Join us for the much-anticipated continuation of our wealth-building journey on Clover Club. Host Erika Audrey is back, along with expert guest Lauren Iddins, wealth strategist for Raymond James, in this eagerly awaited Part 2 of our series.

In this episode, Erika and Lauren pick up where they left off, delving deeper into the importance of financial planning and growing wealth. Building on the cautionary tales and insights shared in the previous episode, they explore additional strategies and actionable steps to empower listeners on their financial journeys.

Through candid conversation and expert guidance, they address key topics such as investment diversification, risk management, and long-term financial goals. Drawing from their own experiences and expertise, Erika and Lauren provide valuable advice to help listeners make informed decisions and set themselves up for financial success and freedom.

Whether you're a novice investor or a seasoned pro, this episode offers valuable insights and practical tips to continue building wealth and securing your financial future. Tune in and join the Clover Club community as we navigate the path to prosperity together.

Contact Lauren Iddens here

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Any opinions are those of Lauren Iddins of the Atlanta 3KG Branch and not necessarily those of Raymond James. This information is intended to be educational and is not tailored to the investment needs of any specific investor. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Past performance is not indicative of future results.  Diversification does not ensure a profit or guarantee against a loss.

Bitcoin issuers are not registered with the SEC, and the bitcoin marketplace is currently unregulated. Bitcoin and other cryptocurrencies are a very speculative investment and involves a high degree of risk.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Investment products are: Not deposits. Not FDIC Insured. Not guaranteed by the financial institution. Subject to risk. May Lose Value.

U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government. 

CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. 

Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion.

The Dow Jones Industrial Average (DJIA), commonly known as “The Dow” is an index representing 30 stock of companies maintained and reviewed by the editors of the Wall Street Journal. 

The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market.

401(k) plans are long-term retirement savings vehicles. Withdrawal of pre-tax contributions and/or earnings will be subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal tax penalty. 

ETF shareholders should be aware that the general level of stock or bond prices may decline, thus affecting the value of an exchange-traded fund. Although exchange-traded funds are designed to provide investment results that generally correspond to the price and yield performance of their respective underlying indexes, the funds may not be able to exactly replicate the performance of the indexes because of fund expenses and other factors.

Raymond James & Associates, Inc., member New York Stock Exchange/SIPC.