Managing wealth is more than growing a portfolio. It is about avoiding the silent risks that can derail your financial future.#WealthManagement #HighNetWorth #investmentstrategy In this episode of Financial Cents, host Margaret Paddock and John Poure, CFP®, unpack the top five wealth management issues impacting clients today. They also take a broader look at the full set of thirteen planning topics that wealth advisors use to guide long term financial strategy.The Top 5 Wealth Management Issues✅ Investment planning✅ Retirement planning✅ Risk management✅ Tax and estate planning✅ Credit managementJohn Poure is a Wealth Advisor with Zions Wealth Advisors and is available to help you plan your future. He or one of his colleagues can be found at your local National Bank of Arizona branch.The Private Bank at National Bank of Arizona: https://www.nbarizona.com/wealth/private-banking/View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/#FinancialPlanning #RetirementPlanning #RiskManagement #EstatePlanning #TaxStrategy #WealthBuilding #FinancialWellness #MoneyManagement #FinancialCents #PrivateBanking #SmartInvesting #PortfolioManagement #ZionsWealth #PersonalFinance #NationalBankofArizona #Nbaz # FinancialCents

Thinking about starting a business but not sure where to begin financially? In this episode of Financial Cents from National Bank of Arizona, we sit down with Mario Aniles from Aniles & Co. CPA Firm to outline five essential financial steps every new entrepreneur must take to avoid costly mistakes and build a strong foundation for success.

Explore our business checking accounts: https://www.nbarizona.com/business/business-checking/

Connect with Aniles & Co. : https://anilescpa.com

What you will learn:

✅ How to choose the right legal entity (LLC, S-Corp) for your business

✅ The critical importance of separating your personal and business finances

✅ How to understand startup costs and avoid underestimating your budget

✅ Common tax mistakes that catch new owners by surprise (like sales tax!)

✅ Why aligning with a CPA and a banker from day one is a game-changer

📈 Whether you’re about to launch or just have an idea, this episode provides a clear roadmap for setting up your business's finances for long-term growth.

👉 Subscribe for more small business insights, banking tips, and financial strategies designed for Arizona entrepreneurs.

#SmallBusiness #BusinessTips #Finance #FinancialLiteracy #NationalBankofArizona #NBAZ #FinancialCents #Podcast

Disclosure:

Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and the Business Accounts Schedule of Fees, or speak with a banker for more details.

This podcast should not be copied, distributed, published or reproduced in whole or in part. The information contained in this podcast does not constitute research, recommendations, representations or warranties as to the accuracy or completeness of the statements of any information contained in this podcast and any liability from Zions Bancorporation, N.A. or its divisions is expressly disclaimed. The views expressed in this podcast may not be those of Zions Bancorporation, N.A. or any of its divisions. National Bank of Arizona is a division of Zions Bancorporation, N.A. Member FDIC. Equal Housing Lender, NMLS number 467014.

National Bank of Arizona, A Division of Zions Bancorporation, N.A, is not affiliated with Aniles & Co. CPA Firm and does not provide, warrant, or guarantee its products or services.

Thinking about starting a business but not sure where to begin financially? In this episode of Financial Cents from National Bank of Arizona, we sit down with Mario Aniles from Aniles & Co. CPA Firm to outline five essential financial steps every new entrepreneur must take to avoid costly mistakes and build a strong foundation for success.

Explore our business checking accounts: https://www.nbarizona.com/business/business-checking/

Connect with Aniles & Co. : https://anilescpa.com

What you will learn:

✅ How to choose the right legal entity (LLC, S-Corp) for your business ✅ The critical importance of separating your personal and business finances ✅ How to understand startup costs and avoid underestimating your budget ✅ Common tax mistakes that catch new owners by surprise (like sales tax!) ✅ Why aligning with a CPA and a banker from day one is a game-changer

📈 Whether you’re about to launch or just have an idea, this episode provides a clear roadmap for setting up your business's finances for long-term growth.

👉 Subscribe for more small business insights, banking tips, and financial strategies designed for Arizona entrepreneurs.

#SmallBusiness #BusinessTips #Finance #FinancialLiteracy #NationalBankofArizona #NBAZ #FinancialCents #Podcast

Disclosure:

Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and the Business Accounts Schedule of Fees, or speak with a banker for more details.

This podcast should not be copied, distributed, published or reproduced in whole or in part. The information contained in this podcast does not constitute research, recommendations, representations or warranties as to the accuracy or completeness of the statements of any information contained in this podcast and any liability from Zions Bancorporation, N.A. or its divisions is expressly disclaimed. The views expressed in this podcast may not be those of Zions Bancorporation, N.A. or any of its divisions. National Bank of Arizona is a division of Zions Bancorporation, N.A. Member FDIC. Equal Housing Lender, NMLS number 467014.

National Bank of Arizona, A Division of Zions Bancorporation, N.A, is not affiliated with Aniles & Co. CPA Firm and does not provide, warrant, or guarantee its products or services.

Not sure when a HELOC makes sense or how to prepare for one? In this episode of Financial Cents from National Bank of Arizona, we walk through how Home Equity Lines of Credit work, how to qualify, and how homeowners can use them responsibly as part of a long-term financial plan.

Start the application process: https://www.nbarizona.com/personal/home-loans/home-equity-line-of-credit/

Learn about the benefits of our Gold Account: https://www.nbarizona.com/personal/personal-checking/gold-checking-account

#HELOC #HomeEquityLoan #FinancialPlanning

What you will learn:
✅ How lenders determine your HELOC limit using your home equity
✅ The difference between variable-rate HELOCs and fixed-rate home equity loans
✅ Smart uses for a HELOC like home improvements and credit card payoff
✅ Real examples of how people misuse HELOCs and what to avoid
✅ Why setting up a HELOC before you need it can save you stress later

🏡 Whether you are preparing for a major expense or just exploring your options, this episode will help you use home equity as a tool, not a trap.

👉 Subscribe for more mortgage education, banking tips, and financial insights designed for Arizona homeowners.

#HomeEquity #MortgageTips #RealEstateEducation #FinancialLiteracy #NationalBankofArizona #Nbaz #FinancialCents #Podcast

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Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

Thinking about applying for an SBA loan to grow your small business or startup? SBA loans can be a powerful tool for business growth, buying real estate, or scaling operations, but they are not always the right fit. 

#SBALoan #BusinessFinanceTips #StartupFunding

We discuss how SBA loans work, the key differences between SBA 7(a), SBA 504, and SBA Express, and how to position your business for approval.

👇 We cover:
✅ The 3 best times to use an SBA loan
✅ When SBA loans do NOT make sense
✅ Why refinancing losses with an SBA loan is risky
✅ How to think about debt vs smart leverage
✅ The importance of working with an SBA Preferred Lender

In this episode of Financial Cents, Chris Sarver, Business Manager, sits down with host Brent Cannon, President and Director of Community Banking, to share the best uses for SBA loans and when it may not make sense. Whether you’re launching a startup or scaling an existing business, this episode will help you approach SBA financing with confidence.

👉 Learn how to get a 1.50% rate discount on select SBA loans with rates as low as 6.00%
(Subject to approval. Your rate may be higher.)
https://www.nbarizona.com/business/landing/sba-promo/
👉 Learn more about SBA loans:
https://www.youtube.com/playlist?list=PLquejpmytTfrELo-M9vq-mNlNm2DMnAu8

#Finance #Entrepreneur #Entrepreneurship #BusinessFunding #SmallBusiness #BusinessLoans #FinancePodcast
#BusinessPodcast #BankingTips #FinancialEducation #NationalBankofArizona #Nbaz # FinancialCents #ArizonaBusiness #ArizonaSmallBusiness

Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

Thinking about buying your first home in Arizona but feeling overwhelmed by prices, interest rates, and all the mortgage jargon? In this episode of Financial Cents from National Bank of Arizona, we break down what first-time homebuyers need to know to get mortgage-ready, understand how lenders evaluate you, and more confidently take the first step toward homeownership.

Start the application process: https://www.nbarizona.com/personal/home-loans/

Learn about the benefits of Gold Account: https://www.nbarizona.com/personal/personal-checking/gold-checking-account

#FirstTimeHomeBuyer #MortgageChecklist #HomeBuyingTips

What you will learn:
✅ The 4 C’s of mortgages: collateral, capacity, credit and capital
✅ How much down payment you really need to buy a home
✅ What a healthy debt to income ratio (DTI) looks like
✅ Ways to help with closing costs
✅ Why it can still make sense to buy now and refinance later

🏡 Whether you are a millennial renter or just starting your homeownership journey, this guide will help you get informed, prepared and confident before you tour a single house. 

👉 Subscribe for more Arizona mortgage tips, homebuying guidance and real-world financial insights from a friend in the business.

#RealEstateEducation #ArizonaRealEstate #HomeBuyingTips #MortgageAdvice #ClosingCosts #AZHomeBuyer #ArizonaBanking #MillennialHomeBuyer #VALoans #SustainableHomeownership #FinancialLiteracy #CreditScoreTip #NationalBankofArizona #Nbaz # FinancialCents #podcast 

Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

Small businesses and startups rely on SBA loans to help grow. In this video, we cover how SBA loans work, the differences between SBA 7a, 504, and Express, and how to prepare a winning application.

 #SBALoan #BusinessFinanceTips #StartupFunding

 Learn how to get a 1.50% rate discount on select SBA loans for rates as low as 6.00% (Subject to approval. Your rate may be higher.)👉https://www.nbarizona.com/business/landing/sba-promo/

 Learn more about SBA loans: 👉https://www.youtube.com/playlist?list=PLquejpmytTfrELo-M9vq-mNlNm2DMnAu8

 In this episode we talk about:

✅ What SBA guarantees mean

✅ SBA 504 real estate and construction loans

✅ SBA 7a for working capital, equipment, and business acquisitions

✅ SBA Express for fast, streamlined approvals

✅ How to calculate project costs

✅ What lenders look for in business plans and projections

✅ How to avoid delays and denials

 In this episode of Financial Cents, Chris Sarver, business manager, sits down with host Brent Cannon, president and director of community banking, to give you an ultimate checklist to the SBA loan process. Whether you're a startup or looking to grow your existing business, this guide will help you navigate the SBA loan application process.

 #Finance #Entrepreneur #Entrepreneurship #BusinessFunding #SmallBusiness #BusinessLoans #FinancePodcast

#BusinessPodcast #BankingTips #FinancialEducation #NationalBankofArizona #Nbaz # FinancialCents #ArizonaBusiness #ArizonaSmallBusiness

Subject to credit approval and SBA approval. Terms and conditions apply. Interest rate is variable and subject to change based on change in Index (i.e., WSJ Prime).  See banker for details. New loans only. Eligible loan types: All SBA 7a loans, including SBA express Lines of Credit. Must comply with all SBA eligibility and collateral requirements. Rate requires Automatic payment from National Bank of Arizona business checking account. Offer is for a discount equal to 150 bps/1.50% below the rate listed on the SBA Loan Pricing Guide. The promotional rate will be in effect for the term of the note. Offer valid through December 31, 2026. Other terms and conditions apply. Offer subject to change. See banker for details. All price references and market forecasts correspond to the date of this recording. This podcast should not be copied, distributed, published or reproduced in whole or in part. The information contained in this podcast does not constitute research, recommendations, representations or warranties as to the accuracy or completeness of the statements of any information contained in this podcast and any liability from Zions Bancorporation, N.A. or its divisions (including direct, indirect, or consequential loss or damage) is expressly disclaimed. The views expressed in this podcast may not be those of Zions Bancorporation, N.A. or any of its divisions. Zions Bancorporation, N.A. is not providing any financial, economic, legal, accounting or tax advice or recommendations in this podcast. In addition, the receipt of this podcast by any listener is not to be taken as constituting the giving of advice, investment or otherwise, by Zions Bancorporation, N.A. to that listener, nor to constitute such person a client of Zions Bancorporation, N.A. Copyright reserved by Zions Bancorporation, N.A. National Bank of Arizona is a division of Zions Bancorporation, N.A. Member FDIC.          Equal Housing Lender, NMLS #467014

Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

Retirement is no longer a one-size-fits-all plan. From the rise of the 401k to the growing interest in micro-investing and crypto, the rules of wealth-building have fundamentally changed for every generation.

In this episode of Financial Cents, our new host Margaret Paddock sits down with Wealth Advisor John Poure (CFP) to break down the generational shifts in retirement planning. We cover everything from the conservative approach of Baby Boomers to the equity-focused portfolios of Millennials, the impact of recent tax laws (like the Secure Act), and the most essential, timeless wealth-building strategies. We talk about:

✅ The fundamental difference in investing strategies between Baby Boomers and Millennials.

✅ The 4% Rule for estimating how much money you need to retire.

✅ The three most important, universal financial rules to follow.

✅ Why saving early and leveraging the power of compounding is the single most important action (the Warren Buffett example).

John Poure is a Wealth Advisor with Zions Wealth Advisors and is available to help you plan your future. He or one of his colleagues can be found at your local National Bank of Arizona branch.

The Private Bank at National Bank of Arizona: https://www.nbarizona.com/wealth/private-banking/

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/

#retirementplanning #generationalwealth #401k #financialfreedom #investing #ZionsWealth #PersonalFinance #NationalBankofArizona #Nbaz # FinancialCents

Securities and Advisory services are off­ered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. National Bank of Arizona and Zions Wealth Advisors are business divisions of Zions Bancorporation, N.A. and are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name Zions Wealth Advisors are also employees of Zions Bancorporation. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Zions Bancorporation, N.A. or Zions Wealth Advisors. Securities and insurance offered through LPL, or its affiliates are:

Not insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value

Zions Bancorporation, N.A., provides referrals to financial professionals of LPL pursuant to an agreement that allows LPL to pay Zions Bancorporation, N.A. for these referrals. This creates an incentive for Zions Bancorporation, N.A. to make these referrals, resulting in a conflict of interest. Zions Bancorporation, N.A. is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html  for more detailed information.

Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

Are you tracking your net worth? Do you have complex financial needs? For the established business owner and high net-worth individual, the complexity of managing assets often demands a financial solution far beyond traditional banking. 

In this episode of Financial Cents, learn how private banking helps high net-worth individuals and successful business owners. Brent Cannon— president of National Bank of Arizona—sits down with Margaret Paddock—executive vice president and director of the private bank— to discuss how a dedicated private banker acts as your single point of contact, coordinating a full suite of services to help you with a comprehensive financial strategy and portfolio management. 

Talk with a professional private banker for a white glove approach to financial planning and banking. 
👉 https://www.nbarizona.com/personal/schedule-appointment/

Subscribe now for more financial insights! 
👉 https://www.youtube.com/channel/UCddXDHJgaq3InDfcyKWufRQ

Get insights and economic data geared towards individuals managing or building wealth. Download our High Net Worth Report: https://www.nbarizona.com/wealth/private-banking/high-net-worth-report/

#PrivateBanking #FinancialPlanning #WealthManagement #HighNetWorth #BusinessOwners #FinancialCents #Entrepreuer #NationalBankofArizona #FinancialStrategy #HNWI

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Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/

Getting out of debt is not as easy as it sounds. But whether you're dealing with unsecured debt like credit cards and student loans or managing secured debt— the key is to stop digging and start climbing.

In this episode of the Financial Cents podcast, host Brent Cannon, President and Director of the Community Bank, and Brennan Wemmer, Branch Manager & Financial Educator, give you five real-world, actionable strategies to pay off debt, especially as you plan for the new year. 

✅ Avalanche Method vs Snowball Method

✅ Debt Consolidation Loan 

✅ Increasing Income and Apply Windfalls

✅ Budgeting tips and cutting expenses

✅ Balance Transfers

This is your ultimate guide to creating a debt payoff plan that sticks. Whether you’re dealing with student loans, credit card debt, or just want to improve your financial health, this video is packed with real-world tips from real bankers.

Talk with a banker for a free Financial Checkup and to help with a debt pay off plan: 👉 https://www.nbarizona.com/personal/schedule-appointment/

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/

#PersonalFinance #FinancialFreedom #MoneyTips #DebtPayoff #DebtAvalanche #DebtConsolidation #HELOC #BudgetingTips #BalanceTransfer #DebtSnowball #NationalBankofArizona #Nbaz # FinancialCents

Check out more content Financial Cents content by visiting: https://www.nbarizona.com/financial-cents/