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 Success 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. 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.

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 - Intro 13:08 - Navigating Financial Stability and Lifestyle Choices 15:40 - Wealth Management and Financial Literacy 23:29 - Navigating Financial Success for Athletes 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!"

------------------------------------------------------------------ ➤ 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 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.

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.