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Josh D. Millang, President of Retirement Protectors, was Interviewed on the Influential Entrepreneurs Podcast Discussing Innovative Long-Term Care Strategies

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Josh D. Millang, President of Retirement Protectors, was Interviewed on the Influential Entrepreneurs Podcast Discussing Innovative Long-Term Care Strategies

Published on December 28, 2022

Josh Millang discusses how to plan for long-term care.

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-josh-d-millang-president-of-retirement-protectors-discussing-long-term-care-strategies/

Josh explained: Having a long-term care plan in place is essential for providing for yourself or your loved ones if there comes a time when assistance with everyday activities such as managing medications and personal hygiene is needed. Long-term care plans can also help protect assets so that expenses related to long-term care can be covered.

To establish a successful plan, one must consider the types of services one may need now and anticipate needing them in the future. Long-term care typically includes formal services like home health aides, nursing homes, assisted living facilities, and adult daycare centers. It also includes informal arrangements such as hiring someone to assist at home or having friends and family members lend a hand. Evaluating options based on cost, lifestyle preferences, and medical needs is essential. Finally, understand the role of insurance in helping to pay for long-term care or if other forms of payment are needed. A well-thought-out plan can provide peace of mind that a family will be taken care of during a difficult time.  

The key to having a successful long-term care plan is being prepared ahead of time. Make sure you have a complete understanding of the services and products that are available to you. Research different long-term care services, such as nursing homes and home health aides, and look into the costs associated with each option. Talk to a doctor about which type of service would be the most beneficial for current medical condition. Finally, discuss insurance coverage for long-term care with a certified, licensed professional to understand what is or isn’t covered by the policy. By taking the steps necessary to create a comprehensive plan now, one can ensure that when the time comes, they’re prepared for long-term care. 

 

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 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, in some cases without exclusively tying up valuable assets.

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

Recent news and articles:

Discussing the Medicare Advantage Madness

https://authoritypresswire.com/josh-d-millang-president-of-retirement-protectors-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-medicare-advantage-madness/

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Interview with Kevin Guttman Reverse Mortgage Specialist, Interviewed on the Influential Entrepeneurs Podcast.

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Interview with Kevin Guttman Reverse Mortgage Specialist, Interviewed on the Influential Entrepeneurs Podcast.

Published on February 23, 2024

Kevin Guttman discusses the misconceptions surrounding reverse mortgages and why they are a safe decision now.

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-kevin-guttman-reverse-mortgage-specialist/ 

In recent times, reverse mortgages have faced skepticism and myths, woven by misunderstandings and outdated information. Kevin Guttman demystifies the fog surrounding reverse mortgages, shedding light on the substantial benefits they offer to the relevant demographic. For too long, misconstrued facts have deterred homeowners from seeking financial liberation through this strategic option.

Are Reverse Mortgages Safe? The Answer is a Resounding Yes.

Is a reverse mortgage a last-ditch resort? Reverse mortgages are not to be feared but to be understood and embraced as a judicious financial planning tool. They are federally insured, and designed with the homeowner’s security at the forefront.

People are convinced that they’ll inevitably lose their homes with a reverse mortgage, and that is a big misconception. Borrowers maintain home ownership and can stay in their homes for as long as they choose, provided they adhere to the terms of the loan—a fundamental truth overlooked by many.

Perhaps people have heard the claim that heirs will be left with nothing but debt. In reality, reverse mortgages are non-recourse loans; no debt will be transferred to the heirs beyond the value of the home.

The Times Have Changed: Reverse Mortgages are the Smart Choice

In an era where financial stability is paramount, the safety nets provided by reverse mortgages cannot be underestimated. They offer retirees the financial flexibility needed to enjoy their golden years in peace. Why consider a reverse mortgage now?

  • New safeguards and regulations have enhanced borrower protections.
  • Reverse mortgages provide an opportunity to diversify income streams.
  • When tailored strategically, they can extend the life of other retirement savings.
  • Seize Control of a Financial Future.

Why linger in uncertainty when a secure financial tool is available at people’s doorstep? Reverse mortgages allow homeowners aged 62 and older to tap into their home equity, converting a portion of it into cash while safeguarding their nest egg.

An Invitation to Financial Freedom

Are reverse mortgages the right choice for everyone? No financial product is one-size-fits-all. However, homeowners deserve to know the truth behind the hype and the horror stories. They deserve the opportunity to make an informed decision about their financial destiny.

Kevin Guttman is committed to providing financial professionals with the accurate, up-to-date information they need to guide their clients. Kevin shares: “Reverse mortgages are a safe financial planning tool, emphasizing that they are federally insured, and designed with the homeowner’s security at the forefront. Contrary to the belief that reverse mortgages are a last-resort option, they are to be understood and embraced, with borrowers maintaining home ownership and the ability to stay in their homes for as long as they choose, provided they adhere to the loan terms.”

About Kevin Guttman

It’s only natural that Kevin A. Guttman helps people with reverse mortgages. He’s been around real estate practically his whole life. His parents were realtors and investors in southern California. Kevin grew up tagging along with his dad to look at properties, and he learned early on what makes a good real estate investment.

As he got older, Kevin and his brother began fixing up properties for their father, and eventually, Kevin began managing them.

But before he began his own career in real estate, Kevin started on his life-long path of helping others. He spent years in the ministry and in the non-profit world. He traveled the country to raise money for projects in the developing world, helping people have clean water, medical clinics, schools, and enterprise loans to build businesses.

Since 2004, Kevin and his team have helped hundreds of homeowners get mortgages, with a close rate 50% above the industry average.

So why reverse mortgages? It’s all about helping people live the retirement lifestyle they deserve. Kevin says he’s met with so many seniors who are house-rich and cash-poor. They have no pension, they’re relying on Social Security, and many are working well past retirement age because they’re worried about their financial future. Kevin believes it’s his mission to inform and educate people, give them honest Reverse Mortgage In Denver answers and advice, and help them consider their options.

On the home front, Kevin and his wife Sabrena have been married since 1988. They have five children and four grandchildren. He’s proud of all of them, and he’s also proud that his customers like to tell him he treats them like family.

Learn more:
http://www.reversemortgagerevolution.com/

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International Number One Bestseller About Belief In God Avoids “Religion”

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International Number One Bestseller About Belief In God Avoids “Religion”

Published on February 22, 2024

Imagine 70 International Thought Leaders– scientists, engineers, political leaders, journalists, corporate leaders, artists, media influencers, professors, even former atheists– all answering a simple yet profound question in 500 words or less: “Why do you believe in a God?“

“Why do you believe in a God?“

In today’s world, why should anyone believe in God? At a time when church membership is falling and the world seems to be skidding off the rails, this question launched a quest, and that quest has become a runaway bestseller… for skeptics AND believers alike.

That’s what happened when the editors of Elevator Pitches for God: 70 One-Page Essays by Thought Leaders On Why They Believe offered each author a single page on which to share their personal spiritual journey, to reveal how they arrived at their conclusion that God exists, and how it affects their daily life.

“We sought out interesting, thoughtful people with a wide range of backgrounds and experiences,” says Ron Kardos, one of the two editors along with Bruce Licht, who added, “We didn’t give the authors any direction about what to write. They all had their own ideas about how to approach the subject. We didn’t know what they were going to discuss until we received their essays.”

“There seems to be a groundswell of interest and a real need for a non-religious conversation about God. The world is desperate for meaning, purpose, and wisdom; a glance at social media will show you that the struggle is real.”

Proceeds will go to support For Good and For All, Inc., a non-profit 501(c)(3) media platform that is not political in any way, whose mission is to facilitate frank discussions about important issues that matter to humankind.https://EP4G.com

Feedback from readers reflects the power of this approach:

“At last! A book about God that won’t turn off skeptics. This book is for people who wonder ‘Why do so many people believe in God?’”

“A fascinating read. It has so many different perspectives from so many different people. You’re sure to find many essays that talk to you about why well-known and thoughtful people accept God.”

“They… approach the topic from every conceivable perspective (e.g., science, nature, and art) and a range of religious backgrounds (including Christianity, Islam, and Judaism).”

“There is no effort to turn the skeptic into a believer and certainly not to promote any religion. So it is a very “safe” book for both skeptics and believers to have in the home.”

Elevator Pitches for God: 70 One-Page Essays by Thought Leaders On Why They Believe is available in Kindle, hardcover, and audiobook editions on Amazon and at For Good and For All, Inc. (ep4g.com)

About the authors

Ron Kardos

Ron grew up in Los Angeles and graduated from UCLA with a BA in Economics. After college, Ron and his college roommate started businesses in autos, finance, and real estate. A spiritual late bloomer, Ron devotes much of his time to learning.

Bruce Licht

Bruce grew up in Lafayette, California and received a BA in Political Science from UCLA, and a Graduate Gemologist degree from the Gemological Institute of America. After graduating, Bruce operated his family’s retail business for twenty-two years before changing careers and joining a national technical publishing company for seventeen years, serving as the company’s publisher.

For more information or to contact the authors directly,

(650) 533-0675

Books are available at special discounts when purchased in bulk for sales promotion, fundraising, or educational use. Special editions can also be created to specifications. For sales inquiries, contact us at the address below or email us at: sales@ep4g.com.

For all permission requests, please contact us in writing at the address below or email us at: permissions@ep4g.com.

For all other information, contact: info@ep4g.com.

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Jim Billington, Managing Director of Wealth Pilots, Interviewed on the Influential Entrepreneurs Podcast Discussing The 5 Risks of Retirement

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Jim Billington, Managing Director of Wealth Pilots, Interviewed on the Influential Entrepreneurs Podcast Discussing The 5 Risks of Retirement

Published on February 22, 2024

Jim Billington discusses the importance of understanding the five risks of retirement. 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jim-billington-managing-director-of-wealth-pilots-discussing-the-5-risks-of-retirement/

In this enlightening episode of “Influential Entrepreneurs,” Mike interviews Jim Billington, the Managing Director of Wealth Pilots. The conversation centered around the critical topic of the five main risks that retirees face, which traditional financial advisors often overlook.

Jim emphasized that while many advisors claim to be fiduciaries, they frequently fail to address these five pillars of risk that are crucial for retirees. Wealth Pilots, on the other hand, specializes in retirement planning and focuses on protecting clients from these risks. The five risks mentioned were:

Longevity Risk: The danger of outliving one’s retirement savings.

Market Risk: The potential for investment losses due to market fluctuations.

Interest Rate Risk: The risk associated with changes in interest rates affecting investment values, particularly bonds.

Tax Risk: The uncertainty surrounding future tax rates and the impact on retirement income.

Long-Term Care Risk: The high costs associated with long-term care can deplete retirement savings.

Jim highlighted the importance of a holistic approach to retirement planning that addresses these risks. He criticized the Wall Street model for not providing adequate protection against these risks and for not being transparent about the true nature of fiduciary responsibility.

One strategy Jim recommended involves using advanced annuities that offer principal guarantees, lifetime income benefits, and the potential for tax diversification through Roth conversions. These annuities can also include benefits that double for long-term care needs, providing a comprehensive solution to the risks retirees face.

In this episode, Jim’s insights provide valuable guidance on creating a retirement plan that can withstand the test of time and market volatility.

Jim explained: “One key factor that the Wall Street fiduciaries do not address is that downside market risk, that type of volatility will kill income and over time that will significantly endanger the longevity risk of your portfolio and risk sending your portfolio into a downward depletion or implosion-type of scenario.”

About Jim Billington

Jim started in Retirement Preservation Planning 22 years ago as the Tech Bubble started moving towards a meltdown and he saw Wall Street throwing out all the fundamentals and taking too much risk with people’s nest eggs. He is a second-generation financial manager as his Father was the Regional Director of the Nation’s largest Brokerage firm. He saw an alarming lack of expertise when transitioning people from the asset accumulation phase to the asset preservation and distribution phase of retirement. At Wealth Pilots, they are dedicated to helping clients make the critical decisions necessary to avoid the unnecessary and avoidable risks of retirement such as longevity risk, market risk, and tax strategies to maximize income.

Learn More: https://www.wealthpilots.net/

Recent news and interviews:

  • Jim Billington Discusses The Retirement FLIGHT Plan:

https://authoritypresswire.com/jim-billington-managing-director-of-wealth-pilots-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-retirement-flight-plan/ 

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