Financial Freedom with Tom Hegna

Rick Durkee, RICP, LUTCF | FOUNDER & RETIREMENT INCOME CERTIFIED PROFESSIONALRick Durkee is an author, radio host, and community leader. His professional purpose is to help others realize their dream of living a very comfortable lifestyle, especially in retirement. Many folks near Charleston, SC, and the surrounding coastal region know Rick from his time on News Radio 94.3, where he hosted the broadcasts “Money Matters,” “Navigating Retirement,” and “Christian Business Values.” He holds the rare designation of Retirement Income Certified Professional (see: RICP) from the American College of Financial Services and was recently appointed a board member of his regional Better Business Bureau. Rick enjoys a coastal lifestyle walking the ocean beaches with Violet, his wife of 19 years. He also loves rehabbing their mid-century home, which overlooks the peaceful Ashley River. When it comes to his employees, clients, and friends, he considers all of them part of his extended family. He loves when he can add a new client to join the CFPG Family!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Brigette EngstromFounder & CEOBrigette Engstrom has been a licensed insurance professional since 2000 and is the Founder and CEO of Blue Monarch Financial Services. With a focus on retirement income strategy, asset preservation, and long-term care strategies, Brigette educates clients on the complexities of retirement, helping to optimize financial well-being and dignity in their later years.Brigette founded Blue Monarch Financial Services with the objective of helping her clients articulate and achieve their financial goals in and through retirement.Brigette is also dedicated to mentoring, offering guidance to young professionals and fellow insurance professionals. She volunteers with Junior Achievement, helping to inspire high school students to pursue entrepreneurship.Living on a working ranch in a small Texas town with her husband, Thomas, Brigette is an avid reader and aspiring gardener. As a proud military wife, she values service and dedication in all aspects of life.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Parady Financial Group is led by Greg Parady, considered by industry peers as the #1 income and annuity professional in the country. Greg is a renowned retirement strategist, author, and speaker, is admired for his ability to explain complex financial issues in a way that is easy to understand. Greg has dedicated his career to helping retirees improve their financial awareness and financial literacy through education and community involvement.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Bruce, the founder and principal of Hosler Wealth Management, with offices in Prescott and Scottsdale, brings over 28 years of experience to the table. He serves pre-retirees, retirees and widows, and business owners with a strong commitment to using advanced tax strategies to help them move toward a tax-free retirement while helping to preserve their wealth. Bruce is credentialed as an Enrolled Agent, CERTIFIED FINANCIAL PLANNER® professional, and Certified Private Wealth Advisor (CPWA®) and as a Certified Exit Planning Advisor (CEPA®), he is uniquely qualified to help business owners prepare for retirement, ensuring financial security and peace of mind as they transition to this new chapter in life.He is the author of the book MOVING TO TAX-FREE™ Strategies for Creating Tax-Free Retirement Income and Tax-Free Lifetime Legacy Income for Your Children. Bruce holds a Bachelor of Science degree from the University of Phoenix and has a rich background in media. He has shared his insights as a speaker at events hosted by the Arizona Society of CPAs and the Prescott Area Commercial Realtors Group. Additionally, Bruce hosts the Protecting and Preserving Wealth Podcast and the Moving To Tax-Free TV Show™, where he shares valuable knowledge on tax and financial strategies. He was featured on Fox Business Network’s Spotlight TV with Tom Hegna, discussing his new book, MOVING TO TAX-FREE™.For eight consecutive years, Forbes has recognized Bruce as one of the Best-In-State Wealth Advisors in Arizona. In 2025 Hosler Wealth Management was awarded the Forbes’ Best-In-State Wealth Management Teams in Arizona.Outside of his professional accomplishments, Bruce leads a fulfilling life. He resides in Scottsdale and Prescott, Arizona, with his wife, Laura, and cherishes spending time with family. In his leisure time, Bruce is an avid golfer who appreciates the challenges, beauty, and tranquility that golf courses offer.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Peter J. D’Arruda, MRFC®, RICP®, is former two-time President of the IARFC (International Association of Registered Financial Consultants), an Investment Advisor, fiduciary, and has been in the financial arena for over 32 years. He founded Capital Financial to help his clients “cross the street of life.“ He and his team strive to help their clients take the worry out of living in retirement. Known as “Coach Pete” to most of his clients and to the listeners of his radio show, he has developed a proprietary process that lets business owners become work optional.He has written or co-written 18 books to date. Two of his books have reached the best-sellers list on Amazon. The most noteworthy book, Successonomics, is one that Coach Pete co-authored with Steve Forbes. But, by far, his favorite book just happens to be his most recent, “The Big Book on Retirement”. Coach Pete also owns and operates a multi-million dollar production and broadcasting company, Broadcasting Experts, LLC and his staff produces over 80 weekly radio shows and long form video & audio podcasts heard and seen nationwide. His national show THE FINANCIAL SAFARI can be heard at FinancialSafari.com.Pete has won 3 Emmys, 5 Quillys®,and 10 Tellys, along with multiple EXPYS®. He is proud of each award.He is a graduate of The University of North Carolina.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Deborah West, President & FounderAs a proud daughter of a U.S. Army Veteran, Deborah West has taken pride in serving the financial needs of clients since 2000. She founded AGAPE Retirement Group, LLC to provide strategies that offer contractually guaranteed lifetime income, stability against market volatility with ZERO Risk to principal, paired with market participation and tax deferred gains. Our approach also ensures guaranteed Llfetime income that includes legacy provisions for loved ones. At AGAPE Retirement Group, LLC, we create specific strategies that help our clients eliminate retirement risks, including inflation, deflation, stock market volatility, excess taxes, death of spouse, sequence of events, excess withdrawals, long term care, and longevity risks. Our strategies prevent our clients from outliving their assets by proactively addressing all of these risks.Our mission is clear—serving families by creating retirement strategies tailored to their needs, which include contractually guaranteed lifetime income streams. Top tier retirement portfolios are not OPTIMAL without them to cover at least the basic expenses. By converting a portion of 401k, 403b, TSP, Mutual Funds, Savings and other assets, AGAPE Retirement Group, LLC offers individualized solutions specific to the needs of each client we serve in over 30 States. We'd love to help you obtain the well deserved "Retirement Lifestyle" you've worked so hard to achieve and envisioned for yourself and your family. No need to worry, RETIRE HAPPY with peace of mind. At AGAPE Retirement Group, LLC, our strategies have you covered.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

With a calm demeanor and purposeful approach, Michael applies his more than 20 years of industry experience in guiding clients toward meaningful goals. His disciplined investment philosophy and unshakeable commitment to his clients define his independent practice. He specializes in discretionary portfolio management for families and individuals, cross-border wealth management as well as institutional cash management.“My team offers clients excellent service – responsive and tailored to their needs,” he says. “I care deeply about my clients, taking the time to explain complex topics and stay in sync with their lives through regular communication.”Michael’s passion for finance and studying the markets began at 16, when he bought his first stock. He began his career as a commodities trader and has held various roles, including senior positions at global investment banks, accounting firms and private sector companies.His distinct background informs his comprehensive approach to managing wealth, which includes financial and retirement planning, estate planning, insurance, investment management and tax strategies. As a portfolio manager, Michael takes an active approach to portfolio management and focuses on risk-adjusted returns. He also works closely with CFOs and treasurers of public companies, private corporations, governments and charitable organizations in helping them maximize their rates on cash deposits.In continually seeking new insight, Michael has accumulated several designations, degrees and licenses. He holds a Bachelor of Commerce (B.COM) degree from McMaster University; a Master of Business Administration (MBA) degree from Queen’s University; a Chartered Professional Accountant (CPA) designation; a Certified Management Accountant (CMA) designation; and a Chartered Investment Manager (CIM®) designation. He holds Series 7 and 66 licenses, enabling his team to serve U.S. residents as well as Canadians with IRAs with cross-border services.Giving back is a priority for Michael, and his charitable work has gained him recognition. In 2020, he won the Wealth Professional Award for Excellence in Philanthropy and Community Service, in part for his role as chief executive officer of the Cleft Prevention International Foundation, an organization aimed at educating women and families around the world to decrease the prevalence of cleft lip and palate anomalies. Having been born with a cleft lip and palate, this cause is near to his heart. He also serves on the family services committee at the American Cleft Palate-Craniofacial Association to help provide resources and support to children and families affected by cleft and craniofacial conditions. A frequent traveler to India, he also supports several orphanages in the country and is passionate about helping children and people with disabilities.Michael lives in Ancaster, Ontario, where he enjoys running on its many beautiful trails. He is also a practitioner of mindfulness meditation.Raymond James (USA) Ltd. All rights reserved. Raymond James (USA) Ltd. (RJLU) advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. This website may provide links to other Internet sites for the convenience of users. RJLU is not responsible for the availability or content of these external sites, nor does RJLU endorse, warrant or guarantee the products, services or information described or offered at these other Internet sites. Users cannot assume that the external sites will abide by the same Privacy Policy that RJLU adheres to. Investing in foreign securities involves risks, such as currency fluctuation, political risk, economic changes, and market risks. Raymond James (USA) Ltd., member FINRA / SIPC.The Chartered Investment Manager® (CIM®) Designation builds the skills and experience we need to serve a more sophisticated financial client or institution. Financial professionals who hold the CIM® designation are eligible for registration as a Portfolio Manager in Canada. They have expertise in providing money management services to high-net-worth and institutional clients, and they understand the application of portfolio management in the context of Canadian markets and regulatory requirements.What do these designations mean for you? They mean that when you work with an investment consultant who has taken the time to complete these designations, you’re working with someone who is well-versed in modern concepts of investment advice, is educated enough to understand how your individual investments are being managed and how they work together – no matter how complex it may be. These skills, along with a commitment to advanced education, enable them to provide you with the kind of service that you not only want, but deserve.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mark A. Provenzano is the Founder and Principal of Hedged Private Wealth LLC., a Wealth Management and Financial Planning Firm. Mark is a licensed Investment Advisor Representative with more than 21 years of dedicated service in the financial industry.Mark obtained his Bachelor of Science Degree in Accounting from the University of Holy Cross. He effectively specializes in wealth preservation, accumulation, and most importantly, distribution of assets for his clients. His mission is to provide an advanced level of excellence in Wealth Management, Tax Planning, and alternative portfolio modeling by delivering a full range of sound financial strategies.Mark has been the featured speaker at many seminars, educating attendees on various topics including Financial Planning and Wealth Management, as well as Medicare Programs. Additionally, he has personally developed programs to help educate and meet the needs of individuals who are underserved and underprivileged.Hedged Private Wealth believes that wealth accumulation, while simultaneously preserving the client’s assets, is paramount. Central to this philosophy is the vigilant recognition that losses hurt you more than gains help you. As Founder and Principal, Mark strives to consistently align the firm’s ideologies, thoughts, and recommendations with its clients’ wishes and best interests. He ensures that all clients are promised honesty, integrity, ethical considerations in recommendations, and most importantly, service to them.https://hedgedprivatewealth.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Kimberly Olson is a self-made multi-millionaire and the creator of Goal Digger Girl Co., where she serves female entrepreneurs by teaching them simple systems and online strategies in sales and marketing.Most recently, she received the honor of being chosen as the ‘Top CEO of 2022’ by the International Association of Top Professionals. Kimberly has been named as one of the ‘Top 20 Life Coaches to Look Out for in 2022,’ ‘Top 10 Most Ambitious Women in Business to Follow’ and is part of Forbes Coaches Council.She is a TEDx speaker and her recent speech was listed as one of the ‘10 Top TEDx Talks that You Don’t Want to Miss.Kimberly is also the founder of the non-profit, Elephant Sisters and has two PhDs in Natural Health and Holistic Nutrition. She is the author of six books including several #1 international best-sellers, has a top 25 rated podcast in marketing that recently hit 500,000 downloads, and reached the top half percent globally when she was in network marketing. Most recently she has shared the stage with Rachel Hollis, Erin King, Chalene Johnson and Jessica Higdon.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

John Grace, a Registered Principal with LPL Financial, is a professional with over 30 years of experience. John, an Eagle Scout, attended Carleton College in Minnesota, and is a former President and Trustee of the Ventura County Council of the Boy Scouts of America; a former Board Member and Finance Committee Member of the El Camino College Foundation in Torrance; a former Trustee of the California Lutheran Educational Foundation at California Lutheran University in Thousand Oaks; a former Charter Member of the American Heart Association Ventura County Chapter; a past Executive Board Member of the Westlake Village Chamber of Commerce; and Past President of the Rotary Club of Westlake Village Sunrise. Due to his Knowledge and experience, John is a frequent lecturer on financial matters and has been retained to conduct workshops for colleagues, corporations, and various colleges, universities, and adult education programs, in addition to participating as a regular Keynote Speaker for Junior Achievement events around Southern California.Since 1979, Investor’s Advantage Corporation has been passionate about working with individuals who are looking to pursue financial independence. By proactively planning our clients’ futures, we develop goals and work towards personal benchmarks. At Investor’s Advantage Corporation we pride ourselves on our ability to build financial independence and confidence. We do this by creating transparent and efficient portfolios that strive to exceed client objectives.https://www.westlakefinancialadvisors.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Vishaw Sondhi is the founder and President of Vishaw Sondhi, CPA P.C., a firm that provides comprehensive wealth management, tax planning, and accounting services for business owners and individuals. He is a Certified Public Accountant (CPA) a Retired Income Certified Professional (RICP®), and a Personal Financial Specialist (PFS) with over 35 years of experience in the financial industry.His mission is to help clients plan for their financial future by implementing the right wealth management approach, which combines financial strategies to fit their goals and personality. Vishaw takes the time to get to know you and build a comprehensive financial plan that is uniquely yours because he knows that no two families are alike.The following are some of the services that he provides:Individual & Corporate Tax PlanningWealth ManagementLegacy PlanningRetirement Income Planning (401k, IRA, Pension Plans)College Planning (529 plans)InvestmentsLong-Term Care PlanningDisability Income PlanningSmall Business ServicesContact Information:Phone: 732-542-1777Fax: 732-542-3444Email: [email protected] Sondhi is a Registered Representative of The Leaders Group Inc. Member FINRA/SIPC. Tax advice and accounting services are offered independently of The Leaders Group Inc. Vishaw is licensed to sell securities in New Jersey and New York. He is also insurance-licensed in New Jersey and New York and many other states.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Lane G. Martinsen is a Certified Financial Fiduciary®, an Investment Advisor Representative, and a Retirement Income Certified Professional (RICP®).Lane is the Principal of Martinsen Wealth Management, LLC located in Tempe, Arizona. Lane is an Ed Slott Elite IRA Advisor and a member of the National Ethics Association (NEA). Lane has a diverse background within the financial services industry that first started in 1988. In addition to serving his own clients, Lane has trained and mentored hundreds of other financial advisors from all parts of the country.Lane id the author of 5W Retirement Blueprint: Maximize your Retirement Income through Holistic Planning and of the Amazon bestselling book The Holistic Retirement Planning Revolution. He’s also the host of the popular educational YouTube channel The Financial Fast Lane.Lane and his wife Tara met in college and recently celebrated their 31st anniversary. They have 5 children and 6 grandchildren. In 2010 (before any grandchildren were born) they fulfilled a dream to live with their kids in a foreign country. Lane and his family lived near the beach at Playa Conchal in beautiful Costa Rica for one year 2010-2011. During this time they formed many treasured memories and were able to provide humanitarian services to the local Tico people that they grew to love deeply.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Blake Harris is the founding principal at Blake Harris Law, where he assists clients throughout the world with Offshore Asset Protection. Having traveled to over 40 countries, Blake has built an extensive global network by meeting with trust companies, protectors, and bankers worldwide.An accomplished author and international speaker, Blake has educated countless professionals through his continuing legal education lectures on asset protection and offshore planning. He has been quoted in numerous national publications, including Bloomberg, Forbes, The Epoch Times, ABC, NBC, CBS, Fox News, and MarketWatch. Beyond these accolades, Blake boasts a significant social media presence with hundreds of thousands of followers, further solidifying his influence in the field.With a seasoned background in wealth management, Blake Harris previously worked with one of America’s premier wealth management firms, advising high and ultra-high-net-worth clients on strategies to safeguard their assets. His passion for helping families cultivate and preserve their legacy inspired him to establish Blake Harris Law, a firm deeply committed to providing tailored solutions and peace of mind for its clients.Blake’s commitment to the field doesn’t stop at his firm. He has consistently been recognized as a “Rising Star” by Super Lawyers Magazine for the past 5 years and is an AV®️ Preeminent™️ Attorney.A proud alumnus of the University of Florida, Blake obtained a degree in finance in 2007 and went on to earn his Juris Doctorate from the University of Florida Levin College of Law in 2010, a top-tier law school.Blake is an active member of the American Bar Association, International Bar Association, the Florida Bar since 2010 (Florida Bar number: 86486), and the Colorado Bar since 2013 (Colorado Bar number: 45942). Blake resides in Miami Beach, in his limited free time, he enjoys traveling internationally, swimming in the ocean, and Muay Thai training.https://blakeharrislaw.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tom Martin completed his undergraduate work at the University of Arizona, receiving a Bachelor of Fine Arts. He began his financial career in 1998 as a life insurance broker, and shortly thereafter added property and casualty lines followed by general securities.Tom holds several professional designations, including CERTIFIED FINANCIAL PLANNER ™ (CFP ®), Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU). He is active in his community and is a member of the Estate Planning Council of Greater St. Louis and the Society of Financial Service Professionals.Tom firmly believes in a collaborative approach to financial planning. To get the best possible results, all oars need to be rowing in the same direction.To stay on top of his field and develop his professional skills, Tom regularly attends industry training and certification programs and is often a featured speaker at these events. He has served as an expert witness in court cases regarding financial matters.In his spare time, Tom enjoys woodworking, playing squash and fine cigars.8860 Ladue RdSuite 230St. Louis, MO 63124Phone: 314-787-7441E-mail: [email protected] Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Shawna Moore, RICP®, is a seasoned financial advisor with more than 25 years of experience guiding individuals and families through the complexities of retirement planning. She is the founder of Moore Wealth and co-host of the Moore Wealth Retirement Talk podcast, where she and her husband, Dave, bring a holistic perspective to retirement income, estate, tax, and lifestyle planning.As a Retirement Income Certified Professional® (RICP®), Shawna specializes in creating customized strategies that help clients maximize income, protect assets, and confidently navigate the transition into and through retirement. She is also the author of Retire With Moore: The Holistic Approach for a Relaxed Retirement, which distills her decades of expertise into practical, easy-to-follow guidance.Shawna’s mission is to empower retirees and pre-retirees with clarity and confidence by simplifying complex financial decisions and aligning strategies with each client’s goals and values. Her holistic approach has earned her recognition as a trusted voice in retirement planning and a sought-after guest on financial media platforms.Shawna's Podcast "Moore Wealth Retirement Talk" is available on Spotify, Apple Podcast, or Amazon Music. https://podcasts.apple.com/za/podcast/moore-wealth-retire...For more information about Shawna Moore and Moore Wealth Management visit https://www.moorewealthmanagement.net/.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“My journey began in my grandfather's workshop, igniting a passion for invention and financial empowerment. Today, I dedicate my life to helping others achieve financial independence.”Navi Dowdy is a:Certified Tax Specialist with over four decades of experienceDeveloper of the Smiling Retiree Process, aiding millions in achieving tax-free retirement incomeSpeaker at prestigious venues including Harvard Business Expert Forum and NASDAQFeatured in the documentary The Retirement DeceptionAuthor of Tax Secrets for the Smiling RetireeNavi helps successful Baby Boomers pay less taxes and maximize their income.When I was young, my parents taught me a great work ethic and I delivered papers, delivered fruit, mowed lawns, bailed hay, pumped gas, etc. After college, I found myself fascinated by investment books. I saw the possibility of real estate investment as a way to become independent. I finally worked up the courage to jump careers. I started small brokering duplexes and worked up to building 32 units. I got my first investment designation the CCIM, Certified Commercial Investment Member, and learned much more investment theory. I became the go to guy for people who wanted to put money into real estate investments. I taught continuing education for realtors and learned all about the fabulous tax savings that real estate afforded. By the early 1980's I had the idea that rather than paying 16% at the bank to develop a building, why not just buy the bonds and earn the 16% myself. Much simpler. So I started buying bonds. As a result I started working with many retired people and learning the unique needs of people who no longer got a paycheck. Financial planning was just starting, and I became a CFP, Certified Financial Planner. I taught classes and mentored other aspiring CFP’s as well as continuing education for bank managers, CPA’s and attorneys. I also became an Enrolled Agent so that I was able to represent tax payors before the IRS. I felt the need to learn how to analyze the balance sheets and navigate the treacherous grounds of accrual accounting, so I became a CFA, Chartered Financial Analyst. Although I’ve earned many credentials and designations, now all that I maintain is the CTS, the Certified Tax Specialist. I now bring together the world class team of specialists to solve client’s issues, most frequently how to save significant amounts of income, capital gains and estate taxes. And probably biggest of all, the massive built-in tax on retirement accounts. If I could summarize all of this into one lesson, it is that when people retire, they need to do is make the change from accumulation to distribution and prioritize income and preservation before growth. In my rare spare time, I like hanging around with my family and rescue dog Molly.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Western & Southern Financial Group has over 135 years of helping to meet the financial stability needs of our customers — individuals, families, businesses, foundations and nonprofits — with a wide range of insurance, investment and retirement solutions through an ever-growing distribution system.Our family of companies continues to grow and diversify, fortifying our financial foundation and embracing new opportunities to help meet your needs through superior service and an ever expanding range of insurance, investment and retirement solutions. No matter which of our member companies serves your needs, we are committed to helping you protect what matters for a secure financial future.• The Western and Southern Life Insurance Company For more information on the Western & Southern family of companies, visit www.westernsouthern.com. For disclosures/terms of service, visit www.westernsouthern.com/social-media-disclosures.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

At Poole Financial Services, Inc., our vision is simple: to help people feel confident and supported as they plan for their financial future. As a family-run firm, we believe in building strong, lasting relationships with each client — taking the time to understand your goals, your values, and the life you want to create.With over three decades of experience, Larry and Judy Poole — along with their daughter, Rachel Bradsher — bring a personalized, multigenerational approach to financial planning. We’re not just here to offer investment advice; we’re here to be a trusted partner in your journey.We are especially proud to serve educators and staff across North Carolina’s public schools. Through our affiliation with Robinson & Associates, a network of independent financial professionals focused on retirement planning for school employees, we offer specialized guidance on 403(b), 457(b), and other retirement plans designed for those who serve in education through Lincoln Investment.Our services are offered through Lincoln Investment, a nationally recognized broker-dealer and registered investment adviser, member FINRA/SIPC. This relationship allows us to provide our clients with the resources of a larger platform while maintaining the personal care of a local, family-based practice.Whether you’re planning for retirement, navigating life transitions, or simply looking for someone to walk alongside you financially, we’re here — with a clear plan and a team you can count on. Our mission is to empower you to build a lasting legacy, one that reflects your values and brings comfort to you and your loved ones for generations to come.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Michael helps people achieve a higher and more predictable retirement income stream using his proprietary economic based process. As a Retirement Income Certified Professional® from the American College of Financial Services®, Michael effectively manages the transition from asset accumulation during a client’s working years to asset distribution in retirement. RICP® enables Michael to demonstrate tremendous value by delivering smart strategies for creating secure, sustainable income for a client’s retirement.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tom Wall has spent the entirety of his 20-year career positioning whole life insurance and competing against his alternative. Starting in college as an award-winning advisor with Northwestern Mutual before moving his practice to MassMutual, he subsequently grew his career in prominent home office roles in sales and marketing leadership. In those roles, he developed into a renowned storyteller and product expert at perennial company conferences and firm meetings nation-wide. Tom’s Ph.D. is in retirement income planning, with original research on Whole Life as a Fixed Income Alternative under the advisement of industry thought leaders Wade Pfau, Michael Finke, and Stephen Parrish. His focus on academic integrity and decades of sales experience combine to make him a uniquely credible and inspirational voice in the life insurance space. Tom now coaches and consults with financial advisors, hosts the Whole Life Masterminds study group, and has published his first book titled “Permission to Spend: Maximize Your Retirement with the Best Kept Secret in Personal Finance.” Tom lives in the greater Boston area with his two sons age 12 & 9, and is an avid golfer and traveler.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

American Legacy Solutions is a client-first brokerage firm dedicated to helping individuals and families achieve their financial goals through education, personalized service, and comprehensive financial planning. With a passion for technology and a commitment to excellence, they empower businesses to thrive in the digital landscape.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Robert Rolih is the international bestselling author of The Million Dollar Decision: Get Out of the Rigged Game of Investing and Add a Million to Your Net Worth, a book that has received glowing reviews from readers around the world. His mission is to reveal what the financial industry doesn’t want you to know about investing, helping people greatly improve their long-term investing gains and take control of their financial future.Growing up in a remote village in Slovenia, a small country in the heart of Europe, Robert overcame humble beginnings to become a successful entrepreneur, working with renowned figures like Chet Holmes and Brian Tracy. However, after trusting financial advisers, brokers, and so-called "gurus," he lost most of his wealth. This painful experience led him to spend seven years investigating the hidden practices of the financial industry, uncovering eye-opening truths that most people never hear.Today, Robert is a highly successful entrepreneur with a thriving investment portfolio that serves him—not the financial industry. As a sought-after speaker, he shares his expertise with audiences worldwide, helping people avoid costly mistakes and achieve financial freedom. His ability to break down complex financial concepts into simple, engaging lessons and make investing interesting and fun has become his trademark.Robert was featured in more than 50 newspapers, websites and TV stations including CNBC, Yahoo Finance, Newsmax TV, Business Insider and has had the honor of sharing the stage with renowned figures such as Robert Kiyosaki, Gary Vaynerchuk, Brian Tracy, Jack Canfield, Daniel Priestley, and many others. His international bestseller The Million Dollar Decision has been translated into several languages, including Chinese Mandarin, and published in special editions in countries such as India, Taiwan, Bulgaria, and Thailand.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ryan ThackerFounder and Investment Advisor RepresentativeRyan’s primary focus is retirement income planning, and he is passionate about helping clients achieve their financial goals during retirement using the B.O.S.S. Retirement Blueprint™. Throughout his career, Ryan has focused on mortgage, banking, real estate development, personal finance and wealth management strategies.Ryan graduated with a bachelor’s degree in business management. He has passed the Series 65 securities exam and is licensed as an Investment Advisor Representative. He also holds his life and annuity insurance licenses.He is co-host of “Retirement Solutions TV” on ABC 4 and Retirement Solutions Radio on KSL 1160 AM and KNRS 570 AM. Ryan also appears frequently as one of the local experts on ABC’s Good 4 Utah.Ryan is co-author of three books and a contributor to FoxBusiness.com. He has appeared on Fox Business News, where he was recognized for his expertise in retirement income and wealth management. He has also been seen on CNN, MSNBC and NBC.Tyson ThackerFounder, Investment Advisor RepresentativeTyson is focused on helping clients achieve their financial goals during retirement using the B.O.S.S. Retirement Blueprint™.He graduated with a bachelor’s degree in business management. Throughout his career, he has focused on mortgage, banking, real estate development, personal finance and wealth management strategies.Tyson has passed the Series 65 securities exam and is licensed as an Investment Advisor Representative. He also holds his life and annuity insurance licenses.He is co-host of “Retirement Solutions TV” on ABC 4 and Retirement Solutions Radio on KSL 1160 AM and KNRS 570 AM. Tyson also appears frequently as one of the local experts on ABC’s Good 4 Utah.Tyson is co-author of three books and a contributor to FoxBusiness.com. He has appeared on Fox Business News, where he was recognized for his expertise in retirement income and wealth management. He has also been seen on CNN, MSNBC and NBC.Visit them online at https://bossretirement.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

David McKnight graduated from Brigham Young University with Honors in 1997. He has been featured in Forbes, USA Today, The New York Times, Fox Business, Bloomberg Radio, MarketWatch, CBS Radio, CNBC, Yahoo Finance, Nasdaq.com, Reuters, Investor’s Business Daily, Kiplinger’s and numerous other national publications. David’s bestselling book The Power of Zero has sold over 400,000 copies and the updated and revised version was published by Penguin Random House in 2018. This book was recently made into a full-length documentary film entitled The Power of Zero: The Tax Train Is Coming. When his follow-up book Tax-Free Income for Life launched in November of 2020, it finished the week as the #3 most-sold business book in the world. When his most recent book The Guru Gap launched in December of 2024, it finished the week at #8 on the USA Today Bestseller list and was the top-selling business book in the world. He and his wife Felice have seven children.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Michael Battalini is a fully licensed Life, Annuity and Health Insurance Agent. Michael has a Bachelor of Science in Business Administration from Robert Morris University. Michael is also a Registered Financial Consultant RFC®Retirement income planning for retirees and pre-retirees throughout the country is Michael’s focus.His expertise in shielding client investments from stock market loss is a strategy that has become especially important in today’s volatile market and ever-changing economy.Sound advice about a lifetime of income security with consideration paid to tax implications is what you can expect in working with Michael and the Pittsburgh Wealth Management Group.www.pwmg1.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Todd VallesTodd Valles has worked for several Fortune 500 companies in the financial services sector. He has been a Keynote Speaker/Presenter at hundreds of financial advisor conferences, events and meetings and has hosted numerous IRMAA webinars. He is approved to provide CE credits for state insurance, CPE, and CFP. His educational background is in Finance and Economics with a Juris Doctor concentrating in Tax and ERISA. Todd is also an active member of the Pennsylvania Bar Association. For more informationVisit: https://www.irmaacertifiedplanner.com/the-instructor/To Book a speaking engagement, webinar or CE educational seminar, please contact Todd at [email protected] Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Meet Kari Ellis, Founder & CEO of WayPoint Consulting Partners.With over 15 years of experience in the Insurance and Financial Services field, Kari is an industry expert. As a seasoned Career Consultant, she recruits experienced financial advisors and insurance professionals across the country, covering traditional brokerage, boutique, and regional firms and the possibilities within the independent broker-dealer, and RIA space. Kari has grown WayPoint Consulting Partners through a demonstrated history of matching accomplished candidates together with qualified career opportunities. She and her team recognize the challenges today's career seekers experience and stands ready to provide unwavering support at every turn. Kari and her team work closely with advisors to create a personal road map of options clients might never have considered as she and her team integrate them into a vast industry network. Kari has cultivated partnerships with exceptional organizations nationwide, eager to match talented individuals. She's here to facilitate and lead the transition for those seeking change. WayPoint Consulting Partners values a consultative approach, blending exceptional service and seasoned expertise in the career consulting space - actions that positively make a difference. "I am truly passionate about helping qualified financial advisors navigate the complex landscape and learn all about the various ways they can collaborate with myself (and my team) to ensure success. I enjoy being a conduit between amazing opportunities and talented professionals".See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr. Laurett Ellsworth Arenz, BFA, co-hosts HERO’S Talk Radio with her husband Dave. The program airs in 45 markets nationwide. As a certified Behavioral Financial Advisor, Laurett combines her BA in Psychology with sound retirement planning principles. She loves knowing that she can help her clients plan their future and make a difference in their lives. Laurett also trains financial advisors all over the country on how to explain and offer the strategies discussed on HERO’S Talk Radio. These Strategic Wealth Coaches form the Freedom Financial Network and teach listeners about the strategies discussed in Laurett’s book, The RAFT Strategy: Your Retirement Approach Free of Tax & Other Safe Investing Secrets.Nicknamed “the Freedom Financial Angel,” Laurett has truly been an ‘angel’ to over 2000 clients who she has assisted with their retirement planning throughout the United States since 2005.  Laurett is hopeful the important message of securing assets through the programs she endorses will inspire Americans to take charge of their lives and prepare for the future. Laurett is the proud mother of seven and grandma of sixteen.Husband and wife team David and Laurett Arenz have more than 30 years of experience in the financial services industry. They founded HERO’s Strategies Inc. with the intention of helping people retire with safer, smarter strategies than what conventional wisdom teaches us. They wrote the book The RAFT Strategy, which explains a method for producing a stream of tax-free income throughout retirement and protecting your savings from market volatility. They also host the financial radio show HERO’S Talk Audio. If you would like to improve your retirement plan and learn about little-known savings strategies, they strongly encourage you to contact them today.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Daniel A. Jack has cultivated a distinguished career in financial services spanning decades. His extensive professional background encompasses both private and public sector roles, demonstrating a comprehensive understanding of the financial landscape.As the co-author of the acclaimed book "Swipe Right: Choosing Your Financial Match," Daniel's interview delves into the significant role our emotions play in financial decision-making, as highlighted in "Swipe Right." The book emphasizes how aligning with the right financial plan and partnering with a suitable financial coach can greatly improve one's chances of achieving financial success.Beyond his writing, Daniel is a prominent keynote speaker in the financial services industry known for impactful, results-driven seminars. In particular, he enjoys working with financial advisors, by helping them to better guide their clients toward reaching their financial goals.Learn how to assess your net worth, compare it wisely, and the secret ingredient of wealth building and various money strategies in this informative interview.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Joe Jordan, inspirational speaker and behavioral finance expert, is the author of the award-winning book "Living a Life of Significance" (Acanthus Publishing, 2013). The book has sold over 150,000 copies, is translated in five languages and was featured in Nick Murray's "The Advisor's Essential Library."​Joe is the recipient of the 2023 John Newton Russell Memorial Award. The award is the highest honor accorded by the insurance industry for outstanding services to the institution of life insurance.Formerly, Joe ran insurance sales at Paine Webber and more recently was a senior vice president at MetLife. He was responsible for retail product development and started their fee-based financial planning program and behavioral finance department.Joe is also a founder of the Insured Retirement Institute and has been featured on the cover of Life Insurance Selling magazine.For three consecutive years, he has been honored by Irish America magazine as one of the "Top 50 Irish Americans on Wall Street." He was inducted into the Fordham Football Hall of Fame and has played rugby for the New York Athletic Club for 30 years. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Financial Clarity by Design, formally McNeely Financial Services, offers comprehensive strategies through a spectrum of financial services. From growing your wealth to planning for your family’s future, Financial Clarity by Design is ready to lead you down the path to obtain those goals and dreams. Financial Clarity by Design can help you achieve your goals.Juli McNeely CFP®, CLU, LUTCF, joined the firm in 1996 after working in the banking industry for five years. Juli and her team changed the business name to Financial Clarity by Design in 2022. Juli specializes in the areas of retirement planning, education funding, business continuity planning and estate planning. Her clientele consists of business owners, individuals, married couples and successful professionals. Juli has a Bachelor of Science degree in marketing from Northwestern College. She is professionally affiliated with National Association of Insurance and Financial Advisors (NAIFA), where she serves as the National Past President.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Guests: Karen Stawicki & Samantha Irish | Co-Founders, Compass Financial (Charleston, SC) - A mother-daughter team on a mission to help high-net-worth clients minimize taxes and build a retirement income they can’t outlive.Episode Overview:Markets wobble. Taxes rise. Most retirees feel trapped and afraid they’ll outlive their savings or pay more to the IRS than they must. In this episode, Karen Stawicki and Samantha Irish unveil the strategies behind their bestselling book, The Power of Three, and reveal how ordinary families can reclaim control over both taxes and income. They call themselves the “Retirement Power Duo,” and in this dynamic conversation you’ll learn:How to Fire the IRS as Your Silent Business Partner• Why most retirees unknowingly overpay taxes year after year.• The simple repositioning tactics that shift dollars into tax-friendly vehicles—so the IRS stops acting as a silent partner in your nest egg.• Real-life case studies: how one couple paid $500K less to the IRS over a lifetime.Whether you’re a seasoned advisor or a retiree terrified of stock-market swings and hidden tax traps, Karen and Sam deliver truth bombs, actionable insights, and the road map you need to build a “tax-sheltered, guaranteed-income ecosystem.” Tune in to discover how to break free from Wall Street’s fear tactics, fire the IRS from your retirement plan, and reboot your Roth strategy before markets rebound.Tune in to learn:• How to keep every dollar performing a defined role (income, growth, liquidity) so you never worry about running out of money• The “silent tax trap” hiding in traditional IRAs and 401(k)s—and how to escape it• Why a mother-daughter approach to wealth management can be the secret to your financial peace of mindDon’t miss Karen & Sam on the “Financial Freedom with Tom Hegna” podcast and discover the strategies to outsmart the IRS, guarantee steady income, and create the retirement you’ve always envisioned.Guests:Karen Stawicki grew up in a family that valued both hard work and service. She followed her natural affinity for numbers into 45-year career guiding families through market downturns and retirement transitions. In 2013, Karen launched Compass Financial with a simple promise: never abandon a plan when markets get tough. Her expertise in tax-efficient annuities and legacy planning has earned her local TV appearances, media features, and a loyal “Compass family” of clients who trust her to safeguard their financial futures.Samantha Irish didn’t major in finance—she majored in sociology and communications to learn what her mom didn’t teach her. After a decade in marketing and consulting, Sam joined Compass Financial to marry her empathy and problem-solving skills with Karen’s deep expertise. As the “future of Compass Financial,” she helps each client feel heard, supported, and empowered to rewrite their own retirement story. Together, Karen and Sam combine logic and heart, structure and soul, to create “bullet-proof” retirement plans for high-net-worth families.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Winston P. Stevenson is the President and founder of Winston and Companies Retirement and Financial Services, a full service, holistic “Boutique” style family owned and operated financial firm. Boutique is a word used to describe how we prioritize building strong, personalized relationships with clients, fostering trust, and understanding. Our smaller size and focused approach allow for greater flexibility and agility in responding to client needs. Our clients love our small intimate approach to planning compared to the impersonal experience of the large wire houses and banks.Shane Stevenson entered the financial services industry to help others feel secure in retirement. He enjoys seeing clients’ satisfaction as they uncover a sense of direction, which pushes him to help even more clients achieve their dreams.Although officially joining the family firm in 2019, Shane has been around the firm since the day he was born, helping behind the scenes and even attending some client appointments in a baby carrier. Shane graduated from the Eller College of Management at the University of Arizona, earning a degree in business administration and marketing.As a licensed advisor Shane holds Life and Accident and Health or Sickness Insurance Licenses in the state of Arizona. He has also passed the FINRA Series 65 Uniform Investment Adviser Law Examination.Shane and his wife Kelly were married in November of 2022 at the Boyce Thompson Arboretum in Superior, AZ.He is proud to be part of his family business, and he loves building relationships with clients. Away from the office, Shane and Kelly like to travel and spend time with their dogs.Their holistic approach to retirement planning focuses on 5 key areasIncome PlanningInvestment Planning for and in RetirementTax planningHealth Care PlanningLegacy PlanningWinston P. Stevenson and Shane A. Stevenson are both fully licensed fiduciary investment advisor representatives with their RIA Brookstone Capital Management utilizing the custodial services of Charles Schwab.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Retirement planner Parker Faulkner has been helping families retire happily for nearly three decades. Every sound retirement plan, Parker believes, must start with a detailed structure for future monthly income. He truly enjoys showing clients the ways in which they can achieve their financial goals, and often, retire sooner than they ever would have expected. In addition to decades of work in retirement planning, Parker Faulkner possesses a Series 65 license to work as an Investment Advisor Representative, which means he offers his clients true one–stop financial services. Whether choosing investments or preparing for life after their working careers, Missourians rely on the expertise at Faulkner’s Retire Happy Network.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Daniel Rondberg is an American serial entrepreneur, author, and keynote speaker. He is best known for his bestselling books No Stone Left Unturned, Retirement Simplified, and Pay Off Your Mortgage. Rondberg is the founder of The Rondberg Companies under which he operates Cass & Spence Publishing, and Advisors to Authors.Rondberg is regarded for his clear-cut style of writing and storytelling that focuses straight on the core concepts of financial strategies on tax reduction and retirement security. He was listed in Yahoo Finance’s top ten entrepreneurs of 2021 in February 2021.Rondberg has been featured in several media outlets including Forbes, CNBC, and New York Times, The financial Magazine, and others. He has also appeared on multiple radio shows, YouTube channels, and podcasts.Early Life and EducationRondberg was born in 1989 in Arizona. While growing up, he was influenced by his father's work as an insurance agent with Nation's First Financial. Later, this also served as a major motivation for him to join the industry.CareerRondberg started his career in 2012 when he joined JPMorgan Chase as a relationship banker and small business specialist. After working for a year at this firm, he joined the family business in 2013 and took his career to another level. He has been working for over eight years at this firm, during which Rondberg has acquired national attention as a tax reduction and retirement income specialist.In 2018, Rondberg started working at Life Hacks as an Annuity Agent Specialist. A year later, he became an instructor at The Retirement Research Foundation, where he teaches multiple courses to financial professionals and pre-retirees.In 2020, Rondberg established Cass & Spence Publishing and The Rondberg Companies. Cass & Spence Publishing focuses on providing educational and inspirational materials for children, entrepreneurs, and financial professionals. The Rondberg Companies is an umbrella firm that owns his retirement practice Generations, a company focused on wealth preservation, and a small publishing company that writes exclusively about retirement. In the same year, Rondberg also founded Advisors to Authors, a consulting firm known for its ghostwriting program for financial experts. The program covers everything from research, book writing, and Amazon launches to bestselling status.Rondberg has sold his other businesses to focus all of his time and attention on serving his clients. He works as an agent at Nation’s First Financial where he prioritizes helping client’s find their purpose in retirement. Rondberg also travels globally to host educational seminars for financial professionals and the general public covering a vast range of topics such as retirement security and tax-reduction strategies. Throughout his career, he has also worked as a blog writer contributing to the world-renowned economist Tom Hegna.BooksRondberg published his first book on June 12, 2020, entitled No Stone Left Unturned. This financial guide focused on a tax-free privilege hidden in the tax code. Following this success, he soon released Retirement Simplified and Pay Off Your Mortgage. Both of his books have become international bestsellers.Personal lifeRondberg is married to Jennifer, and they have two daughters named Cassidy and Spencer.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.