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المحتوى المقدم من Genesis Wealth Planning. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Genesis Wealth Planning أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
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Episode Notes [03:47] Seth's Early Understanding of Questions [04:33] The Power of Questions [05:25] Building Relationships Through Questions [06:41] This is Strategy: Focus on Questions [10:21] Gamifying Questions [11:34] Conversations as Infinite Games [15:32] Creating Tension with Questions [20:46] Effective Questioning Techniques [23:21] Empathy and Engagement [34:33] Strategy and Culture [35:22] Microsoft's Transformation [36:00] Global Perspectives on Questions [39:39] Caring in a Challenging World Resources Mentioned The Dip by Seth Godin Linchpin by Seth Godin Purple Cow by Seth Godin Tribes by Seth Godin This Is Marketing by Seth Godin The Carbon Almanac This is Strategy by Seth Godin Seth's Blog What Does it Sound Like When You Change Your Mind? by Seth Godin Value Creation Masterclass by Seth Godin on Udemy The Strategy Deck by Seth Godin Taylor Swift Jimmy Smith Jimmy Smith Curated Questions Episode Supercuts Priya Parker Techstars Satya Nadella Microsoft Steve Ballmer Acumen Jerry Colonna Unleashing the Idea Virus by Seth Godin Tim Ferriss podcast with Seth Godin Seth Godin website Beauty Pill Producer Ben Ford Questions Asked When did you first understand the power of questions? What do you do to get under the layer to really get down to those lower levels? Is it just follow-up questions, mindset, worldview, and how that works for you? How'd you get this job anyway? What are things like around here? What did your boss do before they were your boss? Wow did you end up with this job? Why are questions such a big part of This is Strategy? If you had to charge ten times as much as you charge now, what would you do differently? If it had to be free, what would you do differently? Who's it for, and what's it for? What is the change we seek to make? How did you choose the questions for The Strategy Deck? How big is our circle of us? How many people do I care about? Is the change we're making contagious? Are there other ways to gamify the use of questions? Any other thoughts on how questions might be gamified? How do we play games with other people where we're aware of what it would be for them to win and for us to win? What is it that you're challenged by? What is it that you want to share? What is it that you're afraid of? If there isn't a change, then why are we wasting our time? Can you define tension? What kind of haircut do you want? How long has it been since your last haircut? How might one think about intentionally creating that question? What factors should someone think about as they use questions to create tension? How was school today? What is the kind of interaction I'm hoping for over time? How do I ask a different sort of question that over time will be answered with how was school today? Were there any easy questions on your math homework? Did anything good happen at school today? What tension am I here to create? What wrong questions continue to be asked? What temperature is it outside? When the person you could have been meets the person you are becoming, is it going to be a cause for celebration or heartbreak? What are the questions we're going to ask each other? What was life like at the dinner table when you were growing up? What are we really trying to accomplish? How do you have this cogent two sentence explanation of what you do? How many clicks can we get per visit? What would happen if there was a webpage that was designed to get you to leave? What were the questions that were being asked by people in authority at Yahoo in 1999? How did the stock do today? Is anything broken? What can you do today that will make the stock go up tomorrow? What are risks worth taking? What are we doing that might not work but that supports our mission? What was the last thing you did that didn't work, and what did we learn from it? What have we done to so delight our core customers that they're telling other people? How has your international circle informed your life of questions? What do I believe that other people don't believe? What do I see that other people don't see? What do I take for granted that other people don't take for granted? What would blank do? What would Bob do? What would Jill do? What would Susan do? What happened to them? What system are they in that made them decide that that was the right thing to do? And then how do we change the system? How given the state of the world, do you manage to continue to care as much as you do? Do you walk to school or take your lunch? If you all can only care if things are going well, then what does that mean about caring? Should I have spent the last 50 years curled up in a ball? How do we go to the foundation and create community action?…
المحتوى المقدم من Genesis Wealth Planning. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Genesis Wealth Planning أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
Financial Fortitude is a podcast for high-income earning professionals facing complex financial issues/challenges such as: - How to pay off MASSIVE student loan debt as quickly as possible? - Where should I be saving today so I can retire early? - When can I retire and how much do I “need” to have saved? - I’m ready to sell my business, what should I be doing? Hosted by experienced financial advisors and CFP®s, Michael Acosta and Brady Hemmerle. This show goes beyond stale and generic strategies to provide in-depth advice about high-income earning professionals’ unique situations. Each episode delves into critical financial topics, helping you enhance your knowledge, strengthen your financial fortitude, and guide you toward becoming an Extraordinary Wealth Builder (#EWB).
المحتوى المقدم من Genesis Wealth Planning. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Genesis Wealth Planning أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
Financial Fortitude is a podcast for high-income earning professionals facing complex financial issues/challenges such as: - How to pay off MASSIVE student loan debt as quickly as possible? - Where should I be saving today so I can retire early? - When can I retire and how much do I “need” to have saved? - I’m ready to sell my business, what should I be doing? Hosted by experienced financial advisors and CFP®s, Michael Acosta and Brady Hemmerle. This show goes beyond stale and generic strategies to provide in-depth advice about high-income earning professionals’ unique situations. Each episode delves into critical financial topics, helping you enhance your knowledge, strengthen your financial fortitude, and guide you toward becoming an Extraordinary Wealth Builder (#EWB).
Michael and Brady delve into the complexities of managing an inheritance. They guide listeners through the steps of handling an inheritance wisely—from understanding what assets are inherited to aligning the windfall with personal financial goals and avoiding common pitfalls. The episode emphasizes the immense $84 trillion wealth transfer expected by 2045 and the importance of planning for both the giver and the receiver. Key topics include maintaining emotional discipline, understanding tax implications, and the necessity of clear communication within families. Key takeaways and actionable steps are highlighted to ensure listeners can make purposeful financial decisions that align with their long-term goals. Key Takeaways: • What are the key steps you should take immediately after receiving an inheritance? • How can understanding the types of assets you inherit affect your financial planning? • Why is it important to seek professional advice before making decisions about your inheritance? Key Timestamps: (00:00) - The Emotional Impact of Inheritance (03:57) - Statistics and Trends in Inheritance (08:33) - Proactive Planning and Communication (14:15) - Steps to Take After Receiving an Inheritance (21:31) - Understanding Different Types of Inherited Assets (24:10) - Key Considerations for Inherited Assets (32:54) - Immediate Gratification (37:10) - Common Pitfalls in Inheriting Money Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances, inheritance, financial windfall, financial goals, managing inheritance, windfall proceeds, legacy, wealth transfer, financial plan, estate planning, tax efficient, financial success, cash flow, investment account, financial decision. Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Genesis Wealth Planning and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Genesis Wealth Planning is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 7237198.2 Expiration 2/27.…
Justin Sandridge, an experienced M&A advisor from Murphy Business Sales, discusses the intricacies of buying or selling a business, emphasizing the importance of meticulous planning and professional guidance. Justin shares his insights on key financial, legal, and operational details that business owners should not overlook. The conversation also touches on the importance of early planning, understanding business valuation, and how to make a business more marketable by focusing on financial reporting, reducing owner dependency, and diversifying customer concentration. This episode is part one of a mini-series designed to help business owners and entrepreneurs navigate one of the most significant decisions they will ever make. Key Takeaways: • Why is early exit planning crucial for business owners, and what timeframe is recommended for starting this process? • What are the key financial and operational factors that can influence the valuation of a business? • Who are the essential professionals that business owners should engage with during the exit planning process? Key Timestamps: (00:00) - The Landscape of Business Sales (09:00) - Planning Your Business Exit Strategy (16:04) - Financial Considerations for Business Owners (21:47) - Building Your Dream Team for Business Transition (23:39) - The Importance of Accurate Valuation (27:24) - The Four C's: Enhancing Business Value (29:56) - Common Deal Killers and How to Avoid Them (37:16) - Preparing for the Next Steps: Structuring the Deal Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances, buying or selling a business, exit planning, business exit strategy, financial plan, sell your business, buy a business, entrepreneur, M&A advisor, Murphy Business Sales, business valuation, financial reporting, customer capital, intellectual property, personal financial planning, business owner, Justin Sandridge Mentions: Justin’s website: https://www.murphybusiness.com and https://www.sellcharlottebusiness.com Justin’s LinkedIn: https://www.linkedin.com/in/justinsandridge/ Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta Sources: "2023 National State of Owner Readiness Report" by the Exit Planning Institute This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Genesis Wealth Planning and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Genesis Wealth Planning is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.9. Expiration 2/27.…
Michael and Brady dive into the concept of becoming an Extraordinary Wealth Builder (EWB). They discuss the importance of saving intentionally and breaking down the steps to achieve financial greatness. This episode highlights the personal savings landscape in America, presents a comparison between average savers and EWBs, and offers practical steps to enhance savings strategies. Key topics covered include setting savings targets, creating awareness, automating savings, diversifying savings across short, mid, and long-term goals, and emphasizing the importance of purposeful financial planning. Key Takeaways: • What does it mean to be an extraordinary wealth builder (EWB) rather than just an average saver? • How can automating and diversifying your savings contribute to financial success? • Why is it important to focus on the amount you save rather than just relying on market returns for financial growth? Key Timestamps: (00:00) - The Basics of Becoming an EWB (01:27) - Challenges and Common Questions (03:02) - Current Savings Landscape (05:50) - Setting Higher Savings Goals (09:50) - Practical Steps to Save More (15:57) - Short, Mid, and Long-Term Savings (25:35) - Comparing Average vs. Extraordinary Savers Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances, extraordinary wealth builder(EWB), Bureau of Economic Analysis, emergency fund, balance sheet, high yield savings accounts, financial diet plan, tax deferred retirement account, Roth IRA, 401k, 403b, traditional IRA, non retirement investment account, social security, CFP Board, return on investment, early withdrawal penalties Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.8. Expiration 12/26.…
Michael and Brady dive into the intricacies of debt management and its impact on financial well-being. They explore the concept of good debt versus bad debt, discussing common types such as mortgages, student loans, business loans, and consumer debt. The episode emphasizes the importance of using debt as a strategic tool to advance one's financial situation while highlighting the risks and emotional challenges associated with poor debt management. Listeners are provided with practical tips on handling debt wisely, the benefits of certain types of debts, and methods to avoid high-interest consumer debt. The episode aims to empower listeners to make informed decisions about taking on and managing debt to achieve their financial goals. Key Takeaways: • How can individuals leverage good debt to build their financial future while avoiding the pitfalls of bad debt? • What strategies can be employed to manage and eliminate high-interest consumer debts effectively? • In what ways can mortgage loans, student loans, and business loans be utilized as tools to enhance financial growth and stability? Key Timestamps: (00:00) - Emotional Impact of Debt (04:24) - Personal Experiences with Debt (07:57) - Current Debt Landscape in the US (11:16) - Good Debt vs. Bad Debt (18:33) - Leveraging Debt for Financial Growth (24:11) - Student Loans: A Deeper Dive (28:21) - Leveraging Debt as a Tool (28:34) - Business Loans: Purpose and Pitfalls (30:53) - Home Equity Line of Credit (HELOC) (33:18) - Securities Backed Line of Credit (SBLOC) (37:25) - Managing Good Debt Wisely (39:19) - Avoiding Bad Debt (40:00) - Practical Tips for Debt Management (47:13) - Utility of Debt (50:50) - Key Indicators of Debt Management Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.5. Expiration 11/26.…
Kick off the New Year by exploring the power of SMART goals—specific, measurable, achievable, relevant, and time-bound—in achieving your financial ambitions for 2025. Michael and Brady provide practical examples and actionable tips to help you stay organized, prioritize effectively, and remain focused despite life’s inevitable distractions. The conversation also dives deep into personal anecdotes and client stories, emphasizing the importance of relevance and alignment in your financial planning journey. Whether you aim to boost savings, pay off debt, or plan for major life events, this episode provides the guidance and tools you need to succeed. Key Takeaways: • What is the SMART framework, and how can I apply it to my financial goals? • What tools can I use to measure my progress towards financial goals effectively? • Why is it important to identify the “why” behind my goals, and how can I effectively do that? • How can I balance personal, professional, and financial goals effectively? Key Timestamps: (00:00) – Setting SMART Goals for 2025 (01:22) – Goal Planning in the Acosta Household (02:20) – The Importance of Specific Goals (03:28) – Practical Tips for Goal Setting (05:39) – The Role of Measurables in Goal Setting (06:18) – Balancing Personal, Professional, and Financial Goals (19:00) – Tools for Measuring Progress (20:21) – Budgeting and Cash Flow Management (26:22) – Relevance: Understanding the 'Why' Behind Goals (33:35) – Time-Bound Goals: Creating Realistic Deadlines (39:02) – Common Pitfalls in Goal Setting Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.6. Expiration 11/26.…
Michael and Brady discuss the concept of lifestyle inflation, where increased income leads to increased spending, often hindering long-term financial goals. They explore how lifestyle creep happens, how to recognize it, and strategies to spend with purpose. By focusing on aligning spending with what truly matters, they propose a shift towards automation and disciplined financial planning. They highlight real-life examples, emphasize the importance of financial literacy, and offer practical solutions for maintaining financial health while enjoying life. This episode is essential for high earners, families, and business owners looking to strengthen their financial fortitude. Key Takeaways: • How does lifestyle creep happen? • What are the strategies for aligning purpose with spending? • What are the impacts of lifestyle inflation? • How can we automate savings? Key Timestamps: (00:00) - Lifestyle Inflation (01:33) - Defining Lifestyle Creep (02:35) - Real-Life Examples of Lifestyle Inflation (08:54) - Behavioral Aspects of Lifestyle Inflation (13:04) - Traditional Approaches to Curbing Lifestyle Creep (16:48) - Reengineering Spending Pathways (20:51) - Importance of Paying Yourself First (21:45) - Setting Up a Wealth Building Account (WBA) (22:51) - Automating Your Savings for Success (26:40) - Case Study: The Impact of Lifestyle Creep (29:38) - Purpose-Driven Financial Planning (35:27) - Power of Accountability Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances, lifestyle inflation, lifestyle creep Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 7237198.1 Expiration 11/26.…
Michael and Brady delve into the important topic of Roth conversions and their potential to revolutionize your retirement strategy. They provide a comprehensive breakdown of the differences between traditional IRAs and Roth IRAs, explain how Roth conversions work, and discuss the tax implications involved. The segment also covers when it makes sense to convert, the benefits and risks of this financial strategy, and offers practical scenarios to illustrate the impact. Listeners are guided through each step with real-life examples and tips on avoiding common pitfalls. Key Takeaways: • What are the key benefits of conducting Roth conversions as a part of long-term financial planning? • How can different life stages and income levels impact your decision to perform a Roth conversion? • What are some common mistakes to avoid when considering or executing a Roth conversion? Key Timestamps: (00:00) -Traditional vs. Roth IRAs (04:19) - How Roth Conversions Work (05:19) - The Evolution and Popularity of Roth IRAs (07:14) - Tax Implications and Strategies (16:56) - Key Considerations for Roth Conversions (18:20) - Benefits of Roth Conversions (23:25) - Strategies to Maximize Roth Conversions (35:06) - Common Mistakes to Avoid Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances, Roth conversions, Traditional vs Roth IRA, Tax-Free Retirement, Tax-Free Growth Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.7. Expiration 12/26.…
Brady and Michael talk with Shawn Garrett, an experienced business law attorney, about the crucial importance of buy-sell agreements in ensuring business continuity and protecting business interests. The discussion delves into scenarios such as death, divorce, disability, disagreement and default that necessitate such agreements, and the significance of proper business valuation and funding. Shawn explains different types of buy-sell agreements, including cross-purchase agreements, and stresses the role of professional planning and expert consultation. Real-life examples underscore the potential pitfalls of unfunded agreements and the benefits of integrating life and disability insurance into business strategies. This episode provides invaluable insights and advice for business owners on drafting, updating, and properly structuring buy-sell agreements to avoid operational and financial chaos. Key Takeaways: • Why is it crucial for business owners to have a buy-sell agreement, and what are its key components? • What are the common pitfalls business owners face with buy-sell agreements and how can they be avoided? • How do funding and valuation play a role in the effectiveness of a buy-sell agreement? Key Timestamps: (00:00) - Meet Shawn Garrett (00:58) - Understanding Buy-Sell Agreements (02:52) - The Five D's: Key Triggers for Buy-Sell Agreements (04:09) - When to Draft a Buy-Sell Agreement (12:23) - Types of Buy-Sell Agreements (16:53) - Funding the Buy-Sell Agreements (20:43) - Real-Life Scenarios: Divorce and Business Ownership (23:45) - The Importance of Buy-Sell Agreements in Business Continuity (33:44) - Modifying Agreements: When and Why Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.4 Exp. 11/26.…
Life throws us curveballs. From unexpected expenses to sudden health issues, Michael and Brady discuss how such events can disrupt financial plans. They emphasize the importance of making purpose-driven decisions rather than solely relying on math. The episode features a real-life case study of a 44-year-old single individual who faced a major health scare, forcing them to rethink their financial strategy. Michael and Brady advocate for a flexible, proactive approach to financial planning that aligns with personal goals and life circumstances, underscoring the significance of adapting plans to maintain quality of life. Key Takeaways: • What does financial success look like for you? • How can you build flexibility into your financial plan? • Are you prepared for unexpected life events? Key Timestamps: (00:00) - When the Math Doesn't Add Up (02:23) - Rational vs. Reasonable (05:56) - Case Study: Navigating a Health Scare (11:57) - Flexible Financial Planning (24:25) - Preparing for Life's Curveballs (30:49) - Conclusion and Final Thoughts Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.2 Exp. 10-26…
Michael Acosta and Brady Hemmerle discuss the critical importance of long-term disability income protection insurance. They break down what it is, why you need it, and how it can safeguard your financial future when unexpected events occur. Emphasizing the importance of protecting your ability to earn a living, the episode explores various aspects of long-term disability insurance, including group coverage limitations, personal policies, and key features like partial disability benefits, cost of living adjustments, and future increase options. Michael and Brady also guide listeners on where to get personal policies and how to design them effectively to ensure optimal financial protection. Key Takeaways: • What’re some of the common misconceptions regarding long term disability? • How will you know which long term disability policy fits your needs? • An example of how long term disability can actually save you millions of dollars Key Timestamps: (00:00) - The Importance of Protecting Your Income (01:14) - Understanding Long Term Disability Insurance (03:44) - Common Misconceptions and Realities (05:37) - Where to Get Coverage and How Much You Need (09:32) - Designing Your Disability Insurance Policy (24:47) - Additional Features and Customization (29:06) - Case Study Example Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 7012070.1 Exp. 10-26…
Michael and Brady discuss how technology and industry changes have broadened access to financial advice, making it more accessible beyond just wealthy individuals. The episode delves into the challenges of selecting the right financial advisor, examining where Americans currently get their financial advice, and the implications of various advisory models (fee-only, fee-based, commission). Key topics include the importance of finding a suitable advisor, understanding compensation structures, and the roles played by different types of financial institutions. The episode concludes with actionable advice for individuals at different stages of their financial journey on finding the best professional guidance for their needs. Key Takeaways: • Who should seek financial advice? • The surprising place most Americans get their financial advice • Why a certain advisory model may or may not be suitable for you? Key Timestamps: (00:00) - The Evolution of Financial Advice (01:17) - The Challenge of Choosing the Right Advisor (04:50) - Survey Insights: Where Americans Get Financial Advice (15:42) - Understanding Different Types of Financial Advisors (24:44) - The Role of Technology and Robo-Advisors (27:02) - Choosing the Right Financial Partners Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6992075.1 Exp. 10-26…
Michael and Brady discuss the significant burden of student loans on Americans and delve into current strategies for managing this debt while still achieving personal and financial goals. They explore the misconceptions surrounding student loans, differences between federal and private loans, and the importance of utilizing loan forgiveness programs. The episode also provides a comprehensive understanding of recent legislative changes affecting the SAVE plan and its implications on borrowers. Listeners are encouraged to manage student loans strategically and consult with certified professionals to optimize their financial health. Key Takeaways: • Is reducing your monthly minimum required payment for your student loans possible? • How is the student loan legislature going to change in the future? • What advantages does working with an advisor offer in terms of minimizing your student loans? Key Timestamps: (00:00) - The Evolving Landscape of Student Loans (05:54) - Federal vs. Private Student Loans (10:01) - Student Loan Debt Across Professions (21:51) - Borrower Considerations (25:24) - Student Loan Forgiveness (33:00) - Understanding Federal Student Loan Interest (36:45) - Income-Driven Repayment Plans (43:30) - Case Study: Optimal Repayment Strategies (54:08) - Legislative Changes in the SAVE Plan (1:01:00) - What Borrowers Should Be Doing Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances, SAVE plan Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.1 Exp. 10-26…
Michael and Brady provide a comprehensive guide on navigating employee benefits and retirement planning during open enrollment. Key topics include the differentiation of healthcare plans like HMOs and PPOs and the strategic use of Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) to maximize tax advantages. The episode also covers the importance of short-term and long-term disability insurance, particularly for maternity leave, the benefits and limitations of group life insurance, and strategic retirement saving. Discussions extend to maximizing employer matches in retirement plans, the considerations between Roth and pre-tax IRAs based on tax brackets, and utilizing legal benefits through employer-provided plans. Key Takeaways: • What factors should you consider when choosing between different types of healthcare plans during open enrollment? • How can enrolling in tax-advantaged accounts like FSAs and HSAs benefit you financially in the short and long term? • What are the essential employee benefits to prioritize during open enrollment, and how can you maximize their advantages? Key Timestamps: (00:00) - Understanding Open Enrollment (03:15) - Types of Benefits and Considerations (05:12) - Triggering Life Events and Adjustments (06:21) - Core vs. Ancillary Benefits (07:29) - Medical Insurance Options (15:52) - Flexible Spending Accounts (FSA) vs. Health Savings Accounts (HSA) (18:44) - Understanding HSA Tax Benefits (24:38) - The Importance of Disability Insurance (26:51) - Group Life Insurance Considerations (30:17) - Retirement Plan Options and Strategies (35:31) - Leveraging Legal Benefits Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances, open enrollment, employee benefits Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 6991809.3 Exp. 11/26.…
Brady and Michael introduce themselves and share the vision for their new show, Financial Fortitude. They discuss their personal journeys into the financial industry, the importance of understanding personal motivations ('whys'), and how these elements drive their work with clients. The episode also explores the value of financial advisors, how to select the right one, key factors to consider, and the impact of life changes on financial planning. Key takeaways include the significance of disciplined financial habits, the role of behavioral finance, and the importance of establishing strong advisor-client relationships. Key Takeaways: • What do your financial advisor and therapist have in common? • How does financial advice go beyond the spreadsheet? • What does financial accountability look like? It’s not what you think • What’re some life events that warrant reaching out to a financial advisor? • Brady thinks you can grow a six pack and he’s probably right Key Timestamps: (00:00) - New Podcast, Who This? (01:42) - Michael’s Why (05:12) - Brady’s Why (07:52) - Money Can Be Stressful, Here’s What to Do About It (10:37) - What Does a Financial Advisor Do? (12:57) - What is Financial Fortitude? (14:47) - Define Your Financial Why with One Question (16:37) - Your First Date with Your Financial Advisor (19:23) - What Does Financial Accountability Look Like? (23:20) - Understanding the Psychology Behind Financial Decisions (25:00) - Why Hire a Financial Advisor? (26:37) - Life Events that Warrant Working with an Advisor (29:13) - Key Questions to Ask Your Financial Advisor (32:55) - The Importance of Communication and Expectations (39:39) - Why We Do What We Do Key Topics Discussed: Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, financial psychology, financial advisor, student loan debt, Dave Ramsey Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 7095145.2 Exp. 10-26…
Michael and Brady dive into the crucial steps couples should take after getting married. They emphasize the importance of communication, setting joint goals, consolidating finances, checking one's financial immune system, and not being afraid to seek professional help. Drawing from personal and client experiences, they highlight practical strategies for merging finances, managing cash flow, and ensuring financial stability in marriage. The discussion also touches on topics like estate planning, prenuptial agreements, financial discipline, and teaching children about delayed gratification. This episode is a comprehensive guide for couples looking to strengthen their financial bond and fortitude after tying the knot. Key Takeaways: • 45% of divorces occur because of money problems, but is it avoidable? • Overcoming scarcity vs abundance mindset differences between partners • Understanding the cost of raising a money smart kid • The top 5 financial to-dos before saying I do Key Timestamps: (00:00) - Personal Financial Planning in Relationships (07:49) - Challenges in Merging Finances (10:44) - Balancing Individual and Joint Financial Goals (12:44) - Financial Infidelity and Divorce (17:46) - Managing Household Finances Together (21:55) - Scarcity vs. Abundance Mindset (27:33) - Spending Thresholds in Relationships (30:42) - Teaching Kids Delayed Gratification (36:25) - Top Five Financial To-Dos Before Marriage (42:16) - Joint Accounts and Budgets (45:54) - Financial Immune System Check-Up (49:59) - Prenups and Estate Planning Key Topics Discussed: Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, financial therapist, student loan debt, finance guidance for high earners, business owner finances Mentions: Website: https://www.genesiswealthplanning.com/ Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/ Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/ Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or (INSERT DBA or AGENCY NAME) and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. (INSERT DBA or AGENCY NAME) is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 7095145.1 Exp. 10-26…
مرحبًا بك في مشغل أف ام!
يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.