PODCAST · business
Every Dollar Counts with Josh & Jay
by Josh Null
Dedicated to those interested in planning for their future and wanting to learn more about how investments and insurance really work. Join co-hosts Josh Null & Jay Stubbs every week as they break down products and services in an easy going and educational manner!
Episodes
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How to Work with Jay & Providence Partners
In this episode, Josh Null and Jay Stubbs discuss Jay's experience and role at Providence Partners and Providence Benefits. Jay shares his personal story of how his father's passing and the importance of life insurance influenced his decision to pursue a career in the financial services industry,...
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How to Work with Josh & GCFA
In this epsiode, Josh discuss why clients should work with his firm and what sets them apart, such as their fiduciary-based approach, years of experience, and ability to cater to clients who have built wealth through entrepreneurship or consistent saving. He also addresses how GCFA can be a good...
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Disability Income & BOE for Financial Advisor's Clients
In this episode, Josh Null and Jay Stubbbs share personal anecdotes and case studies to explore the potential impact of accidents and long-term disabilities on one's ability to work and earn an income. Josh and Jay highlight the significance of protecting income through proper insurance planning,...
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RIAs, IMOs, BGAs: What Financial Advisors Need to Know
In this episode, Josh Null and Jay Stubbs explore the complex world of financial services acronyms. Starting with an overview of their roles and backgrounds, they explain the various organizations and terms that industry professionals encounter. They discuss FMOs (Field Marketing Organizations),...
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How to Incorporate Insurance Planning with Advisory Clients
In this episode, Josh Null and Jay Stubbs delve into a step-by-step guide on how financial advisors can introduce risk management to their clients. The discussion is tailored for curious investors and industry producers, whether independent, semi-independent, or captive. Jay emphasizes using...
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Making The Leap To Being An Independent Financial Advisor
In this episode, Josh and Jay dive deep into what it truly means to be an independent financial advisor. They discuss the pros and cons, highlighting the flexibility and comprehensive service offerings that come with independence. They also touch on the challenges of establishing a credible brand...
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Re-Launch!
In this episode of Every Dollar Counts, hosts Josh Null and Jay Stubbs mark the podcast's return after a nearly two-year hiatus. They catch up on significant career changes: Jay is now an agency owner with Providence Benefits, and Josh has launched his own investment advisory firm, Gulf Coast...
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We're Living A Country Song
As Hank Williams Jr sang, "The interest is up, and the stock market's down.". In this Part 3 of a 3 part mini-series on current market conditions, Josh and Jay discuss the top of mind topic for most consumers right now, inflation. From home goods, construction materials, energy, groceries,...
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Bear vs Bull Markets
There's an old investing saying: "Fortunes are made in bear markets and collected in a bull market". In this episode, Josh and Jay discuss the difference between bear markets and bull markets, and why that matters to investors. The guys also discuss the impact of emotion on the market…
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Fear of Missing Out (FOMO)
From "the next google" stocks, to penny stocks, dot.com stocks, meme stocks, or even crypto, there's typically both social pressure applied to investors to not miss out on the next big thing, but also their own internal feelings of not wanting to "miss" out. This "Fear of Missing Out" or FOMO as...
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How To Pay For Long Term Care
Josh and Jay discuss the different ways to pay for an extended healthcare event, or long-term care as it's commonly referred to. Long-term care events can be one of the biggest destroyers of wealth that a family will encounter. How should you plan for an extended health care event? Should you put...
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Interest Rates and Income Annuities
Interest rates are rising, and there are certain plans for the Fed to continue to increase the Fed funds rate. For pre-retirees and retirees looking at the purchase of an income annuity to help fund their retirement, or those folks with a pension backed by an insurance company provided annuity…
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What is Risk Tolerance?
In this episode, Josh and Jay discuss a phrase many investors have heard but may not fully understand: risk tolerance. What is risk tolerance? Why does it matter when you're setting up your investment accounts? How do you determine your risk tolerance? Josh and Jay quickly go thru his company…
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Women of Mobile Bay: Michelle Lee Melton, J.D.
In this episode, Josh and Jay welcome Michelle Lee Melton, J.D., the Deputy Director of Real Estate Asset Management for the City of Mobile. Michelle discusses pursuing her law degree from the University of Denver, and her career path since graduating, including her current role at the City of...
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Happy Mardi Gras from Josh & Jay
Laissez les bons temps rouler! Josh and Jay take a break from finance and insurance to welcome everyone a very Happy Mardi Gras! In this episode, they discuss the when and how Mardi Gras originated in Mobile, AL (Surprise! Not New Orleans!). The hosts also describe the parades and balls, and how...
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Podcastable and Verbalicious - The EDC Podcast Recap!
It's a story about friendships and relationships and hopefully will bring a smile to your face. Josh and Jay discuss the journey of starting and building the Every Dollar Counts podcast, including the impact the show has had on Josh's financial planning practice, Gulf Coast Financial Advisors…
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How Covid Has Impacted Life Insurance - Update
Josh and Jay discuss the broad impact that Covid-19 has had on life insurance, such as underwriting, the exam process, health ratings, everyday life and more. Want To Continue The Conversation? You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about...
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Which Type Of IRA Is Best For Me?
Josh and Jay discuss the different types of Individual Retirement Accounts (IRAs) and how they fit into different situations. The guys discuss SEP IRAs, traditional (sometimes called rollover), Simple IRAs and Roth IRAs. Tune in to learn about how the contributions limits of each type of IRA, the...
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Life Insurance Retirement Planning (LIRP)
Josh and Jay dive into Life Insurance Retirement Planning, commonly called LIRP. Living longer, having more years in retirement, potentially rising income taxes and uncertainty in the market are all common reasons that investors look for more tax-efficient and stable income sources in retirement....
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Year End Personal Financial Assessment
Josh and Jay are joined by very special guest Will Steih, a licensed CPA, Managing Director for the Nashville Market for Prime Capital Investment Advisors and a team mate of Josh's at Gulf Coast Financial Advisors. The guys discuss how to do a personal financial assessment, diving into items like...
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Disability Income And The Owner Operator
In the episode, Josh and Jay discuss a topic that is vitality important to the risk management portion of a client's financial plan: disability income protection. Tune in to learn about the differences in group versus individual policies, how coverage is priced, the difference between short-term...
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Should I Trust This Stock Market?
In the episode, Josh and Jay discuss positive factors affecting the overall stock market valuation and some areas of concern. Tune is to learn more about how technology and unprecedented government spending is having an impact on the equities markets, balancing that with the growing concern of...
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Who Needs Estate Planning?
In the episode, Josh and Jay discuss Estate Planning and how it applies to a broader range of people than typically assumed. This episode discusses how anyone with assets technically has an estate, irrespective of age or asset value. An Estate Plan is used to manage assets in the event of a death...
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The Tech We Use To Serve Our Clients
In the episode, Josh and Jay discuss the technology platforms used by their respective firms Gulf Coast Financial Advisors and First Protective. While GCFA and First Protective are not affiliated companies, they both have experienced significant growth over the past few years, and both have...
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James Pollard of TheAdvisorCoach.com
Listeners, you're in for a treat! Josh and Jay welcome in James Pollard, the Host of the Financial Advisor Marketing Podcast and founder of TheAdvisorCoach.com. James is a proven expert in the field of helping financial advisors grow their business and get more clients through high level but...
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The 7 Step Protection Audit
In this episode, Josh and Jay break down 7 key elements to assessing your risk management strategy and how it ties into our overall financial plan. Tune in to hear tips on how to develop a "roadmap" for protecting what you own, what you make, and what you plan on leaving behind to the next...
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What impact has Covid had on life insurance underwriting?
In this episode, Josh and Jay discuss how has Covid-19 impacted underwriting requirements for life insurance, disability income insurance and Long Term Care insurance. The guys discuss the multiple changes to both the process of how an insurance applications are submitted and how they are...
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Who are these guys? Getting To Know The Hosts!
Josh and Jay take a break from discussing investments & insurance to talk about their personal lives and how life events have influenced their respective career paths. Tune in to hear how events in Jay Stubb's early life led him to a career of helping families protect themselves financially from...
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What is the Best Retirement Plan for a Business Owner?
Josh and Jay welcome Will Steih back to the studio to dive deep into the different types of retirement plans available to Gulf Coast area business owners. If you're a business owner that is looking to sock money away, what are your options? Should you consider a SEP IRA? Or a 401k? What is profit...
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What Do Plan Sponsors Gain From Benchmarking Their 401k Plans?
This episode is a great example of how competitive the 401k industry has become over the past several years, and why plan sponsors need to keep their plans up to date with consistent benchmarking exercises. We've selected audio clips from a recent Qualified Plan educational webinar that Josh…
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Wealth Transfer Planning and the Estate Tax Exemption
Josh and Jay welcome Will Steih back to the studio for a conversation about Wealth Transfer Planning, an important issue with the recently increased Estate Tax Exemption amount potentially in play with a new administration coming into power. The Estate Tax Exemption, commonly called the "Death...
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Financial Wellness In A Covid World
The global pandemic and resulting market crash and job losses were a stark reminder of how ill prepared most American workers were in an emergency. For companies that offer 401(k) plan, having a robust financial wellness program in place can often help employees deal with this type of financial...
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Taxes, Stimulus & Market Uncertainty
The Big BOSS is back! Will Steih, the Managing Director for the Tennessee office of Prime Capital Investment Advisors, is back in studio with Josh Null and Jay Stubbs for another business owner focused podcast series. Now, normally the show topics are evergreen, but Will, Jay and Josh all felt…
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How the New Electronic Disclosure Rule affects your 401(k) Plan
This episode is a great example of how fast technology is changing, and how that affects 401(k) plans. We've selected audio clips from a recent Qualified Plan educational webinar that Josh hosted with Matthew Eickman, the National Retirement Practice Leader for Prime Capital Investment Advisors &...
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How The CARES Act Is Impacting 401k Plans
This episode features audio clips from a recent qualified plan educational webinar that Josh hosted with Matthew Eickman, the National Retirement Practice Leader for Prime Capital Investment Advisors & Qualified Plan Advisors. Josh and Jay provide context to the CARES Act content provided by...
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The Top 5 Things On The Mind of Gulf Coast Area Business Owners
Lions & Tigers & Bears, oh my! If the global pandemic wasn't enough, Gulf Coast area business owners have also had to deal with multiple hurricanes!! Living along the Gulf Coast presents unique challenges and rewards for business owners. In the episode, Josh and Jay give their respective Top 5...
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Ketchup! What Covid Has Changed: The Good, The Bad and The Ugly
Josh & Jay are back in studio at Deep Fried Studios for the first time in months! It's been just a week since Hurricane Sally hit our part of the Gulf Coast with a fury. Josh and Jay discuss the impact of the storm plus everything that has changed over the past 6 months while dealing with the…
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REAP 4: How 401(k) Plans Have Evolved Over The Years
Josh & Jay welcome Chris Roper, Plan Success Consultant with Qualified Plan Advisors and Chris Bouffard, Managing Director of Wealth Management for Prime Capital Investment Advisors to the Deep Fried studios for Chapter 4 of our Retirement Planning and Education (REAP) Series, a 4 part series...
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REAP 3: Don't Get Sued! How To Reduce Liability In Your 401(k) Plan
Josh & Jay welcome Chris Roper, Plan Success Consultant with Qualified Plan Advisors and Tim Hakes, President of Prime Capital Investment Advisors to the Deep Fried studios for Chapter 3 of our Retirement Planning and Education (REAP) Series, a 4 part series discussing important topics that...
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REAP 2: Not All Target Date Funds Are Created Equal
Josh & Jay welcome Chris Roper, Plan Success Consultant with Qualified Plan Advisors and Chris Bouffard, Managing Director of Wealth Management for Prime Capital Investment Advisors to the Deep Fried studios for Chapter 2 of our Retirement Planning and Education (REAP) Series, a 4 part series...
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REAP1: Why Benchmarking Your 401k Plan Matters SO Much
Josh & Jay welcome Tim Hakes, President of Prime Capital Investment Advisors and Chris Roper, Plan Success Consultant with Qualified Plan Advisors to the Deep Fried studios to kick off Chapter 1 of our Retirement Planning and Education (REAP) Series, a 4 part series discussing important topics…
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Should I consider an Employee Stock Ownership Plan (ESOP)?
Josh & Jay welcome Will Steih, Managing Director of Prime Capital Investment Advisor's Tennessee office, to the studio for the 5th and final chapter of our Business Owner Strategies & Solutions (B.O.S.S.) Series, a discussion about Employee Stock Ownership Plans (ESOPs). Why should a business…
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Leadership Through Crisis Part 6: Tony Woodard
Welcome to the "Leadership in a Time of Crisis" series, where Josh & Jay have a series of conversations with the executive leadership of Prime Capital Investment Advisors, the independent RIA where Josh holds his Series 65 securities license. Tune in to hear behind the scenes details about how a...
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Leadership Through Crisis Part 5: Robert J. Cruz
Welcome to the "Leadership in a Time of Crisis" series, where Josh & Jay have a series of conversations with the executive leadership of Prime Capital Investment Advisors, the independent RIA where Josh holds his Series 65 securities license. Tune in to hear behind the scenes details about how a...
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Leadership Through Crisis Part 4: Chris Bouffard
Welcome to the "Leadership in a Time of Crisis" series, where Josh & Jay have a series of conversations with the executive leadership of Prime Capital Investment Advisors, the independent RIA where Josh holds his Series 65 securities license. Tune in to hear behind the scenes details about how a...
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Leadership Through Crisis Part 3: Glenn Spencer
Welcome to the "Leadership in a Time of Crisis" series, where Josh & Jay have a series of conversations with the executive leadership of Prime Capital Investment Advisors, the independent RIA where Josh holds his Series 65 securities license. Tune in to hear behind the scenes details about how a...
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Leadership Through Crisis Part 2: Tim Hakes
Welcome to the "Leadership in a Time of Crisis" series, where Josh & Jay have a series of conversations with the executive leadership of Prime Capital Investment Advisors, the independent RIA, where Josh holds his Series 65 securities license. Tune in to hear behind the scenes details about how a...
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Leadership Through Crisis Part 1: Scott Colangelo
Welcome to the "Leadership in a Time of Crisis" series, where Josh & Jay have a series of conversations with the executive leadership of Prime Capital Investment Advisor's, the independent RIA where Josh holds his Series 65 securities license. Tune into hear behind the scenes details about how a...
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Jason Will of JPAR Coast & County
Welcome to the "Building your Brand in a Time of Crisis" series, where Josh & Jay talk to local business owners & entrepreneurs from the studios of Deep Fried to discuss specific, actionable tips and ideas to help other business people & professionals navigate this crisis, especially as it…
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Cam Marston of Generational Insights
Welcome to the Building Your Brand In A Time of Crisis" series, where Josh & Jay talk to local business owners & entrepreneurs from the studios of Deep Fried to discuss specific, actionable tips and ideas to help other business people & professionals navigate this crisis, especially as it relates...
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ABOUT THIS SHOW
Dedicated to those interested in planning for their future and wanting to learn more about how investments and insurance really work. Join co-hosts Josh Null & Jay Stubbs every week as they break down products and services in an easy going and educational manner!
HOSTED BY
Josh Null
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Frequently Asked Questions
How many episodes does Every Dollar Counts with Josh & Jay have?
Every Dollar Counts with Josh & Jay currently has 63 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Every Dollar Counts with Josh & Jay about?
Dedicated to those interested in planning for their future and wanting to learn more about how investments and insurance really work. Join co-hosts Josh Null & Jay Stubbs every week as they break down products and services in an easy going and educational manner!
How often does Every Dollar Counts with Josh & Jay release new episodes?
Every Dollar Counts with Josh & Jay has 63 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Every Dollar Counts with Josh & Jay?
You can listen to Every Dollar Counts with Josh & Jay on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Every Dollar Counts with Josh & Jay?
Every Dollar Counts with Josh & Jay is created and hosted by Josh Null.
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