Executive Retirement Compass: Financial Planning to Maximize Your Wealth and Reduce Taxes

Are your retirement accounts working as hard as you do, or could taxes quietly be holding you back?Many executives contribute aggressively to retirement accounts but fail to allocate strategically across pre-tax, Roth, and taxable accounts. The result? Missed opportunities, reduced flexibility, and potentially higher taxes in the future. In this episode, Ray Godleski breaks down how the right tax strategy can make your retirement accounts more efficient and put you in control, no matter how the rules change.By listening, you’ll learn:How to decide which retirement account each dollar belongs in to maximize flexibility and minimize taxesThe quiet mistakes executives make that limit future options if accounts are misallocatedHow spreading money across tax buckets gives control, not confusion, and sets up smarter retirement planningIf you want your retirement planning to be proactive instead of reactive, listen now and learn how to make every retirement dollar count. 🎧🎧 Follow the show on Apple Podcasts: https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources at: www.YourNextStepFinancial.com

Are you prepared for what actually happens after an unauthorized IRA withdrawal—or are you assuming your custodian will fix it?Most investors believe IRA fraud is rare, reversible, and fully covered by the custodian. But once an unauthorized IRA withdrawal occurs, reality sets in fast—especially when taxes, documentation, and custodian responsibility collide.In this episode, we walk through what to do immediately after IRA fraud is discovered, why speed and documentation matter more than reassurance, and how small operational blind spots can turn a fixable problem into a permanent financial loss.In this episode, you’ll learn:How custodian responsibility is evaluated after an unauthorized IRA withdrawal—and why reimbursement is never automaticThe biggest security and process gaps that quietly increase your exposure to IRA fraudHow tax reporting, documentation, and timing determine whether the damage can be undoneIf you want to protect your retirement accounts before—and after—IRA fraud strikes, this episode gives you the clarity most investors don’t get until it’s too late.🎧 Follow the show on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Ever wonder what happens if money disappears from your IRA — and the IRS still expects their cut?Most people believe market volatility is the biggest threat to their retirement, but this episode exposes a far more unsettling reality: retirement account fraud caused by an unauthorized withdrawal can happen quietly, and the consequences don’t stop with the missing money. When this occurs, questions around custodian responsibility become critical — and painfully confusing.In today’s episode, Ray walks through a real-world case involving a hacked retirement account, explaining how custodians process transactions, why advisors don’t actually hold your money, and what happens when fraud slips through the cracks. You’ll hear how delays, internal procedures, and reporting rules can leave investors stuck in limbo — facing tax notices, potential Medicare premium increases, and months of uncertainty.By listening, you’ll learn:How retirement account fraud actually occurs — even at major custodians with fraud detection systemsWhat custodian responsibility truly means when an unauthorized withdrawal is processedHow the IRS treats unauthorized withdrawals and what determines whether you owe taxes or notIf you want to understand how to protect your retirement accounts, respond quickly to suspicious activity, and avoid costly tax surprises, this episode will change the way you think about custodians, advisors, and trust itself.🎧 Follow the show on Apple Podcasts: https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources at: www.YourNextStepFinancial.com

Are You Banking on Lower Taxes in Retirement? You Might Be in for a Shock.Most executives believe that retirement means a drop in income—and taxes. But the truth is, without a clear tax strategy, you could find yourself paying more in retirement than you did while working. In this episode, Ray Godleski breaks down the hidden tax traps that catch many retirees off guard—and what you can do to avoid them.In this episode, you'll discover:Why multiple income streams in retirement can push you into a higher tax bracket than expected.The most overlooked tax triggers like Social Security taxation, Medicare IRMAA surcharges, and capital gains.The critical 3-7 year "tax planning window" before RMDs begin—and the smart moves to make during that time.Listen now to learn how to take control of your tax future and retire with clarity and confidence.🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

SummaryIn this episode of Financially Fluent, the host and guest discuss various aspects of financial fluency, including market outlooks, investment strategies, the impact of AI on finance, and the importance of financial wellness. The conversation covers the current state of the market, potential corrections, and the evolving landscape of investments, including alternative options and the role of cybersecurity. The episode emphasizes the significance of having a financial plan and staying invested for long-term success.TakeawaysThe stock market's historical performance shows that it generally appreciates over time.Investing in mid cap growth stocks can provide better value than large cap stocks.AI is becoming an integral part of business operations and decision-making.Financial wellness will be a significant focus as wealth transfers from boomers to younger generations.Market corrections are expected, and investors should be prepared for them.Having a financial plan is crucial for successful investing.Cybersecurity spending will increase significantly in the coming years.Investors should focus on companies with low price-to-earnings ratios for better value.The importance of dollar-cost averaging in investment strategies cannot be overstated.Understanding market trends and adapting investment strategies accordingly is essential. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.comSound Bites"Invest in mid cap growth stocks today.""Investing is about having a plan.""AI is a part of our everyday life."Chapters00:00Introduction and Show Evolution02:24Guest Background and Industry Experience05:31Market Outlook for 202511:12Concerns and Corrections in the Market17:13Trends in Small Cap and Alternative Investments23:00The Role of AI in Financial Services28:50Cybersecurity and Data Privacy34:41Financial Wellness and Generational Wealth Transfer

Required Minimum Distributions (RMDs) are mandatory—but the penalties, taxes, and financial stress don’t have to be. In this episode, Ray Godleski breaks down:When your first RMD is actually due (and how to avoid doubling up)How inherited IRA rules changed under the SECURE ActWhat to do if you miss an RMD—and how to fix it fastWhy QCDs (Qualified Charitable Distributions) can reduce both taxes and IRMA surchargesHow to turn RMDs into long-term planning tools, not financial headachesListen now to learn how to manage your RMDs with clarity and confidence—so they strengthen your retirement plan instead of derailing it.More on RMD: https://www.irs.gov/retirement-plans/plan-participant-employee/required-minimum-distribution-worksheetsIf you would like to set up a call with Ray Godleski, use this link: 15 minute call with Southeast Wealth PartnersEmail your financial planning questions to: info@SeWealthPartners.com🗣️ “A discount on punishment is still a punishment. Let’s not give the IRS your Europe trip money.”🧠 “Required minimum distributions are mandatory. But penalties—and bad tax planning—are optional.”💡 “You’re not just planning taxes for yourself. One day you might be planning for a widow, or even your kids’ tax future.”🎯 “Use your RMDs strategically—not just to avoid penalties, but to strengthen your retirement plan.”🙌 “The goal is simple: You control the timing. Not the IRS.”🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com 

Do you really know how the holidays are impacting the people around you—or even yourself? In this powerful episode of Financially Fluent, Ray sits down with Rachel Joy Baribeau, founder of I'm Changing the Narrative, to have a raw and real conversation about mental health, isolation, depression, and the hidden pain that many people carry—especially during the holiday season. Whether you’re a high-achieving professional, a parent, or simply someone trying to hold it all together, this conversation offers grace, practical tools, and hope. Learn how to recognize early emotional warning signs in yourself or others during difficult seasonsDiscover easy, real-life ways to reach out to people in a meaningful, non-invasive wayHear how Rachel’s own story—from sportscaster to national mental health advocate—can help you find purpose in your own painListen now to better support yourself and the people you love through one of the most emotionally intense seasons of the year—with practical tools and renewed purpose. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Still writing checks or trusting your cousin to handle your books? That might be killing your business without you even knowing it. In this episode of Financially Fluent, Ray welcomes Matt Tate, CEO of Decimal, who shares hard-earned insights from building one of the country’s fastest-growing AI-driven accounting firms. From avoiding outdated bookkeeping practices to preparing for a smooth business sale, this conversation is packed with actionable advice for founders, operators, and growth-stage entrepreneurs. Discover how to eliminate wasted hours and reduce manual errors with the right tech stackUnderstand when to hire fractional help like a CFO—and what happens if you wait too longLearn how AI is changing bookkeeping, and why trust and systems still matter more than everTune in now to uncover the back-office systems, processes, and mindsets that help 7-figure businesses scale smarter and sell faster. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

How a Retired Air Force General Built a Purposeful Life & Pension-Backed RetirementIn this special Veterans Day bonus episode of Financially Fluent, host Ray Godleski sits down with his uncle, Lt. General Sid Clarke (Ret.), to talk about the true value of military pensions, leadership lessons from a 34-year Air Force career, and how veterans—and civilians—can plan for a more secure retirement.🎖️ They cover everything from:What to know before joining the military (financially + mentally)The difference between military pensions and traditional 401(k)sWhy defined benefit plans are becoming rare—and powerfulHow to navigate VA benefits, TSP accounts, and required minimum distributions (RMDs)Why mental health and community matter deeply after serviceWhether you’ve served or simply want to understand how to retire with confidence and purpose, this candid episode is packed with wisdom you won’t find in a textbook.In this Veterans Day special of Financially Fluent, host Ray Godleski interviews retired Air Force Lt. General Sid Clarke, who shares the untold story of his 34-year career—from flying A-10s and F-16s to leading national defense strategy—and how that experience shaped his financial future.💡 They explore:✅ The pros and cons of a military career✅ How military pensions really work (high-three, SBP, disability)✅ Transitioning from service to civilian life✅ Why defined benefit pensions offer lifelong financial peace of mind✅ Tips for veterans using VA benefits, TRICARE, and TSP accountsWhether you're a veteran, active service member, or civilian interested in smarter retirement strategies, this episode will help you plan better, lead stronger, and live with purpose.📌 Subscribe for more episodes on financial literacy, retirement planning, and wealth-building strategies.🎖️ Thank you to all who serve and have served.🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Are you unknowingly putting your home, car—or entire financial future—at risk with the wrong insurance moves? Whether it’s an aging roof, a teen driver, or just navigating rising insurance premiums, most people are making insurance decisions based on myths, outdated advice, or rushed choices. In this episode, Ray sits down with insurance expert Alex Knapp to demystify what your policies actually cover—and what they don’t. Discover the most common (and costly) insurance mistakes homeowners and drivers are making todayLearn how umbrella policies actually work—and when they become non-negotiableUnderstand how insurance scoring, clue reports, and deductibles really impact your premiumsListen now to protect your family, your assets, and your peace of mind with smarter, more strategic insurance planning. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

You may never have heard of trade finance—but it's quietly powering the global economy. And increasingly, investors are turning to it as a private market strategy that offers short-term, collateral-backed returns. In this episode, Ray sits down with Andreas Schweitzer, CEO of Arjan Capital and author of Trade Works, to demystify trade finance. With over 25 years in banking and private debt, Andreas explains how the need to finance everyday products—from books to fuel to pharmaceuticals—is creating new income opportunities for qualified investors.You’ll also hear how regulation, blockchain, supply chain shifts, and even chocolate have played a role in the evolution of this niche but growing asset class.Here’s what you’ll learn:What trade finance really is (and how it works in plain English)How investors earn returns through short-term financing of real goodsWhere trade finance fits in a diversified portfolioWhat risks exist—and how they're managed with collateral and insuranceWhy this type of investing may appeal to those looking beyond public markets or traditional bondsPlus: → How blockchain is making global trade safer → What ESG really means in this context → Andreas’ perspective on crypto adoption and global payment flowsTune in now to learn why trade finance may be a smart addition to your alternative investment strategy—and whether it aligns with your long-term financial plan. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Is your life insurance plan built to support you while you're alive—or only after you're gone? This episode breaks down the myths, mistakes, and modern strategies surrounding life insurance in honor of Life Insurance Awareness Month.  Most people think life insurance is just about covering final expenses or income replacement. But the reality is, with modern riders and permanent policy options, it can do so much more—from covering long-term care to helping offset Social Security gaps to generating tax-free income in retirement. Whether you’re single, a parent, or entering retirement, you’ll walk away from this episode with powerful insights that could transform your financial plan. In this episode, you’ll discover:Why relying on employer-provided life insurance might leave your family vulnerableHow chronic illness and long-term care riders work—and when to consider themWhat you need to know about policy loans, cash value access, and tax efficiencyA clear breakdown of term vs. permanent life insurance for real-life situations Press play to find out how life insurance can protect not just your legacy, but your lifestyle—and why the right strategy depends on more than just your age or income. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Think all ETFs are passive, low-risk, and interchangeable? Think again. In this episode, Ray sits down with Mike Yeager of PACER ETFs to demystify ETFs, mutual funds, and individual stocks—and help you understand where each fits in your long-term plan. As ETFs continue to explode in popularity, many investors (and even some professionals) don’t fully understand their structure, tax treatment, or when they’re the right choice. Whether you’re building a taxable brokerage portfolio, optimizing your 401(k), or diversifying beyond the S&P 500, you’ll want to hear how Mike explains the rise of active ETFs, common misconceptions, and how PACER’s “free cash flow” strategy fits into the modern investing landscape. In this episode, you’ll learn:Why ETFs have outpaced mutual funds in growth—and why that’s not always goodHow to avoid overlapping exposure across ETFs that could cancel out your diversificationWhat “free cash flow” ETFs are and why they’re gaining serious traction with long-term investorsHit play to get a smarter handle on ETFs, mutual funds, and stock picking—and how to use them strategically for long-term wealth building. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Do you really know if your LLC or partnership is set up to protect you? Most business owners think they’re covered—until something goes wrong. In this episode, you'll hear what many get wrong from day one, and what legal fireproofing your business actually looks like. From choosing the wrong entity type to skipping trademark protection or forgetting to fund your buy-sell agreement, there are costly mistakes business owners make every day. Whether you’re launching a side hustle, expanding your team, or eyeing a future sale, this conversation with attorney Danielle Laughlin uncovers what you must get right—legally and structurally—to protect your business, your brand, and your future. In this episode, you'll learn:When an LLC might not be the best structure for your businessHow to legally protect your brand name, logo, and IP without wasting time or moneyThe key legal documents every business needs before taking on partners, merging, or sellingHit play to learn how to legally strengthen your business—from day one to exit—and avoid costly mistakes that could destroy everything you’ve built. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Think the new tax bill is just more red tape? Think again. Whether you're a retiree, a W-2 worker, or a business owner, OBBBA (the latest tax code overhaul) could impact your deductions, income thresholds, and long-term planning—starting in 2025 From expanded standard deductions to tax-free overtime, the new legislation creates opportunities—but also adds complexity. If you're not proactive, you could miss out on major savings or face surprise penalties, especially if you fall into the $500K–$600K income range. Understanding how these changes affect your situation now is critical to avoiding a 2026 tax headache. In this episode, you'll learn:Which groups benefit most from the new law (and who gets hit hardest)How to plan for auto loan interest deductions, SALT caps, and the new tip-income rulesWhat small business owners need to know about bonus depreciation, QBI, and entity selection Hit play to get ahead of the tax curve—and learn how to optimize your 2025 strategy before the window closes. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Have you been told you make too much for a Roth IRA—or that it’s only for young investors? Think again. In this episode of Financially Fluent, Ray Godleski, Cindi Walters, and intern Gavin break down the real rules, benefits, and limitations of Roth IRAs. Whether you're starting your first job or already planning your estate, you'll learn how this versatile tool can fit into your financial picture. Understand who qualifies for a Roth IRA (including kids and retirees!)Learn how Roth IRAs help with retirement tax strategy, estate planning, and income flexibilityDiscover how to avoid common Roth mistakes—from contribution misconceptions to withdrawal penalties🎧 Tune in now to learn how Roth IRAs really work—and decide if this flexible, tax-advantaged account has a place in your long-term strategy. 2025 Roth IRA Income & Contribution Limits - IRS.govCalculate Roth vs. Traditional 401(k)Federal Income Tax Calculator

🎯 Is everything you've heard about annuities wrong—and could it be costing you money or peace of mind?💡 In this episode, we cut through the noise around annuities. With June being Annuity Awareness Month, Ray and Cindi explore how different types of annuities work (SPIA, MYGA, FIA, RILA), the pros and cons of each, and what you really need to ask before buying one—especially if you're planning for retirement.The 4 main types of annuities—and how to choose the one that fits your goalsCommon annuity myths debunked (yes, some can offer downside protection and growth potential)How annuities stack up against other options like CDs, buffered ETFs, and managed investment accounts 🎧 Tune in now to better understand how annuities work, where they might fit into a broader retirement strategy, and what questions to ask before considering one—so you can make informed financial decisions with confidence. 🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

🎯 Episode SummaryIn this packed episode of Financially Fluent, host Ray Godleski sits down with CPA Josh Roper from Altruist to cut through the confusion on business taxes, real estate strategies, and IRS audit risks.Whether you're an entrepreneur, real estate investor, or just trying to make smarter moves with your income, this episode delivers the clear, actionable guidance most CPAs won’t take the time to explain.Josh breaks down:LLC vs. S-Corp vs. C-Corp (and when to choose each)What really triggers an IRS audit (hint: not what you think)Donor-Advised Funds & Qualified Charitable DistributionsVehicle depreciation, home office write-offs, and mileage rulesReal estate investing tax hacks (including Airbnbs and 1031s)Why you might be paying penalties on estimated taxes—and how to fix itWhat’s changing (and staying) with upcoming tax law reformPlus: The two sets of books every construction business should be running—and how to make sure both your CPA and financial planner are playing the same game.🔑 Key Topics00:00 – Introduction & Josh’s 25 years of experience02:00 – LLC vs. S-Corp vs. C-Corp: Who should file what?04:30 – Double taxation myths with C-Corps explained06:00 – What triggers an IRS audit & how to prepare09:00 – Donor-Advised Funds: Why high-income givers should use them11:00 – Estimated taxes & avoiding that nasty 8% penalty15:30 – Home office deductions: Myths, facts, and red flags17:00 – Vehicle deductions: Bonus depreciation vs. mileage21:00 – Real estate rental income: Passive vs. active24:00 – 1031 exchanges & how to defer capital gains the right way29:00 – CPA vs. Tax Preparer vs. Financial Planner: Who does what?35:00 – Why you need two sets of books as a contractor37:30 – Deadlines and new tax law outlook for 202541:00 – Bonus Trivia: Who won the NBA Finals in '94/'95?🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

In this expert-packed episode of Financially Fluent, host Ray Godleski welcomes CPA Josh Roper to demystify taxes for business owners, real estate investors, and high-income earners.From entity selection (LLC, S-Corp, C-Corp) to IRS audit triggers, home office deductions, bonus depreciation, and 1031 exchanges, Ray and Josh walk through real-world examples and smart strategies to minimize taxes and avoid costly mistakes.Josh also explains:The “it depends” reality of tax planningHow to use your W-2 as a tax-saving tool (yes, really)When mileage vs. actual vehicle deduction makes senseWhy donor-advised funds are a CPA favoriteSmart ways to avoid penalties on estimated taxesCommon real estate tax myths (and how to keep more of your rental income)Whether you're a solo entrepreneur, business owner, or just trying to make the most of your income, this episode delivers practical advice you can use right now.What triggers an IRS audit—and how to avoid oneHow to choose between LLC, S-Corp, or C-CorpThe truth about home office write-offs (spoiler: they don’t change your life)Real estate investing rules: passive vs. active, depreciation, and moreTips for Airbnb hosts and short-term rental ownersHow to handle business vehicle deductions the smart wayWhat happens if you sell a bonus-depreciated carWhen to use a 1031 exchange vs. take the capital gainsWhy donor-advised funds are an underused tax strategyHow to reduce penalties on estimated taxes (especially at today’s 8% rate)🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com

Did you know over 70% of Americans don’t have an estate plan? Whether you're wealthy or not, have kids or don’t, a plan matters—and not having one could leave your loved ones stuck in court. In this estate-planning-packed episode of Financially Fluent, Ray Godleski sits down with estate attorney Becki Campolito to break down what you really need when planning for the future.From trusts vs. wills, to powers of attorney, remarriage protection, blended families, and even business succession, this episode delivers practical advice for real life—not just theory.You’ll walk away with clarity on:When a will-based plan is enough—and when you really need a trustThe key differences between executors, trustees, and grantorsWhy powers of attorney are often more important than your willHow to handle inheritance drama (and prevent it with a “no contest” clause)How non-married couples should structure homeownershipSmart strategies for business owners and charitable givingWhat to know before you move to a different state 🎧 Listen now to learn how to protect your family, your assets, and your legacy—without falling for common myths or waiting until it’s too late.🎧 Follow the show every Tuesday on Apple Podcasts:https://podcasts.apple.com/sg/podcast/financially-fluent/id1796392113📩 info@SeWealthPartners.comQuestions welcome. Real answers given.Explore our free tools and resources atwww.YourNextStepFinancial.com