On this episode of the 3 Question Podcast, our topic will be focusing on the 3 Questions Business Owners Should Ask Before Granting Equity From Their Business. To help prepare you, I’ve invited my good friend, Emmanuelle Subar Litvinov, Esq, to join us. She is a Partner with The Entrepreneur Lawyers and a dedicated business attorney who specializes in mergers and acquisitions, private securities offerings, equity financings, and partnership structuring.

To schedule an online zoom consultation with Wayne to discuss your Wealth Management needs, click the link below. www.onecapital.com/MeetWithWayne3

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https://www.linkedin.com/in/wayne-baxter-81041229/

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad tackles a powerful (and sometimes awkward) question: why does it feel so uncomfortable when someone asks us for money? He breaks down the emotions and money beliefs behind that reaction — from fear of conflict to hidden guilt and scarcity thinking. You’ll learn how understanding your own money mindset can turn uncomfortable moments into confident, healthy conversations. Whether you want to set better boundaries, give generously, or just feel less awkward, this episode will help you shift from tension to clarity when money comes up.

Listen Now!

Show Highlights Include:

·      Money Chat is Taboo (3:30)

·      Distrust (5:15)

·      Manipulation (8:30)

·      Fear of Financial Insecurity (15:00)

·      Trust Your Plan (16:45)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

In this week’s episode, we dive into the hidden world of money disorders and how they quietly shape your financial health. We break down the most common types—from compulsive spending to money avoidance and money dysmorphia—and reveal the impact they can have on your everyday life and long-term goals. With clear, practical insights, this episode helps you recognize the warning signs, understand where they come from, and start building healthier money habits that lead to freedom, confidence, and lasting financial well-being.

Show Highlights Include:

• Money Dysmorphia (6:00) 
• Money Avoidance (7:00) 
• Compulsive Spending (8:45) 
• Chrometophobia (9:40) 
• Money Enmeshment (11:15)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-409-8150.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

In this week’s episode, we dive into the power of passive income and what it really means for your financial freedom. We break down the three main types—investment-based, asset-sharing, and digital content—and explore how each can create streams of revenue that keep working even when you’re not. With clear, practical insights, this episode shows you how to start building income that lasts, freeing up your time while growing long-term wealth.

Show Highlights Include:

• What Is Passive Income? (2:00) 
• Investment Based (5:15) 
• Net Profit Income (8:45) 
• Asset Sharing (10:00) 
• Digital Content (13:15)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-409-8150.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad dives into a common question: Is investing just gambling? He unpacks the key differences between risky bets and smart strategies, showing how informed investing can build real long-term wealth. Whether you're hesitant to start or want to sharpen your approach, this episode will help you invest with confidence—not luck.

Listen Now!

Show Highlights Include:

·      Probability (3:45)

·      Value Creation (6:45)

·      Strategy (7:30)

·      Long Term vs. Short Term (9:00)

·      Define it (14:00)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad dives into the real reason your future self needs you to start thinking seriously about money—right now. From the importance of having a solid financial plan to the power of being proactive (and even a little aggressive) with your retirement savings, Brad lays out key strategies, tools, and timeless rules to help you build long-term security. Whether you’re just getting started or fine-tuning your plan, this episode is packed with practical advice to set you up for a financially confident future.

Listen Now!

Show Highlights Include:

·      Financial Gear Check (6 :00)

·      Overtime vs. Overspend (7:15)

·      Pension and Investments (10:45)

·      Protect Yourself (14:30)

·      Financial Fires (16:30)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad takes a deep dive into Federal Reserve Chair Jerome Powell’s influence on interest rates—and what it means for you. He unpacks where the U.S. economy stands today, covering key topics like labor markets, wage growth, and overall financial trends. Whether you're a seasoned investor or just starting your financial journey, Brad breaks down complex concepts into digestible insights to help you better understand how monetary policy shapes your money. Tune in for practical takeaways and a clearer picture of the economic forces at play.

Listen Now!

Show Highlights Include:

·      Bath Tub Hoax (1:30)

·      Labor Markets (4:00)

·      Where are we now? (6:30)

·      Jerome Powell (9:00)

·      Wage Growth (11:15 )

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

This week on the show, Brad dives into the Stock Market — what it is, how it works, and what you need to know, whether you're actively investing or just starting to explore. He breaks down key financial concepts to help you build a strong foundation and, hopefully, walk away with some fresh insights.

Listen Now!

Show Highlights Include:

·      What Is A Stock? (7:30)

·      Stock Owners (8:45)

·      Profiting Off of Stocks (11:45)

·      Risk vs. Reward (14:00)

·      So, What Is The Stock Market? (17:30)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

On this week’s show, Brad dives into the five essential types of savings accounts that everyone should have on their radar. He’s not just giving you the basics—he’s breaking down when to use each one, what they’re best for, and how they can power your path to smarter saving and bigger financial wins.

Listen Now!

Show Highlights Include:

·      Traditional Savings (5:30)

·      High Yield Account (6:30)

·      Money Market Account (7:00)

·      CD Accounts (8:30)

·      Heath Savings Accounts (12:00)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The evolution of retirement has been changing for decades and with people living longer than before, many people are wondering where they will end up when their time comes.

In this week’s episode, Brad unpacks the groundbreaking impact of the Big Beautiful Bill that was just passed. He breaks down what this sweeping legislation means for Americans, with a focus on how it could reshape financial planning, taxation, and long-term wealth strategies. With over 20 years of experience guiding clients through legislative shifts, Brad offers a clear, practical perspective on how to navigate the changes—and seize the opportunities—that come with this bold new law.

Show Highlights Include:

• The Extension of the Tax Cuts (3:00) 
• Tips and Overtime (4:30) 
• S.A.L.T. (6:00) 
• National Debt (8:00) 
• What You Should Be Doing (9:30)

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-409-8150.