Money Isn't: Recent Episodes
John L. Smallwood
You know what money is -- but here's what money isn't... Financial literacy isn't taught, it's earned. Tune in to Money I$n't to learn the insider details on how money works, planning, and building wealth. This show shouldn't be free, but gatekeeping secrets is boring. So here's what money isn’t... Hosted by John L. Smallwood, CFP®, President and Senior Wealth Advisor at Smallwood Wealth Management, with over 30 years of experience. Author of bestsellers 𝘐𝘵'𝘴 𝘠𝘰𝘶𝘳 𝘞𝘦𝘢𝘭𝘵𝘩 - 𝘒𝘦𝘦𝘱 𝘐𝘵 and 5 𝘞𝘢𝘺𝘴 𝘠𝘰𝘶𝘳 𝘞𝘦𝘢𝘭𝘵𝘩 𝘪𝘴 𝘜𝘯𝘥𝘦𝘳 𝘈𝘵𝘵𝘢𝘤𝘬.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Whole life insurance is often dismissed as expensive or unnecessary, but when structured properly, it can become one of the most powerful tools in a long-term financial plan. In this episode of Money Isn’t, John Smallwood breaks down how whole life insurance works when it is integrated into a broader strategy rather than treated as a standalone product. Using real planning scenarios, John explains how whole life can reduce taxes, lower portfolio risk, provide reliable access to cash, and create stability during market downturns. This conversation reframes life insurance as a living asset that helps protect wealth, smooth retirement income, and support better financial decisions over an entire lifetime.
Chapters:
(00:00) Introduction
(01:06) The Core Problem With “Buy Term And Invest The Difference”
(06:22) The Scenario Setup, Income, Spending, And Time Horizon
(09:08) How Taxes Quietly Drain Compounding Over Decades
(14:20) Volatility And Fees, Why “Average Returns” Mislead People
(18:26) Term Insurance Is A Rental, And The Opportunity Cost Is Real
(28:52) The “Dirty Word”, What Whole Life 100 Actually Guarantees
(51:43) Using Whole Life As A Volatility Buffer Inside A Bigger Plan
What part of your financial plan would feel less stressful if you had guaranteed access to cash during a market downturn? Leave your answer in the comments below.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
The biggest wealth opportunities reward those who shift perspective and execute early. In this episode of Money Isn’t, John Smallwood sits down with serial entrepreneur Stephan Lowy, who shares how early action across emerging spaces like cannabis and crypto created opportunities most entrepreneurs never see. Stephan explains why failure is not the risk, hesitation is, and how surrounding yourself with the right people turns uncertainty into leverage. This conversation makes one thing clear. Wealth is not created by perfect timing. It is created by early perspective, decisive execution, and the courage to move before the market agrees with you.
Chapters:
(00:00) Introduction
(04:45) Growing Inside a 100-Year-Old Family Business
(08:30) Failure as a Strategic Advantage
(13:10) Why Perspective Matters More Than Industry
(18:00) Seeing Opportunity Before Cannabis Was Obvious
(22:45) Understanding Crypto Before the Crowd
(28:30) Tokenization and the Next Wealth Shift
(34:50) Execution Over Ideas
(43:05) Vision Without Execution Is Hallucination
(46:20) Acting Before the Market Understands
Connect with Stephan:
Instagram:https://www.instagram.com/stephanl8/
Facebook: https://www.facebook.com/stephan.lowy/
Website: https://lowys.com/
What opportunity do you believe is forming right now that most people are still ignoring? Leave your answer in the comments below.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
People say that retail is dying, but Angela Courtney shows how service based businesses can still thrive when you own your niche, own your building, and take full ownership of your future. In this episode, John Smallwood sits down with Angela, founder of Sweetest Sin Boutique, co-owner of the Red Bank Classic 5K, real estate investor, and longtime community leader, to explore how she built a destination retail brand during the 2009 downturn, scaled through grit and guerrilla marketing, pivoted through supply chain challenges, and reinvested into local real estate to create long-term stability. They break down the realities of building a team, adapting in uncertain markets, strengthening community networks, and using small daily decisions to build momentum and wealth. Packed with insights for entrepreneurs and small business owners, this conversation shows how consistency, ownership, and community can turn a small shop into a lasting, compounding asset.
Chapters:
(00:00) Introduction
(02:10) Angelas role in Red Bank
(05:00) Immigrant roots and work ethic from family businesses
(09:00) Bartending, retail, and discovering the lingerie niche
(13:00) Opening Sweetest Sin in 2009 with 750 square feet
(18:00) Turning a lingerie store into a bra fitting destination
(22:30) Hiring, team strengths, and service based retail
(26:30) Buying her first building and growing a portfolio
(31:00) The truth about “dying retail” and online competition
(35:00) Red Bank Classic 5K, community boards, and local wealth
(37:30) Using setbacks as fuel and taking the first step
Connect with Angela:
Instagram:https://www.instagram.com/angelacourtney17/
Business Instagram: https://www.instagram.com/sweetestsinbras
Website: https://www.sweetestsinbras.com/
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Charitable giving is not just about generosity. Done right, it is one of the most powerful tax and estate planning tools you have.. In this episode, John Smallwood is joined by Jacqueline M. Bartley J.D., vice president of gift planning at Hackensack Meridian Health Foundation and one of the nation’s leading experts in estate and blended gifts, helping secure multiple $10M+ planned gifts. Jackie explains how donors use appreciated stock, real estate, charitable trusts, and more to support the causes they care about while improving their long-term financial picture. Together they break down why early planning matters, how to avoid costly tax traps, the power of coordinated advisor conversations, and how legacy gifts can honor your values while strengthening your family’s future.
Chapters:
(00:00) Introduction
(02:10) Jackie’s Role and Three Decades in Gift Planning
(05:40) Why Donors Give
(10:20) The Most Powerful Charitable Tool
(16:00) Tax-Smart Gifting Strategies
(23:45) Charitable Trusts: Remainder vs Lead
(33:10) Beneficiary Designations, Legacy Gifts, and Family Planning
(45:55) Why Communication Protects Your Legacy
What asset in your portfolio do you think could create the biggest impact, for both your family legacy and a cause you care about, if it were structured strategically? Leave your answer in the comments below
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Many business owners are losing profit from problems they never see coming, not the economy, not competitors, but their own operations. In this episode, John Smallwood sits down with John DeCausmaker, founder of Little John’s Lawns and Call Boss who scaled from one used pickup truck to 3,100 recurring customers. Together they reveal the silent threats draining most service based businesses. From mispricing his very first job to losing 40+ customers a month from missed calls, Decausmaker shows how sloppy routing, poor pricing intuition, unmanaged COGS, and lack of follow-up quietly destroy profit. If you want to scale without spending more on ads, this conversation shows precisely where your money is leaking and how to plug the holes before they cost you the next decade.
Chapters:
(00:00) Introduction
(02:05) John’s Early Entrepreneurial Roots
(15:07) Scaling Little John’s Lawns to 17 Trucks and 3,100 Customers
(22:03) Health Wake-up call and Losing 100 Pounds in 12 months
(35:54) Wealth Leaks Destroying Small Companies
(41:12) Solving Missed Calls and Low Conversion
(47:34) Advice For Overcoming Business Struggles
Connect with John
Instagram: https://www.instagram.com/johndecausmaker/
Business Instagram: https://www.instagram.com/littlejohnslawns/
Website: https://www.littlejohnslawns.com/
What’s the one operational leak in your business you know you need to fix this year? Leave your answer in the comments below.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
What can 60 days alone in Antarctica teach you about success, discipline, and the courage to become your full self? In this episode of The Money Isn’t Podcast, John Smallwood sits down with Akshay Nanavati, the Marine veteran who dragged a 420-pound sled 500 miles across the Antarctic ice, and Melissa Nanavati, a neuroscience-based relationship expert helping high performers build emotionally resilient partnerships.
Together, they break down how fear can become fuel, why stillness and solitude reveal your real identity, how relational courage impacts your energy and decision-making, and why internal patterns determine your capacity for long-term success. This conversation shows how self-mastery, and courageous partnership create the foundation for sustained achievement.
Chapters:
(00:00) Becoming the Full Version of Yourself
(02:07) Akshay’s Story: War, PTSD, and Hitting Rock Bottom
(03:35) Melissa’s Journey and the Science of Relational Courage
(06:27) Life After War and the Search for Purpose
(13:28) Inside the Seven-Day Darkness Retreat
(19:24) Training for 60 Days Alone in Antarctica
(26:25) Melissa’s Support System
(30:46) Designing Identity, Partnerships, and a Life You Want
(42:35) Emotional Regulation and Returning to Baseline
(51:29) Why Learning = Behavior Change
Connect with Akshay
Youtube: https://www.youtube.com/c/fearvana
Instagram: https://www.instagram.com/fearvana
Get Fearvana: https://www.amazon.com/FEARVANA-Revolutionary-Science-Health-Happiness/dp/1630476056
Connect With Mellisa
Instagram: https://www.instagram.com/melissananavati
Youtube: https://www.youtube.com/@PeakPerformanceLove
Website: https://www.melissananavati.com/
What identity shift did you need to make to reach your next level, in wealth, relationships, or life?
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Thousands of veterans are working hard while ignoring the benefits that could change their financial future overnight. VA attorney and disabled veteran Todd Wesche helps service members secure the VA disability compensation they earned. Veterans who think “I can still work, so I am not disabled” may be walking past seven figures of tax free, protected income over time. In clear, plain language Todd explains ratings, claims, and appeals so veterans can turn tinnitus, sinusitis, back pain, anxiety, PTSD, flat feet, and service-connected scars into real monthly compensation and long term financial stability.
In this Veterans Day episode, John and Todd cover what actually qualifies as a disability today, how the 0 to 100 percent rating scale pays, why your income does not affect compensation, and how to start with an intent to file. You will learn the simple blue line scan to identify claimable conditions, when to seek an increase or appeal, how retroactive pay works, and why Permanent and Total status can unlock additional benefits. They also map the opportunity cost of waiting, including how consistent, tax free payments can fund debt payoff, a business launch, or long term savings.
Chapters:
(00:00) Introduction
(04:04) The Mindset That Keeps Veterans From Filing
(12:11) Ratings, Payouts, and Why Income Does Not Matter
(16:22) Turning Benefits Into Long Term Wealth
(26:28) How to Identify Every Eligible VA Claim
(31:04) Increases, Appeals, and Retroactive Pay
(33:23) When to Seek Legal Help on Contingency
Work with Todd and his team: https://vetuslegal.com/
Connect with Todd
Youtube: https://www.youtube.com/channel/UCFg_sa6hHuqM3vmYjRBR4tQ
Instagram: https://www.instagram.com/vetswithbenefitspodcast/
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Many entrepreneurs don’t hit a ceiling because of their business but because of their mindset. William Lam is the founder of UPGRD, a performance company that helps entrepreneurs, investors, and wealth advisors reprogram the mindset patterns holding back their success. His work with top industry leaders has revealed that most “plateaus” aren’t business problems, they’re mental ones. Through cutting-edge neural conditioning and behavior modeling, William helps professionals install the mental software that matches the level of wealth they’re trying to sustain.
In this episode of The Money Isn’t Podcast, John Smallwood and William dive into the hidden loops that keep high achievers working harder but feeling stuck. They discuss why many business owners unconsciously recreate financial setbacks, how to build wealth that lasts by changing your mental model first, and how to align your environment, decisions, and identity with true abundance. You’ll walk away with a clearer understanding of what’s been quietly limiting your growth, and the mindset frameworks that unlock your next level.
Chapters:
(00:00) Introduction
(05:10) The Hidden Mental Loops That Block Wealth
(10:25) Motivation Without Crisis
(18:45) How to Align Your Mindset With Real Abundance
(26:40) When Intelligence Works Against Financial Success
(35:30) Designing the Life and Business You Actually Want
(45:15) Building Wealth That Lasts Through Better Thinking
To work with Smallwood Wealth Management visit https://Go.oncehub.com/swconcierge to schedule a call today!
Connect with William
Instagram: https://www.instagram.com/william.upgrd/
Youtube: https://www.youtube.com/@brokersofsecrets
UPGRD Website: https://upgrd.com/
Take the loop quiz: https://loop.upgrd.com/
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Many business owners mistake movement for progress and it’s costing them real profit. In this episode of Money Isn’t, John Smallwood sits down with Mike Arce, founder of Loud Rumor and host of the GSD Show, to unpack how the most efficient leaders triple results with one-third the effort. Mike built multimillion-dollar companies by teaching entrepreneurs to eliminate waste, master KPIs, and turn principles into scalable profit.
Together Mike and John discuss what the real job of a CEO is, how to fix broken sales follow-up systems, and the mindset shift that transforms “busy” into “profitable.” You’ll learn why efficiency isn’t about speed, it’s about clarity, what to measure, and how to deploy every dollar like a soldier that brings back more soldiers. This episode will help you see your business through a sharper lens, uncovering profit that’s been hiding in plain sight.
Chapters:
(00:00) Introduction
(05:20) The CEO’s Real Job: Clarity, KPIs, and Profit
(08:10) Efficiency Defined: Eliminate Waste, Not Time
(11:45) Growing Without More Leads: Fix Follow-Up and Call, Don’t Just Text
(16:20) Raising Rates With 3% Churn
(20:40) Operating Cadence That Scales
(25:35) Perspective Shifts That Change Behavior
(30:50) Money Strategy: Cash Availability and Opportunity Cost
(42:45) Principles That Travel and Results That Scale
What’s one area of your business that feels “busy” but not truly profitable? Let me hear your answer in the comments.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Mike Arce
Instagram: https://www.instagram.com/mikearcelive/
YouTube: https://www.youtube.com/@MikeArceLive
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Adam Williams is the Co-Founder and CEO of Elevest Capital, a private equity firm specializing in the acquisition and capital raising of multifamily real estate assets. With over 20 years of experience, from tax foreclosures to large-scale apartment syndications, Adam brings insight into how real wealth is built through disciplined investing, smart deal structures, and compounding returns.
In this episode of Money Isn’t John Smallwood and Adam unpack how business owners can turn active income into lasting wealth through multifamily investing. They cover the hidden risks of single-family rentals, how to vet operators and debt structures, and why diversified, cash-flowing apartment deals can outperform traditional investments. You’ll also learn how to find undervalued properties, use leverage intelligently, and build tax-efficient income that scales with time and experience.
Chapters:
(00:00) Big-Picture Financial Thinking
(06:22) The 2007 Crash and Shifting Toward Multifamily
(08:47) Paying to Learn: Mentorship in Commercial Real Estate
(13:36) Why Most “Passive” Rentals Lose Money
(16:15) Single-Family vs Multifamily: Understanding Real Returns
(21:13) Finding Discounts and Hidden Opportunities
(30:00) Real Estate Tax Advantages and 1031 Strategies
(35:22) Navigating Today’s Market Shifts
(42:10) Opportunity Zones, Risk, and Overhyped Deals
(46:11) Educating Investors and Free Tools for Beginners
What’s holding you back from building passive income? lack of time, lack of capital, or lack of the right strategy? Drop your answer in the comments below
Connect with the Adam Williams
Instagram: https://www.instagram.com/awinvests/
YouTube: https://www.youtube.com/@AdamWilliamsInvests
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
In this episode of Money Isn’t, John Smallwood sits down with Braven Grant, founder of GAINS, a natural supplement company revolutionizing creatine and holistic performance products. Braven shares his journey from small-town beginnings and early business failures to scaling GAINS into a multimillion-dollar brand.
Together they dive into the realities of entrepreneurship, why making millions doesn’t guarantee happiness, how mastering marketing and unit economics changed everything, and the subscription model that turned GAINS from stalled growth into explosive success. You’ll also hear Braven’s philosophy on progress, fulfillment, and building a business that truly serves people, not just profit.
Chapters:
(00:00) Introduction
(03:22) Why Millions Don’t Equal Fulfillment
(07:41) Growing Up in a Fitness & Faith-Based Family
(12:05) The Supplement Industry’s Synthetic Problem
(17:18) Launching GAINS and Early Struggles
(23:54) Buying Out Family and Taking Full Control
(30:11) The Turning Point: Marketing and Mentorship
(38:47) Subscription Model and Explosive Growth
What do you think matters more for entrepreneurs, hitting revenue milestones or building lasting fulfillment? Share your perspective in the comments.
Connect with Braven on
Instagram: https://www.instagram.com/bravengrant/
YouTube: https://www.youtube.com/@bravengrant
Gains Website: https://gainsinbulk.com/
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Estate planning isn’t just about wills and trusts, it’s about designing a strategy that protects wealth, reduces taxes, and preserves family legacy. In this episode of Money Isn’t, John Smallwood sits down with Michael Canarick, an estate planning attorney with deep expertise in taxation and multi-jurisdictional law.
From powers of attorney and revocable trusts to advanced tools like credit shelter trusts and SLATs, you’ll discover how to avoid probate, minimize taxes, and protect assets from divorce or creditors. Michael also explains how gifting strategies, state tax laws, and favorable trust jurisdictions can turn a basic estate plan into a true estate design, one that keeps more of your wealth in your family.
(00:00) Introduction
(03:12) Why Estate Planning Is More Than Just a Will
(07:36) The Essential Documents Everyone Needs at 18
(12:48) How Revocable Trusts Help You Avoid Probate
(19:55) Understanding Federal vs. State Estate Taxes
(27:40) Credit Shelter and QTIP Trusts Explained
(36:52) Gifting Strategies That Save Millions in Taxes
(46:05) Using SLATs and Advanced Trusts for Asset Protection
(57:28) Why Trust Jurisdiction Matters for Wealth Preservation
(01:08:10) Designing an Estate Plan
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
Connect with the Canarick Law team
Instagram: https://www.instagram.com/canaricklaw/
Website: https://canarick-law.com/
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Profit isn’t an outcome, it’s a choice. In this episode, John Smallwood sits down with Michele Williams, owner of Scarlet Thread Consulting and Metrique Solutions, and host of the Profit Is a Choice podcast. Michele is a trusted business coach and financial strategist who helps entrepreneurs gain clarity, master their financials, and design businesses that truly work for them.
Together, they cover practical strategies like reading your P&L with confidence, pricing without emotion, giving net profit a clear job description for taxes, reinvestment, debt, and owner pay, and using Michele’s “Lego method” to redesign your business so it finally supports the life you want.
Chapters:
(00:00) Introduction
(01:13) Early Lessons in Profit/Loss
(07:50) Losing Money, Boundaries, and Sustainability
(10:38) Separating Self From Business
(16:22) What Owners Must Track (And Why)
(24:29) Taxes, Reinvestment, Debt, Owner Pay
(31:24) Hiring, Accountability, and Culture Margins
(49:59) The Lego Method
After watching this episode, what's one boundary or policy you’ll implement this quarter to protect profit?
Connect with Michele on
Instagram: https://www.instagram.com/scarletthreadatl
YouTube: https://www.youtube.com/@scarletthreadconsulting8167
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Inflation, interest rates, and taxes are the trifecta that quietly shape your financial future. In this episode of Money Isn’t, John Smallwood explains how business owners and entrepreneurs can address these risks with holistic planning. Discover how small adjustments today can protect your capital, preserve purchasing power, and keep your wealth curve trending upward for years to come.
Chapters
(00:00) Introduction
(02:03) The Ongoing Pressure of Inflation
(04:07) Interest Rates: Relief Today, Risks Tomorrow
(07:00) How Inflation Compounds and Shrinks Purchasing Power
(09:41) The Double Hit of Lower Rates and Higher Taxes
(11:53) How Entrepreneurs Can Stay Ahead of All Three Risks
(13:34) Smarter Planning to Keep the Wealth Curve Rising
What strategies have helped you keep your business resilient against inflation and taxes? Share them in the comments.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
What can a family-owned fashion business teach us about building wealth, creating legacy, and navigating generational success?In this episode of Money Isn’t, John Smallwood sits down with Johnell Garmany, owner of Garmany in Red Bank, NJ, a 40,000 sq ft luxury fashion landmark. They explore how bold vision, customer-first culture, and resilience through crises turned a single store into a symbol of financial success and family legacy.
Beyond fashion, this conversation dives into the principles of building lasting wealth: strategic risk-taking, cultivating experiences over transactions, and aligning business growth with long-term legacy. For business owners and entrepreneurs, it’s a blueprint for turning enterprise into enduring wealth.
Chapters:
(00:00) Introduction
(02:01) From Manhattan Beginnings to Red Bank Expansion
(04:18) The 40,000 Sq Ft Leap
(07:21) Lessons in Family Business & Succession
(10:33) Customer Experience as a Wealth-Building Strategy
(19:50) Resilience Through Crises
(29:46) Red Bank’s Potential as a Luxury Destination
(40:04) Legacy, Innovation & The Next Chapter
What’s the most valuable lesson you’ve learned about turning business success into lasting wealth? Share your thoughts in the comments.
Instagram: https://www.instagram.com/garmanyofredbank/
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
The new “Big Beautiful Bill” is packed with tax breaks that could save business owners thousands, but only if you know how to use them. In this episode of Money Isn’t, John Smallwood unpacks the “Big Beautiful Bill” from expanded SALT deductions and bonus depreciation to the new QSBS exemption. Discover how these changes create opportunities to reduce taxes, protect profits, and build a financial blueprint that compounds wealth year after year.
Chapters:
(00:00) Introduction
(01:57) SALT deduction expansion
(03:10) QBI (199A): optimizing compensation
(03:45) Pass-Through Entity Tax (BAIT)
(04:29) Bonus Depreciation & Section 179
(05:46) stacking strategies to shelter gains
(06:28) Wealth blueprinting
Which provision of the new tax law do you think will have the biggest impact on your business? Share in the comments.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Many business owners are paying far more in taxes than they should, and the problem is only getting bigger with the 2025 tax sunset approaching. In this episode, John Smallwood reveals the critical mistakes entrepreneurs make when it comes to deductions, from missing out on the pass-through entity tax to underutilizing the Qualified Business Income (QBI) deduction. Discover how to stop financial leaks, prepare for upcoming law changes, and protect the profits your business works so hard to generate.
Chapters:
(00:00) Introduction
(02:09) Why Taxes Are the Greatest Wealth Leak
(03:13) Pass-Through Entity Tax and QBI Explained
(05:36) How State Taxes and SALT Caps Impact Businesses
(08:38) Tax Savings Strategies That Add Up
(09:18) Preparing for the 2025 Tax Law Sunset
(13:34) The Opportunity Cost of Missed Deductions
Business owners often miss deductions that could save thousands. Which tax strategy have you found most valuable? Share your experience in the comments.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
What if your passion could become the foundation for wealth, leadership, and lasting impact? John Smallwood welcomes Peter Terilli, a healthcare professional turned consultant and rugby executive whose leadership spans Monmouth Rugby, Elysium Rugby, and Jersey Shore Youth Rugby. With roots in physical therapy and experience connecting talent at Tandym Group, Peter brings a unique mix of healthcare insight, relationship-building, and organizational strategy. His passion for rugby has grown into a platform for philanthropy, disability awareness, and youth development.
In this conversation, John and Peter uncover how rugby’s culture of teamwork mirrors business and investing, building balanced teams like diversified portfolios, structuring organizations like strong asset strategies, and investing in community like compounding returns. This episode reveals how aligning passion with purpose can create financial resilience, leadership growth, and long-term impact.
Chapters:
(00:00) Introduction
(02:22) Peters Rugby Background
(05:07) From Physical Therapy to Consulting & Leadership
(10:09) Disability Advocacy & Awareness Through Rugby
(16:56) Founding Elysium Rugby & Building Community
(23:30) Rugby Lessons for Business & Teamwork
(33:45) Funding, Sponsorship & Strategic Growth
(42:50) Final Lessons: Networks, Wealth & Team Success
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
Check out Peters team: https://www.instagram.com/elysium_rugby/
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Sometimes the fastest way to grow your company’s profit isn’t by chasing new clients or squeezing margins, it’s by making internal moves that immediately increase profitability and long-term valuation. In this episode John Smallwood covers strategies for maximizing business profit through intelligent profit and loss management. From strategic pricing adjustments and boosting purchase frequency to cutting unnecessary costs and leveraging real estate, each move compounds into exponential gains. This is a blueprint for owners who want more income now and a significantly higher payout when it’s time to sell.
Chapters:
(00:00) Introduction
(03:15) How Price, Frequency, and COGS Shape Profitability
(08:46) Owner Compensation & Tax Efficiency Strategies
(13:28) Leveraging Real Estate for Profit and Valuation
(18:57) Asset Structure for Maximum ROI
(24:15) Optimizing Incentives for Growth
(28:42) Exit Planning and the Ripple Effect of Smart Moves
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Most business owners struggle with retention, and labor shortages, what if the most dependable hires in America were hiding in plain sight? In this episode of Money Isn’t, John Smallwood is joined by retired Army Colonel and workforce strategist Bernie Hyland. Bernie has helped major brands like Audi and Mercedes-Benz solve workforce gaps by tapping into one of the most underutilized resources in America: military veterans. He now leads ERS Elite and the Kia VTAP program, a national initiative connecting highly-trained veterans with companies that need talent they can count on.
This episode is essential for business owners, investors, and high-income professionals who see talent acquisition as a core pillar of long-term wealth preservation. Bernie lays out the exact systems that reduce turnover, lower hiring costs, and build elite loyalty into your team. You'll walk away with a new lens on hiring strategy, the ROI of apprenticeship models, and why veterans may be the most overlooked advantage in the modern economy.
Chapters:
(00:00) Introduction
(06:09) Understanding “Post-9/11” Veteran Opportunity
(11:03) Underemployment: The Hidden Financial Risk
(15:54) Military Leadership as Corporate Gold
(22:17) How Kia VTAP Revolutionized Technician Training
(29:31) The Turnover Crisis and How ERS Elite Solved It
(36:12) The Financial ROI of Apprenticeship Hiring
(45:26) How ERS Is Expanding Beyond Automotive
(55:44) Final Takeaways: Building Talent to Protect Wealth
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
Connect with Bernie
YouTube: https://www.youtube.com/@ersinc.7212
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
You wouldn’t let someone else choose your career, your home, or who you marry, so why let someone else shape your financial future? In this episode, John Smallwood breaks down why creating a personal wealth plan is the most important step in protecting your future, no matter how much money you have. He explains why most people delay planning until it's too late, how to truly invest in yourself, and why financial clarity starts long before you invest a single dollar. This episode is the perfect starting point for anyone looking to take control of their financial future.
Chapters
(00:00) Introduction
(01:32) What It Means to Truly Invest in Yourself
(03:38) The Wealth Curve Blueprint Explained
(05:09) Maximizing What You Already Have
(06:03) Why Great Plans Still Need Adjusting
What is the number one way you invest in yourself ? Leave your answer in the comments!!
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Market Fluctuations don’t disappear with time, they compound, and a single market crash can destroy decades of growth. In this episode of Money Isn’t, John L. Smallwood breaks down one of the most misunderstood risks in retirement: one-year volatility. He reveals why market dips late in your investing life can be devastating, even if you’ve been “in the market” for 20 years. John shares a smarter way to build buffers, protect gains, and avoid mistakes that cost investors millions. Learn how to diversify with tools like annuities, cash positions, and planning for macroeconomic shocks. If you’ve built wealth, this episode is essential to keeping it.
Chapters
(00:00) Introduction
(01:28) Why $1M Can Suddenly Drop 40%
(03:47) How Sequence of Returns Can Ruin Your Retirement
(05:23) The Devastating Impact Of Selling During a Crash
(07:54) You Don’t Actually Get the Average Market
(09:36) Diversification Should Be Unique To You
(11:54) Conclusion: Understanding Full Spectrum Of Risk
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule call today!
Most retirees don’t realize they could be walking into a tax trap. In this episode of Money Isn’t, John L. Smallwood breaks down how Social Security benefits are taxed, why deferring income can backfire, and the strategic moves high-net-worth individuals can make today to avoid unnecessary taxes in retirement. Learn how to time distributions, leverage Roth conversions, and optimize your tax bracket while it’s still favorable. This episode is essential for anyone focused on tax-efficient wealth preservation and retirement planning.
Chapters:
(00:00) Intro
(04:27) When Deferral Works and When It Doesn’t
(07:13) Tax-Free Withdrawals: When and How
(09:10) Understanding the 85% Rule for SS Tax
(12:21) Missed Opportunities in Low-Tax Environments
(14:08) Roth Conversion Timing and Impact
(15:16) 2026 Sunset and Tax Law Shifts
(17:27) Final Takeaway: Move From Future Tax to No Tax
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule call today!
Most high earners don’t realize they’re underinsured, until it’s too late. In this episode of Money Isn’t, John Smallwood sits down with Aaron Levine, CEO of LG Insurance Agency, to expose the hidden risk undermining high-net-worth portfolios: underinsurance. With a deep background in helping affluent individuals and business owners, Aaron shares the essential coverages most people ignore, like umbrella policies, cyber protection, and employment liability insurance, and explains how small oversights can lead to massive financial loss.
You’ll hear real-world stories of denied claims and overlooked risks that cost families and companies everything. But more importantly, you'll walk away with clear strategies for building a smart, comprehensive protection plan. This episode reframes insurance as a strategic wealth preservation tool, not just an expense, and shows how the right team can protect your legacy from silent financial threats.
Chapters:
(00:00) Introduction
(05:12) The Real Cost Of Being Underinsured
(09:42) Lessons from the Slippery Slope Of Wealth
(17:03) What Makes A “Bad” Umbrella Policy Dangerous
(23:05) Business Owner Red Flags: EPLI, Cyber, And Buy-Sell Gaps
(29:09) Building Wealth During a Recession: Aaron’s Startup Story
(35:00) Insurance Is A Necessary Expense
(42:00) Co-Insurance Penalties And The Myth of Self-Insuring
(47:01) Final Takeaways: Mindset, And The Right Team
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Aaron Levine
YouTube: https://www.youtube.com/@luxurygroupins%E2%81%A9
Instagram: @luxurygroupins @theaaronlevine
Email: aaron@lginsuranceinc.com
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Is your portfolio underperforming, even when the market’s up? In this episode of the Money Isn’t podcast, John Smallwood reveals how the velocity of money, market concentration risk, and sequence-of-returns danger are silently undermining even “smart” investment strategies. With over 35 years in financial planning, Smallwood explains why stagnant capital leads to higher taxes, greater exposure, and lower long-term returns, and how most people unknowingly build portfolios with no liquidity and no true defense.
You’ll discover why today’s S&P 500 is historically risky (with 36% of market value concentrated in just 10 stocks), why high PE ratios signal caution even in growth sectors, and how a seemingly solid $500K retirement fund could dwindle to $23K when withdrawals are mistimed. Smallwood offers a smarter approach: one that blends diversified tax structures, proactive liquidity planning, and a balance of offense and defense. If you're serious about building resilient, tax-efficient wealth that lasts through market cycles, this conversation is your blueprint.
Chapters:
(0:00) Introduction
(3:44) Stagnant Capital, Hidden Costs, and Missed Growth
(8:12) The Top 10 S&P Stocks Now Control 36%, Should You Worry?
(11:04) The Retirement Trap: A $500K Case Study from 1999
(14:25) Offense Without Defense: The Fatal Flaw in Most Portfolios
(17:00) PE Ratios Are Rising So What Does That Really Mean?
(19:48) R&D, Free Cash Flow, and the Upside of Concentration
(22:51) Offense + Defense = The Only Real Financial Strategy
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconciergeand schedule a free call today!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
What if your biggest financial breakthrough comes from hitting rock bottom? Rob Thompson shares his remarkable journey, from early poverty and financial missteps to leading multimillion-dollar organizations built on shared success. After facing one of the darkest seasons of his life, Rob completely reframed his identity, purpose, and path forward how he approached money, leadership, and personal growth. His story is a blueprint for transforming adversity into lasting financial stability.
Listeners will learn how aligning values with financial strategy can create generational wealth, why matching employee retirement contributions unlocks organizational loyalty, and how accountability builds sustainable teams. This episode delivers practical financial insights from a leader who’s built success by investing in others. Whether you’re scaling a business, restructuring your finances, or seeking a stronger leadership edge, this episode is for you. Rob Thompson has delivered over 7,000 talks, authored 37 books, and helped thousands unlock financial independence through mindset, mentorship, and structured systems.
Chapters:
(0:00) Introduction
(3:50) The Decision to Prosper and Bring Others With You
(8:12) Creating Systems for Shared Financial Success
(13:45) Breakdown Before Breakthrough
(18:48) Personal Disciplines That Strengthen Financial Foundations
(24:10) How Rob Found True Alignment
(31:05) Leadership Without Ego: Why Teams Matter Most
(36:20) Empowering Others Without Building Dependency
(43:33) Managing Growth Without Losing Your Values
(50:15) Vision and Designing a Life That Impacts Generations
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule call today!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
To Hear More from Rob Thompson you can find him on these platforms .
Instagram- https://www.instagram.com/robb.thompson/?hl=en
Youtube - https://www.youtube.com/@RealRobbThompson
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Big tax changes are coming and most people have no idea how much it could cost them. In this episode, John L. Smallwood breaks down the real-world impact of the 2017 Tax Cuts and Jobs Act expiring, what that means for your deductions, your tax bracket, and your long-term financial outcomes. Whether you're a high-income W2 employee or a small business owner, this conversation reveals how your tax liability can increase dramatically and why it's critical to take action now to avoid major losses.
With over 35 years of experience in financial planning, John explains why reactive strategies fall short and how a proactive, integrated approach can help protect your wealth from legislative changes. If you're serious about maximizing what you keep, not just what you earn, this episode is your guide. Like, comment, and subscribe to stay informed and stay ahead.
Chapters
(0:00) Introduction
(1:05) Stop Being Reactive with Your Wealth
(2:30) Understanding the 2017 Tax Cuts and Job Act Sunset
(4:55) SALT Deduction Myths That Are Costing You
(8:40) How Tax Law Changes Affect High-Income Earners
(10:15) What Business Owners Need to Know About 199A
(11:40) The Overlooked Tax Break: Pass Through Entity Tax (PTE)
(12:50) Real Estate and State Tax Impacts in High Tax States
(15:15) The Real Opportunity Cost of Overpaying Taxes
(16:00) Final Thoughts on Proactive Wealth Planning
Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodwealth.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-pageConnect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook:https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Most financial plans fail because they focus on goals, not strategy. In this episode of Money Isn’t, we break down why integrated financial planning matters and how breakthrough thinking can unlock wealth you didn’t know was possible. You’ll learn how to avoid costly mistakes, connect every financial decision, and build a strategy that actually adapts to life.
John P. Smallwood, Accredited Investment Management Consultant and co-founder of Smallwood Wealth Management, shares timeless insights from the 90s alongside modern strategies for navigating taxes, setting ambitious goals, and preserving wealth for the long term.
Chapters
(00:00) – Introduction
(00:37) – Evergreen Financial Lessons for Building Long-Term Wealth
(07:39) – Breakthrough Thinking in Business, Finance & Legacy Planning
(10:34) – Using Nonlinear Models to Solve Personal Finance Challenges
(14:43) – Filtering Financial Products to Avoid Wealth Erosion
(17:30) – Spotting Financial Leaks with Integrated Planning Tools
(24:42) – Generational Wealth, Tax Strategy & Multi-Decade Planning
(32:56) – Real-Life Financial Leakages & Personalized Wealth Blueprints
(40:07) – The Wealth Curve Blueprint: Financial Assumptions & Forecasting
(44:44) – Lifelong Financial Planning with Evolving Tools & Timeless Principles
Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodwealth.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-pageConnect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Is AI taking your job or making you a better leader? In this high impact episode of Money Isn’t, John Smallwood unpacks how artificial intelligence is transforming leadership, strategy, and productivity. AI is not replacing people, it is replacing inefficiency. Learn how to stay relevant by thinking strategically, mastering adaptable skills, and treating AI as a powerful partner instead of a looming threat.
Geoff Woods, bestselling author of The AI Driven Leader, shares game changing insights from his journey scaling billion dollar businesses and coaching executives. He introduces frameworks like CRIT to help leaders cut through busywork, realign teams, and solve complex problems with precision. Whether you are just learning to prompt or building an AI strategy for your company, this conversation delivers practical tools and future ready thinking.
Chapters
(00:00) Introduction
(02:30) Geoff Woods’ Journey to AI Leadership
(08:22) Discovering ChatGPT: The Turning Point
(12:24) How AI Helped Save a Dying Company
(14:12) CRIT Framework: The Right Way to Prompt AI
(19:56) The 10x Opportunity: Stop Doing 80% of Your Job
(22:53) Harvard Study: AI Boosts Speed, Quality, and Output
(26:01) Building an AI Advisory Board (Yes, with Jeff Bezos)
(30:29) Inside the AI Leadership Collective
(39:25) Leading a Team in an AI-Enhanced Culture
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodwealth.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Most people think they need better investments to build wealth. What they actually need is a better plan. In this episode, John Smallwood breaks down how small financial leaks like overspending, poor tax planning, uncoordinated strategies, quietly destroy long-term wealth.
You’ll learn how to align your saving, spending, and income into a system that builds momentum. It’s not about picking the perfect product. It’s about making your money work together.
If you want to grow your net worth without guessing, this episode is for you.
Chapters
(00:00) Introduction to Wealth Accumulation and Financial Psychology
(11:08) Mastering Wealth Management by Identifying Financial Leaks
(18:11) Swinging for Wealth: Why Coordination Matters More Than Products
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Most people won’t realize they’ve messed up their retirement plan until it’s too late.
In this episode, two seasoned financial advisors drop hard truths about what it really takes to retire comfortably, and why starting early isn’t optional. Rob Marks joins John Smallwood to expose the traps most people fall into, from chasing hot stocks to waiting for “the right time” to save.
This episode is packed with powerful insights that go way beyond budgeting tips. Rob and John pull back the curtain on how psychology, trust, and long-term thinking shape real financial success. If you care about building a life where money works for you, this conversation is essential.
Chapters
0:00 Introduction
1:36 Navigating Financial Planning Education
7:01 Why Early Financial Planning Changes Everything
24:39 The Power of Starting Young With Investing
36:02 Stock Picking vs Diversification
47:10 Gratitude and Relationships in the Digital Age
Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Most people think life insurance is for when you die, but what if it could help you retire smarter, reduce taxes, and beat the stock market?
In this episode, seasoned financial advisor John Smallwood breaks down how the wealthy use life insurance as a tool for retirement planning, tax mitigation, and asset liquidity. He goes beyond the basic term vs. whole life debate and dives deep into how strategic 10-pay and 20-pay whole life insurance policies are structured to create cash value, generate tax-free retirement income, and hedge against stock market volatility.
Whether you're a business owner, a high-income earner, or just thinking seriously about the future, this episode will change the way you look at insurance and long-term financial planning.
Chapters
00:00 – Why Start Life Insurance Young?
01:52 – Strategy Over Product: Coordinating Tools
02:55 – Life Insurance vs. Stock Market Volatility
04:06 – Comparing Whole Life, 10 Pay, and 20 Pay
06:00 – Real Case Study: With vs. Without Life Insurance
12:00 – Term vs. Whole Life: Pros and Cons
14:30 – Liquidity and Cash Value in Retirement
22:00 – Tax & Risk Management with Life Insurance
28:50 – Life Insurance for Income Stability & Legacy
Like, comment, and subscribe for more insights like this every week.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Most people get life insurance completely wrong and it’s costing them their future. In this episode of Money Isn’t, John Smallwood breaks down the truth about whole life insurance: what it is, why it matters, and how it can be a powerful tool for long-term wealth, tax-free income, and market-proof retirement planning.
Forget the one-size-fits-all advice. Term insurance may seem cheaper, but it often leaves people unprotected when they need it most. John exposes how traditional financial strategies fail under real-world pressure, and why a holistic plan that includes whole life coverage can safeguard your income, protect your investments, and build lasting security.
Chapters:
0:00 – Why Most Financial Plans Fail
2:23 – Breaking Down Complexity in Financial Planning
5:06 – Outdated Strategies That Undermine Your Future
7:47 – How Insurance, Tax Strategy, and Wealth Planning Work Together
44:10 – Using Whole Life to Build Real Financial Strength
Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Cocktails are having a renaissance, and it's not just about what's in the glass. It's about community, culture, and storytelling.
In this episode of Money Isn’t, John Smallwood sits down with Diana Pittet, president of the U.S. Bartenders Guild's Central New Jersey chapter and co-founder of Night Owl Hospitality. Together, they explore how cocktails connect people across time and culture, from Roman taverns to modern bourbon tastings. You’ll discover how whiskey evolved from ancient preservation methods to a refined expression of identity and craft, and why surf trips to Sri Lanka and Brazil shaped Diana’s approach to hospitality.
Diana’s journey from Latin teacher to cocktail educator is as unexpected as it is inspiring. She’s taught graduate seminars on 9,000 years of alcohol history, led walking tours about Prohibition, and built an entire career around the idea that drinks are about more than flavor. They’re about connection. This conversation blends stories from the field with deep dives into whiskey aging, Scotch styles, the Paper Plane cocktail, and the revival of bartending post-Prohibition.
Chapters:
00:00 Introduction
01:49 Surfing, Travel, and Cultural Discovery
03:27 Cinco de Mayo, Tequila, and Modern Mixology
05:11 Whiskey and Community Throughout History
11:13 Distilling Whiskey from Grain to Spirit
29:52 Bourbon Cocktails and Their Revival
42:56 Cocktail Culture, Hospitality, and Storytelling
44:32 The Communal Power of Whiskey and Bars
Maximize the value of your business without adding overhead or burning out your team.
In this episode, John Smallwood breaks down the real strategies that shift businesses from average to exceptional, focusing on smart planning, client retention, and profit-centered decision making.
If you are a business owner looking to exit profitably or sharpen your company’s financial edge, this conversation will change the way you approach growth. From adjusting pricing to improving client loyalty, John explains how small strategic shifts can lead to massive results.
As a seasoned financial strategist and the founder of Smallwood Wealth, John brings decades of experience advising entrepreneurs on how to protect, grow, and ultimately sell their businesses for maximum value. His insights in this episode are designed to help you make more intelligent decisions, retain more clients, and build a business that works for you, not the other way around.
Chapters:
0:00 Introduction
2:41 Understanding Your Business Position
16:28 Boosting Profitability with Pricing and Retention
33:10 Quality Control and Operational Cost Strategy
45:12 Planning for Long-Term Growth and Exit
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Most business owners assume their LLC offers complete protection. The truth? Gaps in your structure could put everything you’ve built at risk.
In this episode, Tim Lyons, a partner and co-chair of the Business Litigation Department at Jardim Meisner Salmon Sprague & Susser, P.C., breaks down the real risks that leave entrepreneurs vulnerable. Tim is a certified civil trial attorney specializing in business governance, liability protection, and partnership disputes. He has been designated by the Supreme Court of New Jersey as a Certified Civil Trial Attorney, an honor given to less than 2% of attorneys in New Jersey, and is a lifetime member of the Million Dollar Advocates Forum, a prestigious group of trial lawyers.
With years of experience in complex commercial disputes, Tim shares invaluable insights on the complexities of business ownership and the importance of protecting your personal assets through the right legal structures. From inadequate insurance to overlooked governance flaws, Tim also warns of the hidden liabilities most entrepreneurs miss and the critical steps you can take to avoid them.
As business owners near retirement, Tim stresses the importance of revitalizing business value through strategic planning and sound financial management, ensuring that their legacy is properly protected.
Tim holds a Juris Doctor from Seton Hall University and has represented clients in both state and federal courts, focusing on issues like breach of contract, business torts, and company disputes. His experience and insights are essential for any business owner looking to safeguard what they’ve built.
Chapters:
00:00 Introduction
2:27 Why LLCs Aren’t Bulletproof
5:00 One Legal Mistake That Nearly Destroyed a Business
7:00 The Hidden Liabilities Most Entrepreneurs Overlook
9:38 How Poor Governance Drains Wealth
26:38 Partnership Pitfalls That Cost Business Owners Millions
44:13 Protecting Business Value Before Retirement
45:47 When Relationships Go Sour: Legal Lessons for Owners
51:03 Building a Defense-Ready Business Team
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodwealth.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
In this episode of Money Isn’t, John Smallwood breaks down how your choice of LLC, S Corp, or C Corp impacts far more than taxes—it affects cash flow, valuation, and your long-term financial outcomes. Most entrepreneurs don’t realize how much money they’re leaving on the table simply by reacting at tax time instead of planning ahead.
Want to know how high-income earners legally reduce taxes and protect their wealth through structure alone? Or why your exit plan should dictate your entity type from day one? This episode gives you the framework to start thinking like a strategist—not just a business owner.
Chapters
00:00 – Introduction: Why Entity Structure Is a Financial Strategy
17:19 – Choosing the Right Business Structure for Tax Efficiency
19:55 – Tax Planning That Protects and Preserves Wealth
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
John Smallwood sits down with Sean Walsh, a seasoned business expert and financial strategist, as they dive deep into the critical financial pitfalls that many businesses overlook. From revenue leakage and inaccurate bookkeeping to securing business loans and optimizing financial processes, this conversation provides actionable insights that can make or break a company’s future.
Sean shares real-world case studies, highlighting challenges like a country club struggling with unpaid bills and businesses failing to reconcile sales estimates with actual revenue. They discuss why precise bookkeeping is essential for securing favorable lending terms and maximizing business valuation, while also addressing common retirement planning misconceptions.
For business owners, entrepreneurs, and financial professionals, this episode is a masterclass in financial stewardship, offering strategies to strengthen financial operations, improve cash flow, and build a more resilient business. Don’t forget to like, comment, and subscribe for more expert insights.
Chapters:
(00:00) Intro
(02:44) Cash Management and Revenue Leakage
(06:08) Financial Accuracy for Business Lending
(08:41) Managing Payment Issues at the Country Club
(13:04) Business Revenue Management
(38:38) The Disconnect Between Sales Estimates and Actual Revenue
(41:14) Mastering Financial Management
(57:37) Retirement Planning Myths and Insights
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodwealth.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Transform your financial mindset—wealth isn’t just numbers, it’s strategy.In this episode, we break down the difference between net wealth and net worth, showing you how to shift your focus to long-term financial growth. Learn why diverse income streams, small daily actions, and the right mindset can unlock real financial success.
With over 30 years of hands-on experience, John Smallwood has helped countless professionals and entrepreneurs build lasting wealth. His insights in this episode will change the way you think about money, investments, and your financial future.
Chapters:
00:00 - Introduction
01:36 - Navigating Market Fears: The Perils of Timing and Cash Withdrawal
03:40 - The Power of Staying Invested: Long-Term Growth vs. Market Timing
06:00 - Navigating Market Volatility: The Role of Strategic Investment
10:09 Understanding Tax Strategies and Financial Planning
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Join us as we sit down with interior designer Anastasia Harrison, whose background in architecture and sustainability has shaped her unique approach to design. She shares her journey from corporate stability to launching her own business, navigating the financial and emotional hurdles along the way. Anastasia breaks down the evolution of sustainable architecture, the importance of balancing beauty with environmental responsibility, and the role of strategic planning in scaling a brand. If you’ve ever considered taking the leap into entrepreneurship or want to understand how sustainability and design intersect, this episode is for you. Learn how to create unforgettable client experiences, set actionable goals, and push past self-doubt to build a life you love.
Chapters
(00:00) Intro
(01:37) A Journey Through Design: From Architecture to Interior Design
(03:32) The Rise of Sustainable Architecture and LEED Certification
(05:12) Evolution of Sustainability Standards in Corporate Practices
(06:51) Balancing Passion with Parenthood
(17:07) The Art of Delegation and Design
(28:54) Enhancing Business Through SOPs
(34:40) Designing Relationships and Retail Success
(45:46) Revitalizing Dreams: The Journey of Transformation
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
You asked, we’re answering. In this episode, we’re reacting to your toughest comments and biggest questions about retirement planning. From misconceptions about market returns to the hidden dangers of inflation, we’re setting the record straight and diving deeper into the strategies that actually secure your financial future.
Smallwood Wealth financial advisor Rob Marks returns to clarify the confusion, challenge assumptions, and offer actionable advice for building a retirement plan that lasts. He breaks down why average returns can be misleading, how personal inflation can quietly erode your savings, and the strategies that can safeguard withdrawals during market downturns. Plus, Rob shares how to build a backup plan for financial stability, no matter what the market throws your way.
Chapters
0:00 Intro
2:38 Reacting to Market Return Misconceptions
7:02 How Personal Inflation Impacts Your Savings
12:52 Addressing Uncertainty in Retirement Planning
16:05 Lessons from 1984: CDs and Economic Shifts
27:07 Transitioning Smoothly into Retirement
30:33 Strategies for Withdrawals During Market Downturns
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodwealth.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Ever wonder if making more money really leads to a happier life? John Smallwood is joined by Edward Bao—senior wealth advisor at Smallwood Wealth with 16 years of Wall Street experience—to shine a light on the realities behind wealth, success, and personal growth. You’ll hear how the high-stakes world of floor trading evolved into today’s electronic markets, and why empathy, mindset, and emotional intelligence might be the real game-changers for your financial future.If you’re craving a down-to-earth take on money that goes beyond numbers and deep into what truly matters, you won’t want to miss this.
Chapters:
00:00 Intro
01:47 The Shift from Floor Trading to Electronic Markets
04:32 Navigating the Challenges of Trading and Technology
06:27 The Value of Money and Personal Growth
25:07 Reflections on Growth and Financial Evolution
43:41 Rethinking Investment Strategies
57:54 The Power of an Open Mind
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodwealth.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
In relationships, financial harmony and mutual support are crucial. But what happens when passion, well-being, and vision collide? In this episode, we explore how thriving partnerships balance financial teamwork, personal fulfillment, and shared goals. From navigating the delicate interplay between passion and practicality to understanding the role of giving in relationships, this conversation offers insights into building strong, enduring connections.
Veronica Scanlon, a client of Smallwood Wealth Management, shares her perspective on how music, finance, and relationships intertwine. She dives into the importance of balancing a big-picture vision with detail-oriented execution, especially when working as a team. Learn how adaptability, optimism, and strategic collaboration can drive success, whether in personal growth or financial decision-making.
Chapters:
(00:00) Intro
(02:54) Passion, Well-Being & Financial Harmony
(04:57) Balancing Vision & Detail for Success
(06:57) Teamwork & Adaptability in Financial Growth
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Rob Marks returns to break down why market timing is one of the biggest mistakes investors make—and how to stay ahead with a smart, long-term investment strategy. If you’ve ever felt the urge to pull your money out when markets dip, this episode will change the way you think about volatility, wealth preservation, and tax-efficient planning.
Rob, a Certified Financial Planner at Smallwood Wealth Management, dives into the psychological traps investors fall into, the hidden risks of holding too much cash, and how to build a financial plan that weathers market uncertainty. With decades of experience, Rob explains why the best days in the market often follow the worst—and how missing them can cost you big. Plus, he shares expert tax strategies to maximize your retirement savings.
Chapters:
00:00 Introduction
01:36 Why Market Timing is a Costly Mistake
03:40 Long-Term Growth vs. Emotional Investing: The Power of Staying Put
06:00 Handling Market Volatility: Smart Strategies for Investors
10:09 Tax Strategies to Protect & Maximize Your Wealth
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Are you chasing success only to find it feels empty? In this episode, we explore the paradox of wealth, identity, and fulfillment with a corporate executive-turned-songwriter who walked away from the rat race to pursue passion and authenticity. We dive deep into how societal expectations shape our values, why money can become an addiction, and how genuine human connection holds more value than financial success. Through personal stories and reflections, we uncover the true cost of ambition and the transformative power of giving.
James D. Scanlon spent 25 years in corporate real estate before realizing that the life he built didn't align with his true self. One night in 2008, he wrote a song that set him on a new path—one that embraced creativity, storytelling, and the search for meaning beyond material wealth. Now an author and songwriter, he shares his insights on emotional songwriting, the "hole in the heart" metaphor, and the importance of surrounding yourself with givers, not takers. His journey is a testament to the idea that success without purpose is hollow, but embracing your true calling can change everything.
Chapters:
00:00 - Intro
02:41 - The Paradox of Money and Identity
05:06 - Luxury, Ambition, and Reflection
09:33 - The Evolution of Songwriting
13:22 - The Journey of Creation and Connection
31:37 - Navigating Emotions and Relationships
42:14 - Embracing Authenticity Through Giving
46:50 - Legacy of Love and Transformation
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth:https://smallwoodassociates.com
Schedule a free 15 minute introduction:https://go.smallwoodassociates.com/consult-page
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
The 4% rule is one of the most well-known retirement strategies, but is it really the safest approach? In this episode, we break down the truth behind withdrawal rates, the risks of overspending, and how market volatility could derail your financial future if you're not careful. You'll learn why a million-dollar nest egg isn’t always enough, how to make the most of Social Security benefits, and the critical role of diversification in sustaining long-term wealth.
Rob Marks, a wealth advisor at Smallwood Wealth Management, shares expert insights on navigating retirement planning pitfalls. He explains how to align your spending with a realistic financial strategy, assess lifestyle costs, and avoid the common mistakes that leave retirees struggling. With decades of experience helping clients protect, grow, and enjoy their hard-earned assets, Rob provides actionable steps to create a plan that truly works for you.
Chapters:
(00:00) Intro
(01:32) The Truth About Retirement Withdrawal Rates
(05:03) Hidden Risks of High Withdrawal Rates
(08:26) Social Security Secrets You Need to Know
(10:20) Mastering the 4% Rule for a Secure Retirement
If you’re serious about securing a stable financial future, this episode is a must-watch. Learn how to optimize your withdrawal strategy, maximize Social Security benefits, and build a resilient portfolio that can weather market downturns. Drop a comment below with your biggest takeaway, and don’t forget to like, subscribe, and turn on notifications for more expert insights!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
The key to long-term business success isn’t just strategy—it’s teamwork, accountability, and transparency. Too many businesses struggle with aligning leadership, sales, and support teams, but the secret to profitability lies in collaboration and setting high expectations. In this episode, we explore how incentive structures, financial transparency, and strong leadership can drive high performance and create a culture of ownership.
Alex Freytag, founder of ProfitWorks and expert EOS (Entrepreneurial Operating System) facilitator, shares his insights on empowering teams, fostering accountability, and eliminating entitlement mindsets. He breaks down how businesses can use incentive plans tied to company profitability to encourage collective success. Learn how setting ambitious goals like BHAGs (Big Hairy Audacious Goals) can transform performance, and why clear financial communication is essential for engagement and motivation.Chapters:(00:00) Intro(01:58) How Businesses Can Drive Profitability(17:08) The Leadership Formula for Growth(30:02) Why Sales and Support Must Work Together(36:13) Turning Business Struggles into Success(43:36) The Key to Empowering TeamsEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
You’re playing too small. In this episode, we explore how billionaires think, make decisions, and embrace failure as a stepping stone to exponential growth. Aaron Bare reveals the mindset shifts that separate high achievers from the rest, showing why expanding your vision is crucial for success. Drawing from his experience coaching billionaires and working with industry disruptors, Aaron shares how leaders like Elon Musk leverage audacious goals, innovation, and calculated risks to transform industries. If you’re ready to think bigger and challenge your limits, this episode is for you.Aaron Bare is a globally recognized change agent, bestselling author of Exponential Theory: The Power of Thinking Big, and a trusted advisor to top executives and industry leaders. With a career spanning nearly 100 countries, he’s helped Fortune 500 companies, startups, and entrepreneurs embrace exponential thinking to drive innovation and scale. Aaron specializes in helping leaders break subconscious barriers, build visionary teams, and create a culture of strategic dissent that fosters breakthrough ideas.Chapters:(00:00) Intro(01:39) How Billionaires Think Differently(04:20) Mastering Personal & Professional Growth(06:54) Visionary Leadership in Action(24:54) The Wealth Mindset: Harnessing Big Ideas(32:30) Why Embracing Failure Fuels Success-------------------------------------------------------------------Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Discover how the 2025 tax changes could reshape your financial future. From the sunset of the 2017 Tax Cuts to strategies for handling capital gains, retirement planning, and business finances, this video dives into the tax implications for high-income earners, retirees, and business owners. Learn proactive tax planning tips, maximize savings, and reduce liabilities. Don't wait—stay informed and take control of your wealth strategy.
Understand how tax brackets, deductions, and capital gains impact your wealth. Explore strategies like deferrals, simulations, and tax-efficient savings to avoid financial pitfalls. Whether you're planning for retirement or navigating complex business finances, these insights will help you make smarter financial decisions in 2025 and beyond.
Chapters:
(00:00) Introduction
(26:53) Tax Strategies for High Earners
(40:26) Business Finances & Taxes
(51:58) Secure Financial Decisions
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
From the ring to real estate, dive into the journey of overcoming financial struggles, shifting mindsets, and embracing personal growth. Explore how early money beliefs and emotional intelligence shape wealth-building decisions, with actionable insights to transform your approach to success.
Michael Mahoney, former boxer and real estate entrepreneur, shares his inspiring story of resilience and reinvention. He discusses navigating the challenges of short-term rental arbitrage, lessons from Las Vegas during the pandemic, and the critical role of mindset in achieving holistic success. As a performance coach and CEO of Edutive, Michael's insights will leave you empowered to take charge of your financial and personal future.
Chapters
(00:00) Intro
(01:56) Boxing to Real Estate: Michael’s Journey
(13:41) Overcoming Real Estate Challenges
(20:58) Las Vegas and the Pandemic’s Impact
(27:14) Shadows and Transformation
(40:43) Financial Mindset Breakthroughs
(51:19) Personal Development and Unlocking Potential
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Are you ready to master wealth-building in 2025? In this episode, we unveil the ultimate formula for financial success by aligning your income, savings rate, and lifestyle to create sustainable wealth. Discover how adopting a wealth mindset transforms not just your bank account but your entire approach to financial planning. Most people wait for more money to start planning, but this mindset can leave you stuck. Learn how to break free, optimize your financial elements, and achieve the freedom you deserve.
John Smallwood, a leading expert in wealth management, explains why balance and consistency are the secrets to compounding wealth over time. By understanding the interplay between income, tax optimization, and long-term strategies, you’ll gain the tools to unlock exponential growth. Whether you’re new to wealth-building or refining your strategy, this episode is packed with actionable insights to take your finances to the next level.
Chapters:
(00:00) Introduction: The Only Formula You Need to Build Wealth in 2025
(02:00) Aligning Income, Savings, and Lifestyle for Success
(06:30) Mastering Tax Balance and Long-Term Wealth Strategies
(10:00) Wrapping It All with a Wealth Mindset
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Want to maximize your retirement savings and secure your financial future? In this episode, financial expert John L Smallwood challenges traditional retirement planning assumptions and reveals lesser-known strategies for wealth building. Discover why your current 401(k) and IRA approach might be costing you in hidden fees and taxes, and learn how smart term life insurance decisions could dramatically impact your wealth preservation. From insurance conversion tactics to tax-efficient investing tips, Smallwood breaks down complex concepts into actionable insights. Whether you're starting your financial journey or looking to enhance your current strategy, these powerful perspectives on insurance timing and tax advantages could reshape how you think about building long-term wealth.Chapters(00:00) Intro (09:40) Navigating Life Insurance Choices and Quality(12:03) Understanding Wealth Accumulation and Financial(37:09) Rethinking Financial Planning for a Secure RetirementEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!-------------------------------------------------------------------Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroductionThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Are you ready for the AI revolution? This episode dives into how cutting-edge technologies like AI, robotics, and genetics are reshaping industries and unlocking human potential. Learn how you can leverage these innovations to stay ahead in a rapidly evolving world.Jonathan Foltz, a futurist and serial entrepreneur with over 30 companies and $100 million in revenue, shares insights on the GNR revolution (genetics, nanotechnology, and robotics), conscious leadership, and the future of artificial general intelligence (AGI). Discover how AI can enhance creativity, streamline business operations, and bridge generational gaps.Tune in to explore practical strategies for adopting AI early, fostering collaboration, and driving personal and professional growth.Chapters(00:00) Intro(01:35) Embracing the AI Revolution(17:00) Embracing AI for Everyday Enhancement(21:03) Harnessing Human Potential Through AI(38:02) Authenticity in the Age of Web3(43:29) Navigating the Future of AGI(54:05) Bridging Generations Through AI Learning(56:24) Unleashing Creativity and Automating Business with AIEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!-------------------------------------------------------------------Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroductionThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Wealth isn’t just about numbers—it’s about mindset, strategy, and adaptability. In this episode, John Smallwood, financial advisor and wealth-building expert, dives deep into the essentials of creating a flexible, long-term financial plan.
Discover how to proactively navigate the complexities of wealth accumulation, adapt to changing incomes, and overcome fears that can derail your financial success. John shares practical advice on aligning your financial behavior with your goals and highlights why regular reviews are essential to staying on track.
If you’ve ever wondered how to build wealth in a way that works for your unique journey, this conversation is a must-watch.
Chapters
(00:00) Intro
(02:12) Comprehensive Wealth Building Strategies and Mindset
(26:13) Adapting Financial Plans for Changing Incomes
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
In this episode of Money Isn't, Salvatore DiBianca, a high-level executive at Bristol Myers, shares his incredible journey through corporate success, international business, and financial transformation. Sal’s story highlights the importance of informed financial decision-making, from navigating the complexities of a Medicare trust to planning a smooth and fulfilling retirement.
This conversation is not just an inspiring career story but also a testament to the value of seeking expert guidance for financial success. Sal's collaboration with knowledgeable advisors at critical moments in his life empowered him to overcome challenges and achieve his goals. Whether you're working toward financial independence or preparing for retirement, this episode underscores how Smallwood Wealth Management can be the trusted partner to help you thrive.
Chapters
0:00 Introduction
1:44 Navigating Career Complexities
22:13 The Joys and Challenges of Global Work Travel
23:53 Navigating Manufacturing in China
32:15 Food Safety Concerns While Traveling
34:27 Exploring Solitude in Travel
38:35 Navigating Career and Family Dynamics
51:51 Evolving Quality Control in Manufacturing
58:04 Retirement: From Boats to Beach Houses
1:01:08 Navigating Finances and Fulfillment
Learn how thoughtful financial strategies and expert advice can help you balance career, family, and personal fulfillment. Sal’s journey is a reminder that with the right guidance, financial freedom is within reach.
Inspired by Sal’s story? Connect with Smallwood Wealth Management to take control of your financial future. Visit us online or book a call today to learn more.
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Retirement planning is more than just saving—it’s about navigating complex distribution challenges that can make or break your financial future. In this episode, we explore the critical components of successful retirement distribution, including the impact of longevity, inflation, and market volatility on your retirement funds.
Learn how strategic financial planning and diversification of your investment portfolio can protect against economic uncertainties while maximizing your long-term stability. Whether you're approaching retirement or rethinking your current strategy, this conversation will equip you with the insights and tools to adapt to changing economic conditions and secure a sustainable, fulfilling retirement.
Chapters
(00:00) Intro
(02:12) Navigating Retirement Distribution Challenges
(22:12) Strategic Retirement Planning and Asset Diversification
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Does trauma shape your financial future? In this episode of Money Isn’t, Ilene Smith—a trauma healer, author, and creator of The Truth Method—reveals the hidden link between past experiences and your financial well-being.
Discover how childhood trauma and family dynamics impact your relationship with money. Ilene shares actionable insights into breaking free from financial fears, redefining self-worth, and embracing abundance. Through powerful stories and her innovative approach to healing, Ilene helps uncover the emotional barriers keeping you from true financial empowerment.
If you’ve ever felt trapped in cycles of scarcity or unsure how to build a healthier relationship with wealth, this conversation will change your perspective on money, trauma, and success.
Chapters
00:00 Intro
01:31 The Trauma-Money Connection
10:27 Breaking Free from Financial Fears
25:57 Conquering Self-Betrayal
44:27 Emotional Dynamics of Wealth
54:01 The Lasting Impact of Trauma on Family Dynamics
55:47 The Emotional Journey of Ownership
01:02:39 Building a Course on Financial Empowerment and Self-Discovery
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Can a candle change your life? Discover how soy candles, sustainability, and creative passion turned a COVID side hustle into a thriving business. Learn the secrets behind branding, customer loyalty, and navigating small business challenges. Nicole Andrick and Jason Pontillo, co-founders of Catskill Candle Studio, share their journey from experimenting with candle-making in their kitchen to building a beloved brand rooted in the Catskills. What started as a creative distraction during the COVID pandemic has evolved into a sustainable business fueled by passion, adaptability, and an unwavering commitment to quality.Nicole and Jason dive into the challenges and triumphs of entrepreneurship, from crafting 100% soy candles to cultivating customer loyalty and navigating pricing strategies. They also reveal how thoughtful branding and partnerships helped turn their side hustle into a full-fledged creative business. Whether you're a candle lover or an aspiring entrepreneur, this conversation is a must-listen for anyone seeking inspiration to transform their passion into a purposeful legacy.Chapters:(00:00) Intro(04:56) A Journey from Distraction to Brand Success(06:30) From Kitchen to Studio: The Candle-Making Journey(13:25) Igniting a Candle Business(25:57) Navigating the Launch of a Creative BusinessFollow Catskill Candle Studio:Instagram: https://www.instagram.com/catskillscandlestudioFacebook: https://www.facebook.com/catskillscandlestudioTikTok: https://www.tiktok.com/@catskillscandlestudioEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!-------------------------------------------------------------------Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroductionThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
What if your paycheck wasn’t enough to keep a roof over your head? In this episode of Money Isn’t, John Smallwood sits down with Carolyn Eyerman, Executive Director of Love Thy Neighbor, to uncover the realities of Monmouth County’s housing crisis and the incredible ways her organization is stepping in to help.
Carolyn shares the moving story of a formerly homeless man who now gives back to others, the ongoing struggle of the working poor, and how Love Thy Neighbor is bridging the gap between faith and community action. From rental assistance to supporting isolated veterans and elderly individuals, this episode highlights the power of compassion and connection in creating lasting change.
With nearly 5,000 requests served annually and a network of 145 churches and 45 community agencies, Love Thy Neighbor is making a measurable impact in lives and communities every day.
Chapters:
(00:00) Intro
(04:06) Bridging Needs: Faith and Community Support
(08:42) From Prayer to Community Action
(19:19) Navigating Resources for Veterans
(21:02) Community Event Highlights and Support for Vulnerable Populations
(22:42) The Power of Connection: Supporting the Isolated
Discover the hope, resilience, and humanity at the heart of Love Thy Neighbor’s mission. Visit their website to learn more: https://www.lovethyneighbornj.org
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
- Learn more about Smallwood Wealth: https://smallwoodassociates.com
- Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Financial literacy isn't taught, it's earned. Watch Money I$n't and learn the insider baseball about how money works, how to plan, and how to start building wealth. This show shouldn't be free, but gatekeeping secrets is boring. So here's what money isn’t...Welcome to the Money I$n't podcast hosted by John L. Smallwood, CFP®. John is the President and Senior Wealth Advisor at Smallwood Wealth Management and has more than 30 years of experience in the field. He is the author of the best-selling book on Amazon 𝘐𝘵'𝘴 𝘠𝘰𝘶𝘳 𝘞𝘦𝘢𝘭𝘵𝘩 - 𝘒𝘦𝘦𝘱 𝘐𝘵, as well as 5 𝘞𝘢𝘺𝘴 𝘠𝘰𝘶𝘳 𝘞𝘦𝘢𝘭𝘵𝘩 𝘪𝘴 𝘜𝘯𝘥𝘦𝘳 𝘈𝘵𝘵𝘢𝘤𝘬 and has lectured extensively on wealth management. Like... Subscribe... and let us know in the comments what topics you want to hear John cover on the show!Learn more at smallwoodassociates.com or reach out at (800)797-1000 today.𝘚𝘦𝘤𝘶𝘳𝘪𝘵𝘪𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘗𝘶𝘳𝘴𝘩𝘦 𝘒𝘢𝘱𝘭𝘢𝘯 𝘚𝘵𝘦𝘳𝘭𝘪𝘯𝘨 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴, 𝘔𝘦𝘮𝘣𝘦𝘳 𝘍𝘐𝘕𝘙𝘈/𝘚𝘐𝘗𝘊. 𝘗𝘶𝘳𝘴𝘩𝘦 𝘒𝘢𝘱𝘭𝘢𝘯 𝘚𝘵𝘦𝘳𝘭𝘪𝘯𝘨 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘢𝘯𝘥 𝘚𝘮𝘢𝘭𝘭𝘸𝘰𝘰𝘥 𝘞𝘦𝘢𝘭𝘵𝘩 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘔𝘢𝘯𝘢𝘨𝘦𝘮𝘦𝘯𝘵, 𝘓𝘓𝘊 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘢𝘧𝘧𝘪𝘭𝘪𝘢𝘵𝘦𝘥 𝘤𝘰𝘮𝘱𝘢𝘯𝘪𝘦𝘴.
In this special Veterans Day episode of Money Isn’t, we welcome Todd Wesche, an attorney dedicated to helping veterans navigate the complex VA system and secure the disability benefits they deserve. Todd reveals the hidden challenges veterans face—from battling stigmas around seeking support to overcoming the frustrating bureaucracy of the claims process. He sheds light on the powerful impact these benefits can have, not only financially but also for mental health and overall quality of life.
With real stories and actionable advice, Todd empowers veterans to reclaim their rights, helping them understand disability ratings, bust myths around eligibility, and explore a wide range of benefits, from healthcare to financial assistance. This conversation serves as a practical guide for veterans, breaking down the VA system’s complexities to open doors for a better future.
Chapters:
(00:00) Intro
(01:33) Navigating Veteran Benefits and Mental Health
(05:30) Understanding Veterans’ Benefits
(13:55) Understanding Disability Ratings for Veterans
(17:48) Navigating More Military Disability Benefits
(38:50) Unlocking Financial Potential from Disability Claims
(40:26) Empowering Veterans: Accessing Benefits
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Work with Smallwood Wealth Management
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Ever wondered what it takes to turn a YouTube channel into a multi-million-subscriber powerhouse? Brady Edwards, former MrBeast Video Director and now CEO of BIGGEST AGENCY, joins the Money Isn’t Podcast to pull back the curtain on the strategies behind explosive digital content growth. From crafting the perfect video hook to building authentic audience engagement, Brady shares the real playbook for making money online without sacrificing your brand’s integrity.
In this episode, Brady dives into his journey of building a YouTube brand from 25 to 75 million subscribers, breaking down the art of viral content strategy and why genuine audience relationships are the ultimate currency. You’ll learn the psychology behind those crucial first few seconds of a video, how to navigate sponsorship alignment, and the power of authentic storytelling as a monetization tool. Plus, Brady explores how creators can strengthen audience bonds through merchandise and brand building.
Whether you’re a content creator looking to level up, a digital marketer, or a business leader eager to harness social media growth, this episode is packed with actionable insights to fuel your online revenue strategy.
Chapters:
(00:00) Intro
(01:34) Navigating the Digital Content Landscape
(17:51) The Psychology of Engaging Video Intros
(19:35) Navigating Relevant Sponsorships in Influencer Marketing
(21:11) Niche Skills and Branding in Content Creation
(26:44) The Connection Between Creators and Their Audience
(28:28) The Branding Landscape in Podcasting
(41:41) The Pursuit of Growth and Authenticity
Connect with Brady:
Instagram: https://www.instagram.com/bradydeluxe
BIGGEST AGENCY: https://www.instagram.com/biggestagency
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Learn more about Smallwood Wealth: https://smallwoodassociates.com
Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Are your retirement savings prepared for rising taxes? With tax law changes on the horizon, retirees could face significant tax risks. This episode breaks down proactive tax planning strategies to help protect your wealth and optimize your financial future before the 2017 tax cuts expire. We dive into the potential impacts of upcoming tax law changes and reveal simple, actionable strategies to safeguard your retirement from rising taxes. From understanding tax risks to choosing the right accounts, you’ll learn how proactive tax planning can help you stay in control of your financial future.
Chapters
(00:00) Introduction
(02:15) Understanding the Impending Tax Law Changes and Their Impact on Retirees
(18:18) Proactive Wealth Management Through Tax Planning
With personal stories and a touch of humor, we’re making tax planning more relatable, insightful, and less overwhelming!
Ready to take control? Hit LIKE, SUBSCRIBE, and share your thoughts in the comments. Got questions on tax planning? Drop them below—we’re here to help!
➤ Book an Appointment: https://oncehub.com/wealthcurvejourney
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
John Madsen, known as the "most hated man in fitness" for his controversial ads, didn’t need high school football to make it to the NFL—and he didn’t stop there. After his NFL career, he transformed his success into a $20M fitness business, Supra Human, focused on high-performance coaching for elite business leaders. In this episode, Madsen shares how he built Supra Human, his unique approach to fitness entrepreneurship, and why investing in health is critical for both longevity and financial success.This is more than a fitness story. It’s a masterclass in business mindset transformation, client psychology, and how Supra Human personally helped host John Smallwood transform his health. If you're looking to scale your business and improve your life through fitness, Madsen’s insights into fitness mindset shifts and longevity will challenge you to rethink what’s possible.Chapters: (00:00) Intro(02:21) From NFL Dreams to Financial Freedom(24:56) Tax Strategies for Individuals and Business Owners(26:32) The Struggles of Maintaining Weight Loss and Fitness(28:13) Scaling Success in Fitness Entrepreneurship(39:40) Pursuing Transformation and Longevity(43:21) Investing in Health and Longevity(56:24) Empowering Team Members for Business GrowthEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Check out John Madsen's YouTube Channel: @iamjohnmadsen ------------------------------------------------------------------➤ Book an Appointment: https://oncehub.com/wealthcurvejourney➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.Connect with Us On Social Media• Instagram: https://www.instagram.com/smallwoodwealth• LinkedIn: https://www.linkedin.com/in/john-l-smallwood• Facebook: https://www.facebook.com/298893443562447This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Are you optimizing your bond investments in today's fluctuating market? In this episode of Money Isn't, John Smallwood dives deep into the intricate world of fixed income investments and explains how interest rate dynamics directly shape bond valuations. Discover the nuances of yield chasing and learn the best strategies for selecting the right bond maturity to suit your financial goals. John also highlights the importance of asset allocation in managing investment risks, ensuring stable retirement income even amidst fluctuating interest rates.
Chapters:
(00:00) Introduction
Enjoyed this episode? Don’t forget to subscribe, hit the like button, and drop your thoughts in the comments. Stay tuned for more expert advice on mastering your investments and securing a solid financial future!
➤ Book an Appointment: https://oncehub.com/wealthcurvejourney
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
In this episode of Money Isn't, host John Smallwood sits down with William Lam, founder of UPGRD®, to discuss the power of breaking limiting beliefs and how advanced Neuro-Linguistic Programming (NLP) techniques can lead to financial freedom. Discover how shifting your money mindset can unlock higher cognitive abilities and create lasting wealth. They explore the impact of survival mode on your financial decisions, the importance of long-term vision in wealth creation, and how circulating money can lead to greater happiness. William shares strategies for integrating financial knowledge with practical actions, along with insights on educating future leaders through innovative approaches. Don’t miss this deep dive into transforming personal growth and financial empowerment!
Chapters:
00:00 – Introduction
01:42 – Evolving Perspectives on NLP and Financial Integrations
07:20 – Transformative Journeys: From Limitations to Empowerment
26:18 – The Magic of Money in Modern Life
32:07 – Unlocking Longevity Through Technology and Education
38:26 – Transforming Education for Future Leaders
48:30 – The Importance of Long-Term Vision for True Freedom
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts!
➤ Book an Appointment: https://oncehub.com/wealthcurvejourney
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
In this episode of Money Isn’t, we explore how interest rate changes and inflation are shaping today’s economic landscape, directly influencing wealth management strategies and mortgage affordability. With interest rates currently at 5.38%, we dive into the real estate market dynamics, discussing how potential rate cuts could impact consumer behavior, create market rallies, and influence mortgage refinancing options. We also tackle the upcoming tax legislation risks, which pose significant challenges to retirees by reducing their disposable income and complicating financial planning. Whether you're navigating the complexities of tax changes or strategizing around economic uncertainty, this episode provides critical insights for safeguarding your financial future.
Chapters:
0:00 Intro
1:05 The Ripple Effects of Interest Rate Changes
15:12 Navigating Interest Rates and Tax Risks in Wealth Management
Understanding how interest rate changes and tax legislation impact mortgage affordability and retirement income is key to effective financial planning and wealth management. With economic uncertainty ahead, having a strategic plan in place is more important than ever.
Enjoyed this episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don’t miss out on more insights into wealth management, tax risks, and navigating interest rate changes in today's economy.
➤ Book an Appointment: https://oncehub.com/wealthcurvejourney
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
In this episode of Money Isn’t, Dean Graziano joins us to dive deep into the complex world of Medicare, from enrollment to choosing the right Medicare Advantage and prescription drug plans. We explore the financial implications of Medicare Part B, Part D, and Medicare supplement plans, and how recent drug price negotiations aim to lower healthcare expenses for retirees. Understanding these aspects is crucial for retirement planning, helping you avoid costly Medicare penalties and out-of-pocket surprises. Learn why proactive healthcare planning and financial foresight are key to securing your medical future and saving on healthcare costs.
Chapters:
0:00 Introduction
1:32 A Guide for New Beneficiaries
16:30 Navigating Medicare: A Comprehensive Guide
30:14 Medicare Advantage and Drug Price Negotiations
34:58 Medicare Savings and Economic Impact
40:40 The Importance of Proactive Healthcare Planning
43:01 Medicare and State Relocation
50:05 Effective Medicare Planning and Financial Peace of Mind
Not enrolling in Medicare Part B can lead to significant penalties, and choosing the right Medicare Part D plan is essential to manage healthcare expenses effectively. Properly navigating Medicare supplement plans and making financial planning part of your retirement strategy can help you achieve financial foresight and peace of mind.
Enjoyed this episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don’t miss future insights on Medicare, retirement planning, and how to save on healthcare costs!
➤ Book an Appointment: https://oncehub.com/wealthcurvejourney
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
In this episode of Money Isn’t, we explore how market volatility and consumer sentiment shape investor behavior, often leading to emotional reactions like panic selling during downturns. Discover why having a solid financial plan is crucial, especially during turbulent markets, and how you can create a strategic financial plan to safeguard your retirement security. Learn how to manage emotional investing and turn market corrections into opportunities rather than setbacks.
Consumer sentiment significantly influences investment behavior, with emotions often driving poor financial decisions during market downturns. A well-structured financial plan helps investors stay disciplined and maintain focus amidst market fluctuations. By establishing a strategic financial plan, you can not only weather the storm but also seize investment opportunities during turbulent markets. This episode will empower you to take control of your financial future and ensure long-term retirement success.
Chapters:
0:00 Introduction
7:34 Market Volatility: The Importance of a Solid Financial Plan
15:01 The Importance of Strategic Planning
Deep Dives:
- The Role of Consumer Sentiment in Investment Decisions
- Understanding Market Volatility and Emotional Investing
- Establishing a Robust Financial Plan for Long-Term Success
Don’t let market risk and fear dictate your financial choices. This episode provides valuable insights into how to navigate volatile markets with confidence, helping you stay on track toward your financial and retirement goals.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
- Book an Appointment: https://oncehub.com/wealthcurvejourney
- Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
- To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
What If Everything You Thought About Success Was Wrong? Brian Pannuzzo Exposes the Real Path to Fulfillment You've Been Overlooking
In this episode of Money Isn't, we sit down with Brian Pannuzzo a former Wall Street trader who seemingly had it all—until his relentless pursuit of career success nearly cost him his health and marriage. Now a high-performance coach, Brian helps driven corporate professionals transform their lives beyond the office. He shares his journey from a high-stakes trading floor to launching his wellness program, High Performance Health, empowering others to reclaim their mental, physical, and relational well-being.
Discover how financial planning, personal reinvention, and growth intersect in this must-watch conversation!
Chapters:
(00:00) Introduction
(05:56) The Impact of Gambling and Sports Betting on Personal Finances
(08:44) Navigating Investment Psychology and Wealth Accumulation
(21:21) Maximizing Corporate Benefits and Tax Planning for Financial Security
(34:45) Opting for Adequate Insurance
(40:27) Understanding the Benefits of Life Insurance and Financial Planning
(01:06:41) Financial Advice and Maximizing Wealth Potential
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts! Don't miss future insights from Money Isn't!
➤ Book an Appointment: https://oncehub.com/wealthcurvejourney
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Why do some people wait until they are old to consider life insurance policies? If this is you, this episode is crucial to listen to, and understand.
In this episode of "Money Isn't" we explore the vital role of life insurance in wealth management, emphasizing the dangers of underinsurance. Discover various scenarios where life insurance acts as a safety net and a financial asset. Dive into strategic financial planning for retirement, considering critical factors such as inflation and healthcare costs. Learn how life insurance can bolster financial security during retirement, ensuring a stable and prosperous future.
Chapters:
00:00 - Intro
01:08 - The Crucial Role of Life Insurance in Wealth Management
34:53 - Strategic Financial Planning for Retirement
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don’t miss out on future insights from "Money Isn't!"
Wealth management expert John Smallwood discusses transformative strategies and powerful affirmations for financial success with Robb Thompson on the Luminary Talks podcast. Topics include shifting to a millionaire mindset, maximizing wealth through strategic financial decisions, and navigating post-university challenges. Embracing passion in work, eliminating disliked tasks, and mastering the mindset for financial success are also highlighted.Chapters:(00:00) - Introduction(01:34) Journey to financial well-being (11:15) Shifting to a Millionaire Mindset through Investment 13:57 Maximizing Wealth Through Strategic Financial Decisions (30:51) Navigating Post-University Challenges (39:25) Embracing Passion in Work and Elimination Disliked Tasks(41:09) Mastering the Mindset for Financial SuccessEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!------------------------------------------------------------------➤ Book an Appointment: https://oncehub.com/wealthcurvejourney➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.Connect with Us On Social Media• Instagram: https://www.instagram.com/smallwoodwealth• LinkedIn: https://www.linkedin.com/in/john-l-smallwood• Facebook: https://www.facebook.com/298893443562447This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Why do so many professional athletes, despite earning millions, end up broke? Uncover the shocking financial mistakes that lead to their downfall.In this episode of "Money Isn't," we dive deep into the financial challenges that professional athletes face, from mismanaged contracts to poor spending habits that can lead to bankruptcy. Discover how these pitfalls occur and explore the diverse career paths within financial services that could make a difference. We'll discuss the critical role of financial literacy, the importance of building a trustworthy support network, and the necessity of long-term planning to secure a stable financial future. Whether you're an athlete or simply interested in finance, this episode offers valuable insights into wealth management and financial success.Chapters:00:00 - Intro13:08 - Navigating Financial Stability and Lifestyle Choices15:40 - Wealth Management and Financial Literacy23:29 - Navigating Financial Success for AthletesEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don’t miss out on future insights from "Money Isn't!"
------------------------------------------------------------------➤ Book an Appointment: https://oncehub.com/wealthcurvejourney➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.Connect with Us On Social Media• Instagram: https://www.instagram.com/smallwoodwealth• LinkedIn: https://www.linkedin.com/in/john-l-smallwood• Facebook: https://www.facebook.com/298893443562447This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Dive into the challenges of market volatility and its historical context. Discover how psychological factors shape investor behavior during downturns. Gain insights into the importance of maintaining a long-term financial plan amidst chaos. Learn about the power of diversification and discipline over emotional decision-making. Explore the emotional rollercoaster investors face and the strategies to navigate through instability while maintaining positive returns.
(00:00) Intro
(05:53) Navigating Market Volatility: Financial Strategies for Long-Term Success
(13:38) Navigating Market Turbulence: Investor Psychology and Historical Insights
(16:00) Market Volatility and Emotional Investing
Unlock the secrets to strategic tax planning and choosing the right business entity in this episode of Money Isn't! Discover how your choice of business structure can significantly impact your taxation and liability protection, and learn the key differences between pass-through entities and C corporations. Whether you're aiming for long-term growth or a quick sale, this episode offers valuable insights into tax optimization strategies that can save you millions.
Host John L. Smallwood breaks down the importance of selecting the proper business entity as your company scales. From understanding the benefits of a C corporation under Section 1202 to navigating potential tax law changes, this episode is packed with actionable advice for business owners at every stage.
The right business entity can significantly impact taxation and liability protection, crucial for business growth. Selling as a C corporation can provide up to $10 million in tax-free benefits under Section 1202.
Deep Dives In This Episode:
(1) Choosing the Proper Business Entity: Learn how to evaluate different business structures like S corporations, LLCs, and partnerships, and understand their tax and liability implications.
(2) Benefits of a C-Corporation for Quick Sale: Discover how organizing as a C corporation can offer substantial tax-free benefits for business owners looking to sell quickly.
(3) Tax Optimization Strategies for Business Owners: Explore efficient tax planning strategies, including qualified business income deductions and minimizing taxation on profits.
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights on Money Isn't!
➤ Book an Appointment: https://meetme.so/smallwoodwealth
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
Connect with Us On Social Media
• Instagram: https://www.instagram.com/smallwoodwealth
• LinkedIn: https://www.linkedin.com/in/john-l-smallwood
• Facebook: https://www.facebook.com/298893443562447
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Ready to unlock the secrets of a maximum wealth plan? Discover how aligning your mindset with strategic financial goals can open doors to unparalleled opportunities and long-term security.
Join John L. Smallwood on this week's episode of Money Isn't as he reveals the blueprint for achieving financial success through a maximum wealth plan. Learn how to maximize your savings rates, understand the critical importance of maintaining robust cash reserves, and explore the necessity of umbrella liability insurance to safeguard your assets. John also shares strategies for ensuring long-term wealth and security by balancing financial goals with lifestyle choices.
John emphasizes the transformative power of a maximum mindset in reaching the full potential of a wealth plan. He highlights the importance of aligning financial decisions with personal objectives, whether it involves entrepreneurship or climbing the corporate ladder. This episode is packed with unique insights on creating a tailored wealth strategy, ensuring comprehensive financial protection, and planning for a secure future.
Chapters:
00:00 Introduction
02:18 Maximizing Wealth Through Strategic Financial Planning
13:50 Financial Planning, Home Purchases, and Cash Reserves
16:19 Protecting Assets with Umbrella Liability Insurance
21:27 Ensuring Long-Term Wealth and Security
29:08 Balancing Financial Goals and Lifestyle Choices for Long-Term Security
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights with John L. Smallwood on Money Isn't!
Click Here To Book An Appointment or call (800) 797-1000 for a 30-minute no-cost introduction.
Click Here To Join Our Next Webinar
Connect with Us On Social Media
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This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Join us on Money Isn't as we dive into the thrilling world of crypto trading with expert trader Matthew Mery. In this episode, Matthew shares his rollercoaster journey from a finance student to a full-time crypto trader, recounting the highs and lows of leverage trading. Discover how emotions impact trading decisions, the latest trends in the evolving crypto market, and effective strategies for investing in different types of coins.
Matthew also explores the security of blockchain technology, the growing participation of institutional investors, and the influence of social media on entrepreneurship. Learn how to monetize your passions and navigate the ever-changing landscape of crypto trading with insights from someone who has experienced it all. This episode is packed with valuable advice for anyone looking to succeed in the dynamic world of cryptocurrency.
Chapters:
00:00 Introduction
03:37 Crypto Trading and Leverage: A Rollercoaster Ride
10:50 Overcoming Emotions in Trading and Business Decisions
12:26 Exploring the Evolution and Opportunities in the Crypto Space
23:52 Strategies for Cryptocurrency Investing
40:36 Exploring Blockchain Technology and Crypto Trends
43:43 Journey to Success in Crypto Trading
52:39 Navigating the Ever-Changing Landscape of Crypto Trading and Entrepreneurship
01:07:55 Monetizing Passion through Curiosity and Determination
Enjoyed the episode? Make sure to subscribe, and leave a comment with your thoughts. Don't miss out on future insights on Money Isn't!
------------------------------------------------------------------➤ Book an Appointment: https://oncehub.com/wealthcurvejourney➤ Join Our Next Webinar: https://smallwoodassociates.com/events/#webinars➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.Connect with Us On Social Media• Instagram: https://www.instagram.com/smallwoodwealth• LinkedIn: https://www.linkedin.com/in/john-l-smallwood• Facebook: https://www.facebook.com/298893443562447This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.Securities are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Licensed advisors from Smallwood Wealth Management discuss the importance of protecting your ability to work. They go over the statistics of disabilities in the workforce, and the significance of having disability insurance coverage for financial plans.Chapters:(00:00) - Introduction(01:05) - Your Most Important Asset(05:55) - Live Wealth Curve Visualization (11:40) - Smallwood Wealth Example Tool(15:40) - When Disability Isn't NeededEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!------------------------------------------------------------------➤ Book an Appointment: https://oncehub.com/wealthcurvejourney➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.Connect with Us On Social Media• Instagram: https://www.instagram.com/smallwoodwealth• LinkedIn: https://www.linkedin.com/in/john-l-smallwood• Facebook: https://www.facebook.com/298893443562447• Twitter: https://twitter.com/smallwoodwealthThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.Securities are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Licensed advisors from Smallwood Wealth Management discuss the top financial mistake made in your 20's. This includes the impact of sports betting on finances, investment psychology, maximizing corporate benefits, insurance coverage, life insurance benefits, and financial advice for wealth accumulation.Chapters:(00:00) Introduction(05:56) The Impact of Gambling and Sports Betting on Personal Finances(08:44) Navigating investment Psychology and Wealth Accumulation(21:21) Maximizing Corporate Benefits and Tax Planning for Financial Security(34:45) Opting for Adequate Insurance(40:27) Understanding the Benefits of Life Insurance and Financial Planning(01:06:41) Financial Advice and Maximizing Wealth Potential
Enjoyed the episode? Make sure to leave a review and a comment with your thoughts. Don't miss out on future insights from John Smallwood!
➤ Book an Appointment: https://meetme.so/smallwoodwealth
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
Connect with Us On Social Media
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This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.
Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Imagine crafting a legacy that ensures a thriving future for your grandkids...
Explore how strategic planning, investing and understanding financial dynamics can pave the way for a prosperous future. Learn essential strategies for building resilience against market uncertainties and ensuring financial stability for generations to come.
Chapters:
(00:00) - Introduction
(02:35) - Navigating Financial Waters: The Importance of a ‘Manual’
(22:07) - Analyzing the Impact of Sequence of Returns on Investment Portfolios
(24:35) - The Impact of Taxes and Fees on Investment Growth
(29:56) - Wealth Erosion and Protection Strategies
(33:06) - Strategies for Financial Resilience and Growth
Enjoyed the episode? Make sure to leave a review with your thoughts. Don't miss out on future insights from John Smallwood!
➤ Book an Appointment: https://meetme.so/smallwoodwealth
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.
Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
This two part conversation on the Luminary Talks podcast is a deep dive into overcoming financial complexities for long-term gains, emphasizing the importance of laying a foundation for a legacy of wisdom and prosperity. It's your pathway to understanding wealth management's nuances, designed for anyone aspiring to secure a prosperous future.Tune in for invaluable insights on financial independence and creating a lasting legacy, distilled into actionable advice for today's forward-thinking individuals.Chapters
(00:00) - Introduction
(03:19) - Building Generational Wealth
(11:40) - The Role of Character in Building Generational Wealth
(15:00) - Strategic Planning to Create Opportunities
(21:05) - Financial Planning and Investing In Yourself
Get your copy of Robb's new book "Unlocking Relationship Capital" today at https://luminarymovement.com/robb-thompson-book
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
➤ Book an Appointment: https://meetme.so/smallwoodwealth
➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars
➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction.
Connect with Us On Social Media
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This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.
Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Get ready for an insightful episode where John Smallwood joins Robb Thompson on "Luminary Talks."
This discussion cuts through the financial jargon to offer clear, actionable advice on aligning financial goals with personal aspirations and optimizing lifestyle choices for future prosperity. It's an invaluable guide for anyone looking to enhance their financial well-being and secure a prosperous future.
Tune in as host Robb Thompson and John share insights into smart wealth management practices that promise not just to manage but to multiply your resources. This episode is your first step toward financial freedom and success.
Chapters
(00:00) - Introduction
(02:20) - Navigating the Complexities of Financial Planning
(10:16) - Exploring the Essence of Wealth Management
(12:52) - Embracing Financial Responsibility
(18:36) - Maximizing Company Benefits and Lifestyle Choices
Check Out Luminary Talks Podcast
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Get your copy of Robb's new book "Unlocking Relationship Capital" today at https://luminarymovement.com/robb-thompson-book
➤ Click Here To Book an Appointment
➤ Click Here To Join Our Next Webinar
➤ To Talk to a Financial Advisor Call (800) 797-1000
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This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.
Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Ever wondered how the ultra-wealthy use tax laws to their advantage? Dive into the strategies Multi-Millionaires use to grow and preserve their wealth across generations.
In this episode, John Smallwood explores the critical role of tax planning in business growth, entity selection, and wealth preservation. Discover how choosing the correct business entity can significantly impact your financial outcomes, from minimizing taxation during accumulation to reducing taxes on sale and protecting assets through estate planning.
Learn about multi-generational planning and the importance of specialized advice in structuring your assets. John also delves into strategic asset protection strategies, such as umbrella liability policies and beneficiary trusts, to ensure financial security and long-term success.
Chapters
00:00 - Maximizing business asset value
08:16 - Wealth preservation strategies
19:40 - Protecting assets from lawsuits
Enjoyed the episode? Help us grow by leaving a 5-star review. Stay tuned for more insights from John Smallwood!
➤ Click Here To Book an Appointment
➤ Click Here To Join Our Next Webinar
➤ To talk to a Financial Advisor call (800) 797-1000
Connect with Us On Social Media
Instagram | Facebook | Twitter | LinkedIn
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.
Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
Unlock the secrets of financial planning and why it's essential for your long-term stability and growth.
In this episode, we dive into the essentials of financial planning and wealth management. Explore how money has evolved from commodities to real estate, Bitcoin, and stocks. Learn to navigate economic disruptions through innovative adaptations like medical assistance and fishing.
Gain insights into entrepreneurial journeys, personalized financial strategies, and wealth management tips for long-term stability. Our discussion provides clear, actionable advice on aligning financial goals with personal aspirations and optimizing lifestyle choices.
Understand the historical evolution of money, from tangible assets like gold to modern forms like cryptocurrencies and investments. Recognize the importance of strategic financial planning, aligning goals with tax optimization, risk reduction, and wealth preservation. Enhance your financial stability and long-term growth potential.
Chapters
(00:00) - Introduction
(03:42) - Evolution of Money and Its Forms
(08:35) - Navigating Economic Disruptions and Career Evolution
(10:59) - Exploring Entrepreneurial Journeys and Wealth Management
(13:54) - Personalized Financial Strategy and Wealth Management
Enjoyed the episode? Make sure to leave us a review. Don't miss out on future insights from John Smallwood!
➤ Click Here To Book an Appointment
➤ Click Here To Join Our Next Webinar
➤ To Talk to a Financial Advisor Call (800) 797-1000
Connect with Us On Social Media
Instagram | Facebook | Twitter | LinkedIn
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.
Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
John L. Smallwood discusses Medicare and navigating the complexities of plans and expenses and how to get the most out of your benefits with guest, Will O'Hara, Managing Partner at NJ Life and Health Insurance Group.
As fear and uncertainty creep back into the market, John believes the best way to address it is with a solid financial plan. This week, he breaks down how to build a strong foundation for that plan and how to adapt as life and the market changes. Want to start building that foundation? Get your Wealth Curve blueprint now at www.SmallwoodWealth.com.
It’s time for a conversation about market volatility. With the major Wall Street indices in correction territory after the Russian invasion of Ukraine, it’s natural to be concerned. But on this week’s episode, John discusses the volatility concept, stock market history, and why it’s important to have the strategies & confidence to weather the storm as an investor. Want more resources? Download our latest reports at www.SmallwoodWealth.com.
When it comes to investing, volatility is party of the game. But should you pay attention to the so-called January Barometer and other market “predictors?” John breaks down the stats on this week’s podcast, and explains how to approach investing for the long haul. Find out how market volatility affects your Wealth Curve. Get your Wealth Curve Scorecard now at www.SmallwoodWealth.com.
When it comes to financial planning, rate of return is not everything. This week, John discusses the Wealth Curve conversation and why it’s important to discuss your family dynamics and life changes as part of the process with your financial advisor. Start the Wealth Curve conversation anytime at www.SmallwoodWealth.com.
It’s not too late to get started on some financial goals for the new year, but first, you might want to take a look back at 2021. This week, John suggests some ways to evaluate the year you had and how that can help you plan to hit your lifestyle goals in the future. Want a detailed assessment of where you stand? Get your Wealth Curve Scorecard now at www.SmallwoodWealth.com.
At a time of high inflation, low interest rates, and a market near record highs, you have to be ready to adapt to the increasing pressure. This week, John discusses how to adopt the Swiss Army Knife strategy for inflation to give yourself the tools to help release the pressure on your portfolio. Want to know how inflation’s affecting your Wealth Curve? Get your Wealth Curve Scorecard now at www.SmallwoodWealth.com.
Have you heard that it’s best to wait until 70 to claim Social Security benefits? This week’s podcast may change your thinking. John lays out a hypothetical scenario with a 65-year-old couple to show you how this decision can have a big impact on how you maximize your wealth through retirement. Find out how Social Security affects your Wealth Curve. Get your Wealth Curve scorecard now at www.SmallwoodWealth.com.
OK, we don’t want anyone to feel stupid…but this week’s episode is for those of you who might be thinking about waiting until age 70 to take your Social Security benefits. John challenges the typical advice, and discusses the reasons you might want to take it early! How would that affect your retirement income? Find out by getting your own Wealth Curve Scorecard now at www.SmallwoodWealth.com.
This week’s podcast is for all ages. Whether you’re in your 20s, 40s or 60s, you probably want to find out how you can reach your maximum potential with your wealth. John walks you through actionable steps this week to help you get to your goals. Listen now & check out our free Wealth Curve Mindset Maximizer download now at www.SmallwoodWealth.com.
It looks like politicians in Washington, D.C. may have to settle for less than what they were hoping for in some of the latest tax proposals, which may give those of us who’ve saved for retirement more opportunities to do some forward tax planning. Listen this week as John L. Smallwood revisits the different sources of retirement income – including pensions, 401(k)s, Roths, capital gains, annuities – and how they’re taxed. While you’re at it, download our free guide here and follow along on the podcast: The 19 Sources of Retirement Income Guide
The House has just passed a new massive infrastructure bill after months of negotiations. While it could mean that the annoying potholes on your daily commute might finally get fixed, it may also affect your wealth. Listen this week as John discusses the industries that might benefit from this spending package, and who’s going to pay for it. Be sure to check out our other retirement resources at www.SmallwoodWealth.com.
You’ve saved and saved for years just to get to retirement and feel like you’ve reached the top of the mountain. Now, how are you going to find your way down? Join Smallwood Wealth’s Ed Bao this week as he discusses the importance of finding the right guide in retirement. Be sure to check out his new podcast, “Jumping the Wealth Curve,” coming soon to your favorite podcast provider!
With inflation running at nearly 6% and tax changes coming soon, you might be wondering how these issues could affect your retirement income. This week, John dives into the numbers and discusses the strategies to consider to help control your tax bracket in retirement. Find out how taxes & inflation could affect your Wealth Curve by connecting with us at www.SmallwoodWealth.com.
In part two of John’s special series on taxes, he highlights the major tax changes that Congress is debating in the final few months of 2021. Who could move up to a higher tax bracket? What about changes in tax deductions for small businesses? How could your heirs be affected? Find out how these tax proposals could impact your retirement by signing up for your own Wealth Curve Scorecard now at www.SmallwoodWealth.com.
As Washington debates some major tax changes, it’s more important than ever to understand the rules available to you as a retirement saver, retiree or small business owner. This week, John starts a special series on taxes with information on current tax rates and the tax breaks you might still be able to take advantage of in 2021. Need a second opinion on your retirement tax strategy? Connect with us at www.SmallwoodWealth.com.
In this episode, John introduces to listeners about taxes, taxes, taxes, and the reduction of taxes. The reduction of taxes is the most important part of any wealth plan. You have to pay the least amount of taxes through these three phases. You need to pay the least amount of tax during the accumulation phase, where you’re growing your wealth. You need to pay the least amount of tax during the distribution phase, where you are enjoying your wealth. When you pass your wealth onto the next generation, you need to do the same thing, pay the least amount of tax.
Tax is probably the greatest disruptor of wealth that we know of. It is one of the financial pressures that we talk about. Every financial strategy that we are trying to do is designed to reduce the impact of taxation during those three phases.
Everyone is unique and has individualized wealth plans and tax is one of those stressors trying to disrupt it. Are you satisfied with your wealth plan?
From food to clothing to gasoline, the cost of just about everything is going up. But is inflation here to stay, or will we see it ease over the coming months? And how do you prepare your portfolio for the price spikes? John L. Smallwood explains on this week’s episode. Set up a time to find out how inflation affects your Wealth Scorecard now at www.SmallwoodWealth.com.
It’s been a tough 18 months for small business owners, so you deserve every tax break you can get! This week, John L. Smallwood talks with AmpliFi Founder & President Brent Allen about the Employee Retention Credit (ERC) and who might qualify. It’s a must listen episode for anyone who held onto employees during the pandemic or started a business in 2020. Have a question about ERCs? Connect with us at www.SmallwoodWealth.com.
In this episode, John shares insights on recent conversations around inflation. He discusses how important it is to have a macro plan of multiple tools coming together at different times under different economic conditions and in different places.
John is the author of It’s Your Wealth – Keep It. He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
Don’t miss these takeaways:
- Inflation is a wealth erosion tool that takes away purchasing power
- Inflation is relative to the individual
- Understanding core inflation and CPI
- Keeping pace with inflation is vital
- Thinking about growing as much wealth as you possibly can and reducing the tax burden on it
- Also, the importance of utilizing reverse mortgages, charitable remainder trusts and life insurance
- Finally, these conditions and strategies have always been present
And more!
Next steps? If you’re an existing client, schedule a Wealth Curve Catch-up call here. If you are new to Smallwood Wealth, schedule a Wealth Curve Conversation here.
You can also connect with us on social media, or call us at (800) 797-1000. Set up a free, no-obligation 30-minute phone call with a qualified advisor. We’ll help you understand your current plan and how you can protect your financial future.
In this episode, John explores the 7 biggest tax increases proposed by the Biden administration. He discusses what changes can be expected. He also shares when these proposed changes may happen and what you can do to mitigate or reduce their impact.
John is the author of It’s Your Wealth – Keep It. He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
Don’t miss these takeaways:
- The effective date that Biden released is taxable years after December 31 of 2021, and if you have a September close for your C corporation, the effective date would be in January of 2021
- Watch out for the capital gains and dividend rate
- Be mindful of retro tax
- Gifts in death triggers—possibly creating taxable events
- Dynasty trusts—any unrealized gain inside of a trust, partnership or other non-corporate entity for 90 years could be deemed taxable
- Repeal of 1031 tax-free exchanges
And more!
Next steps? If you’re an existing client, schedule a Wealth Curve Catch-up call here. If you are new to Smallwood Wealth, schedule a Wealth Curve Conversation here.
You can also connect with us on social media, or call us at (800) 797-1000. Set up a free, no-obligation 30-minute phone call with a qualified advisor. We’ll help you understand your current plan and how you can protect your financial future.
In this sources for retirement episode, John will discuss pensions. He’ll talk about the payout options that are available for you and your spouse. He will also point out some considerations when deciding how to choose among them.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s takeaways:
- For most retirees, pensions are a key component of their retirement income.
- Pensions are offered in lump sums or in monthly payouts, but the latter is more common.
- You may face a wide variety of monthly payout options. This may include “life only” / “single life,” “joint survivor 50%,” “joint survivor 100%,” and many others.
Plus:* When considering the pension you’re being offered, it’s vital to learn the following: * What is the pension’s funding rate? That is, what are the plan’s assets compared to its liabilities? (The pension funds of many organizations are in trouble.) * How is the health of your organization? (Knowing this will help you determine whether you take a lump sum or a monthly payment. Taking the lump sum means you take on the investment risk yourself. But if your company is not in good health, it may be worth it. * How is your own health / what’s your life expectancy? * When considering how your pension fits into your retirement plan, consider: * Your pension income will be taxed as ordinary income. * Know your income requirements. How much will your pension cover and how much do you need to get from other sources of retirement income?
For more, listen above, and download the guide.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John discusses Social Security as one of the key sources of retirement benefits and income. He reviews the current state of the system, and what that means for you as your plan for your retirement.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s takeaways:
- Social Security is important. For the average retiree, their Social Security check may be 33% of their gross income.
- How much are you paying in? If you make up to $132,900 annually, 7.65% of your income is going towards Social Security. If self-employed…you can double that. Also, if you make above $132,900 your effective tax rate is lower. That’s because you only pay Social Security tax on the first $132,900.
Plus:* Income tax on the benefit: As much as 85% of your benefit is going to be taxed as ordinary income. This is depending upon your income level. * When to take Social Security: Begin by considering your health and your longevity. * Collecting early: If you are willing to take a reduction of about 6.5% per year, you can take Social Security income as early as 62. * Benefits to deferring: If you defer from 67 to 70, you can get an 8.5% increase in benefits per year. Survivor benefits are higher when deferred as well. * Drawbacks to deferring: If you have a high income and expect a large benefit, you are likely to lose if you defer. If you withdraw from your portfolio rather than take your benefit, you lose that cash and its compounding potential. If you don’t need the benefit, go ahead and take it—you can gift it or use it for a vacation.
For more, listen above, and download the guide. I get into the nitty gritty of how the benefit is taxed and the payouts for collecting early or deferring. Most importantly, schedule a time to come talk to us. To plan how Social Security fits into your retirement plan, you need information that is not generic, but specific to you.
You can also connect with us on social media, or call us at (800) 797-1000.
In this episode, John pushes beyond social security, pensions, and 401Ks. He’ll introduce you to 19 sources of income in retirement. He will cover each source in depth in future episodes.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s takeaways:
- Having more sources of retirement income gives you redundancies and backups.
- Obtaining diverse sources of retirement income gives you protection from market volatility.
- Creating more and diverse sources of retirement income gives you greater efficiency in your taxes, now and in the future.
- Also, each income stream will have its own way of being taxed, and you can learn how to maximize the tax benefits to you.
- Furthermore, having an efficient tax strategy allows you to leave assets to family members, but also gives you the enjoyment of all the hard work you’ve put in!
- Finally, we help you craft a plan that allows you to maintain your current lifestyle in retirement.
For more, listen above. Download the 19 Sources of Retirement Income Guide, then schedule a time to come talk to us.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth under Pressure Podcast, in which John Smallwood. In this episode, John talks with Leslie Tayne, a debt solutions lawyer who has recently written Life and Debt: A Fresh Approach to Achieving Financial Wellness. Their discussion ranges from student loans debt to mortgages, credit, budgets, and managing out-of-control debt.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength lies in his ability and commitment to continually improve the level and quality of the financial planning process. His dedication to his clients’ growth involves an evolving strategy that strives to meet the demands, desires, and needs of his clients in a continually changing economic environment.
Don’t miss these key points on student loans debt:* Debt is not inherently bad—it is a tool that can help you do things you normally wouldn’t be able to do, such as buy a house, buy a car, or go to college. * Before you take out student loans… * Understand the full implications of that debt and your future repayments. * Look at low-cost options like community college, state school in your home state, or studying out of the country. * Only 1% of those who apply to the US government’s Public Service Loan Forgiveness Program or Teacher Loan Forgiveness Program actually receive loan forgiveness.
Plus:* If you can’t repay your federal student loans right away, you have options to pay them later (deferment or forbearance) or to repay based on what you can afford (income-sensitive repayment). * If you can’t repay your private student loans right away, they immediately go into default and you could be sued. * Depending on debt (such as credit cards or home equity loans) for living expenses is not tenable in the long-term. * Learning how to budget can help you avoid unnecessary debt: * Plan for the once-yearly expenses. * Plan for the unexpected. * Also, a debt solution that worked for someone else may not work for you. * Lastly, don’t be afraid to ask for help!
For more, listen above. Then schedule a time to come talk to us and figure out the best course of action for your debt.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John discusses life insurance over 50. Traditional financial planners will usually say that you no longer need it. John argues that it can enhance your income in retirement—if it’s permanent.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
Don’t miss John’s key points:
- Firstly, life insurance helps protect you against major financial losses after the death of your spouse:
- Loss of their Social Security
- Change in pension or loss of pension (if it was life-only)
- Loss of their employer’s free or subsidized healthcare
- Also, your options are term life insurance, universal life insurance, and whole life insurance. Whichever you choose, you need to make sure you eventually have a permanent policy.
Plus:* You can use the death benefit of your permanent life insurance to enhance your retirement income. You can take pension maximizations, do a charitable remainder trust, do immediate annuities or annuitization of products. * Lastly, it’s important to take the right steps now that will allow you to make good decisions: * Get insurance coaching * Find out current rates and how they are assessed. * Get a physical and find out what category you’re in: super preferred, preferred, standard, or substandard.
Furthermore, life insurance is an important part of any good retirement plan. Also, it will help maximize your retirement income and pass the maximum to your family.
Finally, schedule a time to come talk to us. In our Wealth Curve Conversation, we’ll discuss how life insurance can be incorporated into your retirement plan.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John continues his series on the Wealth Curve Blueprint, with special attention to business owners. This time he discusses the business valuation and how it can help increase the value of your business.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
Don’t miss John’s key points:
- Most businesses are not sold for anywhere near their fair market value.
- Ultimately, your business is worth what somebody’s willing to pay for it: strategic acquisition, being in the right field at the right time, or a strategic opportunity for a competitor.
- It’s vital to understand the value of your business and how you can make it even more valuable.
- Don’t assume you know your business’s value.
Business Valuation* Our Business Valuation (part of the Wealth Curve Blueprint) takes into account equity value, asset sale, enterprise value, and liquidation value. * We find the key performance indicators that drive your business. We focus on ways to improve the success of those indicators in order to leverage the value of your business. * We’ll also ask: Do you have the right buy-sell agreement? Is your business protected properly? Do you have the right successor in management if something were to happen to you? Answering those questions will help you make better decisions. When you make better decisions, they’re usually followed by more wealth.
A regular review and a regular update of your business valuation is such an important part of your financial plan. If you don’t know what your business is worth, how do you know if you’re going in the right direction? How do you know that you’re going to end up where you want to be?
For details, listen above. For more information about this or any other aspect of wealth planning, talk to us.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John discusses two new bills that have been passed in Congress. When the SECURE Act and RESA are reconciled and become law, they will have repercussions for IRA planning.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
Don’t miss these important takeaways:
- New legislation will bring both benefits and drawbacks to retirees and beneficiaries of retirement plans. Most notable are changes to IRAs.
- The House’s SECURE Act (Setting Every Community Up for Retirement Enhancement):
- Changes the stretch (the period of time during which a non-spouse beneficiary receives payouts) from five years to ten.
- Pushes the age of required minimum distribution (RMD) from 70 ½ to 72.
- The Senate’s RESA (Retirement Enhancement and Savings Act)
- Keeps the stretch limit at five years for non-spouse beneficiaries.
- Pushes the RMD to 75.
And more:* Possible benefit to retirees: If they push the RMD two or five years from the 70 ½, in theory, this creates more money in the qualified plan. Depending on the rules they use to calculate the RMD, that could create a higher RMD at 72 or 75. * Possible drawbacks to non-spouse beneficiaries: They may be required to pull all of the money out over a 10-year period. If there’s more money in the IRA, it could force them into a higher tax bracket. They would pay a significantly higher tax than they’re paying now.
We’ll have to wait for the SECURE Act and RESA to be reconciled, which may happen by the end of the calendar year. In the meantime, we need to spend some time reviewing how they could impact IRA planning. We may need to rethink how you should take money out of an IRA, how it comes out, and how your beneficiaries will be impacted.
For details, listen above. For more information about this or any other aspect of wealth planning, talk to us.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. This time his focus is on asset protection. He reveals two key tools small business owners need to protect their business and personal assets.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improving the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s key points on asset protection:* You are your business’s most important asset. Y so you need to protect your business and your personal assets in the event of your disability. * Further, a business overhead policy pays all of your business’s overhead expenses while you’re disabled. This way, you can keep on your staff and keep things operating at the right level. * Also, you may have unknowingly signed personal guarantees that put your personal assets at risk if your business experiences trouble. * Long-term leases, with elevators, frequently include personal guarantees. * Bank loans often have covenants and restrictions with personal guarantees.
And more:* Whether you work alone or with one or more partners or employees, you need a buy-sell agreement. * Also, this document spells out how the owner’s (or owners’) assets and shares are transferred upon their death, disability, or retirement—or according to their activity level. * Lastly, it establishes an appropriate valuation methodology and makes sure it is well funded.
For more details on asset protection for business owners, listen above. I’ll go more in-depth into valuation methodology in a future podcast. You can schedule your Wealth Curve Conversation here.
In this episode, John continues his series on the Wealth Curve Blueprint, this time focusing on the protections offered by wills and trusts. Properly setting up a will or trust is one of the key components of a successful long-term financial strategy.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength lies in his ability and commitment to continually improve the level and quality of the financial planning process. His macro view approach and dedication to his clients’ growth involves an evolving strategy that strives to meet the demands, desires, and needs of his clients in a continually changing economic environment.
Don’t miss John’s takeaways:* The protection that wills and trusts offer is a strategic part of every financial plan. * By 2026 when all of the income tax laws sunset and revert back to pre-Trump tax laws, so does the estate tax. Your will or trust needs to take that into account. You need to review it regularly.
Plus:* There is so much that goes into a proper trust: * When and how should the money be distributed? * Can gifts be made? * Also, can I use leveraged gifts? * Can I retain control of those assets? * What happens if my child inherits my money—but is going through a business problem or a divorce? Is that money protected from estate taxes? * Your strategy depends upon so many factors: * Who you are * How much wealth you have * How much life insurance you have * Whether you’re starting a business, where that business is located, and how you own it * Lastly, how and where you own your assets
Every protection in your plan needs to be the best that it possibly can be for who you are. Each one needs to be updated on a regular basis, so that you’ve taken advantage of all of the opportunities that are available in the estate tax law.
For details, listen above. To set up a Wealth Curve Conversation and get your Blueprint and Scorecard made, click here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. Continuing a mini-series on life insurance, he discusses life insurance for spouse (who does not work or who works part-time).
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improving the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s key points:* Firstly, spouses who work part-time or who do not work have insurability interest, which should be maximized. * Secondly, consider the value of the unpaid work done by a spouse who spends much of their time raising children. You have to drive them to and from school, oversee homework and music practice. You have to drive them to their after-school activities, preparing meals, keeping the household in order, etc. * Were your family to lose that, you lose all of that labor. * Also, if you try to make up some of that yourself, you lose income and income potential.
And more:* Further, making sure that your non-working or part-time working spouse has the maximum amount of coverage based upon your coverage is a fundamental of good planning. * Lastly, it allows you to keep your future obligations: college, paying off debts, weddings, bar mitzvahs and bat mitzvahs, sweet sixteens, and all the other things that you want to do for your kids.
For details, listen above. Of course, it would be a tragedy were something to happen to your spouse. But from a financial perspective, it does not have to be a crisis—if you have good planning.
We want to help you with that.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. This time he lays out the elements of quality life insurance coverage.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
As a result, his dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Here are John’s key takeaways:* Term life insurance is the simplest and usually the cheapest type of life insurance coverage. * Also, it is vital that your term life insurance be convertible to some sort of permanent insurance in the future without requiring evidence of insurability. * Also make sure that the permanent policy your plan will convert to is something that you would be happy to purchase on the open market today. It needs to have all the appropriate elements.
Plus:* In addition, your permanent policy will be whatever type of insurance that you are comfortable with in your financial strategy. It can be universal life, variable life, whole life, or fixed index universal life insurance. The type is really up to you. * Lastly, as you get closer to retirement, you want your permanent policy to make up a larger portion of your overall plan. That is, your life insurance cash values should be a certain percentage of your net wealth. Also, at retirement your death benefit should be equal to one time your estate value.
For details, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John continues his series on the Wealth Curve Blueprint. This time he reviews life insurance coverage for the primary breadwinner, or both breadwinners.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s key points from this episode:* Each person’s wealth plan is different from their neighbor’s. But one thing that is common to all plans—and is a critical component—is protection. * An important element of protection is life insurance for the primary breadwinner. Ideally, it’s important for both breadwinners. * It really doesn’t matter what type of coverage you have, as long as you have the right amount of coverage. * Furthermore, the right amount of coverage allows your family to continue to do what they want to do, should something happen to you.
Plus:* If a person passes away, there could be many factors affecting the support of the surviving spouse and family. If the deceased was retired, the surviving spouse could lose their Social Security or pension. Conversely, they might pick up healthcare benefits that they didn’t previously have, because of their spouse’s benefits. * Regardless of the changing factors, the number one rule remains the same: always have the maximum amount of coverage for your circumstances. * Lastly, the range of maximum coverage varies according to your age and how close you are to retirement.
For details, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John continues his series on the Wealth Curve Blueprint. This time he reviews disability insurance, which is vital for everyone to have.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Here are John’s key takeaways:* Disability insurance protects the most important asset in your entire financial plan. It protects your ability to earn income. * Most people believe that disability is not going to happen to them, but… * One in four 22 year olds will become disabled prior to retirement. * Also, many early retirements are a result of disability. * Short-term and long-term disability claims are driven by such common things as pregnancy; musculoskeletal conditions; fractures, strains and sprains; hernias & gastritis; depression & anxiety; and tumors—including cancerous ones.
And more:* It’s important to get the maximum amount of coverage now. If you are disabled, the trajectory of your life and your family’s life can change drastically. You may need care, and you may need to rethink such things as your kids’ college education and your retirement. * If you optimize your financial plan, you can increase your tax savings and decrease some of your inefficiencies. You can then redirect that money to a disability plan. * Further, you also may be able to obtain disability coverage through your employer, but check the rates and the terms. * Lastly, you may not always need it: once your assets reach a certain level, you may be able to discontinue your disability coverage.
For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John continues his series on the Wealth Curve Blueprint. This time he reviews umbrella insurance policies, which are the first step in protecting your assets.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength lies in his ability and commitment to continually improve the level and quality of the financial planning process. His macro view approach and dedication to his clients’ growth involves an evolving strategy that strives to meet the demands, desires, and needs of his clients in a continually changing economic environment.
Don’t miss John’s important points:* Step one in any asset protection program is getting umbrella liability coverage. * An umbrella policy gives you higher limits of liability on your house and car, but also covers things unrelated to them. * For example, let’s say you’re at the mall. Once inside, you trip somebody down the steps, and they decide to sue you. In this case, an umbrella policy can help protect your assets. * Let’s say you’re texting and driving and as a result run a red light and hit someone. An umbrella policy will help you face that lawsuit for negligence. * Without this coverage, your income is at risk. Are you a high-income earner? If you have accumulated a lot of cash, that cash, your non-qualified brokerage accounts, and your non-IRA assets could be at risk.
Plus:* Every asset that is not “credit proof” or “collection proof” (which legally cannot be seized in the event of bankruptcy, divorce, or a civil suit) is at risk. * It is key to have the maximum umbrella coverage for your net worth.
When we build your Wealth Curve Blueprint, you can look at your umbrella liability as a function of your income and your net wealth. But if you don’t have the right amount of coverage, you have no time to build it up. Your protection must be maxed today. If you’re not covered today, and a problem happens tomorrow, you can’t go back and get a redo.
For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. This time he discusses employer matching programs, which are an important part of your savings rate.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
Don’t miss these key takeaways:
- Many people are missing out on their employer’s matching contribution to their retirement plan.
- A company match means that if you put $3 into your retirement plan, your employer will match it with a $3 contribution. Or they may match 3% for 3%—the rates or amounts depend on the plan’s design.
- That match in contribution is part of your compensation package from your company.
- If your company offers a 3% match, but you only put away 1.5% of your salary, you’re missing out on 1.5% of your salary saved towards your retirement.
- You may plan to only work 2 or 3 years for your present employer, but you may end up staying five. If you didn’t contribute to the matching program during that time, you’ll miss out. And that’s almost regardless of the plan’s vesting schedule.
Taking full advantage of your employer’s matching contributions plan is part of getting your financial plan on an optimal track. It goes along with getting you out of credit card debt. It is also increasing your liquid savings, and getting your lifestyle costs and taxes under control.
Come in and let us build your Wealth Curve Blueprint and Scorecard. We’ll help you get a new perspective on your wealth plan, develop strategies to optimize your plan…and get the most out of that employer match.
For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. This time he discusses your lifestyle rate and how it works with the other parts of your wealth plan.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength lies in his ability and commitment to continually improve the level and quality of the financial planning process. His macro view approach and dedication to his clients’ growth involves an evolving strategy that strives to meet the demands, desires, and needs of his clients in a continually changing economic environment.
Don’t miss John’s takeaways:* The most important items for creating wealth are (1) your savings rate, (2) your lifestyle, and (3) your taxes. * Your lifestyle is the net of your income, savings, and payments for your housing, insurance, taxes, and all other regular expenses. * If you carry credit card debt, your lifestyle rate is too high. * Establishing the right burn rate for your lifestyle means that you will be able to accumulate more money now, and be able to keep up your lifestyle rate in the future. * When projecting your retirement lifestyle, don’t forget that inflation, technological change, and planned obsolescence will increase future costs.
Also:* Your lifestyle rate needs to be constantly reviewed to make sure it’s at the right ratio. If it is around 40% you will find it hard to save and to meet your future goals. You are putting your wealth at risk. * Your lifestyle rate should be optimal for your enjoyment and protection. That means you should calculate your opportunity costs. Are you getting enough value for the money you spend? You may be able to shave off a couple of hundred dollars a month for things that aren’t bringing you enough enjoyment, protection, or any other benefit.
A small adjustment can have a big effect. If you can shift 10% of your lifestyle rate to your savings rate, you will see an enormous change in trajectory that will benefit your future.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. This time he discusses integrating your future liabilities into your wealth plan.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength lies in his ability and commitment to continually improve the level and quality of the financial planning process. His macro view approach and dedication to his clients’ growth involves an evolving strategy that strives to meet the demands, desires, and needs of his clients in a continually changing economic environment.
John’s key points:* Future liabilities are all of those things we want to do in the future like home improvements, kids’ bar mitzvahs & weddings, getting kids set up in a home, buying them cars, and so on. * A lot of people expect they’ll pay for these things without actually planning how they will do so. * We want you to move from the “We’ll figure it out” mindset to a “Let’s plan ahead. Let’s make the optimal decision” mindset.
Also:* Look at all of your future liabilities and ask: * “How well are they currently funded?” * “How much money do I already have that could be allocated to these goals?” * “What will be the impact on my financial plan?” * The most important question to ask is, “How will these future liabilities impact my retirement?” If they’re going to hurt it, you might need to minimize some of those future liabilities.
Get your Wealth Curve Scorecard and Wealth Curve Blueprint created as soon as possible. We understand what your hurdles are. We can model them, when they’re going to come, and the impact on your future potential. When you know that, you can sit back and say, “Oh, we can do more than I thought!” Or, perhaps, “This is not going to work out for us.” You can then make the appropriate adjustments.
For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on theWealth Curve Blueprint. This time he discusses saving for college and how that fits into your overall wealth plan.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
John’s key takeaways from this episode:
- If your financial plan includes paying for all or part of your kids’ college, the time to think about that is now.
- If your kids are teenagers—let’s say a year out—it could cost $250,000 per kid in today’s dollars. That means you need the majority of that cost to be funded right now. Otherwise, you will need to be able to pay for it out of cash flow or with student loans.
And more:* If your children are younger, plan for it to cost somewhere between $40,000 and $70,000-plus per year in today’s dollars, which will go up 2% and 5% a year—inflation adjusted. * Make sure you put away enough money every single year, and that it is spread among different vehicles. Then factor in inflation and the growth rate. * Don’t forget your retirement goals: make sure that as you save for college you can still put away enough money for retirement to sustain the lifestyle you want.
When we build your Wealth Curve Blueprint we ask, “What percentage of your college goal do you already have covered? Are you saving the right amount of money? What vehicles are you using so that if college ends up being free, you won’t have to pay loads of unnecessary taxes and fees to get your money back?”
Let’s build a Blueprint and Scorecard and let’s look at your college savings along with your retirement savings. For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on theWealth Curve Blueprint. This time he explains debt liability. This is the relationship between your debt payments and your income.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Here are John’s don’t-miss points:
- Debt liability refers to car loans, student loans, credit cards, inter-family loans, medical loans, and 401(k) loans.
- Further, it includes “good debt” (which is tax-deductible) and “bad debt,” which isn’t.
- In addition, if your debt is too high, your principal and interest payments are going to be too high as a percentage of your income. That will hurt your lifestyle, your savings rate, and the efficiency of your tax benefits.
- Also, your debt can be a product of not planning well for future liabilities. Decisions you make now, or that you made in the past, will affect what you can do in the future.
And more:* Avoid future debt by planning well for future liabilities like your kids’ college, weddings, bar mitzvahs, and bat mitzvahs. * Lastly, while we can’t get you instantly out of debt, we can work to make your debt bearable so that you can enjoy life and optimize your financial situation now. We can make sure you get greater tax benefits from it and make it less onerous on your daily cash flow.
Let’s build a Blueprint and Scorecard, let’s look at your debt liability, and let’s optimize it so that you can accumulate wealth and live your life the way you want to. For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. This time he talks about personal use real estate and what portion of your gross income it should consume.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
This episode’s key points:
- Personal use real estate refers to your primary home, your second home, timeshares, and any real estate items that are for your personal use on an ongoing basis. These are not rental properties.
- You should cap your real estate spending (mortgage principal, mortgage interest, and real estate taxes) at 25% of gross annual income as long as you are in the wealth accumulation phase of life.
- If more than 25% is allocated for these things—across all of your properties—your odds of saving enough are too low.
Plus:* Don’t buy more house than you can furnish and maintain—inside and out—and pay your taxes on. * Also, the new tax law won’t help you—the deduction for combined state and local income taxes (SALT) is now capped at $10,000. * Lastly, you have options. You may need to sell a property, or you may need to make adjustments in your financing. Your solution will be unique to you.
Personal use real estate has a profound effect on your liquid asset rate, savings rate, savings rate balance, and tax rate. For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. This time he talks about the liquid asset rate. This is the amount of cash you have available for any expenses above the ordinary.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Today’s podcast includes these vital points:
- Achieving a savings rate balance means your spread your assets around multiple types of savings vehicles and more than one tax structure.
- Each dollar that you put into savings should build your liquid savings, short-term savings, defensive savings, and long-term savings.
- If you allocate your savings in a lopsided fashion, you put yourself at risk: Clients who have all of their money in 401Ks frequently end up in credit card debt or with 401K loans.
- You also want your money in a variety of tax structures. It means that for some you pay taxes upfront (think Roth IRA) and for others your defer tax payments (think 401Ks and 403Bs).
- You want to work to make sure that you will be in a lower tax bracket in retirement. You want to benefit from your tax-deferred savings, rather than losing out.
When you work with us to put your assets into the Wealth Curve Blueprint, you will quickly see where your plan is overweight. Then, depending on your circumstances, you can reallocate some savings. The balance will be unique to you.
For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcast. In this episode, John continues his series on the Wealth Curve Blueprint. This time he explains the savings rate balance. It shows how to allocate your savings among different types of vehicles and tax structures for optimal performance.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Today’s podcast includes these vital points:
- Achieving a savings rate balance means your assets should be spread around multiple types of savings vehicles and more than one tax structure.
- Each dollar that you put into savings should build your liquid savings, short-term savings, defensive savings, and long-term savings.
- If allocate your savings in a lopsided fashion, you put yourself at risk. Clients who have all of their money in 401Ks frequently end up in credit card debt or with 401K loans.
- You also want your money in a variety of tax structures. So, for some you pay taxes upfront (think Roth IRA) and for others you defer tax payments (think 401Ks and 403Bs).
- You want to work to make sure that you will be in a lower tax bracket in retirement. You want to benefit from your tax-deferred savings, rather than losing out.
When you work with us to put your assets into the Wealth Curve Blueprint, you will quickly see where your plan is overweight. Then, depending on your circumstances, you can reallocate some savings. The balance will be unique to you.
For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Welcome to the Wealth Curve Talk Podcat. In this episode, John explains one of the most vital components of the Wealth Curve Blueprint and the Wealth Curve Scorecard: your savings rate.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s essential points about your savings rate:
- Establishing your optimal savings rate is one of the most important parts of your financial plan.
- The higher your income level, the greater the percentage of your gross income that should go to savings.
- The goal is to put money into several different savings vehicles in order to create a constant inflow of money into savings.
- The Wealth Curve Blueprint looks at all of your income sources. This includes rentals, investments, dividends, and bonuses. It determines what your optimal savings rate is.
- We then help you identify places where you are spending money needlessly so that you can redirect that money to savings.
Budgets don’t work, because life happens. But if you put your savings rate first, it doesn’t matter where you spend the rest. I look forward to helping you determine what you are saving. Is it optimal for your current situation? If not, what changes can you make? For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this lower taxes episode, John details theWealth Curve Scorecard. It is part of the Wealth Curve Blueprint, can help clients lower their tax rate.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
In addition, John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
Furthermore, his dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s essential points of wealth planning:
- Our Wealth Curve Blueprint shows you how much you are paying in Federal income taxes, state taxes, FICA, Medicare, property taxes, and so on. It measures that against your income and your assets.
- In addition, our goal is for you to pay less in taxes during your working years (your wealth accumulation phase) and during retirement.
And more:* Imagine if we were to reduce what you pay in taxes each year by even a few percentage points. It could have a significant impact on your ability to accumulate wealth, prepare for the future, and enjoy more today: * Plus, the Wealth Curve Blueprint and Scorecard we made for our fictional clients John and Molly Redbank shows they pay 30% of their income in taxes. * Also, by optimizing their deductions and developing strategies to reduce taxation on dividends, interest, and capital gains, we were able to drop that to 28%. * Lastly, since their income is $445,000, that gave them an $8,000 or $9,000 increase in their savings rate—a significant gain.
Above all, we would like to do the same or better for you.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this batting average episode, John details theWealth Curve Blueprint. It’s a tool he has developed to help clients compare the performance of their current financial plan against their short and long-term goals.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss these essentials in today’s podcast:
- Firstly, your wealth plan should contain certain components that work together. They also need to work in the right order to generate the most successful outcomes.
- Most financial advice that’s available today is focused on a single strategy or product. They don’t focus on a comprehensive set of strategies. But inefficient strategies are one of the most common factors in the failure of financial planning to meet clients’ goals.
- Although every plan should have the same seven components, the precise optimal mix and ordering of them will be unique to you.
And more:* If a batter “bats 300,” it means he gets a hit 30% of the time he’s at the plate. That is considered a very good batting average in the major leagues! We want to help you bat well above 300 so your financial plan helps meet all of your goals, not just 30% of them. * Additionally, we developed our Wealth Curve Blueprint based on nearly three decades of experience in wealth management. It helps clients to get an at-a-glance snapshot of their financial plan. * Also, the blueprint contains a scorecard, which just like a baseball scorecard, organizes every component of your plan. It organizes changes to your income, expenses, asset structure, savings rate, taxation, and debt structure. * Plus, it lists protections like insurance and pensions. * Lastly, your scorecard can then measure each component’s success in achieving the primary goal of building your wealth and protecting it from eroding pressures.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John continues his deep examination of the retirement planning. He also urges you to re-examine your plan now and on an annual basis. Today he focuses on market volatility, which is a factor in your withdrawal rate (covered in Part 1). He also spends time on the variables associated with longevity risk (also covered in Part 1): healthcare costs and long-term care costs.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s main points are:
- There are several risks putting pressure on your financial plan: market volatility, inflation risk, tax law risk, geopolitical risk, increase in personal expenditures, and state and local risk such as underfunded pension plans in your community or increased real estate taxes.
- Most financial planning software gives you a simulation of your financial plan over time that assumes a steady rate of return. But market volatility and your unique situation (your investment mix, your withdrawal timing) mean that you will be subject to a sequence of returns unique to you.
And more:* Along with that, past market performance has nothing to do with future performance. * A recent assessment of health care costs in retirement show that an average couple will pay $400,000 in non-reimbursed healthcare costs during retirement. * Factoring in average life spans, that’s $20,000 per year per person. How will your retirement income cover that cost? * Finally, the average stay in a long-term care facility is 2 ½ to 3 years. Monthly costs can go upwards of $10,000.
How secure and how safe is your current retirement plan? What triggers are in your financial strategy? Your financial plan is never done. You need to constantly evaluate it. Evaluations should be based on what is happening in your life right now, and any potential financial pressures.
Start by downloading our Wealth Curve Pressure Identifier. Let’s pinpoint the things you love about your plan. Let’s identify what keeps you up at night, or what you’d want to change about it.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John answers the question, “When Should I Collect Social Security?” and gives insights on how to apply social security benefits when creating a retirement plan. He explains that there is more to social security than most of us are aware of. John provides examples to show us why when asking “When should I collect social security”, the decision for collecting or deferring these benefits may have huge implications.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
The key takeaways are:
- More and more baby boomers need to decide on their social security benefits as part of their retirement plan. How and when to start collecting has huge implications on their lifestyle.
- Conventional wisdom about social security is often misleading and does not apply to everyone. Understanding your unique situation is the essential for getting the most from your social security benefits.
- You can collect $24,000 of social security at age 62, $33,000 at age 66 or $42,000 at age 70. How do you determine when is a good time? John has a few tips on that.
Plus:
- John provides examples explaining why one might collect or defer social security benefits and how this may impact one’s retirement plan.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
In this episode, John goes in-depth on three of the seven variables that are vital to consider when designing your retirement plan. If you change just one of these variables, you will affect the outcome of your plan. If you change two or three, it’s not even the same plan.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
The key takeaways are:
- More retirees than before are finding themselves working in retirement. This is because the three main pillars of their retirement plan—pension, Social Security, and savings—are not enough.
- A record 61,859,000 Americans are collecting Social Security this year, while 126,827,000 people are working. That 2:1 ratio of workers to collectors is far from the 40:1 ratio of 1945, and will get worse in the coming years.
- 70% of Baby Boomers will be drawing Social Security between 2022 and 2029.
- The architects of the plan didn’t expect people to live as long as they do now. Social Security is in real trouble, and one day soon may resort to paying only people that can prove they need it.
And more:* Pensions are in peril across the country, most of them being massively underfunded. * Congress is still trying to figure out how to bail out the largest American pension plans. * Companies have changed pensions from “defined benefits plans” to “defined contribution plans.” Doing so, transfers the risk from them to you. * It’s prudent to find out whether your pension is properly funded. Try https://www.truthinaccounting.org/. * Recommended withdrawal rates for your portfolio have been based on life expectancy that are shorter than the current average. You will need to determine the rate that is best for you, and consider a retirement age older than 65. * It’s best to sketch out several scenarios for your financial plan. For example, leaving out Social Security or your pension, and seeing if your plan could survive without them. Do the same with several withdrawal rates and age of retirement.
Whether you’re 5, 10, 20 years out from retirement—or just retired—now is the time to understand the pressures that affect your retirement plan. Listen to this podcast here, and stay tuned for Part 2, which will discuss the rest of the seven variables.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
Don’t miss John’s key points:
- Firstly, plan for retirement with the goal of sustaining your current lifestyle.
- A good thought exercise is to take your current retirement savings and figure out how long it will last you based on your current spending. Five years? Ten years? You’ll need to adjust accordingly.
- Recommended withdrawal rates have gotten lower and lower, but even a 2.5% rate of withdrawal may not last the full 30 or 40 years of your retirement. And how much money would that be to live on every year?
- Experts have proposed safe withdrawal rates based on historical market rates of return, but have not taken into account market volatility.
- The sequence of returns in any given market will dictate how successful your withdrawal rate is.
Welcome to the Wealth Curve Talk podcast, in which John Smallwood, a certified financial planner, identifies key areas of pressure on your wealth and strategizes with you to reduce it.
In this episode of Wealth Curve Talk, John emphasizes the necessity of taking a macro view of your financial plan. While most financial decisions are made in isolation (one tree), they will have ripple effects throughout your entire plan (the forest). It’s best to make decisions with a broad view in mind.
John’s detailed examples illustrate how to protect your wealth now and in the future:
- The micro view of a 15-year mortgage says, “This is a good idea because I’ll pay less interest on my mortgage and less for my house overall.” But, if you take a macro view, you see that as your mortgage interest deductions lower over time, your taxable income increases.
- With the macro view, you see that as you make the high monthly payments that come with a short-term mortgage, you will have more of your money tied up in it. This violates the economic goal of the efficient use of capital, which is to get the maximum amount of benefits for every dollar spent.
- With a macro view, you see that as your interest income compounds, your taxes compound too. And as your taxes increase, your savings rate decreases. It will be hard to compensate for that with high mortgage payments.
- With a macro view, you surmise that over 15 years property taxes are likely to increase, as will homeowners’ insurance, and other expenses.
- With a macro view, you might take a 30-year mortgage instead. For details on what that looks like, listen to the full podcast.
For more on mortgages, taxation, and how to take the macro view of your plan, talk to an experienced financial advisor at Smallwood Wealth.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies.
Welcome to the Wealth Curve Talk podcast, in which John Smallwood, a certified financial planner, identifies key areas of pressure on your wealth and strategizes with you to reduce it.
In this episode, John gets you to think about your wealth management plan from the point of view of retirement. He wants to make sure that you have the maximum earned income available to protect you from the pressures that may await you in what should be your golden years.
Don’t miss John’s key takeaways on retirement pressures:
- There is a distinct possibility that you may have to retire earlier than you want to, like 49% of current retirees, due to job loss or health issues.
- People are living longer than ever, and in better health than before. Longevity combined with a possible earlier-than-wished-for retirement could mean a need for some significant capital to sustain you through your “sunset” years.
- Inflation is the “stealth tax” of retirement that will seriously cut your purchasing power to the tune of 26% in the first 10 years or 46% in the first 20 years.
- Your expected revenue sources may not last through all of retirement. For example, if one spouse dies, the survivor will get reduced Social Security, and possibly not be entitled to the pension. (Some pensions are “life-only,” which means they cease upon a person’s death.)
- You may face different tax laws, and maybe even a higher tax bracket, in retirement.
- Your health care costs are likely to increase significantly in retirement.
- Your family may continue to need your support just when you need capital to pay your bills.
If this has got your wheels turning, we want to help. Let an experienced financial advisor take you through these areas of concern in retirement and revise your plan accordingly.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John exposes the three main areas directing pressure on your wealth and sketches out some strategies for pushing back.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John addresses the idea of risk. For most people, the risk can simply imply a loss of investments. John expands the conversation to encompass risks that come from all different directions. He wants you to be able to identify and address each one in your financial plan.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John explains the many ways to save, and the proper amounts to save based on your income. He emphasizes its place as the foundation for your financial plan.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John fills us in on the most recent updates from the IRS on the technique referred to as “crack and pack.” The IRS has vowed to come after it!
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
This is a very special episode in which we get to know John both as a financial service professional and a person. We'll learn why John admires Dave Grohl, former drummer of Nirvana and founder of the Foo Fighters, John’s most important measure of success, his #1 product recommendations and more.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John takes a look at the history of the markets in the US to illustrate the possibility that a down market is coming very soon. He stresses that you need to both be ready to take advantage. You also need to protect your sources of retirement income from down market pressures.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood of Smallwood Wealth Management discusses seven goals for your financial plan that you can use as a check on any new strategy you want to implement.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood discusses the emerging crisis with America's pension plans.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood discusses the emerging crisis with America's retirement income.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood answers the question, "What is life insurance?"
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood discusses withdrawal rates using the BlackRock Withdrawal Rate Chart 2016.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood interviews Ed Bao to discuss Motocross and how it compares to financial planning.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood explores Volatility Adjusted Returns with Taxation.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood explores the "miracle" of compound taxation.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
In this episode, John Smallwood explores Asset Class Investing.
TALK TO A FINANCIAL ADVISOR
Call (800) 797-1000 for a 30-minute no-obligation introduction.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
Welcome to the Wealth Curve Talk podcast, in which John Smallwood, a certified financial planner, identifies key areas of pressure on your wealth and strategizes with you to reduce it.
In this episode, John Smallwood explores the 2018 estate tax rule changes. To learn more visit http://www.smallwoodwealth.com
TALK TO A FINANCIAL ADVISOR
Call (800) 797-1000 for a 30-minute no-obligation introduction.
BOOK AN APPOINTMENT
https://go.oncehub.com/ScheduleYourWealthCurveConversation
REQUEST A FREE COPY of 5 Ways Your Wealth Is Under Attack
http://5waysfreebook.com
JOIN OUR NEXT WEBINAR
http://smallwoodwealth.com/smallwood-webinars/
CONNECT WITH US
Facebook -- https://www.facebook.com/pg/SmallwoodWealthManagement
Twitter -- https://twitter.com/smallwoodwealth
LinkedIn -- https://www.linkedin.com/in/john-l-smallwood
Instagram -- https://www.instagram.com/smallwoodwealth/
Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
Welcome to the Wealth Curve Talk podcast, in which John Smallwood, a certified financial planner, identifies key areas of pressure on your wealth and strategizes with you to reduce it.
In this episode, John Smallwood explores 5 rules of financial institutions. To learn more visit http://www.smallwoodwealth.com
TALK TO A FINANCIAL ADVISOR
Call (800) 797-1000 for a 30-minute no-obligation introduction.
BOOK AN APPOINTMENT
https://go.oncehub.com/ScheduleYourWealthCurveConversation
REQUEST A FREE COPY of 5 Ways Your Wealth Is Under Attack
http://5waysfreebook.com
JOIN OUR NEXT WEBINAR
http://smallwoodwealth.com/smallwood-webinars/
CONNECT WITH US
Facebook -- https://www.facebook.com/pg/SmallwoodWealthManagement
Twitter -- https://twitter.com/smallwoodwealth
LinkedIn -- https://www.linkedin.com/in/john-l-smallwood
Instagram -- https://www.instagram.com/smallwoodwealth/
Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.
The GOP released its final version of the 2017 Tax Cuts and Job Act on Friday, December 15th. I know that everyone has questions and concerns, so I’m sending you some quick information here.
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Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207. Purshe Kaplan Sterling Investments and Smallwood Wealth Investment Management LLC are not affiliated companies. Investment Advisory Services provided by Smallwood Wealth Investment Management LLC, an SEC Registered Investment Advisor.