“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.”

Bruce Willey JD, CPA, has served as an accountant, tax and wealth-building specialist for individuals and business owners for over three decades. The founder of American Tax & Business Planning, LLC. Bruce is also an author, sought-after speaker and influential resource for tax law, application knowledge and strategic advisement.

Bruce is focused on creating partnerships with his clients; his specialties include tax minimization, comprehensive and ongoing wealth and tax guidance as well as legacy planning and transition management for individuals and business owners. To reach those goals, Bruce and his team invest in thoroughly understanding each client’s business as well as their needs and objectives; then finding opportunities and creating a master plan for financial choices designed to maximize outcomes while minimizing negative obligations.

Bruce and his team have saved their clients hundreds of thousands of dollars in unnecessary taxes and costs, helping them build their financial foundation, legacy and options.

Listen to this informative The Confident Retirement episode with Bruce Willey about secret systems to strategic tax planning.

Here is what to expect on this week’s show:

Connect with Bruce:

Americantpb.com

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The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.

Looking to invest excess cash? Look no further than this episode of The Confident Retirement, hosted by Kris Flammang. Kris discusses your options for overflow cash in this new solo episode. Kris has been in the financial services industry

Flammang breaks down the pros and cons of savings accounts, money market accounts, CDs, and money market funds. Learn about the benefits of having easy access with lower interest rates through savings accounts, or higher interest rates with flexible check-writing through money market accounts. And don't forget about CDs, which offer even higher interest rates with a laddering strategy. But for those seeking the highest interest rates of all, riskier money market funds may be the way to go. Flammang emphasizes the need to carefully weigh the options and choose the right account based on individual priorities and needs.

Don’t just leave your extra funds in a low-interest savings account! Listen to this informative The Confident Retirement episode with Kris Flammang about what to do with your excess cash.

Here is what to expect on this week’s show:

Connect with Kris:

LPFadvisors.com

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The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.

In this installment of The Confident Retirement podcast, featuring Kris Flammang, we delve into the intricate realm of tax litigation, emphasizing the pivotal role of seasoned expertise. Karen Tenenbaum, a distinguished tax attorney with a remarkable tenure of 39 years, bolstered by an LL.M. in Taxation and credentials as a Certified Public Accountant. As the visionary founder of Tenenbaum Law, P.C., based in Melville, NY, Karen has dedicated the past quarter-century to advocating for individuals and businesses ensnared in the complexities of IRS and New York State tax disputes.

Renowned for her profound acumen in tax law, Karen Tenenbaum is a venerated figure on the lecture circuit, imparting her extensive knowledge on IRS and NYS tax matters to esteemed professional groups such as the NYS Society of CPAs, the NCCPAP Accounting and Tax Symposium, AAA-CPA, and the New York State Society of Enrolled Agents, among others. In her current roles as the Chair of the Suffolk County Bar Association Tax Law Committee and the Vice Chair of the NYS Society of CPAs Relations with IRS Committee, she continues to shape the discourse in tax law, while her firm steadfastly champions the resolution of tax dilemmas for a myriad of clients.

Tune in to this enlightening episode of The Confident Retirement with Karen Tenenbaum for a discourse replete with sophisticated insights into the nuances of tax law.

Highlights of this week's episode include:

Connect with Karen:

https://www.litaxattorney.com/

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.”

Born into a medical family, Trish Butcher has dedicated her professional career to advocating for and assisting physicians and other healthcare professionals. After having her own son, she transformed her passion into a modern law practice that focuses on helping guide young families and the medical community to protect their hard-earned assets and family with personalized and comprehensive life & legacy planning. Whether her clients are just starting their career or looking to protect their medical legacy, married or single, have babies or children who are grown, Trish helps her clients craft a plan that achieves their goals for their legacy and loved ones today and for years to come.

Trish graduated from the University of Georgia followed by the Emory University School of Law in 2013. While studying at Emory, she interned with the Medical Association of Georgia (MAG) and later transitioned into the role of Legal Counsel. After MAG, Trish transitioned to private practice and assisted healthcare professionals with a wide variety of legal matters while working with Hamil Little PC. After advanced training with the New Law Business Model, Trish became a licensed Personal Family Lawyer and Family Business Lawyer® in order to step away from the antiquated billable hour and ensure that she can become the trusted advisor for her clients to look to for a lifetime of guidance, protection, and love.

Trish is an avid University of Georgia fan, a wife, and proud mother of Max (and two fur babies).

Listen to this dynamic The Confident Retirement Podcast episode with Trish Butcher. Her honesty and care for people is on top. There are a lot of things that she imparted. The most important thing is that whatever the practice area she focuses on, she shares her passion in making a difference in an individual’s life and know that she was able to help.

Here is what to expect on this week’s show:

·Trish shares the story behind how she chose to be a lawyer, what’s her original plan when she entered law school, and why she opened up her own law firm.

·Learn more about estate planning by knowing Trish’s firsthand experience on an estate plan that gone bad.

·What is Trish’s motivation for specializing in special needs planning and what does this plan do?

· “Making a difference in people’s life.” This is what Trish loves most about the business.

·Trish clarifies the misconception that attorneys are intimidating to talk to.

·Trish tells us a story of a recent satisfying experience that includes covering the blind spots of her client. Learn more about Trish’s, what she loves to do, her personal stories.

· Learn more about Trish’s, what she loves to do, her personal stories, and experiences, achievements, and things that she is looking forward to.

Connect with Trish Butcher/Butcher Health Law

www.butcherhealthlaw.com

Connect with Kris

Website: https://www.lpfadvisors.com/

LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/

Twitter: @kflammang

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.”

Looking to secure your financial future? Tune in to The Confident Retirement hosted by Kris Flammang. On today’s episode, Kris Flammang interviews Carolina Nunez, a first-generation American attorney.

After graduating law school, Carolina opened her solo practice in Winter Park, Florida and expanded recently to Daytona Beach, Florida. The Law Offices of Carolina Nunez, P.A. also expanded offices in satellite locations in Gainesville and Stuart. The goal of her firm is to provide personalized service while delivering big firm results. Their boutique office focuses on client communication to not only provide full understanding of legal strategy to their clients, but also to ensure that the client knows that they are not just another case. They value people and view each case from the eyes of our clients. 

On today’s episode, Carolina shares her journey with Kris from her beginnings in real estate to eventually becoming a lawyer. She discusses the importance of ambition and drive over education, and the ins and outs of personal injury and estate planning (regardless of wealth status). Plus, learn how Carolina helps her clients navigate the complex world of insurance policies and recover maximum compensation for their injuries. Stay up to date with the latest legal updates and tips from Carolina's blog. Don't miss this engaging and informative episode of The Confident Retirement about maximizing your confidence for retirement. Listen now!

Here is what to expect on this week’s show:

Connect with Carolina:

https://www.cnunezlaw.com/

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.”

Eliana T. Baer, Esq. is a Partner at the national law firm, Fox Rothchild, LLP, where she focuses her state-wide practice on representing clients on issues relating to divorce, equitable distribution, support, custody, adoption, domestic violence, premarital agreements and Appellate Practice. Ms. Baer, I received her undergraduate degree from Yeshiva University, magna cum laude.  She is a 2009 graduate of Seton Hall University School of Law and is admitted to practice in the New Jersey and New York.  She is also admitted to practice in the United States District Court for the District of New Jersey. 

Ms. Baer is member of the New Jersey State Bar Association - Family Law Section and Family Law Young Lawyers Section.  She has been named a Rising Star by New Jersey Monthly Magazine and Law & Politics Magazine for 2014 through 2023. In 2016, Ms. Baer was named a Trailblazer in Divorce by The National Law Journal. In 2018, Ms. Baer was named New Leader to the Bar by the New Jersey Law Journal. She has been inducted as one of the Ten Leaders, Family Law, Age 45 & Under from 2018 through 2023. Ms. Baer currently serves on the New Jersey State Bar Association’s Family Law Executive Committee

Listen to this informative The Confident Retirement episode with Eliana Baer about high-net-worth divorce complexities.

Here is what to expect on this week’s show:

Connect with Eliana:

https://www.foxrothschild.com/eliana-baer

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The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.

In this episode of the "Confident Retirement Podcast" host Kris Flammang discusses the common mistakes people make when planning for retirement. Flammang highlights three key mistakes observed during his two decades of experience working with individuals and business owners. He emphasizes the universality of these mistakes, regardless of the state of the economy or government. The first mistake is ignoring the risks associated with retirement, regardless of one's financial preparation. Flammang stresses the importance of acknowledging and preparing for the "certainty of uncertainty" in life and retirement plans. He introduces the concept of three types of retirees: overfunded, underfunded, and constrained investors, with most people falling into the latter category. These investors must be especially mindful of longevity risk, inflation risk, and timing risk in their investment strategies.

Flammang then delves into specific retirement planning strategies to address these risks. He critiques the traditional total return method for retirement planning, pointing out its shortcomings in addressing the risks for constrained investors. Instead, he proposes an income plan or strategy that segments funds according to the timeframe of usage. This approach allows for more aggressive investment of funds not needed for a long time, while ensuring that immediate income comes from stable sources. Flammang also emphasizes the importance of not taking the Social Security claiming decision lightly, as it can have a significant financial impact over a person's lifetime. He advises considering factors like marital status, health, family history, and financial need when making this decision. The episode concludes with Flammang urging listeners to not overlook these common mistakes and to adopt a well-thought-out income strategy that prepares for the uncertainties of retirement.

Highlights from today's episode:

• Three Types of Retirees: Learn about the classification of retirees into three categories: overfunded, underfunded, and constrained investors.

• Critical Retirement Risks: The importance of being aware of and preparing for three major retirement risks: longevity risk, inflation risk, and timing risk.

• Income Planning Strategies: The traditional total return method of retirement planning and advocates for an income planning strategy. This strategy involves segmenting retirement funds based on when they will be used, allowing for tailored investment approaches based on time horizons.

• Social Security Claiming Decision: The significance of the Social Security claiming decision. Consider various personal factors like health, marital status, and financial needs before deciding when to claim Social Security, as this decision can greatly impact long-term financial stability.

• Embracing Uncertainty: The concept of the "certainty of uncertainty" in retirement planning. Flammang advises listeners to prepare for unpredictable changes and uncertainties in life and the economy.

Enjoy the show!

Connect with Kris:

Website: https://www.lpfadvisors.com/

LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/

Twitter: @kflammang

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The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.

Vicky Townsend is the founder and President of Divorce Right, Inc.  an Employee Assistance Program company serving companies and government agencies in the US and abroad.  She is also the co-founder an former CEO of the National Association of Divorce Professionals, a professional association consisting of the licensed and certified professionals that serve families going through a divorce. 

Vicky is revolutionizing the divorce process by training HR professionals and company supervisors about the issues facing their divorcing employees, signs an employee may be experiencing or even contemplating a divorce, and the issues that they may be facing by way of international culture issues, religious matters, and more. Vicky is a proud FSU alum, and looks forward to the day that the divorce process doesn’t destroy families financially or emotionally. Listen to this informative The Confident Retirement episode with Vicky Townsend about divorce and the work place.

Here is what to expect on this week’s show:

• The labyrinthine system of divorce is designed by the people you hire to get you out of it.

• Divorce the number one business disruptor other than death.

• Average employee loses 40% of productivity for 4-5 years.

• The biggest effect of a divorce on the business is productivity.

• What is a win-win for everyone?

• Why 5% of your divorcing employees quit.

• What is a post-nuptial agreement and how does it work?

Connect with Vicky:

https://divorcerightinc.com/about-us/meet-the-founder/

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“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendation.”

In this fan favorite episode, we feature a conversation with Nancy Hendrickson. Nancy Hendrickson started with CAN Community Health in July of 2016 working as a temp where she was responsible for processing Payroll and general HR duties. Shortly thereafter, she was hired and currently is the Total Rewards Manager where she manages all aspects of the employee benefits program. This includes health and welfare plans, retirement plans, life insurance, wellness programs, and any other employee benefit plans offered.

Prior to moving to Sarasota, Florida, she lived in Baltimore, Maryland where she was a licensed Life/Health Insurance agent and worked with other brokers, brokerage firms, clients, and Third-Party Administrators. Her final position was the Enrollment Department Supervisor for BenefitMall where she and her staff maintained a zero-error report with CareFirst.

In our conversation, we discuss several topics, including:

• Why Nancy loves working for her company.

• Why communication and honesty are important traits when challenges at work surface

• Why you always have to listen to your employees

• How benefits help employees

• How understanding benefit packages can be overwhelming for employees

• What part of benefit packages gets the most positive feedback

Connect with Kris:

Website: https://www.lpfadvisors.com/

LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/

Twitter: @kflammang

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Episode Summary:

“The information I am providing is my opinion and not necessarily that of my firm or this platform. I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.”

Jeremy T. Schilling is a civil litigator, with his primary practice in the area of first-party property insurance and personal injury. He spent the first six-plus years of his career defending insurance companies, along with general civil litigation for both defendants and plaintiffs. It is his experience defending insurance companies that enables Jeremy to best serve the injured and policyholders as he now dedicates his practice to helping the injured and homeowners obtain the benefits to which they are entitled.

In this episode Jeremy Schilling talks about his journey with work in an insurance company, providing him a unique understanding of the industry. His law firm, described as a consumer advocacy group, is dedicated to helping injured individuals and homeowners navigate insurance claims. The podcast touches on challenges in the Florida insurance market, particularly unresolved hurricane claims, and highlights the impact of changes in tort reform laws on property and personal injury cases. Jeremy emphasizes the importance of personal connections with clients, the challenges posed by misconceptions about attorneys, and the need for clients to actively participate in decision-making. Despite changes in the legal landscape, the firm's goal remains rooted in doing things the right way and helping people, expecting financial success to follow.

In the interview, Jeremy shares insights into his legal background, the challenges and misconceptions in the legal profession, and the specific hurdles presented by recent changes in Florida law. He articulates the firm's commitment to being a consumer advocacy group, fostering personal connections with clients, and navigating the complexities of insurance claims, particularly in the aftermath of natural disasters. This episode provides a comprehensive overview of Jeremy Schilling's legal approach, the firm's mission, and the evolving legal landscape in Florida.

Here is what to expect on this week’s show:

• Jeremy's Unique Legal Background: Learn about Jeremy Schilling's unconventional start in the legal profession, having worked for an insurance company, which provided him with invaluable insights into the workings of insurance companies.

• Consumer Advocacy: Jeremy's law firm is described as a consumer advocacy group, and he emphasizes the firm's commitment to helping injured individuals and homeowners navigate insurance claims, dispelling misconceptions about lawyers being solely profit-driven.

• Challenges in the Florida Insurance Market: The episode discusses the challenges faced in the Florida insurance market, particularly regarding unresolved hurricane claims, shedding light on the complexities involved in such cases.

• Impact of Legal Changes: gain an understanding of how recent changes in Florida's tort reform laws have affected property and personal injury cases, shaping the way legal professionals approach certain claims.

• Personal Connection and Decision-Making: Jeremy highlights the importance of personal connections with clients, setting realistic expectations, and the active involvement of clients in decision-making, emphasizing that the financial situation of clients is considered irrelevant in the initial stages of evaluating a case.

Connect with Jeremy Schilling

https://schillingsilvers.com/jeremy-t-schilling-esq/

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