Podcasts about Term Life

"If you're going to find something, think of building this for the next 20 years. Think very long term." This powerful advice from Tarun Mathur underscores the importance of long-term vision in entrepreneurship, reminding founders that enduring companies aren't built overnight but over decades. Tarun Mathur is the Co-Founder & Chief Business Officer at Policybazaar for Business, India's leading online insurance marketplace. With an impressive 17-year journey since co-founding the company in 2008, Tarun has been instrumental in its growth, including the launch and leadership of its B2B arm, Policybazaar for Business. His experience spans analytics, revenue management, strategic initiatives, and various insurance verticals within the company. Key Insights from the Conversation:

This week, Mac and Andrew discuss the key differences between term and whole life insurance. They share how each type of policy works, the advantages and limitations of both, and who might benefit most from each option. Learning about the difference between term and whole life insurance can help you determine which option will work better for you. Don't forget to subscribe for more practical advice from the SK team! Resources mentioned in this podcast:  The Supreme Court Blows Up a Popular Small-Business Succession Plan - WSJ

If you tune into social media, there are a lot of influencers and gurus peddling one-size-fits-all financial advice and unfortunately plenty of investors base their strategies on what these people recommend. Find out why basing your investment decisions on what's trending on TikTok is short sighted and discover the seven indispensable steps of building wealth that are the most common among our most successful clients. Conventional wisdom such as paying off mortgages, quickly maxing out 401(k)'s or buying only Term Life insurance can be short sighted. Wealth isn't created by following rules of thumb, random one-size-fits-all fixes, or chasing trendy financial tips. Wealth is created by developing a custom-tailored strategy that facilitates wealth creation and prepares you for the future. The wealthiest people aren't doing the same things as the other 99%. Avoid rushing and applying random tidbits of information without first creating a comprehensive wealth strategy. We all have to take a long-term strategic view of wealth creation. There are seven key steps in building wealth that are common amongst all of our most successful clients. The first step is understanding cash flow. Cash Flow isn't about monthly budgeting. It's a 12-month roadmap that outlines where your money will go including savings, investments, and day-to-day expenses. Effective cash flow management is about abundance and a focus on wealth creation. Budgeting operates from scarcity and measures success by such things as paying off debt or simply making ends meet. Wealth doesn't just magically form out of scarcity. Step two is really understanding your investment risk tolerance. Many investors carry far too much risk for their stated tolerance levels but have really no way of gauging what risks they're carrying. It's crucial to know where you fall on the risk spectrum and to work with a professional to help you tailor your investment strategy. Complete the questionnaire on our website to discover your risk tolerance and know where to start that conversation. Step three is to learn your tax allocation. Knowing how to help mitigate tax liabilities is an essential aspect of building and keeping wealth. Tax deferral methods like 401 K's can be useful in some situations, they are not what we would consider comprehensive tax strategies. A deferral is not a savings. Knowing how to allocate assets to mitigate tax liabilities requires an understanding of your entire financial picture. A professional trio of maybe a certified public accountant, CPA, certified private wealth advisor, CPW, or a tax attorney, is essential for making the most of the opportunities available to you. Step four is to understand investment verticals. The more public market investments that are acquired such as stocks, bonds and mutual funds, the deeper the portfolio vertically grows, but adding more of the same to your portfolio doesn't necessarily mitigate the exposure to the risk you're trying to diversify away from. Horizontal opportunities are outside of the same vertical such as real estate businesses, private equity, and life insurance annuities, and they don't share in the same risk pools that each vertical may be exposed to. Effectively diversifying reduces the risk in a portfolio overall and forms a stable foundation to build on. Don't put all your eggs into one vertical basket. Step five is establishing multiple streams of income. Relying on a single source of income, like your job or a single investment is a risky proposition. Businesses, royalties, passive income investments, or other consulting or freelance opportunities are all ways to create more than one stream of income. More sources of income mean your financial situation is more robust during economic storms and you have more capacity to take advantage of opportunities. Number six is to adopt financial delegation. There's usually an element of cost and trust when managing financial decisions in a DIY fashion. There comes a tipping point when the perceived savings of doing things on your own becomes an opportunity cost. The complexities involved with wealth management require specialized support from professionals. The cost of working with a professional can be seen as an investment when it opens up new opportunities and it allows you to focus on your strengths. Delegate specific financial tasks to professionals like accountants, lawyers, and financial planners. This allows you to focus your time and effort on enjoying the benefits of having the help and the division of labor helps ensure that all aspects of your financial life are managed optimally. Step seven is finding your purpose. Scroll social media and you'll find that there are countless examples of miserable wealthy people. Money certainly makes things easier and helps you afford some privileged experiences but happiness is derived from inside of ourselves. You'll never have enough money and there's always something more to achieve. Answering the question of what you would do or commit your life to if money was not the motivation can offer insight into what you feel like your purpose is. Building wealth is not about quick fixes or following the herd. It's about strategic informed decision making that requires an opportunity that looks at cashflow, risk tolerance, tax allocation, diverse investments, multiple income streams, financial delegation, and purpose.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

It's another day of Inspiration - we are featuring our most motivational episodes with you. Ash paid off her consumer debt, and so can you! With 6 figures of debt and a global pandemic threatening financial disaster, Ash rolls up her sleeves and gets to work. Here is her Get the Hell Out of Debt story.   Canadians! Here is the best way I've found to get your life and critical illness insurance!  Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef   _______________________________

Join Alexa Criollo as she breaks down the key differences between Term Life and Whole Life Insurance in this easy-to-follow video. Learn how each policy works, who they're best for, and how to decide which option fits your financial goals. Alexa simplifies the complexities of life insurance, making it clear whether Term Life or Whole Life is the right choice for you. If you're looking to secure your financial future and want to understand your options, this is the ultimate guide you don't want to miss! Perfect for anyone comparing life insurance policies or planning for long-term financial security. ✅ SUBSCRIBE SUBSCRIBE SUBSCRIBE ✅ ⁠https://www.youtube.com/c/EPICFinanci...⁠

Join Alexa Criollo as she breaks down the key differences between Term Life and Whole Life Insurance in this easy-to-follow video. Learn how each policy works, who they're best for, and how to decide which option fits your financial goals. Alexa simplifies the complexities of life insurance, making it clear whether Term Life or Whole Life is the right choice for you. If you're looking to secure your financial future and want to understand your options, this is the ultimate guide you don't want to miss! Perfect for anyone comparing life insurance policies or planning for long-term financial security. ✅ SUBSCRIBE SUBSCRIBE SUBSCRIBE ✅ https://www.youtube.com/c/EPICFinanci...

Mark Holweger is President and CEO of Legal & General America's insurance division, which includes operating companies Banner Life Insurance Company and William Penn Life Insurance Company of New York. He is responsible for the day-to-day operations of the business, ensuring service excellence, continued distribution expansion and achievement of the digital transformation strategy. In 2011, he joined Legal & General Group in the UK where he held a number of senior level positions including Managing Director, Partnerships for Legal & General Insurance and Director of Broker and Intermediary for Legal & General's General Insurance business. In 2018, Mark relocated to the US as Executive Vice President of Distribution and Marketing for Legal & General America. Prior to joining Legal & General, Mark was a co-founder of Coverwise.com, an International digital insurance broker, and held various senior roles at other insurers including RSA Insurance Group UK where he was Distribution Director for Emerging markets and AXA Insurance UK where he was Director of Corporate Partnerships. Mark is an economics graduate and Chartered Insurer. He lives with his wife Rachel in Potomac, MD and has two daughters. Highlights from the Show Note This episode is brought to you by The Future of Insurance thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

In today's show - more Americans are installing alarm systems to help them not only feel safe from crime, but also for protection in a fire. The alarm business has been rife with long term contracts and high monthly costs. Clark tells you how to get a deal with the same safety. Another area where costs vary wildly is prescription eyeglasses. There's a new rule that makes it even easier to get your glasses at a deep discount.  Home Security Systems: Segment 1 Ask Clark: Segment 2 The Eyeglass Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Avoid Getting Ripped Off by an Alarm Company Your Guide to DIY Home Security Systems Home Security System Ratings & Reviews How to change your name and what government agencies to notify Best Online Will Maker: 5 Free or Cheap Options What Is a Personal Loan and Should You Get One? Eyeglass Rule updates: What they mean for you The Best Places To Buy Eyeglasses Are Indexed Universal Life Insurance Policies a Good Option or a Scam? Term Life vs. Whole Life Insurance: Understanding the Difference How To Buy Term Life Insurance in 7 Easy Steps How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We are CELEBRATING! Thanks to YOU, we hit 1 million downloads of the Get The Hell Out Of Debt podcast! And there is no better way to celebrate than by talking with the brilliant Mel Abraham. Erin was personally impacted by Mel many years ago and would not be doing what she's doing had she not met him. Mel shares his invaluable wisdom on financial freedom, emphasizing the importance of time as currency and the steps needed to build a Money Machine through different income streams. Mel also gets personal and shares his past financial struggle, how a health challenge compelled him to serve at a higher level.  Erin says his book Building Your Money Machine: How to Get Your Money to Work Harder for You Than You Did for It is a step-by-step guide for becoming a millionaire and it's a MUST have for your library.  Thanks for continuing to share this podcast. We appreciate every rating and review, every like and subscription.    Mel Abraham's links:  Building Your Money Machine book- https://amzn.to/4bAYgVB  The Entrepreneur's Solution book - https://amzn.to/4bSP6nR  Website - https://melabraham.com  Instagram - https://www.instagram.com/melabraham9/  YouTube - https://www.youtube.com/watch?v=UCZdiVkFGQo&list=UULFdky90A06l99KCvfKDD8wcw      Get The Hell Out Of Debt is now on YouTube! Watch - and subscribe! - here: https://www.youtube.com/watch?v=jS24I208_hI&t=1s&list=UULFdky90A06l99KCvfKDD8wcw  _______________________________

Erin is running down her top 10 list to live a wealthy life. From optimizing your spending, to sensible investing, and even choosing the right life partner, this list is a comprehensible rundown with actionable tips to get you on your financial way.  _______________________________

Natalia's latest match looked good on paper but then the financial red flags showed up. The world of dating is a tricky one to navigate but Erin has some guidelines to get you a read on a potential partner's money beliefs sooner rather than later.  _______________________________

Erin is diving into the societal traps that keep us broke. She's running down all 10 common pitfalls designed to undermine our money muscles. Erin equips you with insights to take control of your financial future.  _______________________________

Warning: vagitus ahead.  Kaleigh is struggling with raising 2 small children - including a newborn! - and managing her goals at the same time. Tune in for practical tips on how to navigate this unique season of life, or any season of life that requires your full presence.  _______________________________

Every Monday, Jon Hansen is joined by a specialist from Mesirow to discuss a different topic surrounding finances on Your Money Matters. In this episode, Sophia Yudkowsky, Vice President and Wealth Advisor at Mesirow Wealth Management, joins Jon Hansen to talk about life insurance and the difference between whole life and term life policies.

If you tune into social media, there are a lot of influencers and gurus peddling one-size-fits-all financial advice and unfortunately plenty of investors base their strategies on what these people recommend. Find out why basing your investment decisions on what's trending on TikTok is short sighted and discover the seven indispensable steps of building wealth that are the most common among our most successful clients. Conventional wisdom such as paying off mortgages, quickly maxing out 401(k)'s or buying only Term Life insurance can be short sighted. Wealth isn't created by following rules of thumb, random one-size-fits-all fixes, or chasing trendy financial tips. Wealth is created by developing a custom-tailored strategy that facilitates wealth creation and prepares you for the future. The wealthiest people aren't doing the same things as the other 99%. Avoid rushing and applying random tidbits of information without first creating a comprehensive wealth strategy. We all have to take a long-term strategic view of wealth creation. There are seven key steps in building wealth that are common amongst all of our most successful clients. The first step is understanding cash flow. Cash Flow isn't about monthly budgeting. It's a 12-month roadmap that outlines where your money will go including savings, investments, and day-to-day expenses. Effective cash flow management is about abundance and a focus on wealth creation. Budgeting operates from scarcity and measures success by such things as paying off debt or simply making ends meet. Wealth doesn't just magically form out of scarcity. Step two is really understanding your investment risk tolerance. Many investors carry far too much risk for their stated tolerance levels but have really no way of gauging what risks they're carrying. It's crucial to know where you fall on the risk spectrum and to work with a professional to help you tailor your investment strategy. Complete the questionnaire on our website to discover your risk tolerance and know where to start that conversation. Step three is to learn your tax allocation. Knowing how to help mitigate tax liabilities is an essential aspect of building and keeping wealth. Tax deferral methods like 401 K's can be useful in some situations, they are not what we would consider comprehensive tax strategies. A deferral is not a savings. Knowing how to allocate assets to mitigate tax liabilities requires an understanding of your entire financial picture. A professional trio of maybe a certified public accountant, CPA, certified private wealth advisor, CPW, or a tax attorney, is essential for making the most of the opportunities available to you. Step four is to understand investment verticals. The more public market investments that are acquired such as stocks, bonds and mutual funds, the deeper the portfolio vertically grows, but adding more of the same to your portfolio doesn't necessarily mitigate the exposure to the risk you're trying to diversify away from. Horizontal opportunities are outside of the same vertical such as real estate businesses, private equity, and life insurance annuities, and they don't share in the same risk pools that each vertical may be exposed to. Effectively diversifying reduces the risk in a portfolio overall and forms a stable foundation to build on. Don't put all your eggs into one vertical basket. Step five is establishing multiple streams of income. Relying on a single source of income, like your job or a single investment is a risky proposition. Businesses, royalties, passive income investments, or other consulting or freelance opportunities are all ways to create more than one stream of income. More sources of income mean your financial situation is more robust during economic storms and you have more capacity to take advantage of opportunities. Number six is to adopt financial delegation. There's usually an element of cost and trust when managing financial decisions in a DIY fashion. There comes a tipping point when the perceived savings of doing things on your own becomes an opportunity cost. The complexities involved with wealth management require specialized support from professionals. The cost of working with a professional can be seen as an investment when it opens up new opportunities and it allows you to focus on your strengths. Delegate specific financial tasks to professionals like accountants, lawyers, and financial planners. This allows you to focus your time and effort on enjoying the benefits of having the help and the division of labor helps ensure that all aspects of your financial life are managed optimally. Step seven is finding your purpose. Scroll social media and you'll find that there are countless examples of miserable wealthy people. Money certainly makes things easier and helps you afford some privileged experiences but happiness is derived from inside of ourselves. You'll never have enough money and there's always something more to achieve. Answering the question of what you would do or commit your life to if money was not the motivation can offer insight into what you feel like your purpose is. Building wealth is not about quick fixes or following the herd. It's about strategic informed decision making that requires an opportunity that looks at cashflow, risk tolerance, tax allocation, diverse investments, multiple income streams, financial delegation, and purpose.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

This week's show covers Bill Gross' latest missive on total return bond funds, how to avoid gift tax limits, whole vs. term life, and lump-sum investing vs. dollar-cost-averaging.  Our producer is remodeling his studio, we'll be back with a new show May 24th.  

It's Day 5 - congratulations for being here! We're looking into our insurance coverage today - specifically our life and disability insurance. Do you know that your work likely doesn't cover you as much as Erin recommends? We're digging out our papers and reading the fine print.  Canadians! Erin found some great (and easy!) options for you: Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef   Get the course and access to our online community for free here: https://www.erinskyekelly.com/offers/HFW22CD9?coupon_code=PODCAST DAY 5 - Financial Spring Cleaning Challenge: go through your insurance and check your coverage 

My Website Agency Launch training. Agency Launch Podcast. Music by Roger Clyne and the Peacemakers Simply Explaining Insurance on ITunes Simply Explaining Insurance on Spotify. On Stitcher On Android use Podcast Addict and search for Simply Explaining Insurance. The post Simply Explaining Insurance #291- When your term life policy is up appeared first on Dietz Agency.

Can Bitcoin be a financial tool for insurance policy holders? The CEO and co-founder of Meanwhile Zac Townsend believes so much in the future of Bitcoin that he's built an insurance company and product to support those who want to deal in Bitcoin.In this episode:Learn how a product was built around a new financial currencyHow to scale up and work with new technology and build insurance productsUnderstand the nuances of using Bitcoin and how to find returnsConsider risk and building opportunity to plan for the futureDiscuss Defi and what it means for insuranceZac's answers to our Podcast Philosophy questionsZac's insight is incredible and he shares great perspective on how insurance professionals can think about the future and what products might need to be created now that have relevance and scale later.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Laura left a job she wasn't aligned with and created a business she was passionate about called Drops of Gratitude.  If you have someone you want to send a gift to, go to www.DropsofGratitude.ca and use the promocode PODCAST for 15% as Laura's gift to you! (If you want the same bracelet as Erin wears, you can find the link here. https://www.dropsofgratitude.ca/product-page/thrive-apatite-8mm )   We do not receive any commissions or bonuses for sharing that link, we just believe strongly in Laura and her company. If giving a gift to someone is in your budget this year, bookmark that website! And when we DO receive commissions or bonuses for sharing a link, we use those funds to sponsor someone into the online Get the Hell Out of Debt program, so you are participating in someone else's hope.  Canadians! Here is the best way I've found to get your life and critical illness insurance!  Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef _______________________________

With 6 figures of debt and a global pandemic threatening financial disaster, Ash rolls up her sleeves and gets to work. Here is her Get the Hell Out of Debt story.   Canadians! Here is the best way I've found to get your life and critical illness insurance!  Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef   _______________________________

Erin has a mentor that always says “We need to participate in our own rescue.” Do you ever stunt your financial growth because you are waiting for someone else to get on board?   Canadians! Here is the best way I've found to get your life and critical illness insurance!  Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef American and Global friends! We'll have something for you soon!  _______________________________

Find out what financial product Erin avoids because she is an introvert. Listen to hear how it turned her into an extrovert. Canadians! Here is the best way I've found to get your life and critical illness insurance!  Term Life: https://api.fintelconnect.com/t/l/65afef8bdd380e001c5ac59f Critical Illness: https://api.fintelconnect.com/t/l/65aff166208d83001bcf9cef _______________________________

This doc made it back to broke only one year out of training. He was diligent about tracking his spending since med school and he attributes much of his success to having a plan and sticking to it. He said he definitely felt the temptation of lifestyle creep once he started seeing his paychecks but reminding himself that sticking to the plan was the best thing he could do for himself and his future self helped him stick to it! His advice to you? Make a budget, be on the same page as your partner, max out your retirement savings and know that if you stick to the plan time will work in your favor. After the interview we will talk about the difference between term life insurance and whole life insurance for finance 101. We estimate that 80% of doctors need, want, and should use a financial advisor and/or an investment manager. Some investment gurus such as Dr. William Bernstein think my estimate is way too low. At any rate, if you want to use an advisor temporarily or for your entire life, there is no reason to feel guilty about it—just make sure you are getting good advice at a fair price. If you need help updating your financial plan or just getting one in place, check out our list of recommended financial advisors at https://whitecoatinvestor.com/financial-advisors. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

If you tune into social media, there are a lot of influencers and gurus peddling one-size-fits-all financial advice and unfortunately plenty of investors base their strategies on what these people recommend. Find out why basing your investment decisions on what's trending on TikTok is short sighted and discover the seven indispensable steps of building wealth that are the most common among our most successful clients. Conventional wisdom such as paying off mortgages, quickly maxing out 401(k)'s or buying only Term Life insurance can be short sighted. Wealth isn't created by following rules of thumb, random one-size-fits-all fixes, or chasing trendy financial tips. Wealth is created by developing a custom-tailored strategy that facilitates wealth creation and prepares you for the future. The wealthiest people aren't doing the same things as the other 99%. Avoid rushing and applying random tidbits of information without first creating a comprehensive wealth strategy. We all have to take a long-term strategic view of wealth creation. There are seven key steps in building wealth that are common amongst all of our most successful clients. The first step is understanding cash flow. Cash Flow isn't about monthly budgeting. It's a 12-month roadmap that outlines where your money will go including savings, investments, and day-to-day expenses. Effective cash flow management is about abundance and a focus on wealth creation. Budgeting operates from scarcity and measures success by such things as paying off debt or simply making ends meet. Wealth doesn't just magically form out of scarcity. Step two is really understanding your investment risk tolerance. Many investors carry far too much risk for their stated tolerance levels but have really no way of gauging what risks they're carrying. It's crucial to know where you fall on the risk spectrum and to work with a professional to help you tailor your investment strategy. Complete the questionnaire on our website to discover your risk tolerance and know where to start that conversation. Step three is to learn your tax allocation. Knowing how to help mitigate tax liabilities is an essential aspect of building and keeping wealth. Tax deferral methods like 401 K's can be useful in some situations, they are not what we would consider comprehensive tax strategies. A deferral is not a savings. Knowing how to allocate assets to mitigate tax liabilities requires an understanding of your entire financial picture. A professional trio of maybe a certified public accountant, CPA, certified private wealth advisor, CPW, or a tax attorney, is essential for making the most of the opportunities available to you. Step four is to understand investment verticals. The more public market investments that are acquired such as stocks, bonds and mutual funds, the deeper the portfolio vertically grows, but adding more of the same to your portfolio doesn't necessarily mitigate the exposure to the risk you're trying to diversify away from. Horizontal opportunities are outside of the same vertical such as real estate businesses, private equity, and life insurance annuities, and they don't share in the same risk pools that each vertical may be exposed to. Effectively diversifying reduces the risk in a portfolio overall and forms a stable foundation to build on. Don't put all your eggs into one vertical basket. Step five is establishing multiple streams of income. Relying on a single source of income, like your job or a single investment is a risky proposition. Businesses, royalties, passive income investments, or other consulting or freelance opportunities are all ways to create more than one stream of income. More sources of income mean your financial situation is more robust during economic storms and you have more capacity to take advantage of opportunities. Number six is to adopt financial delegation. There's usually an element of cost and trust when managing financial decisions in a DIY fashion. There comes a tipping point when the perceived savings of doing things on your own becomes an opportunity cost. The complexities involved with wealth management require specialized support from professionals. The cost of working with a professional can be seen as an investment when it opens up new opportunities and it allows you to focus on your strengths. Delegate specific financial tasks to professionals like accountants, lawyers, and financial planners. This allows you to focus your time and effort on enjoying the benefits of having the help and the division of labor helps ensure that all aspects of your financial life are managed optimally. Step seven is finding your purpose. Scroll social media and you'll find that there are countless examples of miserable wealthy people. Money certainly makes things easier and helps you afford some privileged experiences but happiness is derived from inside of ourselves. You'll never have enough money and there's always something more to achieve. Answering the question of what you would do or commit your life to if money was not the motivation can offer insight into what you feel like your purpose is. Building wealth is not about quick fixes or following the herd. It's about strategic informed decision making that requires an opportunity that looks at cashflow, risk tolerance, tax allocation, diverse investments, multiple income streams, financial delegation, and purpose.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

Ben and Pogues watch Term Life. They talk terrible haircuts, too many openings, and question why all these people agreed to this movie?

#568: Today we're welcoming 90's icon Mark McGrath to the show. Beginning his career as the lead singer of hit band Sugar Ray, Mark has co-hosted EXTRA from 2004 until 2008 and hosted cultural staples such as The Victoria's Secret Fashion Show, NBC's Radio Music Awards, MTV's Rock N' Jock, and so many more. Plus, he starred in the first American season of Celebrity Big Brother, coming in 3rd for the season. Today we sat down with Mark McGrath to talk about all things 90's nostalgia, the rock and roll lifestyle, and how he made his marriage work in the world of fame & fortune and after infidelity. He also gets into how fame & work evolves as you get older, how the industry sometimes requires you to “sell your soul”, & how he personally navigated life in the spotlight. He also gets into the details of how human interaction has been slowing in the last 2 decades, how personal branding has helped him remain relevant, and how to stay grounded in the music industry. To connect with Mark McGrath click HERE To connect with Lauryn Evarts click HERE To connect with Michael Bosstick click HERE Read More on The Skinny Confidential HERE Subscribe to our YouTube channel HERE For Detailed Show Notes visit TSCPODCAST.COM To Call the Him & Her Hotline call: 1-833-SKINNYS (754-6697) This episode is brought to you by The Skinny Confidential This episode is brought to you by Vroom You can buy a car from Vroom entirely online. So, next time you need to buy a car, just grab your phone, go to Vroom.com, and check out thousands of cars. This episode is brought to you by Sakara Sakara delivers science-backed, plant-rich nutrition programs and wellness essentials right to your door. Their ready-to-eat meals are nutritionally designed to deliver results—from weight management and eased bloat to boosted energy and clearer skin. Go to Sakara.com/skinny or enter code SKINNY at checkout to receive 20% off your first order. This episode is brought to you by Just Thrive These days, stress seems to hit us from every possible angle in any environment at any time, day after day. Enter Just Calm - the breakthrough new stress and mood support formula from Just Thrive.  Go to justthrivehealth.com and use code SKINNY90 at checkout to save 20% on a bottle of Just Calm + Just Thrive Probiotic. This episode is brought to you by Wella Wella Professionals just released its most luxurious hair care line; Ultimate Repair. You can purchase The Ultimate Repair Miracle Hair Rescue at Ulta stores, or go to wella.com to learn more. This episode is brought to you by The Farmer's Dog It's never been easier to invest in your dog's health with fresh food. Get 50% off your first box & free shipping by going to thefarmersdog.com/skinny Produced by Dear Media

In this episode, growers Troy and Cindy Dickens talk about where a budding business fits into long-term life plans.  Make farming easier with the Paperpot Transplanter and Other Small Farm Equipment at https://www.paperpot.co/ Follow PaperpotCo on IG https://instagram.com/paperpotco Podcasts by Diego Footer: Microgreens: https://apple.co/2m1QXmW Vegetable Farming: https://apple.co/2lCuv3m Livestock Farming: https://apple.co/2m75EVG Large Scale Farming: https://apple.co/2kxj39i Small Farm Tools https://www.paperpot.co/

Season 3 Ep. 11: 2023 NFL Draft Scorecard, Tucker Carlson and Don Lemon get fired within hours of one another, and things you should know about your term life policy through work 0:00 - Intro 1:15 - 2023 NFL Draft Scorecard  2:42 - Tucker Carlson and Don Lemon Get Fired Within Hours of One Another. Coincidence?  27:12 - Things You Should Know About Your Term Life Policy Through Work 

Every year, the IRS collects about $4 trillion in taxes and gives out more than 1 trillion in refunds. That's a lot of money changing hands. Whenever there's a lot of cash to be had, that's when scam artists come out of the woodwork … and this tax season is no different. Rob tells you what they're up to, so you don't get taken. This is Faith and Finance - biblical wisdom for your financial journey.Romans 13:1 is a good reminder of how Christians should deal with civil authority. It reads, “Let every person be subject to the governing authorities. For there is no authority except from God, and those that exist have been instituted by God.” Of course, being “subject to” includes paying taxes. We should always pay what we rightly owe, and we should rightly expect a refund when we've paid too much. Unfortunately, scammers don't see it that way and are always on the lookout for ways to separate you from your money at tax time.Tax refund fraud - If scam artists gets your Social Security number, they can file a false tax return and get your refund. Actually, they often get more than a legitimate refund by claiming low income and a lot of deductions. Later, when you file, the IRS kicks back your return and you're left with a mess to sort out. You can avoid this by getting an Identity Protection PIN from the IRS before filing. It's a 6-digit number to verify your identity that only you and the IRS know. You can sign up for a tax PIN number at IRS.gov.Defraud people with fake charity scams - Scammers set up fraudulent charities that lure good-hearted people into making donations. Donors may think they can claim those contributions on their tax returns but when the IRS discovers a charity is a fake, it could set you up for an audit. To prevent this, it's always a good idea to thoroughly check out any nonprofit organization you're thinking about donating to. The Bible tells us we're to be “wise as serpents.” The IRS has set up a tax-exempt organizations search tool so you can check out legitimate charities. You can find that IRS.gov as well. You also find legitimate charities at CharityNavigator.org, MinistryWatch.com and with the National Christian Foundation at NCFGiving.com.“Ghost tax preparers - If that sounds scary, it should. This is when a scammer claims to be a legitimate tax professional. They usually make extravagant claims about how they can get you a big refund, and people fall for it. They may file a fraudulent return and have the refund check go to them instead of the taxpayer or they'll just charge a big fee up front. Either way, they disappear, and the taxpayer is left with a mess. To spot a ghost tax preparer. First, they won't sign the return or include a Preparer Tax Identification Number. That, by the way, is against the law. They may also ask for a payment without providing a receipt. They often will also falsify income to get more tax credits or claim phony deductions to get a bigger refund. They'll also sign up to have that refund direct deposited to their bank account instead of the taxpayer's. The IRS has set up a database where you can check to see if anyone claiming to be a legitimate tax preparer is on the up and up. Again, go to IRS.gov for the “Enrolled Agent” search tool. The IRS also says you should carefully look over your return once your preparer has completed it. If you have questions, by all means ask them. And make sure you verify the routing and bank account numbers on the return to make sure any refund will go to you.IRS phone scams - These come in all varieties. For example, you may get a call about a tax bill you knew nothing about. The caller claims to be an IRS agent and warns that you'll be arrested, or your Social Security benefits will be suspended if you don't pay immediately. These scam artists can even change their Caller ID to say IRS, and they may even have all or just the last 4 digits of your Social Security number all to make the scam look legitimate. Don't be fooled. The IRS will never contact you by phone. If you get a call like that, just hang up.Next, Rob answers these questions at 800-525-7000 or via email at askrob@FaithFi.com:Is a $300,000 whole life insurance policy you purchased two years ago at age 43 a good investment if you pay a $150 monthly premium and the insurance company says it should have a cash value of $70,000 when you are age 62, and would Term Life be a better option?How many years do you need to keep tax returns and supporting documents?How should you invest $50,000 you inherited if you are age 67 and don't want to lose the principal? (Rob referred the caller to  bankrate.com, and Ally, Marcus and Capital One 360).Are American Gold Reserve gold coins a good idea to invest in?Where can you put your Ohio deferred compensation account that is losing money somewhere that it is safe and accruing interest?How do you start budgeting if you are newlywed? (Rob referred the caller to the FaithFi App).Be sure to check out the rest of FaithFi.com to access our books and our many free helpful resources. You can also find us on Facebook Faith and Finance (Live) and join the conversation. Thanks for your prayerful and financial support that helps keep Faith and Finance (Live) on the air. And if you'd like to help, just click the Give button.

Investment Options - Investing with Insurance Plans - Whole vs Term Life policies Thank you for listening to another episode of Wealth Game podcast. The goal is to get informal yet actionable advice directly to business owners and investors. The episodes are intended to be short and simple to allow busy professionals to get right to the point of growing their wealth and reducing their taxes. For topic suggestions, questions to cover, or collaboration requests please email questions@wealthgamepodcast.com. For additional information and links to all available platforms please visit our website at www.wealthgamepodcast.com

Using equity and cash value from life insurance to build wealth | Estate Professionals Mastermind Podcast episode 100Can you create a permanent life insurance plan that creates equity and cash value? YES!IN THIS EPISODE: Choosing the right plan, at the right amount, at the right time.Full show notes: probatemastery.com/cash-value-life-insurance-for-real-estate-investingWatch on YouTube: https://youtu.be/RxEuVKwjgP8You'll Learn:

Listen to Bill and Hero Life's RVP's Jacob and RJ take a deep digital dive in the latest scholarship-approved, A-rated, Term Life Product that can be sold face to face, virtual, over the phone and/or 100% direct to consumer through website traffic, Facebook ads, Banks, Financial institutions, P&C/Health agencies, etc. This product will also be complimentary to our agents on InsureMeNowDirect.com by the end of 2022! *Consumer actual age competitive rates available to age 60. High compensation plus Renewals paid! Call our Levinson Marketing team to start selling today! Toll-free: 800-375-2279 Local: 954-746-9531

Senior Market Health Agent Natalie Cooper Sells with Levinson Life & Annuity Products By Leveraging Ringy CRM And Our Lead Platforms etc.  Host: Bill Levinson from Levinson & Associates - Levinson & Associates, Inc. is a National Insurance Marketing Company domiciled in Florida since 1972. As such, we specialize in the servicing of our field force, and the distribution of the most competitive products for Term Life, Universal Life, Whole Life, simplified issue, Annuities, and Survivorship products. We are a full-service marketing company equipped to help during the entire underwriting process. From our most inexpensive term, jumbo permanent products, or annuities; our administrative staff, with over 100 years of combined insurance experience, stands ready and very able to help with all your insurance needs. In 1998, Bill Levinson brought his marketing and management expertise to the life insurance industry. He is today a very successful Managing Partner for Levinson & Associates. Bill continues to service over 22,000 new and existing agents, each representing our entire portfolio of 90 life carriers and over 30 annuity companies nationwide. He brings a youthful exuberance and enthusiasm, and servicing our agents remains his number one priority. Levinson is a world-renown innovator in our industry, creating the 1st ever client-driven online term platform, life agent-focused CRM tool, and the cutting-edge Agency Automator prospecting system, amongst other unique technological advances and innovations. He currently participates in various company advisory boards and is a current member of NAILBA's ASNG group.  We, at Levinson & Associates, want to sincerely thank our Agents for allowing us the opportunity to quote and service all of your Life/Annuity & Insurance needs! Guest Speaker: Natalie Cooper (Levinson Agent) - I come from a long line of insurance agents including my father, his brother, and many of their 1st cousins. I grew up learning from Clement Stone, the founder of Combined Insurance Company of America who my dad and the rest of our insurance family worked for. W. Clement Stone is now a highly recognized motivational inspiration for many in the insurance industry. I recall being gathered around the dinner table and the whole family reciting his famous words—“I feel happy! I feel healthy! I feel terrific!” and always having “PMA”—Positive Mental Attitude. Actually, it was, and still is my father who is my role model. After recently celebrating his 80th birthday and reflecting on all I have learned from him, I can honestly say that it was my parents who gave me my core sense of integrity and ethics that still guide me through life and my career. I grew up in Columbus Ohio and graduated with a BS in accounting with a double major in finance from Franklin University in 1990. A few years later in 1995, after moving to South Florida, I became a licensed insurance agent. The original intent was to work with my father in the tax-deferred annuity and life insurance business and move back to Ohio. Shortly after I became licensed, I realized my home at that time, would remain in south Florida. I began my career working with retiree groups including the City of New York, their unions, and other large employers like Sears and AT&T who offered retiree benefits. This was when I was first introduced to the senior market. I found real satisfaction in dealing with seniors and knowing that I may have been one of the few agents they worked with that put their best interest first. The laws pertaining to marketing to seniors were nearly non-existent and at that time and so many of my clients had been lied to, sold something they didn't need, or strong-armed into a policy they could not afford. The feeling of truly helping a person get what they needed, putting some money back into their pocket, and working with someone they felt they could trust was a great feeling. After spending about 7 years working exclusively with seniors and specializing in Long Term Care, Annuities, Medicare, and Final Expense, I branched out to two other areas to accommodate my client's children that were asking me to help. Their kids were a natural progression and I began my entree into Term Life and Disability insurance. The insurance business has been such a rewarding experience for me. I know that I have truly changed people's lives. This is where I'll be for the remainder of my working years and I'll hopefully pass the baton to another person who can enjoy what they do as much as I have.

Tim Ulbrich, PharmD, sits down with Tim Baker, CFP®, RLP®, for the second part of the four-part series on retirement planning. Together they discuss the alphabet soup of retirement accounts including commonly used vehicles for accruing a nest egg.  Links Mentioned in Today's Episode YFP 272: How Much Is Enough? (Retirement Planning) YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance  YFP 165: The Power of a Health Savings Account YFP Tax 2022 Important Numbers Your Financial Pharmacist Disclaimer and Disclosures

Retailers have been fighting from behind since March 2020. Suddenly supply chains are moving and stores have goods aplenty. In a time of inflation - we have never seen before deals in many categories this September. Clark calls out the buys for early holiday shopping. Also, Federal student loan forgiveness - what eligible student and parent borrowers need to know about how the program will work - and how the scams play.  Christmas in September: Segment 1 Ask Clark: Segment 2 Student Loan Forgiveness: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New Vanguard Account Fees Will Increase Costs for Some of Its Most Loyal Customers Fidelity Investments Review 2022: Pros & Cons Warning: Never Get Roadside Assistance From Your Insurance Provider Password manager LastPass reports breach, says no credentials stolen Explainer: How Biden's student loan forgiveness will impact U.S. consumers Student Loan Forgiveness Plan Won't Make Inflation Worse—Even If It Adds $400 Billion To Deficit, Goldman Says Did you hear about the student loan announcements? Scammers did, too How To Watch Football Without Cable: Stream NFL and College Football (2022) Term Life vs. Whole Life Insurance: Understanding the Difference EvaluateLifeInsurance.org Term Life vs. Whole Life Insurance: Understanding the Difference What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

YFP Co-Founder & Director of Financial Planning, Tim Baker, CFP®, RLP® is joined by YFP Planning Lead Planners, Kelly Reddy-Heffner, CFP®, CSLP®, CDFA®, and Robert Lopez, CFP® to discuss a financial planning case study on financial and life considerations as retirement nears.  Links Mentioned in Today's Episode Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance YFP Planning: Financial Planning for Pharmacists Schedule a Free Discovery Call with YFP Planning Case Study #3 Summary Sheet Forbes: The Value of Sound Financial Decisions: From Alpha to Gamma Genworth: Cost of Care Trends and Insights Your Financial Pharmacist Disclaimer and Disclosures

This week I am honored to host Jessi Park who is an inspiring and driven entrepreneur with a captivating life and career story. Five years ago, Jessi was dialing aged leads out of Orlando Public Library to try and start her insurance business while also job hunting. Within 8 months she wrote over $1 million in business. Within 1 year, she was making 6 figures and within 3 years she was debt-free, bought her first home, and a 6000 square foot commercial building for her agents to work in. If it isn't enough that she now is the owner of Inspired Insurance Solutions, a top-rated nationwide brokerage that assists clients in navigating the complex worlds of health, life, Medicare, and annuities, she also has taught the “Good, Better, Best” method to thousands of agents nationwide and helped countless agents start successful careers. Among her many ventures are an upcoming luxury fragrance line and a leather goods line. Entrepreneurship and creativity are something she is genuinely enthusiastic about, and she enjoys speaking to organizations and individuals about the mindset required for success. Outside of her career in insurance and many entrepreneurial endeavors, she is also an internationally collected artist, a keynote speaker, and a certified life coach. She also is the author of the best-selling book Soul Beneficiary, Jessi's part-memoir, part-industry-guide for people willing to push through the daily grind and build a remarkable career.Thank you very much to Jessi Park for joining us this week on The Alden Report.For more information on Jessi, you can visit: https://www.jessipark.com/ Thank you to this episode's sponsor: Wicked Happy – Apparel To Make You Smile The way we live our lives depends on our outlook. Wicked Happy designs apparel to make people smile because they want to make you Wicked Happy.Use code MIKEALDEN at checkout for 15% off of your first order.www.wickedhappy.com

Jen Smith, a personal finance expert and co-host of the Frugal Friends Podcast, discusses strategies to practice frugality in a high inflationary period, how she was able to pay off $78k in debt while battling unemployment, and strategies for listeners to explore whether you are looking to get organized, make additional income, or grow in your investing journey. Links Mentioned in Today's Episode YFP's Employee to Entrepreneur Virtual Summit: Learn More and Register Here Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance Frugal Friends Podcast The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams by Jen Smith Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast by Jen Smith Modern Frugality Freecreditreport.com Credit Karma Automate Your Money YFP 057: The Power of Automating Your Financial Plan Get Your Free Copy of the Modern Frugal Living eBook Your Financial Pharmacist Disclaimer and Disclosures

This week I'm very happy to welcome entrepreneur and best-selling author Jamie Prickett to The Alden Report. Jamie is a former freestyle wrestler turned financial advisor who spent ten years struggling to put gas in his car. But the problem wasn't just Jamie, it had a lot to do with the organization he worked with from the age of twenty-one to thirty-one.Two years after leaving that company, and now, over the past eight years, Jamie and his wife Lee-Ann “turned over the tables” of the entire insurance and financial services industry. In 2014, they founded Experior Financial Group which now consists of a 1500+ team of well trained and provincially licensed associates available across Canada and the USA specializing in a number of insurance needs. Headquartered in Ontario, Canada and Cheektowaga, New York USA, Experior Financial Group Executives cumulatively boast hundreds of years in the financial industry. Thank you very much to Jamie Prickett for joining us this week on The Alden Report.For more information on Jamie, you can visit: https://www.jamieprickett.com/ Thank you to this episode's sponsor: Wicked Happy – Apparel To Make You Smile The way we live our lives depends on our outlook. Wicked Happy designs apparel to make people smile because they want to make you Wicked Happy.Use code MIKEALDEN at checkout for 15% off of your first order.https://www.wickedhappy.com

YFP Co-Founder & CEO, Tim Ulbrich, PharmD, shares ten lessons he has learned on his journey from employee to entrepreneur.  Links Mentioned in Today's Episode Register for the YFP Employee to Entrepreneur Virtual Summit Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance I Was a Confused, Trapped Pharmacist Living Paycheck to Paycheck Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt, and Create Wealth by Tim Church, PharmD and Tim Ulbrich, PharmD Start.: Punch Fear in the Face, Escape Average, and Do Work That Matters by Jon Acuff Start with Why: How Great Leaders Inspire Everyone to Take Action by Simon Sinek How I Built This Podcast Chris Caldwell Conscious Growth Coach The Partnership Charter by David Gage Delivering Happiness: A Path to Profits, Passion, and Purpose by Tony Hsieh YFP 145: How Samm Built Doc Station to Increase Value-Based Care The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It by Michael E. Gerber Traction: Get a Grip on Your Business by Gino Wickman Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine by Mike Michalowicz The End of Jobs: Money, Meaning and Freedom Without the 9-to-5 by Taylor Pearson The Four Agreements: A Practical Guide to Personal Freedom (A Toltec Wisdom Book) by Don Miguel Ruiz The Big Leap: Conquer Your Hidden Fear and Take Life to the Next Level by Gay Hendricks Procrastinate on Purpose: 5 Permissions to Multiply Your Time by Rory Vaden The Entrepreneur Roller Coaster: It's Your Turn to #JoinTheRide by Darren Hardy The War of Art: Break Through the Blocks and Win Your Inner Creative Battles by Steven Pressfield The Surrender Experiment: My Journey into Life's Perfection by Michael Singer A New Earth: Awakening to Your Life's Purpose by Eckhart Tolle The Secret by Rhonda Byrne Changes That Heal: Four Practical Steps to a Happier, Healthier You by Henry Cloud Your Financial Pharmacist Disclaimer and Disclosures

Diamond Spratling, an impact-driven environmental health professional and non-profit leader, discusses her TEDx talk, The Secret to Clean Energy: Addressing The Root Causes of Energy Burden. Key Points From This Episode A warm introduction to today's guest, Diamond Spratling Diamond's educational and professional background.  How she got into doing the work that she's involved in today.  Her definition of environmental justice.  Breaking down the three aspects of environmental justice: Earth, built, and social.  What energy burden is and why our guest decided to speak about it.  Why income is a big factor of energy burden.  What an acceptable energy burden percentage looks like.  Energy burden versus utility burden. Taking a look at some of the root causes of energy burden.  Why America is failing in financial literacy education.  How to implement financial literacy education in America. The importance of educating the youth as early as possible.  Diamond provides a link between improved financial literacy and the energy burden crisis.  What Girl + Environment is and why she brought it to fruition.  Links Mentioned in Today's Episode The Secret to Clean Energy: Addressing Root Causes of Energy Burden | Diamond Spratling | TEDxBGSU YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance Girl Plus Environment Financial Literacy Statistics: FfinEDge, University of Chicago Follow Girl Plus Environment on Twitter: @girlenvironment Follow Girl Plus Environment on Instagram: @girlplusenvironment Connect with Girl Plus Environment on Facebook Connect with Diamond Spratling on LinkedIn Follow Diamond Spratling on Twitter: @diamondsprat Your Financial Pharmacist Disclaimer and Disclosures

YFP Co-Founder & Director of Financial Planning, Tim Baker, CFP®, RLP® is joined by YFP Planning Lead Planners, Kelly Reddy-Heffner, CFP®, CSLP®, CDFA®, and Robert Lopez, CFP® to walk you through a financial planning case study on planning for retirement, saving for kids' college, and paying off debt. Key Points From This Episode Getting to know Fiona and Rob Anderson.  The home, work, and financial portfolios of our case study couple.  Fiona and Rob's investment accounts and insurance policies.  Diving into tax concerns. Your children's education versus building your retirement fund – conflicting goals.  How to prioritize conflicting goals. Some innovative ways to lower the costs of college/university. How to use 401Ks, RSUs, and other investment accounts wisely, for investing in your goals.  Delaying retirement and waiting to claim Social Security.  A closer look at whether their particular investment accounts work for their specific goals.  Unpacking the target date fund and traditional IRA.  What to consider when paying a mortgage in retirement. Your age concerning your debt, and if there is reason to panic. Links Mentioned in Today's Episode YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance YFP Planning Case Study #2 Summary Sheet Your Financial Pharmacist Disclaimer and Disclosures

Megan Freeland, PharmD, talks about her career path in medical writing, the types of health content writing that might interest pharmacists, and how she created the Health Professionals to Health Writers program. Key Points From This Episode Understanding Megan Freeland's career by looking at her interests and background in pharmacy. How to apply knowledge and experience in pharmacy to the public health system. What opportunities Megan took to further explore public health training and experience.  The hard journey she took to end up at her dream job in the CDC. Her passion and motivation for the intersection of public health and writing. The influence Megan's family and community had on her passion for public health care. Understanding the types of medical writing and how to pursue one. A guide to beginning your career as a freelance health content writer.  Megan's ideas, goals, and motivations behind StockRose Creative. A look into how Megan has grown her career on LinkedIn. Advice for those starting to pursue their content writing careers. Links Mentioned in Today's Episode Connect with Megan N. Freeland on LinkedIn StockRose Creative YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance Feminist Women's Health Center Student National Pharmaceutical Association (SNPhA) CancerQuest Health Writing for Health Professionals Health Writing for Health Professionals 101 Series LinkedIn Creator Accelerator Program The Four Agreements: A Practical Guide to Personal Freedom (A Toltec Wisdom Book) by Don Miguel Ruiz The Big Leap: Conquer Your Hidden Fear and Take Life to the Next Level by Gay Hendricks Your Financial Pharmacist Disclaimer and Disclosures

Dr. Kimber Boothe, PharmD, MHA, talks about her career in health systems and the pharmaceutical industry, why she founded the Kimber Boothe Group, how she has monetized her expertise, and the lessons she's learned from publishing her second book, ‘Pharmfluencers: The Inspiring Stories of Pharmacy Entrepreneurs.' Key Points From This Episode Dr. Boothe's career path in pharmacy, from clinical roles to leadership and consulting.  Defining intrapreneurship versus entrepreneurship. The pros of allowing for intrapreneurship within an organization. Why Dr. Boothe believes pharmacy can do more with more. The genesis of The Kimber Boothe Group and the problems it aims to solve. Dr. Boothe's growth goals. The importance of being intentional about career development. The purpose of Dr. Boothe's book, Pharmfluencers, and the information it contains. Ways to monetize your knowledge and expertise in the pharmacy industry. The power of mindset and tips for shaping a positive mindset. The four levels of relationships and why Dr. Boothe believes having a coach is critical. Dr. Boothe's transition from being a solopreneur to hiring and filling positions. Links Mentioned in Today's Episode KimberBoothe.com Pharmfluencers: The Inspiring Stories of Pharmacy Entrepreneurs by Kimber Boothe YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance Medipreneurs Pharmovation: Advocate for Resources, Advance Pharmacy Practice, & Accelerate Your Pharmacy Career by Kimber Boothe ActionCOACH Business Coaching Connect with Kimber Boothe on LinkedIn Your Financial Pharmacist Disclaimer and Disclosures

YFP Co-Founder & CEO, Tim Ulbrich, PharmD, welcomes back to the show Ashlee Klevens-Hayes & Chris Cozzolino, two pharmacists and entrepreneurs. Together, they discuss the new book Ashlee and Chris have co-authored: ‘OWN YOUR PharmD, OWN YOUR CAREER: Real Life Advice from 50+ Pharmacy Leaders and Influencers.' Key Points From This Episode Introduction and a brief background about today's guests. The motivation behind Ashlee's and Chris's decision to write a book. What Chris's and Ashlee's overall goal of writing a book was. A brief discussion about the importance of networking to become successful. Examples of lessons learned while writing and interviewing people for the book. Importance of soft skills to becoming a successful pharmacist. How finding measures of success for different seasons of your career is important. Common traits Chris and Ashlee noticed hold back people from reaching their full potential. Where limiting thoughts come from for pharmacists. Strategies that Chris uses to ensure that he is enjoying his current career path. Where Chris learned how important enjoying the process is. Ashlee explains the importance of mindset and how you see opportunities. Chris tells us about his decision to self-publish as opposed to working with a publisher. What Ashlee has enjoyed the most from the book writing process. Links Mentioned in Today's Episode Own Your PharmD, Own Your Career: Real Life Advice from 50+ Pharmacy Leaders and Influencers by Ashlee Klevens Hayes and Chris Cozzolino YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance YFP 095: Level Up Your Career: An Interview with RxAshlee YFP 228: Why This New Practitioner Decided to Start His Own Business Uptown Creation RxAshlee Influential Dad, Empowered Daughter by Ashlee Klevens Hayes Your Financial Pharmacist Disclaimer and Disclosures

"If you're not doing what you don't want to do, it really doesn't matter how much money you have...you're just not happy" - Jeff WrightJeff Wright is the founder of Agent Sales Group, an independent marketing organization and host of Blame to Fame Podcast.Growing up, he had no desire to inherit his father's businesses andHaving gained expertise as "the middleman" in getting Term Life coverage for large leasing clients to enable them to secure loans for which they would otherwise not be eligible, Jeff saw a correlation in the consumer market.  He moved immediately into the Life Insurance business by building an agent group focused on selling Mortgage Protection Insurance.The sheer volume of business his teams produced provided him the unique opportunity to gain direct distribution from a relatively new carrier in the Mortgage Protection market. From there Jeff's ability to comfortably converse with everyone from the bathroom attendant to the CEO of a Fortune 500 carrier vaulted ASG into one of the most successful IMO's in the industry.In this conversation, you'll hear Omar and Jeff discuss...- Jeff's upbringing and how his relationship with his father fueled his growth- Today's culture and media's influence- What if the government did work? - How to test if you should actually be worried about something- Why Jeff loves traveling to the middle east- Comparing American culture with other cultures- How world travel shifts your perspective- Money and Relationships - Blame game with Ex's- How Jeff's health scare changed his life- Viewing every day as your last day on earth- Being comfortable with failure- Using vision to build a business- Shifting from Blame to Fameand much much more!

YFP Co-Founder & Director of Financial Planning, Tim Baker, CFP®, RLP® is joined by YFP Planning Lead Planners, Kelly Reddy-Heffner, CFP®, CSLP®, CDFA®, and Robert Lopez, CFP® to walk you through a financial planning case study on growing a family, paying off student loans, and buying a house. Key Points From This Episode Introducing YFP Lead Planners, Kelly Reddy-Heffner and Robert Lopez.  Describing the fictitious family of today's case study: Jason and Lauren Jones. The Joneses' earnings, expenses, and debt. Their goals and concerns. How their cash position fits in the context of their goals and debt. The question of whether or not to go the PSLF route. The tendency to get caught up emotionally without considering the mathematics. How the Joneses should tackle the wealth-protection aspect of their financial planning. Speculation of whether a whole life policy is necessary. The benefits of having one joint credit card per family. What the Joneses should consider with regards to the mortgage conversation. The power of financial planning. The wealth-building opportunities for the Joneses' emergency fund. The ideal amount to put aside as an emergency fund. Investment options and recommendations. How to approach college education funds. The future prospects of a supplemental income for the Joneses. Links Mentioned in Today's Episode YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Case Study #1 Summary Sheet Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance YFP 248: How 3 Pharmacists Had $700,000 of Student Loans Forgiven Your Financial Pharmacist Disclaimer and Disclosures

Nate Hedrick and David Bright, co-hosts of the YFP Real Estate Investing Podcast, share their top tips and strategies for getting started in real estate investing.  Key Points From This Episode  An update from David and Nate regarding their coaching program.  The importance of having a strong personal financial foundation.  How to break down real estate investing.  Categories best suited for first-time investors.  Nate shares the team aspect of real estate investing to bring down the stress and reduce the barriers to entry.  Where to find a good investment property: off-market.  The importance of being able to define and state your criteria to a real estate agent.  Using math to evaluate an investment and what that looks like; setting up categories.  FAQs you'll hear when starting in real estate investing. Links Mentioned in Today's Episode YFP Real Estate Investing Podcast YFP Planning: Financial Planning for Pharmacists Schedule a free Discovery Call with YFP Planning Insuring Income: Get Quotes and Apply for Term Life and Disability Insurance None to One Group Coaching Program YFP 241: The Top 5 Objections to Investing in Real Estate YFP 212: Checklist for Building a Strong Financial Foundation YFP Real Estate Investing 46: Building a Family Business Around Motel Hacking Download a FREE copy of the YFP Property Analysis Spreadsheet for Pharmacist Real Estate Investors YFP Real Estate Investing 50: Deep Dive Into Spreadsheet Analysis Join the YFP Real Estate Investing Facebook Group Your Financial Pharmacist Disclaimer and Disclosures