In this Intangible Balance Sheet Episode, Josh interviews Jim Crump, a health insurance agent and resident of LaGrange, Georgia. Jim shares his background and highlights the importance of family in his life. He mentions that his grandparents instilled important attributes, such as love of country, dedication to duty, and helping others, which he continues to carry forward.

The conversation delves into the influence of Jim's community, centered around church activities, where families looked after each other, creating a strong sense of safety and support. Jim shares some of his guiding principles, which revolve around his faith in God and Jesus Christ. He believes that loving God and one's neighbors is paramount and encompasses all other ethical principles.

Jim shares a life-changing decision he made around 10 years ago when he left corporate America because he felt compelled to manage people in a way that contradicted his principles. This decision led him to pursue self-employment and allowed him to help others while finding fulfillment in his work.

The podcast concludes with Jim's ethical will, emphasizing the importance of leaning on a higher power, living a life to be proud of, and supporting and loving one's family.

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Have you ever wondered why you should question an advisor's low fees or why their actual retirement plan matters to you? An insightful analysis of the financial advice industry awaits you in this episode, as we pull back the curtain and reveal some of the main factors which truly drive quality advice. Are you partnering with or considering partnering with an advisor running a margin or a volume based business? How do you know the difference?  
 
 Instead of viewing your advisory fees as a cost, why not view them as what they actually are: An investment in your future wellbeing.  Feel free to engage with us as we share insights on finding an advisor who's genuinely invested in your success, one offering intimate, curated, and differentiated advice that transcends the present problem set you are facing. Don't just choose an advisor for today’s problem; choose an advisor who truly aligns with your long-term vision for your family.

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This week's Intangible Balance Sheet features David Sawyer! Listen in as David shares some of his family story and how he traces his entrepreneurial DNA to his Grandfather. David also shares his experience in transitioning careers and how his desire to continually learn and grow has served him well. Lastly, David shares his desire is to lead his family and organization with authenticity.  

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Ready for the next installment of the "forbidden question series?" Today, we will cover why you should ask if your advisor still has actively uses their series 7 license. Why you should ask if they receive fees only or a percentage of revenue on commission and from where? What clarifying questions you can ask about fees. And lastly why low fees should trigger you to asking about an advisors succession plan and how many clients they have! Buckle up!  

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In this episode of the Wisdom and Wealth Podcast, host Josh Klooz interviews Heidi Weelborg, an estate planning attorney based in Houston, Texas. Heidi shares her background as an attorney, revealing her journey from being a paralegal to pursuing her dream of becoming a lawyer. She discusses her passion for estate planning and her desire to help families ensure a smooth transition and prevent conflicts during probate.

The conversation also delves into the idea of writing an ethical will, which involves passing down beliefs and values to future generations. Heidi encourages her clients to write personal notes or letters to leave behind for their children, sharing their beliefs and hopes for the future.

The interview concludes with a thought-provoking discussion about legacy and what Heidi hopes to be remembered for. She emphasizes the importance of being responsible, caring, and thoughtful, and the significance of understanding and considering others' perspectives.

Listen in for more valuable insights into estate planning, family legacies, and the intangible values that shape our lives.

Regenerate response

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Have you ever wondered how the deluge of digital information impacts our decision-making and conversations with our wealth advisors? Today I coach you through questions you should be asking your current or future financial advisor. Our increased access to information is only helpful if we know how to utilize it accurately and properly. In today’s episode I cover simple things that are often overlooked, such as: Whose client are you? How many clients does the firm have? What kind of proactive, personalized service will you receive?  Listen in for more! 

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What do you think shapes a person's character more: their ancestry or their experiences? We're inviting you to a heart-warming conversation with our guest, Rhina Granados, who passionately shares how both these aspects have played a crucial role in shaping her. Rhina shares with us about her childhood in El Salvador, paints vivid imagery of her family's migration journey, and the profound influence of her grandmother's teachings on her life. She shares of her journey following Christ and also how her upbringing has cultivated her core values of respect, praise, and worship.

We've all had career transitions, but how many of us have had to adapt to a new culture while doing so? Rhina courageously discusses the challenges she faced in changing careers and adapting to a new culture. Her tale of transition from being a waitress to a new role, overcoming language barriers, and establishing meaningful friendships is not just inspiring but a powerful testament to resilience, faith, and the transformative power of perseverance. We also delve into the importance of restructuring family priorities, maintaining a balance between work and family time, and how we can impart values of faith and family to our future generations. Prepare to be moved and inspired.

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For many financial planners, preperation for elder care can become a merely a numeric exercise. I believe this misses the mark completely on what can be one of the most rewarding and meaningful chapters of a client's intangible balance sheet. 

In this episode Kitty Eisele joins the podcast and shares her personal journey as a caregiver for her elderly father. This conversation shines a light on an often overlooked topic - caregiving. Kitty’s candid experiences give us an inside look into what can be an emotional roller coaster that can come with caring for a loved one. 

Kitty’s journey guides us through practical solutions she found along her path. From finding geriatric care managers to negotiating the maze of healthcare for aging parents, she gives us a roadmap based on her own trials. Alongside these bigger tasks, she reminds us of the small gestures that can make a world of difference in the lives of the elderly, whether it's setting up social activities or arranging transportation to suit their needs. If you're a caregiver now, or see yourself stepping into those shoes in the future, Kitty’s nuggets of wisdom, backed by her lived experiences, are an invaluable guide.

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In this Intangible Balance Sheet Episode of the Wisdom and Wealth podcast, host Josh Klooz interviews Dave Malenfant, who shares his experiences and insights about life, family, and the importance of intangible values. Dave reflects on the stories passed down from his grandparents and parents, emphasizing the resilience, work ethic, and family values he learned from them. He discusses the significance of trust, integrity, and building strong relationships in both personal and professional settings. Dave also highlights the lessons he gained from his career, including the importance of ethical leadership, treating people with respect, and maintaining a positive attitude. The episode concludes with a discussion about the principles Dave would include in his ethical will, emphasizing the need for clear definitions of ethics, the avoidance of compromise, and the importance of understanding and valuing people.

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Ever wondered how to navigate the complexities of net unrealized appreciation (NUA) and its role in your company plan? Well, this episode is for you. In this episode,  I break down the details of NUA, its tax advantages, qualifications, and its place in your employee-sponsored plan. I'll also be shedding light on the potential risks and how over-centralization of one position inside a plan can sometimes be a nasty surprise.

If you still have lingering doubts or wish to discuss your individual situations, don't hesitate to reach out. Let's together make the most of your company stock plans.

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