The Big Idea

Mike Anderson, The Money Minute Update. Investing, Behavior & Discipline Missing the best days… Learn more from Michael Anderson as he shares insight on this podcst. Learn more online visit maranantha.com  or email [email protected]  You can book a free 15-minute call on our website. 

Mike Anderson, Quick 5 Minute Update. How have interest rates changed in past 1-2 years? What impact are we seeing in home prices and real estate in Ventura County? Are there good products for investments becoming available again because of these higher rates? Learn more from Michael Anderson as he shares insight on this podcst. Learn more online visit maranantha.com  or email [email protected]  You can book a free 15-minute call on our website. 

3 Money Lessons for High School Seniors Why do we want what we want?  Why do we spend our money on stuff?   How important is Credit and having a credit card? Knowing the Rules of the Game. (with credit & all financial decisions) Why is real estate an attractive option?  (Appreciation, Inflation with rents, interest rates, paying the loan down over time) What is a CYCLE in real estate? What does it look like?

Validation: Can I Retire?  A few notes & thoughts about navigating money choices and life events.  The validation of trying to justify the retirement decision… How does one answer the question of “Can I Retire?”   I’m not going to attempt to answer the question but I think it’s a fair one to ponder and I discuss a little about the process.   Additionally, we discuss divorce, income for retirement, starting out as the young & penniless, fighting for every dollar and more.  The theme, it’s always best to seek some guidance when making money decisions.

How Dry is Your Financial Cake?  Is Dave Ramsey Out of Touch? Have you ever baked a cake? Did you determine if it was made perfectly or if there might have been any changes you would have liked to make? This same reasoning can be used with your financial situation, today’s show is “How Dry is Your Financial Cake?”  “Is Dave Ramsey Out of Touch?”

Michael Anderson, Wealth Planning Interest Rates Home Prices Retirement taxes with IRA’s and distributions along with Roth Conversions. Connect, ask a question or listen to previous episodes please check out Maranantha.com

About Annuities. An annuity is a product that a lot of people don’t really like to hear about. And if you don’t have one, you probably won’t get one. But if you do have one, um, You were probably sold one and you’re wondering if it’s a good product or not. I don’t offer them, as a product that I have for clients, but I do help educate people on them. WHAT SHOULD YOU KNOW ABOUT YOUR ANNUITY? It is a product that, if used for the wrong reason, it’s a very inefficient vehicle. It’s like using a Ferrari to take multiple children to school. A much better product would be a school bus, right? You want to use the right vehicle for the objective that you’re trying to achieve. An annuity salesmen like a contractor that only has a hammer as a tool. And if you only have the hammer as a tool, then every client begins to look like a nail. Unfortunately, I’ve seen this to be true in the industry. Some salesmen only sell annuities. So regardless of your situation, you’re going to be recommended to have one of these products. And that’s the part where I think it’s not good. FEES So the first thing to understand is the fees because the fees are what’s going to impact performance. If you have a variable annuity, it’s going to have fees in there. It’s going to be 1% to 2% just right off the top for the annuity and then whatever income rider or death benefit rider is included in that annuity. If it’s an income rider, there could be a benefit to having that annuity, if you use it. Conversely, what I often see is, people will have a variable annuity with an income benefit rider, but they’ll never use the rider. They’ll never use the income. They’ll never actually take the benefit of what they’ve been paying for for a long time in those scenarios, the annuity company wins. So, you definitely want to understand what the fees are. What type of annuity do I have? Is there an income benefit rider or death benefit rider? There’s much more to it than that, but that’s the first step to get ahead of the game. The second thing that people will say is, “Oh, I have an annuity and I didn’t pay any fees”, and it turns out they have a fixed indexed annuity or a fixed annuity. It’s not that there’s no fees, it’s that the fees are included in the way the product is offered. So you don’t have to write a check. There’s no deduction of fees from what you receive. It’s just baked in the cake. You don’t really see it, but the insurance company is making some money off of offering this to you. With these index annuities, the salesman will tell you  “Oh, this is a wonderful product you can earn”, and they’ll spout out a percentage number. For example, they’ll tell you, “This is a great product. When the market goes up, you could earn 9% return from this product”. And in your head, you’re thinking what 9% annually. But in reality, they’re saying you could get 9% for the total of the four year product. 9% for four years, that’s not anything special. That’s 2.25% per year. That’s hardly better than a savings account. Uh, and that’s, that’s, what’s possible. That’s the highest return you could possibly receive. You could also get zero. What I don’t like about indexed annuities is that they will often get misquoted, just like the example above. Annuities are tricky. If you already have an annuity and you don’t understand it, or you’re considering cashing out your annuities it’s best to have a consultation with a financial advisor. I’m a fiduciary, and I’d be happy to review your accounts and talk with you about options for your annuities. If you would like you can get more information go to Maranantha.com or email at [email protected]. Disclosure: This is an educational program. I’m not giving you advice. Please, don’t take advice from me on this program as I don’t know your personal situation.

Death and Deep Conversation. On this week’s episode, Mike explores the difficult conversation of death and personal finance. To learn more go to Maranantha.com, and press the Start Here button. Music by Jay Man | OurMusicBox Website: www.our-music-box.com YouTube: www.youtube.com/c/ourmusicbox

4 Quick Money Lessons. The Basics Investing Sooner Getting the best out of your investments starts with investing sooner. In the long run, it’s not just how much money you make that will determine your future prosperity. It’s how much of that money you put to work by saving it and investing it.  The Debt. Types of Debt Home Loan (Mortgage) Car Loan Student Loan Credit Card  Business Loan The Investor Cycle.  You don’t realize how emotional money is until you start making some investments and see it roll through this cycle.  The Five Money Priorities.  Understand your Cash Flow. Have an Emergency Fund. Save for goals or assets that you want to acquire. Retirement. Philanthropy.  This is all part of our 4 Money Lessons to get rich with personal finance knowledge. If you  are interested in applying the 4 lessons to your specific situation, download the lessons here. I’d be happy to discuss this with you for your specific situation. We can have a free 15 minute call, you just click the Start Here button at Maranantha.com. Music by Jay Man | OurMusicBox Website: www.our-music-box.com YouTube: www.youtube.com/c/ourmusicbox

Investment Management. Are you familiar with the “barbell strategy”? When you think about how you’re investing your money, maybe you have a 401k, an IRA, a retirement funds or investment account. How do you decide how much money is in cash or how much money is in something else, like stocks or in bonds?  The Cost of Investment Management We want to keep your expenses low. This includes the internal cost. We can help make sure that the internal costs of what we’re doing are low, so we’re not missing out on performance with various fees. As far as turnover, generating high taxes also eats away at your performance. So, there are a number of things to think about when it comes to investing. One approach is the idea of looking at the whole market and saying, “Let’s diversify”, and be invested in the broader market. Within that, there are some areas  where we can target a higher expected return with some sectors, countries or companies. Within these we want to have overweight.  Stocks With stocks, it’s important to know the company size, what’s the relative price that it’s currently being offered at and how’s their profitability. These are the dimensions of expected returns and we can look to those three areas to understand stocks.  Bonds With bonds, we look at the maturity of the bond, and when we are going to get our money back, the credit quality of the bond, and it’s currency. These are the dimensions of expected return. If it’s a, not a domestic bond, but rather an international bond or an emerging market bond, sometimes you have to be sensitive to the currency it’s in.  The Barbell Strategy I think it’s so important to have what I’ll call the barbell strategy, sometimes called the dumbbell strategy. The barbell strategy attempts to answer these questions:  What if their market returns to new all time highs in the stock market? Are you positioned to participate in that stock market run?  If it goes to all time new, all time highs. The other question people think about it. What if there’s a decline from where we are today of 50% in the stock market from where we are right now. Are you positioned okay for that event?   Personal finance is more personal than financial. It’s important to know where you are at, and to understand what money you need right now, for the next three months, six months, year, two years, and so on. You’ll find a comfort level with saying, “I need X dollars to be comfortable in my life” or having an emergency fund in your savings account.  Long Term Investing What should I be doing with this additional money that I have?  That’s when you can have a long term approach with your money and can invest it into the market, while being sensitive to the company size, relative price and profitability. We can invest it, and if the market does return to new all time highs, you will be positioned well with that money, if you’re hedged you’re in a good position.  I like the barbell strategy, and I’d be happy to discuss this with you for your specific situation. We can have a free 15 minute call, you just click the Start Here button at Maranantha.com. Music by Jay Man | OurMusicBox Website: www.our-music-box.com YouTube: www.youtube.com/c/ourmusicbox

Roth Conversion. Taxes are low and they aren’t staying low is my thought! Take a look at the history of taxes in the US!   (I’ve included a pdf). We’re at historic lows right now! The idea for everyone to consider right now, get as much money as possible into ROTH IRA accounts.  Doing these Roth Conversions as they are an opportunity now that will provide very beneficial when taxes go UP.  Additionally, if there is another market decline, it’s going to provide a very good opportunity to do this ROTH conversion! Filling your current bracket is the KEY!  I think it makes sense for older people too because they will pass on ROTH IRA that will give their heirs tax free money. What are your thoughts? Email us: [email protected] *Did you know social security wasn’t taxed before 1983? In 1984 they started taxing part of social security….  Kind of scary if you think about it…  https://www.ssa.gov/history/taxationofbenefits.htm Music by Jay Man | OurMusicBox Website: www.our-music-box.com YouTube: www.youtube.com/c/ourmusicbox

Money Stories Here are 10 questions for you, would you care to share a story about money? Answer one or more of these questions in the comments (or click the link & record a voice mail to me.) https://www.speakpipe.com/AllocationLink What scares you about money? What do you wish you would have learned at age 22 about money? What did you think was true but actually wasn’t about money? What more do you want to learn about money? Are you comfortable with money? What do you waste resources on with money? What age does one need to be thoughtful with money? What did your parents teach you about money? What stories do you have about “saving for tomorrow”? What stories do you have about “living for today”? For more information visit Maranantha.com, and click the Start Here button. Thanks for Listening! Music by Jay Man | OurMusicBox Website: www.our-music-box.com YouTube: www.youtube.com/c/ourmusicbox

Why You Shouldn’t Invest the Money Your Saving to Buy a House. In this short episode, Mike reflects on his Business Insider Interview from June 2019.  Check out the article here. Learn more online at maranantha.com click the Start Here Button.   Music by Jay Man | OurMusicBox Website: www.our-music-box.com YouTube: www.youtube.com/c/ourmusicbox

Investment Ideas Which investments return 0%? Which investments return 3%? Which investments return 6%? Which investments return 9-12%? In this episode, I’ll be sharing 2 ways that I can help you with your investments. Learn more online at maranantha.com, click the Start Here button.  Music by Jay Man | OurMusicBox Website: www.our-music-box.com YouTube: www.youtube.com/c/ourmusicbox

Should I fund my Retirement or Buy a home? What is more important, fund retirement or buy a home?  How do I get started with retirement?  What do I need to know about buying a home? Learn more online maranantha.com click the Start Here button. 

Ryanne Bamieh: Peace Corps Volunteer 2018-2020 Ryanne served in Comoros, East Africa, she is from Ventura, CA and graduated from Stanford University.  The Peace Corps is a service opportunity for motivated change makers to immerse themselves in a community abroad, working side by side with local leaders to tackle the most pressing challenges of our generation. Interesting notes mentioned in the show.  An integral part of the Peace Corps is the talented and diverse professional staff committed to the agency’s mission and providing behind-the-scenes support for our Volunteers abroad. Whether you are just starting your career or have professional experience and/or specialized skills already, the Peace Corps is a great place to work.  Domestic positions: Many staff positions relate to the recruitment and selection of Volunteers, in addition to a wide range of roles in program management, administrative services, finance, security, human capital, communications, legal services, health services, and information technology. Overseas positions: U.S. citizens may be hired for the following Peace Corps overseas staff positions: country director, director of management and operations, director of programming and training, associate directors and medical officers. Internships: Intern program has provided direct experience working in public relations, marketing, human resources, web development, program management, and accounting. Business opportunities: The Office of Acquisition and Contract Management works with vendors who can provide or develop the right tools, people, strategies, infrastructure, and programs to support the agency’s mission. Link to more info: peacecorps.gov  and here is a link to a You Tube video that Ryanne’s club created.  “The Peace Corps Comoros Club 2020”

Nick Mehle, Trader Joe’s Wine Guy in Ventura & Local Brewery Ideas for Quarantine.  Have you ever heard of a hustle buy? What is the best selling wine at Trader Joe’s? The Party Pleaser… it makes everybody happy. (not 2 buck chuck) How does Trader Joe’s offer such great wine buys? Are there ways to support local breweries during quarantine? What are some ways that partnerships work well in Ventura County?

4 Problems a Financial Advisor Helps With Competence is a big issue for families when it comes to personal finance.  Are you doing it right?  Consulting & coaching is important because sometimes people need help or accountability. Continuity is something many of fail to think about, we want our legacy to be in place with a smooth transition. Convenience is a major reason people decide to hire a financial advisor, please take this off my plate. Learn more online and visit Michael Anderson at Maranantha.com 

We all have a story… money & relationships We all have a story when it come to money and relationships. Our views, values and perspectives are not always in-line with our partners… This week, we highlight a few stories. Managing money & relationships is a very difficult task for a household to do well.  Two short stories of families that have struggled but are working together on a path forward. A few quick stories from Tom Spence Learn more online visit maranantha.com  

Michael Anderson, Certified Financial Planner What are the 12 Unifying Principles of Personal Finance? How can couples work better by looking at their finances with the same filter? Fun banter with Tom Spence in the lunchroom. Learn more online at maranantha.com

Being Happier – 4 life hacks We pulled this article from the internet, hope you enjoy it. #1 Negative visualization #2 As If #3 Fake that smile. Stay calm. You’ll feel better faster. #4 Forgive & carry on. Learn more online at collectingwisdom.com

First in family to go to College, AVID.  AVID is a program to help kids 6th-12th grade with college readiness. Why is having some help or guidance so important with college? You can lead a horse to water but you can’t make it drink… it’s similar with education but they kids are thirsty. Learn more online search for AVID programs in a school district near  you. 

Ventura County Civic Alliance In this episode we will review many of the headlines from the state of the county report that is done every 2 years. What is the STATE OF THE COUNTY REPORT? Where does Ventura County rank next to other California Counties?  Learn more online, get your free copy of the report at civicalliance.org

Alon Goren, Goren Holm Ventures (GHV) What is bitcoin?  Why special?  Why important to average people. Blockchain?  Why special?  Why important to average people. An industry in its infancy with little to no advantage to anyone based on school, geography, socioeconomic status, etc., Where can people go to learn more? What event is coming up??? CIS.LA –  October 15-16 at LA convention Center Alon is a Founding Partner of Goren Holm Ventures (GHV), a Venture Studio that incubates and accelerates blockchain startups. Alon is also Co-Founder of CIS, the world’s largest investment focused blockchain conference. He is an investor, speaker, host and leader of one of Southern California’s largest group of investors and entrepreneurs, 805 Startups, with a laser-focussed eye on building and supporting startups and entrepreneurs. A pioneer in the crowdfunding space, Alon had been involved in over $200 Million Dollars in online investment transactions. He has developed technology that powers websites and financial transactions for Fortune 500 companies and well-known foundations such as Coca-Cola, American Express, ATB Financial and Global Philanthropy Group. InvestedIn, Alon’s previous company, created a white label fundraising portal for individuals and businesses hoping to crowdfund ventures independently of major platforms. Later, his support of the JOBS Act, online media expertise and day-to-day interactions with venture funds, investors and financial professionals inspired him to create a solution to market hedge funds, real estate funds and venture funds to investors over the internet. Before InvestedIn, Alon worked for entertainment tech giants such as Amazon, IMDb and MySpace where he managed customer experience, product development and support. InvestedIn was named “Best Marketplace Platform” by the Los Angeles Venture Association in 2013 and he was named to the Socaltech 50 for his work with InvestedIn. Alon is a thought leader on social enterprise, venture capital and crowdfunding, and has spoken at SXSW V2V, Kingonomics and many other conferences and been featured in prominent publications including Forbes, WSJ, Washington Post, TechCrunch and VentureBeat.

Alok Deshpande, SmartPath CEO What is the difference between financial coaching and financial advisors?  How do you work with people to make better financial decisions? What are some positive outcomes you see after people use SmartPath? How affordable is financial coaching and what does the process look like? Learn more online search joinsmartpath.com 

Brick Conners, Author of Fighter Pilot Parent How do you train kids for high threat, high complexity situations?  What is the difference between controlled failure and a no-threat environment?  Kids can be great leaders! Kids will often ask the right questions. The Trust Competencies and why they are important.  There are no atheists in the cockpit.   Continuum of Leadership – leading. learning. teaching. following. Learn more online at pharoslead.com

Marni Brook, Women’s Economic Ventures How does WEV help women and men with success in business?  What is the training, coaching and capitalization that WEV offers? What programs are available for people with an idea? Learn more online: WEVOnline.org 

The Mayor of Ventura, Matt LaVere is our feature interview. He shares information about business, housing, budget issues, SOAR, tourism, water and the future of Ventura.

Lacey Langford, The Military Money Show What are some differences with money between military life and civilian life?  What is important to you about serving the military population? How does life insurance come into play with families in the military? What are some common financial planning issues veterans and military families should be aware of? Learn more online search for Lacey Langford

Clyde Reynolds – Types of MENTAL ILLNESS What do we need to know about various types of mental illness? Is there a stigma with getting diagnosed or taking medication, how do we normalize this conversation? Where can people go for more information, insight or help?    1 in 5 people in the US have some type of mental illness yet 56% go untreated. Learn more online at https://nami.org/

Special Fatherhood Program,  What are the memories you have of your childhood and spending time with your Dad?  What does it mean to be a father/dad?  How does being a Dad impact your life?    What are the top 5 rated gifts for Dad this Father’s Day? Michael Anderson & Tom Spence talk about all things related to Dads & Fatherhood in this episode.

Generation Z, Fun stats about 2019 Grads Generation Z, born between 1995-2012.  Ever since they were born, the internet has been here and growing, they have grown up with technology.  What does the next 50 years of work hold for Generation Z?  Currently they are the largest population demographically, taking up 26% of the world population. 20 Years ago Buzz Leherman gave a commencement speech, it’s still appropriate today. Please enjoy this 26 minute podcast, Tom Spence and Michael Anderson review Generation Z stats and we hear that 1999 Buzz Lehrman commencement speech set to music, “Wear Sunscreen”.

Tim Lohman, Ventura County Sheriff’s Office What is going on with the phone scam calls?  How can we stay safe, what are practical tools? What is happening with email scams right now? Where do we report these scams and other issues? Learn more online: https://www.venturasheriff.org/

Connie Albers, Author of Parenting Beyond the Rules  How can parents be more prepared for teenage years? What should parents expect going into young adulthood? Is parenting today different than parenting 30 years ago? What ways can we embrace technology to be solid parents? Learn more online at conniealbers.com

Banks Pecht, How does asking the right questions improve performance? Can high performing people achieve more happiness and success, how is this done? What is coaching and how is it different from therapy? Does coaching help with job search? What is the difference between facts and feelings? Why does this matter? Learn more online visit bankscoaching.com

Dr JM Perry, Relationships & Performance Embracing the obvious, why is this often so difficult. Learn more online JmPerry.com

Tom Spence & Michael Anderson on Radio & Podcast How do you keep your home secure?   Security back in the good ole’ days used to be very different than today. Higher education has been a focus… what’s next in this conversation? Gas Prices are outrageous, how can we understand the variations in gas prices? Avocados are grown in Southern California but why do they cost so much? Spring cleaning is here, what does that mean for you?

Michael Anderson, Certified Financial Planner in Ventura, CA What are the money questions that everyone should get answered?  What does Tony Robbins have to say about money and finding a financial advisor?  There are 5,000 fiduciary RIA financial advisors in the USA.  Where do we find them napfa.org  Learn more online go to Maranantha.com

Best of The Big Idea Show with Michael Anderson Kevin Costner talks about working toward goals and moving away from hurdles.  Matt Lavere talks about helping to get the clean diesel program at Ventura College Cyber Security programs at Moorpark College that you should know about. Kat Martin is a NY Times best selling author, 25 times over, hear what she has to say about sensitivity in books. Jason Pridmore compares the golf with motorcycle road racing. Grant Sabatier talks about the FIRE movement in personal finance. and much much more…  if you have not subscribed to the podcast yet. Please subscribe, rate & review.

Oh, the Places You’ll Go… What is your favorite book by Dr. Seuss?   Do you follow any specific groups or pages on facebook? We share some quotes from Positivity for Smart People.

Kim Milstein, CEO at Ventura County Medical Center What is the new and exciting at Ventura County Medical Center? Share the details and impact of having a new family room in partnership with Ronald McDonald House Charities. On April 7th there is going to be a big event, the walk for kids 5k to raise $125,000 for this new family room. What is the current state of healthcare within Ventura County? Sign up for the Walk For Kids event at walkforkids.org/ventura Non-Profit Spotlight Healthcare Foundation for Ventura County is a wonderful local non-profit doing great work.  Learn more online at their website, https://hcfvc.org/

Sandy Smith, Professor at Cal Lutheran University, Master’s program, public policy.  What does good local government look like?  How can we benchmark our elected officials in an objective way to measure if they have been effective and successful? What issues do we normally see in local government? How does social media play a role with local government now, are people more engaged? What does good engagement look like? Learn more about Sandy Smith by going to sespeconsulting.com Non-Profit Spotlight Ventura County Civic Alliance does a bi-annual state of the region report.  VCEDA focuses on 3 main things: economy, environment and social equity. Learn more online at http://www.civicalliance.org/

Kat Martin, NY Times Bestselling Author, 17 Million copies in print. Is publishing a book more difficult or less difficult today vs 20 years ago? What is the difference between self publishing vs working with a publisher? What do you recommend for someone wanting to get into writing a book? How much of book writing today is actually marketing? Learn more online at katmartin.com LJ Martin, Author of over 50 books Can anyone write a book? What does it take?  How is Amazon changing the landscape of publishing books? How has your marketing expertise helped your book writing career? How much research goes into writing books? Learn more online at LJMartin.com  Non-Profit Spotlight Kat talks about the Salvation Army. LJ talks about the Rocky Mountain Elk Foundation. Learn more online at The Salvation Army and Rocky Mountain Elk Foundation website rmef.org

Grant Sabatier shares 12 tips on money. Why do people trade time for money?  What is the problem with using a budget? Where should people save money if they truly want to make an impact? How much money do people need to retire? What do you think about the FIRE movement? Learn more online search for Grant’s book: Financial Freedom. 

Make the most of your trip to Southern California. Here are 20+ ideas for your trip to California, do it like a local, see the right spots. Get the right beaches, find the right day trips, don’t miss Ojai, Camarillo outlets, Ventura Harbor, Santa Barbara via amtrack & more. 7 reasons Ventura County is the perfect spot to be your HUB when you visit California? Which spots in Ventura California are great to eat and go out for nightlife? Three sites you have to explore before your trip to California: Visit California, Visit Ventura,  Ventura County Coast

The Smart People Money Show  What are the things that smart people DO & DON’T do with their money?  Our topic includes: online banking, fees and transparency.  Twelve years and 3 observations from working with people on their financial matters.  Finding a bank savings rate that is much higher with online banks.  Fees, fees, fees… What do you get for your fees?  This is a fair question to ask.  Do you buy less when there is a commission involved, is transparency more important these days? FREE 15-minute phone call with a Certified Financial Planner visit maranantha.com   Learn more online go to maranantha.com  

Michael Anderson talks with Bob Poole about oil, energy and US consumption, learn more about issues in energy for CA and US. Bob Poole is the Director of Western States Petroleum Association. What is the history of oil production in California and Ventura County? How big is the demand and consumption of oil in California on a daily basis? Why is there a supply defecit if in California? What is the consequence of importing our oil from outside of California? Is one answer to consume less and is another answer to build more alternative energy sources? Learn more about Bob Poole at WSPA.org and learn more about energy consumption at  www.PoweringCalifornia.com

Money class, the elective you didn’t take in high school.  Money tips with a CFP®  We talk about corrections in the market. Taking a look at the 5% or more downturns in the S&P 500 over the last 10 years.  We talk about bear markets that did not lead to recessions. How do you handle the down times in the markets with your retirement accounts? Stories from the teacher’s lounge – credit cards with travel hacking and a companion pass offer from southwest. Homework challenge – Write down what you want your investment portfolio to look like in 2028. Learn more online connect with us at maranantha.com 

Tom Wittig, General Manager – RATP Dev, Road Runner Shuttle Community partnership with FOOD SHARE to collect & deliver food, event in late January. What are the lines of business for RATP Dev and road runner in Ventura County? What does the future hold for Ventura County and transportation? How do you use technology as a transportation company? What public private partnerships have you been a part of? Learn more online, visit: rrshuttle.com  Non-Profit Spotlight Ronald McDonald house has partnered with Ventura Community Memorial Hospital, we are looking to raise $125,000 for this new room to open in 2020. The walk takes place on April 7, 2019. Learn more online at http://www.walkforkids.org

This new podcast is the class you never took in high school. Personal finance tips from a CFP. Enjoy the show.