Chapters:
00:00 – Introduction
00:20 – Commission-Based Advisors
02:40 – Hourly Financial Planning
05:00 – AUM Fees Explained
07:50 – Flat Fee Model
12:00 – Comparing AUM vs Flat Fee

IMPORTANT DISCLOSURE: All financial advisory models have potential conflicts of interest. As a Flat Fee RIA, we believe this model best aligns our interests with our clients' comprehensive financial success, providing unbiased advice on all assets, including your 401k and real estate, without the incentive to push for an AUM rollover or commissionable products. This video is for educational purposes only and is not a recommendation to choose one specific fee structure over another. Consult your own financial professional to determine the best fee structure for your unique situation.

Chapters
00:00 Introduction
00:56 Video overview
01:27 Revisiting Form 1040
02:22 How to reduce recognized gross income (legally without sacrificing income)
04:02 Income smoothing
04:41 Managing the tax bracket
07:00 Deferring income into a future tax year
08:01 Positioning assets in the appropriate type of account
09:14 Purchasing tax-exempt securities
09:58 Tax loss harvesting (a powerful strategy!)
11:12 Investing for long-term capital gains
11:28 Increasing my above-the-line deductions
13:15 Planning to maximize below-the-line deductions
14:40 Protecting valuable tax credits
15:29 Recap and final tips

Problem Solving Hypnosis Style

Most people don’t realize that their RAS is constantly reinforcing their existing mindset — for better or worse. Once you understand how it functions, you can train your brain to start noticing the opportunities, relationships, and patterns that align with the life you actually want.

Forgiveness after church hurt can be challenging. Church hurt is so painful because it happens in a sacred place among God’s people. If you have suffered religious trauma, you are not alone. In this episode, Dr. Bob Martin (Pops) walks you through how to begin healing from spiritual wounds, not by ignoring them, but by choosing biblical forgiveness and rediscovering God’s heart for restoration. If you’re struggling with bitterness, isolation, or even a crisis of faith, this episode is for you.