Black Wealth Connect: Recent Episodes
Black Wealth Connect
What is wealth?People often associate the word wealth generally with having money and material things. At Black Wealth Connect we believe that individuals or collectives should be able to access and share their skills, resources as well as knowledge to bring the Black community together and create better opportunities.Black Wealth Connect was founded by Fabrice Omankoy as a platform to showcase interviews about the various aspects of finance from local and global Black entrepreneurs and professionals.Our interviews dive into a range of talking points such as financial education, mindset, mental health and more.We believe that financial awareness allows for a better head start towards financial freedom.
The Black Wealth Connect Podcast is Back with our exciting Guest - Aymen Koko, a seasoned barber and entrepreneur. With 12 years experience, Aymen’s journey began cutting his siblings hair, which quickly became his passion. Three years ago, he founded his successful barber shop, Xtrimcuts.
Aymen isn’t just a barber; he’s a business owner who believes in seizing opportunities. His advice to aspiring entrepreneurs is simple yet powerful: “Don’t overthink your dream—just start it.
Join us as we delve into Aymen Koko’s journey—from barbering to entrepreneurship—and discover the strategies behind his success.
Instagram: Xtrimcuts
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 2 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
entrepreneurship #businessowner #business #barbarshop
By day I am Design and Strategy practitioner using human-centred design to solve the needs of users, with a keen interest on digital products, services and cultural change. With years of interdisciplinary design experience understanding users and clients by framing, re-framing and solving complex problems using an array of skills in various capacities such as testing new business opportunities and ideas, leading qualitative and quantitative data activities, managing sprint/project teams, rapid prototyping, detailed design and developing strategy.
Instagram: Gilleanopoku
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 2 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
property #propertyownership #portfolio #business
Adetokunboh Adeniyi is a first time restaurateur that launched Little Lagos Bistro & Bar with the intention of bringing West African music, food, fashion, art & culture to Australia.
A nomad who has lived in 5 cities before settling in Sydney, Ade as he is popularly known was determined to see that Nigerian food became mainstream within the Australian culinary scene. Starting with food stalls at markets in Sydney and Melbourne, then operating a food truck for several years before finally opening the first venue in Newtown, Sydney.
Ade was named by Hospitality Magazine as one of Hospitality’s 50 gamechangers in 2021 & Young Entrepreneur of the Year 2020 by Business News Australia.
He is regularly featured in the media promoting the West African community in Australia and has recently opened a second venue in Brisbane.
Want to get in touch with Ade
Website: www.alittlelagos.com
Instagram: @alittlelagos
Personal Instagram: @ade.tokunboh
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 2 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
littlelagos #selfdetermination #misssahara #entrepreneur #business
Daniel graduated from Flinders University with a Bachelor of Law and Legal Practice and a Bachelor of Commerce (Finance) in 2015 and was admitted to practice in the Supreme Court of South Australia and the High Court of Australia.
He began working as a lawyer at Thomson Geer in Adelaide before going on to practise in Sydney at Salvos Legal. In 2017, after seeing regular media coverage about African youth crime in Melbourne, Daniel felt a need to relocate to Victoria and position himself as a role model for younger people within his South Sudanese community. He went on to work at a Melbourne Criminal Law Specialist firm, practising in summary and indictable crime.
Daniel has featured in the Herald Sun, the Law Institute of Victoria’s Journal & recently in the Age, sharing his journey from a refugee camp to settling in Australia and becoming an Australian legal practitioner. You can hear more by listening to his recent episode with Greens List where he was interviewed by Michael Green. The William & Lonsdale Podcast ‘Lives in the Law’ is available on our blog.
Before co-founding Ajak associates, Daniel worked at Victoria Legal Aid in the Summary Crime and Youth Crime team where he regularly appeared in the Magistrates’ Court, Children’s Court and the Bail & Remand Court.
Daniel practises in the following areas of law:
Criminal Law
Corporate & Commercial
Litigation & Dispute Resolution
Family Law
Wills & Estates
Employment Law
Professional Memberships
Member of the Law Institute of Victoria (LIV)
Member of the LIV’s Criminal Law Section
Co-founder and steering committee member of the African-Australian Legal Network (AALN).
Want to get in touch with Daniel Ajak:
Website: www.ajakassociates.com.au
Instagram: ajakassociates
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 2 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
ajakassociates #selfdetermination #buisness #entrepreneur
Fundikira Kippaya is a Transformation Coach, Storyteller, the founder of SK00L 0F FLOW the Human Potential Project. The creator of 7Ps coaching framework and Curator and moderator of Collaborative Art Projects for transdisciplinary engagement. Active Life Learning (ALL) for Leadership growth.
Designer and Developer of his own coaching philosophy: P.O.W.E.R. (purpose-driven Optimistic Wisdom for Excellence and Resilience)
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Want to get in touch with Fundikira Kippaya:
Instagram: @Fundikira_Kippaya / @skoolofflow
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 2 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
Mindset #transformation #financialliteracy #mentalwellbeing #blackwealthconnect
Rider works as a Financial Advisor Support with a Boutique Wealth Management firm. She also has a background as a Social Media Coordinator working for organisations such as 10 Lessons Learned, The Professional Development Forum and a Not-For Profit organisation called The
Helmsman Project.
Rider also has a strong passion on working with young people to help them realise their potential and become leaders of their own life.
Over the years Rider has developed an enthusiastic curiosity for personal development and now being in finance this has shaped her focus on building the capacity of young people within finance.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Want to get in touch with Rider:
Instagram: @riderantwi
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 2 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
moneymanagement #moneyandyouth #financialliteracy #finance #blackwealthconnect
Gillian Dunn loves connecting people for meaningful conversation and is passionate about sharing cultural richness. She is a seasoned Music Industry professional, with a demonstrated history of leadership in the music industry.
With over 20 years working with APRA AMCOS, she has experience across Music Publishing, business relationship management and deep knowledge about royalties for the various rights within music and the ties to financial literacy that music creators need to understand.
She has a strong sense of community and social justice, and gets to flex that as a committee member of the Black Music Alliance Australia. She is kept grounded by her South African roots, two beautiful daughters and love of mountain biking.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Want to get in touch with Gillian:
Instagram: @Gellica54
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 2 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
blackwealthconnect #Gilliandunn#blackwealth #finance #financialliteracy #creativearts #community #australia #investing #Musicandculture #wealth #knowledge
Sanders Muleya is the Founder and Director of Msisa Property and Consulting and Msisa Property Developments. He is a successful property investor, property developer, property mentor and buyer’s advocate.He is also the author of - "The 10x property system- How to Amass 10 properties in 10 years and retire comfortably".
Originally from Zimbabwe, Sanders Muleya moved to Australia in 2004 and worked as a registered nurse before embarking on real estate investment. Sanders says he made a lot of mistakes in his early years in the real estate industry, but he continued learning and spent close to $100K to improve his education on property investment in Australia. He learned from his mistakes and kept on going until he started Msisa Property Consulting agency in February 2019.
Sanders' persistence and determination got him through all the hurdles and made him very successful. He has now managed to acquire 18 positive cashflow properties in different states of Australia. He was able to acquire 15 properties in under 10 years using "The 10x property system".
Sanders says he has replaced his income (as a nurse) 6 times over and after retiring from nursing he is now focusing on helping other Australians, especially the underprivileged, to create wealth through property.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Want to get in touch with Sanders:
Instagram: @msisaproperty
Website: www.msisaproperty.com.au
Phone: 0431 577 620
Book an appointment: https://tinyurl.com/4u2acmd8
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 2 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
blackwealthconnect #Sanders #blackwealth #finance #financialliteracy #buildingbusinesses #community #australia #investing #Residentialproerty #wealth #knowledge
Nick is a mental health nurse and co-founder of Recharge Wellness, an online psychology clinic. He has over 5 years clinical experience working in both public and private sectors providing support to clients all across the lifespan.
Prior to his career in mental health, Nick was working in the finance industry as a home lending specialist at Commonwealth Bank. He was primarily responsible for assisting first home buyers and investors in navigating through the complex home loan market.
Outside of his professional life, Nick enjoys going for runs, muay thai, having a cold one with the boys and travelling.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Want to get in touch with Nick:
Instagram: @Nickevz
Website: www.rechargewellness.com.au
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 1 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
blackexcellence #blkwealth #blkwealthconnect #mentalhealth #mentalhealthawareness #finance #rechargewellness
Chakyl Camal Co-founded Panthera Group with his business partner Mario Evangelo to build lifestyle precincts of the future. By harnessing his property expertise, his natural drive and his intuition for identifying the right people to join the journey, Chakyl has shaped the evolution of Panthera Group into a thriving business that delivers superior returns.
Chakyl is a visionary CEO focused on influencing urban precincts of the future, combining physical and digital space to create innovative experiences curated for communities’ unique needs and desires. Chakyl has also Co-founded The Podium Academy an awareness and wealth building program which is designed for individual transformation.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Want to get in touch with Chakyl:
Instagram: @Chakylcamal
➢ Subscribe for new episodes every month: https://bit.ly/3sbbEvW
➢ Listen to The Black Wealth Connect Podcast: https://bit.ly/3sbbEvW
➢ Cop The BWC Merch: https://bit.ly/3MNGfro
➢ Learn more about the show: https://bit.ly/39BqTYG
➢ Tap in for more Black Wealth Connect talk: #BWC
Take a seat and catch up on Season 1 of BWC: https://bit.ly/3MPYBI2
Stay connected with #BWC
Instagram 👉 https://www.instagram.com/blkwealthco...
Website 👉 https://www.blkwealthconnect.com
Contact us 👉 https://https://blkwealthconnect.com/contact-us
blackwealthconnect #lord #blackwealth #finance #financialliteracy #buildingbusinesses #community #australia #investing #commercial #wealth
Looking to investment in commercial real estate?
Lord Darkoh has been in the commercial property industry for well over 8 years with a wide variety of experience.
Over the years Lord has worked his way up in the ranks with CBRE Asia Pacific - starting as an assistant manager to now being the Leading Sales Manager for North West Sydney.
Currently Lords main role is to focus on working with Sydney Metropolitan clients in particular corporate, high net worth individuals, private syndicates, institutional investors and developers to implement a range of strategies to achieve their desired commercial property portfolio goals.
Outside of his professional life, Lord enjoys family time and has 2 little boys that keep him busy… he also enjoys playing and watching football.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Looking for Top Tips to build wealth?
Lionel Iheanacho is a Senior Financial Planner with over 12 years of experience working in the Financial Services and Insurance industries. His early career saw him working as a Case Manager where he managed complex injuries and from there he made a transition into Financial planning directly into face to face advisory role.
Initially providing simple advice to individuals Lionel over the years has slowly moved into providing advice to high net wealth individuals focusing on building wealth and helping his clients achieve their long term lifestyle goals.
Outside of his professional life, Lionel is a keen football follower and pursues varied interest from trying cuisines from around the world to travelling. Lionel also enjoys spending time with his family which is also an important part of his identity.
Are you looking to gain employment in the financial field?
Edem Dokli has worked in the financial services recruitment industry for close to 2 years, ultimately gaining experience in headhunting, business development, sourcing, and recruiting at a variety of levels. As a Financial Services Recruiter, Edem takes pride in ensuring that candidates and clients are a strong match for one another – “I’m passionate about building people's careers rather than simply finding people jobs”.
Currently, Edem is responsible for recruiting top talent in the areas of Financial Crime, Regulatory and compliance, digital transformation, Divestment, mergers and acquisitions, Superannuation, Wealth and insurance.
Outside of the office, Edem is very passionate about giving back to her community and is the founder of an organisation called ‘We are the Movement’ which focuses on providing access to social services for people of Colour. These services include employment, education, mental health, legal assistance, financial, and youth programs.
Join us on the third episode of Black wealth Connect as we dive into a wide range of topics around how to gain employment within the financial industry and plenty more.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Want to get in touch with Edem around gaining employment in the Financial Space then don't hesitate to reach out..
Instagram: eh.dem
Looking to maximise your tax refund in Australia - 2022??
C.J Ndhlovu has been in the finance industry since 2006. CJ has a passion for helping large, small business owners, and individuals to manage and grow their financial well-being with a strong accounting and tax background.
Having started his accounting career as a Jr to now being an accounting manager, CJ brings a wide range of knowledge throughout his years to be able to provide clients with expert advice, professionalism, responsiveness and peace of mind.
Fabrice Omankoy welcomes C.J Ndhlovu as the second guest to appear on Black Wealth Connect Podcast.
The pair have also worked alongside each other in the past and both have a passion for bringing awareness to the African community around the importance of financial literacy.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.
Want to get in touch with C.J around everything Tax related then please don't hesitate to reach out to him:
Instagram: @c.dot.j
Looking to buy your first home in Australia??
Jesse Amankwatia is a Professional Mortgage Broker with over 10 years of financial experience and will share some Top Tips for first home buyers.
Fabrice Omankoy welcomes Jesse as the first ever guest to officially launch Black Wealth Connect Podcast.
The pair have worked alongside each other in the past and both have a passion for bringing awareness to the African community around how important financial literacy is.
Disclaimer:
NO FINANCIAL ADVICE – The information on this Channel/Podcast is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties or accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this Channel/Podcast is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The information on this Channel/Podcast and provided from or through this Channel/Podcast is general in nature and is not specific to you the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this Channel/Podcast without undertaking independent due diligence and consultation with a professional financial advisory.