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Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses.For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.The Real Issue: Seniors Struggling with Credit Card DebtNearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren't impulsive spenders buying luxury items. They're retired, living on fixed incomes, and they're relying on credit just to pay for basics like groceries and prescriptions. They're often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%.Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love.One of the biggest hurdles is the spread of misinformation. People believe they'll lose their house, or that a reverse mortgage is inherently bad.In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool.Who Should Consider a Reverse Mortgage?Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets.One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit.Whether it's a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it's all about wise stewardship.At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn't make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That's not good stewardship.Reverse mortgages aren't for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution.If you're entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. On Today's Program, Rob Answers Listener Questions:I'm 71 and still working, but I'm not sure how much longer I'll be able to keep it up. Would a reverse mortgage help me eliminate my monthly mortgage payment, allowing me to manage better if I need to stop working?I have recently retired and hold a 401(k) account with Fidelity. Someone mentioned a company called Big Money Retirement Solution, which offers a 9% annual return on an annuity. Should I consider moving half of my portfolio there?I heard there's a way to get a free credit report that the government requires. How do I access that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
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...
Howard Stern is swatting down talk of a SiriusXM collapse. Meanwhile, Kathy Griffin is privately “pea green” with envy over Nikki Glaser’s recent career surge. And Wendy Williams is ruffling feathers at her upscale NYC retirement community, leaving her golden-years neighbors fuming. Don't forget to vote in today's poll on Twitter at @naughtynicerob or in our Facebook group. See omnystudio.com/listener for privacy information.
For more than a decade, financial advisor and author Wes Moss has surveyed people near and in retirement. In Part 1 of this two-part discussion with Robert Brokamp, Wes shares the financial and non-financial metrics and habits of the happiest retirees. Also in this episode: - How the current bull market compares to those of the past - Estimates for the future returns from stocks - How to make more on your cash Tickers discussed: SGOV Host: Robert Brokamp Guest: Wes Moss Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
One of the largest buyers of homes these days is retiree's or potential retirees. They have the financial wherewithal to purchase new homes and they have different wants and needs from their floor plan.We discuss the potential rooms they desire to have in their next home and why the shift.As a builder, do you need to change your plans, as a home seller do you need to do some updates to hit this huge buying demographic?Thanks for listening! Please make sure to give us a 5* review and hit that subscribe button to support the channel! Email: homebuildinghero@yahoo.comTwitter: @building_heroFacebook: www.facebook.com/homebuildingheroInstagram: @homebuildingheroInsider Club: https://mailchi.mp/062ece3a2b79/home-building-hero-podcast-email-list Thanks to our studio sponsor LP Building Solutions! To learn more about my homes visit Belman Homes andWhen you have a moment, pick up a copy of my new Amazon Best Selling book "Leadership Growth Hacks" at https://amzn.to/2ZBRuN3
Premiership player and concussion retiree Nathan Murphy raised awareness for a 'real-time' concussion care management system. See omnystudio.com/listener for privacy information.
In this episode Brian and Jeff discuss a big market warning for retirees and how the real estate market is evolving for landlords.
Do Business. Do Life. — The Financial Advisor Podcast — DBDL
From protecting quarterbacks to protecting retirements, Triad Member, Terence Brown never stopped being a left tackle.After a career playing Division I football at BYU and a stint in the pros, he transitioned into financial services and brought his team-first mindset with him. Today, he leads Left Tackle Advisors—a fast-growing planning firm where protecting people's blind sides isn't just a tagline, it's deeply embedded in the culture.In this episode, Terence shares how he evolved from high-volume product sales to a planning-first model. He doesn't serve as many people, but the relationships got deeper, the work got better, and the clients got bigger.He unpacks how that transition fueled growth from $5M to $33M in annual new assets, how intentional language transformed his team's culture, and why the advisors who win long-term will be the ones who build real relationships—not just retirement plans.3 of the biggest insights from Terence…#1.) Why Language Matters More Than You ThinkTerence calls his clients “teammates”— and that one change has transformed the culture of his firm. His team doesn't “serve clients”; they protect their teammates. That small shift in language has created deeper connection, more ownership, and a community retirees actually want to be part of.#2.) Feedback Is a Superpower (If You Can Get Over Your Ego)Every athlete watches game film to improve. Terence brings that same philosophy into his business—recording every seminar, prompting AI to coach him, and treating every piece of feedback like a gift. His secret? Separating the message from the messenger so growth doesn't get blocked by ego.#3.) Solve Bigger Problems, Serve at a Deeper LevelBy shifting from a product-driven model to holistic planning, Terrence increased his average client AUM to over $700K — a significant jump from the smaller transactional accounts he started with. Fewer clients. Bigger impact. Stronger relationships. That's how he's building a firm and a legacy that lasts.SHOW NOTEShttps://bradleyjohnson.com/128FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: 30 minute 1:1 coaching call with BradAre you a financial advisor who feels stuck, needs help, or simply wants to have a conversation with Brad? Text “Coaching” to 785-800-3235 to apply for a 30 minute Zoom coaching session and we'll send you a link to Apply. That will also make you a DBDL Insider with VIP access to future resources and exclusive content. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations.The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for.Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.Terence Brown is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting. Insurance and annuity products are not sold through Fusion Capital Management. Fusion does not endorse any annuity or insurance product, nor does it guarantee any insurance or annuity performance. Annuity and life insurance guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions. These commissions are separate and distinct from Fusion's investment advisory fees. TP08254635397See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Welcome to another edition of Planning for Retirement (PFR) with Kevin Lao. And welcome to all the newbies here! If you are new, you might want to hit that “Follow” button if you are over 50 and have saved a minimum of 7 figures for retirement. You're approaching the phase of life where you want to be able to fire your boss at any time, maximize your retirement impact, minimize your lifetime tax bill, and worry less about money! This is your podcast!And don't forget to “Subscribe” to our YouTube Channel, where we put out weekly retirement-related content designed for YOU (PFR Nation).Today, we'll revisit another Q&A session with some GREAT questions we've curated over the last few months. Reminder, if you have a question for a future Q&A episode, or simply want to send me an email, you can at: kevin@imaginefinancialsecurity.comWe have questions related to Roth IRAs, Inherited Roth IRAs, stock allocations for retirees, IRA to Health Savings Account rollover, and more! I hope you enjoy this one!Kevin Resources Mentioned:Don't miss your Roth Conversion Window (video)Are you interested in working with me 1 on 1? Click this link to fill out our Retirement Readiness QuestionnaireOr, visit my websiteConnect with me here:YouTubeJoin My Company NewsletterThis is for general education purposes only and should not be considered as tax, legal or investment advice.
Ep 114: Retirement doesn't always mean slowing down. For some, it means stepping up to support a loved one with autism. In this episode, Ben and Curtis talk with Dr. Alexandra Rogers, a retired psychologist and autism advocate, about the unique role many grandparents and retirees play as caregivers. With warmth and deep experience, Dr. Rogers explores how to better understand autism from the perspective of the individual, how to balance love, advocacy, and boundaries, and how to thoughtfully plan for long-term care and housing. She also offers guidance on how caregivers can recognize when they need support for their own mental health and how to care for themselves while caring for others. Whether you're helping a grandchild, adult child, or extended family member, this conversation offers practical strategies and heartfelt encouragement for finding purpose and peace in a complex role. Chapters: How did Dr. Alexandra Rogers begin working with autism in her career? [04:21] What does autism look like in everyday life? [11:46] Why do retirees often become caregivers for family members with autism? [14:19] What are the emotional challenges of caregiving? [16:09] What should families know about group homes and other housing options? [20:15] How can caregivers advocate effectively? [26:52] How can grandparents support from a distance or without overstepping? [28:31] What are signs caregivers need mental health support? [32:49] What does Retirement Success look like for Dr. Alexandra Rogers? [36:24]
Many seniors are getting into their 70s and getting slapped with big tax bills. What is happening and how can you avoid it? Like this episode? Hit that Follow button and never miss an episode!
Robby and Tom are here this week with a brand new episode! This week, they discuss new tax law - benefits to retirees & seniors. Don't forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
The Future of Digital Marketing | Interview with Brook Shepard The Entreprenudist Podcast https://entreprenudist.com In this must-watch interview, Brook Shepard — Founder & CEO of Mason Interactive — unpacks the future of digital marketing and how brands can scale smartly in today's fast-changing world. We cover the powerful intersection of creativity and analytics, the real impact of AI on advertising, and what it really takes to grow a brand from $0 to $40M. Whether you're a marketer, entrepreneur, or business leader, Brook shares proven strategies you won't want to miss.
Expectations for interest rate changed this week. Why do investors think decreases are less likely? Retirees should expect sticker shock on healthcare costs in retirement. How can you prepare for the looming expense? Finally, big tech is blowing away earnings expectations. Who is having a breakout quarter?
In this episode Brian and Jeff discuss President trump's One Big Beautiful Bill and what it means for investors and retirees.
The One Big Beautiful Bill Act, signed into law on July 4th, brings about several important tax changes. I'm discussing what these updates mean, especially for retirees, and sharing practical advice on how to take advantage of new deductions and avoid unexpected tax hits. From permanent adjustments to tax brackets and an increased standard deduction, to special benefits for those aged 65 and older, I cover everything you need to know to optimize your retirement strategy. Whether you're curious about Social Security taxation, itemized deductions in high-tax states, or planning smart Roth conversions, this episode is packed with insights to help you make informed financial decisions for your golden years. You will want to hear this episode if you are interested in... [00:00] An overview of the One Big Beautiful Bill Act (OBBBA). [06:13] Roth conversion tax implications. [07:29] Additional deductions for those over 65 increase total deductions. [11:35] TCJA and SALT deduction changes. [13:43] Strategies to lower taxable income for retirees. Key Tax Changes Every Retiree Needs to Know About the One Big Beautiful Bill Act One of the most impactful provisions of the OBBBA is making existing federal income tax brackets permanent. The 2017 TCJA tax brackets —10%, 12%, 22%, 24%, 32%, 35%, and 37% —had been set to expire after 2025, which would have led to higher rates. The new act not only locks these rates in place but also indexes the brackets for inflation. While there are minor changes in the income thresholds at the lower brackets, the net result is stability for taxpayers, and retirees can now plan with confidence, knowing their marginal tax rates aren't set for an imminent hike. Higher Standard Deductions Standard deductions also see positive changes, rising to $15,750 for individuals and $31,500 for married couples filing jointly. Previously, these figures were $15,000 and $30,000, respectively. With higher deductions, more retirees may find it beneficial to take the standard deduction rather than itemizing, saving time and potentially reducing taxable income. Extra Deductions for Retirees 65+ Perhaps the most significant impact for retirees: From 2025 through 2028, filers aged 65 and up can claim an additional $6,000 deduction per person. For couples where both spouses are over 65, that's a $12,000 boost, on top of the already existing extra deduction for seniors ($2,000 for individuals, $3,200 for couples). So, if both spouses are over 65 and income is below the required threshold, the combined standard deduction could reach $46,700. There is a catch, though: this extra deduction phases out as income rises, disappearing entirely for individuals making $175,000 or more and couples earning $225,000 or more in modified adjusted gross income (MAGI). The deduction is reduced by 6% for every dollar over $75,000 (for individuals) or $150,000 (for couples). For example, if a couple's MAGI is $200,000, they'd lose $3,000 of the $6,000 deduction per spouse. Timing IRA distributions or Roth conversions helps you stay under these thresholds and maximize deductions. Social Security Taxation Although there was political talk about ending Social Security taxation, the OBBBA preserves the old rules. How much of your Social Security benefit is taxable depends on your combined income, still calculated as adjusted gross income plus 50% of your Social Security benefit. The deduction enhancements may help lower your taxable income, keeping more Social Security benefits untaxed, but there are no direct changes here. Being mindful of when and how you draw taxable income can keep more of your Social Security out of the IRS's reach. Itemized Deductions and SALT Cap Changes For high-tax state residents and those with larger itemized deductions, another headline is the increase in the state and local tax (SALT) deduction cap. Temporarily, from now through 2029, the cap rises from $10,000 to as much as $40,000 (with phase-outs for high earners, those over $500,000 in MAGI lose this benefit, and it disappears after $600,000). This can provide significant relief for homeowners or retirees in states with high property or state income taxes. The mortgage interest deduction rules remain unchanged, and when combined with the higher SALT cap, could make itemizing more attractive for some. The One Big Beautiful Bill Act creates opportunities and considerations for retirees. Take the time to review your financial plan, explore new deduction limits, and coordinate with tax and financial professionals. Thoughtful adjustment now can lead to years of improved after-tax retirement income. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
Theo hosting today as Joe and Eamo go head to Hedman. Which footballers have appeared in films and TV shows? Who exactly played in the Indian Super League? Footballing scrabble names and another Career We Go with a Georgi Linkladze. Listen on for all this and more football trivia drivel!GLASGOW FOLK: Certified Friend of the Show and absolute Quizman Mackenzie Watson is bringing the CWG Video Pub Quiz to Glasgow! Sunday August 17th. Booking link below!https://tinyurl.com/2pkkbd5pFancy hosting a pub quiz across Ireland, UK (or beyond!) Drop us an email at careerwegopod@gmail.comSign up to our Patreon for a brand new pod every Friday morning! Over 35 eps in the back catalogue to enjoy!https://www.patreon.com/c/CareerWeGoExtraTime Hosted on Acast. See acast.com/privacy for more information.
Mentoring often sounds like the perfect way to steward your time in retirement—until you try it and realize it's not as intuitive as you'd hoped.For many retirees, mentoring seems like a meaningful way to invest in the next generation—a way to put their life experience to work. But what if we've misunderstood how mentoring fits into God's design for this season of life? Jeff Haanen joins us with practical stories and spiritual insight to help us reframe it.Jeff Haanen is an accomplished entrepreneur and the founder of the Denver Institute for Faith & Work. He is the author of An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life and Working from the Inside Out: A Brief Guide to Inner Work That Transforms Our Outer World.Rethinking MentoringRetirement is often marketed as the reward for decades of hard work—a long-awaited season of leisure and personal fulfillment. But what if there's a deeper, richer invitation waiting for us in this chapter of life? What if retirement isn't just about what we get—but what we give?Retirement isn't the end of our calling. It's a fresh opportunity to steward our lives for God's Kingdom in powerful new ways. One of the most meaningful ways we can do that is through mentoring—especially when we reimagine it as intergenerational friendship.Many of us picture mentoring as a formal, structured relationship: scheduled coffee dates where the older offers wisdom and the younger listens. While these settings can be helpful, we've found that mentoring is most fruitful when it grows from an organic, mutual friendship.Rather than casting ourselves as sages who dispense advice, we're invited to be fellow travelers—learning, laughing, sharing, and growing together. Intergenerational friendships emphasize mutual respect, shared experiences, and spiritual growth over time.This vision of mentoring as a form of friendship has deep roots in Scripture. Jesus said to His disciples, “I no longer call you servants… I have called you friends” (John 15:15). The Apostle Paul invested in Timothy, Elijah mentored Elisha, and Naomi walked with Ruth—but in each of these relationships, we find more than just a teacher and a student. We see companions whose hearts were knit together in love and trust.In God's upside-down Kingdom, wisdom flows both ways. The older bring experience and insight; the younger bring hope, energy, and perspective. Together, we become more like Christ.What Makes Mentoring Thrive?Through our own journey and through observing others, we've seen several elements that make these relationships truly flourish:Delight in the Next Generation. Mentoring starts not with duty but with joy. When we find genuine delight in those younger than us—when we enjoy being with them, listening, and learning—we build the foundation for real connection. Affirm Before Advising. Many younger adults are uncertain about their calling or whether they have what it takes. A word of affirmation can be far more powerful than advice. Encouragement builds trust and opens the door to growth. Lead with Vulnerability. We don't need to have it all together. It's our stories of failure and God's faithfulness that often minister most deeply. Humility makes room for healing and hope. Commit for the Long Haul. There's no shortcut to transformation. Mentoring thrives when we're patient and willing to walk alongside someone over time—through victories, setbacks, and seasons of change. Ask Thoughtful Questions. Jesus often asked His disciples powerful, heart-revealing questions. We can do the same. When we help others discover truth for themselves, they take greater ownership of their journey.The local church is a natural place to start. It's one of the few places left in our culture where generations regularly gather. Maybe it's time to simply show up—to attend a young adult gathering, volunteer in youth ministry, or offer to listen and pray for someone younger.Our workplaces also offer opportunities. Even in retirement, we may still have professional wisdom worth sharing. Informal conversations, apprenticeships, or consulting can all create meaningful space for mentorship.Most importantly, we must pray. We've learned to listen—not only to our mentee but to the Holy Spirit. We ask: Lord, what do You want us to say in this moment? How can we best serve this person? Prayer is the lifeblood of all fruitful mentoring relationships.What If Retirement Looked Like This?Imagine if thousands of believers approaching retirement swapped comfort for Kingdom impact. What if instead of isolating ourselves, we stepped into churches and communities, offering our time, wisdom, and presence?We believe that mentoring may be one of the most significant contributions we can make in our later years—not only for the benefit of others, but also for our own joy and growth. As we give ourselves away, we often find our richest reward.So here's the invitation: Start showing up. Start listening. Start sharing your story. And watch what God does through friendship across generations.Help Us Equip Others to Live with PurposeRight now, more people than ever are seeking biblical wisdom to navigate their finances and their calling. When you become a FaithFi Partner, you help meet that need.Partners receive:Early access to new devotionals and studiesA subscription to our Faithful Steward magazinePro access to the FaithFi appJoin the mission today with your gift of $35/month or $400/year at FaithFi.com/Give. On Today's Program, Rob Answers Listener Questions:I'm trying to compare mortgage rates from several lenders, but I'm concerned that multiple hard credit inquiries will affect my credit score. What's the best way to shop around without damaging my credit?I'm trying to decide between setting up a Special Needs Trust or an ABLE account for my nephew. Can you explain the differences and help me understand which option might be better for his long-term financial support?After my husband left, I found myself in a challenging financial situation. Most of my savings are gone, and because of a traumatic brain injury, my ability to work is limited. I feel overwhelmed and don't know where to begin. How can I start to rebuild my financial life?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenBankrate | Lending TreeMovement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Retirees of Sheet Metal Workers Local 36 are bringing a replica of the famous SS Admiral steamboat back to life. And, a team from Rolla is world champions. But it's not an athletic team - it's a collection of more than 100 students at Missouri University of Science and Technology who designed and built a Mars rover.
In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack one of the most misunderstood tools in retirement planning: annuities. From fixed to indexed to variable annuities, they walk through what each type does, how they work, and where they might fit in a retirement strategy. If you've ever wondered whether an annuity is right for you—or if the bad press is warranted—this episode brings clarity and balance to the conversation. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Intro: The Annuity Debate 01:42 What Is an Annuity, Really? 03:28 The Insurance Component Explained 06:17 Why Annuities Are Misunderstood 08:55 Fixed Annuities vs. CDs: Pros and Cons 10:40 Fixed Indexed Annuities: How They Work 13:50 The Role of Riders and Guarantees 17:08 Annuity Fees and Liquidity Trade-offs 20:25 When an Annuity Might Make Sense 22:41 Case Study: A Real-Life Example 26:00 Is an Annuity Right for You? Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.
As Sir James Cleverly returns to the front bench, Marc Sidwell is joined by City AM's Alys Denby and writer and academic Andrew Tettenborn to assess what the move signals for the opposition—and whether it can sharpen its message ahead of the next election.Also on the agenda: why the government is reviving the pensions commission, and what it means for the millions quietly undersaving for retirement. And why did green groups turn on the Planning and Infrastructure Bill? Plus: as the mercury rises, we ask whether Britain's aversion to air conditioning is a principled stand—or simply a failure of political imagination. From the machinery of Westminster to the cool comforts of modern living, tune in for a clear-eyed look at how policy impacts the real world.Stay informed with CapX's unmissable daily briefings from the heart of Westminster. Go to capx.co to subscribe. Hosted on Acast. See acast.com/privacy for more information.
In this episode of Grow a Small Business, host Troy Trewin interviews Jeremy Ames, co-founder of Guidant Financial, who turned a $3.5K startup into a $28 million powerhouse helping over 35,000 retirees use their retirement funds to start businesses. Jeremy shares his journey of building a 250-person team across five countries, the challenges of scaling, and the importance of customer insight and culture. With over two decades of experience, he reflects on key mindset shifts, lessons from failure, and how clarity, grit, and adaptability shaped his success in business. Other Resources: An easy way to measure if your customers love you in 21 minutes – use the Net Promoter Score (NPS). And it's FREE. Why would you wait any longer to start living the lifestyle you signed up for? Balance your health, wealth, relationships and business growth. And focus your time and energy and make the most of this year. Let's get into it by clicking here. Troy delves into our guest's startup journey, their perception of success, industry reconsideration, and the pivotal stress point during business expansion. They discuss the joys of small business growth, vital entrepreneurial habits, and strategies for team building, encompassing wins, blunders, and invaluable advice. And a snapshot of the final five Grow A Small Business Questions: What do you think is the hardest thing in growing a small business? According to Jeremy Ames, the hardest part of growing a small business is managing the emotional rollercoaster while continuing to move forward. There are moments of doubt, tough decisions, and setbacks — but staying focused through it all is key. What's your favorite business book that has helped you the most? Jeremy Ames shared that The High-Velocity Edge is the business book that helped him the most. It transformed how he thinks about scaling, continuous improvement, and building systems that allow a business to grow sustainably. Are there any great podcasts or online learning resources you'd recommend to help grow a small business? Jeremy Ames recommends resources like Audible, Blinkist, and listening to diverse podcasts. He credits his creativity to constantly consuming ideas from various sources and combining them in unique ways to solve business challenges. What tool or resource would you recommend to grow a small business? Jeremy emphasized the importance of building a solid financial projection model. He believes it's the most powerful planning tool for any entrepreneur—it helps clarify assumptions, prepare for roadblocks, and guide decision-making. What advice would you give yourself on day one of starting out in business? According to Jeremy Ames, if he could go back to day one, he would tell himself to talk to customers early and often. Deep customer understanding would've helped shape a better product, stronger marketing, and faster success. Book a 20-minute Growth Chat with Troy Trewin to see if you qualify for our upcoming course. Don't miss out on this opportunity to take your small business to new heights! Enjoyed the podcast? Please leave a review on iTunes or your preferred platform. Your feedback helps more small business owners discover our podcast and embark on their business growth journey. Quotable quotes from our special Grow A Small Business podcast guest: If you can't see the problem, you can't solve it—visibility is where all growth begins — Jeremy Ames Success isn't about doing more, it's about doing what matters most with clarity and intention — Jeremy Ames You don't need more money to start a business—you need a problem worth solving — Jeremy Ames
In this episode of Nurturing Financial Freedom, we dive into the implications of the newly passed federal tax bill—also known asl the “big, beautiful bill.” While the name might suggest sweeping changes, the truth is more about maintaining the status quo and preventing an expiration of key provisions from the 2017 Tax Cuts and Jobs Act. We break down what that means for retirees, investors, and anyone planning their financial future.We start with the basics. Alex explains that the bill keeps existing tax brackets intact through 2025. The seven current brackets—ranging from 10% to 37%—remain unchanged and will continue to adjust with inflation. This alone helps prevent tax hikes for most Americans. Next, we look at the standard deduction. It's staying high: $15,750 for individuals and $31,500 for married couples filing jointly in 2025. For seniors aged 65 and older, there's an added bonus—an additional $6,000 per person. That means some retired couples could deduct up to $43,500, significantly lowering their taxable income. However, this senior deduction phases out at incomes over $150,000 and disappears entirely at $250,000.Another highlight is a small but impactful update to tip and overtime tax treatment. Up to $2,500 in tips and $5,000 in overtime income will now be tax-exempt, a win for part-time workers and younger family members in service jobs. We also see an increase in the SALT (state and local tax) deduction cap—from $10,000 to $40,000—which could encourage some high earners in states like New York and California to start itemizing again.Ed takes over to unpack how this affects investments. Capital gains tax rates remain unchanged, with the familiar 0%, 15%, and 20% tiers, adjusted for inflation. The 3.8% net investment income tax—sometimes dubbed the Obamacare surcharge—still applies to higher-income earners. Importantly, the step-up in basis on inherited assets is untouched, preserving one of the most efficient methods of wealth transfer.The bill also maintains the Qualified Charitable Distribution (QCD) option, allowing those over 70½ to donate up to $100,000 directly from IRAs without increasing taxable income. Required Minimum Distributions (RMDs) still begin at age 73. We round out with a reminder on smart asset location—keeping tax-inefficient investments in tax-deferred accounts and long-term strategies in taxable accounts.While the bill doesn't overhaul the tax code, it preserves favorable conditions for most Americans, especially retirees and investors. Our advice remains: understand how these provisions impact your specific situation and reach out to a financial professional for personalized planning. You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536 Any opinions are those of Ed Lambert Alex Cabot, and Jon Gay and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. Stock Market. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190. Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management. This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members.
Bryan Kohberger pleaded guilty to murdering four University of Idaho students. During sentencing, survivors and victims' families faced him in court, including a surviving roommate who delivered powerful testimony. In an interview with Major Garrett, House Speaker Mike Johnson expressed concern over the Justice Department's handling of the Epstein case and called for full transparency and accountability. You can see more of Major Garrett's interview, along with his sharp analysis, on "The Takeout with Major Garrett," weeknights at 5 p.m. ET on CBS News 24/7. Dr. Salvador Plasencia admitted to distributing ketamine to actor Matthew Perry before his 2023 overdose. He is the fourth person to plead guilty in the case and faces up to 40 years in prison. Uterine fibroids affect up to 80% of women by age 50 and can cause painful, life-altering symptoms. Dr. Tara Shirazian joins "CBS Mornings" to discuss how diet, exercise and awareness may help. A new Charles Schwab survey finds many Americans believe they need over $800,000 to be financially comfortable, yet a third have no financial plan. CBS News business analyst Jill Schlesinger joins to explain what to do. After retiring, Erik and Karin Vonk combined their love of farming and spirits to create Richland Rum. Nearly 25 years later, their Georgia-made rum is earning high praise from critics across the globe. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
In today's podcast, I want to talk about the new One Big Beautiful Bill Act, recently passed and signed into law by the President on July 4th of this year. This legislation is significant for a couple of key reasons. First, it makes permanent one of the largest tax cuts in history—the Tax Cuts and Jobs Act (TCJA), originally passed in 2017 and previously set to expire at the end of this year. Second, the bill itself spans more than 300 pages, packed with new provisions, many of which will create planning opportunities for retirees and pre-retirees alike. To find links and resources mentioned in today's podcast, visit SoundRetirementPlanning.com and click on episode #458. The Retirement Budget Calculator is an intuitive tool that promises ease and accuracy. However, like any tool, user error could potentially lead to costly mistakes. To avoid this, let the experienced advisors at Parker Financial LLC guide you. When you hire our team, we offer a comprehensive review of your current investments, taxes, and the data in the Retirement Budget Calculator. We will ensure your plan's completeness and accuracy, helping you create an investment strategy, assist with tax planning, and monitor your plan to maximize your retirement benefits. At Parker Financial we offer a well-crafted retirement investment strategy, deeply rooted in academic data and financial science which can be the key to a prosperous retirement. Don't leave your future to chance. Take the first step towards a sound retirement. Schedule your complimentary discovery session now by visiting Parker-Financial.net let us help you make the most of your retirement years.
On today's Sharper Point Commentary, Jim Sharpe discusses the recent Bankrate poll which showed Arizona falling in the rankings to 31st in the nation for retirees. What factors could be contributing to this drop in the rankings?
Aubrey converses with Stanley Beckett, author and consultant at changecreatorsa, about retiring gracefully, bout the second part of retiring gracefully and asking yourself the four neglected questions every retiree must ask. The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.
The internet is full of financial advice. Some is good, some is great, and some downright dangerous. After nearly 17 years as a financial advisor, I've heard it all. In this episode, I'm calling out the bad advice for retirees and pre-retirees that still gets passed around today in hopes that you will plan better for retirement!I hope you enjoy it.-KevinTakeaways:The internet is full of financial advice, but not all is good.Many retirees struggle with the concept of productivity in retirement.Not all financial advice is created equal; some is driven by agendas.Paying off a mortgage can provide peace of mind, even if it seems financially disadvantageous.Social security strategies should be flexible and personalized.Roth accounts can be beneficial, especially during the Roth Conversion Window.Financial planning should consider both quantitative and qualitative factors.Are you interested in working with me 1 on 1? Click this link to fill out our Retirement Readiness QuestionnaireOr, visit my websiteConnect with me here:YouTubeJoin My Company NewsletterThis is for general education purposes only and should not be considered as tax, legal or investment advice.
Early retirees face a critical health insurance gap between retiring at 62 and Medicare eligibility at 65. Without proper planning, this three-year period can deplete savings, and late Medicare enrollment results in permanent premium penalties that follow you for life. David Bynon City: Prescott Address: 101 W Goodwin St # 2487 Website: https://trustpublishing.com
In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss the critical role of patient advocacy with Dr. Elizabeth Mizelle, founder of Palm Wellness. Drawing on her extensive background as a family medicine physician, Dr. Mizelle now serves as a health advocate for seniors and their caregivers, helping them navigate the complex world of senior healthcare. Whether it's understanding a new diagnosis, coordinating follow-up care, or finding the right resources for aging in place, her approach offers clarity and compassionate support for individuals and families alike.Listen in to learn about how a patient consultant can provide peace of mind by helping with healthcare decisions, coordinating communication with providers, and creating safe, functional home environments for aging loved ones. This episode is especially useful for those involved in retirement healthcare planning, acting as advocates for elderly parents, or seeking caregiver resources. Dr. Mizelle explains the unique difference between clinical care and advocacy, and how she supports people looking to stay home longer or adapt to life-changing diagnoses with confidence.In this episode, find out:· What patient advocacy is and how it differs from traditional clinical care· How a health advocate for seniors helps families manage new diagnoses and medical complexity· Real-life examples of how advocacy can ease transitions after hospitalization· The process of aging in place and how to safely adapt a home for long-term care· How to connect with Palm Wellness for personalized healthcare supportTweetable Quotes:“Patient advocacy helps you slow things down, understand what's happening, and make better-informed healthcare decisions.” – Radon Stancil“It's not just about treating the illness—it's about creating an environment where people can heal, live, and thrive.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit: POMWealth.net/podcast
You've done the hard work. You saved consistently, built a seven-figure portfolio, and are ready to enjoy retirement. But even millionaire retirees can make mistakes that put their plans at risk. In this episode, Devin shares the five most common retirement mistakes he sees among high-net-worth clients. These include missing long-term tax planning opportunities, underestimating healthcare and long-term care costs, failing to plan for success as well as failure, approaching income withdrawals without structure, and overpaying for financial advice. If you want to get the most out of what you've saved, this episode will help you avoid costly missteps and retire with more clarity and control. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
In this episode, host Kevin Thompson and guest Steven Jarvis, CPA, discuss the complexities and frustrations of current retirement tax rules, focusing on the Roth IRA five-year rule, Social Security taxation, and the “widow's penalty.” They highlight how outdated IRS technology and convoluted regulations create unnecessary stress for retirees. The conversation blends personal stories, professional insights, and broader reflections on workforce development and education, ultimately calling for tax reform and modernization to make retirement planning simpler, fairer, and more effective for individuals navigating today's financial landscape.Stephen Jarvis' Athletic Background (00:00:51) The Roth IRA Five-Year Rule (00:06:41) Record Keeping and Tax Complexity (00:09:19)Social Security Taxation Formula (00:12:48) Behavioral Incentives in Tax Law (00:16:30) Higher Education and Workforce Development (00:20:31)Economic Value of College Degrees (00:23:33)Philosophy, Ethics, and Self-Presentation (00:26:19)The Widow's Tax Penalty (00:31:42) National Debt and Tax Policy Complexity (00:33:02) IRS Modernization and Administrative Complexity (00:36:31)Challenges of Government System Updates (00:37:45)Podcast Wrap-Up and Closing Remarks (00:39:00)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfp Buy MLB2CFPHere: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure
(00:00) Exploring Careers at Golf Courses This chapter explores the appealing prospect of working at a golf course, especially for retirees seeking a productive yet enjoyable way to spend their time. We discuss the various roles available, from mowing fairways to managing the finer details around the course, and highlight the perks like free golf and a sense of pride in maintaining the greens. The conversation touches on the types of tasks that retirees might find rewarding, emphasizing their reliability and attention to detail. Personal anecdotes illustrate how retirees, like my father, have found fulfillment and joy in such roles, demonstrating how a part-time job at a golf course can blend work and play seamlessly. (09:44) Hiring and Training at Golf Courses This chapter addresses both job seekers and golf course operators, providing valuable insights into working at a golf course. We highlight the importance of personality and charisma for roles such as starters, who not only manage tee times but also serve as ambassadors for the club, creating memorable experiences for golfers. We share an entertaining anecdote about a former army drill sergeant turned starter, whose unique style made him unforgettable. Additionally, we emphasize the value of hiring personable marshals and player services staff who can enhance the golfing experience by assisting players and maintaining the pace of play. By prioritizing individuals with strong interpersonal skills, golf courses can foster a welcoming and engaging atmosphere that encourages repeat visits. (20:54) Enhancing Golf Course Culture This chapter explores innovative approaches to hiring and utilizing golf course employees, especially in light of regulations surrounding volunteer work and minimum wage standards. We share insights on how golf enthusiasts can engage in roles such as starters, marshals, and clubhouse staff, while enjoying the benefits of discounted or even free golf. The conversation highlights the importance of creating a welcoming culture at the golf course by employing personable and knowledgeable retirees and young professionals who interact directly with clients. Additionally, we discuss the operational efficiencies of separating the pro shop from the snack bar or restaurant, ensuring specialized and attentive service in both areas. Through these strategies, golf courses can enhance customer experiences and foster a friendly and efficient environment. (33:52) Tailoring Skills to Golf Course Roles This chapter explores the intricacies of working at a golf course and highlights the importance of matching personalities to roles within the golf industry. We emphasize that while skills are essential, a personable and affable demeanor is crucial for customer-facing positions, as golf courses are part of the entertainment business. We discuss how retirees with specific skill sets, such as math or organizational skills, can find valuable roles behind the scenes, allowing more personable employees to shine in customer interactions. Additionally, we provide insights on how individuals can approach potential employers by showcasing their unique strengths and suggesting how they can fill gaps in the existing team. We highlight the benefits of flexibility and availability, particularly for retirees, in ensuring that a golf course operates smoothly, even during less desirable hours. Ultimately, it's about creating a win-win situation for the staff, the customers, and the golf course itself. (42:53) Selling Yourself for Golf Course Jobs This chapter explores the importance of being an asset to a golf course when seeking employment. I emphasize the need for a positive attitude and a willingness to engage with people, as these are key to encouraging golfers to return, even if they experience minor irritations. We discuss how showcasing your personality and skills to a head pro can open doors, and I share the value of focusing on what you can contribute to the golf course rather than just what you can gain. The chapter highlights the social benefits of working at a golf course and encourages an approach centered on community and connection rather than self-interest.
Geoff was not in the house. But a (retired) rugby player was.Deepest thanks to Dan Hipkiss & Geordan Murphy.Back next week with your regularly scheduled program.Join the Patreon, PS! There are 13 eps of And Just Like That, so still so much left to go! Patreon.com/theyliketowatch Hosted on Acast. See acast.com/privacy for more information.
On this episode: Taxes, Social Security, and Medicare: What are the changes under the Big Beautiful Bill? We are all scared of the next stock market crash. Should we be? How can we solve the problem that scares retirees the most? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.
Take the next step in your retirement planning. Tune in to the latest episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase, where you'll hear thoughtful, real-world insights designed to help you make informed financial decisions and pursue a more confident, purposeful retirement. • Explore ways to optimize Social Security benefits, including timing strategies, spousal considerations, and personalized withdrawal approaches. • Understand common sources of retirement anxiety, even among high-net-worth individuals, and consider approaches for managing emotional and financial uncertainty. • Learn how trusts can support estate planning goals, from avoiding probate to managing real estate assets within your long-term financial plan. • Consider retirement account strategies such as the Rule of 55, Roth conversion timing, and prioritizing tax-efficient cash flow. Review your investment mix by comparing target date funds and balanced funds, and evaluate which may better align with your risk tolerance and retirement timeline. • Weigh different withdrawal strategies by comparing the timing of distributions from retirement accounts versus claiming Social Security. • Examine how 529 plans and Roth IRAs may fit into your education and retirement planning—especially if you're part of a high-income household navigating recent tax law changes. Compare the structure and features of S&P 500 mutual funds and ETFs to help determine which may be more appropriate for your investment preferences.
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The Action Academy | Millionaire Mentorship for Your Life & Business
Aaron Ameen and Charlie Cameron share how they are developing Everwood Reserve, a Residential Assisted Living project to help retirees live better during their senior years and help investors get a purpose-driven ROI.Website: www.everwoodreserve.comAaron: @aaronameenreicoachWant To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?
Top 5 Cities for Gay Retirement in UruguayProgressive laws. High safety ratings. A warm, welcoming culture. Uruguay may be South America's best-kept secret for LGBTQ+ retirement—and in this episode, we reveal the top 5 cities for gay retirees looking for affordability, inclusion, and sunshine.We explore everything from charming riverside towns like Paysandú to the chic beachside enclaves of José Ignacio, with deep dives into rent prices, cost of living, queer scenes, and legal protections. Uruguay may not have a massive gay expat community yet—but that might just be what makes it so special.
What if orange-pilling isn't persuasion—but marketing, ethics, and timing? In this episode, we sit down with Tad Smith—partner at One Roundtable Partners, former CEO of Madison Square Garden and Sotheby's, and one of bitcoin's most articulate educators—to explore the moral case for orange-pilling, and why it's not a right but a responsibility. Tad shares hard-won lessons from orange-pilling family members across generations and wealth brackets, and explains why alignment—not argument—is the key. We break down how different cohorts—from boomers to creatives—encounter bitcoin, and why effective orange-pilling starts with listening, not preaching. From bitcoin vs. college and homeownership, to AI's threat to knowledge workers, Tad lays out how bitcoin becomes not speculation, but protection—not rebellion, but insurance—not utopia, but sovereignty. SUPPORT THE PODCAST:→ Subscribe→ Leave a review→ Share the show with your friends and family→ Send us an email podcast@unchained.com→ Learn more about Unchained: https://unchained.com/?utm_source=you...→ Book a free call with a bitcoin expert: https://unchained.com/consultation?ut...TIMESTAMPS:0:00 – Intro1:10 – The moral case for orange-pilling5:47 – Why persuasion fails and alignment works10:08 – Mistakes made orange-pilling family and friends15:02 – You need an invitation to orange-pill18:48 – Cohort-based messaging: it's not religion, it's marketing23:27 – Orange-pilling high-net-worth individuals28:12 – Retirees, boomers, and fear of complexity31:40 – Tech-savvy, libertarian, and progressive angles35:20 – Why creatives matter: expression, ownership, and ordinals38:47 – College vs bitcoin: a post-AI investment dilemma44:02 – Should you buy a house or stack more bitcoin?49:55 – Narrative shapes price: the Marian Antoinette necklace lesson53:10 – What bitcoin really is: protection, insurance, sovereignty57:35 – How to orange-pill with respect and precisionWHERE TO FOLLOW US:→ Unchained X: / unchained → Unchained Linkedin: / unchainedcom → Unchained Newsletter: https://unchained.com/newsletter
Kylie is not just like us with her insanely expensive bikini, Sofia Vergara's Statue has people talking and would we be friends with Jordon Hudson. Also Retirees also hate Mondays. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
As inflation and housing costs rise across the U.S., a growing number of retirees are looking beyond the border for a more affordable lifestyle. We speak with a couple enjoying their retirement in Ecuador, and a longtime expat who made the move more than two decades ago. Learn More: https://viewpointsradio.org/why-more-retirees-are-choosing-this-option Learn more about your ad choices. Visit megaphone.fm/adchoices
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
From Compliance to Strategy: How Smart Business Owners Build Long-Term Success | Christopher Papin The Entreprenudist Podcast https://entreprenudist.com Episode with Christopher Papin, Owner of Papin CPA In this insightful interview, Christopher Papin breaks down how business owners can shift from basic compliance to strategic, long-term planning by leveraging the power of advisory services, financial insight, and legal integration.
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
Skip Wilson: The Secret to Scalable Advertising Execution Without Tech Overload The Entreprenudist Podcast https://entreprenudist.com On this episode of The Entreprenudist Podcast, we sit down with Skip Wilson, CEO of DRAFT Media Partners, to discuss why empathy and operational excellence—not just technology—are the real engines of sustainable success in advertising. With 100+ clients across four locations, Skip shares exactly how his team builds systems that scale, deliver measurable results, and keep humans—not just tools—at the center of every campaign.
Avoid These 7 Common Retirement Mistakes: https://bit.ly/44qe4ZY What if dementia is already creeping into your daily life and you don't even know it? In today's video, we unpack the early warning signs of dementia and share how subtle forgetfulness or daily confusion could actually be dangerous red flags. Based on personal experience with a loved one and backed by research from the Alzheimer's Association, this powerful episode explores what to watch for, how to protect your brain health, and the lifestyle shifts that can help you stay sharp, independent, and thriving in retirement. Whether it's memory loss, poor judgment, mood swings, or isolation, these signs matter. Retirement isn't just about rest, it's about responsibility... especially when it comes to your mind. Stay alert, stay engaged, and stay connected to avoid decline and defend your brain during your discovery years. #retirement_transformed #retirementcouple #retirement BUY MARK'S BOOK! The Evolving Man: Life Virtues Men Don't Talk About USEFUL FINANCIAL TOOLS https://geni.us/new_retirement Use this link for a FREE 14 Day Trial! [Get the FREE Downsizing Guide] How to prepare to downsize your home CONNECT: Engage in our Free Facebook Community ✔️ Facebook: https://www.facebook.com/retirementtransformed ✔️ Instagram: https://www.instagram.com/retirementtransformed ✔️ LinkedIn: https://www.linkedin.com/company/retirementtransformed ✔️ Amazon Shop: https://www.amazon.com/shop/retirementtransformed ABOUT RETIREMENT TRANSFORMED Husband and wife duo, Mark & Jody Rollins, inspire and serve as personal guides to meaningful, transformational journeys for individuals who are planning for, going through or are living in retirement. This is everything in retirement beyond your financial plan. We are not financial advisors or medical experts. Any advice we give is our own and should not be taken as professional advice. This video is for informational and entertainment purposes only. Please seek professional assistance before making any financial decisions or changes that can affect your physical or mental health. FTC: Some links mentioned above may be affiliate links, which means we earn a small commission if you buy a product from the specific link. This video is not sponsored. All Content and video segments are the copyright and owned by ©Retirement Transformed and cannot be used without permission.
I've never been more physically mangled in a podcast episode. We invited former WWE wrestler Sledgehammer onto other show and they taught me a few moves (without much respect or bodily awareness). Perhaps this is why the Sledgehammer has retired and now tends to their succulent shop. We learn about their journey from early wrestling days and we pick up a few tips from this green thumb. To follow Sledgehammer's unique journey and stay updated on their succulent shop and upcoming shows, find them on Instagram @stevieshale. Cam is also performing his solo show, Just To Be Close To You, throughout July and August all over the world. You can catch his tour dates at his link in bio on Instagram @camoncam69. Get close with us! Follow Sex Talk With My Mom (@sextalkwithmymom), Cam Poter (@camoncam69), and KarenLee Poter (@karenleepoter) on Instagram, YouTube, and TikTok! #SexTalkWithMyMom #StevieShale #Sledgehammer #WWE #WWF #Succulents #Greenhouse #Greenthumb #Plants #Clowns #Comedy #CamPoter #KarenLeePoter #FunnyPodcast Chapters 0:00 - Intro 02:45 - Meet Retired WWE Wrestler “Sledgehammer” 04:00 - Sledgehammer's Transition to Succulent Shop Owner 10:11 - Game Segment: "Succulent or Wrestler" 20:34 - Discussion on the Reality of Wrestling 22:25 - Sledgehammer Teaches Cam Some Moves 30:55 - Game Segment: "Beefin' or Queefin'" 34:36 - Wrap Up and Upcoming Shows Please support our show and get discounts on our favorite brands by using our sponsors' links at sneakypod.com! FLESHLIGHT – Our sponsor, FLESHLIGHT, can help you reach new heights with your self-pleasure. FLESHLIGHT is the #1 selling male sex toy in the world. Looking for your next pocket pal? Save 10% on your next fleshlight with Promo Code: SNEAKY at fleshlight.com. ❣️You can view many of our full episodes in video form by going to our YouTube channel. Join our sparkling new Sneaky Freak chatroom on Discord! Just visit: https://discord.gg/jJZqkUw3dV. To gain exclusive access to all our Discord channels, join us at Patreon.com/sextalkwithmymom. If you've enjoyed the show, please consider leaving us a review at RateThisPodcast.com/Mom. Also, it would mean the world if you'd support us through Patreon.com/sextalkwithmymom – a platform where you can get exclusive STWMM bonus episodes and Zoom chats with us! Grab some Sex Talk w/ My Mom swag at sextalkwithmymom.com. Get close with us on socials at: Text us - 310-356-3920 Facebook/Instagram - @SexTalkWithMyMom Twitter - @SexTalkWMyMom Website - www.SexTalkWithMyMom.com Our podcast's music was crafted by the wildly talented Freddy Avis! Check out his work at http://www.freddyavismusic.com/ Sex Talk With My Mom is a proud member of Pleasure Podcasts, a podcast collective revolutionizing the conversation around sex. Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down five key types of investments you should understand before retiring. They explore the roles of stocks, bonds, real estate, annuities, and cash equivalents in building a resilient retirement portfolio. Jim and Casey explain how each investment works, the risks and rewards involved, and how to align them with your goals. Whether you're a conservative investor or willing to take on more risk, this episode helps you make more informed financial decisions as you approach retirement. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Welcome and Introduction 00:35 Why Knowing Your Investments Matters 01:22 #1: Stocks – Growth and Volatility 03:30 #2: Bonds – Income and Stability 05:45 #3: Real Estate – Passive Income and Property Ownership 08:21 #4: Annuities – Predictable Income with Caveats 10:55 #5: Cash and Cash Equivalents – Liquidity and Safety 12:48 Diversification and Building a Balanced Strategy 14:06 Final Thoughts and Recap 15:22 How to Learn More and Get in Touch Disclaimer: Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.