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, focusing on the risk management side. He explains his role as an intermediary and advisor to financial advisors, helping them navigate various risk management solutions for their clients. Jay also discusses the multidimensional approach of his firm, their mission to build strong relationships with producers, and the importance of having a team-based approach to better serve clients.

Enjoy the Show!

3 Key Episode Takeways:

1. Jay Stubbs, the director of Providence Partners and Providence Benefits along the Gulf Coast, has 25+ years of experience in the financial services industry specializing in the risk management side. He partners with independent advisors like Josh Null to provide superior products and services to help them achieve success for their clients.
2. Providence Partners offers a multidimensional approach, providing support for various risk management needs such as life insurance, disability income protection, long-term care, and fixed annuities. They work with a team of specialists to offer tailored solutions based on each client's unique situation.
3. Jay encourages insurance advisors to form their own entities (LLCs) and create their own agencies to build a brand that can eventually be teamed up with an advising firm or sold upon retirement. Providence Partners primarily serves the Gulf Coast area but also attracts business from outside the Southeast due to their strong value proposition.

Gulf Coast Financial Advisors, LLC ("GCFA") is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA's advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA's solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information.

GCFA and Providence Partners are not affiliated, nor are any of their respective representatives.

Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors.

The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

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 fit for financial advisors looking to go independent or find a succession plan.

Enjoy the Show!

3 Key Episode Takeaways

1. Josh Null, the owner of Gulf Coast Financial Advisors (an independent financial planning and investment management firm), discusses why consumers should consider working with his firm. He emphasizes their unique offering, fiduciary-based financial planning, and years of experience in various niches of the financial services industry.
2. The ideal client for Gulf Coast Financial Advisors is someone who has done extraordinary things, such as building a business from scratch, growing a substantial nest egg through dedicated work, or living within their means to save for retirement. These clients are looking for honest, common-sense guidance and a long-term relationship with a knowledgeable and trustworthy advisor.
3. For financial advisors considering going independent or seeking a succession plan, Gulf Coast Financial Advisors offers an opportunity to join their team. By joining Gulf Coast Financial Advisors, these advisors can benefit from the firm's established brand, marketing apparatus, and the ability to truly own their book of business without non-compete or non-solicit clauses in their contracts.

Gulf Coast Financial Advisors, LLC ("GCFA") is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA's advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA's solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information.

GCFA and Providence Partners are not affiliated, nor are any of their respective representatives.

Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors.

The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

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, especially for young professionals and those in high-paying, demanding jobs. The discussion also covers the underwriting process for disability insurance, considering factors such as physical and mental health, financial impact, and income replacement percentages. The speakers mention prominent insurance carriers and specialized risk companies in the disability insurance field. Additionally, they introduce the concept of business overhead expense insurance, which supports ongoing operating expenses and potentially replacing the owner in the event of a disability.

Enjoy the show!

3 Key Episode Takeaways:

1. Disability insurance is crucial for protecting one's income in the event of accidents or long-term disabling events that prevent someone from working in their occupation. We discuss personal experiences with injuries and emphasize how disability can impact the ability to earn an income, especially for high-earning professionals.
2. Underwriting for disability insurance involves assessing physical and mental health history, financial impact of a disability, and determining appropriate coverage amounts to replace a portion of income. Working with experienced professionals who understand the nuances of disability insurance planning is important.
3. Business overhead expense (BoE) insurance is another consideration discussed for business owners. It covers ongoing operating expenses if an owner becomes disabled. The speakers explain key aspects like coverage limitations, benefit amounts, and premium costs related to BoE policies and individual disability income insurance.

Gulf Coast Financial Advisors, LLC ("GCFA") is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA's advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA's solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information.

GCFA and Providence Partners are not affiliated, nor are any of their respective representatives.

Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors.

The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

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), IMOs (Independent Marketing Organizations), and BGAs (Brokerage General Agencies) and how these differ from captive carriers. Josh and Jay also touch on related acronyms like RIA (Registered Investment Adviser) and IAR (Investment Adviser Representative), clarifying their nuances. They talk about the benefits these organizations provide, such as offering a range of products and helping advisors shop for the best client solutions. Additionally, Jay explains his own credentials as a CLU (Chartered Life Underwriter) and emphasizes the importance of understanding industry-specific certifications and ratings.

This episode serves as a valuable guide for both curious investors and financial professionals, demystifying the acronyms that dominate the industry. For more information and resources, listeners are encouraged to visit the Providence Partners website or contact Jay directly.

Enjoy The Show!

3 Key Episode Takeaways

- Understanding Industry Acronyms: We break down what FMOs (Field Marketing Organizations), IMOs (Independent Marketing Organizations), and BGAs (Brokerage General Agencies) are, and how they differ. This knowledge is crucial for anyone in financial services to comprehend the structures that support various products and solutions.

- Benefits of Different Organizations: Jay Stubbs explains the importance of these organizations in offering multiple products and solutions for clients. Focusing on their ability to shop for the best options in the market ensures you can provide top-tier choices for your clients.

- Navigating Client Solutions: Learn how to leverage the specific offerings of these organizations to better serve your clients. From life insurance to annuities, the ability to compare and find the best fit is a game-changer in financial planning and advisory services.

Show Overview

02:23 Growth in insurance business through acronyms explained. 05:37 Insurance and annuity products marketed through FMOs. 08:58 General agency provides higher service level access.

Gulf Coast Financial Advisors, LLC ("GCFA") is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA's advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA's solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information.

GCFA and Providence Partners are not affiliated, nor are any of their respective representatives.

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Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors.

The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

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 real-world "what if" scenarios to help clients understand the importance of risk management related to life insurance, disability income protection, and long-term care. They discuss practical strategies for advisors to engage clients and propose risk management solutions, highlighting the importance of timing, regular policy reviews, and support after the sale.

Josh and Jay also talk about the services offered by Jay's firm, Providence Partners, which specializes in risk management, life insurance, disability protection, long-term care, and annuities. They stress the value of having a dedicated specialist and the ease of the technology-enabled process for advisors and clients.

Listeners are encouraged to visit Providence Partners' website for further information or contact Jay Stubbs directly to continue discussing risk management strategies.

3 Key Episode Takeaways

1. The Importance of "What If" Scenarios: - We emphasized how crucial it is to ask the right questions when discussing risk management. What happens if you can't work due to disability? What if you experience an extended healthcare event? This approach helps clients and advisors alike to think about protecting income and family dynamics in a meaningful way.

2. Choose the Right Time for Risk Management Discussions: - Timing is everything! Whether you prefer addressing this in Q4, historically the prime time for insurance planning, or any other quarter, have a systematic approach. Make sure to periodically review and update any plans to align with current needs and market standards.

3. Leverage Specialist Support: - It can be overwhelming to manage risk management on your own. That's why having a specialist like Jay Stubbs on your team can make all the difference. They bring in-depth knowledge and make the process seamless—from policy design to claims assistance.

Show Overview

02:28 Guide to introducing risk management to clients. 04:18 Adviser emphasizes importance of asking "What happens if?" 08:11 Insurance services and risk management strategies overview. 09:50 Secure data collection and approval process simplified. 16:10 GCFA podcast shares general information; not personalized advice. 17:20 J Stubbs COU, Chartered life underwriter, licensed in 6 states, and offers financial services.

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 and building a supportive team around the advisor.

Josh shares his journey from being a captive agent to an independent advisor, and eventually establishing Gulf Coast Financial Advisors. Jay emphasizes the importance of having a strategic plan, assembling a reliable team, and utilizing technology to offer top-notch services to clients. They explore the difference between captive and semi-captive advisors and the transition to fully independent status.

Listeners will gain valuable insights into the steps needed to move from being a solo advisor to a business owner with a succession plan. This episode is a must-listen for anyone looking to broaden their career in financial services.

3 Key Episode Takeaways:

1. Understanding Independent Financial Advisors: Jay and Josh clarify the concept of independence in the financial advisory sector, explaining the freedom and flexibility it offers to advisors in terms of business decisions and tools available to best serve clients.

2. Transitioning from Captive to Independent: The episode walks you through the phases of becoming an independent advisor—from a captive or semi-captive setup to owning your own practice. They emphasize the importance of having a robust support system and assembling a team of specialists to leverage different areas of expertise.

3. Building a Strong Business Foundation: For those who aspire to transform from independent advisors to business owners, Josh and Jay delve into the significance of establishing a solid organizational structure, protecting personal assets, and ensuring continuity through succession planning.

Show Overview:

02:00 Discussing independent financial advisor industry specifics and experiences. 03:07 Evaluating the benefits of being an independent financial advisor. 08:32 Specialists' importance and distinctions between captive, semi-captive. 11:51 Independence in financial services and brand building. 13:19 Transitioning from sole proprietor to LLC importance. 16:47 General info dissemination, not personalized investment advice.

Gulf Coast Financial Advisors, LLC ("GCFA") is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA's advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA's solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information.

GCFA and Providence Partners are not affiliated, nor are any of their respective representatives.

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Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors.

The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

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 Financial Advisors. The hosts announce a shift in the podcast's target audience to semi-independent, independent, captive agents, producers, and advisors. The episode delves into mutual support in their professional journey, emphasizing risk management solutions. Future episodes will explore topics like becoming an independent financial advisor, integrating risk management into financial planning, and alternative career paths for producers. Enjoy the show! 3 Key Episode Takeaways 1. New Focus on Independent Advisors: Every Dollar Counts is pivoting to a new target audience—semi-independent, independent, and captive agents, producers, and advisors. Expect insights tailored to your unique needs and challenges! 2. Personal and Professional Growth: Josh Null has formed his own investment advisory firm, and Jay Stubbs is now an agency owner. We'll share the journey and lessons learned from these significant career shifts. 3. Expanded Topics and Resources: While staying true to our roots in financial insights, we'll explore topics like integrating risk management into advisory practices, alternative career paths for producers, and strategies for competing with larger firms.

Want To Continue The Conversation?You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing [email protected], or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

Gulf Coast Financial Advisors, LLC ("GCFA") is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA's advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA's solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information.

GCFA and Providence Partners are not affiliated, nor are any of their respective representatives.

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Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors.

The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

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, transportation, fuel, gas, traveling, heck, even Chick-Fil-A, consumers are dealing with rising costs across a variety of goods and services. Some companies are combating that with what's called "shrink-flation" but even so, the inflation numbers being published are still at historic highs. The hosts discuss and explain how inflation is actually a measure of the rate of change and how core inflation is different from the overall inflation rate. They also discuss the similarities and differences to what America experienced in the late 1970s and early 1980s. Lastly, the hosts discuss "momentum investing" and how that might be a potential tool for investors to participate in those industries that are doing well in this economy.

Want To Continue The Conversation?You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing [email protected], or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

////// Disclosure:

Advisory services offered through Prime Capital Investment Advisors, LLC ("PCIA") a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management ("PCWM") and Qualified Plan Advisors ("QPA"). PCIA and Gulf Coast Financial Advisors are not affiliated.

Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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, particularly in the short run, and why that could potentially work in the favor of investors that look at fundamentals. What role does your investing strategy play into how you feel about current stock market conditions? Tune into this episode, then jump back to Ep 55 where we discuss how a investor's holdings and strategies may be affecting their emotions disproportionately, especially if they had pursued a "Fear of Missing Out" investing strategy.

Want To Continue The Conversation?You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing [email protected], or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

////// Disclosure:

Advisory services offered through Prime Capital Investment Advisors, LLC ("PCIA") a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management ("PCWM") and Qualified Plan Advisors ("QPA"). PCIA and Gulf Coast Financial Advisors are not affiliated.

Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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 it's referred to, typically builds as a bull market is extended and certain investments possibly grow faster than their underlying value would dictate. In this episode, Josh and Jay discuss both fear of missing out, and discuss the difference between "gambling" versus utilizing a diversified, purposely constructed diversified portfolio. The hosts even get to relieve a little bit of the dot.com bubble, as both had just graduated college as that era was heating up. Been burned by the market recently? Tune it to hear about possible different approaches to your investing strategy.

Want To Continue The Conversation?

You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing [email protected], or setting an appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

////// Disclosure:

Advisory services offered through Prime Capital Investment Advisors, LLC ("PCIA") a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management ("PCWM") and Qualified Plan Advisors ("QPA"). PCIA and Gulf Coast Financial Advisors are not affiliated.

Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.