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When you affiliate with a financial advisor, you form a relationship that will hopefully carry through the rest of your life. That's why it's important to get to know an advisor before you sign up. This segment of Right on the Money explores Levie's deep connections to his Louisiana-based clientele, particularly those in the oil industry, which has experienced a great deal of turnover. Levie discusses his daily habits, his spiritual practices and his relationships with his family.For more Right on the Money: http://rightonthemoneyshow.com To learn more about Barry Levie, visit: https://www.barryleviefinancial.com Sign up to receive a complimentary copy of 10 Steps to a Successful Retirement: https://www.barryleviefinancial.com/resources.htmlLicensed Insurance Professional. Respond and learn how financial products, including life insurance and annuities, can be used in various planning strategies for retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency.

Right on the Money host Dennis Mattern continues his conversation with Barry Levie, president of Barry Levie Financial, www.barryleviefinancial.com, who works with clients to secure their retirement. Instead of leaving their assets in their employer 401(k) accounts, Levie advises many pre-retirees to move at least some of their assets into fixed index annuities to safeguard their principal. Having been hit hard by the 2008 financial crash, many of Levie's clients come to him with one thing in mind: principal protection during retirement. Through careful planning, Levie helps position his clients so that they won't outlive their income in retirement net.For more Right on the Money: http://rightonthemoneyshow.com To learn more about Barry Levie, visit: https://www.barryleviefinancial.com Sign up to receive a complimentary copy of 10 Steps to a Successful Retirement: https://www.barryleviefinancial.com/resources.htmlLicensed Insurance Professional. Respond and learn how financial products, including life insurance and annuities, can be used in various planning strategies for retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency.

In this segment of Right on the Money, Barry Levie, President of Barry Levie Financial, www.barrylevinefinancial.com, discusses the advantages of fixed indexed annuities in retirement. The first aspect his clients notice is a dramatic reduction in fees. "They're paying 1 or 1.5 percent just to park their money somewhere," he says. But the real change comes in principal protection. Although no one can predict how much an account might appreciate during a year, with a fixed index annuity, Levie can look his clients in the eye and assure them, "You won't lose a penny."For more Right on the Money: http://rightonthemoneyshow.com To learn more about Barry Levie, visit: https://www.barryleviefinancial.com Sign up to receive a complimentary copy of 10 Steps to a Successful Retirement: https://www.barryleviefinancial.com/resources.htmlLicensed Insurance Professional. Respond and learn how financial products, including life insurance and annuities, can be used in various planning strategies for retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency.

If you're like most Americans, you may have a 401(k) account that you've either lost track of or aren't using to its fullest potential. Advisor Barry Levie, president of Barry Levie Financial, www.barryleviefinancial.com, helps clients maximize their retirement income by rolling over these orphan accounts into fixed index annuities. These annuities provide guaranteed income for life, ensuring that you don't run out of money in retirement. Fixed index annuities also offer protection from market downturns and volatility.For more Right on the Money: http://rightonthemoneyshow.com To learn more about Barry Levie, visit: https://www.barryleviefinancial.com Sign up to receive a complimentary copy of 10 Steps to a Successful Retirement: https://www.barryleviefinancial.com/resources.htmlLicensed Insurance Professional. Respond and learn how financial products, including life insurance and annuities, can be used in various planning strategies for retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency.

Shielding his clients' accounts from the potential disaster from the effects of market downturns is financial advisor Barry Levie's mission. A New Orleans based advisor and founder of Barry Levie Financial, www.barryleviefinancial.com, helps his clients prepare for retirement through the guaranteed income generated by fixed index annuities. Motivated by his desire to help others, Levie works to protect his clients' savings and safeguard their investments from market volatility. Levie specializes in clients who are in transition. This includes those who have recently retired, been laid off or have changed jobs.For more Right on the Money: http://rightonthemoneyshow.com To learn more about Barry Levie, visit: https://www.barryleviefinancial.com Sign up to receive a complimentary copy of 10 Steps to a Successful Retirement: https://www.barryleviefinancial.com/resources.htmlLicensed Insurance Professional. Respond and learn how financial products, including life insurance and annuities, can be used in various planning strategies for retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency.

In this segment of Right on the Money, host Dennis Mattern concludes his conversation with Robert Trejo, founder and senior managing partner of Coeus Financial, www.coeusfinancial.com. Trejo credits his success to his children and his peers for challenging him to push his limits, exploring current research to serve his clients and peers better. Trejo explains his notion of a financial advisor super hero, as he makes it his mission to save his clients from financial disaster by helping them retire confidently. "Progress through Process," is his motto, and his process of sound, risk-aware financial management demonstrates proven success.To learn more about Robert Trejo, visit: https://www.coeusfinancial.comInvestment advisory services are offered through Emerald Blue Advisors, Inc., a registered investment adviser offering advisory services in the State of California and jurisdictions where registered or exempted. This communication is not to be directly or indirectly interpreted as a solicitation of investment advisory services to residents of another jurisdiction unless otherwise permitted. ​Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.

Do you think of your day-in, day-out money management tasks as a series of decisions? In this segment of Right on the Money, host Dennis Mattern asks advisor Robert Trejo about how he helps clients make sound financial decisions throughout the year, leading up to the April 15 tax filing deadline. As Trejo explains, the three-legged stool of money management in retirement — Social Security, other income streams and tax mitigation — is a good way to visualize the importance of the role of tax strategies in financial planning. Trejo's firm, Coeus Financial, www.coeusfinancial.com, uses a risk tolerance question to evaluate client needs and expectations. "Progress through process" — put another way, financial freedom, thanks to financial education, is the name of the game.To learn more about Robert Trejo, visit: https://www.coeusfinancial.comInvestment advisory services are offered through Emerald Blue Advisors, Inc., a registered investment adviser offering advisory services in the State of California and jurisdictions where registered or exempted. This communication is not to be directly or indirectly interpreted as a solicitation of investment advisory services to residents of another jurisdiction unless otherwise permitted. ​Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.

Explaining the importance of education, advisor Robert Trejo believes that clients who want to can take on the job of managing their own portfolios. However, working with a fiduciary financial advisor provides access to specific skills and expertise. A member of the Society for Financial Awareness, Trejo notes his experience working with clients and the articles he's written for publications such as Kiplinger. In retirement, guaranteeing sufficient income is important. Specifically, Social Security is an important component in that income stream. Unlike many retirees, Trejo's clients aren't likely to leave retirement income on the table.To learn more about Robert Trejo, visit: https://www.coeusfinancial.comInvestment advisory services are offered through Emerald Blue Advisors, Inc., a registered investment adviser offering advisory services in the State of California and jurisdictions where registered or exempted. This communication is not to be directly or indirectly interpreted as a solicitation of investment advisory services to residents of another jurisdiction unless otherwise permitted. ​Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.

In this episode of Right on the Money, we continue our discussion with Robert Trejo, founder of Coeus Financial, www.coeusfinancial.com. The most important function of a fiduciary financial advisor is not the management of returns, but the management of risk, he notes. A 15-year veteran of the financial planning arena, Trejo prides himself on his in-depth knowledge of his clients, especially their risk tolerance. While clients often self-identify as conservative or moderate investors, their actual portfolios reveal they are invested in much riskier or volatile assets. Matching a portfolio's investments to the client's risk tolerance is Trejo's first step in building a relationship.To learn more about Robert Trejo, visit: https://www.coeusfinancial.comInvestment advisory services are offered through Emerald Blue Advisors, Inc., a registered investment adviser offering advisory services in the State of California and jurisdictions where registered or exempted. This communication is not to be directly or indirectly interpreted as a solicitation of investment advisory services to residents of another jurisdiction unless otherwise permitted. ​Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.

With so many titles and designations for financial advisors, it can seem like alphabet soup to many of us. As a fiduciary financial advisor, Robert Trejo explains that fiduciaries must put your interest above any others when recommending investments. Trejo, managing director at Coeus Financial, www.coeusfinancial, relates the importance of working with a fiduciary due to the legal responsibility and accountability they owe their clients. Trejo also offers a through financial planning process based on research to ensure that his client’s goals are in alignment with their portfolios.To learn more about Robert Trejo, visit: https://www.coeusfinancial.comInvestment advisory services are offered through Emerald Blue Advisors, Inc., a registered investment adviser offering advisory services in the State of California and jurisdictions where registered or exempted. This communication is not to be directly or indirectly interpreted as a solicitation of investment advisory services to residents of another jurisdiction unless otherwise permitted. ​Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.

Both faith and finances require a disciplined approach. Roy Carlson, president of Carlson Financial Services, gets up early every day and goes to the office and spends time with God before welcoming clients into his working day. He wraps up that work day in time to be home with his family every night for dinner. Roy believes that these kinds of faithful practices sustain both his faith and his financial planning practice. Roy seeks to facilitate his clients to follow the example of the servants from the Gospel parable of the talents, who use the money their master has entrusted them and work to earn more. Roy is also the author with his wife Vivian of the book The Faithful Steward, which explains his model of playful investment for a wider audience.  For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

In the Bible, Jesus says to render unto Caesar what is due to Caesar and render unto God what is due to God. Roy Carlson, president of Carlson Financial Services, a Christian financial planning firm, believes that we should render unto Caesar not a penny more than he is due. In partnership with his wife, Vivian, a tax accountant, Roy assists his clients with proactive tax planning to ensure their investments are diversified from the tax perspective. Carlson Financial Services practices an approach of getting to know every client's values and finances to ensure maximal alignment between both important aspects of your life.  For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

If you're a Christian who has sold your business or come into an inheritance, you may be wondering how to employ your wealth to further his work in the world. Roy Carlson, president of Carlson Financial Services, helps Christians with their financial, investing and retirement planning needs. While the Bible doesn't speak directly about retirement, it does discuss the redirection of people's lives through a dialogue with God. The goal of faith-based redirection and estate planning is to please God by using the wealth well that he has given you. For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

Your financial future isn't just about creating financial stability for your family — it's about managing the resources you've been given in a way to please God. Faith-based stewardship is the foundation of Roy Carlson's financial planning practice. Shortly after he began his practice, he realized that most of the advice he was giving his clients was rooted in the Bible. It isn't surprising that someone with strong faith applies this approach to his profession. As he and his wife chose to do a faith-walk to discover the foundation of their faith, they realized the importance of the Biblical concept of stewardship. In his practice, Roy offers clients financial management options that they can prayerfully consider, aligning their financial management with their values. For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

Planning your future involves much more than painting a perfect picture of where you will end up financially in retirement. In the second part of Rob Barton's (www.carsonfinancialservices.com) chat with Dennis, Rob explains how to align your goals for retirement with your faith. Oftentimes when couples sit down for long-term financial planning, their current portfolio doesn't line up with their goals for the future. Rob outlines how imperative it is for couples to be on the same page to secure their financial future. These conversations can be very eye-opening, as differences may exist in risk tolerance and investment goals. Rob sees his job as clearly explaining the relationship between asset allocation, client values and goals. Socially responsible investing can be an important component of portfolio construction, to ensure the alignment of goals and investments.  For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

Financial planning in a marriage can be a touchy subject for many couples. Rob Barton of Carson Financial Services, www.carlsonfinancialservices.com, stops by to talk with Right on the Money Host Dennis Mattern about the responsibility financial advisors have in advising couples. Carlson Financial Services offers workshops for couples that facilitate achieving financial freedom through improved communication. Finances can be a major source of strain in a marriage, especially when a couple doesn't share the same goals or management of finances. Rob recommends planning out a clear picture of your financial futures as a couple from the beginning of your marriage, so that your approach to finances can be a source of peace instead of a cause of friction. When savings or expenses don't align with long-term goals, the key to resolving differences is active listening and gentle communication. For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

Guided by their beliefs towards a unique model of financial planning, the financial advisory team at Carlson Financial Services in Raleigh, NC shares their faith-based financial advisory model. President Roy Carlson, joined by bothers Nathan and Rob Barton, provide a platform for their clients to make sound financial decisions that are consistent with their faith. They aim to provide service through the seasons of life for everyone from clients just starting out their financial lives to clients who are looking towards retirement. Carlson also offers a series of demographically targeted Biblical Financial Stewardship workshops to align faith with finances. For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

In this segment of Right on the Money, Dennis discusses how financial planning courses and advising can help clients reduce the burden of taxes on retirement income with Nathan Barton. Nathan explains how his firm's series of courses at www.carlsonfinancialservices.com help people of all ages understand how their taxes impact their investing and saving. Financial advisors offer a different perspective than tax professionals in that they offer proactive strategies for the future rather than immediate tax advice.  For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

It's easy to get caught up in spending habits that don't truly represent your values. Nathan Barton, www.carlsonfinancialservices.com, stops by to speak with Dennis about his journey as a disciple of Christ and as a financial advisor. Nathan relates the principles of stewardship—understanding that nothing belongs solely to you— in your finances, in addition to the others things we have dominion over in this life. Applying faith principles across the board allows you to live in a way that aligns with your beliefs. Nathan started in financial management at a young age and sees it as his mission to help his clients align their values with their saving and spending.  For more Right on the Money: http://rightonthemoneyshow.com            To learn more about Carlson Financial Services: http://carlsonfinancialservices.com Investment Advisory Services Offered through Institute for Wealth Management, Inc., a SEC Registered Investment Advisor, based in Denver, CO. Insurance products and services are offered through Carlson Financial Services, LLC. Institute for Wealth Management, Inc., and Carlson Financial Services, LLC are affiliated companies.  Carlson Financial Services, LLC., Institute for Wealth Management, Inc., and Roy Carlson is not affiliated with or endorsed by the Social Security Administration or any government agency.  This content is for informational purposes only and should not be used to make any financial decisions.

Although Pat Ginefra, www.mylifebroker.com, talks about building a plan for retirement, getting information on retirement is just the first step. Once you learn what a plan looks like and understand what resources are available, you must make choices to create an actionable plan that will create the enjoyable retirement you seek. The abundance of options may create confusion that's why it makes sense to find a professional who can offer objective strategies, see things from multiple angles and provide you with the best options for your unique situation. For more Right on the Money: http://rightonthemoneyshow.comTo learn more about Pat Ginefra, visit: https://www.mylifebroker.comSign up to receive a complimentary copy of 10 Steps to a Successful Retirement: https://www.mylifebroker.com/resources.html Licensed Insurance Professional. Respond and learn how life insurance and annuities can be used to positively impact your retirement. This material has been prepared for informational purposes only.  It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.