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Scott was joined by Walter Young in the virtual studio for a discussion on retirement income strategies, focusing on Young's book "The Fifth Option," which explores innovative approaches to retirement planning that go beyond traditional methods, such as utilizing actuarial science and investments to create a predictable and efficient income stream. Walter C. Young ,MBA, RICP, is a dynamic financial expert, national speaker, Industry panelist and Amazon best-selling author of The 5Th Option.  Walter helps his audiences learn about the challenges retirees face in a modern economic environment and post pension society. His blend of stories, humor and financial planning theory keeps audiences entertained while learning the very latest academic research in retirement income planning. He earns rave reviews and guests often stay long after his presentation has ended to continue conversations. With over 20 years of experience in the financial services industry, Walter has become a thought leader in economic-based financial planning theory, helping clients develop strategies to achieve their retirement goals. Walter holds the prestigious Retirement Income Certified Professional (RICP) designation from the American College of Financial Services and a Master's in Business from Seattle University and is a member of the exclusive Forum 400. In this episode you will learn the following:  1. The "Fifth Option" in retirement planning, which challenges traditional financial planning strategies by integrating actuarial science and investments to recreate the stability once provided by pensions and Social Security. 2. The shortcomings of the traditional three-legged stool of retirement (pension, Social Security, and personal savings) and emphasizes the importance of creating a sustainable cash flow strategy, especially in the absence of pensions. 3. The "Beat the Bear" strategy, which involves using non-correlated assets like cash value life insurance to protect against market downturns, and the "Bucket Strategy," which segments assets into now, soon, and later buckets to manage risk and income flow over time. 4. The need for individuals to rethink retirement planning by focusing on creating predictable, risk-managed income streams using innovative financial products and strategies, aiming for a more efficient and confident retirement experience. Connect with Scott on LinkedIn [https://www.linkedin.com/in/scottheinila/] Connect with Walter on LinkedIn [https://www.linkedin.com/in/walter-young-mba-ricp%C2%AE-author-educator-64078610/] For more on The Optimized Advisor Podcast click here [https://optimizedadvisorpodcast.com/]   For more on The 5th Option and to purchase the book click here [https://thefifthoption.com/] Follow us on LinkedIn [https://www.linkedin.com/company/optimized-advisor-podcast/]   ** This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com   Optimized Insurance Planning [https://optimizedins.com/]

Scott welcomed Roger Cantu, Regional Sales Director at One America, in studio for a discussion on the importance of long-term care planning for the aging population, highlighting the financial and familial impacts of unaddressed chronic health care expenses and advocating for advisors to proactively include long-term care solutions in their client discussions. Roger works with insurance professionals sharing his decades-long experience with One America’s Care Solutions plans. He provides case design strategies, proven sales presentation as well as marketing resources to grow and enhance an individual insurance business or a financial planning practice. For over 34 years, Roger has worked exclusively with the Care Solutions. 15 years under the original company Golden Rule Insurance, and the last 16 under OneAmerica. A resident of Plano, Texas, Roger is married with four adult children and six grandchildren. In this episode you will learn the following:  1. The "Silver Tsunami," referring to the wave of aging baby boomers and the significant long-term care needs they will soon face as they approach ages where such care becomes more common. 2. The inadequacy of Medicare in covering long-term care expenses, which are significant and not commonly planned for by individuals.  3. The importance of advisors actively discussing long-term care planning with clients is stressed, as many advisors currently avoid or inadequately address the issue. 4. The challenges and opportunities presented by state-level initiatives, such as the Washington state law mandating long-term care coverage, which could influence broader adoption of long-term care insurance and planning.   Connect with Scott on LinkedIn [https://www.linkedin.com/in/scottheinila/] Connect with Roger on LinkedIn [https://www.linkedin.com/in/completeyourretirement/] For more on The Optimized Advisor Podcast click here [https://optimizedadvisorpodcast.com/]   For more on One America click here [https://www.oneamerica.com/] Follow us on LinkedIn [https://www.linkedin.com/company/optimized-advisor-podcast/]   ** This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com   Optimized Insurance Planning [https://optimizedins.com/]

Scott welcomed Travis Ivanoff to the studio along with Nick Bernatowicz for a discussion on seminar marketing and Ivanoff Advisors.  Travis has been licensed in the insurance industry for over 16 years. Following in his father’s footsteps, Travis grew up in the retirement planning industry learning his father's best practices. These years proved to him the importance of client relationships. Travis believes in taking the time to make sure his clients understand the investment subjects before them and which options provide the best fit for their retirement plan. His investment philosophy stresses that it’s not what you make, but what you keep, promoting a safety-first approach with various strategies for growth. Travis founded Ivanoff Wealth Management Inc. to provide clients with a deeper understanding of investment strategies. Travis resides in Cypress, California with his wife and three daughters. He is the vice president and development director for Pacific Coast Youth Foundation, a nonprofit for at-risk youth in Orange County that began as a memorial to his cousin Ernie. In his free time Travis enjoys snowboarding, surfing, camping, fishing, and golfing. In this episode you will learn the following: 1. Travis’s background and the evolution of his family's advisory practice. 2. The importance of consistency and adaptability in conducting successful seminars for client acquisition. 3. Long-term care planning is a critical component of holistic financial advising. 4. The importance of time management, hiring strategically to scale a business, and balancing professional success with personal life priorities.   Connect with Scott on LinkedIn [https://www.linkedin.com/in/scottheinila/] Connect with Travis on LinkedIn [https://www.linkedin.com/in/travis-ivanoff-02836044/] For more on The Optimized Advisor Podcast click here [https://optimizedadvisorpodcast.com/]   For more on Ivanoff Advisors click here [https://ivanoffadvisors.com/] Follow us on LinkedIn [https://www.linkedin.com/company/optimized-advisor-podcast/] Follow us on Instagram [https://www.instagram.com/optimizedadvisorpodcast/]   ** This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com   Optimized Insurance Planning [https://optimizedins.com/]

Scott welcomed Blayne Andersen in studio for a discussion his firm's expansion and strategic approach to financial planning, tax-smart investment strategies, and client relations across multiple states, emphasizing the importance of technology and collaboration with CPAs. Blayne Andersen, CFP® is the President and Chief Investment Officer of Bander Wealth Management and a Registered Financial Advisor with the NFLPA. With well over a decade of experience in capital markets, he has experience offering best in-class securities and advanced retirement planning strategies to include alternative investments such as real estate, oil and gas, along with structured notes, private equity and venture placements. His commitment to help clients achieve generational-changing wealth is only matched by his fiduciary responsibilities of operating with uncompromising integrity and fidelity to do what is best for our clients and their families.   In this episode you will learn the following:  * Strategic Growth Through Acquisitions and Partnerships * Emphasis on Client-Centric Communication * Operational Efficiency and Technology Utilization * Balancing Professional and Personal Life   Connect with Scott on LinkedIn [https://www.linkedin.com/in/scottheinila/] Connect with Blayne on LinkedIn [https://www.linkedin.com/in/blayneandersencfp/] For more on The Optimized Advisor Podcast click here [https://optimizedadvisorpodcast.com/]   For more on Bander Wealth Management click here [https://www.banderwealth.com/] Follow us on LinkedIn [https://www.linkedin.com/company/optimized-advisor-podcast/] ** This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com   Optimized Insurance Planning [https://optimizedins.com/]

Scott welcomed Nick Bernatowicz in studio to discuss finances, annuities, and wellness.  Nick started his insurance career in 2015, dedicating his time to assisting insurance and Financial Advisors and their Clients within the three facets of Protective Portfolio Planning – annuities, life insurance, and long-term care insurance. Nick took his passion for coaching and transitioned it from the fitness world to the insurance and financial world, quickly becoming a resource for advisors throughout the country. Nick is currently an Insurance Planning Director at Optimized Insurance Planning, a wholesale insurance planning and marketing organization. Over the 8+ years of experience in the industry, Nick has become an expert in Long-Term Care planning, portfolio distribution and protection strategies, as well as legacy planning. Nick has a passion for partnering directly with Financial Professionals and providing them with direct, back-office support to help plan, protect, and enhance their practices. Nick is an active member of the Financial Planning Association (FPA). He maintains the RICP (Retirement Income Certified Professional) designation through the American College and the CLTC (Certification for Long-Term Care) designation. Nick is very active; exercise and wellness are a big part of his day. In his free time, he enjoys golfing, wine tasting, and spending time with his wife, Britne, and daughter, Kylie. Nick currently lives in Texas. In this episode you will learn the following: 1. Key industry trends: strong performance of annuities, particularly due to favorable interest rates, and the importance of guaranteed renewal rates in providing client security. 2. The opportunity for replacing older life insurance and annuity contracts to provide better benefits, such as enhanced long-term care and guaranteed income solutions. 3. Maintaining fitness routines through colder months, recommending consistent exercise. 4. Optimal pre- and post-workout nutrition.   Connect with Scott on LinkedIn [https://www.linkedin.com/in/scottheinila/] Connect with Nick on LinkedIn [https://www.linkedin.com/in/nick-bernatowicz-ricp%C2%AE-cltc-32356a42/] For more on The Optimized Advisor Podcast click here [https://optimizedadvisorpodcast.com/]   For more on Optimized Insurance Planning click here [https://optimizedins.com/] Follow us on LinkedIn [https://www.linkedin.com/company/optimized-advisor-podcast/] Follow us on Instagram [https://www.instagram.com/optimizedadvisorpodcast/] Follow us on Facebook [https://www.facebook.com/optimizedadvisorpodcast] ** This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com   Optimized Insurance Planning [https://optimizedins.com/]