Podcasts about lpl financial

Kristian Kerr, head of macro strategy at LPL Financial, says that the market has shaken off the impact of higher oil prices, leading investors to a sense of complacency, where they think only a much higher spike in crude prices will upset the economy. He feels, however, that "the longer we are at these levels the harder it becomes to ignore," noting that the same kind of thinking can also be applied to rising bond yields, where the market is deciding just how real the fears are, but where they can't ignore the issue indefinitely. Kerr isn't calling for a major market reversal, but more for caution and diversification, because he believes that at some point many of the fears over headline risks will be realized. Author Daniel Goldie discusses his new book, out today, "The Retirement Answer: The 6 Key Decisions Every Retiree Needs to Make," which covers timing, Social Security , Medicare, distribution strategies, investments and legacy choices In the Market Call, Aniket Ullal, head of ETF data and analytics at CFRA, discusses exchange-traded funds, which sectors appear to be in favor now, the difficulties in evaluating newfangled funds with options overlays or leveraged, single-stock strategies and more.

Allison Fine, president and CEO of Every.org, joins Regina Hess to discuss how technology can make charitable giving easier and more accessible.   Allison explains how Every.org helps people donate cash, stock, cryptocurrency, and donor-advised funds to nonprofits without complicated paperwork.   She also discusses the growing gap between how Americans hold their wealth and how most nonprofits are equipped to receive it. The conversation also explores why women have an opportunity to become more intentional about philanthropy, how families can involve their children in giving, and what Allison learned after burning out early in her leadership career.   Episode Highlights: 0:00 - Introduction 0:38 - Meet Allison Fine 2:04 - How Every.org makes charitable giving easier 3:33 - Helping nonprofits accept non-cash assets 5:23 - Making generosity more accessible 8:14 - The gap between wealth and charitable giving 9:02 - Women, wealth, and intentional philanthropy 10:40 - How much do you need to donate? 11:09 - Making charitable giving a family activity 12:02 - Why donors need a giving plan 14:00 - Leadership, burnout, and changing old habits 16:11 - Using technology to make people more connected 17:12 - Allison's vision for retirement 18:21 - Visiting every Major League Baseball stadium 20:05 - Becoming more intentional about giving 20:57 - Final thoughts and closing   ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals.    CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH ALLISON FINE   Website: Every.org LinkedIn: https://www.linkedin.com/in/allison-fine-a07132/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com

Upthinking Finance™ is now trademarkedThis episode is my reflection on nearly four decades in the financial services industry. I want to share some of the most important lessons I've learned—from portfolio management missteps and tax planning pitfalls, to the value of flexibility, liquidity, and real client relationships. Over the past four decades, the financial industry has evolved enormously, and these days, experience and adaptability matter when you're building a practice rooted in trust and personal connection may outshine growth-at-all-costs strategies.You will want to hear this episode if you are interested in...05:08 Reallocating investments to manage risk07:47 Understanding alternative investments risks12:10 Embracing trend following strategies13:47 Discovering niche management firms22:49 Discussing real-life financial planning25:28 Working with outside consultants28:43 Navigating financial crises together32:08 Connecting with industry influencers36:51 Investment strategies and risksThe Perils of Letting Taxes Guide Every DecisionTax efficiency matters in any sound financial plan, but letting tax consequences drive every decision can backfire. Complex strategies like irrevocable life insurance trusts (ILITs) and Roth IRA conversions, which, while once advantageous, have later become obsolete or even detrimental due to shifting laws or unforeseeable changes.Overemphasis on avoiding taxes—such as refusing to rebalance a portfolio for fear of triggering capital gains—can leave clients worse off if market conditions change unexpectedly. Prioritize flexibility and liquidity over the lure of perfect tax avoidance. Sometimes, a slightly higher tax bill is a small price to pay for maintaining the ability to adapt to life's unpredictables.The Cost of Inflexible InvestmentsLocking up assets in illiquid programs—such as certain private credit products or non-listed REITs—may offer the promise of higher returns or tax benefits, but they come at the cost of flexibility when life throws a curveball. Divorce, illness, or sudden opportunities can necessitate access to funds that are tied up, sometimes indefinitely. Thus, every investment should be scrutinized not just for its upside, but for the accessibility of capital when it's truly needed.Personalization Over CommodityThe financial advice industry has trended towards commoditization, driven by “best practices” that prioritize scalability and efficiency—sometimes at the expense of individual client needs. Model portfolios and standardized 60/40 allocations are the norm, but genuine client stewardship demands adaptation.When the era of falling interest rates ended with COVID, clinging to traditional approaches was no longer sufficient. Embracing novel strategies like trend following, sector specialization, and niche asset managers became essential—even if it meant difficult conversations with clients when results diverged from mainstream indexes.Goal-Setting Beyond the NumbersEvery client's vision for retirement or financial independence is unique. Strict guidelines about withdrawal rates or “prudent” spending cannot replace honest dialogue about trade-offs and what living fully means for each person. Sometimes, sticking too closely to conventional wisdom leads to clients being told their dreams are inadvisable and even being dismissed by their advisors. For a firm dedicated to helping clients realize their aspirations, defining clear, personal goals is paramount—performance for its own sake is insufficient motivation.Relationships Over RevenueOnce someone entrusts their financial life to the firm, they're owed the same commitment and care as anyone else. The real value of advice lies in partnership and stewardship, not in how much revenue the client generates. I credit providence, prayer, and being open to unexpected opportunities for the most meaningful developments in this practice—from meeting the right business partner to forming lifelong friendships with clients. Genuine relationships, openness to new ideas, and a commitment to serving each client uniquely are more valuable—and more rewarding—than any short-term gain or industry accolade.Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC.The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.Resources & People MentionedMalcolm GladwellThe Library of Mistakes with Russell Napier, Ep #48Tariffs, Inflation, and the Death of Globalization with Alex Krainer, Ep #69Connect with Emerson FerschCapital Investment AdvisersSubscribe to Upthinking FinanceAudio Production and Show Notes by - PODCAST FAST TRACK

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.In 2001, George published his first book, Prosperity by Design, and became an independent advisor. Since then, he has authored or contributed to multiple books, including The Longevity Trap, Defuse the Tax Bomb, Uncle Joe's Gems, The Pension Shield Option™, Stop, DROP and Roll, Retire Abundantly, and Expert Stories and he wrote the foreword to The New Holistic Retirement, and 9 Money Mistakes Doctors Make.George has spoken internationally at venues including Oxford University, the Royal Society of Medicine, the London Stock Exchange, the Harvard Club of Boston, and the FBI National Academy Association. He has been featured in CNN, the Financial Times, Yahoo! Finance, Business Insider, and Philadelphia Life magazine.Defuse the Tax Bomb distills the framework George developed after watching too many successful families lose hundreds of thousands of dollars to taxes they never saw coming — not because they made bad decisions, but because no one showed them how the system actually works over time.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-the-longevity-trap

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-healthcare-and-long-term-care

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.In 2001, George published his first book, Prosperity by Design, and became an independent advisor. Since then, he has authored or contributed to multiple books, including The Longevity Trap, Defuse the Tax Bomb, Uncle Joe's Gems, The Pension Shield Option™, Stop, DROP and Roll, Retire Abundantly, and Expert Stories and he wrote the foreword to The New Holistic Retirement, and 9 Money Mistakes Doctors Make.George has spoken internationally at venues including Oxford University, the Royal Society of Medicine, the London Stock Exchange, the Harvard Club of Boston, and the FBI National Academy Association. He has been featured in CNN, the Financial Times, Yahoo! Finance, Business Insider, and Philadelphia Life magazine.Defuse the Tax Bomb distills the framework George developed after watching too many successful families lose hundreds of thousands of dollars to taxes they never saw coming — not because they made bad decisions, but because no one showed them how the system actually works over time.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-inflation-and-safety-jaws

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.In 2001, George published his first book, Prosperity by Design, and became an independent advisor. Since then, he has authored or contributed to multiple books, including The Longevity Trap, Defuse the Tax Bomb, Uncle Joe's Gems, The Pension Shield Option™, Stop, DROP and Roll, Retire Abundantly, and Expert Stories and he wrote the foreword to The New Holistic Retirement, and 9 Money Mistakes Doctors Make.George has spoken internationally at venues including Oxford University, the Royal Society of Medicine, the London Stock Exchange, the Harvard Club of Boston, and the FBI National Academy Association. He has been featured in CNN, the Financial Times, Yahoo! Finance, Business Insider, and Philadelphia Life magazine.Defuse the Tax Bomb distills the framework George developed after watching too many successful families lose hundreds of thousands of dollars to taxes they never saw coming — not because they made bad decisions, but because no one showed them how the system actually works over time.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-fixing-the-survivor-jaw

When it comes to finances, we all frequently focus on what we need to do and how best to improve our financial circumstances (and our families').  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss financial milestones where you can sit back and bask in the glow of your successes, big and small! Financial successes vary widely depending on your stage of life.  They can include: Setting up your first bank account. Buying your own groceries for the first time. Getting your first “big kid” paycheck. Paying off student loans (or having them forgiven). Reaching a net worth of $1 million! Being able to go part-time at work if you choose. Reaching financial independence… if you're working, it's by choice.   In early stages of life, it can feel like financial success is remote and unattainable.  Take the time to celebrate the small stuff when you can and with your kids when they reach those milestones.  They are all steps in the right direction.  And as you get older, don't forget to reflect on how far you've come. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.

The Moneywise Radio Show and Podcast Monday, September 28th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Chad Hathaway, CEO/Founder of Hathaway LLC.  website: https://hathawayllc.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Chad Hathaway & Hathaway LLC. are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.In 2001, George published his first book, Prosperity by Design, and became an independent advisor. Since then, he has authored or contributed to multiple books, including The Longevity Trap, Defuse the Tax Bomb, Uncle Joe's Gems, The Pension Shield Option™, Stop, DROP and Roll, Retire Abundantly, and Expert Stories and he wrote the foreword to The New Holistic Retirement, and 9 Money Mistakes Doctors Make.George has spoken internationally at venues including Oxford University, the Royal Society of Medicine, the London Stock Exchange, the Harvard Club of Boston, and the FBI National Academy Association. He has been featured in CNN, the Financial Times, Yahoo! Finance, Business Insider, and Philadelphia Life magazine.Defuse the Tax Bomb distills the framework George developed after watching too many successful families lose hundreds of thousands of dollars to taxes they never saw coming — not because they made bad decisions, but because no one showed them how the system actually works over time.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-fixing-the-survivor-jaw

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.In 2001, George published his first book, Prosperity by Design, and became an independent advisor. Since then, he has authored or contributed to multiple books, including The Longevity Trap, Defuse the Tax Bomb, Uncle Joe's Gems, The Pension Shield Option™, Stop, DROP and Roll, Retire Abundantly, and Expert Stories and he wrote the foreword to The New Holistic Retirement, and 9 Money Mistakes Doctors Make.George has spoken internationally at venues including Oxford University, the Royal Society of Medicine, the London Stock Exchange, the Harvard Club of Boston, and the FBI National Academy Association. He has been featured in CNN, the Financial Times, Yahoo! Finance, Business Insider, and Philadelphia Life magazine.Defuse the Tax Bomb distills the framework George developed after watching too many successful families lose hundreds of thousands of dollars to taxes they never saw coming — not because they made bad decisions, but because no one showed them how the system actually works over time.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-the-longevity-trap

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-healthcare-and-long-term-care

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.In 2001, George published his first book, Prosperity by Design, and became an independent advisor. Since then, he has authored or contributed to multiple books, including The Longevity Trap, Defuse the Tax Bomb, Uncle Joe's Gems, The Pension Shield Option™, Stop, DROP and Roll, Retire Abundantly, and Expert Stories and he wrote the foreword to The New Holistic Retirement, and 9 Money Mistakes Doctors Make.George has spoken internationally at venues including Oxford University, the Royal Society of Medicine, the London Stock Exchange, the Harvard Club of Boston, and the FBI National Academy Association. He has been featured in CNN, the Financial Times, Yahoo! Finance, Business Insider, and Philadelphia Life magazine.Defuse the Tax Bomb distills the framework George developed after watching too many successful families lose hundreds of thousands of dollars to taxes they never saw coming — not because they made bad decisions, but because no one showed them how the system actually works over time.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-inflation-and-safety-jaws

Election Volatility Comes Into Focus With 36 days remaining until the midterm elections, the market is entering a period that has historically been associated with increased volatility. Midterm election years have traditionally been the most volatile portion of the four-year presidential cycle. The first year following a presidential election is often characterized by optimism surrounding a new administration, while the second year tends to bring greater uncertainty and expectations for policy changes. Historically, the period following the midterm elections has often been followed by a market rally. This year, however, the market has demonstrated considerably more resilience than historical patterns might suggest. The S&P 500 closely tracked its typical presidential-cycle pattern through the previous year before diverging over the summer. Rather than experiencing the weakness often associated with the months leading into a midterm election, the market posted a relatively strong summer. The market’s response to geopolitical developments has also been notable. Following the sell-off tied to tensions surrounding the Iran war earlier in the year, stocks rallied, demonstrating continued resilience despite a challenging backdrop. As the election approaches, some of the effects of rising political uncertainty are becoming more visible beneath the surface of the broader market. While the overall U.S. stock market has historically performed under administrations from both political parties, individual sectors can respond differently to anticipated policy changes. One area worth watching is the industrial sector. Ongoing discussions surrounding data-center development, the reindustrialization of the United States and tax incentives designed to encourage industrial investment have been important catalysts for the sector. In recent weeks, industrial stocks have declined relative to the broader S&P 500 as the perceived likelihood of a Democratic sweep of both chambers of Congress has increased. The relationship is worth monitoring because a change in political control could influence the pace of data-center development and the future of certain tax incentives supporting industrial investment. While these trends do not provide a basis for predicting the outcome of either the election or the market, they offer insight into how expectations surrounding policy can influence individual areas of the market. As the election approaches, continued monitoring of these developments can help identify areas of potential downside risk and inform portfolio decisions as conditions evolve. Reasons for Optimism Despite the concerns facing investors, several underlying economic and corporate indicators provide reasons for optimism. One of the most encouraging developments is the strength of corporate profit margins. Profit margins have reached record levels, and there is a direct relationship between corporate profitability and the valuation of the S&P 500. Strong margins suggest that corporate America remains fundamentally healthy, providing an important foundation for current market valuations. The labor market also continues to demonstrate historical strength. Employment remains an important driver of consumer spending, and continued employment growth supports household income and spending throughout the economy. Personal incomes have also turned higher, providing another positive signal for consumer activity. When employment and income remain resilient, consumers generally have greater capacity to maintain spending, which can help support broader economic growth. Beyond consumers, industrial production remains strong, while manufacturing and trade sales have continued to show encouraging results. These measures provide additional evidence that economic activity remains resilient despite the uncertainty surrounding inflation, interest rates, energy prices and the upcoming election. The current concerns facing markets should not be overlooked. However, focusing exclusively on the negative headlines can obscure some of the positive developments taking place beneath the surface of the economy and financial markets. These indicators serve as important reminders that market conditions are influenced by a wide range of factors. While uncertainty and volatility remain part of the current environment, corporate profitability, employment, personal income, industrial production, manufacturing and trade activity all provide reasons to maintain perspective. There are legitimate concerns to monitor, but there are also meaningful signs of underlying strength. Looking beyond the headlines and considering both sides of the market landscape can provide a more complete picture of the current environment. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Charts of Optimism first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Friday, September 25th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Cecily & Jennie, Owners of Golden Spoon Bakersfield website: https://goldenspoonbakersfield.com/ instagram: @goldenspoonbakersfield facebook: Goldenspoon_Bakersfield  The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Cecily Jones, Jennie Klassed & Golden Spoon Bakersfield are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

How do you turn retirement savings into an income plan? In this episode of Behind the Wealth, Casey, Steve, and Scott discuss matching income to your needs and goals, making thoughtful withdrawal decisions, and adjusting your plan as life changes. Visit premieriwm.com to download our Retirement Vision Board and Retirement Expense worksheets. Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides  Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Prior to investing in a five twenty nine Plan, investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.  This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

The Moneywise Radio Show and Podcast Wednesday, September 23rd  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Dr. Richard Gearhart, Professor of Economics at CSU-Bakersfield  The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Dr. Richard Gearhart & CSU-Bakersfield are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

The Moneywise Radio Show and Podcast Thursday, September 24th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Ricky Montoya, Owner/CEO/DFT, Montoya Physical Therapy & Wellness website: https://montoyatherapy.com/ phone: 661-679-6238 instagram: @montoyaphysicaltherapy facebook: Montoya_Physical_Therapy_and_Wellness The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Ricky Montoya & Montoya Physical Therapy are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

Financial markets around the world are more connected to the U.S. economy than you may realize. In this week's episode of Educational Insights, Ashley Page explores how foreign capital flows, currency fluctuations, global market stress and international investing can influence everything from U.S. interest rates and inflation to market volatility and portfolio diversification. As global markets become increasingly interconnected, understanding these relationships can provide important context for investors. Watch to learn more. Ashley Page, JD, MBA Senior Vice President Wealth Consultant Email Ashley Page here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post How Impactful are Foreign Financial Markets on the U.S. Economy? first appeared on Fi Plan Partners.

Executive leadership coach Lynell Shattls joins Regina to discuss the challenges that often follow professional success.   Lynell explains why accomplished leaders still struggle with imposter syndrome, how delegation can create opportunities for others, and why an outside perspective can help people recognize progress they may not see themselves.   She also shares her own experience with burnout, the boundaries she wishes she had established earlier in her career, and why she encourages clients to make room for joy long before retirement.   Episode Highlights:   0:00 - Introduction 0:38 - Meet executive leadership coach Lynell Shattls 1:31 - Recognizing progress before clients see it themselves 3:33 - Imposter syndrome, confidence, and delegation 4:40 - Developing executive presence through storytelling 5:24 - Why experience does not eliminate self-doubt 6:15 - Creating a personalized coaching relationship 7:54 - Burnout and boundaries as a professional woman 9:44 - Lynell's vision for retirement 11:45 - Favorite trips and national parks 14:38 - Closing thoughts and where to connect with Lynell    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH LYNELL   Website: https://www.lynellshattls.com/ LinkedIn: https://www.linkedin.com/in/lynellshattlscoach/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org   Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   For a list of states in which I am registered to do business, please visit www.forgewealth.com  

The Moneywise Radio Show and Podcast Tuesday, September 22nd  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Matt Clark & Chris Hagan, Local Attorneys of Chain Cohn Clark Law  website: https://www.chainlaw.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Matt Clark, Chris Hagan & Chain Cohn Clark Law are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

Understanding the Supply Shock The Federal Reserve recently raised interest rates in line with market expectations. Because interest rates had already moved higher ahead of the decision, the increase itself was largely anticipated and had already been reflected in financial markets. The move also followed rate increases from other major central banks, including the European Central Bank and the Bank of Japan. The more important question is what comes next. Historically, raising interest rates can be an effective tool for addressing inflation caused by strong demand. Higher borrowing costs make it more expensive to finance purchases, which can encourage consumers and businesses to delay spending. In turn, that reduces current demand and can help bring supply and demand back into balance. This creates a challenge when inflation is being driven by a supply shock. The current pressure in oil markets is an example. The issue is not necessarily that consumers suddenly want more gasoline. Rather, there is a constraint on the amount of oil available. Consumers still need to purchase gasoline even when prices rise, meaning higher interest rates do little to address the underlying supply shortage. That creates a difficult combination. Interest rate increases raise the cost of borrowing at the same time that the cost of essential goods and energy is increasing. If the current rate increase remains a one-time move, its impact may be relatively limited. A prolonged rate-hiking cycle, however, could create additional pressure without directly addressing the supply-side factors driving prices higher. Another development to watch is the relationship between the United States and China, particularly as the two countries navigate the global energy market. China is one of the world’s largest oil consumers and also produces significant amounts of refined petroleum products for export. Discussions between the two countries could have implications for global energy supply, tariffs and other geopolitical issues. The combination of energy prices, monetary policy and geopolitical developments makes the coming months an important period for investors to monitor. The Impact of Energy on Inflation Energy prices are one of the most visible ways consumers experience inflation. With gasoline prices around $4 per gallon in the Birmingham area and higher prices being seen across much of the country, energy costs are increasingly noticeable in household budgets. Consumers are particularly sensitive to gasoline prices because there is not always an immediate substitute. Higher prices can therefore have a direct impact on day-to-day spending and become an increasingly prominent part of the broader inflation discussion. One important measure to understand is Personal Consumption Expenditures, or PCE. PCE measures the prices paid by U.S. consumers for goods and services and is one of the inflation measures closely monitored by the Federal Reserve. Energy spending currently represents roughly 4% of total U.S. PCE. That percentage is significantly lower than it was during some previous periods, including the 1980s and early 2000s, when energy represented a much larger share of consumer expenditures. That distinction is important when considering the global impact of higher oil prices. While U.S. consumers certainly feel higher energy costs, the effect can be substantially greater in emerging economies where households devote a larger portion of their disposable income to energy. The total amount the United States spends on oil also provides useful perspective. U.S. oil consumption has generally remained around 20 million barrels per day in recent years, outside of the unusual conditions of 2020. At an average price per barrel, that translates into hundreds of billions of dollars in annual oil expenditures. When oil prices rise, the total amount spent on energy increases significantly even if consumption remains relatively steady. At approximately $80 per barrel, for example, annual expenditures are substantially higher than at lower price levels. At $100 per barrel, the increase becomes even more pronounced. That additional spending has broader economic implications because more consumer and business dollars are directed toward energy rather than other goods and services. As the year progresses, the path of oil prices will therefore remain an important factor in the inflation outlook. If energy prices remain elevated, consumers are likely to continue feeling that pressure, particularly as the economy moves toward the midterm election year. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Shocks and Demand first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Friday, September 18th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest:  Corey Davisson, Special Edication Teacher for the Kern High School District, Owner of Corey Davisson Baseball & Next Level Baseball website: https://www.diamondvillage.net/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Corey Davisson, Kern High School District & Diamond Village Baseball are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

Financial independence isn't just about saving as much as possible—it's about making thoughtful decisions with your money along the way. In this episode, we discuss how to balance enjoying life today with competing financial priorities such as buying a home, saving for college and preparing for retirement. Learn how to prioritize your goals, navigate tradeoffs and build a financial plan that supports both your current lifestyle and long-term vision.  Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides  Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Prior to investing in a five twenty nine Plan, investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.  This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Financial independence comes with plenty of new financial decisions, and a few common missteps can make managing money more challenging than it needs to be. In this week's episode of Educational Insights, Robert Moody breaks down five money mistakes young adults often encounter, from skipping a budget to misusing credit and putting off saving. He also shares practical habits that can help build a stronger financial foundation over time. Watch to learn more. Robert Moody, CFP®, CEPA® Senior Vice President Wealth Consultant Email Robert Moody here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Five Money Mistakes Young People Should Avoid first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Wednesday, September 16th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Merv Rash, Realtor at Jeff Jackson & Associates  website: https://buyinbakersfield.com/agent/merv-rash email: mervrashrealtor@gmail.com phone: 661-706-3146 The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Merv Rash & Jeff Jackson + Associates are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

Wendy Romig never planned to take over her family's commercial printing management company. Then the pandemic changed everything.   Wendy joins Regina to share what it was like buying the business from her father, navigating supply chain disruptions and modernizing the company –  all while finding her voice in a male-dominated industry.    She also discusses her work as a doctor of clinical nutrition and the need for more personalized conversations around women's health, specifically: hormones, stress, and gut health.   And of course, it wouldn't be a Women and Wealth episode without double clicking on retirement plans and Wendy's vision for life beyond her career.   Episode Highlights:   0:00 - Meet Wendy Romig 1:25 - Taking over the family business 4:08 - Making the company her own 6:15 - Adapting to technology and AI 7:17 - Functional medicine and personalized care 9:14 - Hormonal health, stress, and menopause 13:41 - The connection between gut health and hormones 15:48 - Leading in a male-dominated industry 19:04 - Finding her voice and learning to negotiate 20:55 - Wendy's vision for retirement 23:06 - Closing thoughts    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH WENDY   Website: https://www.bracelandgroup.com/ LinkedIn: https://www.linkedin.com/in/wendy-romig-dcn-ms-mba-2b666111/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org   Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   For a list of states in which I am registered to do business, please visit www.forgewealth.com   

The Moneywise Radio Show and Podcast Tuesday, September 15th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: John Duffield, CPA/MST website: https://www.bakersfieldaccountants.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. John Duffield & Integra Accountants are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden discuss the pros and cons of buying versus leasing a car.  You make think the answer is clear, but just like with everything in financial planning, it depends! Considerations discussed in this episode include: Total out of pocket expenses and monthly costs of owning and leasing. Changing technology in different sectors of the car market. Personal considerations including how long you may own a car, how much you may drive, and whether your needs may change over time. Owning a depreciating asset. It may seem that buying is automatically the best option.  You will likely pay less long-term if you purchase a car and keep it for a long time, ending up with an asset (even if it has depreciated in value) and no monthly payment.  But that may not fit your situation!  Listen to the full episode to hear more. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.   Citations: Auto Lease Calculator (citing Edmunds/Experian Q1 2026 data).  Auto Lease Calculator 2026.  https://caraffordcalc.com/tools/auto-lease-calculator/   “The Average Car Payment Just Hit a Record $777 a Month.  That's Not Even the Whole Bill.”  Flexcar (citing Edmunds Q2 2026 data).  July 20, 2026.  https://www.flexcar.com/blog/the-average-car-payment-just-hit-a-record   Brozic, Jennifer.  “Average Car Payment in 2026.”  Experian. July 14, 2026.  https://www.experian.com/blogs/ask-experian/average-car-payment/   Fitzpatrick, Mark.  “Do I Need Gap Insurance on a Used Car in 2026?”  MoneyGeek.  September 1, 2026.  https://www.moneygeek.com/insurance/auto/do-i-need-gap-insurance-on-a-used-car/   Fitzpatrick, Mark.  “What Is Gap Insurance?”  MoneyGeek.  February 25, 2026.  https://www.moneygeek.com/insurance/auto/what-is-gap-insurance/   Gunara, Maggie.  “Average Car Payment and Auto Loan Statistics: 2026.”  LendingTree.  June 23, 2026.  https://www.lendingtree.com/auto/debt-statistics/   Henry, Jim and Ryan Maxin.  “Average Auto Loan Rates in September 2026.”  U.S. News.  September 8, 2026. https://cars.usnews.com/cars-trucks/advice/average-auto-loan-interest-rates   Howard, Brittany.  “Average auto loan interest rates by credit score in 2026.”  Yahoo Finance (citing Experian Q1 2026 data). July 31, 2026.  https://finance.yahoo.com/news/average-car-loan-interest-rates-212521067.html   Howard, Brittany.  “Auto Loan Rates & Financing in 2026.”  Bankrate.  https://www.bankrate.com/loans/auto-loans/rates/   Lacagnina, Christine.  “What Is Gap Insurance? 2026 Cost & How It Works.”  InsuredBetter.  June 10, 2026. https://www.insuredbetter.com/car-insurance/auto-coverage-types/gap/   Luthi, Beth.  “Average Car Loan Interest Rates by Credit Score.”  Experian.   July 13, 2026.  https://www.experian.com/blogs/ask-experian/average-car-loan-interest-rates-by-credit-score/   Luthi, Beth.  “The Latest Used Car Loan Interest Rates for 2026.”  Experian. July 14, 2026.  https://www.experian.com/blogs/ask-experian/used-car-loan-rates/   Luthi, Beth.  “Auto Loan Rates and Financing for 2026.”  Experian.  July 13, 2026.  https://www.experian.com/blogs/ask-experian/auto-loan-rates-financing/   S&P Global Mobility (press release).  “U.S. Vehicle Age Rises Again to 12.8 Years in 2025.”  S&P Global.  May 21, 2025.  https://press.spglobal.com/2025-05-21-U-S-Vehicle-Age-Rises-Again-to-12-8-Years-in-2025,-According-to-S-P-Global-Mobility   Tretina, Kat.  “Average cost of gap insurance in 2026.”  Insure.com.  June 5, 2026.  https://www.insure.com/car-insurance/gap-insurance-cost/

How Higher Rates Are Affecting Bonds The Federal Reserve has taken a measured approach to communicating its policy intentions, allowing the market to lead rather than trying to guide it with specific forecasts. That dynamic appears to be playing out as the market has already priced in much of the expected rate increase. Over the past month, the two-year Treasury yield has increased 46 basis points, the one-year yield has risen 34 basis points, and the three-month Treasury yield, which is closely tied to the federal funds rate controlled by the Fed, has increased 24 basis points. This represents a relatively healthy relationship between the Federal Reserve and the markets, with market expectations pulling the Fed forward rather than the Fed pushing markets in a particular direction. Traditionally, the Fed raises interest rates to slow economic growth and reduce inflation. The challenge this time is that inflation is being driven largely by higher oil prices rather than excessive economic growth. As a result, higher interest rates could slow economic activity while elevated oil prices are putting additional pressure on consumers. For consumers, that could create a double impact. Higher oil prices can reduce disposable income, while higher interest rates increase borrowing costs. For investors, however, higher rates can provide a benefit. Interest rates represent what borrowers pay, but that interest is income for investors. With roughly $7 trillion in money market assets in the U.S., a 25-basis-point increase would provide a meaningful boost to interest earned by savers. Ultimately, higher rates are likely to be a net positive for savers and a net negative for borrowers. How those effects ultimately flow through to the stock market will be important to watch. What History Tells Us About Stocks History can provide some perspective on how stocks have responded to previous Federal Reserve tightening cycles. Looking at the S&P 500 following the initial rate hikes across the six tightening cycles since 1994, stocks have generally struggled during the first several months following the initial increase. On average, returns were negative through the first four months before improving significantly five to six months after the initial hike. However, there have been notable exceptions. Following the initial rate hike in March 2022, the S&P 500 fell over the subsequent two months and remained down for more than 12 months. That period presented a uniquely difficult backdrop, with long-term interest rates rising from historically low levels as inflation surged to multi-decade highs following the pandemic. The Federal Reserve was forced to tighten aggressively after initially viewing inflation as transitory. Its history of continuing to raise rates until something breaks also contributed to fears that a recession was approaching. The stock market ultimately experienced a roughly 25% drawdown, consistent with the kind of decline investors might expect during a recession, although the U.S. economy did not technically enter one in 2022. The environment today is notably different. Another important exception occurred in 1997. Stocks significantly outperformed the other tightening cycles, with the S&P 500 gaining nearly 8% two months after the initial hike and approximately 42% one year later. The dot-com boom and optimism surrounding the internet helped propel stocks higher despite rising interest rates. That period offers an interesting comparison to today’s environment, where enthusiasm surrounding artificial intelligence plays a similar role. Revolutionary technology can, at least for a time, outweigh the effects of higher interest rates. Another rate hike in 1999 was followed by another strong 12-month gain in the S&P 500, illustrating how long the technology bubble continued to inflate before eventually bursting in 2000. The key lesson from these historical cycles is that rate hikes do not necessarily derail bull markets. The picture changes when rising rates coincide with increasing recession risk. Today, recession risks remain relatively low. Economic growth is solid, the labor market remains healthy, and while inflation is still elevated, it is well below the levels seen in 2022. At the same time, interest rates have already moved substantially higher, which may reduce the shock to bond portfolios from additional modest increases in market-based rates, such as the 10-year Treasury yield. While history does not provide a perfect blueprint for what comes next, today’s combination of economic resilience and moderating inflation looks more like the late 1990s than the challenges of 2022. That does not mean investors should expect another 40% rally. It does suggest that the current economic backdrop remains supportive for equities, even if markets experience volatility in the weeks and months ahead as investors continue to assess the Federal Reserve’s path. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post How Will Stocks React? first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Friday, September 11th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Carrie Blind, Owner of Wild N' Styled (Hair Stylist) & Art Heist  websites: https://www.prekindle.com/event/95678-la-vie-boheme-an-art-heist-fundraiser-bakersfield https://www.instagram.com/wildnstyled/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Art Heist, Wild n Styled & Carrie Blind are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

The Moneywise Radio Show and Podcast Wednesday, September 9th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: John Cox, Business Editor for the Bakersfield Californian  website: www.Bakersfield.com The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. John Cox & The Bakersfield Californian are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

The Moneywise Radio Show and Podcast Thursday, September 10th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Jeff Salters, President of A Portrait of a Warrior Gallery & Owner of, Salty's BBQ websites: https://www.kern-warrior.org/ https://www.saltysbbq.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. A Portrait of a Warrior Gallery, Salty's BBQ & Jeff Salters are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

Guest: Chad Taylor, Founder, Seapoint Wealth Advisors (San Diego, CA) — Forbes 2026 Best-in-State Wealth Advisors (confirm firm name/URL before publishing)What you'll learn in this episode:• How do you know if your clients are truly loyal — and what does bringing over 100% of your book actually prove?• What finally makes it worth leaving a warehouse firm to go independent?• If everyone says “it's about service,” how do you make yours believable to a prospect?• Why does having a defined, written client process matter more than the pitch?• How should you think about risk management and insurance as a fiduciary — starting from the plan, not the product?• When do annuities make sense again, and what changed with higher rates?• What's driving the wave of practice acquisitions, and how do you assess cultural fit before you buy?• How do you help high earners overcome “lifestyle creep” and see whether they're actually on track? **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Saving even a modest amount each month can add up over time, with the potential impact shaped by consistency, time, and investment returns. In this week's episode of Educational Insights, Bobby Norman explores how starting early and allowing compounded growth to work over the long term can influence the value of regular savings. Watch to learn more. Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post The Importance of Saving Early first appeared on Fi Plan Partners.

Emily Field is the Chief People Officer at LPL Financial. In this episode Emily she shares lessons from her transition from management consulting to becoming a Chief People Officer, including how to approach onboarding, operate as a strategic business leader, and serve as the connective tissue across an executive team. During the conversation, Emily also discusses how AI is changing work design, why organizations need to keep humans in the lead, and how leaders can turn workplace anxiety into agency. Finally, we close with a discussion about why why managers remain essential as teams increasingly work alongside AI agents.LinksEmily's LinkedIn: https://www.linkedin.com/in/emilykfield/Emily's Book: https://www.amazon.com/Power-Middle-Managers-Hold-Future/dp/1647824850

The Moneywise Radio Show and Podcast Tuesday, September 8th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Dr. Hugh Beatty, M.D. - The Wellness Doc website: https://www.hughbeatty.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Dr. Hugh Beatty, M.D. is not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

The Moneywise Radio Show and Podcast Thursday, September 3rd  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: Sam Stoothoff & Jake Tovar of Reverb Coffee  website: https://reverb.coffee/ instagram: @reverbcoffee facebook: Reverb_Coffee The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Sam Stoothoff, Jake Tovar & Reverb Coffee are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

The Moneywise Radio Show and Podcast Wednesday, September 2nd  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Allyn Medeiros, Sr. Loan Officer for Agape Mortgage  website: https://allynmedeiros.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Allyn Medeiros & Agape Mortgage are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

AI is no longer just transforming manufacturing and technology. From banking and healthcare to customer service and accounting, AI is reshaping the “back office” jobs that have long provided a path to the middle class, creating both challenges and new opportunities along the way. In this week's Educational Insights, Ashley Page explores which roles are changing most quickly and what this evolution could mean for workers, businesses, and the broader economy. Watch to learn more. Ashley Page, JD, MBA Senior Vice President Wealth Consultant Email Ashley Page here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Is AI Replacing America's Back Office? first appeared on Fi Plan Partners.

The Moneywise Radio Show and Podcast Tuesday, September 1st  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Mike McCoy, Executive Director for the Kern County Museum  website: https://kerncountymuseum.org/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Mike McCoy & The Kern County Museum are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management

The Moneywise Radio Show and Podcast Monday, August 31st  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: A.J. Antongiovanni, President/CEO of Mission Bank website: https://www.missionbank.bank/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. A.J. Antongiovanni & Mission Bank are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management  

In this episode, hosts Corey Janoff and Rachelle Vanderzanden walk through the hidden expenses that can derail your financial plan. While meticulous budgeting is not necessary for most high-income individuals, it can be helpful to “expect the unexpected”. Hidden or Unexpected Expenses Can Include: Large inflation-related adjustments to things like property taxes and insurance. Deferred home maintenance that hits all at once. Sometimes it's challenging to be prepared for large costs that only hit once a decade. Supporting children as they get older. Sometimes this is by choice, but sometimes it feels necessary! Could range from continued education, helping with grandkids, to paying for the entire family to go on vacation. Divorce… Not something you plan for, but certainly has a huge financial impact for all parties. Lifestyle creep in early retirement. Increased healthcare expenses with age. Especially as you plan for retirement, make sure to build some buffer into your expected income needs!  If you think you may need $15,000 per month for regular expenses, be prepared to need more periodically for the big things that only happen occasionally.  Listen to the full episode to hear more. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.   Citations: Employee Benefits Security Administration.  “Top 10 Ways to Prepare for Retirement.” U.S. Department of Labor.  https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/top-10-ways-to-prepare-for-retirement   Hughes, Carol R., Ph.D. LMFT, and Bruce R. Fredenburg, M.S., LMFT.  “Why the Divorce Rate for Older Couples Continues to Rise.”  Psychology Today. January 21, 2026.  https://www.psychologytoday.com/us/blog/home-will-never-be-the-same-again/202108/why-the-divorce-rate-for-older-couples-continues-to   Ochieng, Nancy, Juliette Cubanski, Tricia Neuman, and Anthony Damico.  “Health Costs Consume a Large Portion of Income for Millions of People with Medicare.” KFF.  August 21, 2025. https://www.kff.org/medicare/health-costs-consume-a-large-portion-of-income-for-millions-of-people-with-medicare/   Palasciano, Adam.  “How Much to Budget for Home Maintenance”.  Investopedia.  May 22, 2025.  https://www.investopedia.com/home-maintenance-budget-8608913   Strange, William.  “How much should high earners save for retirement each year?”  Milliman.  November 13, 2025.  https://www.milliman.com/en/insight/how-much-should-high-earners-save-retirement

The Moneywise Radio Show and Podcast Friday, August 28th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Bakersfield Police Department Officer, Jose Lara   website: https://www.bakersfieldpal.org/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Casey Schaubschlager, Wendy Porter & The Wounded Heroes Fund are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Thursday, August 27th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: Wendy Porter, Executive Director for The Wounded Heroes Fund & Casey Schaubschlager, Director of  Programs and Outreach for The Wounded Heroes Fund website: https://thewoundedheroesfund.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Casey Schaubschlager, Wendy Porter & The Wounded Heroes Fund are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Wednesday, August 26th   BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Jay Tamsi, President/CEO of the Kern County Hispanic Chamber of Commerce & Host of "Buenos Dias Kern County" website:  https://kchcc.org/ Buenos Dias Kern County Podcast: https://open.spotify.com/show/033j2FhdqTtXs7QUAlxWLc?si=59d61e337eaf40d7 The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. The Hispanic Chamber of Commerce, Buenos Dias Kern County Podcast & Jay Tamsi are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

Wes Rowlands learned his earliest lessons in business and finance not in a classroom, but on a golf course at eleven years old. Raised by a single mother and determined to change the trajectory of his family, he turned necessity into an education. He started first as a caddie, then college internships, Wall Street, and ultimately the wealth-management businesses he leads today. In this episode, Wes shares why showing up often matters more than credentials, why business is emotionally harder than it is intellectually complicated, and how creating value with humility became both his philosophy and his mission. We also talk about opportunity through observation, optimizing for access, and education with application.About Wes RowlandsWesley Rowlands helps business owners build long-term net worth through strategic investing and disciplined financial planning. With nearly 20 years of experience across Wall Street, consulting, and private wealth management, Wesley specializes in translating complex financial strategies into clear, actionable guidance that supports sustainable wealth growth.Wesley is a partner and advisor at Atikan Wealth Partners, where his team manages over $570 million in assets. He holds his Series 7, Series 63, and Series 65 registrations through LPL Financial, earned his undergraduate degree in finance from Drexel University, and completed the Executive Education Wealth Management Program at The Wharton School of Business. He is currently pursuing his Certified Financial Planner™ (CFP®) designation through NYU.More from Wes at:Website: https://www.atikanwealth.com/Instagram: @wes.rowlandsLinkedIn: Wes Rowlands To learn more, visit:https://www.linkedin.com/in/jason-shupp-18b4619b/ Listen to more episodes on Mission Matters:https://missionmatters.com/author/Jason-Shupp/

The Moneywise Radio Show and Podcast Tuesday, August 25th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Stephen Winters, CEO of the White Wolf Wellness Foundation  website:  https://whitewolfwellness.org/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Stephen Winters & The White Wolf Wellness Foundation are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Monday, August 24th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: Dr. Vip Dev, M.D., Director of Plastic Surgery at California Institute of Cosmetic and Reconstructive Surgery  websites: https://cicrsmed.com/ https://www.adventisthealth.org/central-california/locations/wound-care-hyperbaric-therapy-adventist-health-bakersfield/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Dr. Vipul Dev & The Wound Care Center are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].

The Moneywise Radio Show and Podcast Thursday, August 20th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: Matt Clark & Chris Hagan, Partners & Trial Attorneys at Chain, Cohn, Clark website: https://www.chainlaw.com/ The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Matthew Clark, Chris Hagan & Chain, Cohn Clark Law are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].