Money Isn't

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Charitable giving is not just about generosity. Done right, it is one of the most powerful tax and estate planning tools you have.. In this episode, John Smallwood is joined by Jacqueline M. Bartley J.D., vice president of gift planning at Hackensack Meridian Health Foundation and one of the nation’s leading experts in estate and blended gifts, helping secure multiple $10M+ planned gifts. Jackie explains how donors use appreciated stock, real estate, charitable trusts, and more to support the causes they care about while improving their long-term financial picture. Together they break down why early planning matters, how to avoid costly tax traps, the power of coordinated advisor conversations, and how legacy gifts can honor your values while strengthening your family’s future.Chapters:(00:00) Introduction (02:10) Jackie’s Role and Three Decades in Gift Planning(05:40) Why Donors Give (10:20) The Most Powerful Charitable Tool(16:00) Tax-Smart Gifting Strategies(23:45) Charitable Trusts: Remainder vs Lead (33:10) Beneficiary Designations, Legacy Gifts, and Family Planning(45:55) Why Communication Protects Your Legacy What asset in your portfolio do you think could create the biggest impact, for both your family legacy and a cause you care about, if it were structured strategically? Leave your answer in the comments below Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Many business owners are losing profit from problems they never see coming, not the economy, not competitors, but their own operations. In this episode, John Smallwood sits down with John DeCausmaker, founder of Little John’s Lawns and Call Boss who scaled from one used pickup truck to 3,100 recurring customers. Together they reveal the silent threats draining most service based businesses. From mispricing his very first job to losing 40+ customers a month from missed calls, Decausmaker shows how sloppy routing, poor pricing intuition, unmanaged COGS, and lack of follow-up quietly destroy profit. If you want to scale without spending more on ads, this conversation shows precisely where your money is leaking and how to plug the holes before they cost you the next decade.Chapters:(00:00) Introduction(02:05) John’s Early Entrepreneurial Roots(15:07) Scaling Little John’s Lawns to 17 Trucks and 3,100 Customers(22:03) Health Wake-up call and Losing 100 Pounds in 12 months(35:54) Wealth Leaks Destroying Small Companies(41:12) Solving Missed Calls and Low Conversion (47:34) Advice For Overcoming Business Struggles Connect with John Instagram: https://www.instagram.com/johndecausmaker/ Business Instagram: https://www.instagram.com/littlejohnslawns/ Website: https://www.littlejohnslawns.com/ What’s the one operational leak in your business you know you need to fix this year? Leave your answer in the comments below. Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!What can 60 days alone in Antarctica teach you about success, discipline, and the courage to become your full self? In this episode of The Money Isn’t Podcast, John Smallwood sits down with Akshay Nanavati, the Marine veteran who dragged a 420-pound sled 500 miles across the Antarctic ice, and Melissa Nanavati, a neuroscience-based relationship expert helping high performers build emotionally resilient partnerships. Together, they break down how fear can become fuel, why stillness and solitude reveal your real identity, how relational courage impacts your energy and decision-making, and why internal patterns determine your capacity for long-term success. This conversation shows how self-mastery, and courageous partnership create the foundation for sustained achievement.Chapters:(00:00) Becoming the Full Version of Yourself(02:07) Akshay’s Story: War, PTSD, and Hitting Rock Bottom(03:35) Melissa’s Journey and the Science of Relational Courage(06:27) Life After War and the Search for Purpose(13:28) Inside the Seven-Day Darkness Retreat(19:24) Training for 60 Days Alone in Antarctica(26:25) Melissa’s Support System (30:46) Designing Identity, Partnerships, and a Life You Want(42:35) Emotional Regulation and Returning to Baseline(51:29) Why Learning = Behavior ChangeConnect with Akshay Youtube: https://www.youtube.com/c/fearvana Instagram: https://www.instagram.com/fearvana Get Fearvana: https://www.amazon.com/FEARVANA-Revolutionary-Science-Health-Happiness/dp/1630476056 Connect With Mellisa Instagram: https://www.instagram.com/melissananavati Youtube: https://www.youtube.com/@PeakPerformanceLove Website: https://www.melissananavati.com/ What identity shift did you need to make to reach your next level, in wealth, relationships, or life?Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Thousands of veterans are working hard while ignoring the benefits that could change their financial future overnight. VA attorney and disabled veteran Todd Wesche helps service members secure the VA disability compensation they earned. Veterans who think “I can still work, so I am not disabled” may be walking past seven figures of tax free, protected income over time. In clear, plain language Todd explains ratings, claims, and appeals so veterans can turn tinnitus, sinusitis, back pain, anxiety, PTSD, flat feet, and service-connected scars into real monthly compensation and long term financial stability.In this Veterans Day episode, John and Todd cover what actually qualifies as a disability today, how the 0 to 100 percent rating scale pays, why your income does not affect compensation, and how to start with an intent to file. You will learn the simple blue line scan to identify claimable conditions, when to seek an increase or appeal, how retroactive pay works, and why Permanent and Total status can unlock additional benefits. They also map the opportunity cost of waiting, including how consistent, tax free payments can fund debt payoff, a business launch, or long term savings.Chapters:(00:00) Introduction (04:04) The Mindset That Keeps Veterans From Filing(12:11) Ratings, Payouts, and Why Income Does Not Matter(16:22) Turning Benefits Into Long Term Wealth(26:28) How to Identify Every Eligible VA Claim(31:04) Increases, Appeals, and Retroactive Pay(33:23) When to Seek Legal Help on ContingencyWork with Todd and his team: https://vetuslegal.com/ Connect with Todd Youtube: https://www.youtube.com/channel/UCFg_sa6hHuqM3vmYjRBR4tQ Instagram: https://www.instagram.com/vetswithbenefitspodcast/ Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

Many entrepreneurs don’t hit a ceiling because of their business but because of their mindset. William Lam is the founder of UPGRD, a performance company that helps entrepreneurs, investors, and wealth advisors reprogram the mindset patterns holding back their success. His work with top industry leaders has revealed that most “plateaus” aren’t business problems, they’re mental ones. Through cutting-edge neural conditioning and behavior modeling, William helps professionals install the mental software that matches the level of wealth they’re trying to sustain.In this episode of The Money Isn’t Podcast, John Smallwood and William dive into the hidden loops that keep high achievers working harder but feeling stuck. They discuss why many business owners unconsciously recreate financial setbacks, how to build wealth that lasts by changing your mental model first, and how to align your environment, decisions, and identity with true abundance. You’ll walk away with a clearer understanding of what’s been quietly limiting your growth, and the mindset frameworks that unlock your next level.Chapters:(00:00) Introduction (05:10) The Hidden Mental Loops That Block Wealth(10:25) Motivation Without Crisis(18:45) How to Align Your Mindset With Real Abundance(26:40) When Intelligence Works Against Financial Success(35:30) Designing the Life and Business You Actually Want(45:15) Building Wealth That Lasts Through Better ThinkingTo work with Smallwood Wealth Management visit https://Go.oncehub.com/swconcierge to schedule a call today! Connect with William Instagram: https://www.instagram.com/william.upgrd/ Youtube: https://www.youtube.com/@brokersofsecrets UPGRD Website: https://upgrd.com/ Take the loop quiz: https://loop.upgrd.com/ Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Many business owners mistake movement for progress and it’s costing them real profit. In this episode of Money Isn’t, John Smallwood sits down with Mike Arce, founder of Loud Rumor and host of the GSD Show, to unpack how the most efficient leaders triple results with one-third the effort. Mike built multimillion-dollar companies by teaching entrepreneurs to eliminate waste, master KPIs, and turn principles into scalable profit.Together Mike and John discuss what the real job of a CEO is, how to fix broken sales follow-up systems, and the mindset shift that transforms “busy” into “profitable.” You’ll learn why efficiency isn’t about speed, it’s about clarity, what to measure, and how to deploy every dollar like a soldier that brings back more soldiers. This episode will help you see your business through a sharper lens, uncovering profit that’s been hiding in plain sight.Chapters:(00:00) Introduction(05:20) The CEO’s Real Job: Clarity, KPIs, and Profit(08:10) Efficiency Defined: Eliminate Waste, Not Time(11:45) Growing Without More Leads: Fix Follow-Up and Call, Don’t Just Text(16:20) Raising Rates With 3% Churn(20:40) Operating Cadence That Scales(25:35) Perspective Shifts That Change Behavior(30:50) Money Strategy: Cash Availability and Opportunity Cost(42:45) Principles That Travel and Results That ScaleWhat’s one area of your business that feels “busy” but not truly profitable? Let me hear your answer in the comments. Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Mike Arce Instagram: https://www.instagram.com/mikearcelive/ YouTube: https://www.youtube.com/@MikeArceLiveConnect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Adam Williams is the Co-Founder and CEO of Elevest Capital, a private equity firm specializing in the acquisition and capital raising of multifamily real estate assets. With over 20 years of experience, from tax foreclosures to large-scale apartment syndications, Adam brings insight into how real wealth is built through disciplined investing, smart deal structures, and compounding returns.In this episode of Money Isn’t John Smallwood and Adam unpack how business owners can turn active income into lasting wealth through multifamily investing. They cover the hidden risks of single-family rentals, how to vet operators and debt structures, and why diversified, cash-flowing apartment deals can outperform traditional investments. You’ll also learn how to find undervalued properties, use leverage intelligently, and build tax-efficient income that scales with time and experience.Chapters:(00:00) Big-Picture Financial Thinking(06:22) The 2007 Crash and Shifting Toward Multifamily(08:47) Paying to Learn: Mentorship in Commercial Real Estate(13:36) Why Most “Passive” Rentals Lose Money(16:15) Single-Family vs Multifamily: Understanding Real Returns(21:13) Finding Discounts and Hidden Opportunities(30:00) Real Estate Tax Advantages and 1031 Strategies(35:22) Navigating Today’s Market Shifts(42:10) Opportunity Zones, Risk, and Overhyped Deals(46:11) Educating Investors and Free Tools for BeginnersWhat’s holding you back from building passive income? lack of time, lack of capital, or lack of the right strategy? Drop your answer in the comments below Connect with the Adam Williams Instagram: https://www.instagram.com/awinvests/ YouTube: https://www.youtube.com/@AdamWilliamsInvests Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!In this episode of Money Isn’t, John Smallwood sits down with Braven Grant, founder of GAINS, a natural supplement company revolutionizing creatine and holistic performance products. Braven shares his journey from small-town beginnings and early business failures to scaling GAINS into a multimillion-dollar brand.Together they dive into the realities of entrepreneurship, why making millions doesn’t guarantee happiness, how mastering marketing and unit economics changed everything, and the subscription model that turned GAINS from stalled growth into explosive success. You’ll also hear Braven’s philosophy on progress, fulfillment, and building a business that truly serves people, not just profit.Chapters:(00:00) Introduction(03:22) Why Millions Don’t Equal Fulfillment(07:41) Growing Up in a Fitness & Faith-Based Family(12:05) The Supplement Industry’s Synthetic Problem(17:18) Launching GAINS and Early Struggles(23:54) Buying Out Family and Taking Full Control(30:11) The Turning Point: Marketing and Mentorship(38:47) Subscription Model and Explosive GrowthWhat do you think matters more for entrepreneurs, hitting revenue milestones or building lasting fulfillment? Share your perspective in the comments.Connect with Braven on Instagram: https://www.instagram.com/bravengrant/ YouTube: https://www.youtube.com/@bravengrant Gains Website: https://gainsinbulk.com/ Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Estate planning isn’t just about wills and trusts, it’s about designing a strategy that protects wealth, reduces taxes, and preserves family legacy. In this episode of Money Isn’t, John Smallwood sits down with Michael Canarick, an estate planning attorney with deep expertise in taxation and multi-jurisdictional law.From powers of attorney and revocable trusts to advanced tools like credit shelter trusts and SLATs, you’ll discover how to avoid probate, minimize taxes, and protect assets from divorce or creditors. Michael also explains how gifting strategies, state tax laws, and favorable trust jurisdictions can turn a basic estate plan into a true estate design, one that keeps more of your wealth in your family.(00:00) Introduction(03:12) Why Estate Planning Is More Than Just a Will(07:36) The Essential Documents Everyone Needs at 18(12:48) How Revocable Trusts Help You Avoid Probate(19:55) Understanding Federal vs. State Estate Taxes(27:40) Credit Shelter and QTIP Trusts Explained(36:52) Gifting Strategies That Save Millions in Taxes(46:05) Using SLATs and Advanced Trusts for Asset Protection(57:28) Why Trust Jurisdiction Matters for Wealth Preservation(01:08:10) Designing an Estate Plan Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementConnect with the Canarick Law team Instagram: https://www.instagram.com/canaricklaw/Website: https://canarick-law.com/This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Profit isn’t an outcome, it’s a choice. In this episode, John Smallwood sits down with Michele Williams, owner of Scarlet Thread Consulting and Metrique Solutions, and host of the Profit Is a Choice podcast. Michele is a trusted business coach and financial strategist who helps entrepreneurs gain clarity, master their financials, and design businesses that truly work for them.Together, they cover practical strategies like reading your P&L with confidence, pricing without emotion, giving net profit a clear job description for taxes, reinvestment, debt, and owner pay, and using Michele’s “Lego method” to redesign your business so it finally supports the life you want.Chapters:(00:00) Introduction (01:13) Early Lessons in Profit/Loss(07:50) Losing Money, Boundaries, and Sustainability(10:38) Separating Self From Business(16:22) What Owners Must Track (And Why)(24:29) Taxes, Reinvestment, Debt, Owner Pay(31:24) Hiring, Accountability, and Culture Margins(49:59) The Lego Method After watching this episode, what's one boundary or policy you’ll implement this quarter to protect profit?Connect with Michele on Instagram: https://www.instagram.com/scarletthreadatl YouTube: https://www.youtube.com/@scarletthreadconsulting8167Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Inflation, interest rates, and taxes are the trifecta that quietly shape your financial future. In this episode of Money Isn’t, John Smallwood explains how business owners and entrepreneurs can address these risks with holistic planning. Discover how small adjustments today can protect your capital, preserve purchasing power, and keep your wealth curve trending upward for years to come.Chapters(00:00) Introduction(02:03) The Ongoing Pressure of Inflation(04:07) Interest Rates: Relief Today, Risks Tomorrow(07:00) How Inflation Compounds and Shrinks Purchasing Power(09:41) The Double Hit of Lower Rates and Higher Taxes(11:53) How Entrepreneurs Can Stay Ahead of All Three Risks(13:34) Smarter Planning to Keep the Wealth Curve RisingWhat strategies have helped you keep your business resilient against inflation and taxes? Share them in the comments.Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!What can a family-owned fashion business teach us about building wealth, creating legacy, and navigating generational success?In this episode of Money Isn’t, John Smallwood sits down with Johnell Garmany, owner of Garmany in Red Bank, NJ, a 40,000 sq ft luxury fashion landmark. They explore how bold vision, customer-first culture, and resilience through crises turned a single store into a symbol of financial success and family legacy. Beyond fashion, this conversation dives into the principles of building lasting wealth: strategic risk-taking, cultivating experiences over transactions, and aligning business growth with long-term legacy. For business owners and entrepreneurs, it’s a blueprint for turning enterprise into enduring wealth.Chapters:(00:00) Introduction(02:01) From Manhattan Beginnings to Red Bank Expansion(04:18) The 40,000 Sq Ft Leap(07:21) Lessons in Family Business & Succession(10:33) Customer Experience as a Wealth-Building Strategy(19:50) Resilience Through Crises(29:46) Red Bank’s Potential as a Luxury Destination(40:04) Legacy, Innovation & The Next ChapterWhat’s the most valuable lesson you’ve learned about turning business success into lasting wealth? Share your thoughts in the comments.Instagram: https://www.instagram.com/garmanyofredbank/Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!The new “Big Beautiful Bill” is packed with tax breaks that could save business owners thousands, but only if you know how to use them. In this episode of Money Isn’t, John Smallwood unpacks the “Big Beautiful Bill” from expanded SALT deductions and bonus depreciation to the new QSBS exemption. Discover how these changes create opportunities to reduce taxes, protect profits, and build a financial blueprint that compounds wealth year after year.Chapters:(00:00) Introduction(01:57) SALT deduction expansion (03:10) QBI (199A): optimizing compensation (03:45) Pass-Through Entity Tax (BAIT) (04:29) Bonus Depreciation & Section 179(05:46) stacking strategies to shelter gains(06:28) Wealth blueprinting Which provision of the new tax law do you think will have the biggest impact on your business? Share in the comments.Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Many business owners are paying far more in taxes than they should, and the problem is only getting bigger with the 2025 tax sunset approaching. In this episode, John Smallwood reveals the critical mistakes entrepreneurs make when it comes to deductions, from missing out on the pass-through entity tax to underutilizing the Qualified Business Income (QBI) deduction. Discover how to stop financial leaks, prepare for upcoming law changes, and protect the profits your business works so hard to generate.Chapters:(00:00) Introduction(02:09) Why Taxes Are the Greatest Wealth Leak(03:13) Pass-Through Entity Tax and QBI Explained(05:36) How State Taxes and SALT Caps Impact Businesses (08:38) Tax Savings Strategies That Add Up(09:18) Preparing for the 2025 Tax Law Sunset(13:34) The Opportunity Cost of Missed DeductionsBusiness owners often miss deductions that could save thousands. Which tax strategy have you found most valuable? Share your experience in the comments.Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!What if your passion could become the foundation for wealth, leadership, and lasting impact? John Smallwood welcomes Peter Terilli, a healthcare professional turned consultant and rugby executive whose leadership spans Monmouth Rugby, Elysium Rugby, and Jersey Shore Youth Rugby. With roots in physical therapy and experience connecting talent at Tandym Group, Peter brings a unique mix of healthcare insight, relationship-building, and organizational strategy. His passion for rugby has grown into a platform for philanthropy, disability awareness, and youth development. In this conversation, John and Peter uncover how rugby’s culture of teamwork mirrors business and investing, building balanced teams like diversified portfolios, structuring organizations like strong asset strategies, and investing in community like compounding returns. This episode reveals how aligning passion with purpose can create financial resilience, leadership growth, and long-term impact.Chapters:(00:00) Introduction(02:22) Peters Rugby Background(05:07) From Physical Therapy to Consulting & Leadership(10:09) Disability Advocacy & Awareness Through Rugby(16:56) Founding Elysium Rugby & Building Community(23:30) Rugby Lessons for Business & Teamwork(33:45) Funding, Sponsorship & Strategic Growth(42:50) Final Lessons: Networks, Wealth & Team SuccessConnect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementCheck out Peters team: https://www.instagram.com/elysium_rugby/This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

Sometimes the fastest way to grow your company’s profit isn’t by chasing new clients or squeezing margins, it’s by making internal moves that immediately increase profitability and long-term valuation. In this episode John Smallwood covers strategies for maximizing business profit through intelligent profit and loss management. From strategic pricing adjustments and boosting purchase frequency to cutting unnecessary costs and leveraging real estate, each move compounds into exponential gains. This is a blueprint for owners who want more income now and a significantly higher payout when it’s time to sell. Chapters:(00:00) Introduction(03:15) How Price, Frequency, and COGS Shape Profitability(08:46) Owner Compensation & Tax Efficiency Strategies(13:28) Leveraging Real Estate for Profit and Valuation(18:57) Asset Structure for Maximum ROI(24:15) Optimizing Incentives for Growth(28:42) Exit Planning and the Ripple Effect of Smart MovesWork with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

Most business owners struggle with retention, and labor shortages, what if the most dependable hires in America were hiding in plain sight? In this episode of Money Isn’t, John Smallwood is joined by retired Army Colonel and workforce strategist Bernie Hyland. Bernie has helped major brands like Audi and Mercedes-Benz solve workforce gaps by tapping into one of the most underutilized resources in America: military veterans. He now leads ERS Elite and the Kia VTAP program, a national initiative connecting highly-trained veterans with companies that need talent they can count on.This episode is essential for business owners, investors, and high-income professionals who see talent acquisition as a core pillar of long-term wealth preservation. Bernie lays out the exact systems that reduce turnover, lower hiring costs, and build elite loyalty into your team. You'll walk away with a new lens on hiring strategy, the ROI of apprenticeship models, and why veterans may be the most overlooked advantage in the modern economy.Chapters:(00:00) Introduction(06:09) Understanding “Post-9/11” Veteran Opportunity(11:03) Underemployment: The Hidden Financial Risk(15:54) Military Leadership as Corporate Gold(22:17) How Kia VTAP Revolutionized Technician Training(29:31) The Turnover Crisis and How ERS Elite Solved It(36:12) The Financial ROI of Apprenticeship Hiring(45:26) How ERS Is Expanding Beyond Automotive(55:44) Final Takeaways: Building Talent to Protect WealthTo work with Smallwood Wealth Management visit ⁠⁠http://Go.oncehub.com/swconcierge⁠⁠ to schedule a call today!Connect with Us On Social Media⁠Instagram: https://www.instagram.com/smallwoodwealth⁠LinkedIn: ⁠https://www.linkedin.com/in/john-l-smallwood⁠Facebook: ⁠https://www.facebook.com/SmallwoodWealthManagement⁠Connect with Bernie YouTube: https://www.youtube.com/@ersinc.7212This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!You wouldn’t let someone else choose your career, your home, or who you marry, so why let someone else shape your financial future? In this episode, John Smallwood breaks down why creating a personal wealth plan is the most important step in protecting your future, no matter how much money you have. He explains why most people delay planning until it's too late, how to truly invest in yourself, and why financial clarity starts long before you invest a single dollar. This episode is the perfect starting point for anyone looking to take control of their financial future.Chapters(00:00) Introduction(01:32) What It Means to Truly Invest in Yourself(03:38) The Wealth Curve Blueprint Explained(05:09) Maximizing What You Already Have(06:03) Why Great Plans Still Need AdjustingWhat is the number one way you invest in yourself ? Leave your answer in the comments!!Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!Market Fluctuations don’t disappear with time, they compound, and a single market crash can destroy decades of growth. In this episode of Money Isn’t, John L. Smallwood breaks down one of the most misunderstood risks in retirement: one-year volatility. He reveals why market dips late in your investing life can be devastating, even if you’ve been “in the market” for 20 years. John shares a smarter way to build buffers, protect gains, and avoid mistakes that cost investors millions. Learn how to diversify with tools like annuities, cash positions, and planning for macroeconomic shocks. If you’ve built wealth, this episode is essential to keeping it.Chapters(00:00) Introduction (01:28) Why $1M Can Suddenly Drop 40% (03:47) How Sequence of Returns Can Ruin Your Retirement(05:23) The Devastating Impact Of Selling During a Crash(07:54) You Don’t Actually Get the Average Market(09:36) Diversification Should Be Unique To You (11:54) Conclusion: Understanding Full Spectrum Of RiskEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule call today!Most retirees don’t realize they could be walking into a tax trap. In this episode of Money Isn’t, John L. Smallwood breaks down how Social Security benefits are taxed, why deferring income can backfire, and the strategic moves high-net-worth individuals can make today to avoid unnecessary taxes in retirement. Learn how to time distributions, leverage Roth conversions, and optimize your tax bracket while it’s still favorable. This episode is essential for anyone focused on tax-efficient wealth preservation and retirement planning.Chapters:(00:00) Intro (04:27) When Deferral Works and When It Doesn’t(07:13) Tax-Free Withdrawals: When and How(09:10) Understanding the 85% Rule for SS Tax(12:21) Missed Opportunities in Low-Tax Environments(14:08) Roth Conversion Timing and Impact(15:16) 2026 Sunset and Tax Law Shifts(17:27) Final Takeaway: Move From Future Tax to No TaxEnjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!Connect with Us On Social MediaInstagram: https://www.instagram.com/smallwoodwealthLinkedIn: https://www.linkedin.com/in/john-l-smallwoodFacebook: https://www.facebook.com/SmallwoodWealthManagementThis communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.