The Future of Finance

Feeling like you're behind with money in your 20s or 30s? You're not alone—and you're not failing.  In this episode of The Future of Finance, Marissa Wood breaks down 5 easy, high-impact financial moves you can implement in the next 90 days to build wealth early and avoid common financial pitfalls.  From understanding why budgets aren't diets to leveraging compound interest and employer 401(k) matches, this episode is your go-to guide for getting on track without feeling overwhelmed.  ✅ Key Takeaways - Budgeting is lifelong, not temporary - Starting early with investing unlocks the power of compounding - Employer match is free money—take it - Diversify beyond your 401(k) - Life insurance is cheaper when you don't need it (yet) - Taking action matters more than perfection

Annuities are one of the most misunderstood words in finance—and in this episode of The Future of Finance, Marissa Wood and Lisa Green break down exactly what they are, how they've evolved (think cell phones!), and how they can help you lock in income for life, protect against market losses, and even cover long-term care. Whether you've heard horror stories or you're curious if annuities could fit into your retirement plan, this episode gives you real answers, real examples, and real clarity—without the industry jargon. 📞 Ready to explore what an annuity could look like in your plan? Schedule a free call: https://union-financial.com/https://www.union-financial.com [https://www.union-financial.com/] 🔍 What You'll Learn: * What annuities really are (not the scary kind you've heard about) * Why they're gaining popularity with all age groups * The difference between fixed, indexed, and variable annuities * How to get guaranteed income for life * Why many clients feel peace of mind (and live longer!) after buying one 💬 Question for You  Have you ever considered an annuity—or do you think they're all bad? Drop your thoughts and questions in the comments! 👍 Like, subscribe, and share this episode if you learned something new.

Becoming a parent changes everything—including your finances. In this episode, we break down 5 essential financial tips every new parent should know, from budgeting and saving to planning for the future. Simple, practical advice to help you feel confident and prepared.

Climbing the mountain of retirement is hard—but the descent is where most people fall. Literally. In this eye-opening episode of The Future of Finance, Marissa Wood sits down with Sam Payne, a financial advisor with 40+ years of experience, to uncover the five hidden threats that can destroy your retirement plan if you're not prepared. From taxes and inflation to sequence of returns and long-term care, this is not a scare tactic—it's your survival guide for making your money last as long as you do.

In this special Q&A episode of The Future of Finance, host Marissa Wood tackles real questions from real listeners—covering job transitions, forgotten 401(k)s, emergency funds, retirement benchmarks, and how the 2025 Fed rate cut could affect your wallet. Whether you're changing jobs, building your first emergency fund, or wondering how to adjust your investments as rates shift, this episode delivers clear, actionable advice. ✅ Got your own question? Book a free call with Marissa at https://union-financial.com and get personalized guidance—Zoom, phone, or in-person.

Being your own boss comes with incredible freedom—but also serious financial responsibility. In this episode of The Future of Finance, Marissa Wood and Lisa Green from Union Financial Services dive deep into what every self-employed person needs to know to plan for a secure future. From setting up retirement plans and understanding Medicare penalties, to leveraging HSAs and preparing for emergencies, this is your one-stop-shop for building a smart, sustainable financial life as an entrepreneur, 1099 contractor, or small business owner. If you're wondering how to build your own pension, how to reduce taxes as a business owner, or how to prepare for the unexpected—don't miss this conversation. 👉 Book a free consultation: https://union-financial.com ⏱️ Timestamps 0:00 – Intro: Why this episode matters for the self-employed 1:10 – The shocking retirement stat: 40% of self-employed save nothing 2:15 – SEP IRAs: What they are and how they reduce your taxes 3:52 – SIMPLE Plans for small teams: A 401(k)-like solution 5:12 – How small biz employees get personalized retirement plans 7:47 – Individual 401(k)s: Double the contributions, double the tax benefits 9:00 – Retaining talent through retirement benefits 10:35 – Roth IRAs for kids? Yep, it's legal and powerful 12:10 – The #1 expense for self-employed people: Health insurance 15:15 – Medicare trap: Why your income at 63 really matters 18:00 – Triple tax advantage of Health Savings Accounts (HSAs) 19:34 – Don't forget quarterly tax payments (and how to plan for them) 22:23 – Emergency funds: Why your business needs one too 25:02 – Disability & indemnity insurance: Prepare for the worst 28:17 – Can self-employed people get a pension? Yes—here's how 30:44 – The reality of self-employment: Best parts & biggest challenges 32:25 – Final thoughts + how to schedule a personal consultation 32:51 – How to book a free meeting with Union Financial Services

In this expert-packed episode of The Future of Finance, Marissa Wood welcomes Mark DiOrio, Chief Investment Officer at Brookstone Capital Management, to unpack everything from 2025's wild stock market to AI dominance, dividend stock strategies, buffered ETFs, and crypto access without the chaos. Whether you're an investor trying to make sense of this year's tech surge—or an advisor wanting to diversify your portfolio beyond the Magnificent Ten—this episode brings the clarity you've been craving. 🧠 Learn what actually worked in 2025 📈 Discover what to expect in 2026 🔍 Get portfolio strategies from one of the nation's top CIOs ⏱️ Timestamps 00:00 – Intro: Meet Mark DiOrio, CIO at Brookstone 01:45 – Brookstone Capital Management: Who they are & what they do 02:36 – What a Chief Investment Officer actually does 05:05 – How Brookstone helps advisors offer high-level strategies 06:14 – Market recap: What happened in 2025 10:03 – AI, tech stocks, and market leadership 12:18 – Will AI dominate in 2026—or will the rest of the market catch up? 13:57 – Why diversification still matters—even in an AI-driven world 15:23 – Clients want more tech, but advisors need to manage expectations 17:27 – Avoiding headline investing: How to stay strategic, not emotional 18:22 – Core + Satellite portfolios: The Brookstone approach 20:04 – Matching risk profiles to core strategies 22:43 – Satellite strategy 1: Dividend Growth Value Baskets 25:38 – Why baskets work better than DIY stock picking 28:58 – Satellite strategy 2: Buffered ETFs explained 32:15 – Liquidity + protection: Why some clients prefer buffers 34:03 – Satellite strategy 3: Crypto via ETF Exposure 38:29 – Crypto like gold: Exposure without the complexity 39:44 – How other advisors can partner with Brookstone 40:31 – Final thoughts: Insights heading into 2026

Most people know to see a doctor when something changes with their health—but what about your financial health? In this episode of The Future of Finance, host Marissa Wood shares the 10 most important life events that should signal it's time to meet with a financial advisor. Whether you've changed jobs, gotten married, received an inheritance, or are nearing retirement, your financial strategy needs to evolve with your life. This episode is packed with practical advice for every life stage, from growing families to recent retirees. If you've experienced any major life change lately—this one's for you. 📞 Schedule your check-in at https://union-financial.com 🎯 Free Zoom, phone, or in-person consultations available. ⏱️ Timestamps 00:00 – Intro: What health and finance have in common 01:00 – Why major life events = time for a financial checkup UFS_Rec 4_10 Life Events For Fi… 01:25 – 1. Job Change: Rollover old 401(k)s, set up new plans 03:00 – 2. Marriage: New tax brackets, budgets, and combining finances 04:10 – 3. Moving: Update your address and invest home equity 05:45 – 4. New Child: College savings, custodial accounts, life insurance 07:12 – 5. Paying Off Debt: What to do with that freed-up cash 08:14 – 6. Inheritance or Lawsuit Settlement: How to avoid blowing a windfall 10:31 – 7. Divorce: Protecting your new financial reality 11:35 – 8. Loss of a Spouse: Estate transfers, income loss, and mistakes to avoid 14:06 – 9. Turning 59½: Access retirement accounts with no penalties 15:57 – 10. Retirement: Planning your income, Social Security, and legacy 17:12 – Key Takeaway: Life doesn't stand still—your financial plan shouldn't either 17:51 – How to book a free meeting with Union Financial Services ✅ Bonus Resources: 💼 Roll over a 401(k) 🧒 Open a 529 or custodial account 🛡️ Set up life insurance 💵 Inheritance investment strategies 🔁 In-service rollovers after 59½ 📈 Maximize Social Security decisions 👍 Like, share, and subscribe for practical financial strategies built for real life. 🔔 New episodes drop every other Thursday on YouTube, Spotify, and Apple Podcasts.

What if debt wasn't the enemy—but your greatest tool for building wealth? In this powerful episode of The Future of Finance, host Marissa Wood sits down with mortgage expert Jason Johnson of Sun Point Home Loans to uncover how the wealthy use strategic borrowing to grow their net worth. From celebrity mortgage moves to bridge loans and amortization tricks, Jason shares 22 years of experience to help everyday homeowners and aspiring investors make smarter financial decisions. Whether you're a first-time buyer, investor, or just looking to refinance the right way—this episode is packed with actionable insights. 👉 Need a mortgage consultation? Reach out to Jason at (813) 781-2744 or search "Jason Johnson SunPoint Home Loans" to see his 400+ 5-star reviews. 💬 Ready to talk investing, life insurance, or retirement strategy? Book a meeting at UnionFinancial.com ⏱️ Timestamps 0:00 - Intro: Why the wealthy love debt 1:05 - Jason's journey from carpenter to mortgage broker 2:20 - Why celebrities (like Meghan & Harry) take mortgages 3:50 - The power of leverage and investment returns 5:00 - How to get pre-approved for a mortgage 6:20 - How much house can you actually afford? 8:00 - What is a HELOC and when should you use one? 10:00 - Refinancing: When does it make sense? 13:15 - What to do with your savings after refinancing 14:30 - How amortization works and how to beat it 17:15 - Recasting: The mortgage trick no one talks about 20:00 - Why life insurance is a must with a mortgage 22:20 - Jason's best & worst financial decisions 26:00 - What first-time buyers and investors need to know 27:00 - Bridge loans: A powerful strategy for movers and investors 29:00 - Florida's Hometown Heroes program explained 30:30 - How to get in touch with Jason and Marissa

In this episode...

In this episode of The Future of Finance, Marissa Wood welcomes policy expert and financial advisor Todd Manternach to break down what's being called "The One Big Beautiful Bill"—and why it could have a serious impact on your finances. They unpack changes in tax policy, new savings opportunities, how the bill impacts different generations (from Gen Z to Boomers), and why this could be the best time to rethink your strategy on Roth conversions, 529 plans, and Social Security. If you've ever wondered how legislation really affects your wallet, this is the episode to watch. ⏱ Timestamps: 00:00 – Intro: What is "The One Big Beautiful Bill"? 01:00 – Meet Todd Manternach: 30+ Years of Financial Wisdom 02:00 – Plain-English Breakdown: What This Bill Actually Does 03:30 – Why the 2017 Tax Cuts Needed to Be Extended 04:50 – How This Impacts Taxes, Childcare, Healthcare & Student Loans 06:00 – What Families with Children Can Expect to Save 06:45 – Do You Need to Do Anything to Get These Tax Breaks? 07:15 – Generation-Specific Strategies: Gen Z, Millennials, and More 09:30 – Real-Life Impact: How One Client's Overtime Just Got More Valuable 11:10 – Social Security & Taxes: What's Changing and What's Not 13:00 – The "Trump Accounts" (aka New Child Investment Accounts) Explained 15:30 – 529 Plans: New Rules, New Flexibility 17:00 – What Is a Roth IRA & Why the Government Limits It 18:30 – Roth Conversions for Gen Xers: The Sweet Spot 22:30 – The Rule of 72: How to Estimate When Your Money Doubles 24:45 – Tax Breaks on Cars Made in the USA 26:00 – Will This Bill Narrow or Widen the Wealth Gap? 27:15 – Biggest Myths About the Bill—Debunked 30:00 – Final Thoughts: Generational Wealth Starts with Legislation 31:30 – How to Connect with Todd or Union Financial Services 📌 Mentioned in This Episode: ✔️ Roth IRAs & Roth Conversions ✔️ Trump Accounts (working title) ✔️ 529 Plan to Roth IRA rollover ✔️ Rule of 72: Doubling your money ✔️ USA-made EV tax incentives 🎯 Ready to get clarity on your plan? 📅 Schedule your free consultation today at https://union-financial.com 💬 Drop a comment below: What's one change from the bill you're most excited (or confused) about? 👍 Like, subscribe, and hit the bell to stay up to date with smart financial conversations—built for real life.

* In this solo Q&A episode of The Future of Finance, Marissa Wood, co-founder of Union Financial Services, tackles your most pressing financial questions with clarity and real-life examples. From daily coffee habits to mortgage payoffs and investing for your kids' futures, this episode breaks down key concepts in a way that's easy to understand—and apply. Whether you're just starting your financial journey or already investing, this is the perfect episode to fine-tune your strategy and build confidence in your money decisions. ⏱ Timestamps: 0:00 – Intro: Marissa's Listener Q&A Special 0:32 – Does Buying Coffee Daily Really Hurt Your Financial Future? 2:07 – What Skipping Coffee Could Be Worth in 30 Years 3:34 – Tips for Saving on Coffee Without Giving It Up 4:21 – What Is the S&P 500 & Why It Matters 6:05 – What Is a Stock, Really? Ownership Explained 8:06 – What's the Difference Between a Stock and a Mutual Fund? 10:33 – Diversifying Through Mutual Funds vs. Individual Stocks 11:08 – Should I Pay Off My Car or Invest Instead? 14:00 – How Much Investment Risk Should You Take On? 15:46 – Understanding Target Retirement Date Funds 17:16 – Should I Put Extra Toward My Mortgage Each Month? 20:19 – New Baby? What to Do Financially to Set Your Child Up for Success 🔗 Ready to take the first step? Visit https://union-financial.com/https://www.union-financial.com/  to schedule a free consultation. 💬 If this episode moved you or gave you a new perspective, please like, comment, and share it with someone who needs to hear this.

* What if you could retire with tax-free income, leave millions to your heirs, and not give Uncle Sam a dime? In this episode of The Future of Finance, Marissa Wood sits down with financial industry veteran Marty Willenborg, who shares powerful strategies using life insurance, premium financing, and the Kaizen concept to create wealth, preserve it, and pass it on—without the IRS taking a cut. * If you're skeptical about whether life insurance can be more than just a death benefit, this episode will change your mind. ⏱ Timestamps: 0:00 – Intro: Meet Marty Willenborg & His 44-Year Financial Journey 1:00 – How a Cancer Diagnosis Changed Marty's Life—and Career 4:00 – The Harsh Truth About Life Insurance When You Need It 6:15 – Why Annual Policy Reviews Are Non-Negotiable 9:35 – Living Benefits: How Life Insurance Is More Than a Death Benefit 10:05 – Term vs. Permanent Insurance: The Real Cost of "Cheap" 11:30 – What Is Indexed Universal Life (IUL)? Explained Simply 13:20 – The Kaizen Strategy: Tax-Free Income Using Bank Leverage 15:10 – How the Kaizen Plan Works (Step-by-Step) 17:40 – Real Example: $125K In, $7M Out (Tax-Free) 21:55 – "Is This Too Good to Be True?"—Addressing the Top Objection 24:00 – 401(k)s vs. IULs: Tax Implications You Need to Know 25:00 – Can't Do Kaizen? LIRPs & Legacy Planning Options for All Budgets 26:30 – How to Set Your Kids or Grandkids Up with Millions (G-Suite Strategy) 28:30 – Final Thoughts: Stop Giving Your Legacy to the IRS 🔗 Ready to take the first step? Visit https://union-financial.com/https://www.union-financial.com/  to schedule a free consultation. 💬 If this episode moved you or gave you a new perspective, please like, comment, and share it with someone who needs to hear this.

Welcome to another episode of The Future of Finance, where host Marissa Wood and co-host Lisa Green bring together their two favorite F-words: Football and Finance! 🏈💸 With fantasy football season in full swing, Marissa and Lisa use powerful, fun analogies between football positions and investment strategies to help you rethink your portfolio. Are you running a team of all tight ends? 😬 Are you missing a defense? 🤯 Do you even have a kicker? This episode will show you how to create a diversified financial team that wins — on and off the field. 🔁 Watch, learn, and maybe even win a gift card if you can guess the mystery play shown in the video. 🏆 ⏱ Timestamps: 00:00 – Intro: Finance meets Fantasy Football 01:10 – What do Tom Brady and your finances have in common? 02:45 – The role of the financial coach (Hint: It's not the QB) 04:20 – Running Backs = Dividend Stocks explained 06:30 – Wide Receivers = Growth Stocks (High risk, high reward) 08:30 – Tight Ends = Mutual Funds & ETFs (Versatile & balanced) 11:30 – Defense = Fixed Indexed Annuities (Your market protection) 14:50 – Kickers = CDs and MYGAs (Predictable and steady) 17:10 – Return Specialists = Crypto & REITs (Boom or bust) 20:00 – Backups = Life Insurance (Don't wait for an emergency) 23:00 – Do you only have tight ends in your 401(k)? Let's fix that. 25:30 – Final thoughts + Gift Card Challenge: Can you name the play? 📣 If you liked this fun approach to finance, hit the like button and comment your favorite football team! 💼 Need a coach for your financial future? Visit https://union-financial.com [https://union-financial.com/?utm_source=chatgpt.com] to schedule a call. 🎧 Subscribe for more episodes blending real life with real money conversations—every other Thursday.

* In this deeply emotional and insightful episode of The Future of Finance, host Marissa Wood sits down with industry veteran and business coach Dee Costa. With 40+ years in financial services and personal experiences with profound loss, Dee shares why financial planning is about more than numbers—it's about love, protection, and peace of mind. 💔 Hear the story of how sudden tragedy shaped Dee's mission to help others. 💡 Learn why proper planning can change lives—not just financially, but emotionally too. ✅ Discover actionable steps to protect your loved ones with life insurance, estate planning, and long-term care strategies. ⏱ Timestamps: 0:00 – Welcome & Episode Overview 1:00 – The Pink Slip That Changed Everything 2:45 – The Phone Call: "Your Father is Gone" 4:15 – "Am I Going to Be Okay?" – The Question That Sparked a Mission 5:10 – The Financial Fallout of Losing a Spouse 6:45 – Dee's Husband's Passing & The Power of Preparation 9:00 – Why Women Need to Plan for Financial Independence 10:30 – The Emotional & Financial Toll of Loss 12:00 – Living Too Long: Planning for Long-Term Care 13:45 – Social Security: What You Might Not Realize 15:00 – Life Insurance & Annuities: Real Protection Stories 17:00 – A Young Widow's Story: Why Planning Matters 21:00 – Estate Planning Essentials: It's Not Just for the Wealthy 23:00 – Get Your House in Order—Out of Love, Not Fear 26:00 – Why Both Spouses Must Be Involved in Financial Planning 28:00 – First Steps: How to Start Planning with a Financial Advisor 30:00 – Final Words of Encouragement: It's Never Too Early to Start 🔗 Ready to take the first step? Visit https://union-financial.com [https://union-financial.com/] to schedule a free consultation. 💬 If this episode moved you or gave you a new perspective, please like, comment, and share it with someone who needs to hear this.

* In this powerful and relatable episode of The Future of Finance, Marissa Wood sits down with client and fellow millennial Jeremy Hicks to unpack the unique financial challenges—and opportunities—facing today's 30-somethings. They dive into real-world budgeting strategies, navigating rising expenses, building wealth while raising a family, and how small consistent investing can create generational impact. If you're a millennial wondering, "Am I going to be able to retire?"—this episode is for you. 💬 Featuring candid conversation, emotional honesty, and actionable advice on how to thrive financially—even when the odds feel stacked against you. ⏱ Timestamps: 0:00 – Intro: Why Millennials Need a Different Financial Strategy  1:30 – Real Talk: Why "Just Do What Your Parents Did" Doesn't Work Anymore  3:15 – The Millennial Home Ownership Gap & Jeremy's Early Win  5:00 – Visualizing Retirement with a Future Cash Flow Analyzer  6:30 – What Are You Really Spending? Tools & Truths About Budgeting  8:00 – Inflation Reality: Why Your $8K Monthly Budget Will Cost $20K Later  9:35 – Job Hopping, Salary Stagnation & Forgotten 401(k)s  11:15 – What's the Difference Between a 401(k) & an IRA?  14:00 – The Forgotten 401(k) Fix: Step-by-Step Rollover Help  16:00 – How Small Adjustments Can Add 5+ Years to Your Retirement  18:15 – The YOLO Trap vs. Leaving a Legacy for Your Kids  21:00 – The $500 Plan: Dividing Monthly Savings by Time Horizons  23:00 – Why Financial Advisors Aren't Just for the Wealthy  25:00 – Clarity from Planning: Turning "I Hope" Into "We Have a Plan"  26:45 – Jeremy's Best & Worst Financial Decisions (Spoiler: Solar Panels)  31:15 – Refinance Tips: For Both Real Estate & Investments  33:00 – Final Advice for Millennials: Budget, Emergency Fund, and Start Now  36:30 – Life Insurance as Legacy Planning for Future Generations  39:00 – Closing: The Mindset Shift from Me to We 🔗 Ready to take the first step? Visit https://union-financial.com/https://www.union-financial.com/  to schedule a free consultation. 💬 If this episode moved you or gave you a new perspective, please like, comment, and share it with someone who needs to hear this.

In this myth-busting episode of The Future of Finance, hosts Marissa Wood and Lisa Green break down 10 of the most common investing myths that could be holding you back from financial freedom. From Social Security illusions to outdated advice on annuities, debt, and 401(k)s — they tackle it all with facts, clarity, and a dose of humor. Whether you're a first-time investor or thinking about retirement, this episode is packed with eye-opening insights that will challenge what you think you know. ⏱ Timestamps: 0:00 – Introduction: Perception vs. Reality in Finance 1:50 – Myth #1: "You Need a Lot of Money to Work with an Advisor" 3:50 – Myth #2: "Annuities Will Lock Up My Money" 6:00 – Myth #3: "Bonds Are Always Safe" 8:10 – Myth #4: "I Can Retire on Social Security Alone" 11:00 – Myth #5: "Pay Off All Debt Before Investing" 15:15 – Myth #6: "Medicare Covers Long-Term Care" 18:00 – Myth #7: "Sell When the Market Drops" 21:00 – Myth #8: "The Bank is the Safest Place for My Money" 25:45 – Myth #9: "Life Insurance is Only for Wage Earners" 31:00 – Myth #10: "My Former Employer is Managing My 401(k)" 33:20 – Final Thoughts: Which Myths Have You Believed? 35:10 – How to Take the First Step Toward a Better Financial Future 📝 Mentioned in the Episode: ✔️ Why annuities are no longer your grandfather's investment ✔️ The real math behind market losses ✔️ How high-yield savings and FDIC limits really work ✔️ The truth about 401(k) fees and management ✔️ How long-term care and estate planning protect your family 🔗 Book your FREE consultation: https://union-financial.com [https://union-financial.com/] 📧 Contact Marissa or Lisa directly through our website to get started. 💬 If you learned something new, give us a thumbs up, leave a comment with your favorite myth, and share this with someone who needs to hear it!

In this episode of The Future of Finance, host Marissa Wood sits down with her longtime business coach and industry leader, Dee Costa, VP at Asset Marketing Systems. With over 40 years of experience in financial services, Dee shares her personal journey, insights on indexed annuities, the power of independent advisory, and key market trends affecting retirees today. Whether you're a financial advisor, retiree, or just planning your future, this conversation is packed with real stories, insider advice, and actionable financial wisdom. 👉 Learn why independence in financial advising matters and how it can profoundly impact client outcomes. ⏱ Timestamps: 0:00 - Welcome & Introduction to Dee Costa 1:00 - How Dee Got Started in Finance (EF Hutton to Universal Life) 3:15 - Lessons from Delivering a Life Insurance Check 6:00 - The Shift from Captive to Independent Advising 8:25 - Understanding Indexed Annuities & Risk-Free Growth 10:40 - Who Is Asset Marketing Systems? Their Mission & Services 13:10 - How Independent Advisors Scale with Support Teams 15:05 - Empowering Small Firms with Big Resources 17:00 - Culture of Sharing: Inside Advisor Study Groups 18:45 - Market Trends: Why Clients Want Peace of Mind Now 21:20 - Short-Term Indexed Annuities & Health Care Features 24:00 - When and Why to Reposition Outdated Annuities 26:15 - How to Contact Asset Marketing Systems for Advisors 💬 Like this episode? Leave a comment with your biggest takeaway or a question you'd love answered in a future episode. 🔗 Visit https://www.assetfmo.com to learn more. 📩 Contact Union Financial Services for a personalized review of your retirement strategy.

Can doing good also be good for business? In this heartfelt episode of The Future of Finance Podcast, host Marissa Wood talks with Jason Humphrey, founder of the Sun Raising Foundation, about how philanthropy can—and should—become part of your business strategy. From turning plastic bags into bedrolls for the homeless, to organizing emergency hurricane relief through poker nights, Jason shares real-world stories that prove doing good isn't just the right thing—it's smart business. 💡 You'll also learn: How the Power Partner Program makes philanthropy easy for busy entrepreneurs What donor-advised funds are and how they grow tax-efficient charitable giving The personal financial lessons that shaped Jason's journey How your business can launch its own branded Impact Fund with just a few simple steps 💻 Get in touch with Jason: https://sunraising.org 📅 Work with Marissa: https://www.union-financial.com/ ⏱️ Timestamps 00:00 – Intro: Doing good = good business 01:16 – What is the Sun Raising Foundation? 02:22 – Origin of the name "Sun Raising" ☀️ 03:11 – The Nepal earthquake & Jason's inspiration 03:34 – Current projects: clean water, solar, and Bags to Bedrolls ♻️ 05:03 – Collection bins & community support 06:14 – Surprising benefit: retirees creating bedrolls 06:44 – Lights Out Poker Night: hurricane relief with a twist 08:38 – Over $11K raised for storm victims! 💰 10:14 – How Lisa Green (Marissa's mom!) won the poker tourney & paid it forward 11:18 – Philanthropy is contagious 12:06 – Making it easier for businesses to give back 12:41 – Power Partner Program explained 14:21 – Union Financial's own Impact Fund 🎯 15:07 – Annual giving goals and involving the community 16:03 – Where the funds actually go: hands-on grant writing 17:26 – Metropolitan Ministries: a model charity 18:34 – Power Partners = scalable, plug-and-play giving 19:31 – Fee structure: 93% to impact, 7% to run operations 20:43 – Charitable giving = tax savings for businesses and retirees 🧾 23:03 – The four buckets of legacy planning 24:38 – Building long-term client relationships through giving 26:33 – Donor-Advised Funds: grow your giving over time 28:22 – How to start your own Impact Fund 29:20 – Jason's worst financial mistake: no legal counsel in divorce 30:56 – Best decision: building an 800+ credit score 💳 32:36 – 2025 goals: serve 5,000 meals & grow Power Partners 33:50 – Final message: doing good is just good business 34:52 – How to contact Jason & Union Financial 📌 Hashtags #BusinessForGood #Philanthropy #SocialImpact #FinancialFreedom #SunRaisingFoundation #FutureOfFinance #UnionFinancial #DonorAdvisedFund #ImpactFund #CharitableGiving #PowerPartners #NonprofitInnovation #BagsToBedrolls

Every generation faces unique financial challenges—but what are the biggest money mistakes they keep making? In this episode of The Future of Finance, financial experts Marissa Wood and Lisa Green reveal the top financial pitfalls across Baby Boomers, Gen X, Millennials, and Gen Z—and share the exact strategies to avoid them. From ignoring long-term care to overspending on credit cards, this episode breaks down real-life examples, practical tools, and actionable tips to help you take control of your financial future—no matter your age. 🎯 Topics Covered: * Long-term care & estate planning * Retirement readiness by generation * Prioritizing your kids vs. your own future * Credit card debt & Gen Z struggles * How to start investing (even with little money) * Smart tax-free retirement strategies 📌 Ready to take action? Visit union-financial.com [http://union-financial.com/] to book a free consultation today. 👥 For one-on-one planning with Marissa or Lisa: https://www.union-financial.com/ ➡️ Phone • Zoom • In-person available ⏱️ Timestamps: 00:00 – Intro: Why Financial Mistakes Differ By Generation 02:00 – Baby Boomers' #1 Mistake: No Long-Term Care Planning 04:30 – How Estate Planning & Annuities Can Help Boomers 08:00 – Why Boomers Must Introduce Their Financial Advisor to Family 11:00 – Gen X's Mistake: Prioritizing Kids Over Their Own Retirement 13:00 – The Cost of Withdrawing from a 401(k) Too Early 15:30 – Maxing Out Retirement Plans the Right Way 18:00 – Millennials' Mistake: Delaying Investing 20:30 – Understanding Dollar Cost Averaging for Beginners 22:00 – Why Roth IRAs & IULs Are Crucial for Millennials 26:30 – Budgeting, Emergency Funds & Spending Habits 28:30 – Gen Z's Pitfall: Credit Cards & Instant Gratification 31:30 – Why Gen Z Should Start a Roth IRA Now