On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss old habits that make for poor investment and retirement planning decisions and compare them to the “new you” in 2025 and give better advice and alternatives to those poor old habits of the past.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

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Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Doug Ray and Garrett Ray open the mailbag and answer listener submitted questions.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

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Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss the issues financial advisors wish others knew.

The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #greensboronc #winstonsalemnc

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Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag to answer listener submitted questions. In particular, they tackle multiple questions about finances during an estate transfer or a divorce.

The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #greensboronc #winstonsalemnc

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Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne lead a discussion with listeners through what sets our financial planning process apart from others. Garrett and Brice cover our company’s mission statement, core values, and general approach to financial planning when we meet new people who are interested in speaking with us.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

_____________________

Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne open the mailbag and answer listener submitted questions.

The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 9:30 on Winston-Salem's WTOB 98.0 AM.

_____________________

Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss why planning for retirement should be a team effort for couples. In addition, they explore common areas of disagreement and agreement and how to handle them successfully.

The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #greensboronc #winstonsalemnc

_____________________

Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Doug Ray and Garrett Ray discuss a report by Congressman Brendan Boyle and the Congressional Budget Office that explores the idea of raising the full retirement age of Social Security from 67 to 69 for those born in 1972 or later.

The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #greensboronc #winstonsalemnc

_____________________

Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne open the mailbag to answer listener submitted questions. In particular, they tackle multiple questions about finances during an estate transfer or a divorce.

The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #greensboronc #winstonsalemnc

_____________________

Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.

On this edition of the Wealth Guardians Radio Show, Doug Ray and Brice Payne talk about why they got into the retirement planning field and discuss the planning process that gets our clients best prepared for retirement.

The Wealth Guardians Radio show is hosted by Doug Ray, Garrett Ray, and Brice Payne and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and each Sunday morning at 8:30 on Winston-Salem's WTOB 98.0 AM. #retirement #clemmonsnc #greensboronc #winstonsalemnc

_____________________

Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.