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Josh D. Millang, President of Retirement Protectors Discussing How Taxes Impact Retirement, Interviewed on Influential Entrepreneurs Podcast

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Josh D. Millang, President of Retirement Protectors Discussing How Taxes Impact Retirement, Interviewed on Influential Entrepreneurs Podcast

Published on November 27, 2022

Josh Millang discusses how taxes impact retirement.

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-josh-d-millang-president-of-retirement-protectors-discussing-how-taxes-impact-retirement/

Taxes are a significant factor to consider when creating a retirement plan. Paying taxes on income can significantly reduce the amount of money available for retirement savings. It is essential to understand how taxes can impact people’s plans and make adjustments accordingly.

 Josh said: “By being aware of the tax implications, people can make more informed financial decisions that will help them reach their retirement goals more quickly. Knowing the types of income affected by taxes, as well as understanding how those taxes are calculated, is an essential part of having a successful retirement strategy.”

It is essential to understand how taxes are calculated and which types of income may be eligible for tax exemptions or deductions. For example, capital gains from investments such as stocks or mutual funds may be subject to different tax rates than ordinary income from salaries or wages. Furthermore, certain types of investment income may not be taxable at all.

In addition to understanding the types of income affected by taxes, it is crucial to know how those taxes are calculated. Tax rates vary based on a person’s filing status, adjusted gross income, and other factors. Knowing a person’s specific tax rate can help them make more informed decisions about where to invest and how much money they should save for retirement.

Taxes can significantly impact someone’s retirement plans; however, if people plan ahead and take advantage of the various tax benefits available, they can minimize the impact that taxes have on their finances in retirement. Understanding the applicable tax laws and taking advantage of available deductions can help them maximize the money available for retirement savings.

Overall, taxes should be taken into consideration when planning for retirement. Knowing how income is taxed and the various tax benefits available can help people make more informed decisions about their finances in retirement. These decisions can significantly impact their ability to save for and enjoy a comfortable retirement.

About Retirement Protectors

RPI has been actively managing Health, Wealth, and Legacy solutions for over 2,000 retiree clients from our Central Iowa Headquarters since 2008. They are an established succession planning firm for retiring Medicare Insurance Agents and a Wealth/ Legacy Resource for a growing Network of Elite Independent Senior Market Advisors.

HEALTH- With their proprietary Carrier Connect Platform, they educate Medicare Beneficiaries on the multitude of plan types and companies available in their local market, set expectations for their optimal healthcare experience, and support them over time with our Proactive Service Model (TM)

WEALTH- Financial professionals do fabulous work getting people to retirement so that they can work with them. They leverage the strategies, tactics, products, and technology to craft bulletproof retirement income strategies- for retirees that don’t want to run into worries or run out of money.

LEGACY- Most people prefer to leave their legacy to loved ones rather than their greedy Uncle or a local care facility. They implement innovative planning concepts to mitigate these risks, sometimes without exclusively tying up valuable assets.

Learn More: https://www.retireprotected.com/

Previous News Stories:

Josh D. Millang, President of Retirement Protectors Discussing How Social Security Claiming Impacts Retirement

https://authoritypresswire.com/josh-d-millang-president-of-retirement-protectors-discussing-how-social-security-claiming-impacts-retirement-interviewed-on-influential-entrepreneurs-podcast/

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Joe Massey, Senior Loan Officer at Castle & Cooke Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

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Joe Massey, Senior Loan Officer at Castle & Cooke Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

Published on January 31, 2023

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-joe-massey-senior-loan-officer-at-castle-cooke-mortgage/#

Joe Massey discusses the top misconceptions about the mortgage and real estate market.

  1. Misconception #1: A low credit score will automatically disqualify people from getting a mortgage. While it’s true that having a poor credit score can make it harder to get approved for a loan, this isn’t always the case. Every lender has different criteria when evaluating potential borrowers, and in some cases, they may take other factors into account, such as income or job stability, when making a decision. It is possible to get approved for a mortgage with bad credit.
  2. Misconception #2: Real estate investing only requires money. Although capital is important for any real estate venture, many additional skills and knowledge are necessary for success as an investor. From understanding, local markets to knowing how to negotiate and close deals, investing in real estate is much more than just a financial transaction. Those who want to be successful in the field need the right combination of resources and knowledge.
  3. Misconception #3: A mortgage broker doesn’t work for people. Mortgage brokers are there to help guide borrowers through finding the best loan for their needs. They are working on their client’s behalf, helping to ensure they get the best possible deal regarding securing financing.
  4. Misconception #4: The housing market is too unpredictable to invest in. While it’s true that the market can change quickly, there are strategies and methods investors can use to protect themselves against changes in the market. Things like diversification and taking advantage of tax benefits are just two ways savvy investors can safeguard their investments from fluctuations in the market. With proper planning, investing in real estate can still be a profitable and secure endeavor.
  5. Misconception #5: People need a 20% down payment to buy a home. While it is true that some lenders will only approve mortgages with at least 20% down, this isn’t always the case. Plenty of mortgage programs allow borrowers to put less than 20% down when buying a home, including government-backed loans such as FHA or VA loans. People need to do their research, and they may be able to find an option that works for them even if they don’t have a large amount saved up for a down payment.

Joe explained: “There are many misconceptions about mortgages and real estate investments today. It’s important to research and ensure you have the facts before making any decisions. With education and knowledge, you can become a confident investor or homeowner.”

 

Client Myranda Valdez says: “I highly recommend Joe Massey. He helped make our mortgage process run smoothly and answered all of our questions in a timely manner.”

 Client Sarah R. says: “Joe and his team were incredibly thorough and helpful. Joe and our realtor communicated consistently and he and his team did a lot to help us get our house, worked with us on schedules and touched base often to make sure everything was going well. I’m so grateful we worked with Joe and his team!”

 

 About Joe Massey

Joe is a graduate of the Colorado School of Mines with a degree in Economics and Business. Joe has been a lender since 2002; was named as a “Million Dollar Loan Officer” in 2007 and recognized by 5280 Magazine as a Five Star Mortgage Professional since 2012. Joe has been recognized as a top 500 loan originator nationwide by National Mortgage News and Scotsman Guide, most recently being recognized as the #64 top nationwide loan originator for 2021. National Mortgage News has ranked him in the top 1% of all originators nationwide since 2015. Prior to working with residential mortgages, Joe was a commercial lender, underwriter and financial analyst which prepared him for his mortgage career and taught him the specifics of how to get loans approved and how to find the best terms for the customer.

Joe now works as a Senior Loan Officer for Castle & Cooke Mortgage, a Billion Dollar mortgage lender based in Salt Lake City, Utah. In addition to his Loan Officer responsibilities, Joe manages several offices for Castle & Cooke Mortgage, including the Denver branch, which has been a leading office for the past 10 years and remains a top office for 2022 YTD. In partnership with Your Castle Real Estate, First Alliance Title, Pine Financial and other real estate companies in Denver, Joe has closed hundreds of loans for both experienced and first-time homebuyers as well as numerous property investors. Joe continues to contribute to the real estate and mortgage community with his monthly presentations on financing options and continuing education.

Learn more:

https://www.linkedin.com/in/jmasseylending/

https://www.loansbyjoemassey.com

NMLS #220170

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Energy Healer Fran Bailey Launches New Website to Share Her Vast Healing Knowledge

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Energy Healer Fran Bailey Launches New Website to Share Her Vast Healing Knowledge

Published on January 31, 2023

Fran Bailey, founder of The SHEVA Method and author of EMERGENCE: Reveal Your Essence has launched a new website especially created for 2023. The new site offers practitioners and clients the best energy medicine opportunities today.

Leading energy healer Fran Bailey has announced the launch of her new website, offering updated services especially created for 2023 plus Integration mentoring to help people live their best lives. Bailey, a renowned expert in energy medicine and the founder of The SHEVA Method, is excited to share her extensive knowledge and experience to help people benefit from the powerful healing potential of energy medicine.

Bailey’s new website is designed to provide online learning opportunities plus one on one resources for those interested in exploring the world of energy medicine. With a new focus on Mentoring, the site offers personalized support and guidance to help individuals understand and integrate energy medicine into their daily lives. The website offers a range of updated services that are specifically tailored for 2023, including virtual workshops, personalized healing sessions, and group mentoring.

As a seasoned practitioner with 20 years of experience, Bailey is passionate about helping people tap into their inner power to achieve their health and wellness goals. She has been widely recognized for her ability to facilitate healing and transformation through energy medicine and is widely considered a thought leader in the field.

Bailey’s new website offers a wealth of information and resources for those seeking to deepen their understanding of self-healing. From educational articles and videos to online workshops and events, the site provides a wealth of opportunities for client’s empowerment, health, growth and exploration.

“I am so excited to launch this new website and share my knowledge and experience with a wider audience,” said Bailey. “The SHEVA Method has the potential to change lives, and I am passionate about helping people tap into this powerful healing modality. Whether you’re just starting out or you’re a seasoned practitioner, there is something for everyone on my site.”

Bailey’s new website is designed to help individuals take their healing journey to the next level. Whether you’re looking to deepen your knowledge, find better all-around health, body mind and spirit support, or connect with other like-minded individuals, the site is your go-to resource for all things energy medicine.

To learn more about Fran Bailey and her new website, visit franbaileyhealer.com.

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Gavin Ekstrom, Senior Vice President of CrossCountry Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

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Gavin Ekstrom, Senior Vice President of CrossCountry Mortgage, Interviewed on the Colorado Real Estate Leaders Podcast

Published on January 31, 2023

Gavin Ekstrom discusses why Mentorship is essential for building a mortgage team. 

Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-gavin-ekstrom-senior-vice-president-of-crosscountry-mortgage/

Gavin says: “Mentorship provides an invaluable opportunity to build a strong mortgage team. A mentor is someone with extensive experience and knowledge in the field who can share their expertise and offer advice and support to less experienced individuals. Mentors can help develop employees’ skills, guide best practices, assist with problem-solving, and foster collaboration among team members. Having a mentor on board gives employees access to experienced professionals who understand the industry inside out.”

Furthermore, Mentorship helps build relationships within the mortgage team by providing a forum for open communication and dialogue. It also helps build trust among team members, which is essential for any successful business. Through one-on-one conversations and formal meetings led by the mentor, team members can gain greater insight into each other’s strengths and weaknesses and how to work together more effectively.

Mentorship can be beneficial to both the mentor and the mentee. For the mentor, Mentorship allows them to give back to their industry by helping young professionals grow and become better at their job. Mentees benefit from having a trusted advisor who they can turn to for support and guidance as they navigate their career journey.

Overall, Mentorship is an invaluable tool for building a solid mortgage team that works together successfully and achieves success in the competitive marketplace.

By creating an environment where mentors provide guidance and support, teams can gain a deeper understanding of each other’s strengths and weaknesses while building trust and relationships. This, in turn, can create a more efficient and effective mortgage team, which will help drive success in the long run.

Client Kristen Goldner says: “Gavin and his team are amazing to work with. You won’t find better customer service – they are the best at communication and working with your unique situation. Highly recommend!”.

 Client Amanda L. says: “It’s all about service with Team Gavin! From start to finish our home-buying process was smooth and easy. We highly recommend Team Gavin, and will definitely use them for our future home-buying needs!”

 

 About Gavin Ekstrom

Gavin and his team are some of the top producers in the area, having closed 667 units in 2021, with more than $235 million in funding. Gavin’s approach to lending starts with the customer first. The team’s top priority is to understand a client’s goals so that they can offer a home loan that is right for the individual. Our biggest goal is to ensure clients are 100% satisfied through each process step.

Gavin has worked in the mortgage industry since 1993, providing countless hours of assistance and guidance to homebuyers. Whether buying, refinancing or renovating, Gavin is ready to give you the outstanding home loan experience you deserve. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. Gavin and his team offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual, and our recommendations will respect your unique circumstances!

Communication is critical, and sharing information is as important as listening. We will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. Our promise to you is that we will be with you every step, from application to closing and beyond.

Urgency is a core value of Gavin and his team. Gavin will be able to provide you with quick and prompt service, with options to close loans in as little as 10 days.*

Learn more:

https://www.linkedin.com/in/gavinekstrom

https://www.gavinekstromccm.com/

NMLS #220170

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