The Life By Design Podcast

Safeguard Your Finances from Scams (Ep. 91)

Have you ever gotten a call from your bank or the government asking for money to protect your identity or finances? Or heard about scams like these in the news? How can you prevent yourself from falling prey to these predators? Royal Standley tackles the pressing issue of identity theft and scams, providing practical tips and real-life scenarios to help listeners safeguard themselves. He highlights the necessity of proactive measures such as secure mail handling and document shredding, while cautioning against deceptive practices like fraudulent urgent calls, and stresses the importance of skepticism and verification. Royal discusses: * Identity theft and scams, what they look and sound like, and who they target * Practical steps to help you prevent identity theft * How technology is used to protect you but also can be an advantage for the scammers * The steps to take if you become a victim of identity theft * And more Reference: * LifeLock [https://opfa.info/4bySHsi] Connect with Royal Standley: * Oregon Pacific Financial Advisors [https://opfa.info/42AUAk8]  [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * About Royal Standley [https://opfa.info/42zNtIH] * Schedule Online with Royal Standley  [https://opfa.info/42OgNvb] * (541) 772-1116  * Email Royal Standley [royal@opfa.com] Discussions in this show are for educational purposes only. The information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities and Advisory Services offered through United Planners Financial Services, Member FINRA, SIPC. Oregon Pacific Financial Advisors and United Planners are not affiliated. United Planners and its representatives do not offer tax or legal advice.

Strategies for Success in a Volatile Market (Ep. 90)

The term volatility brings feelings of uncertainty and unease when it comes to the investment market. What if you knew about some strategies that are used to maximize returns in low-interest rate environments? Explore investment options and information to navigate uncertain times in the market while learning about strategies ot leverage annuities, bonds and high yield investments from Royal Standley. Royal touches on the volatility and uncertainty in the market and the importance of having a long-term perspective.  Learn more about: * Investment strategies focused on low-interest rate environments * The importance of finding higher-yield investments for cash savings * Why fixed annuities are a safe investment option with guaranteed interest rates * Concerns about potentially missing out on market gains with fixed annuities Connect with Royal Standley: * Oregon Pacific Financial Advisors [https://www.opfa.com/]  [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * About Royal Standley [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * Schedule Online with Royal Standley [https://www.opfa.com/schedule-an-appointment-with-royal]  * (541) 772-1116  * Email Royal Standley [royal@opfa.com] — Discussions in this show are for educational purposes only. The information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities and Advisory Services offered through United Planners Financial Services, Member FINRA, SIPC. Oregon Pacific Financial Advisors and United Planners are not affiliated. United Planners and its representatives do not offer tax or legal advice.

From Bankruptcy to Financial Success with Chris Bautista (Ep. 89)

Your financial advisors aren’t that much different from you. They deal with their own financial struggles and face their own problems when it comes to money. That personal experience can even help them advise clients better in the future. In this episode, Royal Standley is joined by Chris Bautista, of Oregon Pacific Financial Advisors, who shares his background and experiences with financial struggles and bankruptcy. Chris shares his journey of owning a business and subsequently losing it during an economic downturn before finding his new path in life. Chris discusses: * His professional background leading up to how he became a financial advisor * How his experience with bankruptcy shaped his interactions with clients * The importance of balancing personal life with financial advising * How different generations interact with money and why * Why he chose to become a financial advisor and become certified * And more Connect with Royal Standley: * Oregon Pacific Financial Advisors [https://www.opfa.com/]  [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * About Royal Standley [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * Schedule Online with Royal Standley [https://www.opfa.com/schedule-an-appointment-with-royal]  * (541) 772-1116  * Email Royal Standley [royal@opfa.com] Connect with Chris Bautista: * About Chris Bautista [https://www.opfa.com/team/chris-bautista] * Schedule Online with Chris Bautista [https://calendly.com/cbautista54]  * (626) 827-2474 * Email Chris Bautista [Chris@opfa.com] About Chris Bautista: Chris Bautista is a passionate and results-driven professional in the financial services industry with a deep understanding of the intricate world of finance. With extensive experience working with both individuals and businesses, he is committed to helping his clients achieve their financial goals and navigate the complexities of today’s economic landscape. Chris’ expertise lies in providing personalized financial advice, developing tailored strategies and implementing effective wealth management solutions. By leveraging his knowledge and staying abreast of the latest market trends, Chris strives to deliver comprehensive and innovative financial solutions that empower his clients to make informed decisions and secure their financial futures. — Discussions in this show are for educational purposes only. The information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities and Advisory Services offered through United Planners Financial Services, Member FINRA, SIPC. Oregon Pacific Financial Advisors and United Planners are not affiliated. United Planners and its representatives do not offer tax or legal advice.

Lessons on Scam Prevention (Ep. 88)

Have you ever had a scam call that sounded legitimate? Maybe had someone you know fall for what seems like an obvious scam?  In this episode, Royal Standley explores ways to protect oneself from falling victim to scams, such as verifying phone calls and not trusting unfamiliar emails or messages. Royal shares personal experiences and statistics related to fraud, emphasizing the vulnerability of older individuals.  Royal discusses: * How prevalent scams are in an age of technology * Some of the most common scams and how to prevent yourself from falling for them * Why older individuals are more vulnerable to scams * His personal experience with scammers * What to do if someone is being scammed * And more Connect with Royal Standley: * Oregon Pacific Financial Advisors [https://www.opfa.com/]  [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * About Royal Standley [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * Schedule Online with Royal Standley [https://www.opfa.com/schedule-an-appointment-with-royal]  * (541) 772-1116  * Email Royal Standley [royal@opfa.com] Discussions in this show are for educational purposes only. The information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities and Advisory Services offered through United Planners Financial Services, Member FINRA, SIPC. Oregon Pacific Financial Advisors and United Planners are not affiliated. United Planners and its representatives do not offer tax or legal advice.

Effective Strategies for Positive Company Culture with Lisa McClease-Kelly (Ep. 87)

Are you looking for inspiration to overcome challenges and establish your own business?  Interested in how effective strategies can create a values-driven workplace and enhance your leadership skills? The company culture could be the key. In this episode, Royal Standley speaks with Lisa McClease-Kelly, Co-Owner of Kelly’s Automotive Services, as she opens up about her move to Oregon, the challenges she tackled while building her business, and why values and community support matter deeply. As a business coach, she dives into understanding different personalities and adapting leadership styles when cultivating a culture of gratitude within the workplace. Lisa shares: * The challenges she faced after moving from California to Oregon, both personally and professionally * Why Kelly’s Automotive Services prioritize “values” when it comes to their staff in order to achieve a high level of customer loyalty and satisfaction  * How she coaches other businesses on culture and communication and connecting with their community * How she uses the DiSC style to assess the staff and the organization’s culture  * What business leaders of different size corporations can do to start finding more meaning or purpose in their business to impart to their employees * How her connection with her community has helped grow her business * The role her faith plays in their volunteering efforts, and how can you incorporate similar values into your community involvement * And more! Connect with Lisa McClease-Kelly: * LinkedIn: Lisa McClease-Kelly [https://www.linkedin.com/in/lisacmkelly/] * Kelly’s Automotive [https://kellysautomotive.com/staff/] * Business Coaching [https://coachlisamk.com/] * Oregon Network In Action [https://www.niaoregon.com/] * Facebook: Oregon Network In Action [https://www.facebook.com/oregonnia] Connect with Royal Standley: * Oregon Pacific Financial Advisors [https://www.opfa.com/]  [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * About Royal Standley [https://www.opfa.com/team/royal-standley-chfc-cltc-crps] * Schedule Online with Royal Standley [https://www.opfa.com/schedule-an-appointment-with-royal]  * (541) 772-1116  * Email Royal Standley [royal@opfa.com] About Our Guest: Lisa McClease-Kelly a business communications coach who believes creating a culture of communication and community are an absolute necessity in business today. She helps her clients to achieve that in their businesses to increase productivity and cut down on turnover. Lisa is a business owner with over 25 team members. She has had great success, won lots of awards, but more importantly, she has made mistakes and learned from them.  – Discussions in this show are for educational purposes only. The information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities and Advisory Services offered through United Planners Financial Services, Member FINRA, SIPC. Oregon Pacific Financial Advisors and United Planners are not affiliated. United Planners and its representatives do not offer tax or legal advice.