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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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

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The three financial things every Gen Z and person in their 20s needs to learn. 

In this episode of the Financial Cents podcast, we're cutting through the noise to give you the real money talk you need. This is for everyone navigating through their own financial journey.

We break down three lessons everyone should learn:

1️⃣ Understanding and utilizing a variety of banking products and services.

2️⃣ Understanding terms on lending. 

3️⃣ Taking advantage of financial benefits like 401ks. Start in your 20s!

Bonus tip: Go into a bank and talk to a person. Don’t rely solely on technology.

See credit cards we offer: https://www.nbarizona.com/personal/credit-cards/

Stop by and talk to a banker about your finances: 👉 https://www.nbarizona.com/personal/schedule-appointment/

See Brent Cannon, president of National Bank of Arizona, sits down with Brennan Wemmer, our resident Gen Z branch manager, to share financial tips they wish they learned sooner in their 20s. 

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

#genzfinance #moneyinyour20s #financialmistakes #adultingishard #personalfinances #budgetingtips #investingforbeginners #financialliteracy #debtfreejourney #budgeting101

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#CheckingAccount #PersonalFinance #Retirement
Do you have these three bank accounts? Do you know the 50/30/20 rule? In this episode of Financial Cents, Brent Cannon and Paul Bradshaw break down the three essential accounts every financially savvy person needs: a checking account, a savings account, and a retirement account like a 401(k) or IRA. 

💳 Learn how to:
• Build an emergency fund that gives you 3-6 months of living expenses
• Use the 50/30/20 rule to budget like a pro
• Save for retirement with 401(k) or IRA contributions
• Maximize your account benefits

Explore more banking benefits: 👉 https://www.nbarizona.com/personal/
Brent Cannon, president of National Bank of Arizona, sits down with Paul Bradshaw, branch manager, to share insider tips for maximizing your checking and savings accounts. Whether you're managing personal finances or just want smarter banking, this episode is for you.

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/
#FinanceTips #Overdraft #FinancialCents #NationalBankofArizona #SmartBanking #MoneyManagement #CreditCards #Banking #FinancialPlanning #Retirement #IRA

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#checkingaccount #PersonalFinance #CreditCardRewards
Most people use checking accounts daily, but few realize how much value they’re leaving on the table. In this episode of Financial Cents, we talk about how to choose a checking account and we reveal how to unlock hidden perks like credit card reward boosts, loan rate discounts, and overdraft protection.

Open a Gold Account today: 👉 https://www.nbarizona.com/personal/personal-checking/gold-checking-account/?cid=adg-Yt_aff-NBAZ_cmpgn-ProductFocus_dtl-Nbazgold_lnchdt-202510_ch-OrgncScl_pur-Awa_vndr-Intrnl

💳 Get 0.25% more on your credit card rewards
🏦 Save with 0.50% rate discounts on consumer loans
💸 Avoid ATM fees nationwide
📈 Boost your savings interest rate
🏠 Get up to $1,000 off mortgage closing costs

Explore more banking benefits: 👉 https://www.nbarizona.com/personal/personal-checking/?cid=adg-Yt_aff-NBAZ_cmpgn-ProductFocus_dtl-Nbazgold_lnchdt-202510_ch-OrgncScl_pur-Awa_vndr-Intrnl

Brent Cannon, president of National Bank of Arizona, sits down with Paul Bradshaw, branch manager, to share insider tips for maximizing your checking account. Whether you're managing personal finances or just want smarter banking, this episode is for you.

View more episodes: 👉 https://www.nbarizona.com/personal/community/financial-cents/?cid=adg-Yt_aff-NBAZ_cmpgn-ProductFocus_dtl-Nbazgold_lnchdt-202510_ch-OrgncScl_pur-Awa_vndr-Intrnl

#FinanceTips #RewardsPoints #InterestRates #Overdraft #FinancialCents #NationalBankofArizona #SmartBanking #MoneyManagement #CreditCards #Banking #FinancialPlanning 

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Cash flow can make or break your business. Many businesses fail not because of lack of profit, but because of poor cash flow. In this episode, we share practical strategies to help business owners monitor cash flow, optimize receivables, and build financial reserves. Learn how to avoid common pitfalls and keep your business financially healthy.

Get help from a local banker who understands cash flow: 👉 https://www.nbarizona.com/business/treasury/

Explore invoicing tools to get paid faster: 👉 https://www.nbarizona.com/business/digital-banking/invoice-and-get-paid/

Brent Cannon, president of National Bank of Arizona, sits down with Zak Wagner, treasury management sales manager, to break down the essentials of cash flow management. Whether you're just starting out or scaling up, this episode will help you run your business smarter.

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



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Accepting credit cards and getting paid quickly can make or break a small business. In this episode, we’ll walk you through the tools and strategies that help business owners invoice smarter and improve cash flow. Learn how to choose the right point of sale system and invoice clients quickly and easily.

#CreditCards #Invoicing #MerchantServices #SmallBusinessTips #Clover #Entrepreneur #CashFlow 

Get help from a local banker that understands cash flow and credit card processing:
👉 https://www.nbarizona.com/business/treasury/receivables/merchant-services/

Invoice clients faster and more professionally:
👉  https://www.nbarizona.com/business/digital-banking/invoice-and-get-paid/

In this episode of Financial Cents, Brent Cannon, president of National Bank of Arizona, sits down with Zak Wagner, treasury management sales manager, to break down how small businesses can accept payments and invoice more efficiently. Whether you're just starting out or looking to upgrade your systems, this episode will help you get paid faster and run your business smarter.

Subscribe from your favorite podcast platform by visiting:
https://www.nbarizona.com/financial-cents/

#FinancialCents #NationalBankofArizona #SmallBusinessFinance #InvoicingSoftware #creditcardprocessing 

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Getting an SBA loan can be tricky, but we’ll walk you through the common mistakes applicants make and give some of the best ways to use an SBA loan. Avoid these common mistakes to make the SBA loan process quicker. #SBALoan #SmallBusinessTips #Finance

Get help from an SBA preferred bank and a 1.5% rate discount on SBA loans: https://www.nbarizona.com/business/landing/sba-promo/?cid=aff-NBAZ_cmpgn-ProductFocus_dtl-NbazSba_lnchdt-202502_ch-OrgncScl_prod-SBALn_pur-Acq_vndr-Yt

In this episode of Financial Insights, Kelly Stutesman, business banking specialist, sits down with host Brent Cannon, president and director of community banking, to give you a guide to avoiding SBA loan mistakes. Whether you're a startup or looking to grow your existing business, these tips will help you navigate the SBA loan application process successfully.

Common SBA Loan mistakes to avoid:

1.       Incomplete Applications.

2.       Ignoring Eligibility Requirements.

3.       Poor Financial Documentation.

4.       Lack of a Solid Business Plan.

Subscribe from your favorite podcast platform by visiting: https://www.nbarizona.com/financial-cents/.

#FinancialCents #NationalBankofArizona #Sba7a #SbaLoans

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Getting an SBA loan can be tricky, but we’ll walk you through the SBA loan process. Here is your checklist and guide to what you need for the SBA process. #SBALoan #SmallBusinessTips #finance 

In this episode of Financial Cents, Kelly Stutesman, business banking specialist, sits down with host Brent Cannon, president and director of community banking, to give you an ultimate guide 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.

Get help from an SBA preferred bank and a 1.5% rate discount on SBA loans: https://www.nbarizona.com/business/landing/sba-promo/?cid=aff-NBAZ_cmpgn-ProductFocus_dtl-NbazSba_lnchdt-202502_ch-OrgncScl_prod-SBALn_pur-Acq_vndr-Yt

Subscribe from your favorite podcast platform by visiting: https://www.nbarizona.com/financial-cents/.

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