Prosperity Partners Q1 2026 Investment Update. Executive Q&A Discussion: Mark Chandik (President & Chief Investment Officer) & Bryan Ugalde (Vice President and Chief Operating Officer) sit down together to discuss a comprehensive look at what's been a pretty eventful start to the year. Your Chief Prosperity Officer® – Securing Your Future Together *For a free copy of Mark's book, 10 Financial Strategies for the Smart Investor, click here: https://prosperity-pwm.com/* *Book a 1-hour Introductory Meeting with Mark - https://calendly.com/mark-prosperity-pwm/new-meeting* *To sign up for our complimentary weekly newsletter, email your contact information to [email protected]* Follow us on social media to never miss an update: *Prosperity Partners LinkedIn - https://www.linkedin.com/company/prosperitypartnerspwm* *Prosperity Partners IG - https://www.instagram.com/prosperitypartnerspwm/* *Prosperity Partners Facebook - https://www.facebook.com/prosperitypartnerspwm/* *Have any questions? Email them to [email protected]* Advisory Services offered through FDP Wealth Management, LLC, a state Registered Investment Adviser and Valmark Advisers, Inc. a SEC Registered Investment Advisor. Securities offered through ValMark Securities, Inc., Member FINRA/SIPC. 130 Springside Drive Suite 300 Akron, OH 44333-2431 800.765.5201 Prosperity Partners and FDP Wealth Management, LLC are separate entities from ValMark Securities, Inc. and Valmark Advisers, Inc. Prosperity Partners, FDP Wealth Management, LLC, ValMark Securities, Inc., Valmark Advisers Inc., and their representatives do not offer tax advice. You should consult your tax professional regarding your individual circumstances. The information contained in this email is privileged or confidential information intended only for the use of the individual or entity named. If the reader is not the intended recipient, agent or other person or entity responsible for delivery to the recipient, you are hereby notified that any dissemination, distribution or use of this information is neither allowed nor intended for your use and may subject you to legal action if such information is acted upon. If you have received this communication in error, please reply back indicating ERROR IN DELIVERY in the subject line and your email address will be removed. Thank you for your cooperation.

How to Grow & When to Exit: 40 Years of Construction Industry Wisdom with Dan Ugalde.

What does it take to weather four decades of growth and regulation in the highly competitive market of supplying equipment to construction sites?

To find out, Mark interviews Dan Ugalde, a long-time Board Member of the Southern California Contractors Association. Dan grew a highly successful trucking company that supplied earthmoving trucks to construction sites throughout SoCal.

After a long and productive career, Dan took an interesting approach when exiting his company: he chose to liquidate rather than sell. Through that process, he made sure his key employees were well taken care of, helping many of them retire or find places within the industry.

A master at forming long-term relationships, Dan is also very active in helping the industry fight harmful legislation, having also served on the SCCA Legislative Committee.

• Listen in as Dan shares his thoughts with host Mark Chandik on:
• Business And Regulatory Changes In Your Industry Over The Years
• The Effect Of California Compliance Regulations On Independent Truck Owners
• How Did You Decide On The Exit Strategy For Your Company
• What Length Of Time Did It Take To Wind Down Your Business
• Fostering Long-Term Relations
• Advice On Navigating The Highs And Lows Of The Industry
• Managing Your Cash Flow
• Hiring Employees For The Long Term
• How Important Is Family Support
• How Important Is Your Work With Charities
• Using Professional Consultants

Free Exit Preparedness Assessment

In just 5 minutes our 18-point evaluation helps you assess your future readiness to exit, sell or transfer your company. Find it here: https://fdpwm.com/site/our-clients/exit-strategies/

About the FDP Prosperity Report

Prosperity is more than a number. It's the power to shape what is possible for you, your family and your heirs. On the Prosperity Report you can learn ideas for building wealth, safeguarding it, and translating it into true prosperity with insights from actual business owners and financial professionals.

GET THE BOOK

For a free copy of Mark Chandik's book "10 Financial Strategies for the Smart Investor" visit www.fdpwm.com

Exit Strategies for the Business Owner with Guest Ben Julianel

Today we're looking at exit strategies for business owners. Your business is not simply what you do with your time and talent, it's a sizable asset.

We're going to help you think about what's next for both your business and yourself, even if you never plan on retiring.

A successful exit or transfer of a business has 4 stages:

1. First, assemble your team of professionals to help with the process
2. Evaluate and improve your financials
3. Consider types of buyers - insiders, third parties, or employee ownership
4. Structuring the deal - how and when the transfer of value takes place

Free Exit Preparedness Assessment

In just 5 minutes our 18-point evaluation helps you assess your future readiness to exit, sell or transfer your company. Find it here: https://fdpwm.com/site/our-clients/exit-strategies/

About the FDP Prosperity Report

Prosperity is more than a number. It's the power to shape what is possible for you, your family and your heirs. On the Prosperity Report you can learn ideas for building wealth, safeguarding it, and translating it into true prosperity with insights from actual business owners and financial professionals.

GET THE BOOK

For a free copy of Mark Chandik's book "10 Financial Strategies for the Smart Investor" visit our website

NOTE:

This information is provided as a financial planning tool/solution to business owners and is designed to offer valuable education and insight to the myriad decisions that should be considered when planning to exit a closely held business. FDP does not participate in the actual sale of private businesses.

Real Estate - Does it Make you Confident or Nervous?

Your own sentiment may vary depending on what type of real estate investment you hold, when you bought it, and what the market is doing. We'll talk about both residential and commercial, what makes the Southern California market different, what's happening with inventory, and some insights on real estate deals that most people aren't even aware of.

To help bring some sense to all this, today we have two guests:

Suzi Dailey is the founder of DaileybytheSea, a Coastal boutique Luxury real estate firm with over $1B in sales. She has served high-profile clientele from all over the world, including Brazil, China, Dubai, England, India, and Sweden. You'll see her quoted in magazines such as Oprah, Women's Day, and Reader's Digest.

Andrew Morrow has a 20-year track record of helping business owners and tenants rent and acquire real estate assets. He is currently Executive Managing Director at Cushman and Wakefield where he specializes in corporate tenants that have supply chain and operations across Southern CA and the Western United States.

Listen in as we explore:

• Should SoCal homebuyers wait to buy?
• How interest rates affect commercial real estate
• Minimizing surprises when buying residential real estate
• What does the next 12 months in commercial real estate look like?
• What will the next 12 months in the SoCal real estate market look like?

When are annuities an appropriate choice?

In this episode we explore annuities – a financial product you've likely heard of.

But what are annuities exactly? What purpose do they serve, when is an annuity a good choice for including in your financial plans, and what are the downsides?

Our guest Zach Hurst, CFP, CLU, will help us take a look at all the angles so you can have a knowledgeable opinion instead of a knee-jerk reaction when you hear this much-talked-about term.

Zach is Director of Financial Planning for Valmark Financial Group in Akron Ohio, where he's responsible for the design, marketing and implementation of Valmark's unique financial planning processes, including asset accumulation, retirement income distribution, and legacy planning.

Listen in as we explore:

• What is an Annuity?
• Are Annuities Right for Everyone?
• What Would You Say To an Advisor Who Doesn't 'Believe' in Annuities?
• Downsides of Buying an Annuity.
• Why Do Some People Tune-Out When They Hear Annuity?
• Who Are Good Candidates for an Annuity?
• How Can an Annuity Compliment Your Financial Plan?

About the FDP Prosperity Report

Prosperity is more than a number. It's the power to shape what is possible for you, your family and your heirs. On the Prosperity Report you can learn ideas for building wealth, safeguarding it, and translating it into true prosperity with insights from actual business owners and financial professionals.

GET THE BOOK

For a free copy of Mark Chandik's book "10 Financial Strategies for the Smart Investor" visit our website

When is transferring ownership of your construction business to an ESOP a good option?

Guest Michael Harden, CPA, CFA, Senior Managing Director of Ambrose Advisors discusses this and other factors to consider when deciding if/when to sell to an ESOP.

Michael leads Ambrose's Investment Banking division. Since 1993, he has had experience in practicing and completing accounting, mergers, acquisitions, financings, ESOP buyouts and valuations. He is a specialist in ESOP buyouts and therefore has experience in wide array of industries, including energy, technology, government contracting, breweries, manufacturing, distribution, business services and construction.

Listen in as we explore:

• How Does Selling a Company to an ESOP Compare to a Conventional Sale?
• Selling A Company To An ESOP
• Is An ESOP Beneficial For A Departing Partner?
• Is There Cash At Closing For An ESOP?
• What Information Is Required To Be Shared In An ESOP?
• How Do You Choose An ESOP Trustee?
• What Percentage of a Company Can be Sold in an ESOP?

About the FDP Prosperity Report

Prosperity is more than a number. It's the power to shape what is possible for you, your family and your heirs. On the Prosperity Report you can learn ideas for building wealth, safeguarding it, and translating it into true prosperity with insights from actual business owners and financial professionals.

GET THE BOOK

For a free copy of Mark Chandik's book "10 Financial Strategies for the Smart Investor" visit our website

The Prosperity Report – This episode's guest is Warren Hennagin CPA, MST, CCIFP, CGMA a Partner at Marcum LLP Hosted by your Chief Prosperity Officer® Mark Chandik.

Topics Discussed

0:00 FDP The Prosperity Project Intro

2:25 Do Contractors Need A Very Detailed Financial Statement for Bonding?

3:29 Looking at Cash Flow, Cash is King?

5:11 What Should Contractors be Aware of When Working in Different Jurisdictions?

6:03 What is the Secret Sauce of a Successful Contractor?

7:57 New Ways Contractors are Finding Good Employees

9:09 What New Tax Credits Should Contractors Know?

15:10 What Are the Different Accounting Methods a Contractor Uses

19:23 Working with Union vs Non-Union Contractors

Prosperity is more than a number. It's the power to shape what's possible - for you, your family, and your heirs. Here you'll find ideas for building wealth, safeguarding it, and translating it into true prosperity with insights from actual business owners and financial professionals.

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Investment Advisory Services offered through FDP Wealth Management, LLC, a state Registered Investment Advisor and Valmark Advisers, Inc. a SEC Registered Investment Advisor. Securities offered through Valmark Securities, Inc., Member FINRA/SIPC. FDP Wealth Management LLC is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc. Insurance License 0675533/0H92100

The Prosperity Report hosted by Mark Chandik your Chief Prosperity Officer with special Guest Michael McClary

Chief Investment Officer | TOPS / Valmark Advisers, Inc

They discuss Diversification, Risk management, Indexing, ETFs, Avoid mistakes we see other managers make, Systematic monitoring, Rebalancing, Strategic allocation changes.

Advisory services offered through Valmark Advisers, Inc. an SEC Registered Investment Advisor. All TOPS services are sold with a copy of the form ADV2A, ADV2B and fund prospectuses. These are available from your financial professional and investors are encouraged to read them in their entirety before investing. All investing involves risk, including the possible loss of principal. No investment strategy can guarantee a profit or protect against a loss. Valmark Advisers and their financial professionals do not offer tax advice. Client is advised to seek tax advice from a qualified professional before adopting any ideas contemplated herein.

Welcome to the FDP Prosperity Report hosted by Mark Chandik your Chief Prosperity Officer with special guest Matt Coats president of Coats Surety Services. Coats Surety provides services to a variety of contractors, developers, and clients in need of surety bonding since 1992. Matt Coats discusses with Mark Chandik the quality surety markets and the long-standing relationships with their underwriters and other professionals in the field, who utilize Coats Surety as a preferred surety-bonding agent in Southern California. Prosperity is more than a number. It is the power to shape what is possible for you, your family and your heirs. During the Prosperity Report you can learn about ideas for building wealth, safeguarding it, and translating it into true prosperity with insights from actual business owners and financial professionals. FDP Wealth Management's first objective with clients is helping them determine that and pointing out how much more clients can accomplish than you may have thought possible.

Third party posts do not reflect the views of Valmark Securities or FDP Wealth Management, LLC and have not been approved prior to posting. Advisory Services offered through FDP Wealth Management, LLC, a state Registered Investment Adviser. Securities offered through ValMark Securities, Inc., Member FINRA/SIPC. 130 Springside Drive Suite 300 Akron, OH 44333-2431 800.765.5201 FDP Wealth Management, LLC is a separate entity from ValMark Securities, Inc. FDP Wealth Management, LLC, ValMark Securities, Inc. and their representatives do not offer tax or legal advice. You should consult your tax and/or legal professional regarding your individual circumstances. CA Insurance License #0675533/0H92100