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

December 6, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_118.mp3

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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!

 

 

 

 

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_118.mp3

Episode 107: Adventures in Financial Planning with Tim Austin, Part 2

September 20, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_107.mp3

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In this episode, we ask:

  • What are the four categories?
  • Have you taken an inventory of your life?
  • What are the potential places to improve?
  • Are you taking advantage of all opportunities in tax savings?
  • What can you do to control your cash flow on a monthly basis toward how you’re paying off debt?
  • Can you consolidate debt?
  • How can you shift that to savings?
  • What can we do to create financial independence in our lifestyle?
  • Are you inappropriately putting too much money in risk assets that aren’t really serving you well?
  • What are the steps?
  • How might you take inventory of your current allocations?
  • How might you accept where you are?
  • How might you take small baby steps?
  • What does one percent daily improvement do over the course of a year?
  • Does saving in a whole life insurance products mean sacrificing returns?
  • What does the word risk mean?
  • What do markets do?
  • Are we in a boom right now?
  • When was the last bust?
  • Do you invest when the market is low?
  • What happened in 2005?
  • Why do we buy high?
  • How has Tim’s net worth reached a new high every single day?
  • What did Tim do with his brother?
  • What is a buy-sell policy?
  • What did Tim do in 2019?
  • What advantages does Tim have?
  • When did speculation start to take hold in our culture?
  • What were the rich people doing in the 60s?
  • Do you have a realistic expectation of the 401(k)?
  • Will the market do the 12% every year?
  • Is your home your best asset?
  • Is your home paid off?
  • Do we need to live in bigger homes?
  • Should we buy lattes four times a week?
  • Why does Tim pay a trainer four times a week?
  • Who can help you?

 

Tim Austin is President and Founder of SET for Advisors, a leading training organization for financial advisors who want to help their clients grow wealth predictably and without taking unnecessary risk.

He is also the co-founder and director of the Bank On Yourself authorized advisor whole life insurance concept along with best-selling author Pamela Yellen who wrote the book Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future.

Bank On Yourself is a major best seller, hitting #1 on the USA Today and Amazon best-seller lists, and is also a New York Times, Wall Street Journal and Publishers Weekly #1 best seller.Tim makes his home in Clarkston, Michigan with his wife and three children.  Tim likes to test the limits of his physical ability and mental toughness participating in Half Iron Man Triathlons and marathons.

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_107.mp3

Episode 106: Adventures in Financial Planning with Tim Austin, Part 1

September 13, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_106.mp3

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In this episode, we ask:

  • Who is Tim Austin?
  • When did Tim start learning about money?
  • When did Tim become a financial advisor?
  • What did Tim learn from his dad?
  • What did Tim learn from his grandmother?
  • What did Tim have to tell his grandmother?
  • What is the 10/10/10 rule?
  • What are orphan clients?
  • What did the orphan clients teach Tim about life insurance?
  • How did the orphan clients save money?
  • What are your liquid assets?
  • Are you living within your means?
  • What is financial independence?
  • How much are Americans saving today?
  • What is the difference between an asset and a liability?
  • What if someone can’t save 30% of their income?
  • What is the average debt ratio today?
  • What kind of debt?
  • What about an inventory?
  • Can you accept where you’re at?
  • Can you start making small, incremental improvements?
  • Where are all of the dollars going?
  • How many dollars are going to taxes?
  • How many dollars are going to debt?
  • Are you sacrificing your rate of return?
  • What will Tim share in next week’s Part 2 episode?
  • What are Mark and Holly’s takeaways?

 

Tim Austin is President and Founder of SET for Advisors, a leading training organization for financial advisors who want to help their clients grow wealth predictably and without taking unnecessary risk.

He is also the co-founder and director of the Bank On Yourself authorized advisor whole life insurance concept along with best-selling author Pamela Yellen who wrote the book Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future.

Bank On Yourself is a major best seller, hitting #1 on the USA Today and Amazon best-seller lists, and is also a New York Times, Wall Street Journal and Publishers Weekly #1 best seller.Tim makes his home in Clarkston, Michigan with his wife and three children.  Tim likes to test the limits of his physical ability and mental toughness participating in Half Iron Man Triathlons and marathons.

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_106.mp3

Episode 105: Your Family Is Your Greatest Asset, Part 2

September 6, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_105.mp3

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In this episode, we ask:

  • Would you like to join us LIVE on Saturday, September 7, 2019 at 1PM-2PM Central Time? Register Now!
  • Do most Americans have savings?
  • Have you heard Episode 84?
  • What is the government going to do with the national debt?
  • What mostly interests most financial planners?
  • Where can you put money?
  • Do yo have to be stuck with fees?
  • What do you think about bank fees?
  • What about taxable accounts?
  • What products are designed to extract wealth from your pocket?
  • What is the common advice to most financial problems?
  • What did Einstein say?
  • What is the solution?
  • How can you change the approach?
  • How does one build a financial plan leading to poverty?
  • Are you passing on the same financial mindset to your kids?
  • Have you seen the video of the jar of fleas?
  • What’s a new mindset?
  • Where is the success in a certain financial product?
  • Do you need to invest in stocks, bonds and mutual funds?
  • Are you smart enough to manage your own financial future?
  • What are the four most dangerous word in your financial life?
  • Are you part of a loving family?
  • Are your parents still alive?
  • What if we worked together, with our families?
  • What if we worked with our aging parents?
  • What if siblings worked together?
  • What about paying for long term care insurance?
  • Does the 401(k) offer long term care insurance?
  • Do you have financial guarantees in place?
  • What is the family asset concept?
  • Would you like a book? Email us at hello@nyafinancialpodcast.com, ask for the book, and we will send you a copy.
  • What’s an example?
  • Are there investment fees on a whole life insurance policy?
  • Does market volatility affect a 401(k)?
  • What is life insurance designed for?
  • How much will a healthy couple need in retirement and for long term care?
  • What can the owner do with the cash value in a policy?
  • What restrictions are there?
  • What ways can you leverage your unique situation?
  • Would you like to see your own numbers? Book A Meeting
  • Example chart:

 

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https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_105.mp3

Episode 104: The Family is Your Greatest Asset, Part 1

August 30, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_104.mp3

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In this episode, we ask:

  • Would you like to join us LIVE on Saturday, September 7, 2019 at 1PM-2PM Central Time? Register Now!
  • Is it best to Buy Term and Invest the Rest?
  • Would you like to fill out our feedback survey?
  • What is the greatest asset in your portfolio?
  • How has your family structure changed over the years?
  • Did you inherent your family business?
  • Has the business of family mostly disappeared?
  • Do we have a connection with our past?
  • Will your family have a guaranteed legacy?
  • Do you plan with your family?
  • What do rich families do that others don’t do?
  • How do you invest in your family?
  • What are the rules for the family asset concept?
  • How can you use the least amount of money to create the greatest amount of wealth?
  • Can you guarantee that wealth will occur and that it will transfer to the family tax free?
  • Do you think like a rich person?
  • Do you think like a poor person?
  • Would you like to create wealth for your family if you didn’t have to spend one more dime than you are spending right now?
  • How might you realign your assets to create more control over your money?
  • What is true wealth?
  • What about control in business?
  • Do you know it’s a great investment?
  • What about control in stock?
  • What about control in family business?
  • What are the elements that affect legacies?
  • What happens when one follows the traditional recommended plans?
  • What about the 401(k)?
  • What about the IRA?
  • What about the I.R.S.?
  • Are you leaving the I.R.S. a tip?
  • What about leverage?
  • What might be a perfect solution for wealth creation?
  • What about the perspective of the elder parent?
  • What about the perspective of the adult children?
  • What is a family asset system?
  • How many dreams have you had that have actually come to fruition in your life?
  • Is it possible to leave more money than you could ever save?
  • What is Mark’s story as a son?
  • What did Mark’s mom do?
  • What are the guarantees?
  • Do you want to add to an inheritance for your kids without paying anything?
  • Are you stressed by the market?
  • Are you paying fees?
  • What would you bet on?
  • Would you like to discuss the family asset concept with your family?
  • Would you like to join us next episode for Part 2?

Join us LIVE on Saturday, September 7, 2019 at 1PM-2PM CT

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https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_104.mp3

Episode 103: The Family Prosperity Index with Scott Moody and Wendy Warhcolik

August 23, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_103.mp3

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  • Would you like to join us on our live show on September 7, 2019 at 1PM Central Time? (See details below)
  • Would you like to take our 90-second survey?
  • Who is Wendy Warhcolik?
  • Who is Scott Moody?
  • How did Scott and Wendy meet?
  • What inspired the Family Prosperity Index?
  • What is your state’s tax burden?
  • What are the connections between one’s social choices and economic choices?
  • How has Wendy’s experience driven her to study economic outcomes?
  • How does Utah perform?
  • How do New Mexico and West Virgina perform?
  • How are the states different?
  • What are some of the metrics that go into The Family Prosperity Index?
  • What are the ways to bring value in our country?
  • What about gambling?
  • How many Americans are on welfare?
  • Can the government create wealth?
  • What does the government crowd out?
  • What about fatherlessness and single mother families?
  • What about communities and religious institutions?
  • What did Scott and Wendy learn about Utah?
  • What did they learn about faith and heroine epidemic?
  • What about Mississippi and Alabama?
  • What is the relationship between debt and demographics?
  • What is “demographic winter”?
  • Are there enough young people to support current population levels?
  • What about Maine and West Virginia?
  • What about Pennsylvania?
  • How does demographic winter affect economic growth?
  • How does a population that is rapidly aging affect government spending decisions?
  • What about the map in the Family Prosperity Index?
  • What about a solution?
  • Should you move to a mountain state?
  • How has public policy affected families?
  • What about the gallup survey on religious families?
  • How might we rebuild communities?
  • What do family businesses offer?
  • What about the suicide crisis in white middle-aged men?
  • What is a possible solution?
  • What built America?
  • What do family businesses protect from?
  • How does owning Bank on Yourself® type policies allow people the freedom to take entrepreneurial risks?
  • What is a nuclear bomb to family finances?
  • How have our clients benefited from the freedom to take risks?
  • Is it too late (for the bottom states)?
  • What might need to change?
  • What would Wendy and Scott say to religious leaders and political leaders?
  • How does the Family Prosperity Index empower leaders?
  • Would you like to look at their website, familyprosperity.org? And their new site FPI Ventures!
  • Has your state been featured yet?
  • Would you like to look at the data?
  • Where can you learn more?
  • What are the takeaways and surprises?

As a public choice economist trained in applied microeconomics and econometrics, Wendy Warcholik has spent her career applying economic tools to the problems of state government.  Wendy is Chief Economist at the Family Prosperity Institute and co-creator of the Family Prosperity Index.  She is also a Senior Fellow at Illinois Policy Institute and the Oklahoma Council of Public Affairs.  

Her prior professional experience includes positions as Economist at the U.S. Department of Commerce’s Bureau of Economic Analysis, Chief Forecasting Economist for the Commonwealth of Virginia’s Department of Medical Assistance Services, and Adjunct Scholar with The Tax Foundation.  She has worked as a consultant to free-market think tanks across the country for the past seven years.  

Warcholik is the co-creator of the Tax Foundation’s popular State Business Tax Climate Index, now in its sixteenth year of publication and nominated as a finalist for the Templeton Freedom Prize.

Warcholik received her Ph.D. in Economics from George Mason University.  While pursuing her Ph.D., she was a Bradley Foundation Research Fellow with Nobel Laureate James Buchanan’s Center for the Study of Public Choice. Additionally, Warcholik has taught numerous economics courses to MBA students. 

 

J. Scott Moody has worked as a Public Policy Economist for over 18 years. He is the author, co-author and editor of 170 studies and books. He has testified before the House Ways and Means Committee of the U.S. Congress as well as various state legislatures. His work has appeared in Forbes, CNN Money, State Tax Notes, Portland Press Herald, New Hampshire’s Union Leader, Hartford Courant, The Oklahoman, and Albuquerque Journal.

He was formerly the CEO and Chief Economist of the State Policy Network (SPN) affiliated think tank Maine Heritage Policy Center.  He is the co-creator of the Family Prosperity Index and President of the Family Prosperity Institute.  Moody is a Senior Fellow at Illinois Policy Institute.  He currently serves on the board and is founder of the Granite Institute, the SPN affiliated think tank in New Hampshire.  His professional experience includes positions as Senior Economist at Tax Foundation and Senior Economist at Heritage Foundation.  Additionally, Scott was appointed to Maine’s Consensus Economic Forecasting Commission by Governor Paul LePage (R) in January 2011.

 Moody is the original creator of the Tax Foundation’s popular State Business Tax Climate Index, now in its sixteenth year of publication and nominated as a finalist for the Templeton Freedom Prize.

Moody received his Master of Arts in Economics from George Mason University.

 

Join us LIVE on Saturday, September 7, 2019 at 1PM-2PM CT

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https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_103.mp3

Episode 102: Keeping Up with the Rockefellers: The Family Office Concept

August 16, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_102.mp3

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In this episode, we ask:

  • Would you like to join us for a live show on Saturday, September 7, 2019 1PM Central Time? See connection details below!
  • Would you like to take our 90-second survey?
  • Have you engaged estate planning?
  • What does an estate plan do?
  • What do you want to pass on?
  • Have you seen the movie, The Ultimate Gift?
  • What did the Rockefeller family do with their money?
  • What does Warren Buffet say about estate planning?
  • Have you read the book Entrusted?
  • What are the seven core disciplines?
  • What about Rockefeller?
  • What about Vanderbilt?
  • What happened to the wealth through the generations?
  • What is the lesson here?
  • Is there a better way?
  • How might you build up wealth with a Bank on Yourself® type policy?
  • How does budgeting work with estate planning?
  • What about insuring family members or other insured interests?
  • Have you heard Episode 19 on the 4 Rules of Budgeting?
  • What are some ways you can pass on ideas to future generations?
  • What about personal loans to family members or friends?
  • Do family office strategies need to be complex?
  • What are some ideas for legacy planning?

Join us LIVE on Saturday, September 7, 2019 at 1PM Central Time

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https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_102.mp3

Episode 101: 4 Tips for Teaching Your Kids About Money

August 9, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_101.mp3

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In this episode, we ask:

  • How might we teach our kids about money?
  • How many adults received financial education from their parents?
  • What was Holly’s experience in childhood?
  • What was Mark’s early experience with money?
  • Why are parents overly secretive about money?
  • What was the public school system designed to do?
  • How might you break the cycle?
  • What are four ways to bring up money with kids?
  • What lessons can kids learn in addition to how to handle money?
  • How might you tell your kids about money early and often?
  • How can you work with older kids?
  • What about having a money conversation with your kids?
  • How might your kids earn base pay plus commission? 
  • What about sharing your balance sheet with your kids?
  • How early can kids earn money?
  • What is expected?
  • What are bonuses?
  • How might you include your kids in your business?
  • Are you raising an employee or a business owner?
  • Are you a business owner? How can you share this with your children?
  • How can you teach your children to help other people?
  • How might helping other people provide value?
  • How might the kids chip in for purchases?
  • How might you involve the kids in certain investments?
  • How might you teach your kids about assets?
  • How might you involve your kids in financial projects?
  • How might you get the kids engaged in respecting cash flow?
  • Do your kids have a budget or plan?
  • How might you teach about saving?
  • How might you teach about giving?
  • How might you teach about spending?
  • Do your kids have pen pals?
  • Do you say, “We can’t afford this…” ?
  • How about teaching kids to ask the question: “How might we afford this?”

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_101.mp3

Episode 99: Why You Should Define Your Fears Instead of Your Goals

July 26, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_99.mp3

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In this episode, we ask:

  • Have you heard of fear setting (instead of goal setting)?
  • Is emotional reactivity a helpful financial strategy?
  • Are you white knuckling the financial rollercoaster?
  • What did Seneca the Younger say?
  • What if there was a benefit to suffering in our imagination?
  • What if there is courage to exploring your own fears?
  • What if you could use your imagination to become more courageous?
  • How can overcoming fear help you achieve your goals?
  • What happens when you focus on what you can control?
  • How can you bring more emotional to life?
  • What happens when you pay more attention to something?
  • What practices, systems and habits can you build?
  • What is one of the biggest problems for the average investor?
  • What is the biggest super power you can bring to your financial life?
  • What is a wealth shock? Did you hear Episode 97?
  • What is the fear?
  • Where can we find the courage to take action?
  • How might you act in your own best interest?
  • How might you overcome your challenges?
  • What’s holding you back?
  • Would you like to meet with us?
  • What is the premeditation of evils?
  • What is the worst case scenario, in detail?
  • What does anxiety do?
  • How does anxiety paralyze us?
  • Have you heard of goal setting?
  • What is the 3 page writing exercise for fear setting?
  • What if I…?
  • Can you list 10 specific fears? Can you list 20 specific fears?
  • What’s an example?
  • What can I do to prevent this fear from happening or at least minimize it?
  • If your fear actually happens, what would you do to repair the damage or who could you ask for help?
  • What about the Fear of Missing Out (FOMO)?
  • Has anyone, in the history of time, ever figured out my problem before?
  • What is the cost of inaction?
  • What is the cost of the status quo?
  • Where am I going to be in one year? Where am I going to be in three years?
  • What’s Mark’s story with student loan debt paralysis?
  • What is the debt SnowBank method?
  • What about the emotional stress of living paycheck to paycheck?
  • Have you heard Tim Ferriss’ TedTalk on this?
  • How are the biggest challenges in life solved?
  • How can you use goal setting and fear setting together?
  • How can you cut through the fear in the beginning?
  • What is one fear that’s holding you back?
  • Would you like to leave a review on iTunes?
  • Would you like to fill out the Fear Setting pages?

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_99.mp3

Episode 98: Ryan Fleming – The College Funding Crisis is a Retirement Issue

July 19, 2019 by Not Your Average Financial Podcast

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_98.mp3

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In this episode, we ask:

  • How does college funding relate to retirement?
  • What’s Ryan’s story?
  • How much do we have in student debt?
  • What are the increases on tuition and fees?
  • Can paychecks keep up with the costs?
  • What happens if things don’t turn out as planned for a student?
  • Is college worth it?
  • What is a wealth transfer?
  • What does the average college graduate make?
  • How do traditional financial advisors advise parents who have kids going to college?
  • Does a 529 plan solve for the realities of college?
  • Are there more efficient ways to finance college?
  • What is the average balance of 529 plans for kids about to go to college?
  • What are the four big college funding mistakes we need to avoid?
  • Are you in a student loan trap?
  • Are you over borrowing?
  • Are you assuming that you won’t receive financial aid?
  • What does the FAFSA look like?
  • What counts against families?
  • What about selecting the wrong college or career path?
  • How is college funding like buying your first home?
  • How does Ryan’s work differ from typical advisors?
  • How does one pay for college without going broke?
  • How much does college actually cost?
  • How does a career coach help with college costs?
  • What about testing?
  • What about forms?
  • Since most people won’t get full rides, where will the dollars come from?
  • How do Bank on Yourself® type policies work with college funding?
  • How does college planning affect your standard of living in retirement?
  • How is college planning like golfing?
  • How is the Bank on Yourself® strategy like a putter of financial products?
  • How does Bank on Yourself® stand the test of time?
  • What are the extra benefits of Bank on Yourself® type policies for college planning?
  • How does one pay off student debt?
  • What does life insurance have to do with retirement?
  • How many policies does Ryan have?
  • Does Ryan own a 529 plan?
  • What’s the story of Ryan’s clients?
  • How can you use the deferral mechanism of student loans to your advantage?
  • Should you wait until high school to plan for college?
  • Would you like to speak with Ryan about your child’s upcoming foray into college?

Ryan Fleming is a college planning specialist in the Columbus, Ohio area, practicing for over 11 years. As a Certified Financial Fiduciary®, CFF Ryan takes pride in helping others plan for their financial futures by avoiding wealth transfers and conflicts of interest. Ryan specializes in helping parents of college college-bound students plan for one of the largest wealth transfers of their lives. He also consults individually with parents and students to help them improve their financial aid picture and pay for college on a tax-favored basis.

In addition to his college planning practice, Ryan also works with families who want to improve their long-term retirement picture and ensure proper distribution of their estate.

What sets Ryan apart is his client-centric and easy-to-understand approach. Ryan’s main goal for each of his clients is to help provide them with confidence and certainty in their financial future by helping them answer the 4 most important financial questions that we all must answer in order to properly plan for retirement.

Ryan Fleming, CFF®
Website: www.keystoneadvisors.com
Email: rfleming@keystonecollegeplan.com
Phone: (614) 300-9493

https://media.blubrry.com/nyafinancialpodcast/content.blubrry.com/nyafinancialpodcast/NYAFP_Episode_98.mp3
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