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For those of you that are taking charge of your life and your financial well-being, are you working with teams that handle "People Insurance?"

Unsure about what this means? My guest today, Ann Baker Ronn, will break down what this means to her and her clients in this episode of #ThePathwaysofPeakPerformance.

As a Third Generation Advisor, she has created a fun but educational way to help people navigate and pinpoint the correct insurance products for their needs; finding products that match the risk management problems they may be facing.

She will talk about insuring your golden eggs!

What we know:

-We insure our homes, and our cars, and we even insure our jewelry.
-If something happened to your jewelry, it wouldn't impact your life. You might be sad. 
-If you lost a house or a car, you can always borrow/rent a car, or live somewhere temporarily. 
**But if you lose your ability to go to work and earn an income there is no other YOU.**

This season and into the New Year, can you think of ways to either protect your golden eggs or help someone else protect theirs?

An important time stamp is 9:23 where Ann tells a story about a client who wasn't earning money but still returned to check in with his clients after a disability. Just the act of showing up and making some phone calls turned off his group contract. Don't rely on just your group disability benefits. 

How to find Ann?
You can reach her via email at [email protected].

The AFP Group
602 Sawyer Street, Suite 120
Houston, Texas 77007
713.626.9820

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

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This episode is packed full of tips for you to consider, for your New Year.

In this episode, we Focus on Talents with Jovita who defines the topics of what Emotional Intelligence is and how being aware of your EQ can benefit your life.

Within this episode she defines the topic and shares her PQR technique: 

1) Pause 
2) Question
3) Reframe

To learn more about how to add this to your personal toolbox of resources, please check out the episode or our show notes.

To learn more about Jovita's Pause Question Reframe technique and how to manage negative emotions check out her free workshop: https://growwithjovita.com/eq-webinar/  The workshop includes digital downloads to help you track your emotions, identify your emotional triggers, and reframe your responses to help reduce your emotional stress. 

Listeners also receive a 15% discount off Jovita's emotional intelligence coaching packages. Visit https://growwithjovita.com/product-shop/coaching-products/ and enter code Amber15.

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

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In today's episode of #TheAmberStittShow, we shed some light on a question many have out there: What is DEI?

What is this concept of Diversity, Equality, and Inclusion?

My guest Lined Mason shares the story of her transition to the financial services industry over 30+ years ago and what she has learned along the way. 

She talks about how DEI is really the glue that maintains a welcoming environment at work! In this episode we cover:

💡 What DEI means to her and her role as an executive at Ameritas.

💡 She talks about ways to change your mindset to step outside your comfort zone.

💡We discuss ways anyone can volunteer to participate in activities that bring awareness to this topic.

💡We challenge you to think of ways to continue learning and advocating for others.

Want to get more involved? I would be happy to point you in the right direction! 

Whether you are generally looking for information or are in the financial services industry and want to get involved with DEI more on the legislative side, please let me know. I can connect you to different organizations where you can make a difference!

#buildcommunity #takeactiontoday #diversityandinclusion #diversity #diversitymatters #inclusion #inclusionmatters #representationmatters #equality #leadership #equity #diversityequityinclusion #community  #diversityisbeautiful #dei #education #lgbtq #disability #genderequality #inclusivity #socialjustice #inclusionanddiversity #NAIFA #NAIFAPhoenix

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

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Welcome to The Amber Stitt Show! In this episode, host Amber Stitt is joined by guest Kelly Augspurger, CLTC®, CSA, a long-term care insurance specialist, to discuss the importance of planning for extended care and starting conversations about it. 

Discover the key facts and insights surrounding long-term care, including the different types of care available, the role of insurance, and the benefits of proactive planning. Amber and Kelly delve into the various options for coverage, such as traditional long-term care insurance policies and hybrid policies that offer additional benefits. 

Learn about the benefits of working with an independent agent specializing in long-term care planning, gaining access to multiple carriers, and comprehensive planning. They emphasize the significance of early planning, highlighting that the ideal time to start considering long-term care is typically in one's 50s. 

Join the conversation as they discuss the emotional, financial, and logistical implications of extended care situations, and the importance of involving family members in the decision-making process. Gain valuable insights on how having a plan in place can provide peace of mind, relieve burdens on loved ones, and ensure quality care. 

Don't miss this engaging and informative episode of The Amber Stitt Show, as Amber and Kelly empower listeners to take control of their long-term care options and make informed decisions for their family and finances. 

Start the conversation today and be prepared for the future! 

To learn more about Kelly and her practice, you can contact her at: 
[email protected] and on her website www.SteadfastAgents.com. 

She also has a podcast called Steadfast Care Planning and you can listen to her here: https://steadfastcareplanning.buzzsprout.com/ 

#FocusonRisk #TakeActionToday #TheAmberStittShow #LongTermCare #Podcast #Education #Family #FinancialPlanning

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

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I am very excited to share tax strategies with you all in this episode. I interviewed Todd from TASC to discuss how business owners can benefit from opening up an account this year.

This episode discusses what types of small business owners can qualify for and what healthcare expenses you may need to start tracking for reimbursement.

The "HRA" is a Health Reimbursement Account under IRS section 105. It is a way for small self-employed business owners to take 100% of their family's medical expenses, 

At a high level, what qualifies?

-Health Insurance
-Other supplemental insurance
-Medicare expenses
-Dental 
-Vision Insurance
-Out-of-Pocket Expenses
-Term Life Expenses up to $50k
-Long-Term Care Insurance premiums 
-Misc to include cold remedies, aspirin, etc.

Todd frequently speaks with these associations to discuss the benefits of this account. 

·         NATP ( National Association of Tax Professionals)
·         NSA (National Society of Accountants)
·         NSTP (National Association of Tax Professionals)
·         NAEA (National Association of Enrolled Agents)
·         NCPE (National Continuing Professional Education)
·         Western CPE
·         NAIFA(National Association of Independent Financial Advisors)
·         Back to Basics Tax Seminars
·         Gear Up tax – Checkpoint learning Thompson Reuters
·         Spidell – Caltax
·         Arizona Society of CPA’s
·         LAT Seminars

Contact information to book your consultation with Todd:
Direct Line: 608-268-8875
Cell:602-690-3175
[email protected]
https://microbusiness.as.me/ToddKuehn

For the 2021 Year End Reports and EVERYTHING you need for AgriPlan and BizPlan HRA:
https://www.tasconline.com/AgriPlan-BizPlan_upgrade
Check out our website at http:\\www.tasconline.com
TASC COVID-19 resource pages. Keeping our customers and partners up-to-date:
TASC Responds Website: www.tascresponds.com
TASC Capital Connection Blog: TASC Capital Connection

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

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🔥 Opus Clips AI Creates Short Videos From Your Full Length Videos: https://www.opus.pro?via=909178

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This episode focuses on using your Mortgage as part of your Financial Plan.

Richard from AZ Lending Experts walks us through a 15-year window of history of being in the business and the trends in our markets.

As you all know, investing in Real Estate has been a hot topic over the last few years and now there is a large focus on adjusting mortgage terms among having higher rates. But this hasn't been the first time Richard and I have seen this happen. We will share more about that here!

His team focuses on what is best for each individual client and he discusses many helpful tips in this Pathways episode.

Topics in this episode include:

-How to utilize your mortgage term to help align your personal money goals
-How some could benefit from a longer mortgage term vs. a shorter one, to invest the difference in another project or two
-How bi-monthly payments can reduce your loan balance as a way to pay off your mortgage balance faster

If you are truly interested in using your Mortgage as a solution to your Planning, make sure your mortgage broker walks you through all the options as some buyers' needs are different from others. It isn't just about the rates!

For more mortgage tips, please follow Richard and his team at  @AZ Lending Experts, LLC and their profiles on Instagram and Facebook.

#loan #homeownership #realtorlife #mortgagetips #homebuying #mortgages #properties #lender #creditrestoration #realty #homebuyer #homeowner #badcredit #listing #homesforsale #housing #homesweethome #house #realtors #lending #creditrepairservices #debtfree #justlisted #mortgageloanofficer #creditcard #goodcredit #realestatelife #mortgageloans #fixyourcredit #realestateinvesting #mortgage #realestate #realtor #mortgagebroker #home #realestateagent #firsttimehomebuyer #refinance #newhome #investment #househunting #property #finance #loanofficer #creditscore #mortgagelender #creditrepair #loans #homeloans #credit #dreamhome #broker #business #money #forsale #homebuyers #mortgagerates #financialfreedom #homeloan #entrepreneur

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

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Malware vs. ransomware
"Ransom" hijacking your practice and will cause your business harm and shut you down, possibly permanently

Smishing is the text
Vishing
Phishing

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

💻 Content Creators, Here Are Must Have Apps:

🔥 Opus Clips AI Creates Short Videos From Your Full Length Videos: https://www.opus.pro?via=909178

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In this episode, my guest Bryan and I discuss multiple Tech Myths that can leave YOU at risk every day.

Bryan from Echelon Technologies provides so much information in this episode and leaves you with multiple takeaways for you to start applying to your home and office today.

Myths:

I am too small for criminals go after me?
I just need an IT department.
I only need to review my tech training 1x a year.

SMB = Small to Medium Business = Largest victim of CyberSecurity Breaches!
Soft Targets = this is US!
Gateway Targets = Using US to get to the bigger enterprise companies.
Enterprise Organizations = Bigger Business vs. SMB
BEC = Business Email Compromise
P-I-I = Personal Identifiable Information
Phishing os fake email to prompt you to do something, typically with an attachment with malware or hyperlink.

We discuss how we are usually at fault when it comes to breaches from the bad guys.
**Humans can be your weakest links inside of your businesses!**

Please listen until the end to learn about these techniques and must-do's that you can implement today:

1) Start with your cybersecurity today and weekly! Not quarterly or annually!
2) Learn the "Stop Look and Think" Method
3) Practice the "SLAM Method"

We hope you enjoy learning on how to protect yourself, your family, and your businesses!

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

💻 Content Creators, Here Are Must Have Apps:

🔥 Opus Clips AI Creates Short Videos From Your Full Length Videos: https://www.opus.pro?via=909178

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In this guest interview, we meet with Celeste Plumlee, The Program Director at The Live & Learn Organization. This is a nonprofit organization located in Phoenix, Arizona.

In this episode, Celeste and Iris help to break down generational myths behind Domestic Violence. This episode of packed full of information for your general knowledge but to also help spot if you or a loved one and/or friend is in a situation that is not healthy too.
 
#didyouknow 

1 in 4 women have reported Domestic Violence in the US and the same numbers are being reported in my home county here in Maricopa County, Arizona.

Often people think:

-That wouldn't happen to me
-I could leave

However, you will learn here that this happens systemically.

If you are looking for resources locally in Arizona, you can see the information below but also reach out to Live & Learn directly. Also, you don't have to live here to support the cause!
We also discuss the many ways you can support Live & Learn. If you would like to help this Organization, please contact Iris at [email protected] and visit them at https://liveandlearnaz.org/. You can find more information on how to support them financially and/or by attending their upcoming events.

Here you can find additional information about:
-Target Circle
-Direct Sponsorships
-Annual Fundraisers and Events

**Please Follow them on Instagram at @liveandlearnaz or on Facebook.**

Please support Domestic Violence Month in October!

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

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In this episode, I interview Iris Ortega about The Live & Learn Organization. Iris is the Community Engagement Manager and is a wealth of knowledge about the program and the history of women here in Arizona.

Iris and I discuss the Mission behind Live & Learn, and what it means to Break the Cycle of Generational Poverty. 

Situational Poverty could be:
-When a parent loses a job
-When there is a divorce
-When someone suffers a chronic illness 

Generational Poverty is different as it can continue from generation to generation and is ongoing. This can affect not only the parents but the children and everyone's health. 

Iris discusses how they treat the "Whole Person" in this program and not just a few things in the home. This is so important as she mentions that children in generational poverty are more likely to suffer from chronic illnesses, heart disease, diabetes, and so on.

We also discuss the many ways you can support Live & Learn. If you would like to help this Organization, please contact Iris at [email protected] and visit them at https://liveandlearnaz.org/. Here you can find additional information about:

-Target Circle
-Direct Sponsorships
-Annual Fundraisers and Events

**Please Follow them on Instagram at @liveandlearnaz or on Facebook at LiveandLearnAZ**

Please support Domestic Violence Month in October!

#financialliteracy #givehope #hopeblooms2023 #empowerwomen #hopeblooms #hopewithaplan #targetcircle #buildcommunity #theamberstittshow #takeactiontoday

📻 Thank you for tuning in to The Amber Stitt Show!

🔗 Connect with Amber on Social Media:

• AMBER’S INSTAGRAM 
• AMBER’S LINKEDIN 
• AMBER’S FACEBOOK 

📲 Be sure to visit Amber's website:

www.AmberStitt.com

📲 To schedule a consultation with Amber please click here.

🎬 And remember, let's take action today!!!

===================

💻 Content Creators, Here Are Must Have Apps:

🔥 Opus Clips AI Creates Short Videos From Your Full Length Videos: https://www.opus.pro?via=909178

🔥 For Blogs, Descriptions, & AI Generated Text Needed for Your Project: https://www.castmagic.io/?via=amber