Is age 65 the “magic number” for retirement? Or just a myth that no longer fits modern retirement planning? In this episode, we unpack why most people get retirement timing wrong — and how the age you choose to retire should be driven by strategy, not tradition.Featuring insights from BAM Advisory Group and David Afraimi— 2025 Best of Mile High Finalists — this podcast walks through hypothetical case studies using eMoney and other planning tools to show you:

- Why 59½ may be a more important milestone than 65- How tax planning in your 60s could reduce income stress in your 70s- How to structure predictable, reliable income before Medicare kicks in- How your investment accounts, taxes, and RMDs intersect to affect your timingWant to see if you’re on track?If you're not sure whether your retirement plan is optimized — especially when it comes to taxes or income risk — schedule a quick, no-obligation 15-minute call with a licensed advisor: https://bamadvisorygroup.com/Schedule your Retirement Strategy Call - https://bamadvisorygroup.com/As part of the call, we’ll build a complimentary Retirement Tax Map — a visual guide to where your income may be taxed and where there’s room for improvement. It’s completely educational. https://bamadvisorygroup.com/Retire with Confidence. Not Guesswork.Proud Finalist: Best of Mile High 2025We’re honored to be named a finalist! Learn more about the program here:https://bestofmilehigh.com/winners/

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

In this episode, Dr. Daniel Crosby—renowned behavioral finance expert and bestselling author—shares why he continues writing books like The Soul of Wealth, The Laws of Wealth, and The Behavioral Investor, even when the financial return isn’t huge. His answer? Purpose. Impact. Legacy.

Join David Afraimi, CEO of BAM Advisory Group, for a candid moment on what drives top financial minds to share their insights with the world.

Topics Covered:

• Why Dr. Crosby writes books in multiple languages

• Behavioral finance and the psychology of money

• The power of financial literacy across cultures

• How purpose outweighs profit in thought leadership
  

Books by Dr. Daniel Crosby:

• The Soul of Wealth

• The Laws of Wealth

• The Behavioral Investor

 (Link to Dr. Crosby’s Amazon Book Store)

https://www.amazon.com/stores/author/B00O72MW1W?ccs_id=5baa98f3-c19f-4578-aee5-bc6b92a9d769

https://www.linkedin.com/in/danielcrosby/

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 Helpful Links:

 Additional episode: https://youtu.be/JALzFyrBL-k

Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-01

Our Bam Advisory Seminar Book: https://online.fliphtml5.com/refcp/zqko/#p=24

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

At BAM Advisory Group, we say we’re known not just for financial plans—but for protecting what’s priceless: your time, your energy, and your peace of mind.

In this episode of The Financial Leadership Podcast, David Afraimi sits down with Tasha Riggs to unpack what that really means.

Tasha shares her personal philosophy on what it takes to truly help protect clients—not just with numbers, but with empathy, education, and empowerment. By helping people feel confident about Medicare decisions, this is a what modern financial leadership looks like.

If you're re-evaluating your retirement strategy or Medicare coverage and want information rooted in integrity, this episode is a must-listen.

Tasha Riggs is a nationally recognized health insurance broker and sales leader, celebrated for her unwavering dedication to client advocacy, community involvement, and industry excellence. Consistently ranked among the Top 10 Sales Brokers and Top 10 Sales Leaders nationwide, Tasha brings over a decade of experience and passion to her work in health insurance and community outreach. She is a Platinum Chairman’s Club Award winner and a proud member of the Top 1% in Sales through Connect for Health Colorado and a part of the Broker Advisory Board. Tasha also manages a Dedicated Open Enrollment Center for Connect for Health Colorado, where she helps individuals and families navigate the complexities of healthcare coverage with clarity and care. Beyond her professional accolades, Tasha is a committed mental health advocate for veterans, working tirelessly to connect service members with the support and resources they deserve. Her commitment to helping others extends beyond policies and premiums—she’s a trusted advisor, community leader, and ally to those in need.

www.HealthMarkets.com/Tasha.Riggs

If you enjoy this conversation, please double check that you’ve liked the video and subscribed to the channel! That's a small way you can help us carry on doing this, really appreciate you!

 Email us at [email protected] or schedule a meeting with a BAM Advisor https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-01

Helpful Links:

Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-01

Our Bam Advisory Seminar Book: https://online.fliphtml5.com/refcp/zqko/#p=24

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

Are you in your 40s and wondering if you’ve waited too long to get serious about your retirement and financial strategy?

You're not alone—and you're not too late. In this episode of the Financial Leadership Podcast, host David Afraimi (CEO of BAM Advisory Group) and guest Chris Miller break down seven practical, compliant strategies to help professionals in their 40s make up ground and build momentum toward retirement.

What you'll learn in this episode:

●  How to take control of your cash flow with a reliable budgeting system

●  The importance of consistent investing and realistic risk tolerance

●  What it means to invest intentionally—not just accumulate assets

●  How strategic tax planning can improve long-term outcomes

●  The value of appropriate insurance coverage during your peak earning years

●  Why aligning your assets across the five crucial financial domains matters

●  The role of building a strong advisory team to support your goals

If you enjoy this conversation, please double check that you’ve liked the video and subscribed to the channel! That's a small way you can help us carry on doing this, really appreciate you!

Email us at [email protected] or schedule a meeting with a BAM Advisor https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

 Like and Subscribe for More Content on Financial Confidence

Your support helps us reach more people and provide more value!  Don’t forget to comment if you have any questions or want to share your own experience with retirement planning.

 Helpful Links:

 Additional episode: https://youtu.be/YeGSZER1Znw

 Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

Are you nearing retirement with $500K, $1M, or more in your IRA or 401(k)? Then it’s time to ask: Are you prepared for the taxes that come with it?

In this episode of the Financial Leadership Podcast, David Afraimi, CEO and Co-Founder of BAM Advisory Group, walks through a hypothetical example of how intentional, proactive tax planning could potentially reduce a household's lifetime tax burden by as much as $100,000—and create greater flexibility for future generations.

What You’ll Learn:

●  Why RMDs (Required Minimum Distributions) may push you into a higher tax bracket

●  How current tax laws may impact future distributions

●  The potential risks of tax deferral and the importance of timing

●  What the widow’s tax penalty is—and how to plan for it

●  How a proactive approach could potentially enhance your financial legacy

Whether you're already retired or planning ahead, this episode will help you understand why tax strategy isn’t just a financial tool—it’s a long-term planning necessity.

If you enjoy this conversation, please double check that you’ve liked the video and subscribed to the channel! That's a small way you can help us carry on doing this, really appreciate you!

Email us at [email protected] or schedule a meeting with a BAM Advisor https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

Like and Subscribe for More Content on Financial Confidence

Your support helps us reach more people and provide more value!  Don’t forget to comment if you have any questions or want to share your own experience with retirement planning.

 Helpful Links:

 Additional episode: https://youtu.be/YeGSZER1Znw

 Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations)

You saved $1 million for retirement… but is it enough?

In this episode of the Financial Leadership Podcast, David Afraimi, CEO and Co-Founder of BAM Advisory Group, walks through a hypothetical case study of a couple approaching retirement with $1.25 million—and potentially facing a serious income gap.

Many pre-retirees assume that hitting a savings milestone is the finish line. But without a defined income strategy and proper risk mitigation, you could face unsustainable withdrawal rates, market volatility, and the risk of outliving your assets.

In this episode, you’ll learn:

• Why withdrawal rate often matters more than your balance
• How market downturns at retirement can affect a plan
• The role of structured income buckets in retirement
• How to build a more predictable and reliable retirement income plan
• Why surrounding yourself with honest financial leadership is crucial

If you enjoy this conversation, please double check that you’ve liked the video and subscribed to the channel!

That's a small way you can help us carry on doing this, really appreciate you!

Email us at [email protected] or schedule a meeting with a BAM Advisor https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

Like and Subscribe for More Content on Financial Confidence

Your support helps us reach more people and provide more value!

Don’t forget to comment if you have any questions or want to share your own experience with retirement planning.

Helpful Links:

Additional episode: https://youtu.be/YeGSZER1Znw

Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

#FinancialAdvisor #FinancialPlanning #RetirementPlanning #InvestmentPlanning #ThreeBucketStrategy #RetirementIncome #BAMAdvisoryGroup #WarrenBuffett

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

Nearly half of today’s retirees pay federal income taxes on their Social Security benefits. But with talks of potential policy changes and headlines suggesting possible tax eliminations, many are left wondering: What’s next for Social Security—and how do I plan around it?

In this episode of The Financial Leadership Podcast, host David Afraimi (CEO of BAM Advisory Group) unpacks the history, current taxation, and future risks tied to Social Security benefits. More importantly, he shares strategies for high-net-worth individuals to help mitigate taxes and structure distributions in a more efficient way.

What You’ll Learn:

• Why Social Security was never intended to be a primary income source

• How taxation on up to 85% of benefits affects your retirement plan

• What provisional income is and how it’s calculated

• The potential fiscal impact of eliminating Social Security taxes

• Smart strategies for tax-efficient withdrawals and income sequencing

• How to make unemotional, long-term decisions—despite media noise

Source: https://bit.ly/43FiPzz

If you enjoy this conversation, please double check that you’ve liked the video and subscribed to the channel! That's a small way you can help us carry on doing this, really appreciate you!

Email us at [email protected] or schedule a meeting with a BAM Advisor https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

Like and Subscribe for More Content on Financial Confidence

Your support helps us reach more people and provide more value!  Don’t forget to comment if you have any questions or want to share your own experience with retirement planning.

Helpful Links:

Additional episode: https://youtu.be/YeGSZER1Znw

Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

#FinancialAdvisor #FinancialPlanning #RetirementPlanning #InvestmentPlanning #ThreeBucketStrategy #RetirementIncome #BAMAdvisoryGroup #WarrenBuffett 

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

In this episode of The Financial Leadership Podcast, we sit down with Eliot Marshall—former UFC fighter, black belt in Brazilian Jiu-Jitsu, TEDx speaker, entrepreneur, author, and leadership coach—to talk about what it really takes to lead in life, in business, and at home.

From scaling one of the most successful martial arts academies in the U.S. to mentoring young athletes and raising a family, Eliot shares powerful lessons on discipline, emotional intelligence, and legacy that go far beyond sports or finance.

In this conversation, we cover:

• How discipline creates freedom in business and personal life

• Lessons from the octagon and how they apply to entrepreneurship

• How to lead your team through uncertainty

• The mindset behind high-performance parenting and coaching

• Building a values-driven culture that lasts

• Why vulnerability, communication, and adaptability are key to long-term success

The award for the Best of Mile High Financial Planning firm across the Denver metro area is designated by The Best of Mile High Magazine, awarded in 2025. The Best of Mile High Financial Planning firm is chosen by public votes. BAM Advisory Group does not pay a fee to receive the award. Working with a Financial Planner recipient is no guarantee as to future investment success, nor is there any guarantee that the selected financial planning firms will be awarded this accomplishment in the future.

If you enjoy this conversation, please double check that you’ve liked the video and subscribed to the channel! That's a small way you can help us carry on doing this, really appreciate you!

Email us at [email protected] or schedule a meeting with a BAM Advisor https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

Like and Subscribe for More Content on Financial Confidence

Your support helps us reach more people and provide more value!  Don’t forget to comment if you have any questions or want to share your own experience with retirement planning.

Helpful Links:

Additional episode: https://youtu.be/YeGSZER1Znw

Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-05

#FinancialAdvisor #FinancialPlanning #RetirementPlanning #InvestmentPlanning #ThreeBucketStrategy #RetirementIncome #BAMAdvisoryGroup #WarrenBuffett 

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

Can you really generate substantial retirement income and pay minimal federal taxes? In this episode of the Financial Leadership Podcast, David Afraimi, CEO of BAM Advisory Group, breaks down how strategic tax planning—not gimmicks—can help reduce lifetime tax liabilities and protect your retirement income.

In This Episode:

● How the U.S. debt landscape could impact future tax rates

● The difference between tax preparation and tax mitigation

● Common mistakes retirees make with IRA distributions

● When Roth conversions might make sense—and when they don’t

● The importance of coordinating Social Security, RMDs, and investment income

● A case study showing the potential for a near six-figure income plan with less than 1% effective federal tax

Learn why timing, coordination, and personalized planning are crucial to maintaining flexibility and keeping more of your wealth over time. This episode emphasizes the use of the tax code—not avoidance—to help manage risk and optimize your retirement strategy.

Whether you're five years from retirement or already there, the window for impactful planning may still be open.

If you enjoy this conversation, please double check that you’ve liked the video and subscribed to the channel! That's a small way you can help us carry on doing this, really appreciate you!

Email us at [email protected] or schedule a meeting with a BAM Advisor https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-01

Like and Subscribe for More Content on Financial Confidence

Your support helps us reach more people and provide more value! Don’t forget to comment if you have any questions or want to share your own experience with retirement planning.

Helpful Links:

Additional episode: https://youtu.be/JALzFyrBL-k

Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-01

Our Bam Advisory Seminar Book: https://online.fliphtml5.com/refcp/zqko/#p=24

#FinancialPlanning #RetirementPlanning #InvestmentPlanning #ThreeBucketStrategy #RetirementIncome #BAMAdvisoryGroup #WarrenBuffett 

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

In this episode of the Financial Leadership Podcast, host David Afraimi, CEO of BAM Advisory Group, breaks down the rising conversation around tariffs and what they really mean for retirees and those approaching retirement.

We explore:

• What a tariff actually is and how it functions

• The potential ripple effects of a 10%–60% tariff policy

• How tariffs can affect consumer prices, investment accounts, and fixed income planning

• The impact on essential spending areas like healthcare, food, transportation, and housing

• Practical steps retirees can take today to safeguard income and spending power in an inflationary environment

• The importance of having a plan built for flexibility—not panic

David shares how retirees can adjust their income strategy without making emotional financial decisions, using a diversified “three-bucket approach.” We also discuss how rising costs might influence Federal Reserve policy and long-term interest rates.

If you enjoy this conversation, please double check that you’ve liked the video and subscribed to the channel! That's a small way you can help us carry on doing this, really appreciate you!

Email us at [email protected] or schedule a meeting with a BAM Advisor https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-01

Like and Subscribe for More Content on Financial Confidence

Your support helps us reach more people and provide more value! Don’t forget to comment if you have any questions or want to share your own experience with retirement planning.

Helpful Links:

Additional episode: https://youtu.be/JALzFyrBL-k

Contact us for a budget, income, and tax analysis: https://calendly.com/initial-phone-callrr/initial-phone-call?month=2025-01

Our Bam Advisory Seminar Book: https://online.fliphtml5.com/refcp/zqko/#p=24

#FinancialPlanning #RetirementPlanning #InvestmentPlanning #ThreeBucketStrategy #RetirementIncome #BAMAdvisoryGroup #WarrenBuffett 

Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. CreativeOne Wealth, LLC and BAM Advisory Group are unaffiliated entities. Licensed Insurance Professionals. We are not affiliated with any government agency, and do not provide tax or legal advice or services. This material is provided for educational purposes only and should not be construed as advice or a recommendation. Always consult with qualified financial, tax and legal advisors. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).