Podcasts about registered representatives

Send us Fan MailDivorce is emotional. But for many women, the financial side can be the biggest shock of all.This week on Women & Money: The Shit We Don't Talk About, Barbara and Maggie sit down with Alex and Amanda, divorce mediators and co-hosts of the Dirty Laundry podcast, to share the real financial realities women face during separation and divorce.  Alex and Amanda share what they see every day behind closed doors, from hidden debt and emotional fights over “the Peloton,” to the financial wake-up calls that happen when one partner has been managing all the money. They also explain why mediation can help couples avoid high-conflict court battles, protect their finances, and create healthier co-parenting relationships moving forward.  00:49 Meet Alex & Amanda from Dirty Laundry05:05 Why unpaid labor matters in divorce06:10 Trial separations explained09:45 Can trial separations save marriages?16:40 Why mediation works differently than court20:00 Learning healthy conflict resolutionAlex and Amanda also remind women that even if they feel overwhelmed right now, they are capable of rebuilding financial confidence and creating a future that feels safe, secure, and fully their own. Whether you're navigating divorce, supporting someone through it, or simply trying to understand your finances more deeply, join us for next week's Money Talks “Protect Your Assets During a Divorce”. Click here to register for FREE and bring your questions!  This episode is supported by Marguerita Cheng, CFP®, RICP®, CDFA®, CEO of Blue Ocean Global Wealth. Marguerita works with women navigating divorce to bring clarity, confidence, and control back into their financial lives. At Blue Ocean Global Wealth, the focus is on helping women understand their options, make informed decisions, and feel empowered about their financial future, especially during moments that feel uncertain or overwhelming. If you're going through divorce and want support that's clear, grounded, and centered on your long term wellbeing, you can learn more and connect with Marguerita at www.blueoceanglobalwealth.com and follow her on LinkedIn, Instagram, Facebook, and Youtube.Disclosure:Securities offered by Registered Representatives and Advisory products and services offered by Investment Advisory Representatives through Private Client Services, member FINRA/SIPC, and a Registered Investment Advisor. Private Client Services and Blue Ocean Global Wealth are unaffiliated entities.Follow & connect with Alex & Amanda:Youtube Website Instagram: @dirty.laundry.podcast Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

Geoffrey Cain is an award-winning American journalist and author, writing about geopolitics, national security, and technology. His work has been featured in The Economist, Time, Wired, and The Wall Street Journal. He is a regular commentator on Bloomberg TV, BBC, CNN, and NPR. Cain served as an advisor to the United States House Foreign Affairs Committee, a term member of the Council on Foreign Relations, was a former senior fellow for advanced critical emerging technologies at Foundation for American Innovation and was a visiting senior fellow at the GeoTech Center at the Atlantic Council. His books include Samsung Rising, The Perfect Police State, and most recently-- Steve Jobs in Exile. Learn more at https://geoffreycain.net/. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    #8948580.1 exp. 5/28  

Thomas Lamb is an internationally recognized entrepreneur and executive in the resource sector. He's currently the CEO of Myriad Uranium Corp and is leading the advancement of one of the most historically significant uranium districts in the United States. The Copper Mountain Project in Wyoming encompasses over 18,000 acres and is underlain by an estimated uranium endowment exceeding 600 million pounds. He's also the CEO of J2 Metals Inc., overseeing a diversified exploration portfolio spanning three jurisdictions in Mexico, Canada, and Alaska. His work has spanned uranium, gold, cobalt, and critical minerals across North America, Mexico, Russia, and Africa. He has a MSc from London Business School and law degree from the University of British Columbia. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    #8933524.1 exp. 5/28

In this episode of "Widow Wisdom and Wealth," Dana Friedman shares insightful advice on managing real estate decisions during emotional life transitions, particularly after widowhood or divorce. Whether you're considering selling your family home, downsizing, or exploring 55+ communities, Dana's expertise offers practical guidance and emotional support. Main Topics Covered: How to use the long-term capital gain exclusion within the first two years of widowhood Strategies for accurately determining home value amidst fluctuating markets Important updates and improvements that can increase your home's basis and sale value The role of decluttering and emotional resources during urgent moves Key considerations in choosing 55+ communities, including HOA fees and amenities Building a trusted team of professionals for a smooth transition Tips for recent widows/widowers on making quick decisions and processing emotional hurdles Dana's concierge-style service connecting clients nationwide and internationally   Timestamps:  00:00 - Introduction to Dana Friedman and her work supporting families in transition 01:01 - Capital gains exclusion rules for surviving spouses within two years of loss 01:57 - Dana's background and her focus on empathetic real estate support 03:36 - Importance of honest communication in family situations involving divorce or widowhood 05:17 - How to prepare clients emotionally and practically for home selling 06:19 - Approaching home valuation and market analysis in divorce scenarios 07:15 - Guiding clients on affordability and market value considerations 08:14 - Factors influencing home value, including market demand and renovations 09:39 - Using comparative market analysis (CMA) to reevaluate house worth 12:08 - Impact of updates and improvements on home basis and sale price 14:48 - Resources and professional help for decluttering during emotional times 16:19 - Celebrating life and downsizing with memorial events and donation options 18:24 - Decision-making exercises for stay or go in widowhood 19:52 - Processing emotional readiness for moving and emotion-driven timing 20:37 - Dana's network of trusted professionals for every step of the transition 22:22 - Understanding 55+ communities, amenities, and costs 25:44 - Final advice   Connect with Dana: Cell: 215-901-4522 Email: Downtown2Devon@gmail.com Facebook: https://www.facebook.com/DanaFriedman1124 Instagram: @DBF136 Linkedin: https://www.linkedin.com/in/dana-friedman-aba59849/   _______________________________ CONNECT

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

For a lot of people, the answer to when they would like to retire is “as soon as possible!”  For those folks, a lot of resources often need to go toward that goal, because it is challenging!  In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden discuss some challenges of early retirement and how to best work toward that goal.  Early Retirement Basics:  What is early?  Social Security Full Retirement Age is now Age 67.  Age 65 is still fairly standard.  Age 60 is early retirement!  If you are thinking about retiring even earlier, the challenges compound.  Being prepared to quit work earlier means you will have fewer years to save, fewer years for your money to grow, and more years to support yourself without earned income.  This is the challenge!  Every situation is different, but for most people, that means you must save a large percentage of your gross income for retirement.  This reduces the lifestyle you need to maintain in retirement and helps your savings grow faster.  This is a complicated and nuanced topic with lots more to learn!  To learn additional early retirement strategies, listen to the full episode.  As always, we encourage folks to focus on what they can control – spending, savings, and potentially earnings.  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance   Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Host and Certified Financial Planner, Bryan Kuderna, discusses the ten most impactful tax cuts and hikes in U.S. history. With top federal marginal tax rates ranging from 7% in 1913 to 94% in 1994 to 37% in 2026, the tax code has evolved through wars, depressions, bear markets, and bull markets to address federal budget deficits and at one time surpluses. Kuderna concludes with some tips regarding Roth retirement options as a valuable tax hedge. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    #8902037.1 exp. 4/28

Discover how mindfulness can transform your daily life, reduce stress, and help you find joy amidst chaos, especially for widows and widowers navigating grief, careers, and parenting. Harriet Stein shares practical insights, her personal story, and tools to incorporate mindfulness into busy routines.   Key topics: The true meaning of mindfulness: paying attention without judgment Practical ways to practice mindfulness in everyday activities like driving, washing hands, and walking How mindfulness can ease stress and grief, especially during challenging times The nine attitudes of mindfulness according to John Kabat-Zinn Harriet's journey from nursing to coaching, and writing her book, Perfect Attendance The importance of being present for life, not work, as highlighted in Harriet's story about her mother Easy resources for beginners: books, YouTube channels, and mindfulness practices The value of daily mindfulness practices like pause, gratitude, and sensory awareness   Timestamps: 00:00 - Introduction to mindfulness and its relevance for widows and widowers 00:29 - The definition of mindfulness: paying attention without judgment 00:59 - How to practice mindfulness in daily life: red lights, walking, and chores 02:01 - Harriet's personal journey from nurse to mindfulness coach 03:20 - Incorporating mindfulness in corporate settings: stress reduction and focus 04:05 - Simple exercises to develop mindfulness: noticing thoughts and sensations 06:20 - Lessons learned from Harriet's grief process and its duration 07:43 - Strategies for maintaining mindfulness with busy schedules and grief 08:05 - The nine attitudes of mindfulness, with an emphasis on non-striving 11:17 - Harriet's book: Perfect Attendance, Being Present for Life 13:01 - The story behind the book's title and the importance of presence over work 14:05 - Clarifying myths about mindfulness and its practical application 17:23 - Practical resources: books, online courses, and community practices 18:49 - Incorporating mindfulness into daily transitions and breaks 20:19 - The significance of sensory-grounding techniques, like hand-washing, for stress relief 21:56 - Recommended mindfulness resources: Jon Kabat-Zinn, YouTube channels, and retreats 23:38 - Harriet's website: harrietstein.com and how to connect 24:23 - Words of wisdom: you are enough, and authenticity matters 25:35 - Final encouragement to prioritize self-care through mindfulness     Connect with Harriet Stein: Website: harrietstein.com   More about Harriet Stein  HARRIET STEIN, RN, MS Harriet Stein understands the unique challenges that businesses face today. An inspirational teacher and professional speaker, Harriet is passionate about speaking to organizations of all sizes about how a culture of mindfulness can reduce stress, increase performance, lower healthcare costs, and boost employee engagement. A cookie-cutter app cannot effectively show you how to use mindfulness to combat work overload, answer your specific questions, or address your unique challenges. Harriet's mindfulness programs teach essential skills through hands-on instruction that provides practical tools for achieving a more fulfilling and productive life. Harriet is the author of Perfect Attendance: Being Present for Life and creator of Take a Pause, the award-winning international mindfulness training program that won first place in Impact on the Organization and second place in Innovation and Creativity at Sindusfarma's Boomerang Awards, which recognize the best-in-class training and development programs in the pharmaceutical industry in Brazil. She has extensive experience teaching mindfulness practices and strategies at Fortune 500 companies to improve corporate culture. During her tenure at Johnson & Johnson, she used her expertise and passion to directly instruct more than 5,000 worldwide employees on the practice of mindfulness through engaging programs and at leadership summits. Mixing research and science with levity and fun, Harriet's proven strategies teach tangible ways to live in the present and be accessible, both professionally and personally. Learn how to reduce stress, increase patience, and create space in your life to accomplish what you want to achieve – more creativity, more efficiency, or just a better night's sleep! Harriet's first teacher was Dr. Jon Kabat-Zinn, founder of Mindfulness-Based Stress Reduction. She completed extensive professional training at the Myrna Brind Center for Mindfulness at Thomas Jefferson University Hospital. This advanced training, interwoven with her background as a Registered Nurse and her Master of Science degree in Health Administration, is foundational to the compassion and purpose she brings to her mindfulness programs.   _______________________________ CONNECT with Donna Jean Kendrick Facebook: @donnajeankendrick  LinkedIn: linked.com/in/donna-kendrick  Instagram: @donnajeankendrick Website: https://sephtonfinancial.com/  Phone: (215) 948-3945 Complimentary Consultation/Contact Us: https://sephtonfinancial.com/contact/  Downloadables and Resources: https://sephtonfinancial.com/resources/  _______________________________ Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice. The guests on the podcast are not affiliated or registered with Cetera Financial Specialist. Any information provided by the guests are in no way related to Cetera Financial Specialist or its registered representatives.  

April is Financial Literacy month, and in this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden talk about some basics of teaching kids to save and manage money responsibly.  Getting kids to the point where they are financially independent is a huge milestone, and sometimes it feels like that is harder to achieve than it has ever been.  Strategies and ideas for raising financially literate children:  Model good financial habits and discuss them with your children.  This includes:  Tradeoffs – you can buy this, but then won't have enough money for that.  Delayed gratification – saving for the “big” items.  Retirement – we set aside some of our money, so someday we can quit working.  College – we set aside money for you, so that someday you can go to college, learn schools, and get a good job to be able live on your own.  Taxes – some portion of the money we make goes to the government to pay for schools, roads, and other things.  Start early with the basics and as your children grow, you can incorporate things like savings accounts, investment accounts, and even involving your kids in decision-making with family spending (vacations are a great example!).  There is no perfect way to teach every single kid, but knowledge is key here!  You don't necessarily need to discuss specific numbers like salaries, but involving kids in the household finances at a very basic level is a great way for them to learn.  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance   Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden are joined by Zach Kill, CFA® to walk through some of the basics of mutual funds and exchange traded funds (ETFs). They are very similar!  But there are a few differences and pros/cons to both. Similarities: Both are collections of investments purchased with pooled money, usually from many different investors. There is generally a stated purpose for the fund. For example, an S&P 500 ETF and mutual fund are both designed to track the performance of the 500 largest publicly traded companies in the U.S. Both can be either passively managed (most likely following an index) or actively managed with a management team selecting individual companies to buy and sell. Differences include: The timing of trading and pricing. Mutual funds are generally traded and priced at “Net Asset Value” (NAV) as of the end of the day when the trade was initiated. ETFs can be bought and sold throughout the day, similar to stock trading. This can affect things like price and tax efficiency. There are a few other options that we cover in this episode as well.  Listen to the full episode to learn more, including why any of this even matters. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

  In this heartfelt episode, Dale Power shares her inspiring journey through life's transitions—from entrepreneurship to profound personal loss—and how courage can be a guiding force during pivotal moments. Discover practical steps to reimagine your purpose and embrace change with confidence.   Key Topics: Dale's personal story of resilience and reinvention The Share Your Courage three-step methodology for navigating transitions The importance of starting where you are and leveraging strengths Reimagining career paths through conversations and informational interviews Practicing real-life courage and aligning with your values Overcoming myths and societal expectations about retirement and aging The role of support groups and community in transition Recognizing growth opportunities during challenging times   Timestamps: 00:00 - Introduction to Dale Power and her mission of sharing courage 01:01 - Dale's diverse background and defining life's turning points 02:55 - The first step: Starting from where you are and identifying strengths 03:47 - How to craft a new path through storytelling and reflection 04:44 - Reimagining career and exploring opportunities in transition 06:10 - The significance of courage in everyday actions and big decisions 07:39 - The impact of advocacy, advice, and mentorship in personal growth 10:00 - How to practice courage and align actions with values 13:29 - Breaking societal myths about retirement and purpose 15:33 - Real stories of widowhood and unexpected life changes 17:14 - Long-term planning and the 'pause' for reflection in decision-making 18:43 - The importance of support networks and informational interviews 19:10 - Embracing change as an adventure and cultivating curiosity 20:36 - Practicing courage in practical situations and conversations 23:15 - Defining personal courage and taking action in daily life 25:23 - Advice for widows and widowers planning their next chapter 26:23 - Resources for reimagining life and career transitions 28:20 - The importance of patience, time, and community in growth 28:55 - Final thoughts on transforming struggles into opportunities for growth   Resources & Links: Share Your Courage Website Connect with Dale Power: LinkedIn _______________________________ CONNECT

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden walk through some realistic expectations for investment returns.  The biggest thing is to expect a bumpy ride!  Then it is harder to be caught off guard. In this episode we discuss: Historical returns of different categories of investments over time. The best and worst decades. The range is huge! Cumulative returns over time for different markets and time periods. The value of diversification. Past returns cannot tell us how markets will perform in the future, but they provide great examples of just how volatile investing can be.  One of the best years to be invested in large US companies was 1954 with about a 53% return in the S&P 500; while one of the worst years was 2008 with about a -37% return.  That is a wide variety of outcomes that you must be prepared for when investing in the stock market.  Having diversification can soften those sharp edges a bit, but it's still going to be a bumpy ride!  Listen to the full episode to hear more. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-scaling-to-8-figure-annuity-production-without-burning-out

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-scaling-to-8-figure-annuity-production-without-burning-out

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-why-top-annuity-producers-outgrow-big-box-imos

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-from-annuity-producer-to-recognized-retirement-expert

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-why-top-annuity-producers-outgrow-big-box-imos

Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country. His career began in retail financial services in 1999, shortly after graduating from St. John's University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, advisor support, and client strategy.In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career. Since then, He has dedicated myself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline.In today's IMO world, support often comes *after* they've already proven themselves. Empire was built to change that.Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy. At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one.He is committed to proving that through service, experience, and consistency, they bring more value than anyone else in the space. This isn't transactional. They operate like family, and their actions reflect that commitment every step of the way.Today, Jeremy focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact.Learn more: http://www.empiremps.com/Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals. The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public. Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements. Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-from-annuity-producer-to-recognized-retirement-expert

In this episode, Donna Kendrick hosts Jeremy Zizmore to discuss how daily money management and financial caregiving can ease the lives of families navigating widowhood, divorce, aging parents, or other transitions. Jeremy shares insights into establishing financial organization, protecting assets, and leveraging professional teams to provide clarity during challenging times.   Key Topics:   The role of daily money managers in supporting families through life transitions How to organize and streamline financial documents and insurance policies Importance of establishing trusted contacts and clear family communication Building a professional team: financial planners, estate attorneys, care managers, and accountants Proactive planning vs. reactionary approaches to money management crises Tools like the Financial Caregiving Toolkit for assessing and managing finances Confidentiality and trust considerations when working with families Tips for educating young adults on financial basics with practical tools How to find qualified daily money management professionals in your area     Chapters:   00:00 - Introduction and overview of Jeremy Zizmore's background and mission 02:23 - Jeremy's personal story of caring for his grandmother and founding Assurance Family Partners 04:08 - The core services of daily money management and financial caregiving 07:16 - How financial organization helps families in crisis and prevents costly oversights 09:41 - Macro and immediate planning strategies for transitional families 11:32 - Communicating with family members and safeguarding confidentiality 13:26 - Building a trusted professional team for ongoing support 15:40 - Handling family dynamics and legal considerations in financial management 17:24 - The role of care managers and the sandwich generation's unique needs 19:05 - Additional services like insurance management, household payroll, and document organization 22:33 - Common challenges and the importance of proactive planning 24:44 - Learning from reactive crises and the value of early intervention 25:23 - The Financial Caregiving Toolkit: resources for families starting their journey 27:19 - Educating young adults on finances and the benefits of self-guided or professional support 28:24 - How to find a qualified daily money manager; Jeremy's recommended resources 29:22 - Jeremy's location and contact info for Assurance Family Partners     Resources & Links Connect with Jeremy Zizmore and discover resources: Website: https://assurancefamilypartners.com/ Assessment for an interested person or family to continue the conversation: https://assessment.assurancefamilypartners.com/ Financial Caregiving Toolkit 6 Biggest Hurdles to Overcome when Managing a Loved One's Finances: https://6hurdles.assurancefamilypartners.com/register Find a Daily Money Manager in your area: https://secure.aadmm.com/find-a-dmm/   This episode offers practical advice for families wishing to prevent financial crises and build resilient support systems during times of transition, emphasizing the importance of organization, trust, and proactive planning.   Citations for the aging in place percentages mentioned in this episode: 75% https://www.aarp.org/home-living/home-community-preferences-survey-2024/?utm_source=chatgpt.com 84% https://point.com/blog/aging-in-place-2025?utm_source=chatgpt.com 88% https://www.retirementliving.com/aging-in-place/aging-in-place-statistics?utm_source=chatgpt.com 87% https://medicalxpress.com/news/2025-06-poll-wide-variation-older-adults.html?utm_source=chatgpt.com     ______________________________ CONNECT

It's tax season!  In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden dive into the horror and torture of filing your annual tax returns.  We may not be accountants, but we can certainly commiserate. In this episode we discuss: Some basics of taxation, including where your tax money goes and why it feels so challenging to tackle the filing process. A few ways to reduce your taxable income AND increase your savings through workplace retirement plans and things like Health Savings Accounts. Suggestions on how to stay organized to ease the process a bit. Encouragement to outsource tax planning to professionals if/when you feel overwhelmed. Often paying your taxes is not too terrible, but the process of completing and filing your return can cause anxiety and fear.  Our tax system is complicated, and it is not uncommon to feel like you've missed something.  It may be worth a little money to offload that worry and concern.  Listen to the full episode to hear more. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this heartfelt solo episode, Donna Jean Kendrick shares her personal story of resilience, the challenges of widowhood, and how she rebuilt her life and business from loss to abundance. If you've ever struggled with guilt, self-judgment, or balancing career and family after a major life transition, this episode offers inspiration, practical insights, and a reminder to embrace your own journey.   Key topics: Donna's journey from widowhood to remarriage and blended family life The significance of community support and local culture (Jenkins Town) Overcoming guilt related to financial success and appearances Building a business rooted in purpose and family values The power of mindset shifts from scarcity to abundance How sacrifices and faith shape financial and personal growth The importance of giving back and celebrating community traditions Handling judgments and reframing perceptions of wealth Practical tips for balancing career, parenting, and personal fulfillment The role of gratitude in transforming pain into purpose   Chapters: 00:00 - Introduction: Embracing the Guilt with Being OK 01:00 - Donna's background in finance and widowhood journey 02:29 - Blending families and community in Jenkins Town 03:55 - The story of purchasing and renovating their foreclosure home 05:22 - Sacrifices, faith, and moving beyond scarcity mindset 06:49 - How moving affected financial outlook and pivoting strategies 07:46 - Dealing with judgments about wealth and success 10:05 - The significance of community, traditions, and personal storytelling 11:44 - Hard work, giving back, and supporting families in transition 12:54 - The impact of mindset shifts on financial confidence 14:10 - Listening to her own podcast story and feelings of pride 15:52 - Overcoming external judgments and embracing authentic success 17:19 - Building a purposeful business and balancing work-life harmony 18:43 - Gratitude for her journey and community support 20:18 - The true meaning of being rich: Spirit, community, love 21:57 - Encouragement for widows and career changers to live big 22:36 - The importance of purpose over material wealth 23:38 - The ongoing journey of growth, contribution, and legacy 24:07 - Final encouragement: Turn setbacks into stepping stones   Remember, your value extends beyond material success. Embrace your journey, give yourself grace, and keep moving forward with purpose.     _______________________________ CONNECT

Sometimes the world feels scarier than average.  In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden, walk through some questions and discussions that have come up with clients who seem to be bracing for something scary to happen that will affect their portfolios. In this episode we discuss: Current fears, including the growth of AI companies, geopolitical risk, housing affordability, and political tension. Past examples of market drawdowns, some short-lived, others that took a long time to recover from! Covid downturn Housing crisis Internet bubble Great depression How market cycles and economic/political cycles do not align as well as you may expect. We cannot guess how the market will react to specific economic or political events. The market recovered very quickly during Covid even though a lot of people were still struggling. How diversification can help insulate you from some risk but also help you feel more comfortable with your portfolio. Trying to time the market could potentially be the biggest risk of all, especially if you sell when the market declines and you feel less comfortable investing.  This may mean you're in the market for the bad days and then miss the good ones!  Try to remain consistent.  Listen to the full episode to hear more about alternative investments that offer some downside protection. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

  In this episode, we explore how childhood trauma and emotional health directly impact entrepreneurs' business performance. Nicole Lewis Keeber, a business therapist and mindset coach, shares insights on harnessing therapeutic tools to overcome subconscious barriers, leading to sustainable success. Whether you're growing a startup or feeling stuck at a ceiling, this conversation offers actionable strategies to align your emotional health with your business goals.   Key topics:   How childhood trauma influences entrepreneurial mindset and business outcomes Recognizing and addressing patterns of overworking, burnout, and self-sabotage The impact of trauma on nervous system regulation and capacity building Practical steps to heal trauma through therapeutic approaches and leadership Why investing in trauma-informed coaching benefits your business and family The significance of core values and family mission statements for balanced leadership How to differentiate between mindset challenges and trauma responses The role of self-leadership and nervous system capacity in scaling Resources for trauma-conscious business practices and emotional sustainability   Timestamps:   00:00 - Introduction: Healing trauma to unlock business growth 02:06 - Nicole's background as a therapist and transition to business coaching 03:16 - Childhood trauma's influence on money mindset and entrepreneurship 04:39 - How trauma responses show up in business patterns 06:11 - Recognizing the signs of trauma affecting business performance 07:02 - The importance of working with trauma-informed coaches 08:11 - Dreading Monday mornings: uncovering underlying trauma patterns 09:32 - Adaptations learned in childhood as over-functioning or overworking behaviors 10:31 - Managing nervous system capacity to prevent burnout 11:55 - Building capacity for change without sabotage 12:44 - Investing in trauma-informed support as a family and business decision 13:23 - How trauma shows up in business relationships and client interactions 14:38 - Integrating emotional health into business strategy for sustainability 15:45 - Impact of personal healing on family and business balance 17:10 - Identifying the founder's emotional attachment to their business 18:21 - How leadership reflects on the nervous system of the business 19:05 - Various ways to work with Nicole: one-on-one and group programs 20:37 - Personal example: blending family leadership with business growth 21:07 - Values as guiding principles for navigating business and family life 22:24 - Creating family mission statements and aligning values 22:49 - Connecting with Nicole: website, social media, and book   Resources & Links: How to Love Your Business by Nicole Lewis Keeber  Nicole's Website LinkedIn: Nicole Lewis Keeber Trauma-Conscious Business Programs   Connect with Nicole: LinkedIn - Nicole Lewis Keeber TikTok - The Business Therapist Website - nicole.lewis-keeber.com Book on Amazon - How to Love Your Business     _______________________________ CONNECT

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden, discuss one of the strategies used by many investors, dollar cost averaging.  What is it?  How does it work?  Is it really better than investing lump sums of money?  They may not be able to answer that last one for you, but learn more about it and decide for yourself!   Dollar Cost Averaging Basics: Investing equal amounts of money at equal intervals over time. For example: Investing $1,000 on the first of each month. When share costs are higher, you will purchase fewer shares; when share costs are lower, you will purchase more shares. Lots of this happens automatically! When you invest in your retirement plan at work. When you make your IRA contribution annually. On the flip side, many folks argue that instead of spreading out contributions, you are investing money as soon as you determine it is appropriate to invest that money. Three out of four years the stock market is up, so why not just invest sooner than later? Ideally, you are doing both. Investing money immediately on a periodic basis as you have extra funds from your paycheck, etc.   There are lots of considerations when deciding whether or not to dollar cost average.  Things like how large a lump sum contribution may be, whether you are reinvesting money that has already been invested, and what your risk tolerance is.  Bottom line, do what you need to do to get money into the market and try not to make emotional decisions based on the world and your perception of current stock market values.   For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance    Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this heartfelt conversation, Claire Bodle shares her journey of grief after the sudden loss of her husband, exploring the complexities of parenting through loss, the importance of community support, and the healing power of writing. Claire reflects on her children's unique grieving processes, the lessons learned over the years, and how she has transformed her life in the wake of tragedy. Her story emphasizes resilience, the significance of open communication about grief, and the empowerment that comes from taking control of one's life and finances.     Key Takeaways   Claire lost her husband unexpectedly after a long battle with cancer. She emphasizes the importance of open communication about illness with children. Each child grieves differently, and it's essential to respect their individual processes. Community support played a crucial role in their healing journey. Claire wrote a book to process her grief and help others. Time does not heal all wounds but lessens their intensity. It's important to let children see their parents grieve. Claire learned to manage finances after her husband's passing. She encourages others to take control of their financial knowledge. Grief can lead to personal growth and transformation.      00:00 Navigating Grief: Claire's Journey 08:25 The Impact of Loss on Family Dynamics 12:48 Community Support in Times of Grief 18:34 Writing as Healing: Claire's Book 27:05 Lessons Learned: Time and Grief     _______________________________ CONNECT

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden, discuss some of our impulses to measure our financial success by comparing it to others.  How do we avoid this trap?  Or do we really need to avoid it?  Humans are competitive by nature (or is it nurture?):  If you come across a bear in the woods, you don't need to be faster than the bear, just faster than the person running with you.  In sports, it's usually the same!  You don't need to achieve a specific internal goal to “win” you just need to beat your competitors.  This is not always helpful in finances!  Trying to win with finances often focuses on outward signs of wealth and success which do not always line up with your own goals and interests.  This has become worse in the age of social media, where everyone advertises their homes, vacations, and perfect children.  This is one of those things that is easier said than done but try to focus on your personal goals and benchmarks as a measure of success instead of comparing yourself to others.  And understand that many folks with external signs of wealth may be struggling financially.  Listen to the full episode for more tips!  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance   Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

In this episode of Widow Wisdom and Wealth, host Donna speaks with Tina Fornwald, founder of Widowhood Real Talk with Tina. They discuss Tina's personal journey through grief after losing her husband, the importance of community and family support, and the challenges of parenting as a sole parent. Tina shares her insights on self-care, planning for the future, and her writing journey, including her upcoming book. The conversation emphasizes the need for connection and resources for those navigating widowhood.   Takeaways Tina's mission is to facilitate healing from grief. Grief can be isolating, and community support is vital. Self-care is essential during the grieving process. Planning for the future can alleviate some burdens of grief. Tina's family plays a significant role in her healing journey. Sole parenting after loss presents unique challenges. Saying no is a powerful tool for managing time and energy. Writing has been a therapeutic outlet for Tina. Connection through shared experiences is crucial for healing. Tina's resources aim to support widows and widowers in their journey.   Chapters 00:00 Introduction to Widowhood Real Talk 02:21 Tina's Personal Journey Through Grief 06:29 The Role of Family in Healing 10:10 Navigating Parenthood After Loss 12:50 The Importance of Self-Care 18:17 Planning for the Future 20:14 The Writing Journey and New Projects 29:58 Resources and Community Support   _______________________________ CONNECT

What happens when three industry titans leave the corporate world to build a firm from the ground up? In this episode of The Stephen and Kevin Show, we sit down with the founders of &Partners—David Kowach, Kristi Mitchem, and John Alexander.Together, they have created one of the fastest-growing hybrid RIAs in the country, surpassing 100 advisor practices and $50 billion in assets in a remarkably short period.In this episode, we discuss:Scaling with Soul: How to build an organization that feels small and personal but operates with massive scale.The Leadership Shift: Lessons carried over from leading massive organizations like Wells Fargo Advisors and BMO Global Asset Management.Intentional Culture: Why &Partners is focused on advisor ownership and removing the bureaucracy of "big-scale" players.Advisor Growth: Specific growth activities and marketing shifts for advisors moving away from large wirehouses.The Five-Year Vision: What success looks like as they target $120 billion in assets by 2028.Whether you are a solo advisor or leading a large team, these insights on leadership and intentional growth are a masterclass for anyone in the wealth management space.&Partners has selected Fidelity Investments (Fidelity) through its broker-dealer National Financial Services LLC (NFS) as our primary custodian. Fidelity Investments is one of the longest-standing private financial services companies in the United States. Fidelity utilizes NFS for the purposes of providing custody and safeguarding client assets. Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. Securities and investment advisory services offered through &Partners, LLC, a broker-dealer and investment adviser registered with the U.S. Securities and Exchange Commission and member FINRA/SIPC.

Financial Clarity for Doctors tackles some student loan updates with hosts Rachelle Vanderzanden and Corey Janoff.  On December 10th, the Department of Education proposed a settlement in the case challenging the SAVE plan and agreeing to dismantle the payment plan (pending court approval, so maybe not officially dead).  What does that mean for the seven million borrowers still enrolled in the plan?  Next steps for SAVE plan participants:  Most folks will likely need to apply to move into a new income-driven payment plan or move into a Standard repayment plan.  This means recertifying income and enrolling in one of the remaining plans.  Currently, those options are IBR, ICR, or PAYE with the new RAP plan being rolled out this coming summer.  If the goal is to work toward Public Service Loan Forgiveness (PSLF), you will likely want to enroll in the plan that equals the lowest payment.  When you reach 120 months of qualifying employment, you can look into the “Buyback” program to see if you can make payments from your time in forbearance.  If the goal is not PSLF, you can explore lots of options, payment plans, and even refinancing.  Although move slowly with refinancing!  Moving to a private bank has some downsides.  As with everything, your student loan approach should be determined based on your goals and needs.  Any strategy (including loan repayment) depends on the specifics of your situation.  If needed, consult with a professional to try to find the best strategy for your loans.  They were an investment in your future!   But we don't want them hanging over your head forever.  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance     Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

In this episode, Brian and Ryan break down the LPL Research 2026 Outlook and translate Wall Street research into plain-English takeaways for investors.The big theme for 2026: markets are being driven less by traditional fundamentals and more by policy decisions, momentum, and investor behavior. Brian and Ryan discuss what that means for the economy, stock market expectations, and fixed income—and how investors should think about positioning portfolios heading into the year.Rather than reacting to headlines, this conversation focuses on staying disciplined, patient, and aligned with long-term goals in what is likely to be a more volatile, policy-sensitive market environment.The Economy: Slower First, Stronger LaterExpectations for a modest economic slowdown early in 2026Why AI investment and fiscal spending may help prevent a recessionCooling labor markets, easing inflation pressures, and what that means for Federal Reserve policyWhy rate cuts are expected to be gradual, not aggressive  Stocks: Bull Market, But With More BumpsWhy the bull market may extend into 2026—but with more tempered gainsElevated valuations and the likelihood of increased volatility in a mid-cycle yearThe role of AI enthusiasm in supporting equity marketsWhy patience and selective opportunities matter more than chasing headlinesLPL Research's S&P 500 fair value range of 7,300–7,400 for 2026  Bonds and Cash: Income Over Price AppreciationWhy bonds are again offering meaningful income opportunitiesExpectations for 10-year Treasury yields in the 3.75%–4.25% rangeWhy returns on cash are likely to decline as rates fallThe case for high-quality, intermediate-term bonds for long-term investors  Markets may be noisier and more policy-driven in 2026—but discipline, diversification, and patience remain the most reliable tools investors have. This episode helps cut through the noise and focus on what actually matters.Check out LPL Research's Outlook: CLICK HERE**Connect with Us:**- Share your stories or questions:  info@FordFG.com- Find us on the Web: FordFG.comThe opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.Send in your questions!

In this conversation, Pam Baker shares her journey through grief after losing her husband to glioblastoma. She discusses the importance of community and support for widows, highlighting her initiative, Widows Who Wine, which provides a safe space for women to connect and heal. Pam emphasizes the significance of financial planning and preparation for the future, especially in the context of loss, and shares insights from her new book, 'Where's the Key to the Safe.' The discussion touches on the challenges of navigating grief, the importance of open conversations about finances, and the joy of building a supportive community.   Takeaways Pam Baker is a passionate advocate for healing after loss. Widows Who Wine provides a safe space for women to connect. Grief can be isolating, and community support is essential. Financial planning is crucial, especially during life transitions. Pam's journey emphasizes the importance of having difficult conversations. The pandemic provided unexpected quality time for families. Pam's book aims to help families avoid probate pitfalls. Creating community can lead to empowerment and joy. It's important to find joy and connection after loss. Pam's experiences with grief have shaped her mission to support others.   Chapters 00:00 Introduction to Pam Baker and Her Journey 08:05 Navigating Grief and Loss 14:50 The Business of Death and Financial Planning 22:32 Creating Community: Widows Who Wine 38:58 Final Thoughts and Insights   Connect with Pam Baker Facebook: https://www.facebook.com/pam.r.baker.5 LinkedIn: https://www.linkedin.com/in/pambaker1818/ Instagram: https://www.instagram.com/bakereed/ Website: https://www.widowswhowine.com  Website: https://lastinglegacyconsulting.com     _______________________________ CONNECT

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff do their annual crystal ball check and venture some guesses for 2026.    Tune in to hear more Corey and Rachelle's 2026 predictions on:  Student loans and schooling  The housing market  The economy  Interest rates  Basically, everything that you can't really predict!  For 2025, the hosts did okay!  But Rachelle was pretty wrong about the stock market....  Corey predicted positive stock market performance correctly, but Rachelle thought growth would be much more muted.  Interest rates remained fairly high.  Quite a few correct guesses for the year!  But maybe that's because the guesses were pretty safe!  It's a lot of fun to make predictions, partially because we already know how incorrect they might be!  As always, have a little fun, but build your financial plan by focusing on the things you can control, not on random guesses about what may happen next.  To hear more, listen to the full episode.    For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance     Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

In this solo episode of 'Widow Wisdom and Wealth,' host Donna Jean Kendrick shares her reflections on 13 years of widowhood, focusing on the importance of setting boundaries. Donna discusses the challenges she faced, from managing a career and raising children to blending families after remarriage. She shares personal anecdotes, such as the aftermath of her foot surgery, to illustrate the critical role of communication and planning in maintaining healthy boundaries. Donna emphasizes that setting boundaries is not negative but rather essential for preserving mental space, strength, and the ability to serve others effectively. She encourages fellow widows and widowers to prioritize their needs and advocate for themselves while navigating life's complexities. 00:00 Introduction to Widow Wisdom and Wealth 00:56 Navigating Life as a Widow 02:55 The Importance of Boundaries 03:41 A Personal Story on Boundaries 08:33 Lessons Learned and Practical Tips 14:10 Final Thoughts on Self-Care and Boundaries    _______________________________ CONNECT

As we approach another new year, we take a moment to reflect on our financial plans and make adjustments as needed.  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through all of the things you should be revisiting.  Even if you've made a plan, don't let it get stagnant and out of step with your current life and goals. Parts of a financial plan to revisit include: Goals and priorities: we change over time, so this will likely change as well! Progress toward those goals: you may need to adjust if you are off track! Beneficiary designations on accounts, retirement plans, etc as well as estate planning documents. Insurances: the coverage you need at Age 40 is likely not the same coverage you will need at Age 55. Investment allocations: as your risk tolerance changes, so should your investment strategy! College savings: as your kid(s) get older, you may have a better idea of what they will need.   It's a great idea to do at least an annual review.  You may not need to adjust each of these things every year, but that will give you an opportunity to recognize anything in your plan that is out of step in a timely manner.  I think we'd all rather know if we are off track sooner than later so we can make the necessary changes.   For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Episode Summary: In this episode of the Solar Maverick Podcast, Benoy sits down with Rob Sternthal, Managing Director at Expedition Infrastructure Partners, to break down how investors evaluate solar platforms and development pipelines. Rob brings more than 20 years of experience in investment banking, tax equity, structured finance, and renewable energy, and he explains the real criteria that determine platform value today. Benoy and Rob discuss why platforms are being repriced, how rising SG&A and longer development timelines are reshaping exits, and what investors are prioritizing in the current market. They also cover the Pine Gate bankruptcy, the renewed shift toward “develop and flip,” battery economics, tax credit insurance constraints, FEOC uncertainty, and the wave of distress expected to define the industry over the next two to three years. Biographies Benoy Thanjan Benoy Thanjan is the Founder and CEO of Reneu Energy, solar developer and consulting firm, and a strategic advisor to multiple cleantech startups. Over his career, Benoy has developed over 100 MWs of solar projects across the U.S., helped launch the first residential solar tax equity funds at Tesla, and brokered $45 million in Renewable Energy Credits (“REC”) transactions. Prior to founding Reneu Energy, Benoy was the Environmental Commodities Trader in Tesla's Project Finance Group, where he managed one of the largest environmental commodities portfolios. He originated REC trades and co-developed a monetization and hedging strategy with senior leadership to enter the East Coast market. As Vice President at Vanguard Energy Partners, Benoy crafted project finance solutions for commercial-scale solar portfolios. His role at Ridgewood Renewable Power, a private equity fund with 125 MWs of U.S. renewable assets, involved evaluating investment opportunities and maximizing returns. He also played a key role in the sale of the firm's renewable portfolio. Earlier in his career, Benoy worked in Energy Structured Finance at Deloitte & Touche and Financial Advisory Services at Ernst & Young, following an internship on the trading floor at D.E. Shaw & Co., a multi billion dollar hedge fund. Benoy holds an MBA in Finance from Rutgers University and a BS in Finance and Economics from NYU Stern, where he was an Alumni Scholar. Rob Sternthal For the last 20+ years, Rob has been a leading investment banking executive and recognized platform builder across the renewable power, energy, ESG and real assets sectors, advising on more than $25 billion of transactions. Prior to joining XIP, Rob was a Managing Director focusing on renewable power at Piper Sandler. Before that, Rob was responsible for building platforms at Rubicon Capital Advisors as well as CohnReznick (now CRC-IB). He founded and built CohnReznick's Capital Markets group (CRC) into a market-leader over ten years, completing nearly $20 billion in transactions and managing a team of 30 professionals. Prior to CRC, Rob established and led multiple real estate and asset-backed securities practices for Credit Suisse in the United States as well as internationally. He began his career as an attorney for the U.S. Securities & Exchange Commission as well as in private practice at Milbank. Rob received a bachelor's degree in economics and French, with honors, from Emory University and a Juris Doctorate, cum laude, from the Temple University School of Law. Rob is a Registered Representative of BA Securities, LLC. Member FINRA, SIPC. Stay Connected: Benoy Thanjan Email: info@reneuenergy.com  LinkedIn: Benoy Thanjan Website: https://www.reneuenergy.com Website: https://www.solarmaverickpodcast.com   Rob Sternthal Linkedin: https://www.linkedin.com/in/robert-sternthal-548b287/    Website:  ​​https://xipllc.com/  Email:  Rob@xipllc.com  NPM Podcast related to XIP's partnership with Gordian:   https://newprojectmedia.com/npm-interconnections-us-episode-172-rob-sternthal-peter-kauffman-xip-gordian/  If you enjoyed this episode, please rate, review and share the Solar Maverick Podcast so more people can learn how to accelerate the clean energy transition.   Join Us for the Winter Solstice Fundraiser!  I'm excited to invite you to our Winter Solstice Fundraiser, hosted by Reneu Energy and the Solar Maverick Podcast on Thursday, December 4th from 6–10 PM at Hudson Hall in Jersey City, NJ! https://www.tickettailor.com/events/reneuenergy/1919391 This event brings together clean energy leaders, entrepreneurs, and friends to celebrate the season while raising funds for the Let's Share the Sun Foundation, which installs solar and storage systems for families and communities in need in Puerto Rico. We'll have: -Great food and drinks -Amazing networking with solar and sustainability professionals -Sports memorabilia auctions (with proceeds benefiting Let's Share the Sun) -An inspiring community focused on making an impact through solar energy If you or your company would like to get involved as a sponsor, please message us at info@reneuenergy.com.     Reneu Energy Reneu Energy provides expert consulting across solar and storage project development, financing, energy strategy, and environmental commodities. Our team helps clients originate, structure, and execute opportunities in community solar, C&I, utility-scale, and renewable energy credit markets. Email us at info@reneuenergy.com to learn more.            

Smart Dating Divas Embracing Love and Life Transitions with Donna Meador In this episode of Widow Wisdom and Wealth™, host Donna interviews Donna Meador, who shares her incredible story of finding love later in life, navigating relationships with adult children, enduring financial hardships, and rebuilding her life after loss. Donna discusses the loss of her first husband, her journey to find new love, creating a blended family, and starting Smart Dating Divas. She highlights the importance of self-love, financial planning, and effective communication with loved ones. The episode offers valuable insights for widows considering dating and provides practical advice on handling financial and emotional challenges.   00:00 Introduction to Donna Meador 00:20 Donna's Journey: Love, Loss, and New Beginnings 02:52 Donna's Current Life and Family 04:40 Navigating Widowhood and Dating Again 05:49 Donna's Dating Philosophy and Book 10:24 Meeting Jeff: A New Love Story 12:47 Challenges and Insights on Dating as a Widow 18:22 Support and Guidance for Widows 21:05 Financial Struggles as a Widow 22:22 Navigating Social Security Benefits 24:22 Finding Love Again and Financial Planning 26:50 The Importance of Life Insurance 28:20 Financial Education and Support 32:07 Communicating with Adult Children 43:03 Final Thoughts and Resources   Connect with Donna Meador:  Website: https://smartdatingdivas.com/  Donna Meadow's Free ABC Dating Secrets: https://smartdatingdivas.com/abc?utm_source=ig&utm_medium=social&utm_content=link_in_bio&fbclid=PAZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMjU2MjgxMDQwNTU4AAGnP-C7LmxDvQecwICsyXNzyfxnfy6KY5d3vJD7aN_vnSE8XKVCXJQmXTLWCws_aem_LM5VmfAfJSIJr_BnQqPYuQ   Want to be our next guest? Click here: https://widowwisdomwealth.com/be-our-guest/    Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice.

The stock market is a wild and unpredictable place sometimes!  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff chat through stock market “bubbles” and whether or not we might be in one right now.   This episode covers:  The basics of a “bubble”.  An overview of the dot.com bubble from the late 90s/early 2000s.  Stock market performance and recovery times during and following this period.  The value of diversification.  Similarities and differences between the current stock market and the stock market during that period.  How to approach long-term investing in the wake of uncertainty.  We don't have a crystal ball!  Realistically, we can assign valuations to any given company, but the stock is worth whatever price a buyer and seller can agree upon.  That's part of the reason the stock market is unpredictable, and timing the market generally does not work well.  Instead, focus on your long-term goals and come up with an allocation that makes sense for you.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Host and Certified Financial Planner, Bryan Kuderna, delves into the "Buy, Borrow, and Die" strategy, a financial approach to minimize taxes. After three straight years of high stock market returns, investors should be aware of how to use their portfolio most efficiently. He discusses capital gains taxes, the benefits of long-term investing, tax loss harvesting and "wash sale" rules, step-up in basis for heirs, and the strategic use of donor-advised funds. This episode is brought to you by Weekly Wealthy Wisdom, my free e-newsletter. Go to www.bryankuderna.com to sign up now! This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 

In this edition of 'Widow Wisdom and Wealth™,' host Donna Kendrick and her husband Jim Gehan share an impromptu conversation about self-care, sleep, and community support after the loss of a spouse. They discuss the importance of creating a new normal, taking personal time, and addressing the guilt often felt by widows and widowers when they focus on their own needs. The episode highlights their personal experiences and offers practical advice for those navigating career challenges and parenthood after losing a partner.   00:00 Introduction to Widow Wisdom and Wealth 00:42 Impromptu Podcast Setup 01:37 Jim's Mecu Auto Auction Experience 02:07 Donna's Writer's Retreat in Sedona 03:01 Encouraging Self-Care and Personal Time 04:18 Balancing Career, Kids, and Self-Care 09:51 Challenges of Early Widowhood 13:10 Discussing Fast Food Preferences 13:49 Taking Care of Yourself 14:03 The Importance of Rest and Sleep 15:08 Adjusting to a New Normal 16:42 Seeking Support and Self-Care 18:25 Finding Personal Time and Hobbies 20:57 Final Thoughts and Encouragement 22:42 Closing Remarks and Contact Information     _______________________________ CONNECT  WITH DONNA

Let's do a quick review of disability insurance!  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff dive into the details of long-term disability insurance.  This coverage is very important for anyone who is still reliant on their income. Discussion topics include: When and why you need this insurance. Different kinds of disability insurance. Details of long-term disability including a breakdown of many common riders. A comparison of employer/group coverage vs. individual coverage. How to apply for coverage. When you may need to increase your coverage and when it's okay to cancel it. No one likes paying for insurance, but insurance allows you to share some larger financial risks with a third party.  Disability insurance is a great example of that.  Most of us feel invincible until we're not. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this episode of 'Widow Wisdom and Wealth™,' host Donna Jean Kendrick welcomes career coach Shelly Malley, recently recognized as one of the top coaches in Philadelphia by Influence Digest in 2023. Shelly shares her extensive experience in HR and career coaching, offering insights into job search strategies, personal branding, and navigating career transitions, particularly for those dealing with loss and balancing family life. Shelly discusses her personal journey, including career pivots, the challenges of motherhood, and the impact of losing her mother at a young age. She also provides practical advice for those considering a career change and highlights the importance of knowing oneself and marketing transferable skills.   00:00 Introduction to Widow Wisdom and Wealth 01:43 Meet Shelly Malley: Career Coach Extraordinaire 02:52 Shelly's Career Journey: From HR to Career Coaching 07:52 Balancing Career and Family: Shelly's Personal Story 10:02 Shelly's Childhood and Family Dynamics 19:39 Career Transitions and Coaching Insights 24:39 Top Tips for Career Change 25:45 Connecting with Shelly Malley     Thanks to our guest Shelley Maley Connect with Shelley linkedin.com/in/shelleymaleycareercoach https://www.dreamcatchercareercoaching.com https://www.facebook.com/dreamcatchercareercoachingllc https://www.instagram.com/dreamcatchercareer   _______________________________ CONNECT  WITH DONNA

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss some potential complications of declining property values.  Don't panic!  This may not even apply to you, but it's good information to understand.  If your home is worth less than you expect:  If you purchased in the last couple of years and want to refinance, you may not be able to do so.  Many banks require a certain percentage of equity to refinance your loan.  Try to get the details of refinancing before you buy!  You won't be able to borrow against the value of your home unless you have enough equity.  If you need to sell, you may end up actually paying money to get out of the house.  For example, if you purchased a home for $900,000 and paid 10% down but your home is now worth $800,000, the proceeds from the sale may not be enough to pay off your mortgage and pay the closing costs on the loan.  If you're staying put, it may not be a big deal at all!   Generally, the longer you plan to stay in a home, the less likely you will be hit with some of these problems.  You probably will have much more equity in a home you've lived in for ten years than one you lived in for three years.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.    Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Let's go back to macroeconomics class!   In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss the basics of inflation.  Why do prices continue increasing?  We'd rather pay 25 cents for milk too!  Unfortunately, capitalism and supply and demand make price stability pretty much impossible.  And that's not always a bad thing.  Some Basics on Inflation:  Generally measured in the United States by something called the Consumer Price Index (CPI) which tracks the costs of goods and services.  Sky-rocketed coming out of covid times with supply chain issues, cheap money (low interest rates), a tight labor market which generally means higher pay, and stimulus funds.  Lots of demand because people had money, but supply was low, so prices went up.  Now hovering around 3%, but still dealing with the effects of large increases over the past few years.  Wages generally increase over time, which is another upward pressure on price through supply and demand.  The Federal Reserve has a dual mandate to keep inflation in check and keep unemployment low.  That does NOT mean zero inflation.  They have a target inflation rate of 2%.  One of the biggest ways they do this is by increasing interest rates, therefore making it harder for people to purchase things they would need to finance.  To protect against inflation:  Keep short-term savings in something like a high-interest savings account where you can earn interest.  Negotiate pay increases based on your cost of living.  Retirement money should be invested so that it has a chance to grow and outpace inflation – although we know this is not a guarantee, inflation is the bigger risk to long-term money.  Inflation is a part of the global economy!  We can't get rid of it, so the best we can do is protect our personal finances as best we can from its effects.  Listen to the full episode to hear more.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.    Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Financial Clarity for Doctors spends a lot of time talking about how to balance your financial priorities and achieve your goals with the resources you have.  In this episode, hosts Corey Janoff and Rachelle Vanderzanden take some time to delve into those life goals.  We often ask clients, “What's the fairy tale for you?”  Spending some time thinking about the things you're working toward can be a lot of fun – and motivating!  Your goals can be anything!  Maybe for you it's working less now and taking more time for family, friends, and hobbies now.  It could be longer-term traveling plans.  Someday maybe you'll have the luxury of a trip that lasts a month or two instead of a week or two.  For some folks, it's having that very special place to land with friends and family.  Beach house anyone?  A place in the mountains?  Others want to have the ability to make dreams come true for their children or even people they've never met.   Take some time to think about your own motivation.  It may help you find the balance between living for today and saving for the future.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.    Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

What happens when your company's processes are costing you more than they're helping you? In this episode of Grow Your Business & Grow Your Wealth, guest host Jack W. Reeder, CLU, ChFC sits down with Hugh Glazer, Managing Director of Winterview Group. Hugh shares why businesses—whether start-ups or long-established firms—must step back from daily operations and map their transaction flows. From uncovering inefficiencies to improving cash flow and creating better decision-making frameworks, Hugh explains how visual workflows can save money, strengthen performance, and reveal opportunities for growth.Drawing on his decades of experience, including his work with the Goldman Sachs 10,000 Small Businesses program, Hugh talks about the most common mistakes companies make, real-world turnaround stories, and why entrepreneurs need to invest in infrastructure, data analysis, and forward planning to thrive.

What happens when your company's processes are costing you more than they're helping you?In this episode of Grow Your Business & Grow Your Wealth, guest host Jack W. Reeder, CLU, ChFC sits down with Hugh Glazer, Managing Director of Winterview Group. Hugh shares why businesses—whether start-ups or long-established firms—must step back from daily operations and map their transaction flows. From uncovering inefficiencies to improving cash flow and creating better decision-making frameworks, Hugh explains how visual workflows can save money, strengthen performance, and reveal opportunities for growth.Drawing on his decades of experience, including his work with the Goldman Sachs 10,000 Small Businesses program, Hugh talks about the most common mistakes companies make, real-world turnaround stories, and why entrepreneurs need to invest in infrastructure, data analysis, and forward planning to thrive.

What happens when you chase growth, double revenue year after year, and finally realize the business you've built is slowly consuming your life? Brad Johnson, Co-Founder of Triad Partners and former host of The Elite Advisor Blueprint, shares the raw story of leaving behind a secure, high-paying role to pursue a new vision of what success in financial advice can look like. From sleepless nights as a new entrepreneur to creating a culture that prioritizes family and freedom, Brad opens up about the lessons, struggles, and breakthroughs that shaped Triad's mission: help Advisors build a business that blesses their life, not becomes their life. If you've ever felt the pull between professional success and personal fulfillment, this candid conversation will challenge the way you think about growth, leadership, and the true definition of winning as an Advisor. You'll Learn: Why the most addictive drug for Advisors is the biweekly paycheck—and how to move beyond it The dangers of redlining success and how to avoid building a business that becomes your prison How to shift from Advisor to CEO by scaling sales, planning, and service the right way Why “Do Business, Do Life” isn't just a slogan, but a model for building something bigger than yourself To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Connect with Brendan Frazier: RFG Advisory LinkedIn: Brendan Frazier About Our Guest: Brad Johnson is the Co-Founder of Triad Partners, a coaching and community platform helping growth-minded financial advisors build businesses that bless their lives instead of becoming their lives. For more than 15 years, Brad has worked alongside some of the most successful advisors in the country, shaping strategies around practice management, leadership, and client experience. He's also the host of the Do Business. Do Life. podcast and the former host of The Elite Advisor Blueprint, where he interviewed thought leaders inside and outside of finance to bring fresh perspective to the advisory profession. A Kansas farm kid turned industry leader, Brad is passionate about redefining what “success” looks like for Advisors—focusing not just on revenue growth, but also on family, freedom, and fulfillment. Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden dive into the world of financial advice driven by Artificial Intelligence.  Computers are becoming more and more sophisticated and nuanced in their ability to answer questions and provide advice and information on a wide range of topics.  Can we rely on AI for good financial advice? In this episode we walk through: Current uses of AI in financial advising including sophisticated note taking and answers to questions based in facts. For example, what is the 401k contribution limit in 2025? We also talk about some of the limits of AI in this world. One of the biggest factors is not knowing what information to provide in order to get a good output. For example, if you forget to prompt for inflation, would that be included in an answer regarding retirement readiness? Financial advice can also be very nuanced and influenced by individual goals, how much risk a person can tolerate, compromises between partners, and personal experiences. It's hard for a computer to know you well enough to take those things into consideration. In short, artificial intelligence may be helpful to solve some of the factual and math questions in finance, but it doesn't seem like we are there yet with the personal side of things.  Which is a very big part of planning!  Listen to the full episode to hear more about ways that AI may be able to help in plan, and areas where it may struggle a bit. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Most Advisors rely on technical expertise (IQ). But when you work with human beings, IQ alone often isn't enough. You have to combine IQ and EQ (Emotional Intelligence). Shannon Harris, Managing Partner at Ecclesiastes Wealth Partners, has developed an approach that blends IQ with EQ by delivering values-based advice designed to reshape every client conversation. In this episode, she shares why she completely rebranded her firm to focus on values-based advice and the framework she uses to deliver that value in every conversation. You'll Learn: Why IQ alone often isn't enough and how EQ can elevate your business How she applies values-based conversations in every meeting How she uncovers a client's top 5 values with a simple exercise How she uses the client's values to help them make better decisions The common quantitative and qualitative results of embracing this approach To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: Values Exercise - Think2Perform The Ruthless Elimination of Hurry by John Mark Comer Equipping for Impact – Coaching program tailored to financial professionals Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Shannon Harris:  Website: Ecclesiastes Wealth Partners LinkedIn: Shannon Harris About Our Guest:  Shannon Harris is the Managing Partner and an advisor at Ecclesiastes Wealth Partners, recognized by Forbes as one of the Top Women Wealth Advisors. With over 25 years of experience, she blends financial planning with emotional intelligence, delivering values-based advice that aligns money with what matters most. Her unique approach is rooted in behavioral finance and life coaching, helping clients make meaningful, purpose-driven financial decisions. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

What if everything you've been taught about preparing clients for retirement is only half the story? Fritz Gilbert spent a decade writing over 400 articles about life after work on his blog The Retirement Manifesto. But the real transformation happened after he actually retired. In this episode, Fritz reveals the surprising emotional challenges retirees face — from losing structure and identity to silently wondering, “Is this all there is?” If you want to help clients move from simply retired to truly thriving, this conversation will teach you how to guide clients through the non-financial side of retirement. You'll Learn: The 4 psychological phases of retirement The 90/10 rule of retirement no one prepares you for How Fritz shifted from a saving to spending mindset The #1 mindset that helped him create a thriving life after work The emotional transition most retirees go through and how to prepare for it         *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: Book: Keys to a Successful Retirement by Fritz Gilbert Book: Control Your Retirement Destiny by Dana Anspach Book: Purpose Code by Jordan Grumet Charity: Freedom for Fido Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Fritz Gilbert:  LinkedIn: Fritz Gilbert Website: The Retirement Manifesto About our Guest:  Fritz Gilbert is a writer focused on helping people achieve a great retirement. Following his 33-year career in Corporate America, he has dedicated his retirement to writing on the topic and has become one of the leading bloggers on the subject of retirement, with a focus on both the "harder" (financial) and "softer" (lifestyle) issues that are critical to success after crossing "The Starting Line". His award-winning blog, The Retirement Manifesto, captures "the present before it becomes the past" as it chronicles his journey to and through retirement. His large following is primarily comprised of people approaching, or living in, retirement. His first book, Keys to a Successful Retirement, is a summary of the 24 keys he has identified and experienced in his own successful transition to retirement and is a "must-read" for anyone within five years of retirement. Fritz and his wife, Jackie, reside in the mountains of Blue Ridge, Georgia with their four rescue dogs. They enjoy cross-country travel in their RV to visit their daughter and her family in the Pacific Northwest and are active in charitable work in their local community. When he's not writing, Fritz enjoys a focus on physical fitness and spends as much time as possible in the mountains surrounding their retirement cabin. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy  Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RF...