Podcasts about registered financial consultant

Chris Dixon is the Co-Founder of Oxford Advisory Group. He is responsible for the company vision and business strategy. Chris focuses on tax-efficient strategies for retirees and advanced tax planning.Chris received his Bachelor of Science. He graduated with Political Science Honors. He also studied through Harvard Business School and received his certificate in Sustainable Business Strategy.He is a Registered Financial Consultant focused on helping retirees develop tax-efficient strategies and income planning. He is also responsible for securing banking relationships with some of the top banks on Wall Street.Christopher is a speaker at the firm's informational seminars on Taxes in Retirement and Social Security. Christopher regularly trains other advisors from around the country on tax strategies for retirees.He is the co-host of Reinventing Retirement TV on ABC 10, NBC 8 and Fox 13. Reinventing Retirement Radio on WFLA 93.1, Chris is the co-author of Total Tax Free Retirement book. He has authored articles in Newsmax Finance and also been featured in Yahoo! News Nasdaq, and US News. Chris sits on the board of the Advent Health Foundation.Learn More: https://oxfordadvisorygroup.com/This is prepared for informational purposes only. It does not address specific investment objectives, or the financial situation, and the particular needs of any person who may receive this report. The information herein was obtained from various sources. Oxford Advisory Group does not guarantee the accuracy or completeness of information provided by third parties. The information in this report is given as of the date indicated and is believed to be reliable. Oxford Advisory Group assumes no obligation to update this information or to advise on further developments relating to it.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-dixon-with-oxford-advisory-group-discussing-taxes-estate-plans

Chris Dixon is the Co-Founder of Oxford Advisory Group. He is responsible for the company vision and business strategy. Chris focuses on tax-efficient strategies for retirees and advanced tax planning.Chris received his Bachelor of Science. He graduated with Political Science Honors. He also studied through Harvard Business School and received his certificate in Sustainable Business Strategy.He is a Registered Financial Consultant focused on helping retirees develop tax-efficient strategies and income planning. He is also responsible for securing banking relationships with some of the top banks on Wall Street.Christopher is a speaker at the firm's informational seminars on Taxes in Retirement and Social Security. Christopher regularly trains other advisors from around the country on tax strategies for retirees.He is the co-host of Reinventing Retirement TV on ABC 10, NBC 8 and Fox 13. Reinventing Retirement Radio on WFLA 93.1, Chris is the co-author of Total Tax Free Retirement book. He has authored articles in Newsmax Finance and also been featured in Yahoo! News Nasdaq, and US News. Chris sits on the board of the Advent Health Foundation.Learn More: https://oxfordadvisorygroup.com/This is prepared for informational purposes only. It does not address specific investment objectives, or the financial situation, and the particular needs of any person who may receive this report. The information herein was obtained from various sources. Oxford Advisory Group does not guarantee the accuracy or completeness of information provided by third parties. The information in this report is given as of the date indicated and is believed to be reliable. Oxford Advisory Group assumes no obligation to update this information or to advise on further developments relating to it.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-dixon-with-oxford-advisory-group-discussing-taxes-estate-plans

What if everything you thought you knew about wealth was wrong? Many business owners think they own a business. However, in reality, they just own a high-paying job — one that eats up time, freedom, and energy…   This episode cuts through common misconceptions with a raw, honest conversation featuring wealth strategist Eric Miller. Are you ready to hear the unfiltered truth about building real, lasting wealth and planning an exit that actually sets you free? If legacy matters more to you than lifestyle, you'll want to stick around for this.   Jump in to discover:   How to manage finances to maximize the value of your business. The benefits of increasing your “make/break” number. What happens when you start prioritizing your profits and practice.  Eric Miller is the creator of the Econologics® Roadmap and the Financial Prosperity Index. As a Registered Financial Consultant with the IARFC, he has guided countless business owners from financial chaos to sustainable, exit-ready prosperity. In 2022, he authored How to Become a Financial Beast: Harness the Power of Your Practice to Build Personal Wealth & Go Out at the Top of Your Game, an Amazon Best Seller that's become a go-to resource for entrepreneurial wealth-building.   Want to keep up with Eric as he continues to be a beacon of financial sanity for others? Be sure to check out his podcast, The Financial Beast Podcast for Practice Owners! Episode also available on Apple Podcasts: http://apple.co/30PvU9C

As a dental practice owner or associate, do you feel you are financially sound? Do you feel comfortable with your finances? If you don't then how can you turn things around. Today we'll be talking with Eric Miller. Eric has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant. He takes pride in helping practice owners become the financial heroes of their own stories and has taken this passion to over 600 families in the past decade. Thanks to our episode sponsor: GC America - https://www.gc.dental/

If you own a dental practice you are an investor in your business. But many of us look at what we do in the office as a job. In this episode we'll dive deeper into this mindset and see why this can effect our career satisfaction and financial success. Our guest is Eric Miller. Eric has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant. He takes pride in helping practice owners become the financial heroes of their own stories and has taken this passion to over 600 families in the past decade. Thanks to our episode sponsors: SciCan - https://www.scican.com/us/ 3M - https://www.3m.com/clarity-aligners-flex/

You can be at any stage of your career and decide to sell your practice. Things come up. Things change. So what should you be thinking about before you make that huge decision to sell? Our guest, Eric Miller, will try to put things into perspective when it comes to exiting your practice. Eric has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant. He takes pride in helping practice owners become the financial heroes of their own stories and has taken this passion to over 600 families in the past decade. Thanks to our episode sponsor: VOCO America - https://www.voco.dental/us/

Mike is a Registered Financial Consultant and a Certified Professional Behavioral Analyst, a best-selling author and a highly sought after public speaker. His 46 years in the insurance space working with Aflac makes him a unique and knowledgeable  sought after voice.   Mike is also a former high school baseball coach and summer select baseball coach with 3 Texas State Championships and 1 National Championship.   Mike coached the USA 16 International Team 5 years in Australia winning the “Down Under” Championship all 5 years. After winning two batting championships in the TX/LA Professional Baseball League, 1977/1978, Mike was offered a minor league baseball contract with the NY Mets.  To learn more about Mike, you can go to his website: https://ichoselive.com or on Linkedin: @mike-coy-r-f-c-c-p-b-a-865b9a58 --- Support this podcast: https://podcasters.spotify.com/pod/show/lyndsay-dowd/support

Happiness Solved with Sandee Sgarlata. In this episode, Sandee interviews Mike Coy. Mike Coy is fueled by his father's parting words, "Make a difference," champions those hungry for success. A best-selling author and keynote speaker, his journey gained depth through an unyielding fight against cancer, fueling his acclaimed book "I Chose…Live: There's No Cheating Cancer, And We All Have a Choice To Make." This battle solidified his pursuit of excellence. Beyond his stellar career as a Registered Financial Consultant, Mike's accolades extend to a triumphant baseball journey, coaching luminaries like Drew Brees and offered a minor league contract with the NY Mets. Mike's empowering speeches stir audiences, infusing them with life-changing strategies. He champions a belief: Winners find a way to win. Losers only find excuses for why they fail.   Sign up for the Happiness Solved Plus Exclusive Membership Site: http://HappinessSolved.Supercast.com Connect with Mike: https://ichoselive.com/ Free gifts: www.mikecoyspeaks.com/gifts  Connect with Sandee www.sandeesgarlata.com Podcast: www.happinesssolved.com www.facebook.com/coachsandeesgarlata www.twitter.com/sandeesgarlata www.instagram.com/coachsandeesgarlata  

In this week's episode, I am thrilled to welcome Mike Coy to the podcast who joins me from Chattanooga, TN, United States. Mike Coy grew up on the baseball field. From his early days of playing in Beaumont, Texas, to a long history of coaching, he has always been drawn back to the game. His dad was an umpire and coach that helped every kid in town with their game. Baseball is in his blood. And with good reason — his teams are winners!After playing in college, Mike moved into the TX/LA Professional Baseball League where he hit .556 for a magical season in 1977, won the league championship, was named MVP and Offensive Player of the Year two years in a row, and won a contract offer with the New York Mets baseball team. Since then, he has gone on to coach Little League, Senior League, Big League and Select Baseball. Today, at 60+ years old, Mike is still playing and dominating Men's Senior Baseball League with seven (7!) World Championship Rings!Fueled by his father's poignant words, "make a difference," Mike transformed a harrowing battle with cancer into an incredible journey of triumph. As a sought-after keynote speaker and best-selling author of "I Chose…Live: There's No Cheating Cancer, And We All Have a Choice To Make," a testament to overcoming adversity and making life-changing choices.With a powerful mantra, "Winners find a way to win. Losers only find excuses why they fail," Mike inspires profound shifts in perspective and action, motivating individuals to embrace purpose and resilience. Mike's story encompasses not just a battle against cancer but a testament to the resilience of the human spirit. His strength lies in his ability to motivate others to find purpose, conquer adversity, and live each day with gratitude and determination.Mike also has a stellar career as a Registered Financial Consultant.It has been my pleasure to have Mike join me, and I know, my listeners, that you will enjoy the episode. Enjoy the episode, and a special thank you to my listeners for joining me on this journey. If you wish to connect with Mike, check out his website and social media links below. Website: https://www.ichoselive.com/Facebook: https://www.facebook.com/IChoseLive/LinkedIn: https://www.linkedin.com/in/mikecoy/Free Gift: https://www.mikecoyspeaks.com/giftBook: https://www.kobo.com/us/en/ebook/i-chose-live Please, head to Amazon, Takealot or Audible at the link and get your copy of my E-book, paperback book or audiobook edition, of Ray of Light, and please leave me a rating and review. It would mean the world to me.Amazon.com Link: Support the showPlease support the show on Paypal: PayPal.Me/marlenegmcconnell

GUEST OVERVIEW: Mike Coy, fueled by his father's parting words, "Make a difference," champions those hungry for success. A best-selling author and keynote speaker, his journey gained depth through an unyielding fight against cancer, fueling his acclaimed book "I Chose…Live: There's No Cheating Cancer, And We All Have a Choice To Make." This battle solidified his pursuit of excellence. Beyond his stellar career as a Registered Financial Consultant, Mike's accolades extend to a triumphant baseball journey, coaching luminaries like Drew Brees and offered a minor league contract with the NY Mets. Mike's empowering speeches stir audiences, infusing them with life-changing strategies. He champions a belief: Winners find a way to win. Losers only find excuses for why they fail. https://ichoselive.com/

Route 664 Host Les Winston, Philanthropist, talks with Simon Stucky Singer, Certified Financial Planner, Chartered Advisor in Philanthropy, and Registered Financial Consultant. socialsecharity.org

Shea Senson is a native of Blanding Utah, and is a managing partner and founding member of Stonebriar Financial. He is a Registered Financial Consultant and helps his clients find tax and risk efficient retirement and legacy solutions for their families.  Sheas biggest endeavors however, have been his philanthropy efforts in giving back to the community and those he serves.  He founded the “Swenson Foundation” in honor of his grandparents  who raised him. The Swenson Foundation gives leadership awards and scholarships to the Blanding, Utah community where Shea grew up. He recently launched his second non-profit with his partners called “The Stonebriar Foundation” whose mission is to provide solutions to fight the lack of financial literacy currently plaguing our society.  Shea has been nationally recognized in major publications including Forbes, Wealth Insider and New York Todaywww.stonebriarfinancial.comFree PDF on digital safetyBook Nate To Speak!Follow Nate On IG @bulliesbe.gone

Welcome back to Don't Retire… Graduate! On this episode, Eric Brotman chats with financial industry veteran Troy Holt about the importance of financial literacy and shares some key strategies for managing your personal finances.  Troy is passionate about financial literacy and explains how a job in finance can provide both community impact and personal satisfaction beyond merely making money. He is here to walk us through the seven money milestones he and his team have identified in the financial planning journey, starting with financial education and leading to building and protecting wealth. Listen now for tips on cutting expenses, generating income through multiple streams, and protecting wealth with proper insurance coverage and investment in income-producing assets.  In this episode we'll talk about: • The importance of financial education  • The areas in our finances where most people are not protected, including life insurance and disability insurance • Rules of thumb for emergency funds and managing debt • Cash flow and how to begin building wealth • Investing in income-producing assets and creating multiple income streams • Avoiding one-size-fits-all financial advice and finding an advisor that can act as a copilot  Visit dontretiregraduate.com for a full transcript of this episode. About Troy Holt: Troy Holt is a skilled sales and account executive with over 20 years of experience in business growth, development and financial planning. As a Certified Financial Educator & Registered Financial Consultant, Troy is licensed in 20 states and is an independent coach, speaker, and trainer. He is well-versed in communication, leadership, and work ethic, and has a proven track record of success in his endeavors. He is the co-author of an Amazon Best Seller book and host of the Troy Talks podcast, where he shares his expertise and personal stories to inspire others. Troy is also the CEO (Chief Encouragement Officer) of Troy Holt Consulting LLC, a growing financial consulting company focused on empowering and educating individuals and small business owners on wealth accumulation, preservation, and debt elimination. Troy is an engaging and motivating speaker, mentor, and Independent Coach, Speaker, and Trainer with The John Maxwell Company, who has made it a personal mission to eliminate financial illiteracy, particularly in the African American community with a focus on black women. Troy is a 33-year member of the same church, serving in ministry for 29 years and as a Licensed Elder with the Pentecostal Assemblies of the World for 26 years. He currently resides in Pensacola, FL with his wife of 31 years, one adult son, and three grandchildren. Troy Holt's LinkedIn: https://bit.ly/3dru6pP Troy Holt's Instagram: https://bit.ly/3YEo9OZ Troy Holt's Twitter: https://bit.ly/33EMQ2W Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we have an exclusive interview with Clifton Corbin, a Registered Financial Consultant, MBA, PMP,  and author of “Your kids, Their Money”,who specializes in financial literacy and building generational wealth. Clifton shares his insights on how parents can teach their children about money management and financial responsibility at an early age to uplift the next generation and build a lasting legacy. According to Clifton, teaching children about wealth before they get older is crucial to their long-term financial success. Clifton shares some practical tips for parents to start teaching their children about money, including the importance of saving, budgeting, and investing. Clifton also emphasizes the significance of building a legacy through financial literacy. He discusses how parents can create a financial plan that ensures their children's financial stability and empowers them to achieve their financial goals. Clifton shares his own experiences of working with families and helping them build generational wealth. Key Takeaways: - The importance of financial literacy for children - Practical tips for teaching children about money - How to build generational wealth through financial planning - Strategies for creating a lasting legacy for your family This episode is a must-listen for anyone who wants to uplift the next generation, teach their children about wealth, and build a lasting legacy for their family. Tune in now to hear Clifton's expert insights on financial literacy and generational wealth. ABOUT OUR GUEST: CLIFTON CORBIN Clifton D. Corbin, MBA, PMP, was a business consultant with over two decades of experience when he left the office to become a full-time stay-at-home dad. During this time, he authored his first book, “Your Kids, Their Money”, which focuses on providing parents with the skills and tools to teach financial literacy to their children. Clifton graduated from Niagara University with a master's degree in business administration. He has spent years studying finance and is a passionate advocate for advancing the financial literacy of children and young adults.  When not reading or listening to podcasts about finance or economics, he can be found fixing-up his 100+-year-old Toronto home, playing basketball with his kids, chairing a PTA meeting or DJing in his basement.  LinkedIn: https://www.linkedin.com/in/cdcorbin/ REQUEST A CONSULTATION WITH WENDIE Request a free 15-minute consultation to discuss your social enterprise fill out this form at https://wendieveloz.com/contact  SHOP OUR MERCHANDISE Get your sustainability is a vibe shirt. JOIN THE SOCIAL IMPACT LEVEL UP COLLECTIVE ON SOCIAL MEDIA:  Visit the podcast website to check out all the episodes. Subscribe to the Social Impact Level Up on Apple Podcasts or Spotify Subscribe to our YouTube channel. Join the Social Impact Level Up Collective on Clubhouse Get our newsletter on LinkedIn CONNECT WITH WENDIE Visit this page to learn about my upcoming social impact masterclasses and events. Follow Wendie on Instagram, her Handle is @WendieVeloz Follow Wendie on LinkedIn Follow Wendie on Twitter Follow Wendie on Clubhouse Follow Wendie on Facebook Follow Wendie on YouTube Email: info@wendieveloz.com (Email me to request a social impact consultation or podcast guest requests) RESOURCES FOR SOCIAL ENTREPRENEURS We recommend these digital solutions to help grow your social enterprise.  Website hosting through Site Ground.  Record or livestream with StreamYard. Podcast, video, and audio editing with Descript. Manage your email list with Flodesk. Solopreneur and small business banking with Novo. Create courses and communities with LearnWorlds *Some of these may be affiliate links. --- Support this podcast: https://podcasters.spotify.com/pod/show/social-impact-level-up/support

​“To have and to hold”, these words are commonly thought of as being part of wedding or commitment vows but for me these words resonate across the board in all things especially finance. When we think about it, we are constantly in the process of working towards accumulating something. Possessions, money, a partner, a home, vehicle, health, relationships, achieving our personal goals, etc. During this accumulation of gathering to “have”; how many of us stop and think the cost of “holding” onto what we have accumulated. Especially when thinking about our personal finances and legacies. In today's world we are constantly being bombarded with financial advice, solicited. Every other person on social media is a financial guru, and phrases like “generational wealth”, “how to become a millionaire in 2 years” and “invest in this cryptocurrency today” flood our timelines along with images of everyone “living their best life” while in many cases leaving us wondering what were doing wrong. In today's episode of The Grief and Death Talk Podcast I have the honor of speaking with a credible source of financial information Mr. Ricardo Thomas. Ricardo Thomas is a graduate of Loyola University where he earned a Bachelor of Business Administration degree in Finance. He is a Registered Financial Consultant and Chartered Federal Employee Benefits Consultant. He also became a fully licensed investment broker at the age of nineteen. He is a practicing financial consultant and is the president of THOMAS-WADDELL & Associates, Inc., a financial consulting & asset management firm with clients across the country. He has also, worked as a Divorce Financial Analyst, served as an expert witness, and consulted on divorce cases where expert opinions were needed on divorce settlements. He is also a former contributing financial writer for both Perspectives Magazine and Women of Excellence Magazine. In addition, he is a former adjunct instructor at Delgado Community College and taught financial-related classes as a part of the University of New Orleans' Project Pass program. His work in personal finance has been featured in the Times-Picayune, N.O. City Business, New Orleans Tribune, Barnes & Nobles Bookstore, as well as other publications around the country. Mr. Thomas is a member of the International Association of Registered Financial Consultants. He is also involved in the community by serving as a board member for the past 19 years for Goodwill Industries of Southeastern Louisiana where he is currently vice chairman of the board. He is also a board member of the Urban League of Louisiana and is the current president of the Urban League Guild. He is also a former president of the Urban League of Greater New Orleans Young Professionals. Additionally, he is the immediate past chair of the Executive Council for WWNO FM radio, the local NPR affiliate and lastly, as a member of the African American leadership council for Compassion and Choices, a national non-profit focused on end-of-life planning. Over the years he has made numerous presentations on radio, television, and newspaper pertaining to a variety of financial topics. He is also the recipient of many awards including “Who's Who among U.S. Executives”, “Who's Who in Finance and Industry”, the & New Orleans; City Business Power Generation Award and was named a recipient of the 5-star Wealth manager award for financial planning and was featured in New Orleans magazine. Connect with Ricardo Online Website http://www.thomaswaddell.net/ LinkedIn https://www.linkedin.com/in/ricardo-twaconnect/ Twitter https://twitter.com/twaconnect Facebook https://www.facebook.com/thomaswaddellassociates/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/deathandgrieftalk/message

Jeff founded JP Morand & Company based on principals designed to assist families in creating and protecting their wealth in preparation for college planning and a financially secure retirement. His approach to business is an individually focused view to helping his clients understand all options that are available to them based upon their particular circumstancesJeff takes his role as “advisor” very seriously. His mission is to develop a plan that is customized to your needs, educate and advise you on a course of action and assist you in making an informed decision. The final decision is always yours.As your “advisor”, Jeff is compensated as such. compensation is based on the advice given, not on a transactional basis. This provides you with the assurance that he is truly objective in making recommendations and that he has a vested interest in the success of your financial future and in helping you meet and maintain your goals. He takes the time to understand the issues and provides practical solutions.Jeff has assisted clients in their financial decisions since 1980. His success and knowledge in this field has allowed him to teach financial classes at University of Colorado at Denver, participate as a member of the National Association of College Funding Advisors, and the National Association of Financial Planners. He has been featured in the Los Angles Times. Jeff has hosted 2 television programs, ‘The Financial Beacon” and “Making the Most of your Money”. He has been a guest on KTLA's Saturday Morning Show and KIGH Radio talk show. He has earned the professional designation of Registered Financial Consultant awarded by the International Association of Registered Financial Consultants. Jeff is also a member of the National Association of Eagle Scouts.Jeff's family is his first priority and he lives with his wife Lori in Parker, Colorado. All of his family are very active in their church. His hobbies are golf, camping, traveling and reading.Jeff not only provides you with sound financial advice but with a responsive team of professionals who are always available and ready to answer any questions you may have.Learn More:www.MySevenFs.comhttps://www.fmgwebsites.com/febe98b5-26f6-4cb3-9ec2-f3b1e046192a/mysevenfs-comInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeffrey-p-morand-discussing-his-seven-f-strategy-for-life

Jeff founded JP Morand & Company based on principals designed to assist families in creating and protecting their wealth in preparation for college planning and a financially secure retirement. His approach to business is an individually focused view to helping his clients understand all options that are available to them based upon their particular circumstancesJeff takes his role as “advisor” very seriously. His mission is to develop a plan that is customized to your needs, educate and advise you on a course of action and assist you in making an informed decision. The final decision is always yours.As your “advisor”, Jeff is compensated as such. compensation is based on the advice given, not on a transactional basis. This provides you with the assurance that he is truly objective in making recommendations and that he has a vested interest in the success of your financial future and in helping you meet and maintain your goals. He takes the time to understand the issues and provides practical solutions.Jeff has assisted clients in their financial decisions since 1980. His success and knowledge in this field has allowed him to teach financial classes at University of Colorado at Denver, participate as a member of the National Association of College Funding Advisors, and the National Association of Financial Planners. He has been featured in the Los Angles Times. Jeff has hosted 2 television programs, ‘The Financial Beacon” and “Making the Most of your Money”. He has been a guest on KTLA's Saturday Morning Show and KIGH Radio talk show. He has earned the professional designation of Registered Financial Consultant awarded by the International Association of Registered Financial Consultants. Jeff is also a member of the National Association of Eagle Scouts.Jeff's family is his first priority and he lives with his wife Lori in Parker, Colorado. All of his family are very active in their church. His hobbies are golf, camping, traveling and reading.Jeff not only provides you with sound financial advice but with a responsive team of professionals who are always available and ready to answer any questions you may have.Learn More:www.MySevenFs.comhttps://www.fmgwebsites.com/febe98b5-26f6-4cb3-9ec2-f3b1e046192a/mysevenfs-comInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeffrey-p-morand-discussing-his-seven-f-strategy-for-life

Jeff founded JP Morand & Company based on principals designed to assist families in creating and protecting their wealth in preparation for college planning and a financially secure retirement. His approach to business is an individually focused view to helping his clients understand all options that are available to them based upon their particular circumstancesJeff takes his role as “advisor” very seriously. His mission is to develop a plan that is customized to your needs, educate and advise you on a course of action and assist you in making an informed decision. The final decision is always yours.As your “advisor”, Jeff is compensated as such. compensation is based on the advice given, not on a transactional basis. This provides you with the assurance that he is truly objective in making recommendations and that he has a vested interest in the success of your financial future and in helping you meet and maintain your goals. He takes the time to understand the issues and provides practical solutions.Jeff has assisted clients in their financial decisions since 1980. His success and knowledge in this field has allowed him to teach financial classes at University of Colorado at Denver, participate as a member of the National Association of College Funding Advisors, and the National Association of Financial Planners. He has been featured in the Los Angles Times. Jeff has hosted 2 television programs, ‘The Financial Beacon” and “Making the Most of your Money”. He has been a guest on KTLA's Saturday Morning Show and KIGH Radio talk show. He has earned the professional designation of Registered Financial Consultant awarded by the International Association of Registered Financial Consultants. Jeff is also a member of the National Association of Eagle Scouts.Jeff's family is his first priority and he lives with his wife Lori in Parker, Colorado. All of his family are very active in their church. His hobbies are golf, camping, traveling and reading.Jeff not only provides you with sound financial advice but with a responsive team of professionals who are always available and ready to answer any questions you may have.Learn about the Countdown to College: http://www.collegefundingcoach.com/Get your free College Money Report™ – https://planning.college/collegefundiungcoach/cmrInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeffrey-p-morand-career-college-planning-coach-discussing-college-planning

Jeff founded JP Morand & Company based on principals designed to assist families in creating and protecting their wealth in preparation for college planning and a financially secure retirement. His approach to business is an individually focused view to helping his clients understand all options that are available to them based upon their particular circumstancesJeff takes his role as “advisor” very seriously. His mission is to develop a plan that is customized to your needs, educate and advise you on a course of action and assist you in making an informed decision. The final decision is always yours.As your “advisor”, Jeff is compensated as such. compensation is based on the advice given, not on a transactional basis. This provides you with the assurance that he is truly objective in making recommendations and that he has a vested interest in the success of your financial future and in helping you meet and maintain your goals. He takes the time to understand the issues and provides practical solutions.Jeff has assisted clients in their financial decisions since 1980. His success and knowledge in this field has allowed him to teach financial classes at University of Colorado at Denver, participate as a member of the National Association of College Funding Advisors, and the National Association of Financial Planners. He has been featured in the Los Angles Times. Jeff has hosted 2 television programs, ‘The Financial Beacon” and “Making the Most of your Money”. He has been a guest on KTLA's Saturday Morning Show and KIGH Radio talk show. He has earned the professional designation of Registered Financial Consultant awarded by the International Association of Registered Financial Consultants. Jeff is also a member of the National Association of Eagle Scouts.Jeff's family is his first priority and he lives with his wife Lori in Parker, Colorado. All of his family are very active in their church. His hobbies are golf, camping, traveling and reading.Jeff not only provides you with sound financial advice but with a responsive team of professionals who are always available and ready to answer any questions you may have.Learn about the Countdown to College: http://www.collegefundingcoach.com/Get your free College Money Report™ – https://planning.college/collegefundiungcoach/cmrInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeffrey-p-morand-career-college-planning-coach-discussing-college-planning

Jeff founded JP Morand & Company based on principals designed to assist families in creating and protecting their wealth in preparation for college planning and a financially secure retirement. His approach to business is an individually focused view to helping his clients understand all options that are available to them based upon their particular circumstancesJeff takes his role as “advisor” very seriously. His mission is to develop a plan that is customized to your needs, educate and advise you on a course of action and assist you in making an informed decision. The final decision is always yours.As your “advisor”, Jeff is compensated as such. compensation is based on the advice given, not on a transactional basis. This provides you with the assurance that he is truly objective in making recommendations and that he has a vested interest in the success of your financial future and in helping you meet and maintain your goals. He takes the time to understand the issues and provides practical solutions.Jeff has assisted clients in their financial decisions since 1980. His success and knowledge in this field has allowed him to teach financial classes at University of Colorado at Denver, participate as a member of the National Association of College Funding Advisors, and the National Association of Financial Planners. He has been featured in the Los Angles Times. Jeff has hosted 2 television programs, ‘The Financial Beacon” and “Making the Most of your Money”. He has been a guest on KTLA's Saturday Morning Show and KIGH Radio talk show. He has earned the professional designation of Registered Financial Consultant awarded by the International Association of Registered Financial Consultants. Jeff is also a member of the National Association of Eagle Scouts.Jeff's family is his first priority and he lives with his wife Lori in Parker, Colorado. All of his family are very active in their church. His hobbies are golf, camping, traveling and reading.Jeff not only provides you with sound financial advice but with a responsive team of professionals who are always available and ready to answer any questions you may have.Learn More: http://www.CollegeFundingCoach.com/DISCOVER YOUR WORK PERSONALITY STRENGTHS AND BEST CAREERShttps://www.careerfitter.com/free_test/careerbuilder?afid=1593Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeffrey-p-morand-rfc-registered-financial-consultant-college-funding-coach-discussing-career-planning

Jeff founded JP Morand & Company based on principals designed to assist families in creating and protecting their wealth in preparation for college planning and a financially secure retirement. His approach to business is an individually focused view to helping his clients understand all options that are available to them based upon their particular circumstancesJeff takes his role as “advisor” very seriously. His mission is to develop a plan that is customized to your needs, educate and advise you on a course of action and assist you in making an informed decision. The final decision is always yours.As your “advisor”, Jeff is compensated as such. compensation is based on the advice given, not on a transactional basis. This provides you with the assurance that he is truly objective in making recommendations and that he has a vested interest in the success of your financial future and in helping you meet and maintain your goals. He takes the time to understand the issues and provides practical solutions.Jeff has assisted clients in their financial decisions since 1980. His success and knowledge in this field has allowed him to teach financial classes at University of Colorado at Denver, participate as a member of the National Association of College Funding Advisors, and the National Association of Financial Planners. He has been featured in the Los Angles Times. Jeff has hosted 2 television programs, ‘The Financial Beacon” and “Making the Most of your Money”. He has been a guest on KTLA's Saturday Morning Show and KIGH Radio talk show. He has earned the professional designation of Registered Financial Consultant awarded by the International Association of Registered Financial Consultants. Jeff is also a member of the National Association of Eagle Scouts.Jeff's family is his first priority and he lives with his wife Lori in Parker, Colorado. All of his family are very active in their church. His hobbies are golf, camping, traveling and reading.Jeff not only provides you with sound financial advice but with a responsive team of professionals who are always available and ready to answer any questions you may have.Learn More: http://www.CollegeFundingCoach.com/DISCOVER YOUR WORK PERSONALITY STRENGTHS AND BEST CAREERShttps://www.careerfitter.com/free_test/careerbuilder?afid=1593Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeffrey-p-morand-rfc-registered-financial-consultant-college-funding-coach-discussing-career-planning

Today, Ed is joined by Clifton Corbin. A self-proclaimed “financial literacy advocate,” Clifton provides resources for parents who are looking to get their kids “ready to manage in a world where the use of money is constant.” Listen in as Clifton opens up about his own journey to financial literacy, including the money-related challenges he had to overcome as a husband and father. Clifton talks about the value of sharing your money story and his mission to empower the next generation to become financially literate—a mission best encapsulated in his book Your Kids, Their Money: A Parent's Guide to Raising Financially Literate Children. “It's only by sharing these stories,” says Clifton, “as traumatic and painful as some of them are, that folks learn that they're not alone. If anything, it tells them that, wherever they are in their life, it's a point in time and they don't need to stay there.” Key Topics: Why Clifton decided to become a “financial literacy advocate” (02:04) Clifton's career before becoming a Registered Financial Consultant (07:10) Love and money in the Corbin household (11:37) Where Clifton's money anxiety comes from (16:39) The value in sharing your story (22:14) Why Clifton wrote Your Kids, Their Money (29:21) Money as a theme park (33:49) Clifton's upcoming book (36:11) Resources: Your Kids, Their Money: A Parent's Guide to Raising Financially Literate Children (book) CliftonCorbin.com CliftonCorbin.com/workbook (free workbook for kids grade 1-3) Healthy Love and Money Resources: Healthy Love and Money Website The Couples Guide to Financial Intimacy Healthy Love and Money Facebook Healthy Love and Money Instagram Healthy Love and Money LinkedIn The Healthy Love & Money Way: How the Four Attachment Styles Impact Your Financial Well-Being (book) Stop Fighting & Start Talking: Gaining Peace and Perspective on Family Finances (book)

Christopher Music, wealth coach and thought leader in the financial industry, joins me from sunny St. Petersburg, Florida during this episode of Bridging The Gap. We discuss how to become more income focused versus focusing on your client's investments. Music also shares new ways to add value to your clients and helpful tips on building your brand. We also dive into the importance of the idea for advisors to move from investment advisors and helping people make money on their investments to helping people make money on their income. This conversation may make you think differently about a few things - I know it did for me. Christopher Music Bio: Christopher is a 29-year veteran of the personal financial planning profession. He has owned and sold two firms since 1992, resulting in the improvement of the financial destinies of thousands of families in the US. He is a Wall Street Journal and USA Today best-selling author, international speaker and podcaster on financial topics. A Certified Business Consultant, Registered Financial Consultant® and a Certified Business Exit Consultant®, he is committed to expanding his knowledge and expertise in the fields of personal finance and economics for the ultimate benefit of the consumer.He has shared the stage and/or collaborated on projects with Grant Cardone, Forbes Riley, Steve Forbes, Brian Tracy, Robert Allen, Russ Whitney and other leading coaches and consultants.After creating Econologics® the industry's first scientifically-based financial planning system, he has continued to innovate new services for financial advisors and small business owners with his current project, Taxnetics™, an intelligently simple approach to tax planning. He also works with a real estate development company in the area of asset management and project funding.Christopher currently lives his life virtually as a nomad, travelling the world full time as a real estate investor and a financial consultant harnessing the power of the internet.He can be reached at pchristophermusic@gmail.com.Follow Us And Find More Content For Financial Advisors and Wealth Management Firms At:www.mattreiner.comYouTubeTwitterLinkedInMentioned in this episode:Benjamin

Widows and Financial Preparedness - Gayle O'Brien Blachura, CFP With the average age of a widow being 59 years old we can't overlook this important conversation on financial preparedness. Today my guest, Gayle Blachura talks all things financial with the focus on widows. How can we be prepared for the unexpected status of widow? Gayle is a partner, CFP professional,  and financial advisor with Financial Security.  Securities are offered through Financial Security Management, a member of FINRA and SIPC.  Gayle can be reached at gayle@gofsg.com or 757-431-1414.  Or visit their website at www.gofsg.com. This brief conversation between Gayle and I is focused on how to be as prepared as possible should the unexpected happen. This is not a deep dive because as you'll hear, finances are very individualized and every widow's goals and needs are different.  The reason I wanted to have this conversation is because based on the statistics, women outlive men. I saw today that the average age of a widow is 59. But that statistic is not a recent one and I think we can all agree that covid has left behind many widows, a lot of young widows. The chances of not being a widow, well, they're just not in our favor. And I know you're probably thinking, she's being morbid and this is not something I want to think about. However, it's worth having this difficult conversation, talking about the topic no one wants to talk about. I want to soften this topic so that women will take action, making sure they're as prepared as they possibly can be for something I pray they never experience. My only request is that you don't look the other way. I never imagined I'd need to be thinking about it. Even when God prompted us to make a will and estate plan, my husband and I were planning for many many years down the road. We talked in the context of 80+ years and to honest that is the way it should be done. However, unbeknownst to either of us within 6 months those plans would be put into action. My husband was only 52. Here are a few of the questions I asked Gayle:  What is a wise thing a woman should do right now with regard to financial preparedness? What is the number one mistake women make with regard to their financial future?  What are some factors that come into play when trying to take on the bulk of financial health, solo?  What about the woman who does not understand financial matters, what is a simple starting point? Let's listen in to all that Gayle has to share so that this important topic of widows and financial preparedness becomes easier to talk about and take action. “Gayle is a partner, CFP professional,  and financial advisor with Financial Security.  Securities are offered through Financial Security Management, a member of FINRA and SIPC.  Gayle can be reached at gayle@gofsg.com or 757-431-1414.  Or visit their website at www.gofsg.com. Bio: Gayle O'Brien Blachura, CFP®, Vice President With over 25 years in financial services, Gayle combines her experience with her training as a CERTIFIED FINANCIAL PLANNER™ professional and her devotion to helping clients achieve their financial goals and dreams. After several successful years in banking, Gayle sought a more personal, hands-on approach to assisting clients. In 2000, she joined Financial Security Group and earned her designations as Registered Financial Consultant, Professional Financial Planner, and ultimately, her CERTIFIED FINANCIAL PLANNER™ certification. She honed her skills working alongside her father, Robert O'Brien, a former U.S. Navy commander, and one of the founding partners of Financial Security. She was admitted as an equity partner in the firm in 2014, the first women to be so selected. Gayle is a past president of the Financial Planning Association's Hampton Roads Chapter, as well as lifetime member of the Million Dollar Round Table. One of her passions is serving on the board of directors of Atlantic Shores Christian schools. She also lends her time to conducting financial seminars and teaching financial classes to high school students. Gayle and her husband, Mark, live in Virginia Beach and have two children. Transcript: https://www.happyscribe.com/transcriptions/51af909719c3458387d57debbc88cf48/edit_v2

Tune in on Monday, 9/12/22 at 6:30am EST, for a brand new episode of The Doctor Whisperer Show featuring Financial Advisor, Julie Abrams. In this episode, Julie elaborates why HOPE is not a good financial strategy. Find out more on her website: https://abramsfinancialgroup.com/ ▪︎ ▪︎ ▪︎ ︎ABOUT OUR GUEST: Abrams Financial Group services families, individuals, and businesses. We consider our independence a great strength because we work solely for the benefit of our clients. We strive to meet client expectations through a deep understanding of their goals and what it takes to achieve them. Our primary metric of success is continual client satisfaction. Our integrated and customized approach has earned us a reputation for crafting innovative solutions for our clients. Julie Abrams has over 35 years of experience in the Financial Services Industry. Julie has a vast knowledge of investments and insurance products within her expertise in Retirement Planning. In 2005 Julie became the sole owner and President of Abrams Financial Group, Inc. The company has offices in Tampa, Florida, and Sandy, Utah. Julie is a published author of two books. Her most recent book, Retirement Planning, explains how to navigate your financial future throughout retirement. Julie has over 400 clients located across the country. ▪︎ ▪︎ ▪︎ As always, thank you to our incredible sponsors, REVA Global MD and TieTechnology, for sponsoring the show! DISCLOSURE: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Abrams Financial Group are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Content is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. --- Send in a voice message: https://anchor.fm/thedoctorwhisperer/message

Download our FREE Guide on “How To Add $100M+ To Your Managed Assets This Year” from https://fourstarwealth.com/Advisors Michael P. Rubino, (http://www.rubinofinancial.com/) Registered Financial Consultant, is Chief Executive Officer of the Rubino Financial Group, a Master Certified member of the H.S. Dent Advisors Network, and regular contributor on CNBC, as well as many other national and local media outlets. He has been providing sound financial advice and educating investors since 1983. The office he established and currently oversees as Branch Manager with Centaurus Financial has been one of the most successful offices nationally. Mr. Rubino most recently founded and manages a corporation, Brokerage Design and Development Inc., dedicated to training financial advisors nationwide in net tax planning and business organization. LinkedIn: https://www.linkedin.com/in/mike-rubino-4b867918/ Website: http://www.rubinofinancial.com/ Facebook: https://www.facebook.com/rubinofinancialgroup/ To see short videos of all our best Financial Advisor Business Growth tips from each episode follow us on: Instagram: https://www.instagram.com/FinancialAdvisorsWorkshop TikTok: https://www.tiktok.com/@faworkshop YouTube: https://www.youtube.com/channel/UCFRh9BxjF0cT7PdkEhsg6lw Facebook: https://www.facebook.com/FinancialAdvisorsWorkshop Twitter: https://twitter.com/FAsWorkshop iTunes:https://podcasts.apple.com/us/podcast/financial-advisors-workshop-with-brian-kasal/id1614768408 Spotify: https://open.spotify.com/show/4OB78889GRx2FHjvWtsyeE Website: https://www.financialadvisorsworkshop.com/ Interested in working at FourStar: https://fourstarwealth.com/Advisors DISCLAIMER: This content is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

With so much debating in the news media today, how do we sort through it all and find solid financial information and guidance? Rodney Harris is a Series 65 Registered Financial Consultant and discusses questions and confusion in the financial world. Rodney Harris can make sure you have a solid plan for the future. Contact Rodney Harris at (704) 782-7233 to make sure your Game Plan For Retirement has you on the right track.

Our guest is Don Ross from Ross Wealth Advisors. As Don explains, they believe everyone should be able to live the retirement they've always wanted. Their team of professionals can help their clients create a well-thought-out strategy, using a variety of investments and insurance products and services, to help them address their financial needs and concerns. But how did he get here, offering the sage advice he gives his clients? OJT - on-the-job training. Thirty-three years. That's the unique thing of what we do. We are an independent fiduciary. So it's our job to build you the best plan. We work with a lot of singles, widows, widowers, everybody situation's unique.Don talk about how he has always had an entrepreneurial spirit. Just jump in and do it. I was about 12 years old, and I started cutting the neighbor's yard. And then I did the following neighbor the next neighbor down. I had a trailer behind my bike, going down the street to the neighborhood.Being an entrepreneur means you have to believe in yourself, your product or service, and make your clients a top priority. When I watched Shark Tank, I see some people up there plugging stuff like, Are you kidding me? But if you believe in it, it doesn't matter. And that's all that matters, whether they go bankrupt or they make millions of dollars. That's the beauty of being an entrepreneur because you did it.Don's take on the importance of how he grows his business. I know I could step back from day to day, but my clients know they can call or text me. That's important to me, you know. Doing paperwork? I mean, I'll screw it up. I don't go into the database. I never touch that. So I just like being with people.Entrepreneurs love the opportunity to grow their businesses. But many don't think about how to say it's time to move on. That's why I have a succession plan in place, which I think every small business owner should have. So you don't leave your clients hanging.A lot of business owners are scared to talk to their competitors. But are entrepreneur competitors really in competition? Two of my best friends, one of them is a fairly big car dealer here in town, a Ford guy, and another friend of mine, the Chevy Guy, both behemoths and what they do, their best friends. They share ideas. They're not competitors. You'd think that, but they're really not. But the mindset of most people is, Oh yeah, they're competitors.Don Ross, RFC®, founder and president of Ross Wealth Advisors, has over 30 years of experience in the financial planning industry. Don is a Registered Financial Consultant who has been advising individuals and families within Central Ohio since 1987. Don's experience with securities, income planning, tax strategies, and retirement investment planning, allows him to deliver truly valuable advice and service to his clients. Don was raised in Upper Arlington, OH, and has a long history of service to his community and country; including twenty-plus years as a pilot in the Ohio National Guard. Don earned his BS in Finance from Franklin University. In Don's free time he and his wife Joni enjoy playing pickleball in the summer, platform tennis in the winter, traveling and visiting with their three children Judith, Ryan, and Lance. https://rosswealthadvisors.com/ (Don's Website) https://www.facebook.com/RossWealthAdvisors/ (Don's Facebook page) https://www.youtube.com/channel/UC-VgCSmo7ilHBIOKFnc12IQ (Don on YouTube) Running a business doesn't have to run your life. Without a business partner who holds you accountable, it's easy to be so busy ‘doing' business that you don't have the right strategy to grow your business. Stop letting your business run you. At Harper & Co CPA Plus, we know that you want to be empowered to build the lifestyle you envision. In order to do that you need a clear path to follow for success Our clients enjoy a proactive partnership with us. https://www.harpercpaplus.com/ (Schedule a consultation with us today.)...

Eric Miller has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant® and licensed insurance agent.   He takes pride in helping practice owners become the financial heroes of their own stories and has taken this passion to over 600 families in the past decade. During this time, he's had over 15,000 conversations with practice owners regarding money, investing, practice expansion, practice transitions, taxes, asset protection, estate planning, and helping them shape their financial attitude toward abundance.   During the show we discuss: ● Practice Owners ● The #1 reason Doctors are not financially sound ● Easy steps for financial planning ● The biggest financial barriers for practice owners in this Covid crisis ● How to stay afloat in the Covid crisis ● How to know your Financial Prosperity Index Score ● The right time to expand a practice ● Selling a practice for a maximum value ● Areas of financial planning practice owners miss and need particular help with ● Achieving financial goals ● How to know if one reached financial freedom ● Exiting a practice ● The simple reason practice owners are not financially independent now ● Importance of asset protection for a practice owner ● How to know when your current financial plan is failing   Show resources: https://econologicsfinancialadvisors.com/

Tracy Shen is the Founder and Managing Partner at Florin Group She is passionate about helping families grow their wealth together. Her joyful approach to finance comes into full view during strategy and review meetings, which she turns into a fun, empowering experience. She loves nothing more than helping clients gain control over their money and reach their financial goals. Tracy earned a Bachelor of Science in Finance from the University of Maryland. She is a Certified Long-Term Care specialist, a Registered Financial Consultant and a Chartered Mutual Fund Counselor. She has been a qualifying member of the prestigious Million Dollar Round Table of The Premier Association of Financial Professionals since 2004. She is currently pursuing the Certificate in Family Wealth Advising and Certified Financial Planner designation at American College. Listening to this episode will "pay off" like compounding interest! Listen NOW as we discuss "How To Multiply Your Wealth"

On this episode of the Healthy, Wealthy and Smart Podcast, I welcome Eric Miller on the show to discuss how to maximize the value of your physical therapy practice.  Eric Miller has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant® and licensed insurance agent. He takes pride in helping practice owners become the financial heroes of their own stories and has taken this passion to over 600 families in the past decade. In this episode, we discuss: -How to maximize the value of your practice -The business systems that add the most value and are most attractive to potential buyers -Financial considerations when planning your exit strategy -Simple strategies to minimize your tax bill every year -And so much more! Resources: Econologics Financial Advisors Website Econologics Financial Advisors Youtube Eric Miller LinkedIn Econologics Financial Advisors Facebook   A big thank you to Net Health for sponsoring this episode!  Learn more about the Redoc Patient Portal here.                                                                        For more information Eric: Eric Miller has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant® and licensed insurance agent. He takes pride in helping practice owners become the financial heroes of their own stories and has taken this passion to over 600 families in the past decade. During this time, he’s had over 15,000 conversations with practice owners regarding money, investing, practice expansion, practice transitions, taxes, asset protection, estate planning, and helping them shape their financial attitude toward abundance. Econologics Financial Advisors is an Inc. 5000 honoree for 2019 as one of the fastest growing companies in the US.   Read the full transcript below: Karen Litzy (00:01): Hey, Eric, welcome to the podcast. I am happy to have you on. Eric Miller (00:05): Well, thanks, Karen. I'm really excited to be here. Yeah. Karen Litzy (00:08): Before we get into our talk on, you know, how to maximize the value of our practice, in your bio, I read that you're a registered financial consultant. So can you explain to the listeners what that is and maybe how that differs from a financial advisor, an accountant? What is the differentiation there? Eric Miller (00:31): No problem there. So I think when people hear that I'm a financial advisor, I mean, people kind of have the same impression that all financial advisors are alike, so to speak. And that's not always the case. You know, there's some financial advisors that specialize in working with you know, ministers and teachers and all different kinds of professions. I just happened to work with private practice owners. Now, as far as am I licensed to do what I do in the financial world, there's something called being a fiduciary. And when you're a fiduciary, that basically means that you have to do what's in the best interest of your client, not all financial advisors adhere to that standard. What's called a registered investment advisor and we're held to that standard under the SEC guidelines. And then as a registered financial consultants, it's a designation that I picked up along the way. And it just basically, you know, there's certain criteria that you have to use to be able to get to that designation that's system. Karen Litzy (01:41): Got it. Yeah. So, you know, we were talking before we went on and it's kind of like if you're in the physical therapy world, which I am, and you go on to become, you know, like a clinical specialist in orthopedics or a clinical specialist and in pediatrics, it's like going on for a little bit extra education and certification and what you do is that right? Okay. That's exactly correct. Perfect. Perfect. All right. So now let's get into the meat of this interview. So today we're going to be talking about how to maximize the value of your practice, perhaps plan for an exit of that eventually. And we're going to weave in some critical tax strategies that you might be able to use to save you money. So no one likes to leave money on the table. No one likes to feel like a dope because they didn't know what they were doing. So, let's start with maximizing the value of your practice. So first, what does that even mean? Eric Miller (02:42): That's a great place to start because I think people automatically assume that when I say maximizing your practice value, it's just about money, right? It's just about, Oh, the, you know, what's the enterprise value of my business. And then that leads into, Oh my gosh, he's going to talk about like profit and loss and EBITDA and all these really technical terms. But in my viewpoint maximizing practice value. Isn't just about money. It's about the other parts of owning a business that you get value for like time, right? Like you would want to build a business that gives you a lot of time. You'd want to build a business that gives you great relationships with either your employees or recognition from your community. So when I say, if you're trying to maximize the value of your practice, it's not just about the money. Eric Miller (03:31): It's about all of those other things, because you know, you look at it, most people that own a private practice that is your largest investment. You know, it's like the thing that provides the most cash flow to your household, and it is an investment and anybody that's owned a business for any period of time knows that it's something that you have to care for. And that you have to make sure that you're treating like an investment and putting in the time and the money to make sure that you get the most value out of it. That's our definition for that. Karen Litzy (04:04): Yeah, absolutely. So how can we as practice owners then maximize the value of our practice. If let's say in the event, we want to sell it, we want to exit our practice in whatever way we want that exit to happen. Eric Miller (04:21): There's definitely some key areas like, yeah, you have to kind of assume the viewpoint of a buyer. Like if I'm going to buy your practice, Karen, like what are some of the things that I would like to see in place that would allow me to give you, you know, top dollar for it. And I think number one is your personnel organized? Okay, do you have organized personnel? Do people have job descriptions? Do they know what they're doing? Do they know who to report to? So, you know, I think that that is that's key because obviously if you have people in your organization that are aligned and are all kind of working together, you know, you're going to have a really powerful organization. If you can do that, if you don't, then you're going to have, you know, this scattered business that everyone's kind of doing their own thing and that's not good. Eric Miller (05:13): So that's certainly one thing. And then of course, just having good stable systems that are built in your business so that there's procedures that people have, that they can follow. You know, there should be an organization chart somewhere where people know like who's in charge of what I think that's going to all add value to your business. Certainly if you look at like the facility, what's the facility look like, is it in good shape? You know, do you have, if you lease the building, do you have a good lease on it? You know, is there new carpeting is, I mean, is it a nice place where people feel safe to come to, you know, certainly a buyer's going to think about that. And then I think from an income standpoint, obviously you have to be solvent. Eric Miller (05:57): You certainly don't want to have a lot of, you know, outstanding accounts receivable out there. You want to make sure your books are up to date and current, you don't owe any back taxes on the practice. You have multiple income streams in the business that you like multiple services that you provide because no one wants to be reliant upon one of anything. So I think those are all, some really key areas that if you can get those things in shape and you can get them systematized, you're really going to have something that someone else would want and they would value. And they're going to pay you a much higher amount for that. Karen Litzy (06:33): Yeah, that makes sense. So what I'm hearing is you really want to have an organization that's sort of a well oiled machine where people know why they're coming to work. They know what they're doing once they get there and reasonably happy at their jobs, if not very happy at their job. Eric Miller (06:52): Yeah. And I think that you're exactly right. And I think the key as the person that's in charge of it is that you have to know what your role is in that business. So I think a lot of people that are in private practice, and maybe you can attest to this when you first started out, you're just trying to make things happen and go, right. And, you know, as you go on, you kind of realize, look, I'm not just a practitioner, I'm also an owner and I'm an executive and those are completely different roles. And I think over time, if you can really make sure that you understand that those three roles are separate and that you have to make sure you master them to that degree, or at least hire someone that can do those things, that that's really going to create you a valuable practice, you know? Karen Litzy (07:41): And I mean, when you first start out, like I work with a lot of like first time entrepreneurs, you are the owner, the therapist, the executive, the marketer, the pay, you know, you're everything, right? So, so let's say you have a practice like that, where maybe you are a single owner practice, right. Or maybe you have one person part time person. So you don't have this sort of robust, huge practice. Can you sell that? Eric Miller (08:12): Well, you can, you can sell anything. It's just as a matter of how much you're going to get for it. So, again, looking from the buyer's perspective, he wants to buy something. That's not dependent upon one person. He wants something that's going to be basically, he can assume that there's free cashflow there. That is going to be worthwhile to him as an investment. So if you have like a single doctor practice or you're a single practitioner, I mean, you can certainly sell it. It's just not going to go for a very high, multiple, see, most of the practices that we're talking about, you know, are going to sell for maybe like a one to two times earnings. Whereas if you get a bigger organization that has, you know, seven, eight, nine, 12, 20 PTs on staff, there's executives in the office, it's going to go for a much higher, multiple could go as high as eight to 10 of your earnings. So it is, it is that kind of a game, but that's, you know, that's the journey. Karen Litzy (09:08): Right? And, you know, you had said you want to have a lot of systems in place, in your opinion, what are the most valuable or most important systems to have in place within your business? Looking at it from a value standpoint? Eric Miller (09:23): I think definitely having a good financial system is really key because look at what, you know, a lot of businesses, business owners, don't like to confront the finance part of their business, and that's why they don't have much in reserves. And, you know, they're always kind of struggling for, gosh, I can't make payroll this week. And it's just a constant battle when you don't have good financial systems in place, because they're just, they're not paying attention to their money lines. And unfortunately, when it comes to your practice, that that is the most important thing is keeping that practice solvent, which means that there's more money coming in than what's going out. So that personally, I think that's the most important. Some people would say a marketing system is really key because let's face it. If you don't have more patients coming in and buyers definitely going to want to see that he's going to want to see that you are, you have a system in place where you're constantly getting new patients in the door. Right. And then, you know, I think a good quality control system is, is really, really key. Because if people aren't, you know, getting better and you don't diagnose that quickly of, you know, why aren't people getting better because that's what you do as a physical therapist, your job is to get people pain-free, you know, or reduce their pain. So I think that's a pretty key area too. Karen Litzy (10:42): Nice. Yeah. I just had this conversation about the importance of a financial system. Cause I sort of switched my financial system within my practice around, over the last couple of years and it's made such a huge difference. You know, I started looking at the financial system in percentages sort of going off of Mike McCollough, the book profit first. And so, yeah. So how much stays in the business? How much goes to me as an owner, how much goes to taxes? How much goes to profit, how much goes, and then making sure that when that money comes in, it is automatically divided up into those percentages and it's made a huge difference. Eric Miller (11:22): That's so awesome to hear it, does it because you've instilled control over your money right now. Right. And when you look at like what's a barrier for a lot of practice owners is that they don't feel like they have control over their money. Right. And, when you start putting in good control, it's kind of like when you're adjusting somebody or you're getting someone to feel better, right. You have to kind of put control in on that person. Like, I need you to do this and move here and do that. It's the same thing with your money. You have to kind of allocate it so that you know, your expenses are you channel your money to places where it needs to go to handle whatever expense that would be. Certainly, you know, you're yourself. I think, you know, is the most important person that you need to pay first. Karen Litzy (12:07): Well, that's what profit first says. No, it's true. Like, and once I started doing that, it made everything just lighter. So now like quarterly taxes are coming up September 15th or depending on when this airs that might've just been that September 15th date. And I remember like years ago, I'd be like, Oh my gosh, I don't know how, how do I not have them now? I'm like, Oh, totally fine, my money's where it's supposed to be. I am good. Like, this is exactly where it needs to be. Eric Miller (12:43): That actually is kind of like an underlying goal and purpose that I have is I, you know, people always ask like, what's the product of a financial advisor and people think it's, you know, Hey, you know, you made me 20 or 30% or you know, helped me save in taxes. Not really, you know, I like people to feel relaxed about their financial condition and just what you explained to me right there. You're definitely much more relaxed about your condition now because you have control over it and it doesn't control you. That's really awesome. Karen Litzy (13:13): Yeah. And it's a little stressful at first because it's different and it's a change. So I always tell people if you're starting out now start off this way. And Holy cow you'll be so much easier. Everything is just, I feel so much easier. Yeah, just a sense of ease that I now know, like, yes, I have money set aside for this. It's already paid, like it's basically already paid for. Eric Miller (13:39): That's it that's right. But it also does another thing too. It does make you look at and say, you know what, maybe I'm not making enough money in my business because I can't cover some of these other things. And I think that's the most important thing that people have to realize. And I'll go off on a little tangent here, but there's really two basic rules of, for me, income and expenses. The first one is that just get used to the fact that your business will try to spend every dollar that it makes. And then some, and, and that's not just for a business, that's like a government or any household or organization just, it's just going to try to spend every dollar that it makes. And then some, but at the same time, it will also make the exact amount of money. Eric Miller (14:25): It thinks it needs to make to survive. So when I say that, people are like, what does that mean? I'm like, well, look, you know, if you know that you have expenses coming up, somehow miraculously, the business does make enough to cover it. Doesn't it? It's just like, it's just, that's the way it is. So the trick to it is simply to make sure that your reserves and your profit and your taxes are just part of what the business thinks it needs to make to survive. And if you can get that in as what you said as part of that profit first book, I think that's what he's talking about is that it sets the right income target for what the business really needs to make, because that's the biggest outpoint that I usually see with, with practice owners is that I'll ask them, Hey, what's your income target? They'll say, well, you know, I need to make $30,000 a month to pay my bills. And I'm like, well, no, that's not what you need. You actually need 45. If you want to include your profits and building up reserves and paying your taxes that they're operating on a wrong income target. So I think that's really key is to make sure you're operating on the right number. Karen Litzy (15:30): Right. So don't underestimate it completely because I think oftentimes people will just look at, well, this is my rent. These are my utilities. This is my payroll. If you're paying people and these are, you know, overhead costs that maybe we have to pay, you know, phone bills, things like that. And that's it. And they're like, okay, so that's all I have to make. Eric Miller (15:55): That's right. And that's where their demand for income is. But, and if, but if they put in, Hey, I need another $10,000 a month for myself. I need another 5,000 for taxes. I need another because I want to make sure I have reserves. So if I have to shut down for another month, I can handle that. Right. You start putting all those things in. Now the number changes from Oh, 35, I need to make 50. Oh, right. Okay. Well, that's fine. How many more patients do I need to see a week? Right. To be able to make that number, it just gets them, you know, being a problem solver now, as opposed to like, I can't do anything about it kind of mode. Karen Litzy (16:32): Yeah. And I do that. Like people always ask me, well, how many patients, you know, do you usually see a week? And I said, well, it's not, how many do I usually see it's this is what I need to see to make X amount of money per week. So that I know per month, this is what I'm making. And my costs are a little bit lower because I have a mobile practice. So I'm not paying a lease on a brick and mortar facility, but I still have to pay my own rent for my apartment. And I still got to eat. You know, these are all the things that you have to put in. So it's not just, what does the business need, especially if you're a solo preneur, what do you need to survive? Eric Miller (17:12): Yeah. And I think this is where a lot of people, yeah. A lot, a lot of practice owners and entrepreneurs gets, think that their business is more important than their household. And you know, I'm under the, you know, our philosophy, our viewpoint is that your household is like a parent company. Okay. You think about this, you look at all the big corporations out there and you know, people have opinions of them, but they do understand money pretty well. And they certainly understand that let's take Facebook. For example, Facebook owns, I don't know if you do this, like 83 other companies and they're the parent company to all of those other companies, but everything flows to the parent company. Okay. We're your households, no different, you know, you own, you have a, let's say you own a house, a business, maybe a piece of real estate 401k plan, the bank account. Right. Those are all assets of the household. So you really, you know, once you start treating your household, like the parent company, then you set up the system so that, you know, your household you're meeting the goals and purposes of the household people. I think they don't do that. They don't take care of themselves like they should. Karen Litzy (18:19): Yeah, no, I think that's great advice. Thank you for that. Alright. So we've got those financial marketing quality control systems, obviously three very important systems and we can go on and on and systems. That's a whole other conversation. So we will take those and people can run with them as, as sort of prioritizing their systems. So now we've got, we've got all of our systems in place. We've especially our financial system. So how do we plan? Let's say we're getting towards the end of our treating career, whatever your clinical career, whenever that may come. And it may come at different times for different people. How do we efficiently plan for an exit? What do we do? Eric Miller (19:05): As far as like getting the business ready to exit out. Karen Litzy (19:09): Yeah. Like let's say, let's say you're getting ready to kind of exit out of your business. Now we know that maybe you can try and sell it. Or what if you're just like, this is the business is done. You're just done. What do you do? Eric Miller (19:24): Yeah. Well, I mean, I think the first thing you gotta realize, you gotta look at your own financial readiness. Like, can you afford it? You know? I mean, I think a lot of people, they get into a position where they're tired, they get exhausted, right. Because they've been doing things for themselves or I'm sorry, just for the business. And then they just get burnt out, you know? Well, you know, burnout, you know, what burnout is, it has nothing to do with that. It's just that you don't have a bright enough future in front of you. That's what burnout comes from. Right. And I can see why a lot of practice owners getting that conditions. Like I just keep doing the same thing every day and I can't see a bright future for me, so I might as well just sell the thing. Okay. Eric Miller (20:06): So the first thing that I do is just, I try to rehabilitate, like, do you remember why you decided that you wanted to be a business owner? Do you remember like what the purpose was? And if you can revitalize that, I think you can get that person back on track, but look at the end of the day, if you don't want to do it anymore and you want to sell your business, then you know, certainly, you know, hiring a broker can help. Certainly finding someone or just finding another PT that, you know, in the area that would be willing to take, you know you know, sell, you can sell the business to, for Goodwill or it's not going to be very high price, but certainly you can find someone that would be willing to buy practice for some costs. Right. That may just not be very much. Right. Karen Litzy (20:52): And then what, if you were ready to just wrap it up, you don't want to sell it. Are there things that one needs to think about as they wind it down? Eric Miller (21:02): You mean just like, just close it down? Karen Litzy (21:04): You're closing it down. You're moving on to greener pastures, if you will. So you decided to close it down. Are there any financial considerations that one has to think about in that scenario? Eric Miller (21:16): Well, you know, certainly look at how much money that you make from your business. Even, you know, money that through the cashflow that you make, it's sometimes a lot more significant than what people think. And certainly you can own the business. You can just, I mean, if you're a physical therapist, you can just go work for somebody else if you want to. But you know, I think people just have to realize that, that their business does provide them a pretty good living and they just have to analyze that and say, do I have enough to replace that? Or can I go to work for somebody else and replace that income? You know, it's certainly not a good thing to do. You know, there's seven different ways to exit out of business. And that's one of them just shutting it down. It's probably the most, it's the worst way to do it, but I know that it does happen. Karen Litzy (22:05): Yeah. Yeah. What are the other ways you could just name them? We don't have to go into detail. Eric Miller (22:13): So you can die with your boots on, you can close it down. You can sell to an associate. Okay. You can sell to a competitor. Okay. You can sell to private equity. Okay. You can gift the practice to somebody else. Okay. Or you can have your employees buy it through, what's called a Aesop plan. Those are the seven ways that you can exit out of your practice. Okay. Great. What happens with most practice owners is they either sell to an associate to a private equity group, the size of the practice. Karen Litzy (22:54): Yeah. Yeah. And so now let's talk about taxes. Eric Miller (23:03): Yes. So, Oh, taxes. Hey guys, when you could see your eyes got big. Karen Litzy (23:07): Who likes to pay taxes, right. Nobody likes to do it, but we all do it because we need, we need the services that they provide. Right. So let's talk about some tax strategies that might be able to save us some time. Eric Miller (23:21): Yeah. Yeah. I think the first thing on taxes is that you have to realize that your accountant may or may not understand the tax code completely. And it sounds really weird because everyone assumes that they have an accountant, Hey, he's going to try to minimize my taxes. That's not really what their goal is. Their goal is to make sure that you are compliant, that you file your taxes on time. They're not necessarily doing tax planning for you. They're not trying to minimize your taxes. Okay. So I think that's the first thing is that you really have to make sure you're working with an accountant that has the viewpoint that I want to try to minimize this tax bill as much as I can, because it won't happen by itself. You have to be proactive. You cannot take a passive role in minimizing your taxes, or you're just going to end up paying the most. Eric Miller (24:09): Okay. The tax codes, 3 million words, and, you know, no one's going to know every single passage of it. That being said, there are definitely some strategies out there that you can utilize. One that is that I've been talked about a lot is that you can actually rent your house out for 14 days out of the year and you can collect that money completely tax free. And you're probably thinking like, well, how, how would that benefit me? So where this came about was that in a, I don't know what year it was, but if you've ever heard of the masters golf tournament, there's a lot of, there's a lot of guys that have big houses there and on the golf course and they rent their houses out for thousands and thousands of dollars. Okay, well, legally they can collect all of that money, completely tax free. Eric Miller (25:08): Okay. Because the IRS code says, you can rent your house out 14 days out of the year and get that money complete tax free. And you probably thinking, how do I take advantage of that? Well, if you own a business, your business can rent your house out for 14 days out of the year. And as long as you have a legitimate meeting at your house, maybe you have with a key executive or even with yourself, right. You have an executive meeting at your house and you document that, then you can rent, you can have the business pay for that. Okay. It's a business expense. And then you get that personally. And as long as you do it correctly, you can get that money completely tax free. All right. That would be certainly one strategy you can use. It's called the, it's called the Augusta rule. You can look it up online and, and certainly there's. Yeah, yeah. That's where it came from. That's one and, you know, right there, 14 days, let's say that it's a thousand dollars, that'd be $14,000 that you could expense out in your business. And then you can get that personally. Oh, you have to do it right. You have to have a legitimate meeting. You have to like Karen Litzy (26:14): Say it's $10,000 a night. Eric Miller (26:17): I don't know. In New York, you may be able to write. Karen Litzy (26:20): I don't know. That might be a stretch too. Eric Miller (26:22): If you needed to rent out like a hotel or a restaurant, that's what you would need to do. You need to go get like an estimate like of where you would normally hold that meeting just for documentation purposes, but like anything else it can be done. You just have to follow through and have documentation, you know? And I just have the accountant guide you on how to do that. That's certainly that's one that would be, you know, 14, 15,000. So if people have kids, they can put their kids on payroll and they can, you know, show them that would be another deduction that you can use. You know, there's certainly a lot more, I could probably go on all night. But you know, I think another thing that people can do is just look at how they take their income. Eric Miller (27:06): Like you own a business, right? And most physical therapists are escorts. And you know, a lot of accounts will tell them to take bigger salaries than what they actually need to be taking. Right? So you can actually adjust your salary downs as long as it's a reasonable compensation and then take more an owner draws. That's going to help minimize the Medicare tax as well. So it really just boils down to, you know, finding the right information, finding a right advisor that can help you and, you know, provide tax deductions that your accountant can work with to minimize it. It can happen like you should, it's your responsibility. And I say this a lot. It's like, I've never read anywhere where it's my responsibility to maximum fund the IRS. Right? Like I know I have to pay taxes. I get that. But there's no one that said that I have to like pay, you know an ungodly amount of tax. But that's the way the IRS works. They just assume that your money is their money and you have to be proactive to show them otherwise. Karen Litzy (28:11): Yeah. I know this year when I paid my taxes, when I did my taxes for 2019, I was so excited. Cause I only owed like $309 after doing my estimated quarterly taxes, which I thought, well, this is great because I'm not giving them more throughout the year. And in fact I was almost like, spot on. That's pretty good. Yeah. That was pretty good. Because like, you don't want to, like, I understand when people get refunds, but if you got a refund, that means that you gave them more than was necessary throughout the year. Correct. Right. Yeah. Eric Miller (28:53): So it is something that you have to stay on top of because as your business grows, you know, your tax liability personally is going to be higher. So you really have to make sure you stay in good communication with your accounts. Like you should be talking to them every quarter, especially now recently where I think a lot of people have gotten the PPP loan. And if you, you know, if that gets forgiven well, you know, physical therapists didn't really shut down. I mean, some of them did, but you were still collecting money. So you know, you may have, you really have to make sure that you're not going to have a tax problem for 2020, it could happen. So just, you know, just getting in communication with your accountant. I think that that will help. Karen Litzy (29:32): Yeah. During the PPP loan phase and covert, I was thinking, I was talking to my accountant like literally every other day. Yeah. I'm like, does this make sense? Should I do this? Should we do this? Should I do this? Can I do this? Does this, is this the right form? Do I feel, and I did get a PPP loan because in New York, you know, we were done, like when I say shut down, like shut down, nothing, you know? And eventually I started doing more telehealth visits, but in the beginning it was quite scary. And so I said, you know, I better apply for a loan and, and I did get it. And now they haven't even asked, we haven't even filled out the forgiveness paperwork yet, but now I'm in contact with him like weekly, like, is this the right form? Did I fill this out? Right? Is this the right documentation I need? And he's like, yes, yes, yes. You're all good. So now when the time comes, I'll be able to get that in really quick. Eric Miller (30:27): Yeah. And it won't be a problem and you know, you'll have your attention on other things that'll help expand and that's good. And then that's just, that's not my experience. Most practice owners, they kind of don't confront it, they ignore it. And then it becomes a bigger problem down the line. And that's really needless. Right. Karen Litzy (30:44): I think that's how I used to be, but I have now been rehabilitated financially. So yeah, this was great. Now, what are in your opinion, what are the key messages that you would like the listeners to kind of take away from this conversation? Eric Miller (31:02): Well, I mean, you know, for me look, I mean, you can, regardless of what your financial condition is, like, you can do something about it. Right. And I think that's always been a pretty key, you know, philosophical viewpoint that I have. Like, I don't think that there's such thing as an unwinnable game and I know that even things get a little murky and they get a little dark and you know, sometimes you don't really see, you know, the future as bright as it could be, but if you just kind of like, just do one thing right. And complete that cycle of action and then go onto the next, then I think that starts to create more freedom for yourself. Like people get overwhelmed so fast. Right. And there's like, there's so many different things to do, especially financially. Right. That they just, they don't just do what's in front of them while they're doing it. Like just complete one thing at a time. And then you can go on to the next one. Right. Like do the next thing and then go on to the next one. And then to me, that's the key to success, right? There is, is getting interested in something that you don't want to do. Right. And completing it. And I think once you do that, you'll start to see a much brighter future, better things happening to you. Karen Litzy (32:14): Yeah. Great, great advice. Thank you so much. And before we get going, I'm going to ask you the same question that I ask everyone. And that's knowing where you are now in your life and in your career. What advice would you give to your younger self? Eric Miller (32:29): I would simply tell myself that there are destructive and constructive actions that you can do in life, right. And that those destructive actions, while they may appear fun at the time will certainly prevent you from getting to your potential and leading the life that you want to lead. Right. I know we're all young. We all kind of make stupid mistakes and that's just part of the learning curve. But I would certainly tell myself, you know, your personal ethics is really part of your survival, right? And to the degree that you kind of keep yourself in good shape morally, and you do the right thing better things are gonna happen to you in your life. It's going to create more abundance for you. And I would tell myself that is just make sure you pay attention and do the right thing more often than you do the wrong thing. Karen Litzy (33:22): Excellent. And now, where can people find you on social media website? Eric Miller (33:27): Yeah. So if you want to go for a wealthforpts.com wealthforpts.com, you can download a free ebook that we have. You can certainly go to our website www.econologicsfinancialadvisors.com And then we have a YouTube channel, www.econologicsfinancialadvisors.com. And those would be three places that you can go to connect with us. Karen Litzy (33:48): Perfect. And all of that will be at the show notes at podcast.healthywealthysmart.com under this episode. So one click will take you to everything. So Eric, thank you so much. This was great. I was taking copious notes and you know, every time I have these conversations, I'm always thinking to myself, Hey, what do I need to do? What do I need to act on? And you know, a lot of the conversations that I've had with folks like yourself, accountants, even on this program and in my own personal life have just really been so valuable. So I thank you so much for taking the time out today. Thank you and everyone, thanks so much for listening. Have a great couple of days and stay healthy, wealthy and smart.     Thanks for listening and subscribing to the podcast! Make sure to connect with me on twitter, instagram  and facebook to stay updated on all of the latest!  Show your support for the show by leaving a rating and review on Apple Podcasts!

Eric Miller has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant® and licensed insurance agent. This week, the Defocus Team discusses the concept of how Optometrists are […]

About This Episode: Eric Miller has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant® and licensed insurance agent. He takes pride in helping practice owners become the financial heroes of their own stories and has taken this passion to over 600 families in the past decade. During this time, he's had over 15,000 conversations with practice owners regarding money, investing, practice expansion, practice transitions, taxes, asset protection, estate planning, and helping them shape their financial attitude toward abundance. Econologics Financial Advisors is an Inc. 5000 honoree for 2019 as one of the fastest growing companies in the US.   Find out more about Eric at:Econologicsfinancialadvisors.com Youtube Facebook LinkedIn See the Show Notes: www.jeremyryanslate.com/744 Sponsors: Command Your Brand Media: Be featured as a guest on top-rated podcasts, just like this one, for massive attention for your brand. www.commandyourbrand.media/apply  Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading "The Science of Getting Rich,"by Wallace D. Wattles, about building real wealth. www.jeremyryanslate.com/book  

About This Episode: Eric Miller has been in the financial planning industry for over 20 years. He is the Co-Owner of Econologics Financial Advisors and the Chief Financial Advisor. He has a degree from Capital University and is a Registered Financial Consultant® and licensed insurance agent. He takes pride in helping practice owners become the financial heroes of their own stories and has taken this passion to over 600 families in the past decade. During this time, he's had over 15,000 conversations with practice owners regarding money, investing, practice expansion, practice transitions, taxes, asset protection, estate planning, and helping them shape their financial attitude toward abundance. Econologics Financial Advisors is an Inc. 5000 honoree for 2019 as one of the fastest growing companies in the US.   Find out more about Eric at:Econologicsfinancialadvisors.com Youtube Facebook LinkedIn See the Show Notes: www.jeremyryanslate.com/744 Sponsors: Command Your Brand Media: Be featured as a guest on top-rated podcasts, just like this one, for massive attention for your brand. www.commandyourbrand.media/apply  Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading "The Science of Getting Rich,"by Wallace D. Wattles, about building real wealth. www.jeremyryanslate.com/book  

Harlan Accola, CRMP, has 13 years of experience with marrying financial planning and the reverse mortgage retirement tool. Harlan has been in the mortgage industry for over 15 years and specializes in all types of loans. His specialty is taking a comprehensive “bird’s eye view” of clients’ financial pictures, rather than dealing with one small part at a time. Harlan is a Registered Financial Consultant, a Certified Senior Advisor, and a Senior Mortgage Planner. Harlan’s specialty lies in educating retirees and pre-retirees on the advantages of using Reverse Mortgages for financial and estate planning. Harlan is one of only 100 CRMPs nationally. Enjoy this episode! Links and Resources from this Episode https://betterwealthsolutions.com For additional information go to http://betterwealthpodcast.com/ or check out Caleb at https://calebguilliams.com  Connect with Harlan Accola https://fairwayreverse.com/ https://www.facebook.com/fairwayreverse/ harlana@fairwaymc.com  https://www.linkedin.com/in/harlan-j-accola-crmp-b6544819 https://www.csa.us/member/HarlanAccola Get Your Free Copy of The AND Asset https://andasset.com/book  Show Notes Other solutions that could be beneficial for you - 2:16 How he got into this industry - 3:09 One of the most powerful tools - 4:23 What's a reverse mortgage? - 5:05 Giving a proportion of equity - 8:57 There are better places to put your money - 10:29 How he understood the reverse mortgage - 11:12 The worst way to use a reverse mortgage - 13:39 Talking about Medicare - 15:29 Paying your taxes and your insurance - 19:09 Problem: people do not pay taxes - 19:40 What's mortgage insurance? - 23:40 It’s much easier if you have life insurance - 25:12 What's a part of financial success? - 27:06 Talking about the tax benefits - 27:49 Teaching clients how to reverse mortgages - 29:20 A strategy to get money out - 30:52 Reach out to Harlan and get his book - 31:52 Harlan's answer for the legacy question - 34:09 Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you’re subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts Follow on Spotify Subscribe with Stitcher

On this episode of The Open In Indiana Podcast, our guest, Jamie Hopper, a Registered Financial Consultant shares how he helps Hoosiers take the stress out of money.

Teresa Kuhn, JD, RFC, CSA  and host of LIving Wealthy Radio discusses how she experienced a profound mindset shift that pushed her off Wall Street and into the world of safer, saner financial planning.A respected financial educator, best-selling author, and strategist, Teresa Kuhn is the president and CEO of Austin, Texas-based Living Wealthy Financial® Group. Through her radio show, Living Wealthy Radio®, she is able to share her passion for learning the real truth about how money works with others. She has counseled thousands of ordinary Americans across the nation, helping them avoid exposing their wealth to eroding factors.  Using the unique cornerstone of Bank On Yourself®, Teresa enables clients to take charge of their own money and liberate themselves from bondage to conventional financial wisdom that no longer works in the modern economy. Teresa’s unique skill set and team help clients protect what they’ve built and leverage the greatest asset they will ever own – their business. These strategic solutions provide maximum benefit now and in the future which enable her clients to focus on what’s important – running their business and doing what they love with the people they care about. After graduating with degrees in finance and law, Teresa became a Registered Financial Consultant and Certified Senior Advisor. Teresa’s educational background and skill set is vast, but her greatest expertise lies in her ability to remain authentic, honest, and connected with her clients and associates.  (800) 382-0830

Today on The My Future Business Show, I spend some quality time with MARK PASSACANTANDO at NORTH ATLANTIC BUSINESS ADVISORS. During the call, Mark and I talk about the importance of planning your business exit strategy - and we explore some of the finer points that many business owners overlook. There are lots of moving parts to preparing your business exit strategy, and by definition, everyone will exit their business - so, if you want help to plan your exit, Mark is there to help. Mark and his team at North Atlantic BA focuses on the needs of businesses in the North East working with privately held business owners in the lower middle market. There's a lot of great content on this call, so make sure to get a pen, some paper, and take down some notes to help you prepare your business exit strategy. --- About Mark... Mark brings over 33 years of extensive experience in entrepreneurship, leadership, management and operations to North Atlantic Business Advisors. Mark's successful career has taken him to a number of industries including wealth management, insurance, banking, CPA firms, manufacturing, retail and many others. He has launched or helped to launch 5 start-ups. Additionally, he works in assisting the Entrepreneurial Program at Boston University and is a resource for the MIT Venture Mentoring Service. Mark also taught Finance at Harvard University for 10 years and has been a professor at Boston University for the past 16 years. Mark has held senior positions at firms in Boston, Hartford and West Hartford including Senior Audit Officer, Director of Compliance, Chief Financial Officer, Compliance Officer and a member of several Boards of Directors. He has travelled internationally to support corporate goals in these capacities. He has concurrently served as an expert witness since 2001 in cases involving investment securities. This work has been both to support plaintiffs and defendants for or against many Wall Street firms including JP Morgan, Merrill Lynch, Morgan Stanley, Goldman Sachs and many others. Mark's early career started in Hartford, CT as a Tax Specialist at The Hartford, moving on to Price Water House Coopers and Kostin Ruffkess CPAs. Mark takes pride in his not-for-profit contributions. They include serving as President and Chairman of the Financial Planning Association of Massachusetts, Chairman of the Alliance Forum, Board of Directors and Investment Committee of the United States Tennis Association of New England, Finance Committee for the Town of Westwood, Adviser to the Securities Clinic at Suffolk University and initial co-leader that installed pro bono Financial Coaching programs at Dana Farber Cancer Institute and for the U.S. Marine Corp, Army Reserves and National Guard. Mark was a regular guest for Boston Business Radio and has been quoted in several national publications including the Wall Street Journal, Investors Business Daily, Los Angeles Times, New York Times and the Boston Globe. Mark earned his Bachelor of Science from the University of Connecticut and his Masters of Business Administration from Boston University. He is a Registered Financial Consultant and Accredited Business Intermediary. Mark resides in Newington, CT with his family. He enjoys tennis, hiking and domestic and international travel. Mark's personal mission is to positively impact the lives of others. --- Mark is exceptionally skilled in his field, so if you are looking to set up your exit strategy, then contact Mark via the link below. From here, stick around, because there's so much great content to share with you, and make sure you listen to the entire call - I'm sure you'll get a lot of great ideas.  For more information about NORTH ATLANTIC BUSINESS ADVISORS, or to contact Mark, click on the following links... Contact Mark Thanks again Mark, for being my guest on The My Future Business Show! Rick Nuske My Future Business

Greg Gunn talks to John Gillespie about family relationships that can be damaged during the process parents passing away. John G. Gillespie, CEP, RFC® Certified Estate Planner, Registered Financial Consultant, President and CEO of AFG, and author of, “The Power of Seven Personal Financial Disciplines.” Mr. Gillespie has been a personal financial advisor since 1982. He is also the founder of Access Charitable Consultants and Carved In Stone, Inc. Mr. Gillespie received his Bachelor of Science degree from Trevecca Nazarene University, in Nashville, Tennessee. AFG is guided by Mr. Gillespie’s experience with Trusts, Estate Planning, Investments, Financial Management, and Charitable Gift Planning. Mr. Gillespie holds series 65 registrations. Active in industry and community organizations, Mr. Gillespie is a member of the National Association of Charitable Estate Counselors, the National Council of Certified Estate Planners, and the Northwest Oklahoma City Chamber of Commerce. He is a faithful supporter of CBMC (Christian Business Mens Connection), and serves on the board of Stand in the Gap Ministries and the National Christian Foundation Generosity Board. Mr. Gillespie has a son, Jason, and he and his wife, Celeste, of 39 years have two beautiful daughters, Candace and Lauren. The Gillespies are the proud grandparents of three precious granddaughters, Rielyn, Kennedy, and Larkyn, as well as a handsome grandson, Karter. To get a free copy of John's book, The Power of Seven Personal Financial Disciplines go to AccessFinancialGroup.com, go to contact us and ask for the free podcast book!  

John G. Gillespie, CEP, RFC® Certified Estate Planner, Registered Financial Consultant, President and CEO of AFG, and author of, “The Power of Seven Personal Financial Disciplines.” Mr. Gillespie has been a personal financial advisor since 1982. He is also the founder of Access Charitable Consultants and Carved In Stone, Inc. Mr. Gillespie received his Bachelor of Science degree from Trevecca Nazarene University, in Nashville, Tennessee. AFG is guided by Mr. Gillespie’s experience with Trusts, Estate Planning, Investments, Financial Management, and Charitable Gift Planning. Mr. Gillespie holds series 65 registrations. Active in industry and community organizations, Mr. Gillespie is a member of the National Association of Charitable Estate Counselors, the National Council of Certified Estate Planners, and the Northwest Oklahoma City Chamber of Commerce. He is a faithful supporter of CBMC (Christian Business Mens Connection), and serves on the board of Stand in the Gap Ministries and the National Christian Foundation Generosity Board. Mr. Gillespie has a son, Jason, and he and his wife, Celeste, of 39 years have two beautiful daughters, Candace and Lauren. The Gillespies are the proud grandparents of three precious granddaughters, Rielyn, Kennedy, and Larkyn, as well as a handsome grandson, Karter.

75% of all households will incur long term care expenses during their lifetime. These expenses can be for health care issues related to you, your spouse, your parents or even your grandparents. Regardless of who these health issues affect, the costs of care can range from minimal to substantial. Join Mark and Mat as they discuss long term care insurance and provide you with a number of solutions to help you decide which choices may be best for you and your family with expert Randy Luebke. He is a Registered Financial Consultant, a Registered Mortgage Advisor, a life insurance agent, a real estate Broker, a mortgage broker, a stock broker and an educator in the financial services industry for more than 25 years.The Show will Broadcast LIVE this Wednesday, September 7th at 12:00 pm MST/ 2:00 pm EST. You can listen in on the road at 646-668-8326 or listen in from your computer. More info at www.refreshyourwealth.com

75% of all households will incur long term care expenses during their lifetime. These expenses can be for health care issues related to you, your spouse, your parents or even your grandparents. Regardless of who these health issues affect, the costs of care can range from minimal to substantial. Join Mark and Mat as they discuss long term care insurance and provide you with a number of solutions to help you decide which choices may be best for you and your family with expert Randy Luebke. He is a Registered Financial Consultant, a Registered Mortgage Advisor, a life insurance agent, a real estate Broker, a mortgage broker, a stock broker and an educator in the financial services industry for more than 25 years.The Show will Broadcast LIVE this Wednesday, September 7th at 12:00 pm MST/ 2:00 pm EST. You can listen in on the road at 646-668-8326 or listen in from your computer. More info at www.refreshyourwealth.com

Norm Blumenthal attorney for workers and consumers. Selected as the one of the Top Attorneys in Southern California. Regular contributor on Money For Lunch Andrew Arons founder and managing partner of Synergy Advisory Management Group. He is a Registered Financial Consultant, a Certified Senior Advisor, a member of the National Ethics Bureau and a licensed securities and insurance professional who holds the Series 7, 63 and 65 licenses. He has been recognized as one of the “Ten Leaders of Independent Wealth Managers of New Jersey” and has been named a “2011 and 2015 Five Star Wealth Manager”  Trip Elix former hacker former private investigator and published author.  His articles have appeared in daily and weekly publications in the United States. He writes both novels and books. He also writes a blog that focuses on security and privacy issues at http://tripelix.com.  He regularly attends security conferences held by the computer underground including HOPE and defcon one of the largest hacker conventions in the world For more information go to MoneyForLunch.com. Connect with Bert Martinez on Facebook. Connect with Bert Martinez on Twitter. Need help with your business? Contact Bert Martinez. Have Bert Martinez speak at your event!

Thomas K.R. Stovall two-time author, cited as an expert in the area of Business Amplification. He is an entrepreneur with over 15 years of real-world business experience, in private equity, real estate investment and enterprise software. He is the Founder of CANDID Cup, the global leader in mobile microfeedback Andrew A. Arons founder and managing partner of Synergy Advisory Management Group. He is a Registered Financial Consultant, a Certified Senior Advisor, a member of the National Ethics Bureau and a licensed securities and insurance professional who holds the Series 7, 63 and 65 licenses Gary Getz Partner and CEO of the strategy and innovation consulting firm Strategos.  In over 35 years as a marketer, strategist and consultant. Gary's book, Customer Equity   focuses on how companies can evaluate the financial value of their customer relationships to guide all of the investments they make in customer-related activities Ohad Samet FinTech industry veteran and the co-founder and CEO of TrueAccord, the first-of-its-kind algorithmic recovery platform. TrueAccord is using machine learning, behavioral aanalytics and a humanist approach to help enterprises and small businesses recover outstanding payments and maintain positive customer relationships

What are the strategies this year that will help our business grow to the next level? How do we implement these strategies and stick to them? Why is it so difficult to make changes in our personal or business life- or is one more easier than the other? Join me with an expert panel beginning with Randy Luebke a Registered Financial Consultant, and educator in the financial services industry for more than 25 years - as well as Rulon Olsen, a Certified Professional Consultant and President of a privately held public relations firm that focuses on creating positive corporate identities. For more information about the Show and Mat and Mark, visit www.refreshyourwealth.com.

What are the strategies in 2015 that will help our business grow to the next level?  How do we implement these strategies and stick to them?  Why is it so difficult to make changes in our personal or business life- or is one more easier than the other? Join me with an expert panel beginning with Randy Luebke a Registered Financial Consultant, and educator in the financial services industry for more than 25 years...as well as Rulon Olsen, a Certified Professional Consultant and President of a privately held public relations firm that focuses on creating positive corporate identities. The show will broadcast Tuesday, January 13th, at 11am PST / 2 EST. You can call in and listen LIVE on the road at 646-200-4285.

What are the strategies this year that will help our business grow to the next level? How do we implement these strategies and stick to them? Why is it so difficult to make changes in our personal or business life- or is one more easier than the other? Join me with an expert panel beginning with Randy Luebke a Registered Financial Consultant, and educator in the financial services industry for more than 25 years - as well as Rulon Olsen, a Certified Professional Consultant and President of a privately held public relations firm that focuses on creating positive corporate identities. For more information about the Show and Mat and Mark, visit www.refreshyourwealth.com.

Social Security can be a safety net, a disapointment, a blessing, maybe even a hope that may not become a reality.  However, I think we can all agree that its a mystery at times.  How can I maximize my benefits? Will earning income cause a problem?  Can I 'pay in' too much? ...and most importantly, what else I can I do to supplement my Social Security and retirement.  Here to answer these questions and more is expert  Randy Luebke a Registered Financial Consultant, a Registered Mortgage Advisor, a life insurance agent, a real estate Broker, a mortgage broker, a stock broker and an educator in the financial services industry for more than 25 years. Randy has been speaking regularly now on specific strategies related to Social Security and will break in down this complex topic on our show this week. The show will broadcast Tuesday, April 29th at 11am PST / 2 EST. You can call in and listen LIVE on the road at 646-200-4285.

Finding the right loan, let alone any sort of loan, for your real estate projects can be a challenge to say the least.  We can't count the calls and consultations we have with clients asking us for referrals and help trying to get the lending help.  TODAY we will try and break down the issues and options real estate investors have at their disposal. Please join me with Randy Luebke a Registered Financial Consultant, a Registered Mortgage Advisor, Real Estate Broker, and Mortgage Broker, working in the financial services industry for more than 25 years and living in Newport Beach, California, and also Aaron Chapman, a Licenced Mortgage Originator at Cherry Creek Mortgage, as a 17 year veteran in the finance industry focusing on investment property financing as  in Tempe, Arizona. We hope this will be an extremely informative show and can save you hours and hours of wasted time and hopefully thousands of dollars helping you to have more succesful investments. The show will broadcast Tuesday, November 26th at 11am PST / 2 EST. You can call in and listen LIVE on the road at 646-200-4285.

Many of us have heard of Captive Insurance Companies. I also think many of us have never heard of such a thing! However, I can guarantee this: most of us don't know when they make sense and what they are good for.  Apparently they can save you thousands and thousands of dollars in taxes and insurance premiums.  To break down the TRUTH...Join me with Randy Luebke a Registered Financial Consultant, a Registered Mortgage Advisor, a life insurance agent, a real estate Broker, a mortgage broker, a stock broker and an educator in the financial services industry for more than 25 years.  During that time he has helped thousands of clients and students with their retirement planning, loans and strategic business planning. The show will broadcast Tuesday, October 8th at 11am PST / 2 EST. You can call in and listen LIVE on the road at 646-200-4285.

There are a lot, and I mean a lot of perspectives and strategies regarding how to pay off mortgages properly and wisely.  I hope to present a number of perspectives from two experts on this topic and give you the facts so you can decide what is you think is the truth.  I wish I could say there is one way to tackle this strategy and I'm not sure if there is.  Please join me for this exciting debate with Santos Kidd, President of Sweep Strategies out of Honolulu, Hawaii, with over 10 years of experience teaching and helping thousands on mortgage paydown strategies.  We also welcome a returning guest, Randy Luebke a Registered Financial Consultant, a Registered Mortgage Advisor, a life insurance agent, a real estate Broker, a mortgage broker, a stock broker and an educator in the financial services industry for more than 25 years.  The show will broadcast Tuesday, June 4th at 11am PST / 2 EST. You can call in and listen LIVE on the road at 646-200-4285.

Knowing which Financial Planning strategies make sense and which ones are bogus can be a challenge.  Join me with Randy Luebke a Registered Financial Consultant, a Registered Mortgage Advisor, a life insurance agent, a real estate Broker, a mortgage broker, a stock broker and an educator in the financial services industry for more than 25 years.  During that time he has funded nearly $1 billion in home loans, helped scores of people with their retirement planning and trained them how to be become better stewards of their money.  The show will broadcast Tuesday, April 16th at 11am PST / 2 EST. You can call in and listen LIVE on the road at 646-200-4285.

Join me this Saturday at 3 pm for our live simulcast show (BTR and TanTalk Network) where we will interview Tim Porter.  Mr. Porter is a Registered Financial Consultant, Financial Advisor and Insurance Consultant.  He specializes in Income Maximization and Asset Protection.   We will probe issues that concern you in the debt riddle economy and offer solutions to help you weather the storm.