Not Your Average Financial Podcast™

Think different about your money, your economy and your future. Be curious. Be stable. Be sane.

Episode 118: How to Triple Your Net Worth Building Real Wealth with Dan Proskauer and Alan Eckstrand

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In this episode, we ask:

  • Who is Dan Proskauer?
  • How did Dan triple his net worth?
  • How long has it taken Dan to triple his net worth?
  • How many years has Dan been keeping up with his net worth in Quicken?
  • What was the first thing that Dan did with his policy?
  • How many Bank on Yourself type policies does Dan own?
  • How did Dan restructure his money?
  • What can you do if you have enough money?
  • Do you need to take the risk?
  • How has having a policy helped Dan invest wisely?
  • How has Dan been able to take advantage of opportunities?
  • What did Dan do with his profits?
  • What is so special about the paid up additions rider?
  • Why did Dan switch from paying premiums monthly to annually?
  • How does Dan carry debt?
  • How does Dan “blow up the balloon”?
  • How has Dan leveraged a HELOC?
  • How will one’s net worth be impacted over time?
  • How many of Dan’s kids are in school?
  • How has Dan built real wealth?
  • Is Dan special?
  • Do all Bank on Yourself type policy holders have a chart like this?
  • Would you like to see the chart?
  • Is Bank on Yourself a scam? Leave us a voice message with your thoughts and questions on speak pipe! 

Dan Proskauer is Vice President of Engineering United Health Group’s Optum unit and has spent nearly 30 years as a professional in the Semiconductor and Health Care industries.

He is an engineer by personality and by training and has always been fascinated by details and numbers. Dan has been a Bank on Yourself practitioner since mid-2009 and has started new policies as recently as last year.

Special thanks to Jeff Hochwalt (jeff@financialrp.com) and Alan Eckstrand (alan@thefinancefixer.com) for joining us on this episode!

 

 

 

 

Episode 117: The Billionaire’s Secret – Is Giving The Key to Wealth?

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In this episode, we ask:

  • Is it better to give than to receive?
  • What drives us to help others?
  • Are we hard wired to be selfish?
  • Why do we take care of the most vulnerable?
  • How might we cooperate?
  • Are we only out for survival?
  • Why does it feel so good to help other people?
  • What happens to our brains when giving?
  • How does generosity affect our biology?
  • What is the basis for the joy of giving?
  • Are the wealthy full of wealth because they give?
  • What about the Bill and Melinda Gates Foundation?
  • How much have they donated?
  • How much have they donated this year?
  • How has Bill Gates’ personal net worth changed?
  • Does giving increase your wealth?
  • Do people give more when they earn more?
  • Does giving lead to an increase in wealth?
  • What is the connection between giving and wealth?
  • What is a charitable impulse?
  • What is the psychology of giving?
  • Does giving increase your happiness?
  • What about dopamine?
  • What strategies might relieve the stress of the holidays?
  • How can you increase happiness?
  • How might you increase productivity?
  • Will the next million matter as much?
  • What is the mental shift?
  • How might you build more wealth for others?
  • What lights the fire under you?
  • Are you chasing your net worth as a main target?
  • How will serving others help you toward your target?
  • How might your network increase?
  • How might your net worth increase?
  • How might you reach your potential?
  • How might you donate time?
  • How might you donate skills?
  • Would you like to give us a minute or two of your time and tell us how we’ve impacted you? Leave us a message here: www.speakpipe.com/nyafp
  • Would you like to GIVE us a review on iTunes?
  • Do you know how grateful we are for you?

Episode 116: Your Journey of Financial Independence

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In this episode, we ask:

  • Are you so thankful for Holly?
  • Have you seen Pamela Yellen’s new book, Rescue Your Retirement?
  • If you leave us a review on iTunes and send a screenshot of your review to hello@nyafinancialpodcast.com, we’ll send you a copy of the book for free! (December 31, 2019 is the deadline for this offer)
  • Do you find your self wrapped up in a compelling story?
  • Who are the characters?
  • What part do you play in your financial journey?
  • Are you a hero on a journey?
  • Would you like to call us? 1-800-962-9141
  • Would you like to hop on our calendar?
  • Do you have a big enough WHY?
  • Are your expenses less than your income?
  • Do you need to reduce your expenses?
  • Do you need to increase your income?
  • Have you heard Episode 19, The Four Rules of Budgeting?
  • Have you heard Episode 63, Black Friday Ninjas?
  • What (who) is your greatest asset?
  • How can you develop yourself?
  • Have you heard Episode 47, Invest in Yourself?
  • Have you heard Episode 69, New Goals and How to Succeed?
  • Are you able to perceive what a better self looks like?
  • What is your greatest challenge you’re facing?
  • What have you tried in the past?
  • What are going to do next?
  • By when?
  • What about pouring money into liquid assets?
  • Have you heard Episode 15, Unlocking Cash?
  • Have you heard Episode 48, …How Much Do I Need To Save?
  • Do you invest in things you understand and control?
  • Do you have way to much cash right now?
  • How much opportunity do you want in your life?
  • How might you get ahead?
  • How might you create multiple streams of passive income?
  • Have you heard Episode 76, 16 Streams of Passive Income?
  • Can you guide another person?
  • Will you teach your tribe?
  • What about transferring to the next generation?
  • Are you the only character in your story?
  • How many pages do you have left to go in your story?
  • Would you like to talk with Mark for 15 minutes?

 

Episode 115: When Should I Take My Social Security? with Brian Minier

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**CORRECTION – in the episode we state that 85% of your benefit is taxed.  To clarify, 85% of your Social Security can be exposed to taxation at whatever your tax rate is.
For example if your Social Security monthly benefit is $1000/mo, $850/mo of that would be exposed to your tax rate, (which might be 20% for example.)**

In this episode, we ask:

  • Do you have a 401(k)? Do you have an IRA? Do you have a Bank on Yourself type whole life insurance policy?
  • Who is Brian Minier?
  • What is customized Social Security planning?
  • Are you walking away from benefits?
  • Are you allowing your credits to accrue?
  • Are you eligible to take a spousal benefit?
  • Is Social Security secure?
  • What is the reality of the Social Security benefit system?
  • Have you read the Social Security statements?
  • What is the history of Social Security?
  • What was the life expectancy when Social Security started?
  • At what age did the Social Security pay?
  • What are the issues?
  • What is happening with the baby boomers?
  • What is the decline in worker to beneficiary ratio?
  • How many people are taking the benefits?
  • What can politicians do?
  • How long can you delay benefit?
  • What are reduced cost living adjustments?
  • What makes Social Security complex?
  • What are the 561 different calculations to consider?
  • Should you always take Social Security early?
  • Should you wait until age 70 to take benefits?
  • What are the factors to consider?
  • Are you married?
  • Are you receiving a pension?
  • What should the benefit be?
  • When should I take the benefit?
  • How do you qualify for Social Security?
  • How long do you need to work to collect Social Security?
  • How do you receive a spousal benefit?
  • How do you know if Social Security has calculated your statement accurately?
  • How do you know what you’re going to receive in benefits?
  • Where can you go to view your current benefits?
  • Can you view your future benefits, even if you’re young?
  • Have you visited ssa.gov?
  • Why is maximizing Social Security so important?
  • Why is looking at the big picture of a couple so important?
  • What factors influence the timing?
  • Have you been diagnosed with a terminal illness?
  • Are you married and did your spouse work?
  • Are you married and you have a child who is less than 18 years of age?
  • What is the most thing that most people never consider?
  • What about survivorship?
  • Who usually dies first?
  • How to plan for a surviving spouse?
  • What’s the best way to put Social Security to use?
  • How is Social Security taxed?
  • What is provisional income?
  • What types of income are not listed as provisional income?
  • What are some of the things you can do?
  • Can converting to a Roth IRA help?
  • How might using a life insurance vehicle help?
  • What are the taxes due on Social Security?
  • How might you lower your provisional income?
  • What happens if you make more than $44,000 joint income annually?
  • How much will the government tax your Social Security benefit?
  • What nuances would affect your benefit amount?
  • Why is distribution planning important?
  • Why should Social Security and retirement planning be a combined effort?
  • Do you know someone who understands the benefits of Social Security?
  • Where might you learn more?
  • Do you have a question on Social Security?
  • Are you age 62 or older?
  • Would you like to see what’s possible in your situation?

Brian Minier is a Certified Financial Fiduciary® with over 10 years of experience in the insurance and financial service industry. He has an MBA from Malone University and a Bachelor of Science in Marketing from the University of Akron. Brian is a Certified Bank on Yourself Advisor and assists his clients with many areas of retirement planning and investments.

He specializes in helping seniors plan for retirement and develop smart Social Security strategies, and also provides financial advice and guidance to help individuals weather both good and bad financial markets.

Brian’s particular expertise lies in customized Social Security planning, designing personalized retirement plans to help his clients achieve their individual retirement goals, and income and distribution planning – an area which Brian feels is too often neglected by most traditional advisors.

Brian lives in New Albany with his wife and two children, and is active in his church and community. In his spare time, he enjoys spending time with his family, participating in missions work, and working out.

You can reach Brian Minier at Keystone Financial, by calling 614-300-9501.

Episode 114: The 8 Rules for Bank on Yourself® with Jim Conrad

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In this episode, we ask:

  • Who is Jim Conrad?
  • Would you like a FREE copy of Pamela Yellen’s new book, Rescue Your Retirement?
  • Send us a screenshot of your new iTunes review to hello@nyafinancialpodcast.com, and we’ll send you a copy of the book!
  • What can you do with a dollar?
  • What are the 8 rules for Bank on Yourself® type Whole Life policy?
    • 1. A Bank on Yourself® type Whole Life policy gets better every year, and there is nothing you can do about it.
    • 2. There is no such thing as paying too much premium.
    • 3. Pay as much premium as you can, for as long as you can.
    • 4. Always use your own capital… did I say always?
    • 5. Never save up money in somebody else’s bank.
    • 6. Pay back your policy loans in a reasonable amount of time.
    • 7. Favor paying premium over paying back loans quickly.
    • 8. If you bank on yourself, you can forget about interest rates and rate of return.
  •  Have you heard Episode 6?
  • Does something becoming more efficient every year violate the laws of physics?
  • Do you know anything else that gets better every year?
  • Is there such a thing as paying as paying too much premium?
  • Would you like to watch Jim’s Dollar Diagram video?
  • How many policies does Jim own?
  • How can you make major purchases over and over again?
  • Why would you want to put money into a risk investment?
  • Why is this so powerful?
  • What is the math on PUA premium growth from age 21?
  • Should you do this if you’re younger?
  • How is Jim living proof that it works?
  • How long can you keep paying premium?
  • Why is paying premium a privilege?
  • Why wouldn’t you want to keep putting money into that money machine?
  • Isn’t the look of a curve beautiful?
  • If you have a money machine in your living room, and you put one dollar in and four dollars come out, how many dollars would you put in the money machine?
  • Why should I borrow against my own policy if I can get a lower interest rate a credit union?
  • What is the flaw in this thinking?
  • Can you enrich yourself and the bankers?
  • How might you enrich yourself?
  • Why would you like to build up the wealth of others, when you can build your own wealth?
  • Are you in the habit of keeping tens of thousands in the closet?
  • Do you own a properly structured Bank on Yourself® type Whole Life policy?
  • Why would you want to enrich those who profit from fractional reserve banking?
  • How might you pay back your policy loans in a reasonable period of time?
  • What is a reasonable period of time?
  • How does one determine what is reasonable?
  • Why do people pay off loans quickly?
  • Can you afford to buy that thing?
  • Are you “stealing the peas”? (As Nelson Nash would say…)
  • Can you favor paying premium over paying back loans quickly?
  • How much of your available cash flow should be used for paying back loans?
  • How much of your available cash flow should be used for premium?
  • Should you put your dollar into PUAs or toward a policy loan?
  • Should you always favor paying premium?
  • What happens when you’re no longer earning active income?
  • Should you pay off your loans before retirement?
  • How have we been trained?
  • How can you think differently than the way the rest of the world thinks?
  • What? Jim? Did I hear you right?
  • Shouldn’t you get the lowest interest rate you can get?
  • Where will your death benefit go?
  • What is the rate of return on guaranteed growth over unknown growth?
  • What about interest rates?
  • Are higher interest rates great?
  • How does the volume of interest go down over the growth of the loan?
  • What about dividends?
  • What has to happen for Jim to throw a party?
  • Would you like to watch Jim’s Dollar Diagram video?
  • Would you like to talk with Jim? Email him at jim@conradfinancial.us
  • What did you take away from today’s episode?

Jim Conrad, the President of Conrad Financial Services, resides with his wife, Deb, in Concord, North Carolina.  Jim started working for his clients in financial services 20 years ago, after a 25-year career in management with a Fortune Top 10 company.  He grew up in the Chicago suburbs, and he hold a B.S. in chemical engineering from Purdue University and an MBA from Lewis University.

Jim has been a Bank On Yourself Authorized Advisor for the past 13 years.  His passion is  helping people achieve financial peace of mind by owning a strategy they can count on for life.

Episode 113: Nightmare Scenarios with Amanda Neely

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In this episode, we ask:

  • Do you ever spin out into the “WHAT IF…” conversations?
  • What happens to Bank on Yourself type policies when the world ends?
  • Is it the end of the world as we know it?
  • Would you like Pamela Yellen’s latest book, Rescue Your Retirement?
  • Would you like to write us a review on iTunes and email us a screen shot at hello@nyafinancialpodcast.com? If you do, we’ll send you Pamela Yellen’s newest book for FREE.
  • Schedule an Appointment with Us
  • How has Amanda Neely been a prepper?
  • What are the nightmare scenerios?
  • What happens in a zombie apocalypse?
  • Do you have water?
  • Do you have food?
  • What is more reasonable?
  • Are we living in a dreamworld economy?
  • What if Wall Street just crashed?
  • What if Wall Street dropped by 50% (like it has twice in the last decade)?
  • What happened in the great depression?
  • How did life insurance policy owners fare in the great depression?
  • What about stagflation?
  • Who had the liquid pools of cash?
  • Who received increases?
  • What about the market crashes of the 90s?
  • What about volatility?
  • What about the rings of a tree?
  • What about volume?
  • What about consistent, compounding of the dollar?
  • What about liquidity?
  • What if there was a run on the bank?
  • What if banks are closed?
  • How would you get money out of a policy if you can’t access a regular bank?
  • What about macro economic nightmares?
  • What about a decline in the dollar?
  • What happens to the value of a policy?
  • What happened in the last decline of the dollar?
  • How do things cycle?
  • What if the dollar gets replaced?
  • What did life insurance companies use before the U.S. dollar?
  • What is the legal tender where the contract is domicile?
  • What about a major bout of hyperinflation or deflation?
  • Why is inflation a problem?
  • What about massive lay offs?
  • What about changes in demographics?
  • Do you have flexibility with your premium?
  • What are the exit strategies?
  • Can you reduce your premium?
  • Can you stop the premium?
  • Is winter coming?
  • What about having fewer resources than your parents?
  • What about hyperinflation?
  • What happens to a policy in wild crazy inflation?
  • How does hyperinflation affect your income?
  • Who sets the federal interest rate?
  • What about paying the national debt with a higher interest rate?
  • What happens if the rates go high?
  • What about squatter’s rights?
  • What happens if contract law falls away?
  • What about the resources of a life insurance company?
  • What about gold? Would you like to view a historical gold chart?
  • What about social security and medicare?
  • How can you reach out to Amanda Neely?
  • Have you visited grandmaswealthwisdom.com?
  • Will the life insurance companies be the last domino to fall?

 

Episode 112: Six Spooky Goblins In Your Money

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In this episode, we ask:

  • Would you like a copy of Pamela Yellen’s latest book?
    Schedule a Meeting with us!
  • What special announcement does Holly have to share?
  • Would you like more treats and less tricks?
  • What is the first goblin?
  • What does $135K in retirement accounts lead to in income?
  • Can you live on $600 a month?
  • What is leaving your wallet?
  • What is your volume of saving?
  • How is rate of return different from volume of saving?
  • What if you saved 10%? What if you save 30%?
  • Have you heard Episode 106?
  • Have you heard Episode 48?
  • What is goblin number two?
  • What are the out of pocket medical costs?
  • Will you have health care costs coming up in retirement?
  • Do you have half a million dollars ready for medical expenses?
  • Are you between 45 and 65 years old?
  • How much do you have set aside for healthcare in retirement?
  • Who has 1.4 million saved for retirement?
  • For retirement, do you have an income bucket?
  • For retirement, do you have a healthcare bucket?
  • What is goblin number three?
  • How much will you owe the I.R.S.?
  • How much is THEIRS?
  • Do you owe taxes on tax-postponed (a.k.a. tax-deferred) accounts?
  • How much do imagine you will be able to take in income on these accounts?
  • Are you confident in your pre-tax income?
  • Does anyone know what your tax bracket will be in the future?
  • Has congress got around to voting on how much they will charge in taxes when you’re in retirement?
  • What is goblin number four?
  • What about Social Security benefits?
  • Will Social Security be part of your income?
  • Is your purchasing power shriveling up?
  • Do you depend on Social Security?
  • What is goblin number five?
  • What about equity mutual funds?
  • Who beats inflation?
  • Does the stock market do an average double-digit return?
  • Who knows what’s happening in the market?
  • Who’s beating inflation?
  • What’s happening now?
  • Who is behind the market?
  • How do reactionary impulses affect the market?
  • What about goblin number six?
  • Do you have a 50/50 chance of running out of money in retirement?
  • Do you follow the 4% withdrawal rule in retirement?
  • What does this mean?
  • How does this impact our financial lives?
  • What can we actually take away with this?
  • How might we fight back against our fears?
  • Will you prioritize your own capital?
  • When will you start saving?
  • Did you go trick or treat in packs or groups?
  • When did you last review your account fees?
  • Do you believe you know all of the fees?
  • What are your 401(k) fees?
  • Have you looked at the FINRA fund analyzer?
  • Would a single visit to the doctor ruin your financial life?
  • Would you like to call us at 1-800-962-9141?
  • Do you have a flashlight?
  • What kind of contracts can help you get through the end of the corn maze  of life?

Episode 111: Should I Do a Bank On Yourself® type Whole Life Insurance Policy or a Roth IRA?

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In this episode, we ask:

  • What has Amanda learned as a sample of one?
  • Who are Brandon and Amanda Neely?
  • What is Mark’s relationship with Brandon and Amanda?
  • If we did something different, what would the results be?
  • Would you like to follow along with the numbers? (See tables below)
  • Would you like to watch this in video?
  • What are Amanda’s numbers?
  • Are agent commissions too high?
  • What would the assets under management fee be?
  • What would the term insurance commission be?
  • What happened in 2008?
  • How much more would the investment advisor make?
  • Why is there a Wolf of Wall Street but no “wolf of insurance”?
  • What happens if you need or want your money prior to age 59.5?
  • What would your heirs receive when you pass?
  • What taxes would your heirs pay?
  • What are the tax considerations when you start using the money?
  • What happens if you get cancer or some other chronic or terminal illness?
  • What happens if you get sued?
  • What happens if you die too young?
  • What happens if you die too old?
  • What happens if the stock market goes down when you’re 36? How about when you’re 60?
  • Which side has guarantees?
  • Is the amount going in each year flexible?
  • What if you wanted to put in more? Or less?
  • What are the tax consequences now?
  • What are the tax considerations before you’re 59.5?
  • How many life insurance policies does the Neely family own?
  • How does the Neely family use their policies?
  • How can you use these specific policies to more effectively pay taxes?
  • Have you seen the webinar on Episode 84 The Past, Present and Future of Paying Your Taxes?
  • Have you heard Episode 87, How to Get Wealthy While Paying Your Taxes?
  • What income could this 35 yo female expect?
  • What is the life expectancy?
  • What is the difference between the term / Roth IRA and the Life Insurance policy?
  • How much does the fee on the Roth IRA become?
  • What about an older person’s strategy?
  • Have you heard Episode 91, Great Problems, Giant Piles of Cash?
  • How are mutual life insurance companies dealing with the low interest rate environment?
  • How do policy loans at 5% interest affect the insurance company’s performance?
  • When is the increase always greater than cost?
  • Would you like Brandon or Amanda to run this comparison for you with your numbers
  • Schedule a Comparison conversation with Brandon or Amanda



 

Episode 110: [Mythbusters] Wait! Did I Just Pay For This Twice?

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In this episode, we ask:

  • Would you like to leave us a review?
  • Do you experience panic moments?
  • Have you ever felt panic around a policy loan?
  • Have you heard Episode 34?
  • How exactly does a policy work?
  • Would you like to discuss this with us?
  • What happens when you take the first loan out?
  • What about buying a new car with a policy loan?
  • Do you ever ask, “Did I just make a terrible mistake?”
  • Didn’t I pay for the car twice?
  • Is taking a policy loan better than paying cash?
  • Is the loan payment on top of premium?
  • Doesn’t it feel like you’re buying the car all over again?
  • Are you the banker and the borrower at the same time?
  • Why do bankers add capital to a bank?
  • Who comes in the front door of a bank?
  • Why do bankers love it when borrowers pay back loans?
  • Are banks looking for capital?
  • Are you setting up an actual bank?
  • How might you recapture the banking function?
  • What is a reasonable period of time?
  • What is the big idea?
  • What might you use as collateral?
  • What have you been saving for?
  • How does a Home Equity Line of Credit (HELOC) work?
  • How do people use HELOCs to finance education (or other life purchase)?
  • What are the problems with using a HELOC?
  • What are the benefits with a Bank on Yourself type policy?
  • What are the problems with 401(k) loans?
  • What are the benefits with a Bank on Yourself type policy?
  • What does this look like in an example with real numbers?
  • When you take a policy loan, where does it come from?
  • How does the policy continue to grow, even with policy loans?
  • What is a non-direct recognition loan feature?
  • Have you heard Episode 83?
  • Which companies offer non-direct recognition?
  • Does the insurance company charge you interest on a whole life insurance loan?
  • Are you able to skip a payment on a life insurance loan repayment?
  • Is the loan interest simple or compound interest?
  • Could the policy lapse if you take a very large policy loan?
  • How can you manage the policy in a healthy way?
  • What happens when you take money from a savings account?
  • Is there an opportunity cost with a policy loan?
  • When do you have to pay the policy loan off?
  • Do you interrupt the growth of your money when you borrow it?
  • Am I saving enough to have the money to make the purchase I want?
  • How will I make the purchase? Will I pay cash? Will I go into debt? Will I take a policy loan?
  • Have you heard Episode 54 yet?
  • Have you heard Episode 71 yet?
  • Isn’t this twice as nice?

 

Episode 109: How to Become Your Business’ Line of Credit (and Beat your Competition) with Scott Plamondon

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In this episode, we ask:

  • Has your crystal ball come in the mail yet?
  • Do you have a line of credit?
  • Do you have a business collateralized loan?
  • Who is Scott Plamondon?
  • Have you heard the Grandma’s Wealth Wisdom podcast with Brandon and Amanda Neely?
  • When did Scott join the Air Force?
  • When did Scott start as an accountant?
  • When did Scott move to California?
  • Are most business loans rejected?
  • Why do so many businesses fail?
  • How did Scott start working with business owners?
  • What is the client’s story with the line of credit?
  • What’s Brandon and Amanda’s story?
  • How does this client use a Bank on Yourself type whole life insurance policy to create a line of credit for the business?
  • How did Brandon and Amanda use their Bank on Yourself type policy to deal with a flood at their business?
  • How did Brandon and Amanda use their Bank on Yourself type policy to sell their business?
  • What did Scott’s client want?
  • What was the result?
  • How are policy loans more graceful than bank lines of credit?
  • What about when business isn’t great?
  • What about when business is thriving?
  • How does this strategy affect retirement?
  • Who will be the most resilient when the economy turns?
  • How could this client interact with his competitors?
  • Can this client take a break from repaying the loan if his business hits a rough patch?
  • How much control do you have?
  • What is the spiraling cycle?
  • What is a daily interest loan?
  • What about paying excess interest?
  • Why do business owners love to reinvest in their own business?
  • Did Scott get any pushback from other CPAs or accountants?
  • What opportunities have Scott’s clients been able to take up?
  • What’s bigger than a rate of return?
  • What other things should be factored in?
  • How might you take advantage of opportunities?
  • What opportunities emerge from downturns?
  • Are you already in the banking business?
  • Which side of the banker’s table are you sitting on?
  • Who is Nelson Nash? Have you heard Episode 95 and Episode 96?
  • What is the average age of an entrepreneur?
  • What if you never had to depend on banks?
  • What if you do decide you want to start your own business in the future?
  • How can you work with Scott Plamondon?
  • Do you know someone who has been burned by the banks?
  • What percentage of businesses have their loan requests rejected?
  • How many receive a loan?
  • What can the bank do?
  • What happens when a bank calls the loan?
  • Is it about the internal rate of return?
  • Does opportunity seek out those who have liquidity?

For over 28 years Scott Plamondon has been successfully helping people plan for retirement. He uses his accounting and investment background combined with a deep understanding of his client’s financial needs, to offer the best possible strategies.

Scott earned a Bachelor of Science degree in Business Administration from New Hampshire College. He is a Chartered Life Underwriter (CLU) and he has a Personal Financial Planning Certificate (PFP) from the University of California, Irvine. He is fully licensed in life and disability insurance, and annuities.

Scott served in the US Air Force from 1984 to 1987. He is married with two daughters and resides in Mission Viejo, California where he is an active member of the community.