Wealth Strategies Unleashed

How Business Owners Accidentally Destroy Their Wealth (ft. Chris Davis)

Robert Gilliland [https://concenturewealth.com/robert-g-gilliland-crpc/] sits down with new Managing Director Chris Davis [https://concenturewealth.com/chris-davis/] to talk about one of the biggest challenges business owners face: Most spend years building the business, but very little time planning life outside of it.  Discussion points: * Why many business owners delay personal financial planning [https://concenturewealth.com/wealth-management/financial-planning/]  * The difference between business revenue and personal wealth  * How concentration risk quietly grows when 80%+ of net worth is tied to one company  * Why exit planning [https://concenturewealth.com/wealth-management/retirement-planning/] is really about value creation long before a sale ever happens  * The emotional side of selling a business and stepping away from “the thing you built”  Chris also explains how business owners often struggle to start the conversation [https://concenturewealth.com/explore-our-process/] in the first place since they’re busy operating, hiring, growing, managing payroll, and solving problems. And because of that, personal planning gets pushed aside even when the business itself is thriving. Download the free guide [https://concenturewealth.com/plan-your-retirement-with-clarity/] that we’ve paired with this episode! Subscribe [https://www.youtube.com/channel/UCyCLOgvihJf1nvSaYk1zU2A], and leave us a review [https://g.page/r/CSbPLH824eiGEAI/review] if this resonated with you! Share it & leave us a review on Apple [https://podcasts.apple.com/us/podcast/wealth-strategies-unleashed/id1694810105]or Spotify [https://open.spotify.com/show/6kMeRQ0PgMhbHnINfsWup7?si=6418c6ef0ee84f65]! For personalized financial guidance, schedule an intro call [https://calendly.com/chatwithrg/free-portfolio-assessment] with our team at Concenture Wealth Management [https://concenturewealth.com/] in Houston, Energy Corridor [https://concenturewealth.com/energy-corridor/], Katy [https://concenturewealth.com/katy-tx/], & Spring [https://concenturewealth.com/spring-tx/], Memorial [https://concenturewealth.com/memorial-tx/], Sugarland [https://concenturewealth.com/sugar-land-tx/], The Woodlands [https://concenturewealth.com/the-woodlands-tx/], Missouri City [https://concenturewealth.com/missouri-city-tx/], Fulshear [https://concenturewealth.com/fulshear-tx/], Cy-Fair TX [https://concenturewealth.com/cy-fair-tx/]. Explore [https://concenturewealth.com/explore-our-process/] our 3-step process and services we offer. The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management. Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

Welcome to Wealth Strategies Unleashed by Concenture Wealth Management

Subscribe [https://www.youtube.com/channel/UCyCLOgvihJf1nvSaYk1zU2A], and leave us a review [https://g.page/r/CSbPLH824eiGEAI/review] if this resonated with you! Share it & leave us a review on Apple [https://podcasts.apple.com/us/podcast/wealth-strategies-unleashed/id1694810105]or Spotify [https://open.spotify.com/show/6kMeRQ0PgMhbHnINfsWup7?si=6418c6ef0ee84f65]! For personalized financial guidance,  schedule an intro call [https://calendly.com/chatwithrg/free-portfolio-assessment] with our team at Concenture Wealth Management [https://concenturewealth.com/] in Houston, Energy Corridor [https://concenturewealth.com/energy-corridor/], Katy [https://concenturewealth.com/katy-tx/], & Spring [https://concenturewealth.com/spring-tx/], Fulshear [https://concenturewealth.com/fulshear-tx/], Memorial [https://concenturewealth.com/memorial-tx/], Sugarland [https://concenturewealth.com/sugar-land-tx/], The Woodlands [https://concenturewealth.com/the-woodlands-tx/], Missouri City [https://concenturewealth.com/missouri-city-tx/], Cy-Fair TX [https://concenturewealth.com/cy-fair-tx/]. Explore [https://concenturewealth.com/explore-our-process/] our 3-step process and services we offer.  The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management. Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

3 Surprises About Retiree Spending Habits

Retirement spending doesn’t move in a straight line. In this episode of Wealth Strategies Unleashed, Robert Gilliland [https://concenturewealth.com/team/robert-g-gilliland-crpc/] & Karen Heider [https://concenturewealth.com/team/karen-e-heider-cepa-cdfa/] unpack why real-life spending zigzags, and how most modern financial plans are rigid, leading to over-saving, over-spending, or both. They also show you how to build a flexible income plan [https://concenturewealth.com/explore-our-process/] that holds up in good and bad market conditions.  They dig into:  * The myth of linear spending and why your first 5–10 years of retirement often cost more than pre-retirement [https://concenturewealth.com/early-retirement-financial-independence-planning/].  * Healthcare realities: pre-65 coverage, Medicare + supplements, and why medical inflation behaves differently.  * Six spender profiles (Steady Eddie, Front Loader, Partial Retiree, Shock-and-Adjust, Slow Drifter, Late-Life Riser) and how to know which one describes you [https://concenturewealth.com/wealth-management/financial-planning/].  * The risk of retiring into a downturn [https://concenturewealth.com/top-retirement-regrets-and-how-to-avoid-them/] (sequence-of-returns risk) and why “selling to fund spending” can do lasting damage.  * A simple needs/wants/aspirations framework for retirement [https://concenturewealth.com/wealth-management/retirement-planning/] that makes adjusting in real time painless.  If you want a retirement that funds [https://concenturewealth.com/early-retirement-strategies-financial-independence/] travel, family, and purpose (without losing sleep over volatility) this episode gives you the playbook to match your spending rhythm with a resilient, flexible plan. Download the free guide [https://concenturewealth.com/plan-your-retirement-with-clarity/] that we've paired with this episode! Subscribe [https://www.youtube.com/channel/UCyCLOgvihJf1nvSaYk1zU2A], and leave us a review [https://g.page/r/CSbPLH824eiGEAI/review] if this resonated with you! Share it & leave us a review on Apple [https://podcasts.apple.com/us/podcast/wealth-strategies-unleashed/id1694810105]or Spotify [https://open.spotify.com/show/6kMeRQ0PgMhbHnINfsWup7?si=6418c6ef0ee84f65]!  For personalized financial guidance,  schedule an intro call [https://calendly.com/chatwithrg/free-portfolio-assessment] with our team at Concenture Wealth Management [https://concenturewealth.com/] in Houston, Energy Corridor [https://concenturewealth.com/energy-corridor/], Katy [https://concenturewealth.com/katy-tx/], & Spring [https://concenturewealth.com/spring-tx/], Fulshear [https://concenturewealth.com/fulshear-tx/], Memorial [https://concenturewealth.com/memorial-tx/], Sugarland [https://concenturewealth.com/sugar-land-tx/], The Woodlands [https://concenturewealth.com/the-woodlands-tx/], Missouri City [https://concenturewealth.com/missouri-city-tx/], Cy-Fair TX [https://concenturewealth.com/cy-fair-tx/]. Explore [https://concenturewealth.com/explore-our-process/] our 3-step process and services we offer.  The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management. Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

What's The Best Retirement Withdrawal Strategy?

Everyone obsesses about a magic number they need to retire. But the truth is that hat it’s all about having the right withdrawal strategy. In this episode of Wealth Strategies Unleashed, Robert Gilliland [https://concenturewealth.com/team/robert-g-gilliland-crpc/] & Karen Heider [https://concenturewealth.com/team/karen-e-heider-cepa-cdfa/] break down the most common withdrawal approaches, their pitfalls, and how to create a retirement paycheck [https://concenturewealth.com/wealth-management/retirement-planning/] you can count on.   They share actionable ways to:  * Understand why the 4% rule often falls short [https://youtu.be/1mp_1lbUrco] and why flexibility is key  * Evaluate guardrail strategies and how scaling withdrawals up or down can affect long-term security [https://concenturewealth.com/overcoming-financial-challenges-in-retirement/]  * Consider the “equity glide path” and why asset allocation decisions matter just as much as withdrawal rules  * Apply the Dynamic A.G.E. Approach to blend adaptability, growth, and income security into one integrated plan [https://concenturewealth.com/top-retirement-regrets-and-how-to-avoid-them/]  * Stress-test your retirement income so you can live with confidence [https://concenturewealth.com/early-retirement-guide-build-wealth/], not fear of market volatility  Whether you’re just starting to plan or are already in retirement, learn how to focus on what really matters [https://concenturewealth.com/explore-our-process/]: creating a sustainable, flexible income plan that lets you live the retirement you’ve worked hard for. Download the free guide [https://concenturewealth.com/plan-your-retirement-with-clarity/] that we've paired with this episode! Subscribe [https://www.youtube.com/channel/UCyCLOgvihJf1nvSaYk1zU2A], and leave us a review [https://g.page/r/CSbPLH824eiGEAI/review] if this resonated with you! Share it & leave us a review on Apple [https://podcasts.apple.com/us/podcast/wealth-strategies-unleashed/id1694810105]or Spotify [https://open.spotify.com/show/6kMeRQ0PgMhbHnINfsWup7?si=6418c6ef0ee84f65]!  For personalized financial guidance,  schedule an intro call [https://calendly.com/chatwithrg/free-portfolio-assessment] with our team at Concenture Wealth Management [https://concenturewealth.com/] in Houston, Energy Corridor [https://concenturewealth.com/energy-corridor/], Katy [https://concenturewealth.com/katy-tx/], & Spring [https://concenturewealth.com/spring-tx/], Fulshear [https://concenturewealth.com/fulshear-tx/], Memorial [https://concenturewealth.com/memorial-tx/], Sugarland [https://concenturewealth.com/sugar-land-tx/], The Woodlands [https://concenturewealth.com/the-woodlands-tx/], Missouri City [https://concenturewealth.com/missouri-city-tx/], Cy-Fair TX [https://concenturewealth.com/cy-fair-tx/]. Explore [https://concenturewealth.com/explore-our-process/] our 3-step process and services we offer.  The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management. Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

The Hidden Cost of Working Past Age 60

Deciding what age to retire is about weighing the hidden costs of working longer against the freedom that comes with retiring on your own terms [https://concenturewealth.com/wealth-management/retirement-planning/]. In this episode of Wealth Strategies Unleashed, Robert Gilliland [https://concenturewealth.com/team/robert-g-gilliland-crpc/] & Karen Heider [https://concenturewealth.com/team/karen-e-heider-cepa-cdfa/] unpack the tax, health, and lifestyle tradeoffs of working past age 60, and how to build a balanced plan [https://concenturewealth.com/explore-our-process/] that supports both your wallet and your well-being.  They share ways to:  * Protect yourself [https://concenturewealth.com/overcoming-financial-challenges-in-retirement/] from sequence-of-returns risk with smart income bucket strategies  * Maximize your “go-go” years [https://concenturewealth.com/early-retirement-guide-build-wealth/] by aligning health, energy, and lifestyle goals with your retirement date  * Avoid common mindset traps [https://concenturewealth.com/top-retirement-regrets-and-how-to-avoid-them/] like the “one-more-year loop,” paycheck safety trap, and post-career identity crisis  Download the free guide [https://concenturewealth.com/plan-your-retirement-with-clarity/] that we've paired with this episode! Subscribe [https://www.youtube.com/channel/UCyCLOgvihJf1nvSaYk1zU2A], and leave us a review [https://g.page/r/CSbPLH824eiGEAI/review] if this resonated with you! Share it & leave us a review on Apple [https://podcasts.apple.com/us/podcast/wealth-strategies-unleashed/id1694810105]or Spotify [https://open.spotify.com/show/6kMeRQ0PgMhbHnINfsWup7?si=6418c6ef0ee84f65]!  For personalized financial guidance,  schedule an intro call [https://calendly.com/chatwithrg/free-portfolio-assessment] with our team at Concenture Wealth Management [https://concenturewealth.com/] in Houston, Energy Corridor [https://concenturewealth.com/energy-corridor/], Katy [https://concenturewealth.com/katy-tx/], & Spring [https://concenturewealth.com/spring-tx/], Fulshear [https://concenturewealth.com/fulshear-tx/], Memorial [https://concenturewealth.com/memorial-tx/], Sugarland [https://concenturewealth.com/sugar-land-tx/], The Woodlands [https://concenturewealth.com/the-woodlands-tx/], Missouri City [https://concenturewealth.com/missouri-city-tx/], Cy-Fair TX [https://concenturewealth.com/cy-fair-tx/]. Explore [https://concenturewealth.com/explore-our-process/] our 3-step process and services we offer.  The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management. Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.