Podcasts about guaranteed income

What if your biggest retirement expense isn’t healthcare—but taxes? In this episode of Empower Your Retirement, Frank and Frankie Guida of A Better Way Financial explore how guaranteed income strategies, tax planning, and risk management can shape a more confident retirement. From real-life case studies to smart annuity options and portfolio adjustments, they break down how to align your financial plan with your lifestyle goals. Whether you're nearing retirement or just starting to plan, this episode offers practical insights to help you think differently about your future. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Scott Leonardi began serving families in 1995 as a licensed Life & Health insurance agent. In 1998, he founded Complete Solutions, a holistic planning firm dedicated to helping individuals and business owners protect their future. As a Certified Financial Fiduciary® and member of the National Association of Certified Financial Fiduciaries, Scott is committed to putting his clients' best interests first.A passionate advocate for financial education, Scott co-authored *Don't Go Broke in a Nursing Home* to help people avoid costly mistakes that threaten their life's work. His mission is to align insurance coverage with each client's unique needs and lifestyle.Outside of work, Scott enjoys time with his wife, five children, one granddaughter, and three Dobermans—and continues to campaign for that family boat.Learn More: https://www.completesolutions.insure/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-scott-leonardi-founder-of-complete-solutions-discussing-guaranteed-income

Scott Leonardi began serving families in 1995 as a licensed Life & Health insurance agent. In 1998, he founded Complete Solutions, a holistic planning firm dedicated to helping individuals and business owners protect their future. As a Certified Financial Fiduciary® and member of the National Association of Certified Financial Fiduciaries, Scott is committed to putting his clients' best interests first.A passionate advocate for financial education, Scott co-authored *Don't Go Broke in a Nursing Home* to help people avoid costly mistakes that threaten their life's work. His mission is to align insurance coverage with each client's unique needs and lifestyle.Outside of work, Scott enjoys time with his wife, five children, one granddaughter, and three Dobermans—and continues to campaign for that family boat.Learn More: https://www.completesolutions.insure/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-scott-leonardi-founder-of-complete-solutions-discussing-guaranteed-income

On this conversation, Kevin discusses the current landscape of annuities and retirement planning, emphasizing the impact of changing interest rates on fixed annuity rates. He addresses common myths surrounding retirement strategies, particularly the outdated 4% withdrawal rule, and highlights the importance of guaranteed income for a secure retirement. The discussion also touches on the concept of residual income, using the example of actor Matt LeBlanc, to illustrate how guaranteed income can provide financial freedom in retirement. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

In this conversation, Steve and Derrick from the Hoyl Financial Group discuss the common fears surrounding retirement planning, particularly the anxiety of running out of money and the quest for a 'magic number' in savings. They emphasize the importance of focusing on income generation rather than just accumulating a certain amount of savings. The discussion also covers the evolving perception of annuities, the significance of guaranteed income, and the strategic use of Roth IRAs for tax planning. The hosts encourage listeners to evaluate their financial strategies and consider the implications of tax planning in their retirement journey. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

On this episode: Should you be building up your cash reserves? The MVP of your Retirement plan. Things to watch out for in an IRA-to-Roth rollover. Like this episode? Hit that Follow button and never miss an episode!

On this episode of Your Retirement Radio, Kevin discusses the evolving landscape of retirement planning, emphasizing the importance of guaranteed income strategies as people live longer. He highlights the need for personal pension plans, the dangers of 'dead money' in retirement accounts, and the significance of having a comprehensive financial plan that accommodates big purchases and market fluctuations. The conversation underscores the value of personalized financial advice and the importance of patience in the planning process. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Guaranteed income programs can have benefits, but often should the money be deposited? Jonathan Morduch, professor of public policy and economics at New York University, looks to data for answers. Jonathan Morduch is Professor of Public Policy and Economics at the Wagner Graduate School of Public Service at New York University. Morduch’s research focuses on […]

Retirement planning can be tricky, but there are ways to ensure a steady income. Frank and Frankie Guida discuss how pension and income annuities offer guaranteed income streams, even for those without traditional pensions. They also explain how converting IRA money to Roth can provide tax-free income later in life. Real-life examples illustrate the importance of a comprehensive income plan to meet retirement needs and combat inflation. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

In this episode of the Retirement Playbook, Granger Hughes discusses the evolving landscape of retirement planning, emphasizing the importance of guaranteed income and strategic investment approaches. They explore various income sources, including Social Security, pensions, and structured notes, while addressing market reactions and the significance of having a customized retirement plan. The conversation also highlights the role of technology in financial planning and the necessity of building trust in client-advisor relationships. Get to know the Hughes team and schedule a time to speak with them or see the upcoming events at https://hughesretirementgroup.com/See omnystudio.com/listener for privacy information.

Douglas Haynes speaks with Dr. Michelle Robinson about the Madison Forward Fund 2.0, the guaranteed income program that will focus on maternal-child health and support 42 families. The post Guaranteed Income Helps People Put One Foot Forward appeared first on WORT-FM 89.9.

What are annuities and are they worth it in 2025? With interest rates rising, annuities, which give you a guaranteed retirement income, have been making a comeback. Mark Ormston from Retirement Line, one of the UK's leading annuity brokers, explains how they work, what returns you can expect and whether they make sense for your pension strategy. ✖️ Check out this annuities calculator Mark gave us to see what you can get⁠https://makingmoney.email/annuities-calculator⁠

On this episode: Most of us want to retire and most of us want to STAY retired. Why are people going back to work in their 70s? Diving into your 401(k). What might be holding you back? One retirement strategy to grab onto with both hands. Like this episode? Hit that Follow button and never miss an episode!

In this conversation, Kevin discusses various aspects of retirement planning, including the cultural phenomenon of tipping, the hidden fees associated with retirement accounts, the importance of professional guidance, guaranteed income strategies, and the impact of inflation on retirement finances. He emphasizes the need for individuals to be aware of their financial situations and to seek professional help when necessary to ensure a secure retirement. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

On this episode: Some studies say people would rather die than run out of money. Golden Reserve can help with our Income Forecast. The "rich guys" sold stock to bolster their cash reserves. Should you do the same? Long Term Care policies are expensive, and the rates keep going up. What can you do? See omnystudio.com/listener for privacy information.

The Foundation for Black Women's Wellness announced last month they're continuing the work of the Madison Forward Fund — Wisconsin's first guaranteed income program.The program gave $500 to a small group of Madison parents each month for a year for them to spend however they pleased. We chat with Dr. Michelle Robinson, chief programs and partnerships officer for the foundation, about the impact of guaranteed income and the current state of Forward Fund 2.0. Wanna talk to us about an episode? Leave us a voicemail at 608-318-3367 or email madison@citycast.fm. We're also on Instagram!  You can get more Madison news delivered right to your inbox by subscribing to the Madison Minutes morning newsletter. 

In this conversation, Kevin discusses the importance of guaranteed income strategies for retirement, emphasizing the need for financial security amidst market volatility and inflation. He highlights the role of annuities in providing a steady cash flow, the significance of proactive financial planning, and the necessity of preparing for longevity in retirement. The discussion also touches on the independence of Madden Wealth Advisors in offering tailored financial solutions to clients. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

The checks are coming now for the guaranteed income project in Albuquerque, under Mayor Tim Keller with no restrictions on News Radio KKOBSee omnystudio.com/listener for privacy information.

The integration of guaranteed lifetime income solutions into workplace retirement plans remains a hot topic among plan advisors, sponsors and participants. To get an idea of the current state of these efforts, we talk with Matt Stubblefield, Aggregator Channel Director at Allianz, who highlights some key findings from a new report by the Allianz Center for the Future of Retirement, part of Allianz Life Insurance Company of North America.The report that examines participant attitudes, preferences and demand for annuities in defined contribution retirement plans, and Stubblefield will share ideas on how plan advisors can put these learnings into practice to enhance their client offerings.Key Insights:Rising Demand for Lifetime Income SolutionsAllianz's research reveals that participants strongly favor guaranteed lifetime income options like annuities, with 86% preferring predictable income over managing a lump sum. This trend reflects growing concerns around market volatility, inflation, and longevity risk.Millennials and Diverse Groups Lead Interest in AnnuitiesMillennials show the highest interest in adding annuities to their retirement plans, followed by Gen X and Baby Boomers. Black, Hispanic, and Asian-American participants express more interest than white participants, showing a shift toward securing stable retirement income across demographics.In-Plan Annuities and Personalized Advice Are PreferredParticipants prefer contributing to annuities gradually via payroll deductions. They prioritize features like market protection, flexibility, and portability. Many view personalized advice and managed accounts as critical tools for effectively incorporating these products into retirement strategies.See Also:Solving the Portability Puzzle with Allianz Life's Ben ThomasonExploring Retirement Income Strategies with Joshua Grass and Todd LevyResearch Cited: The State of Lifetime Income: Participant Survey, conducted by the Allianz Center for the Future of Retirement in November 2024 with a nationally representative sample of 2,488 respondents aged 18+ who are currently contributing to an employer-sponsored retirement plan.Fixed index annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, tax-deferred accumulation potential, and the reassurance of a death benefit for beneficiaries.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Allianz Life Insurance Company of North America, its affiliated companies, and their representatives and employees do not give fiduciary, tax, or legal advice. Allianz does not provide financial planning services.Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company.Allianz Life Insurance Company of North America is not Affiliated with 401(k) SpecialistAllianz Life Insurance Company of North America (Allianz), 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5724 www.allianzlife.comFor institutional use only - not intended for use with the public.

Philip Chao, a leading voice in the 401(k) space shares his sharp focus on creating guaranteed retirement income. The conversation explores Philip's background, his companies, and the evolving landscape of annuities within retirement plans. Key themes include the role of fiduciaries, the integration of annuities into target date funds, and the future of guaranteed income products in the retirement market. In this conversation, Philip Chao discusses the evolution and importance of Target Date Funds and Qualified Default Investment Alternatives (QDIAs) in retirement planning. He emphasizes the need for personalized solutions that consider individual data rather than relying solely on averages.  The discussion also highlights the significance of engagement in retirement planning, the challenges of behavioral finance, and how guaranteed income can help ensure financial security in retirement. Chao advocates for transparency and education in financial services to empower individuals in their retirement decisions. Learn more at thatannuityshow.com 

Xiente wants to try something new in Philly. For 14 months, this nonprofit is launching a pilot program that gives 10 families $500 in guaranteed income each month without restrictions. This is part of an effort to get families out of poverty and thriving. But is that enough money? Host Trenae talks with Dr. Michelle Carrera, chief executive officer of Xiente, about how the program works, the metrics of success, and the possibilities of including more Philadelphian households.  Get Philly news & events in your inbox with our newsletter: Hey Philly Call or text us: 215-259-8170 We're also on Instagram: @citycastphilly Learn more about the sponsors of this episode: Babbel - Get up to 60% off at Babbel.com/CITYCAST Aura Frames - Get $35-off plus free shipping on the Carver Mat frame with Promo Code CITYCAST Advertise on the podcast or in the newsletter: citycast.fm/advertise Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Insurance Pro Blog Podcast, hosts Brandon Roberts and Brantley Whitley dive into the resilience of the life insurance industry during periods of market volatility and geopolitical tension. You'll learn why life insurance companies remain stable even when other financial sectors struggle, and how they've weathered previous economic storms like the dot-com bubble, the 2008 collapse, and the COVID pandemic. We explore the different categories of annuities available and explain why they're becoming increasingly attractive income tools in today's economic environment. You'll discover how insurance companies manage their bond portfolios to create reliable income streams, and why they're less concerned with market fluctuations than other financial institutions. If you're looking for guaranteed income options during uncertain economic times, this episode highlights why annuities offered by life insurance companies provide exceptional stability. You'll leave understanding why higher interest rates can be beneficial for insurance products and how these companies are uniquely positioned to offer reliable income solutions when markets become choppy. _____________________ Want to learn more about creating guaranteed income for your retirement? Contact us today to discuss how annuities might fit into your financial strategy. We're ready to help you find the right solutions for your specific situation.

Raj and Rick focus on the challenges and strategies for managing investments in the face of market uncertainty, particularly due to tariffs and inflation. They go over the need for a balanced approach to portfolio management, especially for those nearing retirement, and highlights the importance of guaranteed income streams in uncertain economic times. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

In this conversation, Kevin discusses the evolving landscape of retirement planning, emphasizing the importance of guaranteed income strategies due to increased life expectancy and market volatility. He highlights the need for individuals to create their own income sources, akin to personal pension plans, and addresses the issue of 'dead money'—funds that are not actively working for retirees. The discussion also covers the significance of having a comprehensive retirement roadmap to avoid financial pitfalls and make informed decisions about big purchases in retirement. Ultimately, Kevin stresses the value of personalized financial planning and the importance of understanding one's financial landscape to ensure a comfortable retirement. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

In this conversation, Kevin discusses the importance of guaranteed income strategies for retirement, emphasizing the need for financial security amidst market volatility and inflation. He explains how annuities can provide a reliable cash flow, the significance of customized retirement plans, and the necessity of proactive financial planning to ensure a comfortable retirement. The discussion highlights the benefits of starting retirement planning early and the role of fiduciaries in securing the best financial products for clients. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

In this episode of the Ready, Set, Retire Podcast, Steve discusses the evolving landscape of retirement planning, focusing on annuities, micro retirements, and the importance of financial advice. He emphasizes the need for individuals to explore various retirement options, including sabbaticals and alternative living arrangements, while also addressing the misconceptions surrounding annuities. The conversation highlights the significance of understanding one's financial situation and making informed decisions to maximize retirement income. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

I wanted to title this episode "Stable & Controlled" because that's what LTC health underwriters look for in every applicant's medical history. Today, I share several things not to do until after you've applied and been approved for some form of LTC insurance. We don't need to be in perfect health, but we need to be aware of red flags that the insurance companies will view as an unacceptable risk. Listen and learn what not to do until both you and the insurance company of your choice have made decisions and coverage is in place. Schedule with me to design your plan   Estimate traditional and hybrid LTC premiums   Learn what your state Medicaid system lets you keep Explore current and projected future costs of care at home, in assisted living and in nursing homes   

Tripp Limehouse discusses essential strategies for retirement planning, focusing on indexed universal life insurance and indexed annuities. They emphasize the importance of guaranteed income, the risks associated with market fluctuations, and the critical need for estate planning, illustrated through the case of Prince, who died without a will, leading to a lengthy legal battle over his estate. The segment concludes with listener questions, where Tripp offers tailored advice on various financial scenarios, reinforcing the need for personalized retirement planning. Call 800-940-6979. Visit Limehouse Financial to learn more.See omnystudio.com/listener for privacy information.

Abe Ashton discusses the evolution of retirement planning, highlighting the shift from traditional pensions to 401ks and the growing concerns about their adequacy in the face of inflation. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

In today's Five Question Friday (FQF), we have five more great questions sent in by viewers:1. Should we think of dividends as guaranteed income?2. Should we invest in our HSA the same way we invest in our Roth IRA?3. How should you pay tax on a Roth Conversion?4. Should you get long-term care insurance?5. Should our investing strategy change as our wealth rises?WSJ Article on LTC insurance: https://www.wsj.com/personal-finance/...Fidelity Alternative Investments: https://www.fidelity.com/go/alternati... Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this episode of Your Retirement Radio, Kevin Madden discusses the importance of understanding your 401K holdings, the necessity of diversification, and common financial mistakes people make regarding their retirement plans. He emphasizes the critical need for estate planning and the benefits of annuities in today's market, encouraging listeners to take action for their financial future. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

This is episode 75! And I'm thrilled to introduce my guest today. He is a true pioneer in the field of behavioural finance, Dr. Greg Davies. Greg is the Head of Behavioural Finance at Oxford Risk and has spent his career shaping how we understand investor psychology, financial decision-making, and the emotional complexities that come with managing money—especially in retirement. In this episode, we'll explore the behavioural traps that retirees often fall into, how to build financial resilience, and why understanding your own psychology is just as important as having a well-structured portfolio. Throughout our conversation, Greg and I explore the multifaceted aspects of retirement planning, emphasizing the importance of guaranteed income and its psychological benefits. We discuss how behavioural finance plays a crucial role in spending habits during retirement, the impact of inflation on purchasing power, and the distinction between risk and volatility in investment strategies. We also touch on future trends in retirement planning, particularly the potential need for and benefits of health insurance and a shift in focus from bequest to spending during retirement. Key Takeaways Greg Davis shares his journey from economics to behavioral finance. Behavioral finance combines psychology, economics, and finance. The importance of practical applications of behavioral science in finance. People often make poor financial decisions due to cognitive biases. Simplifying complex financial concepts is crucial for better decision-making. Emotional comfort plays a significant role in financial decisions. Retirement planning today is more complex than in previous generations. Technology can help simplify financial decision-making processes. Understanding personal values is essential for effective retirement planning. The removal of guaranteed income streams complicates retirement planning. Financial advisors often overlook the emotional aspects of retirement planning. Guaranteed income can alleviate fears of running out of money. Behavioral finance significantly influences spending habits in retirement. People with guaranteed income tend to spend more comfortably. Inflation poses a significant risk to retirement savings. Understanding the difference between risk and volatility is crucial for investors. Many retirees are too conservative with their investment strategies. Health insurance will become increasingly important in retirement planning. The focus of retirement planning is shifting from bequest to spending. Planning for retirement should consider both financial and emotional factors. Chapters 00:00 - Introduction to Greg Davis and His Journey 01:22 - The Intersection of Behavioral Science and Finance 05:45 - Building a Behavioral Finance Team at Barclays 10:53 - Understanding Behavioral Challenges in Retirement 21:57 - Navigating Retirement in a Complex World 29:50 - The Emotional and Financial Aspects of Retirement Planning 32:04 - The Role of Guaranteed Income in Retirement 36:16 - Behavioral Benefits of Guaranteed Income 40:05 - Real-Life Impacts of Guaranteed Income 44:23 - Inflation and Its Impact on Retirement Planning 48:37 - Understanding Risk vs. Volatility in Investments 57:27 - Future Trends in Retirement Planning Books & Authours Mentioned Nudge by Richard Thaler Misbeahving by Richard Thaler Thinking, Fast and Slow By Daniel Kahneman Research & Papers Referenced "A License to Spend" by David Blanchett, Michael Finke, and Wade Pfau The Jam Study (Choice Overload Study) by Shenna Lyengar and Mark Lepper Other Things to Note Oxford Risk Connect with Greg on LinkedIn Humans vs Retirement The Super Sunday Retirement Roundup Newsletter The Skill of Spending Money in Retirement Whitepaper The Humans vs Retirement Sketchstore Book in a Time For us to Chat About Your Retirement

In Illinois, like in other places affected by the War on Drugs, many people are feeling the impacts of incarceration and its negative, prohibitive effects on their futures. In this episode, Richard Wallace, founder of the organization Equity and Transformation (EAT), shares how guaranteed income has proven to be a transformative tool for this kind of systemic disruption. EAT is built on a reparations framework, providing direct cash support for recipients and leading directly to new employment, decreased recidivism, and a whole new form of community — all while setting a precedent for other municipalities to do the same. This episode is presented by the Marguerite Casey Foundation. MCF supports leaders who work to shift the balance of power in their communities toward working people and families, and who have the vision and capacity for building a truly representative economy. Learn more at caseygrants.org or visit on social media @caseygrants.See omnystudio.com/listener for privacy information.

In this episode of the Millionaire Car Salesman Podcast, LA Williams and Sean V. Bradley tackle a heavy question within the automotive industry: Dealership Pay Plans! They get into what constitutes a good verses a bad pay plan and how professionals in the industry can effectively navigate them for maximum benefit.  "I rather see someone in an environment where they have the opportunity, the respect, and are working in a setup that aligns with their financial goals." – Sean V. Bradley Both LA and Sean emphasize the importance of understanding dealership environments rather than just focusing on the pay plan itself as the path to financial success! Williams introduces the episode with an appeal to listeners for feedback on audio improvements, setting up an engaging conversation for the audience.  "Money is a seed; you plant it somewhere and it grows. That's the whole purpose of money." – LA Williams The discussion provides a deep dive into various components of dealership pay plans, including commissions, draws, low commission rates, packs, front-end and back-end grosses, spins, spiffs, and bonuses. Sean V. Bradley highlights the significance of comprehending these elements and how they interconnect with overall earnings potential. He stresses the importance of choosing the right dealership environment and the value of embracing a mindset geared towards high performance and success, ultimately guiding listeners towards becoming better car sales professionals.  The episode culminates with thoughts on how to work synergistically with dealerships to optimize pay plans effectively, and LA Williams underscores the role of preparation, training, and responsible financial tracking.   Key Takeaways: ✅ Focus on Training and Guarantees: Understanding draw, training pay, and guaranteed compensation is crucial before assessing commission rates and other pay plan components. ✅ Valuing Transparency: Ensure that your dealership provides clear commission sheets and wash sheets to avoid disputes and misunderstandings. ✅ Spiffs and Spins for Extra Earnings: Familiarize yourself with dealership and manufacturer incentives like spiffs and spins to enhance your income. ✅ Track Your Performance: Maintain detailed records of your sales, commissions, and other earnings to avoid financial discrepancies and strategize effectively. ✅ Work Your Pay Plan: Invest time in understanding and maximizing each aspect of your pay plan to ensure you're leveraging every potential income stream thoroughly.     About Sean V. Bradley, CSP Sean V. Bradley, CSP is an entrepreneur, published best-selling author, speaker and award-winning international trainer. He is a 17-time NADA/ATD convention speaker, FranklinCovey Certified Facilitator and has earned the coveted “CSP” designation in the National Speakers Association. Sean is also a member of the elite “Million Dollar Speakers Group” in the NSA and a state association speaker and trainer. He has spoken at over 500 NCM and NADA 20 Groups. Sean started Dealer Synergy over 20 years ago, but has been in the automotive industry for over 25 years. Sean and his Dealer Synergy team are a 16-time Dealers' Choice Award Winner for being the “Best of the Best Internet Sales Trainer” and “Mobile Media Provider” in the Automotive Sales Industry.  Sean has personally trained over 100,000 Automotive Sales Professionals in 3,900 unique rooftops. However, he literally influences hundreds of thousands of professionals, in and out of the Automotive Sales industry, all over the world, through: his over 4,000 published articles, his best-selling book “Win the Game of Googleopoly”, over 9,500 videos published online, and through Radio Station soundwaves by Hosting the globally recognized Against All Odds Radio Show currently airing in Washington DC, Atlanta, Cleveland, Rochester, and Los Angeles, and the 'internet buzzing' Millionaire Car Salesman Podcast reaching over 1 million downloads! Additionally, Sean is the creator of the Millionaire Car Salesman Facebook Group, with a membership count of 28,500+ automotive professionals.   About LA Williams LA Williams is the Vice President of Dealer Synergy. He has 15+ years of automotive sales experience and has made it his mission to help, educate and level up anyone he comes in contact with. LA once started as a frontline analyst for the organization, but quickly worked his way through the ranks to most recently landing him his current role of Vice President and an official company partner. Although LA holds an executive position with Dealer Synergy, he is completely “hands-on” with the Dealer Synergy family of programs. LA is the preeminent subject master on “Phone Sales” in the Automotive Sales Industry and has earned the nickname and title of “The Blind Phone Master”. LA has been blind for 35+ years and has focused his energy on the art of sound, tone, and inflection. With his inability to see and only hear, he can solely judge a person's phone abilities and verbal tools based on what they say and how they say it. This makes him the perfect coach and phone sales expert on planet Earth. LA has trained thousands of Automotive Sales professionals, Internet / BDC professionals, Sales Managers, General Managers and Dealer Principals on how to dominate the phones with his “The Blind Phone Master's Phone Sales Mastery” strategies. Furthermore, LA is an NADA Convention Speaker and a frequent 20 group speaker, including the official Internet Sales 20 Group . In addition to his training and speaking engagements, LA is the official co-host of the globally known Millionaire Car Salesman Podcast and a moderator of the Millionaire Car Salesman Facebook Group.   LA is also a very successful music producer. He has produced tracks for Dr. Dre, Lil Wayne, Katy Perry, Karina Bradley, and scores more. In addition to having worked with some of the best in the music industry, LA has worked in movies. He was even the voice for Jigsaw in 4 of the SAW movies! LA has taken his music producer, audio, and voice talent to bring a strong form of “entertrainment” to the industry and has blessed us with many motivating and fun remix tracks, applicable to the automotive sales industry.     Navigating Car Sales Pay Plans: Unlocking Hidden Revenues Key Takeaways: Understanding and maximizing your pay plan involves more than just knowing the basic commissions; it requires a strategic approach to dealership incentives and manufacturer programs. The significance of starting with guaranteed pay structures for new salespeople can prevent attrition and financial hardship, ensuring a fairer and more supportive work environment. Spiffs and spins represent lucrative supplemental income opportunities that can boost earnings when appropriately targeted and leveraged. The world of car sales is complex, with compensation plans that require more than just a basic understanding to truly maximize one's earnings potential. In a recent discussion featuring LA Williams and Sean V. Bradley, these intricacies were explored in-depth, unveiling crucial insights into how auto sales professionals can decode their pay plans and work their strategies effectively to bolster their earnings. Key themes emerged from this discussion that shed light on not only understanding but also maneuvering through pay plans to realize better financial outcomes.   Demystifying Automotive Pay Plans For the newcomer or even seasoned veteran in car sales, a pay plan is often shrouded in mystery. Sean V. Bradley argues that, "It's not about the pay plan… but the dealership that you're at." This sets the tone for understanding that environment and opportunity sometimes outweigh a perfect commission structure. When contemplating a position, one should probe beyond superficial numbers and consider the dealership's overall ethos and opportunity for personal growth. Bradley emphasizes not settling for flat fee structures in favor of opportunities to earn on gross, either on the front or back-end. "If you've got the skills to pay the bills," leveraging a dealership that allows for gross-based commissions can be increasingly rewarding. However, accessing back-end gross (percentages of financial products sold) requires understanding and capitalizing on additional compensation streams like aftermarket parts and warranty products. As he explains, "Don't get distracted with the carrot… Find the best deal for you." This journey begins with choosing the right kind of dealership—one where strategies align with incentive structures to work your pay plan comprehensively. The roadmap includes understanding potential spins and spiffs and looking beyond immediate numbers.   The Importance of Guaranteed Income for New Salespeople Transition periods for new salespeople can be turbulent without a guaranteed pay structure. Such structures allow for "proper training, strategy, and opportunity" before plunging into a commission-only environment—a space where new hires often find themselves underwater without training pay. Understanding the nuance between a draw and guaranteed pay can ward off future stress. At some dealerships, "you could owe the dealership money," creating the undesirable cycle of jumping from dealership to dealership. Establishing a knowledge base and advocating for fairer, initial compensation ensures not only individual success but sustainability for dealerships in reducing turnover. Williams expounds on this notion by suggesting questions candidates should explore during interviews. Questions encompassing what the guarantee entails and policies regarding training pay ensure new hires are not disadvantaged in unfamiliar territory. Emphasizing, "I want to educate myself on how to work and understand you; help me understand so I can work my own plan, which in turn serves the dealership," provides a roadmap to this common challenge.   Leveraging Spiffs and Spins for Additional Profit Supplementing income intelligently through spiffs and spins is a game-changing opportunity for profit maximization. Traditionally, spiffs act as quick incentives for additional tasks or goals inside a dealership, often embracing creative configurations beyond merely selling units. Spins, a domain exclusive to franchise dealerships, offer an entirely separate avenue through manufacturer-backed commissions—encouraging variety and volume in sales pushes. Bradley notes, "I used to make thousands and thousands of dollars extra. It's like supplemental income." Savvy salespeople learn to utilize CRM tools to drill down into customer databases and strategically target high-spin vehicles or special categories yielding these fruits. The key is knowledge-sharing and staff empowerment, ensuring a clear understanding of potential earnings. Dealerships, in turn, fortify their workforce by building trust, offering consistent information flows, and aligning staff incentives with dealership goals—ultimately creating a culture that thrives on success. Through an intrinsic understanding of pay plan workings, including guarantees, spiffs, spins, dealer strategies, and personal goals, sales professionals navigate toward success. In the ever-evolving automotive landscape, this knowledge not only benefits individuals but ultimately propels dealerships into prosperous, symbiotic relationships with their staff. In a world where the typical salesperson is making a base average yet someone like Cody Carter—a figure showcased within their industry context—is realizing million-dollar earnings, comprehension of these themes promises a pathway to exceptional industry success. Understanding the vast opportunities within car sales pay plans dictates a salesperson's financial trajectory far more than mere percentages on paper might first suggest.     Resources: Podium: Discover how Podium's innovative AI technology can unlock unparalleled efficiency and drive your dealership's sales to new heights. Visit www.podium.com/mcs to learn more!   NCC: Credit-Driven Retailing - NCC delivers industry-best credit-driven retailing for auto dealerships, combining a powerful credit and compliance engine and fully integrated CRM/Desking platform for maximum profitability.   Complete CRM: Complete CRM is a streamlined, all-in-one system that simplifies your dealership software and processes so you can manage every aspect of your operation with ease; from tracking and following up on leads, desking deals, managing inventory, marketing to your customers, and more.   Dealer Synergy & Bradley On Demand: The automotive industry's #1 training, tracking, testing, and certification platform and consulting & accountability firm.   The Millionaire Car Salesman Facebook Group: Join the #1 Mastermind Group in the Automotive Industry! With over 28,000 members, gain access to successful automotive mentors & managers, the best industry practices, & collaborate with automotive professionals from around the WORLD! Join The Millionaire Car Salesman Facebook Group today!   Win the Game of Googleopoly: Unlocking the secret strategy of search engines.     The Millionaire Car Salesman Podcast is Proudly Sponsored By: Podium: Elevating Dealership Excellence with Intelligent Customer Engagement Solutions. Unlock unparalleled efficiency and drive sales with Podium's innovative AI technology, featured proudly on the Millionaire Car Salesman Podcast. Visit www.podium.com/mcs to learn more!   NCC: Powered by proprietary solutions such as Intelligent Credit Engine™ and LenderSelect™, NCC transforms the car-buying experience for dealers and their customers. From compliance and lender selection to CRM and desking, to marketing and data mining—NCC integrates them all in a single, seamless platform to deliver better customer experiences, maximum efficiency and maximum profit.   Complete CRM: As an innovative leader in the industry for the last 30 years, Complete CRM is designed to give your dealership the competitive edge in a demanding marketplace. Powered by Complete Credit™ and award-winning desking, Complete CRM™ is the industry's only credit and compliance-enabled CRM that lets dealers achieve maximum profitability on every deal. Built on modern technology, Complete CRM seamlessly integrates credit, compliance, inventory, data mining, lead generation, enterprise functionality, and customized reporting in one tool with a single login.   Dealer Synergy: The #1 Automotive Sales Training, Consulting, and Accountability Firm in the industry! With over two decades of experience in building Internet Departments and BDCs, we have developed the most effective automotive Internet Sales, BDC, and CRM solutions. Our expertise in creating phone scripts, rebuttals, CRM action plans, strategies, and templates ensures that your dealership's tools and personnel reach their full potential.   Bradley On Demand: The automotive sales industry's top Interactive Training, Tracking, Testing, and Certification Platform. Featuring LIVE Classes and over 9,000 training modules, our platform equips your dealership with everything needed to sell more cars, more often, and more profitably!

The episode sheds light on the importance of personalized retirement planning, especially for those with guaranteed income sources like pensions. Listeners learn how risk tolerance, investment allocations, and tax strategies should align with their unique financial situations for optimal retirement success.• Emphasizing the role of guaranteed income sources in investment strategies • The importance of personalized financial planning over cookie-cutter strategies • Understanding how risk tolerance changes during retirement • Demonstrating asset allocation strategies based on income needs • The value of proactive tax planning and Roth conversions • Addressing the need for cohesive financial guidance among different advisorsText us your thoughts on the show!Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy here Join the new Root Collective HERE! (COMMUNITY)Ari Taublieb, CFP ®, MBA is the Vice President of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

A Guaranteed Income pilot project called the Chicago Future Fund has just released its latest report.

We specialize in the following financial products:        1. Your Personal Bank: High Cash Value - Whole and Indexed Universal Life insurance policies      2. Fixed and Index Annuities: grow your money without market risk, access to over 50 companies      3. Guaranteed Lifetime Income: create income you cannot outlive, often referred to as a private pension      4. Life Settlements: companies will buy your insurance policy, shop the best offers      5. Premium Finance: bank fund premium on a high cash value insurance policy on your behalf, can create tax-free asset without out-of-pocket cost     Many financial experts are calling this the "golden age" of fixed investments.   Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.   Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.  Until the government starts paying down debt, bond interest rates will remain elevated.   When bond yields (interest) increase, institutional investors tend to move out of the stock market and into the bond market.   Many institutional investors like banks, insurance companies, and pension funds are focused on obtaining steady consistent cash flow to pay their liabilities rather than accumulation. These large institutional investors have the ability to move markets.   Blackrock, Goldman Sachs, JP Morgan, and Vanguard analysts all predict S&P 500 index returns will average 3-5% annually for the next decade. If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored

On today's episode of Facts Matter, we explore the conclusion of the guaranteed-income program for transgender individuals and dive into the growing attempts by federal agencies to shield themselves from what's being called the “Great Purge.” Join us for a thoughtful and informative discussion on these developments, their impact, and what they mean for the future.

In this episode of Retirement Talk, Kevin discusses the importance of having a diverse portfolio for retirement planning, especially in light of market volatility. He emphasizes the need for guaranteed income through annuities and explores tax planning strategies to maximize savings. The conversation also delves into legacy planning and the dynamics it can create within families, as well as best practices for estate planning to ensure a smooth transition of assets. Start Planning for Your Retirement TODAY! See omnystudio.com/listener for privacy information.

In this episode Steve discusses the importance of understanding annuities and guaranteed income, the concept of micro retirements, and the significance of financial planning for retirement. They explore how individuals can diversify their assets, drawing lessons from celebrities like John Legend, and provide insights into what to expect during a financial consultation. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY!See omnystudio.com/listener for privacy information.

Kerry Lutz interviewed Tom Wall about retirement planning, highlighting the psychological barriers retirees face in spending their savings due to fears of depleting their funds, which can diminish their retirement experience. Tom advocated for life insurance and annuities as tools to ensure a guaranteed income stream and mitigate financial risks, recommending mutual life insurance companies for their policyholder-centric approach and historical reliability. He discussed the role of permanent death benefits in his financial strategy, emphasizing their importance in providing for his spouse and leaving a legacy for his children, which allows for higher-risk investments without compromising family security. Both Kerry and Tom noted the long-standing reliability of these financial products, which offer bond-like returns with lower risk and volatility, and stressed the necessity of understanding their contractual nature to effectively manage investment risks. Find Tom's Book here: https://permissiontospend.com Find Kerry here: https://financialsurvivalnetwork.com and here: https://inflation.cafe

Guaranteed income programs, which provide regular cash payments to low-income households, have been tested in several U.S. cities and states as a way to help reduce poverty and support marginalized communities. These programs have also been banned in several municipalities. Could guaranteed income be a potential solution to economic inequality, or do the challenges they present outweigh the benefits? Learn More: https://viewpointsradio.org/viewpoints-explained-the-debate-around-guaranteed-income Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Art of Money, Luke McCarty discusses the current state of the market, the challenges of timing investments, and strategies for managing market volatility. He explores the future of cryptocurrency, the implications of early retirement, and the importance of finding the right financial advisor. The conversation also covers 401(k) strategies and how to create guaranteed income in retirement, especially in the absence of traditional pensions. For more information visit www.artofmoney.com!See omnystudio.com/listener for privacy information.

If you're a homeowner, you're probably already familiar with the conditions imposed on insurance deductibles when disaster strikes. Cities and towns also have insurance for their losses when the weather gets destructive.Now, mayors along the Mississippi River are piloting a new insurance experiment to better help communities recover after disasters.Delaney Dryfoos, environmental reporter for the Lens Nola, has been covering this story for the Mississippi River Basin Ag and Water Desk and joins us for more.This was a busy year in politics – yes we had the presidential election, but Louisiana had some pretty noteworthy political happenings as well. Gov. Jeff Landry and lawmakers overhauled the state's tax code, and Republican Sid Edwards was elected to be the next mayor-president of East Baton Rouge Parish,  ending a 20-year streak for Democrats. Yesterday, we brought you Part 1 of Capitol Access reporter Brooke Thorington's “politics year in review” with LSU political science professor Robert Hogan. Today we hear the second part, and discuss what's on the horizon for future office seekers in Louisiana.Guaranteed income is the idea that to help some people in need, governments should give them cash, no strings attached. It's long been a pipe dream for many welfare reformers. And in recent years, that dream has been given test runs in cities across the U.S. and here in the South.The Gulf States Newsroom's Stephan Bisaha and WWNO's Aubri Juhasz have been covering the movement. They caught up to discuss how these recent pilots went.—Today's episode of Louisiana Considered was hosted by Adam Vos. Our managing producer is Alana Schrieber. We get production support from Garrett Pittman and our assistant producer Aubry Procell.You can listen to Louisiana Considered Monday through Friday at noon and 7 p.m. It's available on Spotify, the NPR App and wherever you get your podcasts.Louisiana Considered wants to hear from you! Please fill out our pitch line to let us know what kinds of story ideas you have for our show. And while you're at it, fill out our listener survey! We want to keep bringing you the kinds of conversations you'd like to listen to.Louisiana Considered is made possible with support from our listeners. Thank you!

Earlier this year, Mayor Brandon Johnson announced the city would be putting over $30 million towards the Chicago Empowerment Fund, a planned guaranteed income program. But Mayor Johnson's budget proposal does not include funding for the program. It was cut in order to help close the city's $1 billion budget gap. As city lawmakers prepare to vote on the mayor's budget proposal, Reset learns more about guaranteed income from Misuzu Schexnider of the Inclusive Economy Lab at UChicago's Harris School Public Policy and Sarah Saheb of the Economic Security Project in Illinois. For a full archive of Reset interviews, head over to wbez.org/reset.

For families struggling to pay the bills, for parents juggling multiple jobs to try to keep things afloat, small amounts of cash can make the difference between making it or not, between having some breathing space or being suffocated by the daily grind. Simply giving cash to families in need is very effective at improving economic and mental well-being.That's a key takeaway from the many experiments with cash programs – guaranteed income – that have been playing out all across the country (and here in Oregon) over the past few years.In this episode of Policy for the People, we explore the policy known as guaranteed income, an idea whose time has come. First, we speak with Shafeka Hashash, Associate Director of Guaranteed Income at the Economic Security Project, about the experiments with guaranteed income that we've been seeing in communities across the country, and what they teach us. Then we take a look at a guaranteed income pilot program right here in Oregon. We speak with Brandi Tuck of Path Home, who says that cash programs have the power to lift families out of poverty for good.

Read the full transcript here. What have we learned about UBI from recent, large-scale studies? What factors contribute to differential attrition in (especially long-term) studies? How much does it cost to run large UBI studies? Where else in the world have major UBI studies been run? What's the difference between "guaranteed income" and UBI? How do people in cash transfer studies tend to spend their money? Should restrictions be placed on what people can spend their study money on? How long does it take to see various effects of UBI or guaranteed income on a large scale? How does guaranteed income affect the nature of work in recipients' lives? How does guaranteed income affect a person's net worth in the long run? What are the effects on well-being? How does topical knowledge affect prediction accuracy in a given area? How good are subject-matter experts at making predictions about the outcome or utility of a study? How can such predictions in aggregate be used to shape future research? To what extent should reseachers express uncertainty when making proposals to policy-makers? How much of an effect does the publishing of academic papers have on the world? What kind of person should try to build a career in academia? How can non-experts assess the rigor and significance of academic papers?Eva Vivalt is an Assistant Professor in the Department of Economics at the University of Toronto. Dr. Vivalt's main research interests are in investigating stumbling blocks to evidence-based policy decisions, including methodological issues, how evidence is interpreted, and the use of forecasting. Dr. Vivalt is also a principal investigator on three guaranteed income RCTs and a co-founder of the Social Science Prediction Platform, a platform to coordinate the collection of forecasts of research results. Find out more about her on her website, evavivalt.com.Further reading:"The Impact of Unconditional Cash Transfers on Consumption and Household Balance Sheets: Experimental Evidence from Two US States", by Alexander W. Bartik, Elizabeth Rhodes, David E. Broockman, Patrick K. Krause, Sarah Miller, and Eva Vivalt StaffSpencer Greenberg — Host / DirectorJosh Castle — ProducerRyan Kessler — Audio EngineerUri Bram — FactotumWeAmplify — TranscriptionistsMusicBroke for FreeJosh WoodwardLee RosevereQuiet Music for Tiny Robotswowamusiczapsplat.comAffiliatesClearer ThinkingGuidedTrackMind EasePositlyUpLift[Read more]

A groundbreaking guaranteed income pilot program in Tacoma, Washington has not only demonstrated positive economic impacts but also challenged long-held misconceptions about poverty and cash assistance. The Growing Resilience in Tacoma (GRIT) program, which provided $500 monthly payments to 110 families, is helping reshape traditional narratives that have long portrayed poverty as a result of personal failings or suggested that direct cash assistance leads to dependency.   Join Crystal for a conversation about guaranteed income and GRIT with Sukhi Samra, Executive Director of Mayors for a Guaranteed Income, Tacoma Mayor Victoria Woodards, and Dona Ponepinto of United Way of Pierce County.   As always, a full text transcript of the show is available at officialhacksandwonks.com.   Follow us on Bluesky at @HacksAndWonks. Find the host, Crystal Fincher, on Bluesky at @finchfrii. Find Sukhi Samra and Mayors for a Guaranteed Income on Twitter/X at @mayorsforagi, Mayor Victoria Woodards and the City of Tacoma at @CityofTacoma, and Dona Ponepinto and the United Way of Pierce County at @UWPC.

On this week's episode, Brightpoint CEO Mike Shaver and University of Illinois School of Social Work researcher Will Schneider join to discuss Empower Parenting with Resource, a test of the impact of guaranteed income as a component of how child welfare systems engage parents. Empower will provide hundreds of system-involved parents with cash assistance as part of a randomized control trial.Reading RoomNew Research Funded on Mental Health, Child Welfarehttps://imprintnews.org/youth-services-insider/new-research-funded-mental-health-child-welfare/54184Support Grows For No-Strings-Attached Cash For Families To Prevent Foster Care Removalshttps://imprintnews.org/top-stories/support-grows-for-no-strings-attached-cash-for-families-to-prevent-foster-care-removals/243395The Bay Area's Latest Guaranteed Income Program Offers Low-Income Families $500 a Monthhttps://imprintnews.org/top-stories/bay-areas-latest-guaranteed-income-program/60793Former Foster Youth Included in L.A. County Guaranteed Income Projecthttps://imprintnews.org/top-stories/former-foster-youth-included-in-l-a-county-guaranteed-income-project/240181