Podcasts about retirement services

Understanding State of Michigan Retirement Benefits: Pension vs. Defined Contribution and Health Care Options If you work for the State of Michigan, your retirement benefits can feel like a maze. Hire dates matter. Plan elections matter. Even health care decisions from years ago still matter today. In this episode of Kitchen Table Finance, Nick and Dave sit down at the table to break it all down in practical, everyday language. We walk through how to figure out what plan you are in, what your options mean, and how to think about retirement income and health care with clarity and confidence. If you have ever looked at your benefits statement and thought, where do I even start, this conversation is for you. Watch the full episode HERE. How to Determine Which Retirement Plan You Are In The first step is understanding your hire date and whether you made any elections when changes were introduced in 1997 and 2011. The three primary categories are: Defined Benefit Pension Plan Defined Contribution with Subsidized Retiree Insurance Defined Contribution with Personal Health Care Fund Nick and Dave walk through how these plans evolved over time and why your employment history determines which system you fall into. When in doubt, the Michigan Office of Retirement Services can confirm your status. Defined Benefit Pension Plan Explained A defined benefit plan provides a lifetime monthly income based on a formula. Your pension is typically calculated using: Final average compensation Pension multiplier Years of service You do not manage investments inside the pension. The State assumes the investment risk, and you receive a steady payment for life. We also discuss spousal election options, how benefits are reduced based on survivor coverage, and how to think through those decisions as part of a broader retirement plan. Defined Contribution Plan Overview A defined contribution plan works more like a 401k. You contribute a percentage of your salary, and the State provides a match. The structure generally includes: 4 percent automatic State contribution 100 percent match on up to 3 percent employee contribution From there, your retirement outcome depends on contributions, investment performance, and distribution strategy. We also cover: Traditional vs. Roth 401k contributions The 457 plan and its early withdrawal flexibility In plan Roth conversions Investment options through Voya The self directed brokerage window through Schwab Vesting Rules You Need to Know For pension participants, full vesting typically requires: Age 60 with 10 years of service Or age 55 with 30 years of service For defined contribution participants: Your contributions are always 100 percent vested Employer contributions vest 50 percent after 2 years 75 percent after 3 years 100 percent after 4 years Understanding vesting is critical if you are considering a career change before retirement. Retiree Health Care: What Changes in Retirement Health care is one of the biggest retirement stress points, especially for those retiring before Medicare. There are two primary paths: Subsidized Retiree Insurance The State continues to offer coverage in retirement and pays a percentage of your premiums based on your service years. This provides guaranteed coverage and predictable cost sharing, which can bring peace of mind for many retirees. Personal Health Care Fund Instead of subsidized insurance, the State contributes additional money into your defined contribution account. You are responsible for securing your own coverage, whether through: The health care marketplace before age 65 Medicare and supplemental coverage after age 65 We discuss why health insurance planning today is more flexible than it was 15 years ago and how proper planning can reduce the stress around this decision. Key Takeaways from This Episode Your hire date drives your retirement structure Pension and defined contribution plans operate very differently Health care decisions significantly impact retirement cash flow Early retirement requires careful coordination of 401k and 457 rules Working with a fiduciary planner can help you avoid costly mistakes State of Michigan retirement benefits are complex, but they are manageable with the right guidance and a clear strategy. If you would like help understanding how your benefits fit into your overall retirement plan, we are here to help. Contact SRB today at 517-321-4832 or email us at info@srbadvisors.com.Don't forget to subscribe to our channel for more bite-sized financial and retirement tips. Other Podcasts Referenced in This Episode S5E3 – MSU Retirement Plans Explained S4E19 – Does your Retirement Plan Need a ROTH? Medicare Planning with Justine Bell from Benny Guides  

In this episode of The Impostor Syndrome Files, we talk about where confidence comes from. My guest this week is Jennifer Sahady, a personal finance expert, speaker and passionate advocate for financial literacy and gender equity. In a field that hasn't always welcomed women or fresh perspectives, Jennifer shares how she's charted her own path by focusing on service, curiosity and the quiet power of believing that her voice matters too.We talk about why so many of us wait to speak up until we feel like an “expert,” and how that silence can cost others the benefit of our unique insights. Jennifer shares how she's navigated self-doubt in male-dominated spaces, and why imperfect action is a courageous step toward change. We also explore the importance of mental space, daily reflection and surrounding yourself with people who energize rather than drain you.About My GuestJennifer is an accomplished public speaker and expert in personal finance. She delivers memorable and impactful presentations customizing her financial wellness message to a wide variety of audiences from high school students to executives. Jennifer has delivered presentations at Fortune 500 Companies including jetBlue, Barclays and Sony. Jennifer is a 2025 PLANADVISER Emerging Leader Winner, a 2025 NAPA Woman of Excellence Winner and has won the RAC Award with her clients in 2025 and 2024. Jennifer was a featured TEDx speaker on Money and Relationships. Jennifer has spoken at the Bryant Woman's Summit three times. Jennifer has spoken at the Providence and Worcester Chamber of Commerce. Jennifer is currently a Senior Financial Wellness Consultant on MMA's Retirement Services team and a small business owner. Jennifer graduated Summa Cum Laude from Bryant University and has an extensive background in financial education. Jennifer holds the FINRA Series 7, 63 and 66 licenses as well as the CFP, CPFA, CRPC and AIF. ~Connect with Jennifer:YouTube: https://youtu.be/CGttIHnfBbE?si=qfOIoFOWmFVkPwKz LinkedIn: https://www.linkedin.com/in/jennifer-sahady ~Connect with Kim and The Impostor Syndrome Files:Join the free Impostor Syndrome Challenge:https://www.kimmeninger.com/challengeLearn more about the Leading Humans discussion group:https://www.kimmeninger.com/leadinghumansgroupJoin the Slack channel to learn from, connect with and support other professionals: https://forms.gle/Ts4Vg4Nx4HDnTVUC6Join the Facebook group:https://www.facebook.com/groups/leadinghumansSchedule time to speak with Kim Meninger directly about your questions/challenges: https://bookme.name/ExecCareer/strategy-sessionConnect on LinkedIn:https://www.linkedin.com/in/kimmeninger/Website:https://kimmeninger.com

Send us a textWant to Learn More about 401K's?  I did.Episode 136 discusses 401K Strategies for Business Owners with Matt Ruttenberg. Matt is a 401(k) Expert, Teaching entrepreneurs to transform their retirement plan stack into a powerful tool used to reduce taxes well into the six digits, as opposed to simply an employee benefit. As a Co-owner and Business Development Officer at Life, Inc. Retirement Services, Matt is passionate about helping businesses navigate the complexities of the retirement plan space with confidence and clarity.  With a proven track record in business development and a deep understanding of the 401k industry, he is committed to empowering their clients to achieve their financial goals and secure their futures. Episode Benefits:  You can expect to gain actionable insights and strategies to get real actionable takeaways, not just financial theories for your 401K Plan. This Podcast series is targeted to Business Owners and C-Suite Executives.  It reflects my 34 years as a Business Owner and subsequent years as a Business Mentor and Consultant.  It focuses on the various subjects and topics to help you run a successful profitable business.  They are approximately 15-minutes long so you can listen while commuting.      Reach out to me to be put in contact with Matt.   The Business of Business topics are divided into 5 Categories: Management, Operations, Sales, Financial, and Personal. Support the showHelping You Run a Successful Profitable Business ! For Business Mentoring, Consulting, Schedule a Speaking Engagement, Help you with a Podcast, or to be a Podcast Guest - Contact me at: www.bcforg.com LinkedIn: https://www.linkedin.com/in/brian-fisher-72174413/

Want the inside scoop about the U.S. Army Soldier for Life program and the Army Retirement Services Office? And why the Soldier for Life Mindset is so important? On this week's all new #SoldierForLifePodcast episode, COL Samantha Frazier (the Director of the Soldier for Life Program) and Maria Bentinck (the Director of Army Retirement Services) give you the 411 about our two programs that share an office space, social media platforms, a website, and a passion for taking care of our Soldiers for Life and promoting the Soldier for Life Mindset!

In this strategic episode, Matt Ruttenberg, Co-Owner of Life, Inc. Retirement Services, shares how to customize retirement plans to slash taxes and favor founders. If you struggle with one-size-fits-all 401ks that hurt your bottom line, you won't want to miss it.You will discover:- How to stack cash balance plans with 401ks for massive deductions- Why founder-centric designs beat employee-focused defaults- What deadlines let you backdate 2025 contributions until 2026This episode is ideal for for Founders, Owners, and CEOs in stage 5 of The Founder's Evolution. Not sure which stage you're in? Find out for free in less than 10 minutes at https://www.scalearchitects.com/founders/quizMatt is a 401(k) expert who partners with driven entrepreneurs and business leaders to design custom retirement plan stacks that reduce taxes and boost financial freedom. With 20+ years in the industry, he's on a mission to replace one-size-fits-all plans with strategic tools that actually work for the people building the business.Want to learn more about Matt Ruttenberg's work at Life, Inc. Retirement Services? Check out his website at https://lifeincrs.com/Mentioned in this episode:Take the Founder's Evolution Quiz TodayIf you're a Founder, business owner, or CEO who feels overworked by the business you lead and underwhelmed by the results, you're doing it wrong. Succeeding as a founder all comes down to doing the right one or two things right now. Take the quiz today at foundersquiz.com, and in just ten questions, you can figure out what stage you are in, so you can focus on what is going to work and say goodbye to everything else.Founder's Quiz

Barbara Van Zomeren is head of government relations at Ascensus and Michael Kreps chairs the Groom Law Group's Retirement Services practice. In this episode, Barbara and Michael share their insights about Trump accounts - the new childhood savings vehicles offering $1,000 government contributions for eligible newborns. They will explain eligibility and contribution rules, address administrative and operational challenges, consider how this new savings account fits with other existing savings options, and contemplate how these accounts might help transform how America approaches savings, wealth building, and financial security. Ascensus and the Groom Law Group are general supporters of the Center for Retirement Initiatives. The views and opinions expressed in this podcast are the views of the guests and do not reflect any policy or position of the Center for Retirement Initiatives.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode Summary: As your practice grows and profits increase, one of the most powerful tax and retirement planning tools available to optometry practice owners is profit sharing within your 401(k) plan. But what exactly is profit sharing, and how can you optimize it for both you and your employees?In this episode, Evon welcomes back Matt Ruttenberg of Life Inc. Retirement Services to break down everything optometrists need to know about profit sharing contributions. They discuss how profit sharing works, the different methods of calculating contributions, and how practice owners can use this strategy to maximize retirement savings while managing taxes.Whether you're new to 401(k) plans or you're ready to level up your retirement savings strategy, this conversation will give you clarity on how to align your plan design with your goals.What You'll Learn in This Episode:What profit sharing in a 401(k) plan actually is and why it matters for practice ownersThe “three-tier wedding cake” framework of retirement plan contributionsDifferent methods of profit sharing:Pro Rata (the simple but costly method)New Comparability (targeted, strategic contributions that benefit owners most)How factors like employee demographics, age, and owner wages impact profit sharing efficiencyWhy your Safe Harbor match choice (match vs. non-elective) matters when layering on profit sharingHow profit sharing integrates with cash balance plans to supercharge retirement savingsKey deadlines practice owners need to keep in mind before year-endResources & Links:Learn more about Matt Ruttenberg and his team: 401k.expertThe Optometry Money Podcast Ep 111: 2024 Mid-Year Retirement Plan Updates and Deadlines Practice Owners Need to Know with Matt RuttenbergThe Optometry Money Podcast Ep 64: How to Invest Six Digits A Year Into Your Practice Retirement Plans with Matt RuttenbergThe Optometry Money Podcast Ep 63: Choosing A Retirement Plan for Your Optometry Practice with Matt RuttenbergWork With Us: Thinking about working with a financial planning firm that specializes in optometry? At Optometry Wealth Advisors, we help ODs nationwide align their practice and personal finances for growth, tax efficiency, and long-term wealth.

Are AI bank feeds helping—or just creating more work? Blake and David unpack Intuit's missteps, why “use AI to make the rules” matters, and how a no‑code agent now posts multi‑line bills to Xero. They demo Excel's new "copilot()" function, share how FP&A roles are shifting, and hit headlines from Barstool's lawsuit to tariffs and Gusto's Guideline deal. You'll leave with practical ways to deploy AI, avoid hidden risks, and boost margins.SponsorsOnPay - http://accountingpodcast.promo/onpay TeamUp - http://accountingpodcast.promo/teamupDigits - http://accountingpodcast.promo/digitsChapters(00:43) - Planning with AI (02:03) - The Threat of AI to Consultants (04:41) - AI in QuickBooks: A Double-Edged Sword (06:19) - AI's Limitations and Future in Accounting (27:02) - Excel's New AI Copilot (28:22) - Introducing the Copilot Function in Excel (33:50) - AI in the Workplace: Challenges and Opportunities (37:44) - Barstool Sports vs. Omega Accounting Solutions (41:29) - New Tariff Policies and Their Impact (53:45) - Gusto Acquires Guideline for Retirement Services (54:26) - Conclusion and CPE Information  Show NotesBring AI to your formulas with the COPILOT function in Excel https://techcommunity.microsoft.com/blog/microsoft365insiderblog/bring-ai-to-your-formulas-with-the-copilot-function-in-excel/4443487FP&A pros anticipate AI-driven headcount reductions https://www.accountingtoday.com/news/fp-a-pros-anticipate-ai-driven-headcount-reductionsPresident Trump Ends Unfair "De Minimis" Tariff Exemption, A Major Victory in Securing the Homeland https://www.dhs.gov/news/2025/07/31/president-trump-ends-unfair-de-minimis-tariff-exemption-major-victory-securingFact Sheet: President Donald J. Trump is Protecting the United States' National Security and Economy by Suspending the De Minimis Exemption for Commercial Shipments Globally https://www.whitehouse.gov/fact-sheets/2025/07/fact-sheet-president-donald-j-trump-is-protecting-the-united-states-national-security-and-economy-by-suspending-the-de-minimis-exemption-for-commercial-shipments-globally/Barstool Sports Sues Accounting Firm Over Unpaid Advertising Bills https://www.sportico.com/law/analysis/2025/barstool-omega-accounting-solutions-advertising-lawsuit-1234868719/Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifiedsWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

Want to keep more of what you earn and build long-term security for yourself and your team? Retirement planning may sound overwhelming — but with the right strategy, it can reduce your taxes, attract better employees, and set you up for the future. In this episode, I talk with Matt Ruttenberg, co-owner and Director of Business Development at Life, Inc. Retirement Services. Matt helps businesses, including bars and restaurants, figure out how to set up retirement plans that actually work for them. In today's episode:Why IRAs aren't always the best choice for bar ownersWhat makes a 401(k) more flexible — and how it can save you moneyThe tax credits that are available right now (they can be big!) How you can set rules around who qualifies — so you're not giving money to short-term staff What to expect when you set one up (it doesn't take as long as you think) Listen now and take the guesswork out of retirement planning for good. Learn more about Life, Inc. Retirement Services Life, Inc. Retirement Services WebsiteLearn More:Schedule a Strategy SessionBar Business Nation Facebook GroupThe Bar Business Podcast WebsiteChris' Book 'How to Make Top-Shelf Profits in the Bar Business'Thank you to our show sponsors, SpotOn and Starfish. SpotOn's modern, cloud-based POS system allows bars to increase team productivity and provides the reporting you need to make smart financial decisions. Starfish works with your bookkeeping software using AI to help you make data-driven decisions and maximize your profits while giving you benchmarking data to understand how you compare to the industry at large. **We are a SpotOn affiliate and earn commissions from the link above. A podcast for bar, pub, tavern, nightclub, and restaurant owners, managers, and hospitality professionals, covering essential topics like bar inventory, marketing strategies, restaurant financials, and hospitality profits to help increase bar profits and overall success in the hospitality industry.

Cultivating Presence in Pivots   Episode #154   Welcome back to The Creative Soulpreneur podcast! On today's episode, we have the pleasure of hosting an inspiring duo, Theresa and Ivana. Host Nick introduces us to this dynamic pair, who recently embarked on a powerful journey of personal and professional pivots. Discover how they initially met Nick at a financial services event and how it led them to unpack deep conversations about vulnerability, authenticity, and the multiple layers of pivoting in life. Theresa and Ivana dive into their own experiences, discussing how life's unexpected challenges forced them to pivot and how these shifts have led to new opportunities and a deeper sense of purpose. Learn about the profound impact of Theresa's battle with breast cancer and Ivana's resilience in overcoming PTSD from her experiences growing up in Eastern Europe. Throughout this episode, our guests explore the concept of embracing change, navigating through discomfort, and finding grace within themselves during transitions. They reveal how they support one another and others in their industry to step into their own pivots with courage and intention. Tune in to hear more about their podcast, "Step Into the Pivot," Theresa's upcoming keynote speeches and book plans, and Ivana's exciting retreat offerings. This episode is brimming with insights, heartfelt stories, and practical advice on how to turn any sour lemons life hands you into something beautifully transformative.   Takeaways:   Embrace the Layers of Pivoting: Theresa and Ivana shared how each pivot goes beyond the surface. It starts physically (like changing jobs or managing health), extends to emotional adjustments, and dives deep into spiritual reflections about who we are and what we want.   Give Yourself Grace: Theresa emphasized the importance of allowing yourself the time and space to navigate a pivot. Whether it's selling a business after decades or facing an unexpected layoff, grace is crucial for making thoughtful and impactful decisions.   Transform Challenges into Opportunities: Ivana highlighted that even the toughest situations (like dealing with PTSD from past trauma) can be catalysts for growth. By being present and nurturing self-awareness, you can turn sour lemons into nourishing lemonade, or even vegan ice cream!

Have you ever wondered what it takes to make the leap from a conventional career to a fulfilling entrepreneurial journey? Glenn Harper and Julie Smith sit down with Matt Ruttenberg, co-owner of Business Development of Life Inc. Retirement Services, to unravel his path from Ohio to Hawaii. You'll hear about his transition from the traditional financial services industry to creating meaningful retirement solutions for clients. Discover how Matt managed to blend his passion for helping others with his entrepreneurial spirit to build a flourishing business. This is an inspiring conversation filled with actionable insights and dynamic twists that could alter the way you think about your entrepreneurial journey. The end might just stop you in your tracks.Top Empowering TakeawaysEntrepreneurial Journey: Matt's entrepreneurial journey shows the importance of discovering what truly interests you and pivoting when necessary. He shifted from traditional financial services to providing more specialized retirement plan services.Mentorship and Family Influence: Matt's background in a finance-savvy family and mentorship from his father played a significant role in molding his career path. His father's work ethic and approach influenced Matt's decision to become an entrepreneur.Adaptability and Patience: Matt emphasizes the importance of patience and adaptability. Entrepreneurs need to be prepared to take a long journey, understanding that initial steps might lead to unexpected but valuable opportunities.Collaboration and Team Building: To scale and excel in business, especially in providing specialized services like 401(k) plans, building a knowledgeable and strong team is essential. Matt moved from working independently to partnering with a team to leverage their collective expertise.Client-Centered Approach: The focus on understanding the client's specific needs, whether for tax saving or providing value to employees, is essential in the retirement plan services business. Tailoring plans to meet these specific needs makes a big difference.Geographical Flexibility: Matt transitioned from different locations like Ohio, Florida, and eventually Hawaii, showing that geographical flexibility can play a role in pursuing entrepreneurial dreams and exploring new opportunities.Real Estate Investment: Matt's real estate ventures with his brother and cousin during college highlight the potential of real estate as a secondary business avenue for entrepreneurs.Importance of Networking: Matt's involvement in financial media networks and conferences underscores the importance of networking in fostering professional growth and staying updated with industry trends.Family Support: Having a supportive spouse who understands and encourages the entrepreneurial journey can significantly impact an entrepreneur's success. Matt credits his wife's support as pivotal in his journey.Continuous Learning and Evolution: The concept of continuous improvement and evolution in career and business decisions is vital. Matt's path shows the need to keep learning, adapting, and re-strategizing to find the most fulfilling and successful role.This episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing.

Abe discusses essential year-end financial strategies for retirement planning. He emphasizes the importance of taking required minimum distributions (RMDs), conducting year-end portfolio reviews, and reassessing insurance policies. Ready to get a second look at your retirement plan? Visit TheRetirementKey.com today!See omnystudio.com/listener for privacy information.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Matt Ruttenberg of Life Inc., Retirement Services joins the podcast for a mid-year review of 2024 updates for 401(k) plans and late-year deadlines optometry practice owners need to know. They dive into soon-to-be required auto-enrollment, deadlines to open a safe harbor 401(k) plan for 2024, profit sharing deadlines, submitting 5500 for solo 401(k) plans, and more!Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at podcast@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:The Optometry Money Podcast Ep 40: The Optometrist's Guide to The SECURE Act 2.0The Optometry Money Podcast Ep 89: 2024 Financial Updates Optometrists Need to KnowThe Optometry Money Podcast Ep 63: Choosing A Retirement Plan for Your Optometry PracticeThe Optometry Money Podcast Ep 64: How to Invest Six Digits A Year Into Your Practice Retirement Plans with Matt RuttenbergLife, Inc. Learning CenterThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Mark Overberg spent 22 years in the Army and after a brief tenure with the Small Business Administration, returned as a civilian working with U.S. Army Retirement Services, the last 8+ years as its director. In today's episode, we talk about getting ready to leave the service, the things about which one should be thinking, and the resources available, including those at www.soldierforlife.army.mil/retirement. Mark's LinkedIn profile is available at https://www.linkedin.com/in/mark-overberg/ --- Support this podcast: https://podcasters.spotify.com/pod/show/tom-welsh/support

Scott welcomed back Anthony Nizzi to the podcast studio to discuss behavioral finance.The conversation delved into various biases that can impact decision-making in financial planning and highlighted the importance of understanding these biases to better serve our clients.In this episode you will learn the following:Biases such as anchor bias, ambiguity aversion, myopic loss aversion, and herding bias, and explain how these biases influence decision-making in investments.Anthony shares examples and stories to illustrate these biases, emphasizing the importance of working with a financial advisor to make rational decisions based on long-term goals.He recommends "The Behavioral Investor" book and highlights his accreditation as a behavioral finance professional from the College for Financial Planning.Anthony provides his contact information for further inquiries and encourages listeners to subscribe, like, share, and leave feedback on the podcast.Anthony is responsible for developing and executing sales strategies with Guaranty's key partners as well as crafting simplified sales concepts for our financial representatives. In 2022 Anthony earned his Accredited Behavioral Finance Professional Designation from the College for Financial Planning. This unique program is devoted to understanding the nature and role psychological biases and emotions play in the decision-making process in an uncertain environment. Through this program Anthony has learned how to help financial advisors recognize these behaviors in themselves and their clients and provide solutions to mitigate client financial behaviors. Anthony earned his bachelor's degree in Business Administration from AIB College of Business, holds FINRA Series 6, 63, and 26 licenses as well as Iowa Life & Health Insurance Licenses.Connect with Scott on LinkedInConnect with Anthony  on LinkedInFor more on The Optimized Advisor Podcast click here  Follow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Meet MattI am a 401k (retirement plan) expert and education business owners, accountants, bookkeepers, etc. on the vast retirement plan space.I am the CMO/Co-Owner of Life, Inc. Retirement Services, an independent 401k administration company building custom retirement plans for small and mid-sized business.I am also the Founder of SureLI Insurance, and online insurance agency focused on serving the Financial Independent Community.Connect with Matt

#BRNAM #1678 | Staying Ahead of the Curve:Meeting the Threat of Fraud in the Financial & Retirement Services Industries Head On | Tim Rouse, Executive Director, The Spark Institute,  Russell Anderson, CFE, Head of Financial Crimes Services, LIMRA &  Pat Kinsel, Founder & CEO, Proof   | #Tunein: broadcastretirementnetwork.com #JustTheFacts | For more information visit https://www.sparkinstitute.org

Give your career that extra push and improve your performance with tips from our guest, Terri Fiedler, President of Retirement Services at Corebridge Financial. Terri, an accomplished professional in the financial services industry, shares her journey from a nutrition degree to her current role. Follow along as she enlightens us with her unexpected journey from nutrition to finances, proving that overcoming challenges is all part of the game. We'll also delve into the crucial role of collaboration, the advantage of diverse skill sets within teams, and why self-awareness is key. To all you go-getters out there, Terri's candid advice on seeking unfiltered feedback and cultivating professional relationships will resonate with you. In this episode, you will be able to: Elevate your performance by seeking valuable feedback. Expand your career horizons by building a powerful professional network. Master the art of goal-setting and turn failures into stepping stones. Join us, and let's discover together the power of resilience, the joy of lifelong learning, and the importance of fostering a supportive professional tribe around you. For full show notes including how to get in touch with our special guest, visit our website.

Tune in to hear April McDaniel of Kopsa Otte CPAs + Advisors unveil crucial tax season secrets, from decoding the intricacies of deductions for beauty industry professionals to demystifying the ever-changing meal rules. Don't miss this episode if you want to ensure you're not overlooking vital information that could save you money and headaches during tax season!*This is not financial, legal, or tax adviseFollow/subscribe to be the first to know when new episodes are released. Like what you hear? Leave us a review!KEY TAKEAWAYS:April started off as a private sector auditor before working with Kopsa Otte helping the beauty industry with their taxes!If you are a suite owner, you are a business owner and must look at taxes differently than an employee.Service Sales vs Retail Sales are going to be your source of income.Keep your receipts, write down, in detail, why it is a business-related expense, and take a picture of the receipt and save it in a Google Drive file! The IRS says that your credit card statement is not sufficient; they want to see itemized receipts.Meal rules change every year, so make sure to talk to your accountant to understand the new rules for deducting meals.Personal car use is only a business expense when you use it explicitly for business purposes...driving to and from work does not apply. Get QuickBooks and learn it; it will make your life amazing.Solopreneurs and salon owners have a better argument for the home office deduction, but you must document it by keeping a calendar that shows the time you spent in the office. S-Corps, not so much.Car Deductions: it has to be primarily used for business purposes and your commute to and from work does not count as a business purpose, technically.Meals at super expensive restaurants could be seen as research on your part into hospitality and customer service, but you must document the service on your receipt when you store it. Otherwise, it could look sketchy....basically, meals are not easily deductible and you do not get 10%Tips are income, and you have to claim all of that income. Venmo is a paper trail, and they will report you to the IRS eventually, so stay apprised of all updates and start claiming your tips now!TIPS: the Govt can assume you make 10-15% in tips of your total revenue. So, if you are not claiming your tips at all, then you could be due to pay back taxes and penalties. VENMO and ZELLE have systems to identify your transactions, so do not think that using those platforms and not claiming tips is safe.

How do you maximize the retirement plans in your optometry practice? Profit and cash flow are growing, your taxable income is growing. How do you put potentially $100,000 or more into your retirement accounts?Matt Ruttenberg of Life, Inc. Retirement Services joins Evon once again for Part 2 to talk about how to use the different layers and features of retirement plans to their fullest potential. They dive into:The three layers of retirement plan opportunitiesDifferent methods of profit sharing contributions in your 401(k)How a cash balance pension plan works and which optometrists are a good fitA key tax planning window before exiting or selling your optometry practiceHow different business entities under the same ownership impact your retirement plansHave questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:The Optometry Money Podcast Ep. 63: Choosing a Retirement Plan For Your Optometry Practice with Matt RuttenbergLife, Inc. Retirement ServicesLife, Inc. Tax Credit CalculatorRetirement Plan EvaluatorEmail: matt.ruttenberg@lifeincrs.comGet your FREE financial health assessmentThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

What's the right retirement plan for your private optometry practice? Matt Ruttenberg of Life, Inc. Retirement Services joins Evon to talk all about choosing the right retirement plan for your practice. They dive into:IRA-based retirement plans, like SEP IRA and SIMPLE IRA plansSafe Harbor and Traditional 401(k) plansQuestions to ask to choose the right plan for your practiceUpdates from the recent SECURE Act 2.0 Important enhancements to tax credits for starting retirement plans in your optometry practiceUltimately, you need to look at your own circumstances, cash flow, and your goals for the plan, and make the decision that works best for you. Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:Life, Inc. Retirement ServicesLife, Inc. Tax Credit CalculatorRetirement Plan EvaluatorThe Optometry Money Podcast Ep. 40: The Optometrist's Guide to SECURE Act 2.0 The Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

In this quick hit episode, we'll cover why SECURE 2.0 was created, what the impact will mean for your organization + your people, what deadlines are approaching, and what employers should be thinking about now to implement in the future. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, accounting, legal or tax advice. Any tax advice contained herein is of a general nature. You should seek specific advice from your tax professional before pursuing any idea contemplated herein.Music By: Colin Cross Music

What Retirement Plan Options Are Available For My Business in 2023? In this episode of the Small Business Tax Savings Podcast, Mike interviews Matt Ruttenberg from Life Inc. Retirement Services about retirement plan options available for small businesses in 2023.Matt dives into the different types of retirement plans available for business owners, including traditional IRAs, ROTH IRAs, SEP IRAs, Solo 401Ks, Simple IRAs, and the new Starter 401K coming out in 2014. Tune in now as Matt discusses the importance of saving money on taxes and creating a secure future for themselves and their employees![00:30] Retirement Plan Options For Small Business OwnersToday's episode is all about retirement plan options that are available for your business in 2023Mike interviews Matt Rutenberg, the CMO at Life, Inc. Retirement Services[09:00] Maximize Retirement Savings with SEP IRA, Solo 401K, and Simple IRA OptionsThe goal of a retirement plan is to save money on taxes or recruit/retrain employeesTraditional IRA and ROTH IRA available for personal retirement savingsSEP IRA option for solo business owners with employer contributions up to $66, 000He hints that ROTH contributions may be allowed into SEP IRAs[12:30] Exploring Retirement Options For Business OwnersSEP IRA has a maximum contribution of $25, 000Solo 401K is a better option as it allows for an additional employee contribution of $22, 500 in 2023Traditional IRA and ROTH IRA are the two main retirement options for solo business owners with no outside employeesPayroll-directed IRA is available for business owners with outside employees or non-owner, non-family members      [19: 00] Closing SegmentMatt offers his advice on the importance of saving money on taxes and creating a secure future for themselves and their employees!Final WordsConnect with Matt!Website: Life Inc.LinkedIn: Matt RuttenbergTwitter:  @Matt_RuttenbergInstagram: @Matt_RuttenbergFacebook: Life Inc. RetirementKey Quotes“If you're trying to segment out certain employees or yourself, you might have to go towards a non-qualified plan because if you have a qualified plan like a 401k, Simple, there's rules and fairness… If you are non-qualified, it removes all those fairness rules, and then you can start targeting certain individuals and so on and so forth.” – Matt Ruttenberg--------Podcast Host: Mike Jesowshek, CPA - Founder and Host of Small Business Tax Savings PodcastJoin Our Tax Minimization Program: https://www.taxsavingspodcast.com/taxIncSight Packages: https://incsight.net/pricing/Book an Initial Consultation: https://app.simplymeet.me/o/incsight/sale-------Podcast Website: https://www.TaxSavingsPodcast.comFacebook Group: https://www.facebook.com/groups/taxsavings/--------To find out more on this topic and many others visit our website at www.TaxSavingsPodcast.com. You can also give us a call at 844-327-9272 or send your questions to us at: Ask@TaxSavingsPodcast.com

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The signing of SECURE 2.0 Act of 2022 includes important provisions and changes to retirement savings plans. But what does this mean for your business and employees? We've brought in an expert from ADP's Retirement Services to help break down SECURE 2.0. We'll help you know more about some of the new benefits to employers and employees that are designed to make it more attractive to offer retirement plans, and to improve retirement outcomes for employees. Listen in as we discuss: [1:57] Tax credits for start-up plans, and options for businesses to start a plan [3:12] Automatic enrollment, automatic escalation provisions & catch-up contributions [6:19] Changes to the Required Minimum Distribution requirements [6:59] What is the Student Loan Match provision? [7:44] Covering unexpecting expenses & emergency withdrawal provisions [10:50] How does this change the Saver's Credit? Copyright © 2023 ADP, Inc. All rights reserved. This content may not be distributed, reproduced, modified, sold or used without the written permission of ADP. The information is provided "as is" without any expressed or implied warranty, is based on generally accepted HR practices and is advisory in nature. This content is provided with the understanding that neither the presenters nor the writers are rendering legal advice or other professional services. Employers are encouraged to consult with legal counsel for advice regarding their organization's compliance with applicable laws. This material is current as of the date of this episode (April 2023).

Chief Investment Officer Troy Harmon, CFA, CVA, and Justin Wagner, AIF®, Client Relationship Manager for Retirement Services, deal with an investor who set his 401(k) and forgot about it for 13 years! Read the Article: https://www.henssler.com/retirement-savings-should-not-be-left-on-autopilot 

Henssler Money Talks – February 25, 2023Season 37, Episode 8This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Justin Wagner, AIF®, a Client Relationship Manager for Retirement Services to cover the week's news, including the minutes from the latest Federal Open Market Committee meeting and the second reading of fourth quarter 2022 GDP. Justin and Troy address an investor who set his 401(k) and forgot about it for 13 years! Rounding out the show, Dr. Gene, Bil Lako, CFP®, and Jennifer Thomas, CFP® look back at how “Money Talks” has evolved alongside our firm and the many significant market events we've covered over the last three and a half decades as part of Henssler Financial's 35th Anniversary. Timestamps and Chapters 00:00 Market Roundup: Covering Feb 20 – Feb. 24, 202311:03 Case Study: I Set It and Forgot It 20:36 Special 35th Anniversary Retrospective Follow Henssler:  Facebook: http://bit.ly/HensslerFacebook  Twitter: http://bit.ly/HensslerTwitter  LinkedIn: http://bit.ly/HensslerLinkedIn  Instagram: https://www.instagram.com/hensslerfinancial/YouTube: http://bit.ly/HensslerYouTube   “Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Don't miss this very informative episode! We sit down with Quest Trust Company's IRA Specialist, Nicole Bacot, to discuss the advantages of opening a self-directed IRA. --About the guest:Nicole Bacot is an IRA Specialist at Quest Trust Company. She started her Quest Trust Company journey in November of 2020 and has 15 years of experience in the financial services industry. Starting off in the Trust Industry, Nicole managed the Retirement Services division at Regions Morgan Keegan Trust. In that role Nicole helped design 401(k) plans for multi-person employers. She also managed an $80,000,000 book of business and gave education to the employees of the companies stressing the importance of saving for retirement and how to do so. Her role also allows her broad education and experience give amazing customer service and will continue to grow in her role here at Quest Trust Company. Mrs. Bacot has been married for fifteen years and the couple share two sons, Travis and Townes. Connect with Nicole Bacot and Quest Trust Company (QTC): QTC Website: https://www.questtrustcompany.com/QTC Phone: 281-492-3434QTC Email: iraspecialist@questtrust.com Episode Highlights✔️ Instilling financial literacy in children✔️ The risk of poor retirement planning✔️ What is a self-directed IRA? What are the advantages/disadvantages of an SDIRA?✔️ Using retirement funds to invest in the private investment world✔️ What types of investments can be held in an SDIRA?✔️ Converting your 401(k) to a SDIRA--❓ WANT TO LEARN MORE?Apartment Syndication FAQ Reference Sheet

Matt and Brandon talk about how to build a 401k plan for your company within your budget.  Get Matt's help to set up or expand your company's 401k plan to start saving tax free. Visit him for a free call

Matt and Brandon talk about your options to start a 401k plan for your company even after the Safe Harbor Filing Deadline passes.  Get Matt's help to set up or expand your company's 401k plan to start saving tax free. Visit him for a free call

In this episode your host, David Weaver, talks with entrepreneur Matt Ruttenberg, CMO, Director of Business Development with Life, Inc. Retirement Services + Founder of SureLI Insurance.   Life, Inc. Retirement Services that helps business owners find the right retirement plan for their business. Whether a 'solo-prenuer' or the employer of 50+ employees, finding the right TYPE of 401(k) plan is key. Life, Inc. offers easy, custom, affordable 401(k) plan options to help take your business to the next step.   Life, Inc. process is simple:  1) Find the right plan. 2) Enroll you & your employees.  3) Ongoing service and planning.   During this episode Matt & David discuss Matt's journey into the role he's in today, what challenges he had to overcome & what it is like running multiple businesses, while providing insight on how business owners can take control of their retirement plans & find what works best for their specific business.   To learn more about Matt Ruttenberg & Life, Inc. Retirement Services click HERE: https://lifeincrs.com/ Or check out their online tool that helps business owners narrow down their retirement options, click HERE: https://lifeincrs.com/evaluator/ If you'd like to be a guest on Sacrifice to Success, click HERE: https://lnkd.in/dUj-4bEV To learn more about how I serve business owners, visit: davidweavercoach.com

Brandon and Matt talk about the SEP IRA and a regular 401k.  Get Matt's help to set up or expand your company's 401k plan to start saving tax free. Claim your assessment:

What Is Data Governance and why does it matter? On the show, we have Solomon Madadha, the SVP of Data Analytics & Governance Wealth Management at Regions Bank. We talk about the increasing complexity of data, data collections, data democratization, and so much more….Tune in to the full episode. In this episode, we cover Solomon's responsibilities at Regions Bank. What are the challenges for Data Collections What is Data Quality and its importance How to ensure accuracy in data collection processes Importance of data consistency. Data Warehouse fundamental skill set. Data Quality and Accessibility measure. Data Governance roles and responsibilities. Data Governance challenges The impact of Data Governance in Cybersecurity Connect with Solomon Madahda About today's guest: 25 Years of well-rounded experience in Information Technology with 15 years in Enterprise Data Management and Advanced Analytics within the Financial Services Industry. Visionary and cross-functional organizational leader in delivering business value with Enterprise data strategy, delivered scalable modern Enterprise Data solutions, self-servicing Advanced Analytics Platforms using Big Data and Data Science Capabilities. Current responsibilities include vision, strategy, and execution of Data Analytics and Governance functions across the Wealth Management Business Units - Private Wealth Management, Institutional Services, Investment Services, Asset Management, and Retirement Services. ________ Thank you so much for checking out, this episode of The Tech Trek and if you enjoyed this episode, please take a minute and leave a quick rating and review on the Apple podcast app! Want to learn more about us? Head over at https://www.elevano.com Have questions or want to cover specific topics with our future guests? Please message me at https://www.linkedin.com/in/amirbormand (Amir Bormand)

Matt and Brandon talk about a real world case study where the business owners saved over $150,000 in their 401k plan. They talk about how the company is set up, what they did and how you can do the same thing to save more money in your 401k with your company. Get Matt's help to set up or expand your company's 401k plan to start saving tax free. Visit him for a free call

Matt and Brandon talk about what a prototype plan document is and how it can help you in your 401k plan strategy with your company. Get Matt's help to set up or expand your company's 401k plan to start saving tax free here.https://lifeincrs.com/edge-podcast/ About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. SIGN UP FOR OUR NEWSLETTEROver 17,200 listeners and countinghttps://edge.ck.page/bea5b3fda6 EPISODE LINKS: Get FREE information about setting up your 401k plan https://lifeincrs.com/edge-podcast/ RESOURCE LINKS: How to Write a Business Plan in 13 easy to Build Slides. Free 30+ page ebook https://www.buildabusiness.io/guide-to-building-the-perfect-business-plan1600276207655 EDGE PODCAST INFO: Apple Podcasts https://podcasts.apple.com/us/podcast/edge/id1522407349 Spotify https://open.spotify.com/show/7a3WcnSn9PlvwwF5hn4p4S YouTube Channel https://www.youtube.com/channel/UCabV9Rcw4MohWvTGr3OTzFw Website: EDGE Podcast https://MyEDGEPodcast.com RSS Feed: EDGE's RSS Feed https://buildabusinesssuccesssecrets.libsyn.com/rss SUPPORT & CONNECT SIGN UP FOR OUR NEWSLETTER Over 17,200 listeners and counting https://edge.ck.page/bea5b3fda6 Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here https://madriverbotanicals.com/?ref=18 EDGE Podcast. A top podcast for entrepreneurs! https://myedgepodcast.com

In this epsiode Matt and Brandon explain what custodian you should use for your 401k plan and why. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. Get Matt's help to set up or expand your company's 401k plan to start saving tax free here.https://lifeincrs.com/edge-podcast/ SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and countinghttps://www.brandoncwhite.com/subscribe/ EPISODE LINKS: Get FREE information about setting up your 401k plan https://lifeincrs.com/edge-podcast/ RESOURCE LINKS: How to Write a Business Plan in 13 easy to Build Slides. Free 30+ page ebook https://www.buildabusiness.io/guide-to-building-the-perfect-business-plan1600276207655 EDGE PODCAST INFO: Apple Podcasts https://podcasts.apple.com/us/podcast/edge/id1522407349 Spotify https://open.spotify.com/show/7a3WcnSn9PlvwwF5hn4p4S YouTube Channel https://www.youtube.com/channel/UCabV9Rcw4MohWvTGr3OTzFw Website: EDGE Podcast https://MyEDGEPodcast.com RSS Feed: EDGE's RSS Feed https://buildabusinesssuccesssecrets.libsyn.com/rss SUPPORT & CONNECT SIGN UP FOR OUR NEWSLETTER HERE! Over 17,200 listeners and countinghttps://www.brandoncwhite.com/subscribe Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here https://madriverbotanicals.com/?ref=18 EDGE Podcast. A top podcast for entrepreneurs! https://myedgepodcast.com

In this episode Matt and Brandon talk about a ROBS 401k and how you can use it to fund your business. This could be to start up your business and provide cash flow vs. having to raise money from investors. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. Get Matt's help to set up or expand your company's 401k plan to start saving tax free here.https://lifeincrs.com/edge-podcast/ SIGN UP FOR THE EDGE NEWSLETTEROver 17,200 listeners and countinghttps://www.brandoncwhite.com/subscribe/ EPISODE LINKS: Get FREE information about setting up your 401k plan https://lifeincrs.com/edge-podcast/ RESOURCE LINKS: How to Write a Business Plan in 13 easy to Build Slides. Free 30+ page ebook https://www.buildabusiness.io/guide-to-building-the-perfect-business-plan1600276207655 EDGE PODCAST INFO: Apple Podcasts https://podcasts.apple.com/us/podcast/edge/id1522407349 Spotify https://open.spotify.com/show/7a3WcnSn9PlvwwF5hn4p4S YouTube Channel https://www.youtube.com/channel/UCabV9Rcw4MohWvTGr3OTzFw Website https://MyEDGEPodcast.com RSS Feed https://buildabusinesssuccesssecrets.libsyn.com/rss SUPPORT & CONNECT SIGN UP FOR OUR NEWSLETTER HERE! Over 17,200 listeners and countinghttps://www.brandoncwhite.com/subscribe Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here https://madriverbotanicals.com/?ref=18 EDGE Podcast. A top podcast for entrepreneurs! https://myedgepodcast.com

All about 401k cash balance plans and how they allow you to save more money than you've been told in your 401k's. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up or expand your company's 401k plan to start saving tax free here. https://lifeincrs.com/edge-podcast/ SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting https://www.brandoncwhite.com/subscribe/ EPISODE LINKS: Get FREE information about setting up your 401k plan here >>> https://lifeincrs.com/edge-podcast/ HELPFUL LINKS: How to Write a Business Plan in 13 easy to Build Slides https://brandoncwhite.com/how-to-write-a-business-plan/ PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts https://podcasts.apple.com/us/podcast/edge/id1522407349 Spotify: EDGE on Spotify  https://open.spotify.com/show/7a3WcnSn9PlvwwF5hn4p4S YouTube Channel: EDGE on YouTube https://www.youtube.com/channel/UCabV9Rcw4MohWvTGr3OTzFw Website: EDGE Podcast https://MyEDGEPodcast.com RSS Feed: EDGE's RSS Feed https://buildabusinesssuccesssecrets.libsyn.com/rss SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,200 listeners and sign up to receive bonus content. It's free.  Sign up here >>> https://www.brandoncwhite.com/subscribe/ Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here>>> https://madriverbotanicals.com/?ref=18 EDGE Podcast. A top podcast for entrepreneurs! https://myedgepodcast.com

Beleive it or not you're kids can contribute to your 401k Plan. We talk about how to do it and how much extra you can save in your 401k. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get more information about setting up your 401k plan here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!

Learn why you need to benchmark your 401k plan for your business and how it can help you save more money. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get more information about setting up your 401k plan here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!

This episode is specifically for people who own US government contracting businesses. 401k plans for contractors need to follow different rules and regulations, we lay it all out for you in this episode. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get more information about setting up your company's 401k plan here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!

Do you know an effective way to grow and protect your business? In this episode, Leslie Tracey discusses the importance of risk management, retention of top talent, and building a team culture that is supportive of success. She stresses why marketing to all employees, not just the business owner is essential and provides relevant tips on how to do this effectively. Let's dive in!  In the financial industry since 2017, Leslie is the founder of Tracey Donavan Insurance & Retirement Services, a boutique financial practice that specializes in personal and business financial risk management and retirement income strategies for practitioners in Medical Aesthetics nationwide. They ensure that practice owners mitigate risks to their family and business livelihood associated with disability or death which could halt the continuation of the business.  Key Highlights:   [00:01 - 06:41] Opening Segment  [06:42 - 13:17] How to Keep Your Med Spa Running Safe and Sustainably  [13:18 - 19:56] How to Succeed as a Med Spa Owner  [19:57 - 26:33] How to Protect Your Practice   [26:34 - 33:23] Diamond Games Media  [33:24 - 39:47] Think About Your Brand   [39:49 - 42:16] Closing Segment  Click here to connect with Leslie's online community: https://linktr.ee/leslietracey   Free download for listening to this podcast here: https://www.traceydonavan.com/10healthwealth  Key Quotes:  "I think it's really important to identify where your clients are coming from and start small. All the big ones are very successful. They started small." - Leslie Tracey  Subscribed Yet? Now you can! Subscribe to the Patient Convert Podcast and never miss a new episode! Subscribe for emails or using your favorite podcast app via Email, Apple Podcasts, Google Play, Spotify, Stitcher, or visit my website intrepy.com Feel free to connect with me on LinkedIn, Twitter, Facebook, Instagram    What We Do  Check out our Healthcare Marketing Agency – Intrepy Healthcare Marketing Check out our physician liaison training platform – Physician Liaison University  Leave a Rating & Review for Other Listeners!  I hope that you have found this episode and any others you have listened to be helpful in your growth as a healthcare marketer or practice owner. Please consider leaving a review on one of the channels above. The best way to do that is to rate the podcast on Apple Podcasts and leave us a brief review! You can do the same on Stitcher as well. Your ratings and reviews help get the podcast in front of new listeners. Your feedback also lets me know how I can better serve you.  Thanks for listening. Justin & Kelley Knott

Matt and I lay out all the benefits to having a 401k plan for your Company and how you can save a lot more than you think as a business owner. Learn how  About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get your company's 401k plan set up today >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!

We discuss what Double Dipping means and how you can use it to save more money in your company's 401k plan for yourself as a business owner. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>>   SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get your company's 401k plan set up today >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!

We discuss how to implement advanced profit sharing techniques for your company's 401k plan that will allow you to save a lot of money. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>>   SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get your company's 401k plan set up today >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!

Learn about the Mega Backdoor 401k, how to implement them in your company and save big...tax free. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get your company's Mega Backdoor Roth 401k plan set up today >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!

Learn about Safe Harbor 401k's and how to implement them in your company to save money for retirement.About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services.He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings.Get Matt's help to set up your company's 401k plan to start saving tax free here >>>EPISODE LINKSGet your company's 401k plan set up today >>>Other Great Podcasts From the Best Podcasts NetworkOn Business Podcast On Business Podcast is an unscripted, brutally honest, candid, sometimes ugly, conversation about running businesses & successful companies, for aspiring entrepreneurs, current startups, or experienced business owners looking to elevate their business. https://OnBusinessPodcast.comMARKETING PodcastThe MARKETING podcast brings you marketing science, case studies that reveal successful marketing techniques and teach strategic marketing analysis where we model the data and turn it into financial forecasts so you have predictable revenue.Brandon can't promise you instant marketing success after each episode. But...he guarantees that you will find each MARKETING episode always reliable, always actionable, and always useful for your marketing efforts. https://podcasts.apple.com/us/podcast/marketing/id1653276478

It might sound like a good thing to get a refund check, but not from your 401k company program. A refund check means that money gets taxed and doesn't grow tax free. Matt explains how to fix that. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here>>> A top podcast for entrepreneurs!

We talk about why control groups are important to understand when you are setting up your company's 401k plan and how to set up your 401k plan correctly. Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify  RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here>>> *We respect your privacy and hate spam. We will not sell your information to others.