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Downers Grove Collision Repair Shop, Bob Carter’s Auto Body Inc, Gains Designation as a Honda and Acura Certified Collision Repair Facility

Downers Grove Collision Repair Shop, Bob Carter’s Auto Body Inc, Gains Designation as a Honda and Acura Certified Collision Repair FacilityPublished on May 24, 2024 Downers Grove, IL – Bob Carter’s Auto Body Inc is proud to announce its recent designation as a Honda and Acura Certified Collision Repair Facility. This certification further solidifies this 3rd generation family-owned auto body repair shop’s commitment to providing high-quality repairs and exceptional service to its customers.With this certification, Bob Carter’s Auto Body Inc has demonstrated its dedication to following original equipment manufacturer (OEM) specifications and guidelines for repairing Honda and Acura vehicles. By adhering to these procedures, the company ensures that repairs are done correctly and in accordance with the manufacturer’s standards.
Michael Carter, owner of Bob Carter’s Auto Body Inc, explains the significance of this certification, stating, “In the past, there were multiple ways you could approach a repair, whereas I think now the gold standard is to follow what the manufacturer recommends, or sometimes I wouldn’t even say recommends, it’s what they tell you. That’s the way to do it. And if a shop isn’t even looking into that, then I think that’s problematic. The cars are engineered a certain way, and if you’re not following those procedures, then you’re not repairing the car correctly.”
By obtaining the Honda and Acura Certified Collision Repair Facility certification, Bob Carter’s Auto Body Inc gains an advantage in the industry. Not only does the certification provide peace of mind to customers, but it also serves as proof to insurance companies that repairs are being done according to the manufacturer’s specifications.
Michael Carter further explains, “It’s a way to gain people’s trust. It’s true. It matters. Not everybody has the equipment. Not everybody has the training to do it. We do. That’s the difference.”
To achieve this prestigious certification, Bob Carter’s Auto Body Inc first had to obtain the I-CAR Gold Class Certification, considered the highest level of training in the industry (mygarage.honda.com/s/honda-collision-repair). Additionally, the company must maintain a commitment to ongoing training, ensuring that its technicians stay up-to-date with the latest repair techniques and industry advancements. They also must have Honda-specific equipment and pass annual in-person shop audits.
One of the notable benefits of the Honda and Acura Certified Collision Repair Facility certification is the access it provides to Honda’s online repair manuals. This invaluable resource ensures that Bob Carter’s Auto Body Inc has all the necessary information and tools to confidently repair Honda and Acura vehicles.
“We now know we have everything that we need in order to repair their cars”, says Michael Carter. “There’s nothing we’re lacking according to Honda. They’re the ones that are signing off on it.”
Bob Carter’s Auto Body Inc was specifically sought out by Honda and Acura to apply for this certification. Recognizing the need in the market, the company seized the opportunity to enhance its services and capitalize on this prestigious designation.
About Bob Carter’s Auto Body Inc:This highly trusted Downers Grove auto body repair shop, Bob Carter’s Auto Body Inc, is committed to providing safe and quality repairs. Their team also holds I-CAR Gold Certification, showcasing their dedication to ongoing training and education in the rapidly changing field of vehicle technology.
To learn more about Bob Carter’s Auto Body Inc and their Honda and Acura Certified Collision Repair Facility certification, please visit their website at https://bobcartersautobody.com or contact them directly at (630) 852-3578.

Location Info:Bob Carter’s Auto Body Inc4309 Fairview Ave, Downers Grove, IL 60515(630) 852-3578

Stephen Ng, CLU, ChFC, CEP Founder of Stephen Ng Financial Group, Interviewed on the Influential Entrepreneurs Podcast Discussing IRA Rescue to Leverage Retirement Wealth

Stephen Ng, CLU, ChFC, CEP Founder of Stephen Ng Financial Group, Interviewed on the Influential Entrepreneurs Podcast Discussing IRA Rescue to Leverage Retirement WealthPublished on May 22, 2024 Stephen Ng discusses the importance of IRA rescue strategies. 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-stephen-ng-clu-chfc-cep-founder-of-stephen-ng-financial-group-discussing-ira-rescue-to-leverage-retirement-wealth/ 
Converting an IRA to tax-free money is a crucial strategy for retirement planning that can help individuals maximize their wealth and minimize their tax liabilities. In a podcast episode of Influential Entrepreneurs, Stephen Ng, the founder of Stephen Ng Financial Group, discusses the concept of IRA Rescue and how it can be used to leverage retirement wealth.
The term IRA Rescue refers to various strategies that can be employed to convert traditional IRA assets, such as qualified plans like 401(k)s, 403(b) plans, and deferred compensation plans, into tax-free money. The primary goal of IRA Rescue is to avoid excessive taxation on IRA funds, especially as individuals age and are required to take mandatory distributions (RMDs) from their accounts. As Stephen Ng points out, the IRS imposes increasingly higher RMDs as individuals grow older, which can significantly impact their tax burden in retirement.
One of the key reasons why converting an IRA to tax-free money is essential is the looming threat of rising tax rates and government debt. With the U.S. debt reaching trillions of dollars, it is evident that the government needs to generate revenue, and taxing retirement accounts is one way to do so. By proactively converting IRA assets to tax-free funds, individuals can protect their wealth from being eroded by taxes and ensure a secure financial future.
Furthermore, some misconceptions and pitfalls can hinder retirement wealth growth if not addressed. Many individuals mistakenly believe that traditional IRAs are tax-deferred assets that will be taxed at a lower rate in retirement. However, as tax rates are unpredictable and likely to increase, relying solely on traditional IRAs for retirement income can lead to higher tax liabilities in the long run. Additionally, failing to take required minimum distributions (RMDs) from IRA accounts can result in severe penalties and further tax consequences.
Stephen Ng explained: “The IRA rescue strategies will not only complement traditional retirement planning, but it has a big impact on one’s financial plan when a client is alive, and more importantly, when a client is not around, of the transfer of wealth to the beneficiaries.”
Stephen also said: “We help clients to grow, protect, and leverage their wealth.” 
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About Stephen Ng
Stephen Ng, whom you may have seen in NBC, Forbes, Wall Street Journal, U.S. News and World Report, New York Daily News, and others. He has also been interviewed by Fox TV and Christian Television Network. Stephen is the Author of “10 Financial Mistakes You Should Avoid” which has been a wonderful resource for many of his clients. All of the proceeds from the book sales go to benefit World Vision International. Stephen is also the Founder and President of Stephen Ng Financial Group.
Stephen is married, has 3 children, and resides in New Jersey and Florida. Stephen is a warm and passionate communicator who loves to share his financial wisdom and insights. He served as a Deacon at Trust In God Baptist Church in New York City and was the Chairman of the Board from 2008 to 2016. Currently, he serves as a trustee for Doxa Church in New York City. Stephen attends Bell Shoals Church, in Brandon, Florida. He loves to travel and frequently speaks internationally during mission trips with his church.
Learn More: https://www.stephenngfg.com/
Recent news and interviews

Stephen Ng Discusses How to Grow & Protect Retirement Wealth:

https://authoritypresswire.com/stephen-ng-clu-chfc-cep-founder-of-stephen-ng-financial-group-interviewed-on-the-influential-entrepreneurs-podcast-discussing-how-to-grow-protect-retirement-wealth/

Stephen Ng Discusses Understanding Long-Term Care to Leverage Retirement Wealth:

https://authoritypresswire.com/stephen-ng-clu-chfc-cep-founder-of-stephen-ng-financial-group-on-the-influential-entrepreneurs-podcast-understanding-long-term-care-to-leverage-retirement-wealth/
 
 
The views expressed are not necessarily the opinion of Stephen NG, and should not be construed directly or indirectly, as an offer to buy or sell any securities or services mentioned herein. Investing is subject to risks including loss of principal invested. Past performance is not a guarantee of future results. No strategy can assure a profit nor protect against loss. Please note that individual situations can vary. Therefore, the information should only be relied upon when coordinated with individual professional advice.Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Southern Bone & Joint Foundation Announces 2024 Scholarship Recipients

Southern Bone & Joint Foundation Announces 2024 Scholarship RecipientsPublished on May 20, 2024 Southern Bone & Joint Specialists Foundation unveils the recipients of the 2024 scholarship initiative. Through the annual Ronnie Randall Memorial Golf Tournament proceeds, the foundation is empowering local high school seniors as they embark on their educational journey in healthcare disciplines.Dothan, AL, May 20, 2024 — Southern Bone & Joint Specialists Foundation is proud to announce the recipients of its 2024 scholarship program. Funded by the proceeds from the annual Ronnie Randall Memorial Golf Tournament, the scholarship program supports local high school seniors in their pursuit of higher education in healthcare-related fields.
2024 Scholarship Recipients
The following students have demonstrated exceptional academic achievement, community involvement, and a passion for healthcare, earning them the Southern Bone & Joint Specialists Foundation Scholarship:
Ansley Brunson, Brantley High School
Audrey McDonald, Carroll High School
Kaylin Dorsey, Northside Methodist Academy
Caroline Reeves, Andalusia High School
Holley Hart, Houston Academy
Rae Houston, Dale County High School
Mason Slay, Slocomb High School
Tiffany Motley, Enterprise High School
These outstanding students were selected based on their essays reflecting on personal experiences or beliefs where they challenged something they previously thought to be true, along with their overall academic performance and commitment to pursuing a career in healthcare.
“We are delighted to support these exceptional students as they take the next step in their academic journeys toward careers in healthcare,” said Dr. Chase Smith, President of Southern Bone and Joint Specialists. “Their dedication and passion for helping others through medicine is truly inspiring.”
The Southern Bone and Joint Specialists Foundation scholarship program awards financial aid to graduating high school seniors from Barbour, Coffee, Covington, Crenshaw, Dale, Geneva, Henry, Houston, and Pike counties in Alabama who plan to pursue higher education in healthcare-related fields. Funds are raised through the annual Ronnie Randall Memorial Golf Tournament.
Southern Bone & Joint Specialists is Southeast Alabama’s leading orthopedic clinic with two offices in Dothan as well as offices in Enterprise, Ozark, Eufaula, Andalusia, and Troy, Alabama. Our mission extends beyond healthcare, as we strive to promote wellness, support community services, and expand access to education through our Foundation. The scholarship program is one of the many ways we give back to the community, helping to support the next generation of healthcare professionals.
The Ronnie Randall Memorial Golf Tournament
The Ronnie Randall Memorial Golf Tournament, held annually, is the primary fundraiser for the Southern Bone & Joint Specialists Foundation Scholarship Program. The event brings together community members, local businesses, and supporters to raise funds that directly benefit local students, enabling them to achieve their educational and professional goals in the healthcare field.
For more information about Southern Bone & Joint Specialists, our Foundation, or the scholarship program, please visit our website.

Location Info:Southern Bone & Joint Specialists345 Healthwest Dr, Dothan, AL 36303+13347932663

Michael Opp, Founder of Opp Financial, Interviewed on the Influential Entrepreneurs Podcast Discussing Their Unique Approach to Portfolio Diversification

Michael Opp, Founder of Opp Financial, Interviewed on the Influential Entrepreneurs Podcast Discussing Their Unique Approach to Portfolio DiversificationPublished on May 20, 2024 Michael Opp discusses properly diversifying a portfolio.
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-michael-opp-founder-of-opp-financial-their-unique-approach-to-portfolio-diversification/ 
Michael Opp highlights the importance of properly diversifying and managing risk. Michael discusses the need to have a portion of the portfolio that is considered “must money” – money that cannot afford to be lost. This money should be invested in assets that offer guaranteed rates of return and minimal risk. On the other hand, there is a portion of the portfolio that can tolerate some level of risk in exchange for potential gains.
The key to proper diversification lies in understanding the different categories of investments and determining the right investment to accomplish specific goals. It is not enough to simply have a mix of mutual funds and bond funds; investors must ensure that their investments align with their risk tolerance and financial needs. For example, owning bonds directly may offer less risk than investing in a bond fund, as the latter carries additional risks.
Dynamic risk management is also highlighted as crucial in adapting to changing circumstances. Life events, such as job loss or unexpected expenses, can impact an investor’s risk profile and necessitate adjustments to their investment strategy. Regular reviews with a financial advisor can help ensure that the portfolio remains aligned with the investor’s changing needs and circumstances.
In conclusion, properly diversifying and managing risk involves more than just spreading investments across different asset classes. It requires a deep understanding of risk, clear communication with a financial advisor, and the flexibility to adapt to changing circumstances. By implementing a true diversification strategy and practicing dynamic risk management, investors can better protect their assets and navigate the complexities of the market with greater confidence.
Michael said: “I realized there’s only two types of diversification. Diversification is no risk. And, that’s where we start with our clients. This money you cannot lose. We look at the asset classes, they’re guaranteed, principal guaranteed, maybe your return guaranteed, and then your risk money. So that’s where diversification ought to be in clients’ minds today.”
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About Michael Opp
Michael has been working in wealth management for over 25 years. He holds a Series 65 license and Insurance license. As a Fiduciary, he has provided financial services to business owners, families, and individuals.  Michael has access to a wide array of financial assets. Enabling him to successfully meet the financial planning needs of his clients while building long-lasting, meaningful relationships with them.
Michael received a B.S. in Business Administration and a minor in Economics in 1992.  Michael’s belief in being a well-rounded individual, allowed him to compete in college football and track at the University of Redlands in California. He continued to compete in the track and field circuit until just after the 1996 U.S. Olympic Trials. This experience compelled him to give something back to his community.  Michael coached high school, youth football, and track and field for over 17 years. He also has been married to his wife, Tamalynn since 1996. They are proud parents of three children Brady, Lance, and Elena.
Learn More: https://www.oppfinancial.com/

Recent news and interviews:

Michael Opp Discusses Guaranteed Investment Income to Meet an RMD Strategy:

https://authoritypresswire.com/michael-opp-founder-of-opp-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-guaranteed-investment-income-to-meet-an-rmd-strategy/

Michael Opp Discusses Purpose vs Performance-Fiduciary Concerns & Purpose Driven Accounts:

https://authoritypresswire.com/michael-opp-founder-of-opp-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-purpose-vs-performance-fiduciary-concerns-purpose-driven-accounts/

Advisory services offered by Wealth Watch Advisors, LLC. All other services are offered through Opp Financial Group, LLC. Wealth Watch Advisors, LLC and Opp Financial Group, LLC are not affiliated.

Stephen Ng, CLU, ChFC, CEP Founder of Stephen Ng Financial Group, On the Influential Entrepreneurs Podcast – Understanding Long-Term Care to Leverage Retirement Wealth

Stephen Ng, CLU, ChFC, CEP Founder of Stephen Ng Financial Group, On the Influential Entrepreneurs Podcast – Understanding Long-Term Care to Leverage Retirement WealthPublished on May 20, 2024 Stephen Ng discusses long-term care considerations: maximizing retirement wealth and security.
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-stephen-ng-clu-chfc-cep-founder-of-stephen-ng-financial-group-understanding-long-term-care-to-leverage-retirement-wealth/
Long-term care insurance is often viewed as expensive, but there are ways to structure it to make it more affordable. One strategy is to consider options with riders that provide additional benefits if long-term care is not needed. For example, with a fixed annuity or a life insurance policy with a long-term care rider, any unused funds can be passed on to beneficiaries, unlike a pure long-term care policy where premiums are paid to the insurance company.
Incorporating long-term care into a retirement and financial plan is crucial to protect against the depletion of retirement assets. Long-term care insurance strategies are designed to help individuals protect their wealth and assets in the event of needing long-term care services. Planning early is key, as the costs of long-term care can be significant and are expected to increase each year. For example, the average cost of long-term care nationwide is around $100,000 yearly and is projected to increase by 8% each year.
Different types of long-term care, such as dementia care, can be even more expensive than traditional long-term care services. It is important to consider these factors when planning for long-term care costs and to work with a financial advisor to create a plan that meets individual needs and circumstances.
In conclusion, planning for long-term care costs is a critical aspect of retirement planning. By exploring different strategies, understanding potential costs, and working with a financial advisor, individuals can create a comprehensive plan that ensures they are prepared for any long-term care needs that may arise in the future.
It is essential to plan early and consider all factors to protect retirement assets and ensure financial security in the later years of life.
Stephen shared: “We help clients to grow, protect, and leverage their wealth. “
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About Stephen Ng
Stephen Ng, whom you may have seen in NBC, Forbes, Wall Street Journal, U.S. News and World Report, New York Daily News, and others. He has also been interviewed by Fox TV and Christian Television Network. Stephen is the Author of “10 Financial Mistakes You Should Avoid” which has been a wonderful resource for many of his clients. All of the proceeds from the book sales go to benefit World Vision International. Stephen is also the Founder and President of Stephen Ng Financial Group.
Stephen is married, has 3 children, and resides in New Jersey and Florida. Stephen is a warm and passionate communicator who loves to share his financial wisdom and insights. He served as a Deacon at Trust In God Baptist Church in New York City and was the Chairman of the Board from 2008 to 2016. Currently, he serves as a trustee for Doxa Church in New York City. Stephen attends Bell Shoals Church, in Brandon, Florida. He loves to travel and frequently speaks internationally during mission trips with his church.
Learn More: https://www.stephenngfg.com/

Recent news and interviews:

Stephen Ng Discusses How to Grow & Protect Retirement Wealth:

https://authoritypresswire.com/stephen-ng-clu-chfc-cep-founder-of-stephen-ng-financial-group-interviewed-on-the-influential-entrepreneurs-podcast-discussing-how-to-grow-protect-retirement-wealth/

The views expressed are not necessarily the opinion of Stephen NG, and should not be construed directly or indirectly, as an offer to buy or sell any securities or services mentioned herein. Investing is subject to risks including loss of principal invested. Past performance is not a guarantee of future results. No strategy can assure a profit nor protect against loss. Please note that individual situations can vary. Therefore, the information should only be relied upon when coordinated with individual professional advice.Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Linda Jensen, Certified Exit Planning Advisor (CEPA), Discussing Exit Planning

Linda Jensen, Certified Exit Planning Advisor (CEPA), Discussing Exit PlanningPublished on May 20, 2024 An Exit Planning Service is designed to empower entrepreneurs and business owners to prepare for the sale or transition of their businesses strategically. This tailored service maximizes company value and ensures a seamless transition, whether for retirement, sale, or succession planning.
In today’s rapidly evolving business environment, exit planning has become an essential part of a successful business strategy, yet it remains an often-overlooked aspect of business ownership. Linda Jensen addresses this gap by offering comprehensive support, including valuation enhancement, financial analysis, strategic planning, and more, all customized to meet the unique needs of each client.
Understanding the complexities involved in exiting a business, from valuation to finding the right buyer, can be daunting for many business owners. The goal is to demystify this process, providing the clients with the insights, tools, and support they need to make informed decisions and achieve their desired outcomes.
“We believe this is important because there will be a tremendous amount of baby boomer business owners that will transition over the next 10 years.  The biggest problem is that only 20% of businesses actually sell.  We have a team of professionals that will assist the business owners and ensure their success.” said Linda Jensen. 
By leveraging Linda Jensen’s extensive network of industry experts, clients will have access to top-tier advice and support throughout the exit planning process. This includes legal, financial, and strategic guidance to ensure that every aspect of the exit is meticulously planned and executed. 
About Linda Jensen 
Heart Financial Group and Lower Your Taxes Today are committed to help businesses become more profitable, increase their valuation, and increase their multiple in the event of a sale.  
Learn More: https://www.heartfinancialgroup.com/  

Investment advisory services are offered through Wealth Watch Advisors, an SEC registered investment advisor.  Wealth Watch Advisors and Heart Financial Group are independent of one another.  Please note that the registration with the SEC does not guarantee the success of investment advice. 

Welsh Actress to Unveil New TV Show at Cannes Film Festival

Welsh Actress to Unveil New TV Show at Cannes Film FestivalPublished on May 20, 2024 Welsh actress Luana Ribeira will be at the Cannes Film Festival this month to unveil her new TV show.

It’s Luana is a comedy series including spoof news, sketches, satire and music. Featuring Luana alongside a diverse cast, the show will be premiered at Cannes at the Pavillon Afriques on May 22.

The programme will appear on Dauntless TV, a new channel being released on Amazon Fire TV next month. Luana, who lives in Anglesey, will be filming an episode of another of the channel’s shows – Dauntless Movie Hub – and interviewing up-and-coming actors and filmmakers at the festival.

Luana, who also is the founder of Dauntless PR – a PR firm which specialises in building personal brands, says: “Dauntless TV has been in the pipeline for a while now and I am so excited about unveiling our vision at Cannes and giving people a sneak peek of the channel’s flagship show It’s Luana. I originally set out to make just one type of programme but had so many ideas, we have ended up creating a whole channel.

“While I’m in Cannes, I’ll also be attending the screening of a TV drama pilot I star in called Deep Undercover. I play the role of Home Secretary Jasmine Gold and I can’t wait to see it on the big screen.”

Dauntless TV will initially feature four different shows, although there is potential for more to be added to the lineup. As well as the comedy sketch show It’s Luana, there will be Dauntless Music Hub, Dauntless Lives and Dauntless Movie Hub.

Dauntless Lives aims to shine a spotlight on ordinary people living extraordinary lives. As the host, Luana talks to inspiring guests who want to make an impact and share their experiences and message with the world.

Dauntless Movie Hub will showcase feature films, short movies and television pilots from independent filmmakers, while Dauntless Music Hub will feature musical artists from around the world. Whether they are a band, DJ or solo artist, they will perform on the show and engage in discussions with the show’s host, Luana.

Luana will be taking her 15-year-old daughter Seren Cohen with her to the Cannes Film Festival. Seren, who attends Ysgol Gyfun Llangefni, wants to become a voice-over actress and will be attending the event to meet industry professionals and make contacts to kickstart her career.

Financial Strategist Chris Quintana Reveals Secrets Building Wealth in 3-10 Years

Financial Strategist Chris Quintana Reveals Secrets Building Wealth in 3-10 YearsPublished on May 17, 2024 Financial Services Marketing Expert Seth Greene recently hosted a podcast episode featuring Chris Quintana, a financial strategist who uses a nontraditional approach to help clients create financial freedom within 3-10 years.Seth Greene’s RIA Podcast series, provides valuable insights and strategies for individuals looking to take control of their financial future.

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He recently interviewed Chris Quintana, a financial strategist who uses a nontraditional approach to help clients create financial freedom in 3-10 years. The episode, which is part of Greene’s RIA Podcast series, provides valuable insights and strategies for individuals looking to take control of their financial future.

“Her willingness to challenge the status quo and provide alternative solutions is exactly what our listeners need to hear.”

In the episode, Quintana shares how she got into the financial services industry after being taken advantage of by a “supposed professional.”
This experience sparked her desire to educate herself and others on the inner workings of the financial system, which she describes as “rigged” against the average person.

“The more I learned, the more I realized that our financial system and our government have basically rigged the system,” said Quintana.

“It’s like we’re playing a money game, but we have no rules. Many of my clients are doctors who are making good money, but they have no financial education, so they’re not making the right choices with their money.”

Quintana went on to explain her “Financial Freedom Formula,” which helps clients create cash flow and achieve financial independence in a fraction of the time traditionally recommended. This nontraditional approach includes strategies like bridge loans and tax planning rather than relying solely on the stock market and traditional investment vehicles.

“Cash flow is really what it’s all about,” Quintana stated.
“Financial freedom that people are trying to reach in 45-plus years, they’d never have to do that if they would have known a different route, which is the opposite direction of the financial industry.”

Listeners of the podcast episode will be intrigued by Quintana’s insights on the shortcomings of the traditional financial system and motivated by her proven strategies for building wealth. The episode is a must-listen for anyone seeking an alternative path to achieving financial security and independence.
To listen to the full episode, visit  RIA Podcast series.
About Chris Quintana
Chris Quintana is a renowned CEO and financial expert specializing in teaching clients how to achieve financial freedom in a shorter period of time.

“At CQ Consulting Services, our mission is to empower individuals with safe, innovative, and intentional strategies that can transform their financial lives. We want to help people make more money, keep more money, and live more now,” said Quintana.

Chris Quintana’s strategies for achieving financial freedom are truly revolutionary. Connect with Chris here.
Visit cqconsultingservices.com

Chris Quintana and Stephanie Georgakopoulos of Cash Flow Hacks Highlight the Importance of Estate Planning for Everyone

Chris Quintana and Stephanie Georgakopoulos of Cash Flow Hacks Highlight the Importance of Estate Planning for EveryonePublished on May 17, 2024 Cash Flow Hacks, the popular financial podcast hosted by Chris Quintana, has released a new episode that dives into the topic of estate planning. In this informative episode, Chris and her guest, Stephanie Georgakopoulos, shed light on the misconceptions surrounding estate planning and emphasize its importance for individuals of all financial backgrounds.
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The episode begins with Chris introducing Stephanie as her guest and setting the stage for a discussion on estate planning. Chris emphasizes the need to educate listeners about topics their financial advisors may not cover, as “the less people know, the more financial advisors can profit.” Stephanie then explains that estate planning is not just for the wealthy but is relevant at all stages of life.
She breaks down the essential documents in an estate plan, such as wills, living wills, health care proxies, financial powers of attorney, and trusts. One key point Stephanie makes is the significance of having a will. She shares a cautionary tale about a client named Karen, who mistakenly left her late husband’s 401k assets to his ex-wife because she did not understand the implications of beneficiary designations. This story serves as a powerful reminder of the importance of seeking professional advice when creating a will. Chris then takes the mic to discuss living wills and healthcare proxies. She explains that these documents allow individuals to outline their medical treatment preferences and designate someone to make decisions on their behalf if they become unable to do so. Chris stresses the importance of having these documents in place to avoid burdening loved ones with difficult decisions during already stressful times. The conversation then shifts to financial powers of attorney, which grant someone the authority to act on behalf of the principal (the person creating the document) in financial matters. Chris and Stephanie discuss the benefits of having a financial power of attorney and the situations in which it can be crucial.
Finally, the episode delves into the topic of trusts. Chris explains that a trust can help protect assets from probate and estate taxes, which can be costly and time-consuming. She highlights the importance of including certain assets, such as bank accounts, investment accounts, and real estate, in a trust to avoid probate. Chris also introduces the concept of a “hybrid trust,” which offers the benefits of both a revocable and irrevocable trust, providing asset protection, tax benefits, and flexibility.
To encourage listeners to tune in to the full episode, Chris and Stephanie tease some intriguing points discussed, creating curiosity. They also invite listeners to leave questions in the comments section of their Facebook page or in a review on Apple Podcasts, promising to address them in future episodes.
Listeners can access the full episode on the Cash Flow Hacks website or subscribe to the podcast on Apple Podcasts, Spotify, or their preferred podcast platform.
About Cash Flow Hacks: Chris Quintana hosts Cash Flow Hacks, a financial podcast that provides valuable insights and strategies to help individuals make more, save more, and live more in the present. By tackling topics that traditional financial advisors may not cover, Cash Flow Hacks empowers listeners to take control of their financial future.
Get more information at CQ Consulting Services.

Cashflow Hack Podcast Episode 8 Highlights Tax-Free Retirement Plan: The Swiss Army Knife of Retirement Strategies: Life Insurance

Cashflow Hack Podcast Episode 8 Highlights Tax-Free Retirement Plan: The Swiss Army Knife of Retirement Strategies: Life InsurancePublished on May 17, 2024 Chris Quintana and Stephanie Georgakopoulos reveal tax-free retirement plans in this episode of Cashflow Hacks focusing on life insurance.The latest episode of the Cashflow Hack podcast, hosted by Chris Quintana and Stephanie Georgakopoulos, delves into the topic of tax-free retirement plans. In this eye-opening episode, Quintana and Georgakopoulos discuss the benefits of utilizing life insurance as a retirement strategy and provide insights into how it can help business owners achieve financial security in their golden years.
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The hosts kick off the episode by emphasizing the importance of having a tax-free retirement plan. Quintana states, “There is a vast difference between pulling out $100k a year tax-free in retirement and pulling out $100k and paying taxes on it. The amount you have left to live off is significantly impacted by taxes.”
Georgakopoulos adds, “Many small business owners haven’t set up a retirement plan because they know they should, but they procrastinate. Unfortunately, many find themselves without the financial means to do so. That’s where life insurance comes in as a powerful tool for business owners.”
Throughout the episode, the hosts share personal anecdotes and expert insights to tease listeners on the intriguing points of using life insurance for retirement planning. They highlight the following reasons why life insurance is an ideal retirement solution:

Protection for Family: Life insurance provides coverage for business debt and ensures financial security for the family in case of the owner’s death. Quintana emphasizes, “Life insurance shouldn’t be considered an extra or an expense; it should be standard practice for all business owners.”

Flexibility for Business Owners: Life insurance allows business owners to set up a tax-qualified plan without the burden of funding retirement accounts for employees.

Georgakopoulos explains, “Business owners who want to help their employees plan for retirement can benefit from life insurance since there is no requirement to fund employee accounts.”

Simple and Easy: Life insurance policies have no separate record-keeping or reporting requirements, relieving business owners of tedious reporting tasks.

No Limit on Savings: Unlike other retirement accounts, life insurance policies have nomaximum limit on contributions. This flexibility is particularly beneficial for business owners who may have fluctuating incomes.

Liquidity: Life insurance policies provide instant liquidity to the owners’ estate, allowing beneficiaries to receive the death benefit quickly. Additionally, policyholders can tap into the cash value of the policy for emergencies or business needs.

Tax-Free Retirement: The most compelling reason to consider life insurance as a retirement solution is the ability to take tax-free loans from the policy’s cash value. Quintana points out, “Taking a $100,000 loan from a life insurance policy means you can spend the full $100,000 in retirement, while traditional retirement accounts may require paying taxes on the amount withdrawn.”

The hosts conclude the episode by emphasizing the significance of properly designed life insurance policies for retirement planning. They encourage listeners to reach out with any questions or topics they would like to explore in future episodes.
To listen to the full episode and learn more about tax-free retirement plans, visit the Cashflow Hacks podcast on Apple Podcasts, Spotify, or their official website.
About Cashflow Hacks Podcast: Cashflow Hacks is a podcast dedicated to helping individuals and business owners optimize their financial strategies and make informed decisions about their money. Hosted by financial experts Chris Quintana and Stephanie Georgakopoulos, the podcast covers a wide range of topics related to wealth creation, tax planning, cash flow management, and retirement strategies. Each episode provides practical tips, advice, and real-life stories to inspire and educate listeners on achieving financial freedom.
To talk to Chris directly, make an appointment here.