama and Virginia.Learn More:https://www.machanna.net/E-mail: mhanna@gforcecable.comPhone (803) 270-9248Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-carey-mac-hanna-on-making-wise-decisions-on-retirement-planning

Mac is experienced with with over a combined 40 years in banking and insurance.He was with New England Securities, Multi-Financial Securities and Cetera Advisors over a combined 25 years as a broker and an investment advisor representative.Aside from his time in college, He has resided in Aiken since 1955. After graduation from Aiken High School, he attended both The Citadel and the United States Naval Academy where I earned a Block N as a Brigade boxing champion. He graduated from the University of South Carolina with a degree in business management and has his masters degree in education administration. At USC, he lettered in football, was a member of the Block C Club, residence hall counselor and served as president of Delta Sigma Pi, professional business administration fraternity.Professionally, not only was he formerly a National Board Certified Teacher in social studies, but holds Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations from the American College in Bryn Mawr, PA. He was a Fellow of the Life Underwriter Training Council and moderated courses for agents in life and disability insurance.Before moving to Aiken, the road to Eagle Scout taught him many lessons that he honors to this day, especially as they pertain to service to others. Since his return to Aiken in 1964, he has been active in his church, St. Thaddeus Episcopal, as a Girl Scout troop leader, former vestry member, teacher, committee member, coach, Mead Hall board member, Lay Reader, Eucharistic Minister, and Lay Visitor.Service and veteran organizations include the American Legion; Jaycees (past president, regional vice president and was honored as a key man and outstanding state chairman); Aiken Association of Life Underwriters (president); Salvation Army (board of directors); mentor to Georgia-Carolina Council Boy Scouts and adults; coach for Aiken Parks and Recreation teams; Aiken County Public Schools middle school rezoning committee chairman; coach of Aiken High School academic team for 17 years (thanks to the students the team became one of the nation's best). Mac was named by the South Carolina Department of Education and the State Board of Education as a South Carolina Ambassador of Academic Excellence.Mac credits his deceased wife with their following the path of servanthood. She taught him much and he actively participated with her in reaching out to others. They were blessed with four children. two of which are disabled (Catherine and Chris) and all of whom live in Aiken. Jim, the eldest is a Wofford grad and football All-American who is married to the former Anita Tatum, a regular in Heart Fund productions. They have one daughter, Tatum. Their youngest son, David, magna cum laud graduate of USC-Aiken and masters degree in education leadership from Ole Miss. He coordinates testing for the Aiken County School District and is married to the former Tara Jean Wessinger, an art teacher at Aiken High. They are the parents of Cody and Zoe.Call Mac today to schedule time to get rid of your gorilla in the room especially if your concern is about insurance, annuities, long term care or college planning;Neither Carey (Mac) Hanna, nor his company give legal or tax advice. Refer to your tax, legal or financial advisor. Mac and his company believe in striving for wealth beyond wall street to mitigate potential losses through downturns or volatility in the stock market and preservation of capital. Mac is licensed in South Carolina, North Carolina, Georgia, Florida, Alabama and Virginia.Learn More:https://www.machanna.net/E-mail: mhanna@gforcecable.comPhone (803) 270-9248Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-carey-mac-hanna-on-making-wise-decisions-on-retirement-planning

Adam McInroy joins Two Nobodys for a conversation about financial planning, the challenging job of consulting on other people's wealth especially when equity markets dropped in March 2020. This is a wide ranging conversation covering, health, fitness, investing, and financial planning. -- Website: https://advisor.investorsgroup.com/en/adam_mcinroy Adam McInroy, CFP, CLU is an Executive Financial Consultant with one of the largest asset managers in Canada. He and his family live in Peterborough, Ontario. After attending the University of Waterloo and obtaining his BSc in Kinesiology, Adam began working for a large US based company in downtown Toronto. After a year with that employer Adam moved to Peterborough to work for a large international company in their Health and Safety department. After several years and upon the birth of his son, Adam realized that his career, although great, was not one which he took pride in and was excited about doing for the next 30 years. After a lot of research and after further education, Adam changed careers into the work of Financial Planning. Adam chose to build his practice with one of the largest asset managers in Canada and is ranked in the top 10 asset managers globally. Due to the ability to focus beyond a portfolio and truly look at a comprehensive financial picture to maximize a clients return on life. He has continued to further his education and achieved the internationally recognized designation as a Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU). Outside of the office, Adam is actively involved in his community, whether coaching his daughters soccer team, volunteering with multiple charities, doing canoe trips with his son or training at his local BJJ club, Adam is constantly seeking to improve himself, his family and the community in which Adam serves.

On today's episode of PopHealth Week our guest is Scott Haas, Sr. Vice President of Integrated Healthcare Metrics at Wells Fargo Insurance Services USA, Inc. We discuss innovation in the employee health benefits space and the vital role of primary care to advance the interests of the triple aim especially countering the legacy incentives of fee-for-service motivated specialists as agents of the 'heads in beds'model of most U.S. health systems - with some IDN exceptions embracing capitation of value based care models. Scott earned a B.S. in business administration and economics from the University of Nebraska at Kearny. He holds Chartered Life Underwriter (CLU) and Registered Health Underwriter (RHU) designations. Scott has over 30 years of employee benefits experience developing and validating acute and chronic care management programs; prescription benefit management (PBM) solutions; provider network evaluation, valuation, and negotiation; and underwriting. Scott started and operationalized a Third-Party-Administrator (TPA) and a PBM platform from scratch and has worked in the arena of alternative funding for the majority of his career. He has held officer-level positions within Blues plans and TPAs as Vice President of Sales and Marketing; Vice President of Underwriting; and President. Scott also served as trustee for both union and non-union health and welfare and pension plans and frequently shares his consulting expertise speaking at national events hosted by  the International Foundation of Employee Benefits; Health and Welfare Plan Management Conference; Western Pension and Benefits Council; and the Self-Insurance Institute of America. For more information or to follow Scott's work go to www.usi.com/ ==##==  

This week on The Millionaire Choice Podcast, Tony talks with Eric Brotman, host of Don’t Retire…Graduate!, about empowering families through financial planning. Raising a family isn’t easy, but it can be easier with the right financial planning and decisions! About EricEric D. Brotman, CFP®, AEP®, CPWA® is Chief Executive Officer of BFG Financial Advisors, an independent firm assisting clients with wealth creation, preservation, and distribution. Mr. Brotman began his financial planning practice in Baltimore in 1994, and founded Brotman Financial Group in 2003, which later changed its corporate identity to BFG Financial Advisors. He provides investment, retirement, estate, insurance, and comprehensive financial planning services for families, professionals, executives, and business owners, all of whom enjoy extraordinary client service from working with multiple CFP® Practitioners and a team of specialists. Mr. Brotman holds a Bachelor of Arts degree from the University of Pennsylvania. He earned his CERTIFIED FINANCIAL PLANNERTM (CFP®) certification in 1998, and completed his Master’s Degree in Financial Services (MSFS) at the American College in 2003. He is also an Accredited Estate Planner (AEP®), a Certified Private Wealth Advisor (CPWA®), a Chartered Life Underwriter (CLU), a Chartered Financial Consultant (ChFC), a Chartered Advisor in Senior Living (CASL), and a Retirement Income Certified Professional® (RICP®). Mr. Brotman is a Registered Representative with Kestra Investment Services and an Investment Advisor Representative with Kestra Advisory Services. Mr. Brotman is serving a four-year term on the Board of Trustees for the Maryland State Retirement & Pension System as an appointee of Governor Larry Hogan. He is a champion for financial literacy education, serving on the Business Advisory Council for the Comptroller of Maryland. He is a 2009 alumnus and former Chairman of the Board of Directors of Leadership Maryland. Additionally, Mr. Brotman serves on the Board of Trustees and is the Chairman of the University Advancement Committee at Stevenson University, where he previously served as an adjunct faculty member, teaching financial planning and investment planning courses to CFP® students. He is a 2006 alumnus and former board member of Leadership-Baltimore County, the Past-President and Chairman of the Board of the Financial Planning Association of Maryland, and a member of the Baltimore Estate Planning Council. Mr. Brotman is the host of the “Don’t Retire… Graduate!” podcast, available at www.dontretiregraduate.com, and recently published “Pay Less Taxes Now! Four strategies to Help Reduce Your Taxes Legally,” available for free download at www.lowtaxbook.com. His most recent book, “Retire Wealthy: The Tools You Need to Help Build Lasting Wealth – On Your Own or With Your Financial Advisor,” was published in 2014 and is available at most online book retailers. A sought-after speaker, he frequently gives seminars and workshops for companies, membership organizations, and fellow financial advisors. Mr. Brotman appears regularly on television on 11 News Sunday Morning on WBAL in Baltimore, and has also been interviewed by WMAR Baltimore / ABC2 News. He has appeared in print in Wall Street Journal, The Baltimore Sun, Baltimore Business Journal,The Daily Record, Smart CEO, Investment Advisor, Fidelity Investor’s Weekly, Investment News, Journal of Financial Planning, Crain’s Baltimore, and numerous other publications. He has been featured on various websites, including Yahoo! Finance, ChiefExecutive.com, Reuters.com, Financial-Planning.com, and Forbes.com, and has appeared on a variety of radio programs, including the Marilu Henner Show and KGO News in San Francisco. Mr. Brotman was named as one of the “Maryland Power Players” by The Gazette of Politics and Business in 2010 and one of the “Very Important Professionals” by The Daily Record in 2011.See omnystudio.com/listener for privacy information.

What happens when someone who's purpose-driven achieves financial independence and doesn't need to work anymore?  How do they create a purpose-driven life in retirement? Casey Weade, the author of  Job Optional*: *The science of retiring with confidence; the art of living with purpose, shares his insights on how to retire with purpose. _______________________ Bio Casey Weade is a sought-after retirement planning professional, speaker and CEO/Chief Visionary of the national financial firm, Howard Bailey. He hosts the "Retire with Purpose" radio, TV show and podcast--providing sound financial guidance to pre-retirees and retirees across the country. He is also a member of the Forbes Finance Council and is a Certified Financial Planner™ (CFP®), Chartered Life Underwriter (CLU®), Retirement Income Certified Professional® (RICP®), an Investment Advisor Representative, and holds licenses in Life, Accident, and Health insurance. Casey's not only passionate about guiding people toward a financially secure retirement, but he also zones in on what your Golden Years might look like. His "Purpose-Based Retirement" philosophy begins with finding your "why" and building a plan to protect that. In Casey's words, "The path to retirement is all about utilizing offensive strategies. But once you actually get there, the game switches to defending your purpose for retirement, and in turn your life savings from the major risks it will face." Casey is a lifelong Midwest native, and currently resides in Fort Wayne, IN, with his wife and two sons. He sponsors the Howard Bailey Junior Golf Tour as part of the Indiana Golf Foundation, and continues to stay active in his own community by supporting small businesses, local organizations and charities throughout the year. __________________________ Wise Quotes On How to Retire with Purpose "And by going back to work and no longer needing the money, he was able to help people tenfold because he was there for the right reasons. He was there to share what he had learned, his experiences, his knowledge, and his talents with other individuals to help them. And I think every retiree has those things that they've built up throughout their career. That's one of the biggest opportunities that we have as a generation, and as a firm, is to help individuals recognize what those talents are. We go through this working life of say 30, 40, 50 years of experience. And we're really good at some of those things that we did while we're working. It may feel like we no longer want to work. And that may be true that you no longer want to work, but there are certain elements of everyone's career that they actually truly enjoy. And those are usually the areas that Dan Sullivan, a strategic coach, one of my coaches, would say is your unique ability. We uncover those unique abilities, those things that you're really amazing at that you can get lost in doing for hours upon hours. Those are your areas of the biggest impact. And once you reach that level of financial freedom, where you're no longer needing the money, you can pull those elements out of your career. You can pull those unique abilities into your future. And now you can focus all of your time and attention into those areas where you make the biggest impact and all ultimately deliver the most meaning and purpose to your life as a result of delivering that into other people's lives." On the Risk of Inaction "And then we get into strengths, it's, Hey, what are your strengths? Well, you might have a strength in delegation. Maybe you have a strength in the amount of wealth that you've accumulated. Maybe you have a strength in your ability to really think deeply about your future. And we're able to work ourselves through that process, from dangers to opportunities to strengths, to create clarity. And if we don't have clarity, that's going to lead us to overwhelm. It's going to lead us to paralysis by analysis.

Carl has been working to provide clients with top-tier financial solutions since 1975. After graduating from college, Carl followed in his grandfather's footsteps and entered the financial industry. Carl founded Wall Street Financial Group in 1988 and now has offices in Carlinville, Bloomington, and Marion, IL, as well as in Memphis, Tennessee. Carl has earned many designations and degrees, including a Bachelor of Arts from the University of Illinois and a Master of Science in financial services degree (MSFS) from The American College. Carl also holds the designations of CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Life Underwriter (CLU®), Registered Employee Benefits Consultant (REBC®), Registered Health Underwriter (RHU®) and Chartered Advisor for Senior Living (CASL®). In is his free time, Carl enjoys traveling, gardening and making memories with his five children, four grandchildren, and wife, Cynda.John started his career in 2017 with Wall Street Financial Group, Inc., following in his father's footsteps. He earned a Bachelor of Science in Accounting, magna cum laude, from the Southern Illinois University of Edwardsville in 2018 and a Master of Science in Accounting with a focus in taxation the following year. In 2020, John earned his Certified Public Accountant (CPA) license. He focuses on using his tax knowledge to help his clients make better financial decisions. He is an active member of the National Association of Insurance and Financial Advisors (NAIFA) and is a member of the American Institute of Certified Public Accountants (AICPA). In his free time, he enjoys camping and kayaking with his friends and family.Learn More: https://wallstfinancialgroup.com/ Insurance license #14204 & #18517013Nothing contained herein is to be considered a solicitation, research material, an investment recommendation or advice of any kind. The information contained herein may contain information that is subject to change without notice. Any investments or strategies referenced herein do not take into account the investment objectives, financial situation or particular needs of any specific person.Not associated with or endorsed by the Social Security Administration or any other government agency.Any benefits analysis are estimates based on your actual Social Security earnings record. Please keep in mind that these are just estimates. Actual benefit amounts cannot be determined until you apply for benefits. And that amount may differ from the estimates provided because:-Your earnings may increase or decrease in the future.-After you start receiving benefits, they will be adjusted for cost-of-living increases.-Your estimated benefits are based on current law. The law governing benefit amounts may change because, by 2033, the payroll taxes collected will be enough to pay only about 77 cents for each dollar of scheduled benefits.-Your benefit amount may be affected by military service, railroad employment or pensions earned through work on which you did not pay Social Security tax.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-carl-john-zeidler-with-wall-street-financial-group-inc-discussing-social-security-drawdown-strategies

Carl has been working to provide clients with top-tier financial solutions since 1975. After graduating from college, Carl followed in his grandfather's footsteps and entered the financial industry. Carl founded Wall Street Financial Group in 1988 and now has offices in Carlinville, Bloomington, and Marion, IL, as well as in Memphis, Tennessee. Carl has earned many designations and degrees, including a Bachelor of Arts from the University of Illinois and a Master of Science in financial services degree (MSFS) from The American College. Carl also holds the designations of CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Life Underwriter (CLU®), Registered Employee Benefits Consultant (REBC®), Registered Health Underwriter (RHU®) and Chartered Advisor for Senior Living (CASL®). In is his free time, Carl enjoys traveling, gardening and making memories with his five children, four grandchildren, and wife, Cynda.John started his career in 2017 with Wall Street Financial Group, Inc., following in his father's footsteps. He earned a Bachelor of Science in Accounting, magna cum laude, from the Southern Illinois University of Edwardsville in 2018 and a Master of Science in Accounting with a focus in taxation the following year. In 2020, John earned his Certified Public Accountant (CPA) license. He focuses on using his tax knowledge to help his clients make better financial decisions. He is an active member of the National Association of Insurance and Financial Advisors (NAIFA) and is a member of the American Institute of Certified Public Accountants (AICPA). In his free time, he enjoys camping and kayaking with his friends and family.Learn More: https://wallstfinancialgroup.com/ Insurance license #14204 & #18517013Nothing contained herein is to be considered a solicitation, research material, an investment recommendation or advice of any kind. The information contained herein may contain information that is subject to change without notice. Any investments or strategies referenced herein do not take into account the investment objectives, financial situation or particular needs of any specific person.Not associated with or endorsed by the Social Security Administration or any other government agency.Any benefits analysis are estimates based on your actual Social Security earnings record. Please keep in mind that these are just estimates. Actual benefit amounts cannot be determined until you apply for benefits. And that amount may differ from the estimates provided because:-Your earnings may increase or decrease in the future.-After you start receiving benefits, they will be adjusted for cost-of-living increases.-Your estimated benefits are based on current law. The law governing benefit amounts may change because, by 2033, the payroll taxes collected will be enough to pay only about 77 cents for each dollar of scheduled benefits.-Your benefit amount may be affected by military service, railroad employment or pensions earned through work on which you did not pay Social Security tax.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-carl-john-zeidler-with-wall-street-financial-group-inc-discussing-social-security-drawdown-strategies

Todd Bryant, Founding Partner with Signature Wealth Advisors, LLC., leverages the support of a large and well-established organization, while still offering an intimate environment to work with clients to achieve their financial goals. Todd started his career in finance as a Financial Representative at Northwestern Mutual. Over the years, he continued his financial education and is a Certified Financial Planner™ Practitioner CFP®, Accredited Investment Fiduciary AIF®, Chartered Financial Consultant ChFC®, and Chartered Life Underwriter CLU®. He holds the Series 6, 7, 63, and 65 investment licenses and the 215-insurance license. In our conversation, Todd share insights on his journey including: ·        The story that propelled him to help people. ·        Unique approaches to marketing. ·        The urgency of planning for retirement that people overlook. ·        The mistake of thinking selling a business will be the retirement plan. ·        The process of preparing for retirement. ·        How working with a professional keeps people's financial goals on track. Enjoy the show! Connect with Todd: Website: https://www.signaturewa.com/ LinkedIn: https://www.linkedin.com/in/toddabryant/ Connect with Gary: Website: www.sbadvisors.cc/ Facebook: www/facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Paul Pradel, CFP is an alumnus from Michigan State University. He is also the owner of Pradel Financial Group, launched in 2002, which is an independent financial services company based in Seattle, WA. Along with the CFP designation, he also holds other designations and credentials such as Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), as well as other insurance licenses. Pradel Financial Group: https://www.pradelgroup.com/ LinkedIn: https://www.linkedin.com/in/paulpradel/ WMA website: http://msuwma.com WMA YouTube: https://www.youtube.com/channel/UCT-eaRPTd0R1WlrLkRBweuQ Contact: msuwma@gmail.com Song credits: Abstract Orchestra, Fancy Clown - https://www.youtube.com/watch?v=hYhN8is0Syg

Bimal Shah can deliver expert industry perspective on any PPP topic, as well as financial business topics ranging from planning to achieving better work/life balance. More about Bimal Shah: CEO of Rajparth Achievers and  “The One Year Breakthrough” system (TheOneYearBreakthrough.com).  It’s a system that provides unique and customized consulting to executives and teams of companies to positively impact their bottom line. He has helped make a difference in the lives of more than 1000 families and businesses to preserve their assets, increase their income and reduce the taxes they pay. His book, “The Daily Happiness MultiplierTM” teaches 52 different systems that can transform people’s lives and is currently available on Amazon and E-book.  Bimal is a Chartered Life Underwriter (CLU), a Chartered Financial Consultant (Ch. FC), and a Certified Advisor in Senior Living(CASL), and is proficient in retirement planning, estate planning, insurance, and annuities. He is a lifetime member of Million Dollar Round Table®, MDRT. Well-known in South Florida and its business community for the last 17 years, Bimal has also been done several speaking engagements with organizations such as Vistage CEOs, Goldman Sachs Cohorts, Florida Association of Public Adjusters, Network Professionals, Inc., South Florida Hospital Association, Business Network Inc., Renegades of Real Estate, American Business Women Association, and South Florida Business Network.  He is a lifetime member of Million Dollar Round Table®, MDRT. He is also a member of Top of the Table®, Million Dollar Round Table®. Bimal has been a Top of the Table® member consecutively for 6 years. Bimal has been recognized in Who’s Who in the World. He has been awarded the Global Corporate Award in 2014 in the life insurance category.

Welcome!   I am delighted to have you join us today! Please allow me to introduce you to Damian Alexander is a holistic, client-centric wealth management advisor,  he recognizes the uniqueness of each individual and tailors concise financial plans to suit each client’s particular goals and aspirations. Damian is an energetic, resourceful financial service professional (Chartered Life Underwriter (CLU), Mutual Fund License IFSE, LLQP, Derivatives Fundamental Course, Canadian Securities Course (CSC), with a portfolio of expertise in client relations, relationship management, portfolio management, and financial planning.   With a track record of success, together, let’s plan for a bright future, by putting into action, personalized strategies and real solutions.   In this episode we discuss some of the following: The importance of financial life planning.  How you can overcome your anxiety and fear of money. Discuss the misconceptions of financial life planning. You can find Damian through his website at www.askdamian.ca   Share with someone that needs to be inspired and empowered.    Don't forget to like, comment, and subscribe.   Best Health,  Mo Akins  

Welcome to The Old Dog Pack Show, the world's leading resource for the forty-plus dude looking to improve his mind, body, soul, and financial posture. In this episode, The Old Dog Pack Show welcomes Wes Warren, President of Financial Security Services Group, Inc. Wes has over 25 years in the financial and retirement services industry and is a Chartered Financial Counselor (ChFC®), a Chartered Life Underwriter (CLU®), a Retirement Income Certified Professional (RICP®) and holds specific designations for long term care insurance (LTCP) and senior issues, Chartered Advisor for Senior Living (CASL®*).  Wes discusses strategies that the middle-aged guys can employ to catch up on their retirement funding needs through the use of IRAs, 401(k)s, SEPs, insurance products, and social security. Wes can be reached through his website at fssgroup.nethttps://fssgroup.net/. Brian and Craig briefly (and I mean very briefly) discuss the latest in our country's political climate. Craig confesses that he failed the challenge to stay off the snuff and, as a result, he must perform a set at a local comedy club's open mic night.  The TV theme song challenge continues.  This week it is "Friends" vs. "Hart to Hart," "The Dick Van Dyke Show" vs. "WKRP in Cincinnati," and "The Young and the Restless" vs. "The Love Boat." If you haven't listened to the show yet, give it a try. It may not be great, but it's better than you expect.  Check us out at OldDogPack.com. 

Bill interviews Laura Morrison- CLU, ChFC is Vice President of Life and Annuity Distribution and Chief Channel Officer at a Top Insurance Company.  In that role, Laura is responsible for executing distribution strategy, including product and marketing development, and driving life and annuity sales with valued brokerage partners, including FMO's, agencies, producers and financial institutions.  Prior to joining Sagicor, Laura held positions as Vice President of Brokerage Life Distribution and National Sales Director for Financial Institutions at Transamerica.  She is passionate about financial planning and helping families achieve their income, protection and retirement goals.  Laura is a graduate of the University of Illinois with a Bachelor in Science in Finance.  She holds the following designations; FINRA Series 7, FL Life and Health License, Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC).

Today we are hanging out with Dennis LaVoy. Dennis is CERTIFIED FINANCIAL PLANNER™ designation (CFP®) and a Chartered Life Underwriter (CLU®) and founder of Telos Financial, a holistic financial planning firm. Dennis has worked in the financial planning industry since 2008 and is passionate about helping others achieve their goals. He lives in Michigan with... The post Buying Life Insurance with Dennis LaVoy (Telos Financial) appeared first on Financial Freedom Community.

About Rennie GabrielRennie has all the credentials to teach financial skills; and the credentials are irrelevant. He is a UCLA Instructor, award winning, best-selling author. His book Wealth On Any Income has been translated into eight languages. He is a Chartered Life Underwriter (CLU), Certified Financial Planner®(CFP) and held most of the insurance and investment industry licenses.The most important thing is that after two divorces and a business failure he realized all that education had NOTHING to do with CREATING wealth, and that the basics of handling money powerfully are not taught by parents, teachers, CPAs or even financial planners.Rennie now donates 100% of the profits from his books, workshops, programs and coaching to charity.In this episode            Rennie explains howSociety does not value a financial educationHollywood movies, TV shows, and even fairy tales program you to be poorThis is the podcast for 90% of the populationHis goal is to create more philanthropistsRennie’s Books and Programshttps://wealthonanyincome.com/books/https://wealthonanyincome.com/programsConnect with Rennie Websites:WealthOnAnyIncome.comRennieGabriel.comEmail: Rennie@WealthOnAnyIncome.comLinkedIn: https://www.linkedin.com/in/renniegabriel/Facebook: https://www.facebook.com/WealthOnAnyIncome/Twitter: https://twitter.com/RennieGabrielYouTube: https://www.youtube.com/channel/UCdIkYMOuvzHQqVXe4e_L8PgInstagram: https://www.instagram.com/wealthonanyincome/

Apple Podcasts Rate and Review for Spot On On this Spot on Insurance bonus episode: we talk to three professors:  C. W. Copeland, Ph.D. is the President of the Financial Planning Division of the National Financial Group.  Dr. Copeland is also an Adjunct Professor of Insurance at The American College of Financial Services, an Adjunct Professor at the College for Financial Planning and an Adjunct Professor at Clark-Atlanta University.  Dr. Copeland conducts scholarly research in Behavioral Economics and teaches graduate-level business courses.  He has been a regular guest on radio and television shows across the country where he addresses audiences on financial planning strategies on a regular basis. Dr. Copeland has served for 20 years as an instructor with R.S. Thomas Training Associates providing pre-licensing training, continuing education, and business development advice for financial services professionals. Dr. Copeland has more than 20 years of industry experience as a financial planner where he coordinates the efforts of attorneys, tax advisors, employee benefits managers, estate and business planners, and pension managers for the benefit of his clients.  He holds numerous licenses and registrations in the areas of investments and insurance and holds the prestigious Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations. Dr. Craig Lemoine. Dr. Lemoine is the Director of the Financial Planning Program at the University of Illinois, Urbana-Champaign. He serves as an Associate Clinical Professor, teaching courses in risk management, retirement and financial planning. Craig earned his PhD from Texas Tech University in 2013 and currently holds the Certified Financial Planner ™ and Master Registered Financial Consultant™ designations. Craig currently serves as the Executive Director of the Academy for Home Equity in Financial Planning, vice-chairman of the Master Registered Financial Consultant Board and is working with his team to develop specialized content in the area of agriculture-focused financial planning. Previously, Craig served on and chaired the CFP® Council of Examination (2009-2014) and was the Executive Director of the Northwestern Mutual Granum Center for Financial at The American College of Financial Services in Bryn Mawr, PA. Dr. James Moten. He is the Insurance Program Director at Collin College Dr. James M. Moten Jr., CFP®, is currently the Professor of Insurance Management and Discipline Lead for Collin College’s Insurance Management Program that began Fall 2019. He has been teaching Insurance Management, Financial Planning, Finance, Economics and Accounting full-time since 2005.  His professional experience includes serving as an insurance agent, financial planner, and financial counselor after his 11-year military career. He has a PhD in Business Administration (Financial Management Concentration), a Master of Science in Finance, a Master of Science in Accounting, a Master of Science Economics, a Master of Business Administration, a Master of Science in Financial Planning and a (MS) Master of Science in Acquisition and Contract Management.  In addition to his academic degrees, he is a Certified Financial Planner Professional (CFP®), a Chartered Financial Consultant SM (ChFC®), a Chartered Mutual Fund Counselor SM (CMFC®), and a Chartered Retirement Planning Counselor (CRPC®). Connect with Dr. Craig Lemoine: Director, Financial Planning Program and Clinical Associate Professor 302c Mumford Hall 1301 W. Gregory Urbana Illinois 61801 (217) 300-7028 craiglem@illinois.edu Craig’s Profile linkedin.com/in/craig-lemoine-cfp-r-phd-mrfc-bb1a765 Email lemoinefc@gmail.com Twitter HigherEdCraig Connect with Dr. C. W. Copeland: C.W. Copeland, Ph.D., ChFC®, CLU®, RICP® 404-913-1413 (office) 404-567-3275 (cell) www.PhDinMoney.com Connect with Dr. James M. Moten Jr: linkedin.com/in/james-m-moten-jr-cfp-afc-chfc-crpc-cmfc-bb0a5016 Email profjmoten@yahoo.com This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!  

Rennie Gabriel is the award winning, best-selling author of "Wealth On Any Income" who went from broke at age 50 to multi-millionaire. With a net worth in the top 1% of Americans, he donates 100% of the proftis from his books, coaching and speaking to www.ShelterToSoldier.org and his goal is to create more philanthropists. Rennie is a UCLA Instructor, Certified Financial Planner (CFP), Chartered Life Underwriter (CLU) and retired from his publishing company in Dec. 2007. The company had about 80 titles in bookstores on consumer education specializing in marketing, real estate and finance. https://www.linkedin.com/in/renniegabriel/

In today’s episode, Michelle is joined by Rennie Gabriel.  Rennie is a TEDx speaker, best selling author, master financial coach, and philanthropist.   Listen as they discuss: The mindsets that keep us from being achieving wealth Using debt to create wealth Wealth creation is a team sport, not a solo one Leveraging philanthropic interests to grow your business About the Guest: Often in the media, Rennie supports individuals and business owners to create work as a choice, instead of a requirement, just as he did for himself. Complete Financial Choice™ As a highly rated instructor at the University of California in Los Angeles (UCLA), Rennie uses his award-winning, #1 best-selling book, Wealth on Any Income, to teach effective money skills from both the emotional and psychological aspects, as well as the practical components. His book has been translated into five languages. Rennie is a retired Chartered Life Underwriter (CLU) and Certified Financial Planner® (CFP®) and often adds BFD to his credentials. His clients range from financial professionals, like CPAs, stock brokers and financial planning firms, to entrepreneurs in the transformational space, like coaches, authors and speakers. He also works with large organizations like the FBI, American National Insurance and Toyota Motors. Rennie had gone broke twice (two divorces), but using the same concepts published in his book, Rennie created more wealth in each recovery than what he had prior. Rennie was a single parent for about 3 years after his first wife left. His two children have given him four grandchildren. Rennie is married for the last time to Dianne Merryl, who is a true partner in every sense of the word. After 40 successful years in financial services, Rennie now works to donate 100% of the profits from his speaking fees, wealth programs, books and business coaching to charities, the primary one is www.ShelterToSoldier.org where dogs are rescued, trained and donated as service animals for soldiers with PTSD and TBI (Post Traumatic Stress Disorder and Traumatic Brain Injuries) https://renniegabriel.com/ https://www.facebook.com/renniegabrielcom/ https://wealthonanyincome.com/   On today’s episode, Michelle is joined by Rennie Gabriel.  Rennie is a TEDx speaker, best selling author, master financial coach, and philanthropist.   Listen as they discuss: The mindsets that keep us from being achieving wealth Using debt to create wealth Wealth creation is a team sport, not a solo one Leveraging philanthropic interests to grow your business About the Guest:   Often in the media, Rennie supports individuals and business owners to create work as a choice, instead of a requirement, just as he did for himself. Complete Financial Choice™ As a highly rated instructor at the University of California in Los Angeles (UCLA), Rennie uses his award-winning, #1 best-selling book, Wealth on Any Income, to teach effective money skills from both the emotional and psychological aspects, as well as the practical components. His book has been translated into five languages. Rennie is a retired Chartered Life Underwriter (CLU) and Certified Financial Planner® (CFP®) and often adds BFD to his credentials.   His clients range from financial professionals, like CPAs, stock brokers and financial planning firms, to entrepreneurs in the transformational space, like coaches, authors and speakers. He also works with large organizations like the FBI, American National Insurance and Toyota Motors. Rennie had gone broke twice (two divorces), but using the same concepts published in his book, Rennie created more wealth in each recovery than what he had prior. Rennie was a single parent for about 3 years after his first wife left. His two children have given him four grandchildren. Rennie is married for the last time to Dianne Merryl, who is a true partner in every sense of the word. After 40 successful years in financial services, Rennie now works to donate 100% of the profits from his speaking fees, wealth programs, books and business coaching to charities, the primary one is www.ShelterToSoldier.org where dogs are rescued, trained and donated as service animals for soldiers with PTSD and TBI (Post Traumatic Stress Disorder and Traumatic Brain Injuries) https://renniegabriel.com/ https://www.facebook.com/renniegabrielcom/ https://wealthonanyincome.com/

In the final stand alone episode, I had the pleasure to interview fellow UCF Alumni, Todd Bryant. Todd is one of the founding partners with Signature Wealth Advisors here in Orlando, FL. In this episode, Todd shares how he got his start in financial services during college and how much his mindset has changed over the years to help him become more successful. He shares an incredibly impactful story during our interview about when he realized how important his career was not only to individuals but to families and loved ones. Todd also highlights his community involvement and public speaking in this episode. As you'll hear in this episode, when Todd does something he goes ALL OUT! I'm so excited for you to learn from Todd as he provides tremendous value throughout the interview. Learn more about Todd by reading his full bio below. Be sure to connect with Todd at the links below and stay up to date with news about the podcast by following me on instagram @tonymcgehee or Facebook @emergingentrepreneurs. Share this episode with a friend at the link below! The views and opinions are those of Todd Bryant. Todd Bryant’s views are not necessarily those of MML Investors Services, LLC.  *90% advisor failure rate referenced from Investopedia article dated December 2, 2014. Todd Bryant: Website: http://www.signaturewa.com/team/todd-a-bryant-aif-chfc-clu LinkedIn: https://www.linkedin.com/in/toddabryant/ ANCHOR VOICE MESSAGE: https://anchor.fm/anthony-mcgehee Share the podcast with a friend: https://linktr.ee/emergingentrepreneurspodcast Instagram: https://www.instagram.com/tonymcgehee/ Todd grew up in Brevard County, FL and graduated from the University of Central Florida in 2007. While at UCF, he majored in Marketing, minored in Sports Business Management and held 6 different internships and 1 externship. Todd started his full-time career in finance as a Financial Representative at Northwestern Mutual. Over the course of 7 years, Todd qualified for multiple company honors and held many roles in management while serving the financial needs of his clients. In 2014, Todd took the next step in his career by becoming a Founding Partner with Signature Wealth Advisors, LLC. With the move, Todd leverages the support of a large and well-established organization, but still offer an intimate environment to bring greater flexibility toward achieving client's financial goals. Todd devoted many years toward furthering his education to develop his expertise in his field. He is a CERTIFIED FINANCIAL PLANNER™ practitioner (CFP ®), Accredited Investment Fiduciary ( AIF®), Chartered Financial Consultant (ChFC ® ), and Chartered Life Underwriter (CLU ®). He holds the Series 6, 7, 63, and 65 investment licenses and the 215 insurance license. Todd currently serves on the Citrus Club Board of Governors, Chair of the Citrus Club Diplomat Committee, Founder of the Citrus Club Leadership Alliance, Founder and Chair of the Inspirational Influencers Speaker Series, UCF Alumni Association, UCF College of Business Alumni Executive Committee, Golden Knights Club, Past Chair of the UCF Business Mentorship Program, and more. He also enjoys public speaking. He has twice been the Keynote Speaker for the National Society of Collegiate Scholars at UCF and in 2018 advanced to the FL Districts in the 2018 World Championship of Public Speaking. This put him in the top 1,000 of 345,000 eligible Toastmasters worldwide. --- Send in a voice message: https://anchor.fm/anthony-mcgehee/message Support this podcast: https://anchor.fm/anthony-mcgehee/support

This week I sit down and talk about the future of insurance with Rob Galbraith, the author of a new book titled THE END OF INSURANCE AS WE KNOW IT – How Millenials, Insurtech, and Venture Capital Will Disrupt the Ecosystem.   Rob Galbraith has over 20 years of experience in the financial services industry in a variety of positions in the fields of P&C insurance, banking and investment markets. He holds a Master's of Science in Insurance Management from Boston University and a Bachelor of Arts in Economics from Michigan State University. Rob earned his Chartered Property Casualty Underwriter (CPCU) designation in 2003 and has served in leadership roles both at the national and local chapter level. He was elected to serve on the CPCU Society's Leadership Council from 2016-2018 and previously served on the industry Advisory Board to The Institutes. Rob received the Loman Award for outstanding service to the Alamo Chapter of the CPCU Society in 2009. He has also earned the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations from The American College of Financial Services. Rob is a recognized thought leader on P&C insurance who is a published author and media contributor. Named by Nick Lamparelli as “The Most Interesting Man In Insurance” for his travels and commentary, Rob is a frequent speaker at industry conferences and corporate events. He has been ranked as high as #6 on the InsurTech London Top 100 Influencers. Rob's passion is finding ways to provide insurance products to all who have a need through innovative approaches that leverage the latest in technology, building strong relationships with a diverse network of people from a variety of disciplines, and educating the public on the risks they face. Rob lives in San Antonio, TX with his wife Dani and three children: Felicity, Andrew and Sienna. You can find out more information about Rob by visiting the companion website for this book at http://endofinsurance.com as well as following him on Twitter at @robgalb and connecting on LinkedIn.  Leave a Review Enjoy listening? Support the show by leaving a review in iTunes. Sign Up and Win Click here to sign up to win a portable charger from ThoughtTrace! OGGN Announcements We are excited to announce we have launched a new podcast sponsored by BHGE! Permian Perspective Podcast hosted by Krista Escamilla. You can listen and subscribe here. Her podcast will showcase stories and tips/advice for everything to do with the Permian! Monthly Happy Hour Houston Happy Hour - Sponsored by Karbach and HEB. Permian Happy Hour OGGN is always accepting Happy Hour sponsors.  If you would like to get your company in front of our large young, professional audience, reach out to our Project Coordinator, Julie McLelland by e-mail. Upcoming Events Golf for Good -- Sponsorship or Attending | June 11th, 2019 Shoot For the Future | July 26th, 2019 NAPE Summer | August 21-22nd, 2019 More Oil and Gas Global Network Podcasts Oil and Gas This Week Podcast | Oil and Gas HS&E Podcast | Oil and Gas Startups Podcast | Oil and Gas Industry Leaders | Oil and Gas Onshore Engage with Oil and Gas Global Network LinkedIn Group | Facebook | modalpoint | Lean Oilfield | WellHub Connect with Sarah Stogner LinkedIn | Twitter | E-Mail | Oil and Gas Global Network Jeff Runyan on Oil and Gas Legal Risk - OGLR017

Professor Jamie Hopkins joins me for this episode to discuss how financial advisors can build a model to help clients 'rewire' the way they think about and manage retirement income. We discuss retirement income literacy and the implications for financial advisors.  His new book, Rewirement: Rewiring The Way You Think About Retirement!, recently hit the bookshelves.     Interesting Note: Clients without advisors are MORE literate about retirement income than those with financial advisors. Why?   We also discuss the RICP® designation and process for obtaining it.  Jamie helped create this program so he is able to provide a deep view into the designation.   Interesting Note: Last year the RICP® had more registrations than the CLU. 11,000 advisors are enrolled today!     Link: https://www.theamericancollege.edu/designations-degrees/RICP        Connect With Jamie   Website: hopkinsretirement.com   Twitter: @retirementrisks       About Jamie (From the American College website) Jamie Patrick Hopkins, JD, MBA, LLM, CLU®, ChFC®, CFP®, RICP®, is Associate Professor of Taxation at The American College of Financial Services in the Retirement Income Program and is Co-director of the New York Life Center for Retirement Income. He also holds the Larry R. Pike Chair in Insurance and Investments at The College. Teaching courses in retirement, estate planning, and life insurance, he has educated thousands of financial services professionals and continues to move the needle for retirement income planning.   Professor Hopkins is recognized as one of the leading retirement planning experts in the United States and, in 2015, was selected by InvestmentNews for its list of the top 40 financial services professionals under the age of 40. Professor Hopkins has also contributed numerous articles for periodicals including Villanova Law Review, Nebraska Law Review, and Hastings Science & Technology Law Journal, and has authored articles published by the American Bar Association and the Pennsylvania Bar Association.   Professor Hopkins received his Bachelor of Arts degree in political science at Davidson College. He then attended Villanova University School of Law, where he obtained his JD and graduated with honors. He later received his MBA from the Villanova University School of Business. Professor Hopkins also holds an LLM from Temple University and two financial planning designations from The American College: the Chartered Life Underwriter® (CLU®) and Retirement Certified Professional® (RICP®).

Mark Murphy is the Chief Executive Officer of Northeast Private Client Group headquartered in Roseland, NJ.  He holds a B.S. in Finance from Indiana University; The Chartered Life Underwriter® (CLU®) and Chartered Financial Consultant® (ChFC®) professional designations of the American College as well as the NFLPA Registered Player Financial Advisor designation.   For over 30 years, Mark has been a thought leader in the area of building real and multi-generational wealth for his clients entitling him to much acclaim in the financial industry. He and his team provide strategic planning and financial engineering to closely held businesses, mid-size companies with a concentration in dental practices.   A sought-after speaker, he has addressed the main stage at Siro World, has spoken to the California Dental Association, as well as many other industry meetings all over the country. He is currently the senior advisor to over 500 dental groups nationwide.   He is on the board of Fortune Management one of the largest dental coaching firms in the country and is in the process of authoring a book with Fortune CEO, Bernie Stolz on mergers and acquisitions in the dental space.   http://www.northeastprivate.com/

Professor Jamie Hopkins comes on The Resilient Advisor Podcast with Jay Coulter to discuss how sophisticated financial advisors are using home equity as a tool in retirement plans. Jamie has been feature on Consuelo Mack's PBS show WealthTrack (Link), Forbes (Link) and MarketWatch.    Reverse mortgages are not what they used to be. This episode will be very informative for any financial advisor or financial planner who is stuck in the dogma that the industry has around these tools. You owe it to your clients to understand how these work and how they can help your clients have better outcomes in retirement.   Connect With Jamie   Website: hopkinsretirement.com   Twitter: @retirementrisks     About Jamie (From The American College Website)   Jamie Patrick Hopkins, JD, MBA, LLM, CLU®, ChFC®, CFP®, RICP®, is Associate Professor of Taxation at The American College of Financial Services in the Retirement Income Program and is Co-director of the New York Life Center for Retirement Income. He also holds the Larry R. Pike Chair in Insurance and Investments at The College. Teaching courses in retirement, estate planning, and life insurance, he has educated thousands of financial services professionals and continues to move the needle for retirement income planning.   Professor Hopkins is recognized as one of the leading retirement planning experts in the United States and, in 2015, was selected by InvestmentNews for its list of the top 40 financial services professionals under the age of 40. Professor Hopkins has also contributed numerous articles for periodicals including Villanova Law Review, Nebraska Law Review, and Hastings Science & Technology Law Journal, and has authored articles published by the American Bar Association and the Pennsylvania Bar Association.   Professor Hopkins received his Bachelor of Arts degree in political science at Davidson College. He then attended Villanova University School of Law, where he obtained his JD and graduated with honors. He later received his MBA from the Villanova University School of Business. Professor Hopkins also holds an LLM from Temple University and two financial planning designations from The American College: the Chartered Life Underwriter® (CLU®) and Retirement Certified Professional® (RICP®).

Rennie is the award winning, best-selling author of “Wealth On Any Income. Rennie is a UCLA Instructor, Certified Financial Planner (CFP), Chartered Life Underwriter (CLU). A business owner, property investor and business coach. 100% of book and coaching profits are donated to a charity called sheltertosoldier.org!! Super pumped to dig more into Rennie' story so Ladies and gentlemen please help me welcome Rennie to the show!! Rennie talks about how his family was at the brink on foreclosure with only 2 days left before losing their family home. He explains how he raised capital, found the right team and started a property portfolio that grew into the millions of value in a very short space of time. Rennie is passionate about helping people learn how they can build wealth starting on any income. —— Book recommendation for entrepreneurs:  1. Think and Grow Rich – Napoleon Hill 2. The Richest Man in Babylon – George Samuel Clason Legacy: I want my legacy to be the charitable causes that i supported, saving lives of our veterans who gave up so much for the country, saving the lives of dogs that serve a purpose to many – Rennie. Find books authored by Rennie here: wealthonanyincome.com Best way to connect: wealthonanyincome.com

Butterflies of Wisdom is a podcast where we want to share your story. We want to share your knowledge if you have a small business if you are an author or a Doctor, or whatever you are. With a disability or not, we want to share your story to inspire others. To learn more about Butterflies of Wisdom visit http://butterfliesofwisdom.weebly.com/ Be sure to FOLLOW this program https://itunes.apple.com/us/podcast/wins-women-of-wisdom/id1060801905. To find out more about Challenge Aspen go to https://challengeaspen.org. To find out how Win walk and about Ekso go to http://www.bridgingbionics.org/, or email Amanda Boxtel at amanda@bridgingbionics.org. On Butterflies of Wisdom today, Best-Selling Author, Win C welcomes Sharon F. Danzger. Sharon, who founded Control Chaos in 2006, is a productivity consultant. She is an experienced and engaging presenter who covers a wide range of topics that enable employees to gain greater control of their time, enhance performance, and reduce stress. Ms. Danzger tailors her interactive sessions to the needs and interests of her audience. Meetings can be held across departments and employee levels or customized for specific groups. Is your staff: ! Overwhelmed with work? ! Finding it difficult to balance priorities? ! Stressed by both external and internal pressures? Participants leave Ms. Danzger’s programs with specific actions that are easy to implement and have a meaningful and immediate impact on their work and personal lives. Small changes in daily habits and the introduction of concepts from the field of positive psychology can have a profound effect. Employees who are less stressed and happier will be more productive, resulting in greater returns for your company. This will also lead to lower costs, fewer disruptions, and greater customer satisfaction through reduced employee turnover. Ms. Danzger’s diverse background in financial services, non-profits, and small business enables her to offer a unique perspective on finding efficiency and balance. She can tailor her programs to be industry specific and culturally focused based on her actual work and client experience. Ms. Danzger spent the early part of her career in financial services working for The Prudential Insurance Company of America. She spent time in a variety of areas including commercial real estate, underwriting, corporate social responsibility, and group insurance. Her work with non-profits has ranged from leadership development, governance, and training to financial analysis and oversight of an $18 MM budget. Sharon holds a BS in Economics from the Wharton School at the University of Pennsylvania and an MS in Real Estate from New York University. She is also a Chartered Financial Analyst (CFA), Chartered Financial Consultant (ChFC) and a Chartered Life Underwriter (CLU). She has earned a Certificate of Study in Chronic Disorganization from the Institute for Challenging Disorganization (ICD). Ms. Danzger is a lifelong learner, taking many courses through Coursera (Massive Open Online Courses) and is a positive psychology enthusiast. Sharon Danzger is the author of “Super-Productive: 120 Strategies to Do More and Stress Less” which will be released in March of 2017. To learn more about Sharon visit http://www.controlchaos.org/. To find out more about Win Kelly Charles visit https://wincharles.wix.com/win-charles. To follow Win on Twitter go to @winkellycharles. To support Win on Instagram go to winkcharles. To assist win on Snapchat go to Wcharles422. Please send feedback to Win by email her at winwwow@gmail.com, or go to http://survey.libsyn.com/winwisdom and http://survey.libsyn.com/thebutterfly. To be on the show, please fill out the intake at http://bit.ly/bow2017. Butterflies of Wisdom sponsored by Brought to you by Dr. Kelly, aka The FitShrink, who offers 1-on-1 and group wellness coaching for people of all abilities. She makes the psychology of wellness easy! You can learn more about her at fitshrink.com. Butterflies of Wisdom is also sponsored by Kittr a new social media tool that is bringing about new ways of posting on Twitter. It's fun, full of free content you can use, helps you schedule at the best times, is easy to use, and it will help you get more followers. Visit Kittr at gokittr.com. This is a 20% off code for www.gracedbygrit.com. The code will be XOBUTTERFLIES. To learn about the magic of Siri go to https://www.udemy.com/writing-a-book-using-siri/?utm_campaign=email&utm_source=sendgrid.com&utm_medium=email. If you want to donate Butterflies of Wisdom, please send a PayPal donation to aspenrosearts@gmail.com or aspenwin@gmail.com. Please donate to Challenge Aspen or the Bridging Bionics Foundation. Please send a check in the mail so 100% goes to Bridging Bionics Foundation.  In the Memo section have people write: In honor of Win Charles. Please donate to the charity of your choice thank you in advance, Win. Send to: Challenge Aspen PO Box 6639 Snowmass Village, CO 81615 Or donate online at https://challengeaspen.org. Bridging Bionics Foundation  PO Box 3767 Basalt, CO 81621 Thank you Win Thanks, Danielle C BOW Ambassador of Butterflies of Wisdom http://butterfliesofwisdom.weebly.com/ "Take a minute today to inspire someone See people for who we are"

Butterflies of Wisdom is a podcast where we want to share your story. We want to share your wisdom if you have a small business if you are an author or a Doctor, or whatever you are. With a disability or not, we want to share your story to inspire others. To learn more about Butterflies of Wisdom visit http://butterfliesofwisdom.weebly.com/ Be sure to FOLLOW this programhttps://itunes.apple.com/us/podcast/wins-women-of-wisdom/id1060801905. To find out how Win walk and about Ekso go to http://www.bridgingbionics.org/, or email Amanda Boxtel atamanda@bridgingbionics.org.   On Butterflies of Wisdom today, JC (Host) and Best-Selling Author, Win-C (Co-Host) welcomes Sharon F. Danzger. Sharon, who founded Control Chaos in 2006, is a productivity consultant. She is an experienced and engaging presenter who covers a broad range of topics that enable employees to gain greater control of their time, enhance performance, and reduce stress. Ms. Danzger tailors her interactive sessions to the needs and interests of her audience. Sessions can be held across departments and employee levels or customized for specific groups. Is your staff: ! Overwhelmed with work? ! Finding it difficult to balance priorities? ! Stressed by both external and internal pressures? Participants leave Ms. Danzger’s programs with specific actions that are easy to implement and have a meaningful and immediate impact on their work and personal lives. Small changes in daily habits and the introduction of concepts from the field of positive psychology can have a profound effect. Employees who are less stressed and happier will be more productive, resulting in greater returns for your company. This will also lead to lower costs, fewer disruptions, and greater customer satisfaction through reduced employee turnover. Ms. Danzger’s diverse background in financial services, non-profits, and small business enables her to offer a unique perspective on finding efficiency and balance. She can tailor her programs to be industry specific and culturally focused based on her actual work and client experience. Ms. Danzger spent the early part of her career in financial services working for The Prudential Insurance Company of America. She spent time in a variety of areas including commercial real estate, underwriting, corporate social responsibility, and group insurance. Her work with non-profits has ranged from leadership development, governance, and training to financial analysis and oversight of an $18 MM budget. Sharon holds a BS in Economics from the Wharton School at the University of Pennsylvania and an MS in Real Estate from New York University. She is also a Chartered Financial Analyst (CFA), Chartered Financial Consultant (ChFC) and a Chartered Life Underwriter (CLU). She has earned a Certificate of Study in Chronic Disorganization from the Institute for Challenging Disorganization (ICD). Ms. Danzger is a lifelong learner, taking many courses through Coursera (Massive Open Online Courses) and is a positive psychology enthusiast. Sharon Danzger is the author of “Super-Productive: 120 Strategies to Do More and Stress Less” which will be released in March of 2017. To learn more about Sharon vist http://www.controlchaos.org/. To learn more about Win Kelly Charles visithttps://wincharles.wix.com/win-charles. To follow Win on Twitter go to @winkellycharles. To follow Win on Instagram go to winkcharles. To follow Win on Snapchat go to Wcharles422. Please send feedback to Win by email her at winwwow@gmail.com, or go to http://survey.libsyn.com/winwisdomand http://survey.libsyn.com/thebutterfly. To be on the show please fill out the intake athttp://bit.ly/bow2017. Butterflies of Wisdom sponsored by Brought to you by Dr. Kelly, aka The FitShrink, who offers 1-on-1 and group wellness coaching for people of all abilities. She makes the psychology of wellness easy! You can learn more about her at fitshrink.com. This is a 20% off code for www.gracedbygrit.com. The code will be XOBUTTERFLIES. To learn about the magic of Siri go to https://www.udemy.com/writing-a-book-using-siri/?utm_campaign=email&utm_source=sendgrid.com&utm_medium=email. If you want to donate Butterflies of Wisdom, please send a PayPal donation to aspenrosearts@gmail.com or aspenwin@gmail.com. Please send a check in the mail so 100% goes to Bridging Bionics Foundation.    In the Memo section have people write: In honor of Win Charles.    Send to:  Bridging Bionics Foundation  PO Box 3767 Basalt, CO 81621  

Dr. Renee Sunday is Christian-pruner who is a Celebrity Media Personality, Author, Publisher, and Transformation Speaker. Dr. Sunday is internationally known as The Platform Builder.She helps faith-based entrepreneurs get their message out into the world through the media.  Our Esteemed Guest for Rennie Gabriel. Rennie supports individuals and business owners to create work as a choice, instead of a requirement, just as he did for himself. As a highly rated instructor at the University of  California in Los Angeles (UCLA), Rennie uses his award winning best-selling book, Wealth On Any Income, to teach adults and students how to handle money effectively from both the emotional/psychological aspects as well as the practical components. Rennie is a retired Chartered Life Underwriter (CLU) and Certified Financial Planner® (CFP). After selling his pension administration firm to a public company, Rennie began doing public workshops and corporate training to empower people in their businesses and personal lives. His clients range from executives and small entrepreneurs to the FBI and Toyota Motors. As the past-president of Gabriel Publications, a book-publishing house with over 80 titles specializing in consumer education, Rennie’s company provided extensive consumer education on real estate and finance topics. Rennie had gone broke twice (two divorces), but using the same concepts published in his books, Rennie created more wealth in each recovery than what he had prior. Rennie was a single parent for about 3 years after his first wife left. His two children have given him four grandchildren. Rennie is married for the last time to Dianne Merryl, who is a true partner in every sense of the word.  

http://theestateattorneyatlanta.com/ Nationally Recognized Atlanta Estate Planning Attorney and best-selling author Shane Smith interviews Edwin J. Coons, Jr., CLU, ChFC® Edwin (Ed) Coons has been with National Life since 1953, and has established an accomplished career in the financial services industry. Throughout his distinctive career, Ed has shown a deep commitment to the industry and continuous specialization. A graduate of Louisiana State University, class of 1954, he majored in Insurance and Real Estate. Ed served in the U.S. Air Force from 1954 to 1957 and later earned a Chartered Life Underwriter (CLU) designation from the American College, which is one of the most respected marks of expertise attainable in the life insurance profession. He also earned a Chartered Financial Consultant (ChFC®) designation, and a Certificate in Advance Estate Planning from the American College. Ed has been a member of the Atlanta Estate Planning Council (AEPC), since 1973. Ed married Ellen Reuland in July of 2008 and together they have been blessed with 11 children and 36 grandchildren. He is an active member of St. Thomas Aquinas Catholic Church in Alpharetta, where he serves as a lector. Professional Specialties: Retirement Planning: Qualified and Non-Qualified Business Insurance Long-Term Care Insurance 770-926-9792 coons_ed@nlvmail.com

Rennie supports individuals and business owners to create work as a choice, instead of a requirement, just as he did for himself.  As a highly rated instructor at the University of  California in Los Angeles (UCLA), Rennie uses his award winning best-selling book, Wealth On Any Income, to teach adults and students how to handle money effectively from both the emotional/psychological aspects as well as the practical components. Rennie is a retired Chartered Life Underwriter (CLU) and Certified Financial Planner® (CFP). After selling his pension administration firm to a public company, Rennie began doing public workshops and corporate training to empower people in their businesses and personal lives. His clients range from executives and small entrepreneurs to the FBI and Toyota Motors.  As the past-president of Gabriel Publications, a book-publishing house with over 80 titles specializing in consumer education, Rennie's company provided extensive consumer education on real estate and finance topics. Rennie had gone broke twice (two divorces), but using the same concepts published in his books, Rennie created more wealth in each recovery than what he had prior. Rennie was a single parent for about 3 years after his first wife left. 

Thomas W. Young CLU, ChFC, RFC, CSA Tom is a life time resident of Western PA and has a wife, Theresa and one daughter Sarah. Tom started in the financial services industry in 1976, and is the founder and President of 1st Consultants, Inc. He is also the Professional speaker for Financial Curves, Inc. Tom is a financial strategist who uses time value concepts and lost opportunity cost evaluations to help clients maximize the time value of money and benefits associated with insurance and financial products. Tom is a professional speaker, a published author, and a radio personality on 1230/1460 WBVP/WMBA in Beaver Falls, PA. His radio show is called, "The Financial Coach for Seniors". Tom earned the 2010 Beaver County Times Best of the Valley Readers' Choice Award for best Financial Planner. He has been recognized by Pittsburgh Magazine as a Top-Scoring Wealth Manager. Tom has been named 2004 Business Man of the Year by the National Republican Congressional Committee's Business Advisory Council and is also the recipient of the 2004 Ronald Reagan Gold Medal Award.  Tom has also earned several professional designations such as Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Financial Consultant (RFC), and Certified Senior Advisor (CSA). Along with these designations, Tom is also a former National Field Trainer for LEAP™ Systems, Inc. He is a member of the National Ethics Bureau. He has served on the Board of Directors for the American Red Cross - Beaver Chapter and the Beaver Area Chamber of Commerce. He is a member of the Beaver, Rochester, and Beaver County Chamber of Commerce, and a member of the Knights of Columbus. Tom is also a member of the prestigious "MDRT" (Million Dollar Round Table). He has earned Court of the Table and Top of the Table; distinguishing himself within the industry through their superior performance by producing at a level three times that of MDRT membership requirements. Achieving membership in MDRT's Court of the Table is a career milestone attained only by those who have demonstrated exceptional professional knowledge, client service and ethical conduct. Million Dollar Round Table's Top of the Table is an exclusive forum for the world's most successful life insurance and financial services professionals.  As a Certified Life Coach, Tom works as an overall financial coach for his clients. Tom has also been certified as a Human Behavior Consultant. Tom is a charter member of the National Association of Insurance and Financial Advisors as well as a member of the Society of Financial Service Professionals.

Harold Lustig is the Founder and CEO of the California Estate and Elder Planning Center and Managing Member of Lustig Financial Services LLC. After the distressing experience of hearing his father saying he had outlived his assets, Lustig began a life-long journey to assist seniors increase income and protect their assets, enjoy a higher quality of life and reduce their tax obligations, thus leaving more wealth for their spouses, children and grandchildren. With over 30 years of financial planning experience, his focus and passion is to help seniors and their families with retirement and estate planning as well as long term care planning. Lustig obtained a business degree in accounting and a Master's degree in Business Administration from Drexel University in Philadelphia. Currently, he holds the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), the California Life and Health Insurance license as well as the Series 65 Investment Advisor's License. Lustig is the author of the first financial and estate planning book for lesbian and gay couples. The book, 4 Steps to Financial Security for Lesbian and Gay Couples was published by Random House. In the Spring of 2011, Lustig will launch his second book Naked in the Nursing Home: The Women’s Guide to Paying for Long Term HealthCare Without Going Broke. The mission of the California Estate and Elder Planning Center is to help seniors and their families protect their lifestyle through estate planning, long-term care planning and wealth transfer. Harold works closely with an Elder Law Attorney and his wife who is an Elder Care Advocate and RN. Pro-Track Profile Harold is another long-time member of the Northern California Chapter of the National Speakers Association who has signed up for the Pro-Track training. To hear an update on his business and what he thinks of Pro-Track, click on the podcast icon below.