Podcasts about risk number

As the unprecedented Federal workforce downsizing continues, many Federal and Postal employees are considering retirement this year. But what if you are not prepared for it? The hard truth is that Federal Retirement is not easy, and if you make a mistake, it can cost you! That is why Elizabeth Inman is announcing a FREE online webinar entitled "The 7 Surprises of Federal Retirement."  Stay tuned for more information in the coming days... Elizabeth Inman and the FEBC Podcast is your trusted source for news and information that directly affects you... the Federal and Postal Employee. We share strategies to help you maximize your retirement benefits and equip you with the financial tools to build lasting security now, and well into retirement. If this sounds good to you, simply hit the subscribe button and click the bell icon to be sure you don't miss any critical updates. Looking for solutions to maximize your retirement income? Find out more by downloading my FREE book, The TSP Millionaire: The TSP Millionaire Book: https://febcnow.com/#formblock We have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Welcome to 2025 Federal Employees! There's an unprecedented shakeup happening right now in real-time, and your career and retirement hang in the balance. There's lots of rumors flying, but not many solid facts. That's why you need to hear what Elizabeth Inman is saying in this episode. Elizabeth Inman is conducting a FREE online webinar to give you the information you need to know if the Voluntary Early Retirement (VERA) is for you: Understanding the Voluntary Early Retirement (VERA) Webinar: Watch now at: https://tinyurl.com/FEBC-VERA-WEBINAR Elizabeth Inman and the FEBC Podcast is your trusted source for news and information that directly affects you... the Federal and Postal Employee. We share strategies to help you maximize your retirement benefits and equip you with the financial tools to build lasting security now, and well into retirement. If this sounds good to you, simply hit the subscribe button and click the bell icon to be sure you don't miss any critical updates. Looking for solutions to maximize your retirement income? Find out more by downloading my FREE book, The TSP Millionaire:The TSP Millionaire Book: https://febcnow.com/#formblock We have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (833)693-3388.FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (833) 693-3388

Welcome to 2025 Federal Employees! There's an unprecedented shakeup happening right now in real time, and your career and retirement hang in the balance. There's lots of rumors flying, but not many solid facts. That's why you need to hear what Elizabeth Inman is saying in this episode. This Thursday and Saturday, Elizabeth Inman is conducting a FREE online webinar to give you the information you need to know if the Voluntary Early Retirement (VERA) is for you: Understanding the Voluntary Early Retirement (VERA) Webinar: Register now at: https://www.tinyurl.com/veraforfeds Elizabeth Inman and the FEBC Podcast is your trusted source for news and information that directly affects you... the Federal and Postal Employee. We share strategies to help you maximize your retirement benefits and equip you with the financial tools to build lasting security now, and well into retirement. If this sounds good to you, simply hit the subscribe button and click the bell icon to be sure you don't miss any critical updates. Looking for solutions to maximize your retirement income? Find out more by downloading my FREE book, The TSP Millionaire: The TSP Millionaire Book: https://febcnow.com/#formblock We have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

The end of the year is rapidly approaching. What are some of the things that Federal and Postal employees need to consider regarding the Thrift Savings Plan? Find out now by downloading my FREE book, The TSP Millionaire: The TSP Millionaire Book: https://febcnow.com/#formblock Bonus: December is the month that most Federal and Postal employees choose to retire. Is this the month you should retire? How can you make sure that you are maximizing your retirement? There are so many questions that need to be answered, and we can help you create a Strategic Retirement Plan. We have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

The end of the year is here. December is the month that most Federal and Postal employees choose to retire. Is this the month you should retire? How can you make sure that you are maximizing your retirement?  There are so many questions that need to be answered, and we can help you create a Strategic Retirement Plan. We have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

There's just a few days left to make your final choices for Open Season 2024. In this episode, Elizabeth discusses the challenges and changes that have just happened to your health benefits via the new Postal Service Health Benefits Program. Our goal is to inform and educate you as best we can but it's been a rough couple of weeks. But be encouraged, there's still time to get the information you need to make the best decision for you and your family. We can help. If you are unsure about what you need to do during this Open Season, we have good news for you. Elizabeth Inman and her team of benefit coordinators is ready to help you. We also have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

INTEGRATION WITH MEDICARE!  That's the new buzzword for Postal & Federal Employees and Retirees.Open Season is here! In this episode, Elizabeth discusses the massive changes that have just happened to your health benefits via the new Postal Service Health Benefits Program. If you are unsure about what you need to do during this Open Season, we have good news for you. Elizabeth Inman and her team of benefit coordinators is ready to help you.We also have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Attention all Postal and Federal Employees: Open Season is here! That means big changes are no longer future-speak, they have now arrived, like it or not. In this episode, Elizabeth Inman candidly shares from the heart and gives perspective and hope to Postal workers and Annuitants regarding the massive changes that have just happened to your health benefits via the new Postal Service Health Benefits Program. If you are unsure about what you need to do during this Open Season, we have good news for you. Elizabeth Inman and her team of benefit coordinators is ready to help you.Elizabeth Inman and her team of benefit coordinators is ready to help you. We also have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Keith discusses the current state of the US economy, noting that while it is considered strong by conventional measures, there are four major threats on the horizon that the country is not doing enough to address. He's joined by our guest, macroeconomic expert, Richard Duncan to discuss these topics. Richard proposes a solution that could strengthen the US's competitive position against China. Shifting from Capitalism to Creditism. Also, hear about the risks facing the real estate and stock markets in the near-term, such as the historically high wealth-to-income ratio and the ongoing quantitative tightening by the Federal Reserve. Learn more about Richard's work through his video newsletter, Macro Watch. Use discount code GRE for 50% off at: RichardDuncanEconomics.com Show Notes: GetRichEducation.com/527 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, per conventional measures, today's us. Economy is strong, but there are four vicious threats on the horizon, and we're not doing enough about them. Our macroeconomist guests will discuss that with us today. How alarming is it, and what's the solution to our crises, this week on get rich education,   Speaker 1  0:27   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Fort Wayne, Indiana to Fort Lee New Jersey and across 188 nations worldwide. I'm Keith Weinhold, and you are back inside get rich education. We've been here for you, every single week since 2014 coming off of an election last week, this spurs more macroeconomic thought, monetary and fiscal policy, and more than that. And you know, one thing that I'm always looking for are signs of inflation versus deflation, because we live in a long term inflationary world. Well, you wouldn't keep a million bucks under a mattress because it would only be worth 300k in a few decades. But in deflation, you would flip your strategy and actually be a saver. You might keep millions out of the mattress, because deflation would actually increase the purchasing power of every single one of your dollars. Now, I've got a pretty unpopular take for you here at some point, probably now you've got to give the Fed credit for a soft landing. And what does a soft landing mean? Exactly. It means bringing down inflation without putting the economy into a recession. Well, inflation is down to about 2% now, unemployment is still low, near 4% and GDP growth for last quarter came in at 2.8% okay, yes, I sure understand that those benefits are distributed unevenly, but at this point, how much more of a soft landing Do you really want? And by the way, this sure doesn't mean that I love the Federal Reserve. I mean, they get no credit from me for not jumping on inflation sooner, when it peaked two and a half years ago, or even before that point, well, those high consumer prices as a result of that are still with us, and that's a problem, and they got that part wrong. We're about to talk with our global macroeconomic expert, really. He is one of the foremost authorities in the entire world today. We're going to talk about four major catastrophes the US economic future faces. One of those four is our ballooning national debt and deficit. And to review that for you, first, the debt is our overall accumulation of debt over the years now at 36 trillion. And when it comes to these awful, dreadful debt and deficit issues, I will ask our guests the question, when is it game over? Where is that tipping point? What would need to happen and the deficit? Okay, that refers to the annual shortfall, the annual thing, that shortfall that our bloated government keeps coming up with at the end of every year, all right, so therefore revenue minus spending equals deficit. Another way to say that is income minus expenses equals a deficit when the expenses are greater than the income. Well, that figure is near $2 trillion we're spending 2 trillion more than we raise in revenue each year. And here's an example. I'll use real world numbers rounded off to the nearest trillion. So if the government's annual revenue is only 5 trillion and you have to subtract out spending, which is 7 trillion, that could. Gives us an annual deficit of 2 trillion, pretty simple stuff, and that more or less gets added onto our overall debt of 36 trillion. Another major problem is this growing competition from China. Yes, I know that people like to discuss their demographic problems, but still, their population is more than four times the US population, and you learn about what other advantages they have over us and what we direly need to do to catch up. In our guests opinion, these issues incur some rather detailed explanations. So I'm really going to let our guest expert takeover for a while today, this weekend, I will be in San Antonio, Texas. San Antonio is an uptrending real estate market because they are really a beneficiary in distribution with their proximity to Mexico in the near shoring movement that's taking place. And then I will be in Austin, Texas, for a few days, Austin is one of the few major US metros that have seen rents substantially decline recently. I'll bring you next week's show from Austin, where I might talk more about that. Then, from the 20th to the 24th of this month, I'll be in New Orleans at the famed New Orleans investment conference, where they're pulling out all the stops at the 50th anniversary of the event, and that is the longest running investment event in America and perhaps the world. I hope to meet some of you there in New Orleans, just like I do each time I'm at the event. Let's talk about the bigger picture economy that your real estate and investments float within next.   This week's guest is the author of four books analyzing the crises that brought the global economy to the brink of collapse in recent decades. One of the books forecast the 2008 global financial crisis with great accuracy. We're going to discuss future crises here today, before we're done, he has worked as an equities and Investment Analyst, and then he went on to hold some rather esteemed roles at the World Bank in DC and as a consultant to the IMF in Asia. He joins us from Thailand today. He now publishes a video newsletter called macro watch, and long time listeners know that today's guest was also this show's very first guest that was back on GRE podcast episode seven, only 10 years ago now, in November 2014, and he's really become quite the friend of the show, and we've looked out for each other ever since. It's terrific to have back global macro economist Richard Duncan   Richard Duncan  7:46   Keith, hey, thank you for having me back. It's great to speak with you again.   Keith Weinhold  7:50   Oh, it's so good to have you here an entire decade of our lives. And as times change, economies are surely dynamic, and you're so good at spotlighting crises and explaining them in a way to people that they can understand. So Richard, why don't you talk to us now about risks facing the nation? Yes, I'm talking about the United States.   Richard Duncan  8:15   A lot of podcasts focus on all the problems the United States is facing, and it is certainly true that the United States is facing very serious risk. So I'd like to start off this conversation telling you what I think the greatest risk facing our country are. There are four main things I'd like to hit on. The first is something you mentioned to me before in our exchange of emails, is that the US government does have a very high level of government debt relative to GDP, and the budget deficits are large. So that's problem number one. Problem number two, in my opinion, looking at this from where I live in Asia, is that the United States is at risk of being conquered by China in the not too distant future. Risk Number Two. Risk Number three, we have very serious domestic political divisions within the United States. Risk Number four is that our post capitalist economic system, which I call creditism, must have credit growth to survive. If credit contracts, then our economy will spiral into a Great Depression that will be probably worse than the one of the 1930s so those are the big four problems that we have, and it doesn't do anyone any good just to talk about our country's problems if you don't offer a solution to them. So in my opinion, all of these problems can be overcome by accelerating economic growth in the United States, while all of these problems would be made very much worse by anything that causes us economic growth to slow down. The way to make the US economy grow much faster is to have the US Government finance a very, very large investment in the industries and technologies of the future over the next 10 years, starting immediately. The alternative austerity would cause the economy to spiral down into deflation. We'd like your listeners to think of austerity when they hear the word austerity. I'd like them to think of the word death. It's austerity is equal to death. Yeah, the US doesn't have to be a declining power. The first American Century doesn't have to be the last. It can be the first of many. The solution for driving the US economy to grow much more rapidly and solving all four of the problems that I mentioned above is a US sovereign wealth fund. Thank heavens. Both parties now support the establishment of a US sovereign wealth fund. On September 5, former President Trump came out in support of establishing a US sovereign wealth fund, and on the following day, the Biden administration said, then working on this for months and had a plan that they were developing. So this is fantastic news for the United States. It offers great hope for solving all of our greatest problems. And I'd like to spend, you know, a few minutes explaining to your listeners what a US sovereign wealth fund is, yes, urgently necessary, and why both parties have now come to understand why this is important to establish.   Keith Weinhold  11:27   Yeah, please tell us why you think the US sovereign wealth fund is so urgently needed, and what it is because for even longer than the 10 years since you were first here, for about 15 years now, you have championed and promoted this US sovereign wealth fund. You discussed it on CNBC Squawk Box and all over the place. Last year, you presented about it in a speech in DC to 15 members of the House, Ways and Means Committee. So tell us about the US sovereign wealth fund and why you think it's urgently needed.   Richard Duncan  11:56    Let's begin with, what is a sovereign wealth fund? Well, effectively, a sovereign wealth fund is where a country invest in individual companies or even in startups. There are sovereign wealth funds all around the world. Norway has the largest, Singapore has two very effective ones called gdic and Temasek, which had been enormously profitable and successful, and it made the people in Singapore much richer. So a sovereign wealth fund in the United States would be an investment bond financed by the United States government with the US. This investment fund would take stakes in existing companies and also in startup companies, hopefully on a very large scale. Now, some people have asked, Why is this framework necessary? Why do we need a sovereign wealth fund to do that when the government is already making investments in the military, for instance, and funding some R and D research? Well, the difference between what the government is doing now and a sovereign wealth fund is with a sovereign wealth fund, the government would actually keep equity stakes in these companies that they invest in, meaning that when these companies they invest in become enormously profitable, the profits would be owned by every American. The Americans would have the equity stakes in all of the investments that this sovereign wealth fund makes. And it would be a situation where the government provides the financing, but the private sector manages the companies. The government just finances these companies in new industries and new technologies, and the government has the ability to invest on a very much larger scale than the private sector does. For example, The United States has a lot of great companies in the private sector that have accomplished really, truly great things in recent years and long past as well. But these private sector companies cannot invest on the same scale that the Chinese government can. The Chinese government is investing on a much larger scale than any of the American companies could ever dream to invest on. And that's explains why China is overtaking us now technologically, and if they continue to invest at a rapid rate that they're doing currently, then before long, there are going to be far ahead of us technologically and therefore economically, and more worryingly, militarily, the US government has the ability to invest truly on a multi trillion dollar scale over the next decade in new industries and technologies, things like artificial intelligence, quantum computing, nanotech, biotech, genetic engineering and developing energy sources like fusion, and it has the ability to do this on such a large scale that it would be certain to succeed. And once these companies start creating cancer vaccines or fusion, for instance, they would be enormously profitable, and they could be listed on. NASDAQ at multi trillion dollar valuations, and the American public would own equity stakes in these companies, and would then would directly reap the rewards of these profits that these companies would generate. That is what a sovereign wealth fund is, why it's desperately needed, is, well, first of all, we should do it, because we can easily afford to do it. And the results, the breakthroughs, the technological breakthroughs and medical miracles that these sorts of companies would produce, would we really have the shot of curing all the diseases and radically extending life expectancy, developing sources of limitless energy that would bring down the cost of energy radically. Just across the board, it would induce a technological revolution that would turbo charge us economic growth, create UNDRIP wealth, and at the same time, shore up US national security in the face of this growing threat from China. So for all of those reasons, it is urgently necessary. In my opinion.   Keith Weinhold  16:04   both Norway and Singapore have had similar models to this. US sovereign wealth fund, and we certainly think of those two nations as prosperous places, tell me more about why it's a success so the government finances it does that incentivize companies to therefore take more risk?   Richard Duncan  16:25   It allows them to invest more. It allows them to invest on a much larger scale than that. Could if they have to rely on their own funding sources. Rather than investing millions of dollars, they could invest billions of dollars or 10s of billions of dollars. For instance, at the moment, the National Cancer Institute in the United States, this annual budget is $6 billion a year. $6 billion a year is not curing cancer. If we look back a few years ago, the Fed was creating $120 billion a month through quantitative easing per month. So with just 5% of one month of QE, you could double the National Cancer Institute's budget. Now that's not what this sovereign wealth fund would do. That just illustrates the scale. How much greater the scale would be that the government could invest on relative to what is currently being invested at the moment by the government and by the private sector combined.   Keith Weinhold  17:28   Do any critics ever ask about Wait? Is this too much government intervention into the free market? Is this a move away from capitalism? What do you say to those sort of critics?   Richard Duncan  17:38    I say to them that capitalism died in World War One. It certainly didn't survive the 20th century. Now the government. In the 19th century, we had capitalism. The government had very little involvement in the economy then and gold was money. But now gold is no longer money. The Fed creates some money. Government spending is something like nearly $7 trillion out of a GDP. That is around just not quite $30 trillion yet. So the government has been directing the economy going back at least since World War Two. This hasn't been capitalism for a very long time. Under capitalism, the private sector made investments, and some businessmen would make profits from their investments, and they would save that profit as capital and reinvest that capital. That's how capitalism grew. That's why they called it capitalism. It was based on capital accumulation and investment. But that's not how our economic system has worked for decades. Our system now is not driven by investment and saving by the private sector. It's driven by credit creation and consumption and more credit creation and more consumption and our economies has now been transformed from capitalism. It has evolved into creditism, with the government playing the directing role. So total credit in the United States, just last quarter blew through $100 trillion for the first time. By what I mean by total credit is the same thing as total debt. Total credit is equal to total debt. So this is all the debt of all sectors of the economy, the government sector, the household sector, the corporate sector, the financial sector, Fannie Mae and Freddie Mac all the sectors of the economy, it just went through $100 trillion and Breda ism has created very rapid growth, especially all around the world, not only in the United States, because it has allowed the US economy to grow so rapidly and to import so much from other countries that this is why The Asian miracle occurred. I've lived through the Asian miracle because the US has been running massively large trade deficits since the early 1980s and all these countries in Asia have been running massively large trade surpluses, and all this spending that the Americans have been doing has been fueled by this rapidly. Radically expansion of credit. Total credit first went through $1 trillion in 1964 now it's $100,000,000,000,000. 60 years later. Now our system is not capitalism. The government is very involved. Anytime there's any problem with the economy, the government steps in. In 2008 the government prevented a new Great Depression when the private sector the households defaulted on their debts and caused all the banks to fail, and Freddie Mac did fail and had to be taken over by the government. So at that time, we narrowly avoided a Great Depression, because the government increased its budget deficits by more than a trillion dollars a year for four years in a row, and the Fed expanded. The Fed created three and a half trillion dollars between the end of 2007 and 2014, expanding its balance sheet by about five times. So that's not capitalism. We don't have capitalism. So people who are worried about us abandoning capitalism. They're behind the times that happened a long time ago. That shouldn't be a concern. They should be aware now that we are competing against players who don't play by the capitalist rules of little government intervention in the markets we're now competing against China, and China is one giant sovereign wealth fund intent on dominating the world by investing very aggressively in new industries and technologies. In the year 2000 the United States invested, I think, 10 times as much in research and development as China did. But now China is actually investing more in research and development and the US is and that explains why China is ahead in so many areas of technology. They had 5g years before we did. They are the leaders in electric vehicles and batteries. We have to put up 100% tariffs to keep out electric vehicles from China because they're so much better than our electric vehicles. They dominate solar panels. And are worse, they have hypersonic missiles and we don't, and I'm sure they have other military advantages that we don't, because they invest much more aggressively in new industries and technologies than our government does. And if we don't rectify this quickly, then we are soon going to be overtaken by China militarily, and our national security is at risk, much more than most Americans understand. But this realization has slowly grown on policymakers in Washington, and now both parties are worried about this, and this is why we have this growing fear of China, and why we have proposals to limit technology transfers to China, and this is why we've done things like the chips and science act, where the government has agreed to finance a $280 billion investment in new industries and technologies a couple of years ago, with 50 billion of that going into setting up manufacturing facilities within the in the US to create semiconductors, rather than relying solely on Taiwan to obtain all of our semiconductors, because China could take Taiwan at any moment, and then then he would end up with all the semiconductor chips that go into powering artificial intelligence. And whoever develops Artificial General Intelligence first is going to rule the world, and therefore it had better be the United States rather than China, because we don't want to live in a world dominated by China, believe me.    Keith Weinhold  23:26   Well, a lot of macro voices agree with you. About two months ago, we had the president of the Mises Institute here, and the way he characterized things are in the United States. 100 years ago, we had islands of socialism in a sea of capitalism, and today we merely have islands of capitalism in a sea of socialism. Do you see the US sovereign wealth fund being able to solve all four of the United States big problems that you outlined, debt and deficit conquering by China, political division and creditism. Can it solve all four of those?   Richard Duncan  24:04   Yes, it can. So as you know, Keith, a couple of years ago, I published my fourth book. It was called the money revolution. Yeah? How to find the book? Sure, yeah. How to finance the next American century. It was a subtitle. Now I argue that it would be very easy for the US to invest on a multi trillion dollar scale, new industries and new technologies over the next decade, and if we do that through a sovereign wealth fund, then would generate so much growth and be so profitable that instead of causing the government debt to increase, it would actually make the economy so much larger and generate so many more tax revenues, and the government would make so many profits from these companies that it has equity stakes in that it would reduce the government debt in absolute terms, and radically reduce the government debt relative to GDP, which would grow far faster than it has been growing in recent decades. This problem, number one, solved the high level of government debt. A high level of debt to GDP just make the GDP grow a lot faster, and the ratio of debt to GDP will go down. Problem number two is the US is at risk of being conquered by China. We can out invest China. We can invest more than China can afford to invest. We still have the best universities and the best entrepreneurs and scientists. So if we invest on a large enough scale, we will win, and China will not conquer us. Third, if the economy is growing at 7% a year instead of 1% a year, that is going to alleviate a lot of the domestic tensions that exist currently, much of the reason there's the origins of this domestic political divide that we're now suffering from in the US is because such a large part of the population has been left behind when all the factories moved overseas, countries like China and Vietnam, we de industrialized, and the people who Used to have good factory jobs, good, unionized, high paying factory jobs. All those people were left out in the cold, and they're not happy about it. And so if our economy were growing much more rapidly, these people would have much better jobs and much higher salaries, and they would be much happier than they are at the moment. And the final one was our post capitalist system of creditism requires credit growth to survive. So if the government is financing these investments on a multi trillion dollar scale, it's going to make credit expand, and that's going to keep the economy expanding. So yes, it would solve all four of those problems.   Keith Weinhold  26:35   One of those four problems is the debt and the deficit. I want to dive into that more with Richard as it becomes more and more problematic in the United States, and just how far we can kick this can down the road. You're listening to get rich education. We're talking with macro economist Richard Duncan. More, we come back. I'm your host. Keith Weinhold.    Oh, geez. The national average bank account pays less than 1% on your savings. 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Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group, NMLS, 420056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridgelendinggroup.com that's Ridgelendinggroup.com   Jim Rickards  28:40   this is Author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  28:55   Welcome back to get rich education. We are going big this week, talking about the global economy, although mostly centered on the United States, with macroeconomist Richard Duncan. You can learn more about him at RichardDuncaneconomics.com and Richard I want to talk about the debt in the deficit. The debt is the United States overall debt as it accumulates year after year, and the deficit is just the annual thing, and it's so interesting and concerning. When I look at this, when you look at the line items in the United States government's annual spending, we now see that interest payments are taking the second largest chunk, only to Social Security. Social Security's number one interest is the second biggest expense, even more than defense spending and on Medicare. So I just wonder, as I see the interest payments going up and up and up and projected to be our greatest expense every year. You know, one thing I think about Richard is when our interest payments alone exceed our. Revenue somewhere down the road, is that when it's game over, or is that when we're on the way to game over? So can you talk to us about really, where the concern crops up with the deficit, like I talked about, and with the debt that's now at about $36 trillion   Richard Duncan  30:17   deficit and debt is a real problem. It was the first problem that I mentioned when we kicked off the conversation. There are two components of that. One is the fact that government debt has been increasing very rapidly. At the end of 2007 total government debt was around $9 trillion by 2014 it had doubled to $18 trillion because the government had to respond to the collapse of the private sector in 2008 and prevent us from having a great depression at that time, and then after 2014 it has doubled again, from 18 trillion to $36 trillion now, much of that was due to the need for the government to keep us from having another Great Depression during COVID When government stimulus amounted to about $5 trillion and the Fed created a similar amount over just a two year period. So now we have a much higher level of government debt. But the second component of that is that interest rates are very much higher than they used to be. The federal funds rate went up from 0% a few years back to a high of five and a quarter, actually a range between five and a quarter and five and a half. And recently, the Fed cut the federal funds rate by 50 basis points. But you can still say it is 4.9% let's call it 4.9% so interest rates are far higher than they used to be, but they don't have to remain high. The reason interest rates went up is because the Fed increased the federal funds rate. And the reason the Fed increased the federal funds rate is because we had high rates of inflation. Inflation peaked at 9% or so in 2022 but most recently, the CPI has come back down to 2.4% and the Fed's favorite measure of inflation, that PCE Price Index, has come down to 2.2% and that means that the federal funds rate, which is 4.9% is more than twice as high as the inflation rate is. That shows us that we have very tight monetary policy, and the Fed should be able to reduce interest rates very rapidly going forward. They've told us in their dot plot projections that they expect that interest rates will end this year the federal funds rate at 4.4% and then in next year, at 3.4% and 2026 at 2.9% so that reduction in interest rates will bring down the cost of the total interest expense that you mentioned as being so high currently, the risk, however, is that we get a rebound in inflation. We're inflation to surge again, then interest rates won't come down. In fact, they could go higher. So all of my career, more or less, has been spent in Asia. And the main theme that is run through the global economy, the development of the global economy over the last three and a half decades has been globalization, globalization in the form of us running very large trade deficits with other countries. Literally, the US current account deficit since the early 1980s has been $15 trillion meaning countries with the trade surpluses have had a $15 trillion trade surplus, and that's why they've all been transformed economically as a result of their trade surplus with the US, but what the US got out of this was the ability to buy things made with very low cost labor, and that was extremely disinflationary, that drove down the inflation rate in the US, and that allowed interest rates in the US to come down to very low levels that we've seen during most of this century, Up until the time COVID started. The real danger is now, if we do impose very high trade tariffs on China and our other trading partners, then that will cause a very serious spike in inflation. And it won't just be one off, because, of course, when the tariffs are put in place, that will immediately cause everything to be that much more expensive. The US companies importing goods from abroad would have to pay that tariff, then those US companies would pass those higher expenses on to the consumers, so we'd get an immediate spike in inflation. But that would also mean that the companies abroad it wouldn't be so profitable for them to have their manufacturing facilities abroad, they would try to bring those back home. And given that the unemployment rate in the US is so low already, only 4.1% there's not enough labor to allow these manufacturing facilities to come back to the US and start producing goods in the US. So that would cause an upward spiral. In wages and the wage push inflation spiral of the type that we had in the late 1960s and early 1970s so that is a In other words, tariffs would put an end to globalization, and that would cause a such a severe spike in inflation and interest rates, it would essentially be the death nail for creditism, which requires credit growth to survive. The end of globalization would mean this end of this 30 year global economic boom that the world has enjoyed, and therefore it is a very severe threat, and it would push up the interest expense of the US government, which you let off with, instead of lower interest rates, bringing down the interest expense the government has to pay every year, we would have instead higher interest rates, which would make the amount that the government has to pay on its interest even higher than it is at the moment, and make the budget deficit even larger than it is at the moment, and Make the government debt grow even faster than it's growing at the moment. So let's hope that doesn't happen. Instead, the better approach is to invest, to have the government finance large scale investments in new industries and technologies make the economy grow much more rapidly and we can grow our way out of this debt problem that we're currently in,   Keith Weinhold  36:21   yes more inflation, whether that comes from higher tarrifs or any other sources, will lead to higher interest rates to counteract that higher inflation, which will Yes, pump up the deficit in the debt that much more. And you know, one thing that I like about Richard is, you know, a lot of people complain about things, or say, what are we going to do? Or Things look bad, and Richard is saying some of that, but he offers a way forward with the US sovereign wealth fund, like he talked about before, investing our way out of it. So Richard, if we don't invest in this debt and deficit situation gets worse. It could be a hard question to answer, but I'd like your best guess at how far can we kick the can down the road? When is it game over? How big do our interest payments on the debt and deficit have to get?    Richard Duncan  37:10   the game is never over. No matter how bad things become, humanity will survive and carry on. So even in the Great Depression, people made it through, even through World War Two that resulted, largely as a result of the Great Depression. A lot of people died. 60 million people died, but the game didn't end. So regardless of how bad the economic system system were to become, humanity will survive and there will be a solution. Now, a lot of people put forward that, the idea that they point out that we have this high level of government debt, and their solution is to reduce government spending. The government spends something like $6.8 trillion last year. That was the amount the government spent. The budget deficit last year was 1.8 trillion so in order to eliminate the budget deficit, the government would have to spend $1.8 trillion less. In other words, it would have to cut its spending by 27% but the government cut its spending by 27% they're going to happen. The economy would immediately spiral into a depression. So even that reduction in spending wouldn't balance the budget, because the government revenues would collapse, and they would have even fewer tax revenues, so the deficit would still be there, the economy would collapse, and the unemployment rate would be 20 plus percent, and would just fall further behind China and be at greater risk from a national security perspective, and much more miserable As a society overall. That's why it's always say people should consider think of the words austerity and death at the same time, because austerity would bring about the collapse of our economic system and the Great Depression unless your civilization would survive it.  trying to answer your question more directly, how high could this go? Well, governments don't default on their debt when push comes to shove. If the government's having a hard time paying interest on its debt, the Fed will just print more money. And in a case where between 2008 and 2014 when the Fed created three and a half trillion dollars, they printed a lot of money at that short space of time, and they got away with it without having high rates of inflation. The highest rate of inflation we had during that period was 3.8% in 2011 and by the early months of 2015 we had deflation again for a few months. Prices actually fell negative CPI for a few months in 2015 so if we have a global economy, as we do at the moment, full of we have nearly 8 billion people, I would guess 2 billion of them at least live on less than $5 a day. So the US could get away with having a lot of paper money printing without having higher, very high rates of inflation and the government could finance itself that way for quite a long time. Of course, if we have a closed domestic economy brought about by extremely high tariff barriers, then we would end up with hyperinflation in the United States. But even with hyperinflation, it would be very painful for people who have all their cash in the bank or under their mattress, but people with assets, those asset prices would appreciate more or less in line with the inflation, and it would erode the government debt relative to the size of the economy, because the GDP would grow in nominal terms very rapidly because of the hyperinflation, and the debt, which is not inflation adjusted, would be evaporated away by the inflation.   Keith Weinhold  40:43    right? that's why here at GRE we are all invested and aimed toward prudent use of leverage with assets like real estate and we sure have been the beneficiaries of that wave of inflation that followed COVID there. Richard, well, we're talking about the debt and the deficit somewhat, which, interestingly, has actually doubled since the first time you were here on the show. When you were here, 10 years ago, it was at 18 trillion, and today it's at 36 trillion. We talked about, how far can you kick the can down the road back then? Well, here we are, 10 years later, and it's doubled. Talk to us. You know, you talked previously about the greatest risk to the United States economy. Tell us now, as we are investors here on this show, about the greatest risk to the real estate and stock market, I would just say within the next year. What are some of those risks to those particular markets?   Richard Duncan  41:38   We've already discussed the main risk that high tariffs would potentially cause a new spike of inflation and force the Fed to hike interest rates rather than cutting interest rates. But there are some other risk as well. One is the fact that we already have a very high level of wealth relative to income. Let me back up a second. You were talking about debt doubling since we first spoke 10 years ago. Here's another statistic for you. Just in the last four and a half years, the total wealth of the Americans, all of their assets minus all of their liabilities. In other words, household sector net worth. Since the end of 2019 it has increased by $47 trillion in four and a half years. That's about a 40% increase. Now, $47 trillion is enough to pay off the entire US government tip, which we've been worrying about with $11 trillion left over. So not everything is as bleak as it sounds on the surface. We've had a huge explosion of wealth in the last four and a half years that's been driven by property and also by stocks. The problem now is, is that the level of income the asset prices, are very inflated relative to their historic norms. And one of the ratios that I always keep an eye on is called the wealth to income ratio. It takes the household sector net worth. In other words, the wealth that we were just discussing, which, by the way, is now $164 trillion of wealth owned by the Americans. The wealth divided by income, disposable personal income, this wealth to income ratio is now an extraordinarily high level. The ratio is 785% whereas the average of that ratio going back to 1950 has been 550% the previous two peaks were in the year 2000 when it hit 620 during the NASDAQ bubble, and then that bubble popped, and the stock market crashed, and we had a recession, and it went back to 550 and then it surged to a new peak of 680 during the property bubble. And then that bubble popped, and we almost went into a depression, and that a lot of wealth was destroyed. We had a severe recession. The government had to bail us out from and that ratio went back to 550 again. Now it is just off the charts relative to its previous peaks, because people 680 now it's 785 so people used to suggest that higher asset prices were justified because interest rates were near 0% but even after the Fed hiked interest rates from near 0% to about 5% The asset prices have stayed inflated. That does suggest that asset prices are very inflated and therefore very vulnerable to any sort of shock that could occur, whether geopolitical or economic or domestic political problems. So that's a concern. Another concern is quantitative tightening is still occurring. Quantitative tightening is the opposite of quantitative easing. When, with quantitative easing, the Fed creates money and pumps it into the financial markets, and that tends to make asset prices go up, and it also tends to make interest rates on government debt stay low, because if it pushes up bond prices, it pushes down. Bond yields. Well, now the opposite is occurring. Over the last two years, the Fed has destroyed roughly $2 trillion it created $5 trillion from the end of 2019 till about 2022 during the COVID pandemic, and the policy response to that, the Fed created $5 trillion but now it's destroyed 2 trillion of that five that it created, and is still destroying dollars at the rate of about $60 billion a month, or $700 billion a year. And as it does, as it destroys dollars, it takes dollars out of the financial system, which all other things being the same, tends to make financial conditions tighter, putting upward pressure on bond yields and downward pressure on asset prices. So as this continues, this is a concern, because reduce the liquidity in the system by another $700 billion if it continues for another year, having said that there is still an enormous amount of excess liquidity in the system as a result of all of the money that the Fed has created, going back to 2008 I estimate that the excess liquidity is somewhere around three and a half trillion dollars. If you look at bank reserves and the reverse repos at the Fed is about three and a half trillion dollars of excess liquidity, and the Fed actually has to pay interest to the banks on their bank reserves to hold interest rates up. That's how the Fed controls the federal funds rate now. It pays the banks roughly right now, 4.8% interest on all of the banks bank reserves, and so the banks will not lend money to anyone at less than 4.8% interest, because the Fed will pay them 4.8% interest. Why would they lend to anyone else for less if it suddenly stopped paying interest on these bank reserves, these banks would look around and where would they invest their three and a half trillion dollars in? No one's going to pay them 4.8% or even 3.8% or 2.8% interest rates would plunge because of all the excess liquidity that exists. So this excess liquidity has been a thing that's been driving the economy since COVID started, and it's why we've managed to avoid recession, which everyone is expected to arrive any moment now for the last two and a half years. So there are concerns, but there are also, as always, other reasons for optimism.   Keith Weinhold  47:24   Well, that wealth to income ratio that Richard talked about, that's a calculation that you yourself can do. One's net worth is almost eight times their income now, which is at a historic high, which is one concerning point that Richard brought up. Well, Richard, I want you to tell us about your terrific video newsletter, macro watch unless you have any other last thoughts first.   Richard Duncan  47:51   well, just one last word on the US sovereign wealth fund. Thank you very much for giving me a chance to discuss that and to explain why both Democrats and Republicans are now in favor of establishing a US sovereign wealth fund, one of the few issues that has bipartisan support. And this must come as a surprise to many of your listeners and most Americans, in fact, why have both parties agreed on really setting up a US sovereign wealth fund? So I'm glad I've had a chance to explain it and why it's so urgently necessary. I'd just like to emphasize the extraordinary benefits that this delivers to the American people, both individually and at a national level, individually, in terms of medical breakthroughs and better health and much more rapid economic growth for the economy, so much more wealth and much more national security as well. So I hope the Americans will get on board with this idea and give it their full support, because it's exactly what our country needs to solve all the four issues, the major issues that I laid out at the beginning of this conversation. But with that said, if your listeners would like to learn more about my work, Macrowatch. Microwatch is a video newsletter. Every couple of weeks, I upload a new video discussing something important happening in the global economy and how that's likely to affect the stock market, property, currencies and commodities. They can find macro watch on my website, which is RichardDuncanEconomics.com that's RichardDuncanEconomics.com Macro Watch has been going on now for 11 years, they'll find more than 100 hours of videos in the microwatch archives. They can begin watching immediately, and they'll receive a new video every couple of weeks. And I'd like to offer your listeners a subscription discount. If they go to Richard Duncan economics.com and hit the subscribe button, they'll be prompted to put in a discount coupon code, if they put it in G, R, E, they can subscribe to macro watch at a 50% discount. That's great. That's GRE so I hope they'll check that out, and at the very least, they can sign up there for my free blog and follow my work that way.   Keith Weinhold  49:56   And I have benefited from consuming macro watch content myself over the years, allowing me to sort of stretch my thought process and go macro, which we don't always do as real estate investors. Oh, Richard, it's been valuable as always, and you really offered a solution, a way forward here, something that's really refreshing. It's been great as always, having you back on the show.   Richard Duncan  50:18   Yeah. Thank you very much. I look forward to the next time   Keith Weinhold  50:21   me too. when it comes to the term capitalism, if that's truly a system that we're no longer in, you know, it seems to get replaced with the word meritocracy, and that is a word that I like, meritocracy, where producers get rewards for being productive, but even that is under attack, and the government just always seems to be stepping in with a safety net. Seemingly everywhere you look, it won't let banks fail. We saw them jump in early last year with Silicon Valley Bank and other bank failures, the government won't let homeowners fail either. I mean, you don't have to think back very far with mortgage loan forbearance in the COVID era, on issues of the debt and deficit. Even Fed Chair Jerome Powell himself has called it unsustainable. That's the word that he used. Like Richard said today, we won't default. We'll just print more. So when it comes to the inflation versus deflation tug of war, the future keeps looking inflationary, but at what rate of inflation? That's what I don't know, and no one really knows. If you like Richard Duncan's content, and you sort of wished he and I's conversation would go on. Well, he is a regular guest here, so I expect him back. But if you're telling yourself, I want more of his content and I want to make it visual at the same time to help really bring this to life, well, visit RichardDuncanEconomics.com hit the subscribe button and get 50% off. That's five zero, 50% off with the discount code. GRE. Happy Veterans Day. Until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 2  52:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  52:46   The preceding program was brought to you by your home for wealth, building, getricheducation.com

Attention all Postal and Federal Employees: Open Season is just 4 days away... Are you ready? Change is not coming... It's already here! In this episode, Elizabeth Inman gives you important information about this year's Open Season as Postal workers and retirees face new challenges with the commencement of the new Postal Service Health Benefits Program. If you are unsure about the new program and how it works, we have good news for you. Elizabeth Inman and her team of benefit coordinators is ready to help you. We also have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Attention all Postal and Federal Employees:  Open Season is just days away... Are you ready? Do you know what to do? If you are unsure about the massive changes coming in the next few weeks, we have good news for you. Elizabeth Inman and her team of benefit coordinators is ready to help you. We also have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Attention all Postal and Federal Employees: Open Season is days away. Are you ready? Do you know what to do? If not, then this is a must-see video for you! In this episode, Elizabeth Inman shares Open Season enrollment instructions, as well as the exceptions to the new Integration with Medicare. Prescription coverage for Postal Annuitants and their Medicare-eligible family members will now be handled via Medicare Part D. If you are unsure about the massive changes coming in the next few weeks, we have good news for you. Elizabeth Inman and her team of benefit coordinators is ready to help you. We also have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918) 396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

ATTENTION ALL FEDERAL AND POSTAL EMPLOYEES: Did you know that the Federal Government is projecting that the end of 2024 will be a record year for Federal and Postal employees to retire? The end of the year is one of the most popular dates that Federal and Postal employees choose to retire. Are you planning to do the same? If so, watch this video for important instructions on "what and when" you need to get your retirement paperwork submitted. As a postal annuitant myself, I remember the challenges I faced when I chose to retire. It is literally the reason I chose to begin my second career of helping other federal and postal employees to retire. The decisions you make in the coming days and weeks before retirement can cost you dearly if you don't know exactly what to do... and NOT do! There are 7 dangers of Federal Retirement, and we want to help you navigate these challenges. We have a complimentary Federal Retirement Survival Kit that we would like to send to you. Simply request your Survival Kit by calling (918)396-5171. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

The new Postal Service Health Benefit Premiums have been announced! In this informative podcast, Elizabeth unveils the new online platform, www.Login.gov. Each week, Elizabeth Inman tackles vitally important information for our nation's Postal employees and annuitants (retirees). Don't miss our next few episodes as we do a deep dive on the new plans that are being offered. Subscribe to get more information coming this month regarding the Open Season which begins November 11, 2024 - December 9th, 2024.DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

We are just over 30 days away from Open Season. That got here fast! Do you have all the information you need to make a quality decision about your healthcare benefits? The new Postal Service Health Benefit Premiums have been announced, but the plan brochures aren't here yet. The good news? In this brief podcast, Elizabeth Inman shows you where you can go for up-to-the-minute news and information about health premiums, plan benefits, and best of all, where you can go to get cost savings now! Here is the link to download The PSHB Cost Savings for Medicare Enrollees: https://www.keepingposted.org/assets/pdf/pshb-cost-savings-for-medicare-enrollees.pdf Each week, Elizabeth Inman tackles vitally important information for our nation's Postal employees and annuitants (retirees). Don't miss our next few episodes as we do a deep dive on the new plans that are being offered. Subscribe to get more information coming this month regarding the Open Season which begins November 11, 2024 - December 9th, 2024.DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

The new Postal Service Health Benefit Plans have been announced! In this informative podcast, Elizabeth reviews CROSSWALK, the key to finding your enrollment codes and choosing your specific health plan. Last call... there's only 5 days left to sign-up for the Special Enrollment Period for Medicare Part B. Deadline: September 30, 2024. Links to the forms are listed in the description below. Information about the new plans can be found on the website: www.KeepingPosted.com. Each week, Elizabeth Inman tackles vitally important information for our nation's Postal employees and annuitants (retirees). The Special Enrollment Period to sign-up for Medicare Part B concludes on September 30th. If these Special Enrollment Medicare Part B forms are not completed and postmarked by September 30th, you will be hit with a penalty 0f 10% per year. You must act before September 30th, 2024! Don't miss our next few episodes as we do a deep dive on the new plans that are being offered. Subscribe to get more information coming this month regarding the Open Season which begins November 11, 2024 - December 9th, 2024.DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Elizabeth Inman shares vitally important information for our nation's Postal employees who are US Veterans. Listen in as Elizabeth Inman gives warning for those about to enroll in the Special Enrollment Period for Medicare Part B which is just about to end. There is an unforeseen conflict in coverage that US Veterans must be aware of in order to not lose existing benefits. If you are uncertain how to avoid this issue, call us and we will assist you. Call FEBC Offices: (918) 396-5171Special Enrollment Period Forms Download Links: Instructions on How to Apply for Medicare Part B (Medical Insurance): https://www.ssa.gov/pubs/EN-05-10012.pdf Application for enrollment in Medicare Part B (Medical Insurance): https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms40b-e.pdf CMS-L564: Request for Employment Information: https://www.cms.gov/cms-l564-request-employment-information Health Benefits Cancellation/Suspension Confirmation Form: https://www.opm.gov/forms/pdf_fill/ri79-9.pdf Contact The Center for Medicare & Medicaid Services: Medicare Service Center: 800-MEDICARE (800-633-4227) Or Visit www.CMS.gov. DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Calling all postal employees and retirees! Elizabeth Inman shares vitally important information for our nation's Postal employees and annuitants (retirees) regarding the Special Enrollment Period for Medicare Part B. If these Special Enrollment Medicare Part B forms are not completed and postmarked by September 30th, you will be hit with a penalty 0f 10% per year. You must act before September 30th, 2024! Don't miss our upcoming episodes as we do a deep dive on the new plans that are being offered. Subscribe to get more information coming this month regarding the Open Season which begins November 11, 2024 - December 9th, 2024. Special Enrollment Period Forms Download Links: Instructions on How to Apply for Medicare Part B (Medical Insurance): https://www.ssa.gov/pubs/EN-05-10012.pdf Application for enrollment in Medicare Part B (Medical Insurance): https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms40b-e.pdf CMS-L564: Request for Employment Information: https://www.cms.gov/cms-l564-request-employment-information Health Benefits Cancellation/Suspension Confirmation Form: https://www.opm.gov/forms/pdf_fill/ri79-9.pdf Contact The Center for Medicare & Medicaid Services: Medicare Service Center: 800-MEDICARE (800-633-4227) Or Visit www.CMS.gov. DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Get Your Social Security Report FREE when you request the FEBC Federal Retirement Survival Kit!Elizabeth Inman has made the process of retiring from the Federal Government much easier by creating a Federal Retirement "Survival Kit" that you can have for FREE (a $350. value). This includes a one-hour consultation where you can get all your questions answered and at the same time, receive printed step-by-step instructions and all of the beneficiary forms you must have to complete the retirement process. This is a must-have for anyone approaching Federal retirement. To get your FEBC Federal Retirement Survival Kit, click this link and fill out the "Contact Us" form at the bottom of this page: Click here: www.febcnow.com/17-point-assessment or Call: (918) 396-5171 or Email: elizabeth@FEBCnow.com DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Federal Retirement is Hard! So, what's the good news? Elizabeth Inman has made the process much easier by creating a Federal Retirement "Survival Kit" that you can have for FREE (a $350. value). This includes a one-hour consultation where you can get all your questions answered and at the same time, receive printed step-by-step instructions and all of the beneficiary forms you must have to complete the retirement process. This is a must-have for anyone approaching Federal retirement. To get your FEBC Federal Retirement Survival Kit, click this link and fill out the "Contact Us" form at the bottom of this page: Click here: www.febcnow.com/17-point-assessment or Call: (918) 396-5171 or Email: elizabeth@FEBCnow.com DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Federal Retirement is Hard! So, what's the good news?  Elizabeth Inman has made the process much easier by creating a Federal Retirement "Survival Kit" that you can have for FREE (a $350. value). This includes a one-hour consultation where you can get all your questions answered and at the same time, receive printed step-by-step instructions and all of the beneficiary forms you must have to complete the retirement process. This is a must-have for anyone approaching Federal retirement. To get your FEBC Federal Retirement Survival Kit, click this link and fill out the "Contact Us" form at the bottom of this page: Click here: www.febcnow.com/17-point-assessment Or you can call or email:    (918) 396-5171     elizabeth@FEBCnow.com DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Elizabeth Inman shares vitally important information for our nation's Postal annuitants (retirees) regarding the Special Enrollment Period happening right now (you must do this before September 30th, 2024)! In Part 4 of this step-by-step, four-part series, you will learn the exact forms and process you need to avoid big penalties and the links to these forms is below. Special Enrollment Period Forms Download Links: Instructions on How to Apply for Medicare Part B (Medical Insurance): https://www.ssa.gov/pubs/EN-05-10012.pdf Application for enrollment in Medicare Part B (Medical Insurance): https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms40b-e.pdf CMS-L564: Request for Employment Information: https://www.cms.gov/cms-l564-request-employment-information Health Benefits Cancellation/Suspension Confirmation Form: https://www.opm.gov/forms/pdf_fill/ri79-9.pdf Contact The Center for Medicare & Medicaid Services: Medicare Service Center: 800-MEDICARE (800-633-4227) Or Visit www.CMS.gov. DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Elizabeth Inman shares vitally important information for our nation's Postal annuitants (retirees) regarding the Special Enrollment Period happening right now (you must do this before September 30th, 2024)! In Part 3 of this step-by-step, four-part series, you will learn the exact forms and process you need to avoid big penalties and the links to these forms is below. Special Enrollment Period Forms Download Links: Instructions on How to Apply for Medicare Part B (Medical Insurance): https://www.ssa.gov/pubs/EN-05-10012.pdf Application for enrollment in Medicare Part B (Medical Insurance): https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms40b-e.pdf CMS-L564: Request for Employment Information: https://www.cms.gov/cms-l564-request-employment-information Health Benefits Cancellation/Suspension Confirmation Form: https://www.opm.gov/forms/pdf_fill/ri79-9.pdf Contact The Center for Medicare & Medicaid Services: Medicare Service Center: 800-MEDICARE (800-633-4227) Or Visit www.CMS.gov. DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Elizabeth Inman shares vitally important information for our nation's Postal annuitants (retirees) regarding the Special Enrollment Period happening right now (you must do this before September 30th, 2024)! In Part 2 of this step-by-step, four-part series, you will learn the exact forms and process you need to avoid big penalties and the links to these forms is below. Special Enrollment Period Forms Download Links: Instructions on How to Apply for Medicare Part B (Medical Insurance): https://www.ssa.gov/pubs/EN-05-10012.pdf Application for enrollment in Medicare Part B (Medical Insurance): https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms40b-e.pdf CMS-L564: Request for Employment Information: https://www.cms.gov/cms-l564-request-employment-information Health Benefits Cancellation/Suspension Confirmation Form: https://www.opm.gov/forms/pdf_fill/ri79-9.pdf Contact The Center for Medicare & Medicaid Services: Medicare Service Center: 800-MEDICARE (800-633-4227) Or Visit www.CMS.gov. DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

Elizabeth Inman shares vitally important information for our nation's Postal annuitants (retirees) regarding the Special Enrollment Period happening right now (you must do this before September 30th, 2024)!  In this step-by-step four-part series, you will learn the exact forms and process you need to avoid big penalties and the links to these forms is below. Special Enrollment Period Forms Download Links: Instructions on How to Apply for Medicare Part B (Medical Insurance): https://www.ssa.gov/pubs/EN-05-10012.pdf Application for enrollment in Medicare Part B (Medical Insurance): https://www.cms.gov/medicare/cms-form... CMS-L564: Request for Employment Information: https://www.cms.gov/cms-l564-request-... Health Benefits Cancellation/Suspension Confirmation Form: https://www.opm.gov/forms/pdf_fill/ri... FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-c... What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book:

Elizabeth Inman shares vitally important information for our nation's Postal annuitants (retirees) regarding the Special Enrollment Period happening right now. Learn how and when to take action that can save you from significant penalties. Federal employees will benefit from this information as this process is coming to the other Federal agencies soon! DID YOU KNOW?  There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT!  Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this season's third episode of the Federal Employee Benefit Coordinator's Podcast, Elizabeth Inman deconstructs the confusing details of the new Postal Health Benefit Plan. You will learn when you need to sign up for Medicare Part B and the financial penalties you will incur if you do not sign up at the right time. DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources: Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this season's second episode of the Federal Employee Benefit Coordinator's Podcast, Elizabeth Inman opens up about her past postal career, starting FEBC, and why she does what she does to help other Federal and Postal employees maximize their retirement. If you don't know who Elizabeth is... this one's for you. There are 5 dangers to Federal Retirement. Do you know what they are? If not, then we invite you to attend a free online educational seminar entitled "The 5 Dangers of Federal Retirement" today and Saturday. To register, visit: http://www.FEBCnow.com/5dangers DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources: Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this season's first episode of the Federal Employee Benefit Coordinator's Podcast, Elizabeth Inman shares the upcoming topics that will be covered in Season 4. There are 5 dangers to Federal Retirement. Do you know what they are? If not, then we invite you to attend a free online educational seminar entitled "The 5 Dangers of Federal Retirement" coming next week. To register, visit: http://www.FEBCnow.com/5dangers DID YOU KNOW? There are landmark changes coming over the next few months with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Get your 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources: Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this episode of the Federal Employee Benefit Coordinator's Podcast, Elizabeth Inman gives us an update on the current Open Season and specifically where you can go to get the rates and information you need to ensure you have made the right decisions for your 2024 healthcare needs. Many premiums have increased in price with less benefits. DID YOU KNOW? There are landmark changes coming with the new Postal Health Reform Act IN 2024. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources:Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this episode of the Federal Employee Benefit Coordinator's Podcast, Elizabeth Inman gives us an update on the current Open Season. There are only a few hours left to make changes to your plan.  Many premiums have increased in price with less benefits. Know which ones to look for. DID YOU KNOW? There are landmark changes coming with the new Postal Health Reform Act IN 2024. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources: Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this episode of the Federal Employee Benefit Coordinator's Podcast, Elizabeth Inman gives us an update on the current Open Season. There are only a few days lift to make changes to your plan.  DID YOU KNOW? There are landmark changes coming with the new Postal Health Reform Act IN 2024. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison. FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources: Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this episode of the Federal Employee Benefit Coordinator's Podcast, Elizabeth Inman gives us an update on the current Open Season.  DID YOU KNOW? There are landmark changes coming with the new Postal Health Reform Act IN 2024. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison.FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq  Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources:Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this episode of the Federal Employee Benefit Coordinator's Podcast, Elizabeth Inman gives us an update on new changes to the Thrift Savings Plan (TSP) Portal that will streamline both TSP withdrawals and loans. This is great news as it puts more information and control in YOUR hands. Elizabeth also shares some recent interactions her clients have had with TSP and highlights a few things to watch out for. DID YOU KNOW? There are landmark changes coming with the new Postal Health Reform Act IN 2024. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. Are you getting ALL of the Federal benefits you are entitled to? If you are not sure, then LET"S FIND OUT! Contact us today for a complimentary plan comparison.FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq  Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment  Subscribe today for more valuable information and FREE resources.  Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

FEBC's Elizabeth Inman interviews GEHA's RAj Vavilala to discuss this year's open season. What has changed this year? What do we need to look out for? Is there any new information on postal reform? There are landmark changes coming with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. FEBC has the information you need. Subscribe today so you don't miss anything! The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number?https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171 

In this episode of the Federal Employee Benefit Coordinator's Podcast, we hear valuable information about Medicare Part B election as the Postal Service Health Benefits Program approaches. There has not been a lot of information made available to postal employees, but we have the details you need to know to protect the health benefits for you AND your family. There are landmark changes coming with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. FEBC has the information you need. Subscribe today so you don't miss anything! The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-c... What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-trans... Free 17-point Assessment for Federal Retirement:

What are the coming changes for Postal employees and retirees health benefits and premiums? We find out in this second portion of an interview with Federal Insurance expert, Kerin Barngrover. There are landmark changes coming with the new Postal Health Reform Act. Elizabeth Inman is leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. FEBC has the information you need. To watch part one and two of this interview: Part One: https://youtu.be/orCgmHeRvSg Part Two: https://youtu.be/XoIyDA98ObA Subscribe today so you don't miss anything! The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? FEBC Online Resources: https://febcnow.com/resource-center • The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator • What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: • The TSP Millionaire Book: https://febcnow.com/#formblock • The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form • Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition • Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

What are the coming changes for Postal employees and retirees health benefits and premiums? We find out in this second portion of an interview with Federal Insurance expert, Kerin Barngrover. There are landmark changes coming with the new Postal Health Reform Act. Elizabeth Inman is leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. FEBC has the information you need. To listen to part one of this interview, click here:https://youtu.be/orCgmHeRvSgSubscribe today so you don't miss anything! The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? FEBC Online Resources:  https://febcnow.com/resource-center • The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator • What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: • The TSP Millionaire Book: https://febcnow.com/#formblock • The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form • Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition • Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources:Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

What are the coming changes for Postal employees and retirees health benefits and premiums? We find out in this first-of-three episodes of the FEBC podcast. Elizabeth Inman has a candid conversation with a senior insurance executive. There are landmark changes coming with the new Postal Health Reform Act. Elizabeth Inman is leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. FEBC has the information you need. Subscribe today so you don't miss anything! The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes from Season Three: Part One:    • Postal Reform–Par...  Part Two:    • Postal Reform–Par...  Part Three:    • Postal Reform–Par...  Part Four:    • Postal Reform–Par...  Part Five:    • Postal Reform–Par...  Part Six:    • Postal Reform–Par...  Part Seven:    • Postal Reform–Par...  Part Eight:    • Postal Reform–Par...  Part Nine:    • Who is Bryan Fent...  Part Ten:  • https://youtu.be/TyBsOJDoxZkFEBC Online Resources: https://febcnow.com/resource-center • The TSP Calculator: https://febcnow.com/tsp-millionaire-c... • What is my Risk Number? https://go.riskalyze.com/start-rq • Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Free Download Resources from FEBC: • The TSP Millionaire Book

In this follow-up episode of the Federal Employee Benefit Coordinator's Podcast, we hear valuable information from FEBC Vice-President and Elizabeth's son, Bryan Fentress. So, what's going on in the Postal world that has so many employees and retirees calling these two? It's the landmark changes coming with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nation's largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. FEBC has the information you need. Subscribe today so you don't miss anything! The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes: Part One: https://youtu.be/Tpi9A1dkZek Part Two: https://youtu.be/-nuo3ifm_ik Part Three: https://youtu.be/8qxbJ0I-fsw Part Four: https://youtu.be/HxTQES3U3lo Part Five: https://youtu.be/x3VNZVdxAeE Part Six: https://youtu.be/XIIikab_kMg Part Seven: https://youtu.be/7lrawLkqsk4 Part Eight: https://youtu.be/qZWR1s5y7a4 Part Nine: https://youtu.be/5yPF0UKNaT4 FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In this unique episode of the Federal Employee Benefit Coordinator's Podcast, we finally get to meet FEBC Vice-President and Elizabeth's son, Bryan Fentress. So, what's going on in the Postal world that has so many employees and retirees calling these two? It's the landmark changes coming with the new Postal Health Reform Act. Elizabeth and Bryan are leading a nationwide campaign to help you, the Federal and Postal employee get educated and manage the changes that are coming soon to one of the nations largest health programs. You need to be informed so as these changes take place, you can make the best decisions for you and your family. FEBC has the information you need. Subscribe today so you don't miss anything! The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes: Part One: https://youtu.be/Tpi9A1dkZek Part Two: https://youtu.be/-nuo3ifm_ik Part Three: https://youtu.be/8qxbJ0I-fsw Part Four: https://youtu.be/HxTQES3U3lo Part Five: https://youtu.be/x3VNZVdxAeE Part Six: https://youtu.be/XIIikab_kMg Part Seven: https://youtu.be/7lrawLkqsk4 Part Eight: https://youtu.be/qZWR1s5y7a4 FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-c... What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary:

In part eight of this FEBC podcast series on the Postal Reform Act, Elizabeth Inman talks about how the USPS Health Benefit Program (Postal Reform) will affect Annuitants (Retired Postal Employees). What will you need to know before the Open Season? What are you required to do during the Open Season? Find out in this week's podcast. The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes: Part One: https://youtu.be/Tpi9A1dkZek Part Two: https://youtu.be/-nuo3ifm_ik Part Three: https://youtu.be/8qxbJ0I-fsw Part Four: https://youtu.be/HxTQES3U3lo Part Five: https://youtu.be/x3VNZVdxAeE Part Six: https://youtu.be/XIIikab_kMg Part Seven: https://youtu.be/7lrawLkqsk4 FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171

In part seven of this FEBC podcast series on the Postal Reform Act, Elizabeth Inman talks about how the USPS Health Benefit Program (Postal Reform) will affect postal retirees (also known as Annuitants). How will this new program affect your out of pocket expenses? Find out in this week's podcast. The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes: Part One: https://youtu.be/Tpi9A1dkZek Part Two: https://youtu.be/-nuo3ifm_ik Part Three: https://youtu.be/8qxbJ0I-fsw Part Four: https://youtu.be/HxTQES3U3lo Part Five: https://youtu.be/x3VNZVdxAeE Part Six: https://youtu.be/XIIikab_kMg FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: Federal Employee Benefit Coordinators Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171 

In part six of this FEBC podcast series on the Postal Reform Act, Elizabeth Inman talks about the three exceptions to the USPS Health Benefit Program requirement to enroll in Medicare Part B. These exceptions apply to both you and your family's health coverage. Do you quality for these exceptions? Are there other alternatives to be considered? Find out in this week's podcast. The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes: Part One: https://youtu.be/Tpi9A1dkZek Part Two: https://youtu.be/-nuo3ifm_ik Part Three: https://youtu.be/8qxbJ0I-fsw Part Four: https://youtu.be/HxTQES3U3lo Part Five: https://youtu.be/x3VNZVdxAeE FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: FEBC Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171 In this Podcast Episode: 00:00 Introduction 01:49 What it means to suspend your coverage versus dropping coverage 07:50 The three exceptions to enrolling in Medicare Part B 09:21 Resources you can access now

In part five of this FEBC podcast series on the Postal Reform Act, Elizabeth Inman talks about the coming changes to the USPS Health Benefit Program and specifically how this new program will affect your family and their health coverage, based on your age at the time of selection.  Will you have to enroll your family in Medicare Part B?  What are the exceptions?  Find out in this weeks podcast. The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes: Part One: https://youtu.be/Tpi9A1dkZek Part Two: https://youtu.be/-nuo3ifm_ikPart Three: https://youtu.be/8qxbJ0I-fsw Part Four:  https://youtu.be/HxTQES3U3loFEBC Online Resources: https://febcnow.com/resource-centerThe TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblockThe TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-formSix Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment  Subscribe today for more valuable information and FREE resources.  Contact Us: FEBC Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171 In this Podcast Episode: 00:00 Introduction 01:08 Will this Postal Reform Act affect Federal Employees?02:57 What to do if you are Age 64 or older - your Medicare Part B election.03:56 What to do if you are younger than Age 64 - your Medicare Part B election.04:21 What about my family members and their health coverage?07:21 Resources you can access now

In part four of this new FEBC podcast series on the Postal Reform Act, Elizabeth Inman talks about the coming changes to the USPS Health Benefit Program and how this new program will affect those who are approaching retirement.  Will you have to enroll in Medicare Part B?  What are the exceptions?  What about the rest of my family?  Find out in this weeks podcast. The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes: Part One: https://youtu.be/Tpi9A1dkZek Part Two: https://youtu.be/-nuo3ifm_ikPart Three: https://youtu.be/8qxbJ0I-fsw FEBC Online Resources: https://febcnow.com/resource-centerThe TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq  Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblockThe TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-formSix Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment  Subscribe today for more valuable information and FREE resources.  Contact Us: FEBC Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171 In this Podcast Episode: 00:00 Introduction 01:07 Now it the time to make decisions02:09 How this new law will affect both Postal AND Federal employees.05:26 A review of what we've discussed so far11:26 How this law will affect Medicare Part B12:59 Resources you can access now

In part three of this new FEBC podcast series on the Postal Reform Act, Elizabeth Inman talks about the coming changes to the USPS Health Benefit Program and how OPM is launching a new enrollment platform that will be a significant undertaking with heavy call volume expected. The Postal Reform Act raises these concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health? Previous Postal Health Reform Episodes: Part One: https://youtu.be/Tpi9A1dkZek Part Two: https://youtu.be/-nuo3ifm_ik FEBC Online Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: FEBC Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171 In this Podcast Episode: 00:00 Introduction 01:29 Federal vs. Postal Benefits 01:58 Changes coming to Federal employees in the future 02:12 Review of Part One & Two of this series 02:55 OPM is launching a new enrollment platform 03:50 The 2023 upcoming Open Season - heavy call volume 04:52 Federal programs will follow after Postal Reform 07:35 Free Resources available to you right now

In part two of this new FEBC podcast series on the Postal Reform Act, Elizabeth Inman talks about the coming changes to the USPS Health Benefit Program and how this is a precursor to changes that will be made within the other Federal agencies in years to come. The Postal Reform Act raises these concerns for both Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health?FEBC Online Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: FEBC Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171 In this Podcast Episode: 00:00 Introduction 00:46  Why is this legislation so important to Federal and Postal employees?01:38  The law behind the Postal Reform Act02:12  How this legislation will affect Federal employees now, & in years to come03:18  How a Pool Risk works and affects premiums and benefits05:55  Selecting a plan during open season in 2024 within only 1 month of plan review07:13  How you can access FREE information now to get educated07:56  Resources available to you right now

In this new FEBC podcast series, Elizabeth Inman takes a deep dive into Postal Reform and talks about the coming changes to the USPS Health Benefit Program. There are two main concerns for Postal & Federal Retirees: 1. Am I going to have enough income in retirement? 2. What if something significant happens to my health?FEBC Online Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources from FEBC: The TSP Millionaire Book: https://febcnow.com/#formblock The TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transition Free 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessment Subscribe today for more valuable information and FREE resources. Contact Us: FEBC Website: www.FEBCnow.com Call FEBC Offices: (918) 396-5171 In this Podcast Episode: 00:00 Introduction 01:02 Postal Reform 8-part series 01:29 Sweeping Reform of the USPS Health Benefit Program 02:21 OPM is moving to the Cloud 03:30 Postal Reform of 2023 05:00 The topics to be discussed in this series

In this final episode in the TSP Millionaire Podcast, Elizabeth reveals a powerful tool to help you grow and protect your TSP account, the Risk-Guard™ Process.FEBC Online Resources: https://febcnow.com/resource-center The TSP Calculator: https://febcnow.com/tsp-millionaire-calculator What is my Risk Number? https://go.riskalyze.com/start-rq Free Download Resources: The TSP Millionaire Book: https://febcnow.com/#formblockThe TSP Risk-Guard Exec Summary: https://febcnow.com/riskguard-form Six Keys to Understanding the New TSP Mutual Fund Window: https://febcnow.com/landing-tsp-transitionFree 17-point Assessment for Federal Retirement: https://febcnow.com/17-point-assessmentHow to Become a TSP Millionaire - Links to the Podcast Series: Part 1: https://youtu.be/QzelFmY1JD0 Part 2: https://youtu.be/T3ZAAXa_msM Part 3: https://youtu.be/EZR8FTDeXzY Part 4: https://youtu.be/EIj7sGPozdg Part 5: https://youtu.be/t3AuTJs1gCc Subscribe today for more valuable information and FREE resources. Contact Us: FEBC Website: www.FEBCnow.com Email Elizabeth Inman: Elizabeth@FEBCnow.com Email Bryan Fentress: Bryan@FEBCnow.com Call FEBC Offices: (918) 396-5171 In this Podcast Episode: 00:00 Introduction 00:52 Three FREE documents that can help you become a TSP Millionaire 02:47 Introducing the Risk-Guard™ Proprietary Process 03:53 How Risk-Guard™ Works 05:08 Risk-Guard™ Executive Summary 06:43 The Risk-Number and How to Calculate Yours 07:45 The TSP Millionaire Calculator 08:32 A Real-Life Example of the Risk-Guard Process 11:09 Six Keys to Understanding the TSP Mutual Fund Window

Do you know your own risk numbers? If not, your portfolio might be out of whack, and it's easy to be frustrated by returns, frightened into cash holdings, and as a whole, it's harder to hit your retirement goals. We start off today's episode with a quick story about two farmers, Melvin and John. We next move into what our firm calls your "Risk Profile" made up of 3 scores: your risk preference, your risk capacity, and the risk score of your current portfolio. We finish up by talking through the PDF visual that you can find below by clicking "Additional Resources," and we offer you the opportunity to discover your own Risk Profile by completing the risk assessment linked below. Schedule an Intro Call with Loren   Resources mentioned on today's show: Risk Assessment Link Standard Deviation    What is a Fiduciary? About Me Podcast Page  For questions, comments, or to receive your own RETIREMENT RISKS ANALYSIS, you can start with a 2 minute quiz here: Share More & Get in Touch  You can also find Loren at shermanl@integrityguidance.com    Additional Resources Discussed on the Show Healthy, Wealthy, & Wise YouTube

DIY Investor MistakesAre you a DIY Investor? Good for you! I'm a DIY kind of guy. I do my own pool maintenance, cut my own lawn, and change my own oil. Believe it or not, I cut my own hair. I became a DIY Investor just about the time Enron imploded. The first company stock I bought was TICO because I watched PBS interview Dennis Kozlowski and I thought, I like that guy. I trusted him and I bought his stock the next day. Big mistake.As a DIY Investor I've made every mistake imaginable. In 2007, December 14 (my 25th wedding anniversary) I hired my first Wall Street Financial Advisor at Merril Lynch. That was one of the biggest mistakes of my financial life.One of the things I really appreciated about my Financial Advisor (even thought he worked in a very broken system on Wall Street) was having someone on my team who had access to tons of tools and information that I just didn't have.DIY Investor InvitationIf you're a DIY Investor, I want to invite you to take advantage of BayRock Financial. I built BayRock to appeal to DIY Investors. My first recomendation is simple: Get Your Risk Number. Visit BayRockFinancial.com and click on the Blue Button at the top of the page next to the BayRock logo and take our 5 minute risk survey. If you want to email me your investment statement, I'll do a portfolio review to show you how much risk you have compared to how much risk you want. I'll tell you what I'm doing with my money now and you'll get to see why I recommend the BayRock Bull Bear Strategy for many (not all) of my current clients. How BayRock Helps DIY Investors:BayRock is dedicated to helping individual investors, families, and business owners manage the risk and opportunity of everyday life, recover from the unexpected, and realize their highest purpose. Get Your Risk NumberSubscribe to the Missional Money PodcastFree Online Course: Make Your Money CountUpdate Your Plan!Track Your Progress Download our Mobile App (RightCapital)DIY Investor BlueprintWhether you're a DIY Investor or a professional Investment Advisor, you need to have a good plan for managing your wealth and while that includes managing your investment portfolio, there is much more to consider. In my book, Make Your Money Count, I outline a holistic process for financial planning. The metaphor I use in the book is The Blueprint for Financial Success™. The Blueprint for Financial Success™DIY Investor StrategiesAll good investment strategies are designed to maximmize...

In this episode host Josh Nelson offers you an opportunity to discover your risk number. It's the number that matches up with the "turbulence" that you're willing to tolerate in your own portfolio. On a scale of 1 to 99 how much of a financial risk taker are you? It's important that you know this number so that your portfolio performs optimally for you.  In this episode explains the risk number in greater detail and offers a free tool to assess your risk number on the Keystone Financial website. Contact:https://josh@keystonefinancial.comEpisode Transcripts:https://wiserfinancialadvisor.buzzsprout.com/

Welcome UH Faculty and Students!Visit UHFinance.com to learn more andSubscribe to Missional Money PodcastEnroll to Make Your Money Count (Course)SignUp and Let's Make a Plan!Make Your Money Count (Online Course)FREE for Faculty and Students at the Bauer College of Business at University of Houston.Your Family MembersYour Friends and Your AssociatesInvest Without Guessing About RiskTake our 5 Minute Risk SurveyPutting Your the Risk Number at the center of your planning process helps you manage the risk and opportunity of everyday life, recover from the unexpected, and realize your highest purpose. We'll use your Risk Number to analyze and monitor every single security in your portfolioWe then run a cross-correlation analysis under the hood and roll it up for your family's portfolioThis ensures the highest possible level of transparencyYou get sophisticated analytics to help you manage the risk — and opportunity — of everyday life.Let's Talk About Your Risk NumberRather than getting caught up in the ocean of information available online and elsewhere, it's important to focus on reliable sources of data that have stood the test of time – delivered to you in a format you can easily understand.Let's Put Your Risk Number at the center of your planWe'll use your Risk Number to analyze and monitor every single security in your portfolioWe'll run a cross-correlation analysis under the hood of your entire portfolioWe'll give you the highest possible level of transparency into your investmentsWe'll deliver sophisticated analytics to help you manage the risk — and opportunity — of everyday life. How to Build a Better RetirementJim Munchbach is dedicated to helping individual investors, families, and business owners manage the risk and opportunity of everyday life, recover from the unexpected, and realize their highest purpose. Save More MoneyInvest More CarefullyPay Less TaxesTax Efficient Planning StrategiesThe second law of personal finance is the law of Tax-Advantaged Investing. The IRS makes the law. Your job is to take advantage of the law. By creating a Tax-Advantaged Investment Plan, you will pay lower taxes, save more money and build a better retirement. How to Setup Your Plan

Download the “65 Investment Terms You MUST Know to Reach Your Financial Goals In The Shortest Time Possible” for FREE by going to https://TodaysMarketExplained.com/ Trust us, this free gift will be your cheat sheet for reaching your financial goals in the shortest time possible! Aaron Klein (@AaronKlein) is co-founder and CEO at Riskalyze, the company that invented the Risk Number® and empowers anyone to become a fearless investor. The company is headquartered in Auburn, California and serves thousands of financial advisors. https://www.linkedin.com/in/aaronklein/ https://www.aaronklein.com/ https://twitter.com/AaronKlein Follow @TodaysMarketExplained on TikTok, Instagram, and YouTube to see short videos of all the best and most valuable moments from this episode! Connect with Brian Kasal and TME: To see the complete show notes, specific links to everything mentioned, and videos of the best moments from the episode please go to https://todaysmarketexplained.com/ Follow TME on TikTok: https://www.tiktok.com/@TodaysMarketExplained Follow TME on Instagram: https://www.instagram.com/TodaysMarketExplained Subscribe on YouTube: https://www.youtube.com/channel/UCYjCaTkX698mc6yAFaFz4tg Like TME on Facebook: https://www.facebook.com/TodaysMarketExplained Follow TME on Twitter: https://twitter.com/PodcastTME DISCLAIMER: This podcast is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

Risk has always been a part of financial advice and strategy. But what does it really entail, both for advisors and for their clients? In today's episode, Jack talks with Aaron Klein, Co-Founder & CEO of Riskalyze. Aaron is an innovator in helping advisors and clients understand and manage risk. He started Riskalyze a decade ago with a small team and invented risk solutions like the Risk Number and the Risk Alignment Platform. Aaron talks with Jack about the evolution of risk solutions, the impact of focused innovation on financial advisors, and the future of a multi-platform world. Key Takeaways [01:05] - How Aaron learned “grit” in business. [03:12] - The Riskalyze origin story. [11:36] - How the HG Capital and Riskalyze partnership came to be. [15:07] - How Riskalyze became a risk-centered wealth platform. [18:01] - What a multi-platform future looks like. [20:36] - Why focus is so important. [24:57] - Aaron's three key takeaways. Quotes [05:52] - "It took off like a rocket when Riskalyze came out of beta in March of 2013. And here we are 10 years later. We get to serve tens of thousands of financial advisors across the country, and we've delivered over five billion risk numbers to their clients. It's really incredible." - Aaron Klein [14:54] - "We started from the standpoint of, how can we help advisors better engage with clients at the front end of their process? And we just happened to believe that risk was the right way to engage with clients, that it was the right lens to help clients understand what they were doing and make better decisions that were fearless decisions instead of fearful decisions." - Aaron Klein [17:13] - "What we are building is a bit of an advisor desktop platform. We really believe in a multi-platform vision. We want to make sure it's really easy for advisors to engage with clients and leverage those tools, and then implement those solutions for clients directly onto the different platforms that they might be on." - Aaron Klein Links  Aaron Klein on LinkedIn Riskalyze E-trade The New York Times Barrons NPR Josh Brown Pershing INSITE Conference Brian MacLaughlin FTV Capital HG Capital Black Diamond Capital Management Envestnet Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Podcast: Model FA Podcast (LS 36 · TOP 2.5% what is this?)Episode: The Guide is Not the Hero: Financial Advisors and the Power of Storytelling with Aaron KleinPub date: 2021-10-19Aaron Klein is the co-founder and CEO of Riskalyze, the organization that invented the Risk Number, empowering the world to invest fearlessly. Under Aaron's leadership, Riskalyze has grown to serve thousands of financial advisors and has been recognized by Fast Company Magazine as one of the world's top ten most innovative companies in finance. InvestmentNews has named Aaron one of the industry's Top 40 Under 40 executives. In addition to his responsibilities at Riskalyze, Aaron actively performs humanitarian work. He has co-founded and serves as a board member of Hope Takes Root, an initiative to serve orphans and vulnerable kids in Ethiopia, and serves on the board of Invest in Others, an organization that supports financial advisors who give back to their communities. Aaron joins me today to discuss how financial advisors can harness the power of storytelling to foster their connection with clients. He describes how the impetus behind Riskalyze started in a conversation between friends. He defines what the “red pill” principle is and shares the different personal routines he maintains to help him balance his time between family and business. He also discusses how clients seldom make long-term decisions, highlights how social media can be used for positive outcomes, and underscores the relationship between storytelling and good selling.   “Painting yourself as the hero instead of a guide leaves your clients as a spectator. You can't be a successful financial advisor until the client takes an active role in the story.” - Aaron Klein   This week on The Model FA Podcast: Aaron's backstory and why Riskalyze made a pivot to the B2B space The “Apollo 13” question and how Riskalyze started as a conversation between friends The “red pill” principle and the difficulty and wonder of being an entrepreneur Mindsets and personal routines that help Aaron stay positive and persevere through challenges Unlocking the secrets of powerful storytelling How clients make short-term decisions that serve as fuel for their long-term vision Using the C3 list to commit to the process of success The law of diminishing returns in social media Using capitalism to pull people out of poverty   Resources Mentioned: Book: What Great Salespeople Do: The Science of Selling Through Emotional Connection and the Power of Story by Michael T. Bosworth Book: Working Backwards: Insights, Stories, and Secrets from Inside Amazon by Colin Bryar and Bill Carr Book: Amazon Unbound: Jeff Bezos and the Invention of a Global Empire by Brad Stone Book: The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers by Ben Horowitz   Our Favorite Quotes: “There are ups and downs and ebbs and flows in the entrepreneurial journey. It's important to have an aspect of your life that's foundational and stable. For me, that's my personal routine.” - David DeCelle “A start-up is a process of learning. It's about how much tenacity and drive you have to extend that learning experience long enough to get you to the other side.” - Aaron Klein “Ensure that the client feels educated and empowered to make decisions that can save themselves.” - David DeCelle   Connect with Aaron Klein: Riskalyze Riskalyze on LinkedIn Riskalyze on Facebook Riskalyze on Twitter Email: ak@riskalyze.com Aaron Klein on LinkedIn Aaron Klein on Instagram Aaron Klein on Facebook Aaron Klein on Twitter   About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes  to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no “gotchas” or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams.    Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered.    Our Team: President of Model FA, David DeCelle   If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.The podcast and artwork embedded on this page are from Model FA, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Podcast: The Model FA (LS 35 · TOP 3% what is this?)Episode: The Guide is Not the Hero: Financial Advisors and the Power of Storytelling with Aaron KleinPub date: 2021-10-19Aaron Klein is the co-founder and CEO of Riskalyze, the organization that invented the Risk Number, empowering the world to invest fearlessly. Under Aaron's leadership, Riskalyze has grown to serve thousands of financial advisors and has been recognized by Fast Company Magazine as one of the world's top ten most innovative companies in finance. InvestmentNews has named Aaron one of the industry's Top 40 Under 40 executives. In addition to his responsibilities at Riskalyze, Aaron actively performs humanitarian work. He has co-founded and serves as a board member of Hope Takes Root, an initiative to serve orphans and vulnerable kids in Ethiopia, and serves on the board of Invest in Others, an organization that supports financial advisors who give back to their communities. Aaron joins me today to discuss how financial advisors can harness the power of storytelling to foster their connection with clients. He describes how the impetus behind Riskalyze started in a conversation between friends. He defines what the “red pill” principle is and shares the different personal routines he maintains to help him balance his time between family and business. He also discusses how clients seldom make long-term decisions, highlights how social media can be used for positive outcomes, and underscores the relationship between storytelling and good selling.   “Painting yourself as the hero instead of a guide leaves your clients as a spectator. You can't be a successful financial advisor until the client takes an active role in the story.” - Aaron Klein   This week on The Model FA Podcast: Aaron's backstory and why Riskalyze made a pivot to the B2B space The “Apollo 13” question and how Riskalyze started as a conversation between friends The “red pill” principle and the difficulty and wonder of being an entrepreneur Mindsets and personal routines that help Aaron stay positive and persevere through challenges Unlocking the secrets of powerful storytelling How clients make short-term decisions that serve as fuel for their long-term vision Using the C3 list to commit to the process of success The law of diminishing returns in social media Using capitalism to pull people out of poverty   Resources Mentioned: Book: What Great Salespeople Do: The Science of Selling Through Emotional Connection and the Power of Story by Michael T. Bosworth Book: Working Backwards: Insights, Stories, and Secrets from Inside Amazon by Colin Bryar and Bill Carr Book: Amazon Unbound: Jeff Bezos and the Invention of a Global Empire by Brad Stone Book: The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers by Ben Horowitz   Our Favorite Quotes: “There are ups and downs and ebbs and flows in the entrepreneurial journey. It's important to have an aspect of your life that's foundational and stable. For me, that's my personal routine.” - David DeCelle “A start-up is a process of learning. It's about how much tenacity and drive you have to extend that learning experience long enough to get you to the other side.” - Aaron Klein “Ensure that the client feels educated and empowered to make decisions that can save themselves.” - David DeCelle   Connect with Aaron Klein: Riskalyze Riskalyze on LinkedIn Riskalyze on Facebook Riskalyze on Twitter Email: ak@riskalyze.com Aaron Klein on LinkedIn Aaron Klein on Instagram Aaron Klein on Facebook Aaron Klein on Twitter   About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes  to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no “gotchas” or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams.    Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered.    Our Team: President of Model FA, David DeCelle   If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.The podcast and artwork embedded on this page are from David DeCelle, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Aaron Klein is the co-founder and CEO of Riskalyze, the organization that invented the Risk Number, empowering the world to invest fearlessly. Under Aaron's leadership, Riskalyze has grown to serve thousands of financial advisors and has been recognized by Fast Company Magazine as one of the world's top ten most innovative companies in finance. InvestmentNews has named Aaron one of the industry's Top 40 Under 40 executives. In addition to his responsibilities at Riskalyze, Aaron actively performs humanitarian work. He has co-founded and serves as a board member of Hope Takes Root, an initiative to serve orphans and vulnerable kids in Ethiopia, and serves on the board of Invest in Others, an organization that supports financial advisors who give back to their communities. Aaron joins me today to discuss how financial advisors can harness the power of storytelling to foster their connection with clients. He describes how the impetus behind Riskalyze started in a conversation between friends. He defines what the “red pill” principle is and shares the different personal routines he maintains to help him balance his time between family and business. He also discusses how clients seldom make long-term decisions, highlights how social media can be used for positive outcomes, and underscores the relationship between storytelling and good selling.   “Painting yourself as the hero instead of a guide leaves your clients as a spectator. You can't be a successful financial advisor until the client takes an active role in the story.” - Aaron Klein   This week on The Model FA Podcast: Aaron's backstory and why Riskalyze made a pivot to the B2B space The “Apollo 13” question and how Riskalyze started as a conversation between friends The “red pill” principle and the difficulty and wonder of being an entrepreneur Mindsets and personal routines that help Aaron stay positive and persevere through challenges Unlocking the secrets of powerful storytelling How clients make short-term decisions that serve as fuel for their long-term vision Using the C3 list to commit to the process of success The law of diminishing returns in social media Using capitalism to pull people out of poverty   Resources Mentioned: Book: What Great Salespeople Do: The Science of Selling Through Emotional Connection and the Power of Story by Michael T. Bosworth Book: Working Backwards: Insights, Stories, and Secrets from Inside Amazon by Colin Bryar and Bill Carr Book: Amazon Unbound: Jeff Bezos and the Invention of a Global Empire by Brad Stone Book: The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers by Ben Horowitz   Our Favorite Quotes: “There are ups and downs and ebbs and flows in the entrepreneurial journey. It's important to have an aspect of your life that's foundational and stable. For me, that's my personal routine.” - David DeCelle “A start-up is a process of learning. It's about how much tenacity and drive you have to extend that learning experience long enough to get you to the other side.” - Aaron Klein “Ensure that the client feels educated and empowered to make decisions that can save themselves.” - David DeCelle   Connect with Aaron Klein: Riskalyze Riskalyze on LinkedIn Riskalyze on Facebook Riskalyze on Twitter Email: ak@riskalyze.com Aaron Klein on LinkedIn Aaron Klein on Instagram Aaron Klein on Facebook Aaron Klein on Twitter   About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes  to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no “gotchas” or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams.    Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered.    Our Team: President of Model FA, David DeCelle   If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

Riskalyze, first in class, is empowering IHP Advisors to help clients mathematically pinpoint a their Risk Number® and empower fearless investors.

Most people have a goal of owning investments that they're comfortable with. Understanding the difference between risk tolerance and risk capacity will help you achieve your goals and avoid running out of money before running out of life. ================ LISTENER QUESTION/COMMENTS ================ We are building a mobile home empire. Is it better to go all in on real estate or continue to put money into my 401k/457 (Alejandra) Is this year or next year better to convert a SEP IRA to a Roth (Andrew) With the uncertainty of student loan forgiveness, is it better to wait and see what the administration does or just pay them off now (General Kinobi) ================ TOPICS ================ Travel Alert: What a world wide cruise could cost you. Fun Facts: Cardiac Sweepstakes ================ ENCORE ================ Find out your Risk Number: https://rockstarfinancialplanning.com/risk-number/ Get your questions answered on the show: https://GoAskScott.com

In this episode we chat with Aaron Klein, Co-founder and CEO of Riskalyze.  Riskalyze invented the Risk Number, which enables financial advisors to use data to construct portfolios most suitable for their clients risk profile.  Advisors, broker-dealers, RIAs and asset managers use the Riskalyze platform to create alignment between clients and portfolios, leverage sophisticated analytics to increase the quality of their advice, automate trading and client account management, and access world-class models and research. We discuss why today's financial advisors often lack the necessary tools to adequately serve their clients, the methodology behind the riskalyze platform, and Aaron's key tenets to scaling his company among many other topics. We hope you enjoy the show.  

1. Risk is an emotional motivator: We are twice as concerned about avoiding losses than we are about achieving potential gains. 2. Risk vs. Reward: The risk you want and the risk you need and the risk you have can impact your financial goals.  3. Risk in a portfolio can be defined and discovered. Powerful software tools can shed light on your risk profile. That is important to know.

Aaron Klein is the co-founder and CEO of Riskalyze, one of the most popular risk alignment tools in the financial services industry today, whose mission is to empower the world to invest fearlessly by pinpointing an investor's risk number to build just the right portfolio for every individual. He is also the co-founder of Hope Takes Root, an initiative that is changing the future for orphans and at-risk kids in Ethiopia. Listen in as Aaron and I discuss how the global pandemic has launched us into a "risk-first" decade, why financial advisors without a risk alignment tool in 2020 are like advisors without computers in 2000, and why using a quantitative approach to risk assessment is superior to a qualitative one. You'll hear how the Risk Number® can help financial advisors harness investor behavior rather than change it, and his single best piece of advice for making ERISA fiduciaries smarter by getting participants fully bought into their investments.  You'll also hear his personal story about international adoption, and what led him and his wife to co-found Hope Takes Root.

Family Wealth Builder of Houston has decided to do something we've never done before. We're calling it Family Wealth Bootcamp, and we’re promoting it with  a Year Long Giveaway. That's right, we're going to be giving away an entire year of Family Wealth Bootcamp complete with tips, tools, and strategies. We’re giving away an all inclusive Premium Membership valued at $2500 — for free. But wait, it gets even better! Just by entering the drawing you'll get immediate access to three incredible bonuses which I'll tell you about in just a sec.    Since obviously, one of you can win our Premium Membership Package, I want to make sure you have the opportunity to enter now by signing up at FamilyWealthBootcamp.com.   So, here's how works, simply sign up at FamilyWealthBootcamp.com and you'll instantly be entered into our Family Wealth Bootcamp Year Long Giveaway where the winner will receive a 100% completely free year of our premium membership package valued at over $2500 — plus, when you sign up right now, you'll instantly receive these 4 incredible bonuses.    Family Wealth Bootcamp will get you started for a $6 investment. We offer no money back guarantee. All sales are final.   This is a special limited offer open to the next 100 people who sign up at FamilyWealthBootcamp.com   For 6 Bucks, you get this Big Bonus Bundle which includes:   Bonus #1: Special Limited Hard Cover Edition of Jim’s Book Make Your Money Count for Individual Investors, or What Matters Most for Financial Advisors   Bonus #2: The Blueprint for Financial Success, our proprietary financial planning tool for individual investors, families, and business owners. (Also our signature training tool for Financial Advisors).    Bonus #3:  Private Planning Portal We believe every family deserves a quality financial plan, and every plan starts with The Blueprint for Financial Success. The Private Planning Portal is provided by our Technology partner Pie Tech, makers of MoneyGuidePro, our financial planning tool of choice.   Bonus #4: RiskAlyze Investment management is an important part of every financial plan. Managing risk and opportunity is made easy with RiskAlyze. You’ll start with your Risk Number and then we’ll help you align your investments with your own Risk level so that you’re always invested right. Before you complete Family Wealth Bootcamp, you’ll become a Fearless Investor.   All that for a one time investment of $6. Basically, we’re giving you everything for the shipping and handling cost of the book. Again, if you’re an individual investor, family, or business owner, Make Your Money Count is our recommended place to start. You pay the $6 and we’ll get your order out in the mail. Europe and Canada will have a higher shipping cost so if you’re outside the continental USA, send me an email and we’ll figure out the cost to send the special limited hard cover edition of the book along a full-size copy of The Blueprint for Financial Success to your front door. And, if your Financial Advisor is one of those 99.9% of Financial Advisors who sell some form of financial planning, but has never hired a financial planner and doesn’t have an actual financial plan for themselves, make sure you tell them about Family Wealth Bootcamp. What Matters Most is the book we recommend for Financial Advisors and they get the same deal. For $6 they get all of the bonuses listed above, a special limited hard cover edition of What Matters Most along with a full-sized copy of The Blueprint for Financial Success — delivered to their doorstep. Again, if you’re outside the continental USA, please email Jim@FamilyWealthBuilder.com and we’ll figure out the shipping cost.

02/24/2018 Part 3 - Your risk number vs your growth by USA Financial Radio

Join me as I talk with Chad Johnson. Author of his first book, One Thousand Risks. One Thousands Risks is the encouraging and inspiring account of living fully reliant on God’s grace and following the direction of the Holy Spirit.SCOPE OF THE INTERVIEW Congradulations and Thank YouCongratulations on your book One Thousand Risks.The LifeDid anything in your life prepare you for this unique journey with Jesus?Which was more nerve racking, leaving a well paying job or asking the first person “May I pray with you”?What was the general consensus when you left your job for what is essentially full time ministry?Was there fear? (If so) How did you manage that fear?In the book you mention you wonderful wife Beth, and the fact that she was on board day one. Where there those that were not?The MissionYour book One Thousands Risks - is the encouraging and inspiring account of living fully reliant on God’s grace and following the direction of the Holy Spirit as you prayed for others. Will you share with us the substance of the idea of one thousand risks and how it came to be?Looking back over the almost 740 days you followed the leading of the Holy Spirit. How do you remember that day?Before we talk about these rich stories of healing...Just What is the Unremarkable Old and the Messy Extravagant?In your forward you use the word disciple. Can you tell us the weight of that distinctive word in your life from teenager through the amazing stories you share with the reader?In this book you are sincere and intentional about your reach to the saved and unsaved alike that happened while you were taking the risks right?The Power of PrayerThere is so much awesomeness to this book I really don’t know where to begin. What have you learned and what should we know about being open to praying for others?Of the 1000 times you prayed for people, how many made it to the book?Risk Number 125 is one of my favorite risk in the book what is you most favorite risk?What are your hopes for one who reads One Thousand Risks?Among the stories of God moving in the lives of those you prayed for, there were those who for whatever reason we did not see change. Did you face doubt?What was your private time with the Lord like during this time?Lightning Round(I ask these questions to all my guests)Best book you have read in the past year?Best book you have ever read?Best advice you ever received?In your opinion What is one thing that everyone should experience at least once in there life?What is your favorite quote?Your life verse?

10/07/2017 Part 3 - Your growth battles your risk number by USA Financial Radio

In Episode 75, we welcome Mike McDaniel, CIO and co-founder of Riskalyze. It’s a special episode, being recorded at the Riskalyze Fearless Investment Summit in Lake Tahoe. Per usual, we start with Mike’s origin story, but it’s not long before the guys dive into investments. Meb asks about Mike’s investment framework – how does he think about the world as a practitioner. Mike tells us he tries to let the market do as much as possible. One of the biggest things that will lead to success is simply being investing. And because our emotions can trip us up so much, by quantifying risk and then having a better idea of what to expect, we stand a better chance of success. This concept is what lead to the Riskalyze Risk Number. Meb asks for an overview of what this number is and how it works. Mike gives us a great overview of its background and how Riskalyze seeks to quantify risk on a scale of 0-100. (Basically “cash” to a “single stock.”) The conversation morphs into how the Risk Number has been further refined over the years, including the amount of historical data included. Next, Meb brings up something Mike once said in an interview, about the two reasons why investing is broken. He asks him to expound. Mike tells us these factors are 1) the psychological pitfalls facing the mom ‘n pop investor, and 2) the complex nature of the investing environment (so many products available to the investor). It’s not long before Meb brings up a current reality facing advisors: With asset allocation being largely commoditized with a low fee attached, where is the main “value add” for advisors these days? Mike believes that the advisor’s role is to be the behavioral coach. He has multiple stories about the power of using data and analytics to keeping the investor invested. This leads into the most common mistakes Mike sees that many investors continue to make. It’s not long before Meb turns the mic over to the audience (remember, this was recorded in front of a live audience in Lake Tahoe). You’ll hear: Have Riskalyze numbers proven to be helpful when facing an SEC audit? What will be the impetus that gets advisors to enter into the 401k space? Most investors have traditionally relied on bonds to be a stabilizing effect on portfolios, but is the market we’re in likely to play that role? Given this, how does Riskalyze think about alternative asset classes? In a world of low expected returns, how does an advisors balance business risk versus the client’s investment risk? There’s plenty more in this episode, including Meb’s discussion of the impact of fees on various global asset allocations… home country bias… the challenges of trend-following… and of course, Mike’s most memorable trade. It turns out, he has two, the latter of which is what led to the creation of the Riskalyze concept. What were the trades? Find out in Episode 75.

Panelists include: Mike Sha, SigFig; Rich Cancro, AdvisorEngine; Aaron Klein, Riskalayze; Moderator: Ryan Neal, Wealth Management. There are many fintech firms who are partnering with wealth managers in different ways; SigFig has built a digital wealth platform to bring a modern approach to the wealth management business and has partnered with some large firms; Riskalayze believes investors tend to sabotage their investments by investing at inopportune times; company has built a Risk Number to quantify and help advisors determine how much their clients can handle while reaching goals; also has built a robo component to the product; AdvisorEngine’s goals are to help advisors transform their growth and connect advisors to their clients, transforming the experience by digitization; panelists share why they chose to pursue the path as a technology provider, their history in wealth management and why it makes sense to partner with wealth management firms.

Open submission for the second annual Sacramento Region Innovation Awards wrapped up recently and the judging committees have begun reviewing submissions. Judges will include several winners from last year’s Innovation Awards, including last year’s winner in the software category, Riskalyze. Riskalyze believes that everybody has a Risk Number, a measurement from 1 to 99, that […]

07/29/2017 Part 4 - The Minivan Risk Number versus The Corvette Risk Number by USA Financial Radio

07/08/2017 Part 3 - Your risk number versus your growth wishes by USA Financial Radio