Money Isn't

Join us as we sit down with interior designer Anastasia Harrison, whose background in architecture and sustainability has shaped her unique approach to design. She shares her journey from corporate stability to launching her own business, navigating the financial and emotional hurdles along the way. Anastasia breaks down the evolution of sustainable architecture, the importance of balancing beauty with environmental responsibility, and the role of strategic planning in scaling a brand. If you’ve ever considered taking the leap into entrepreneurship or want to understand how sustainability and design intersect, this episode is for you. Learn how to create unforgettable client experiences, set actionable goals, and push past self-doubt to build a life you love. Chapters(00:00) Intro(01:37) A Journey Through Design: From Architecture to Interior Design(03:32) The Rise of Sustainable Architecture and LEED Certification(05:12) Evolution of Sustainability Standards in Corporate Practices(06:51) Balancing Passion with Parenthood(17:07) The Art of Delegation and Design(28:54) Enhancing Business Through SOPs(34:40) Designing Relationships and Retail Success(45:46) Revitalizing Dreams: The Journey of TransformationWork with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page 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.

03-19

01:01:13

You asked, we’re answering. In this episode, we’re reacting to your toughest comments and biggest questions about retirement planning. From misconceptions about market returns to the hidden dangers of inflation, we’re setting the record straight and diving deeper into the strategies that actually secure your financial future.Smallwood Wealth financial advisor Rob Marks returns to clarify the confusion, challenge assumptions, and offer actionable advice for building a retirement plan that lasts. He breaks down why average returns can be misleading, how personal inflation can quietly erode your savings, and the strategies that can safeguard withdrawals during market downturns. Plus, Rob shares how to build a backup plan for financial stability, no matter what the market throws your way.Chapters0:00 Intro2:38 Reacting to Market Return Misconceptions7:02 How Personal Inflation Impacts Your Savings12:52 Addressing Uncertainty in Retirement Planning16:05 Lessons from 1984: CDs and Economic Shifts27:07 Transitioning Smoothly into Retirement30:33 Strategies for Withdrawals During Market DownturnsWork with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodwealth.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-pageThis 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.

03-12

48:30

Ever wonder if making more money really leads to a happier life? John Smallwood is joined by Edward Bao—senior wealth advisor at Smallwood Wealth with 16 years of Wall Street experience—to shine a light on the realities behind wealth, success, and personal growth. You’ll hear how the high-stakes world of floor trading evolved into today’s electronic markets, and why empathy, mindset, and emotional intelligence might be the real game-changers for your financial future.If you’re craving a down-to-earth take on money that goes beyond numbers and deep into what truly matters, you won’t want to miss this. Chapters: 00:00 Intro01:47 The Shift from Floor Trading to Electronic Markets04:32 Navigating the Challenges of Trading and Technology06:27 The Value of Money and Personal Growth25:07 Reflections on Growth and Financial Evolution43:41 Rethinking Investment Strategies57:54 The Power of an Open MindWork with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodwealth.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page 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.

03-05

59:28

In relationships, financial harmony and mutual support are crucial. But what happens when passion, well-being, and vision collide? In this episode, we explore how thriving partnerships balance financial teamwork, personal fulfillment, and shared goals. From navigating the delicate interplay between passion and practicality to understanding the role of giving in relationships, this conversation offers insights into building strong, enduring connections.Veronica Scanlon, a client of Smallwood Wealth Management, shares her perspective on how music, finance, and relationships intertwine. She dives into the importance of balancing a big-picture vision with detail-oriented execution, especially when working as a team. Learn how adaptability, optimism, and strategic collaboration can drive success, whether in personal growth or financial decision-making.Chapters:(00:00) Intro(02:54) Passion, Well-Being & Financial Harmony(04:57) Balancing Vision & Detail for Success(06:57) Teamwork & Adaptability in Financial GrowthWork with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-pageThis 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.

02-26

09:14

Rob Marks returns to break down why market timing is one of the biggest mistakes investors make—and how to stay ahead with a smart, long-term investment strategy. If you’ve ever felt the urge to pull your money out when markets dip, this episode will change the way you think about volatility, wealth preservation, and tax-efficient planning.Rob, a Certified Financial Planner at Smallwood Wealth Management, dives into the psychological traps investors fall into, the hidden risks of holding too much cash, and how to build a financial plan that weathers market uncertainty. With decades of experience, Rob explains why the best days in the market often follow the worst—and how missing them can cost you big. Plus, he shares expert tax strategies to maximize your retirement savings.Chapters:00:00 Introduction01:36 Why Market Timing is a Costly Mistake03:40 Long-Term Growth vs. Emotional Investing: The Power of Staying Put06:00 Handling Market Volatility: Smart Strategies for Investors10:09 Tax Strategies to Protect & Maximize Your WealthWork with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page 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.

02-19

14:21

Are you chasing success only to find it feels empty? In this episode, we explore the paradox of wealth, identity, and fulfillment with a corporate executive-turned-songwriter who walked away from the rat race to pursue passion and authenticity. We dive deep into how societal expectations shape our values, why money can become an addiction, and how genuine human connection holds more value than financial success. Through personal stories and reflections, we uncover the true cost of ambition and the transformative power of giving.James D. Scanlon spent 25 years in corporate real estate before realizing that the life he built didn't align with his true self. One night in 2008, he wrote a song that set him on a new path—one that embraced creativity, storytelling, and the search for meaning beyond material wealth. Now an author and songwriter, he shares his insights on emotional songwriting, the "hole in the heart" metaphor, and the importance of surrounding yourself with givers, not takers. His journey is a testament to the idea that success without purpose is hollow, but embracing your true calling can change everything.Chapters:00:00 - Intro02:41 - The Paradox of Money and Identity05:06 - Luxury, Ambition, and Reflection09:33 - The Evolution of Songwriting13:22 - The Journey of Creation and Connection31:37 - Navigating Emotions and Relationships42:14 - Embracing Authenticity Through Giving46:50 - Legacy of Love and TransformationWork with Smallwood Wealth ManagementLearn more about Smallwood Wealth:https://smallwoodassociates.comSchedule a free 15 minute introduction:https://go.smallwoodassociates.com/consult-pageThis 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.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

02-12

52:09

The 4% rule is one of the most well-known retirement strategies, but is it really the safest approach? In this episode, we break down the truth behind withdrawal rates, the risks of overspending, and how market volatility could derail your financial future if you're not careful. You'll learn why a million-dollar nest egg isn’t always enough, how to make the most of Social Security benefits, and the critical role of diversification in sustaining long-term wealth.Rob Marks, a wealth advisor at Smallwood Wealth Management, shares expert insights on navigating retirement planning pitfalls. He explains how to align your spending with a realistic financial strategy, assess lifestyle costs, and avoid the common mistakes that leave retirees struggling. With decades of experience helping clients protect, grow, and enjoy their hard-earned assets, Rob provides actionable steps to create a plan that truly works for you.Chapters:(00:00) Intro(01:32) The Truth About Retirement Withdrawal Rates(05:03) Hidden Risks of High Withdrawal Rates(08:26) Social Security Secrets You Need to Know(10:20) Mastering the 4% Rule for a Secure RetirementIf you’re serious about securing a stable financial future, this episode is a must-watch. Learn how to optimize your withdrawal strategy, maximize Social Security benefits, and build a resilient portfolio that can weather market downturns. Drop a comment below with your biggest takeaway, and don’t forget to like, subscribe, and turn on notifications for more expert insights!Work with Smallwood Wealth ManagementLearn more about Smallwood Wealth: https://smallwoodassociates.comSchedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroductionThis 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.NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

02-05

12:47

The key to long-term business success isn’t just strategy—it’s teamwork, accountability, and transparency. Too many businesses struggle with aligning leadership, sales, and support teams, but the secret to profitability lies in collaboration and setting high expectations. In this episode, we explore how incentive structures, financial transparency, and strong leadership can drive high performance and create a culture of ownership. Alex Freytag, founder of ProfitWorks and expert EOS (Entrepreneurial Operating System) facilitator, shares his insights on empowering teams, fostering accountability, and eliminating entitlement mindsets. He breaks down how businesses can use incentive plans tied to company profitability to encourage collective success. Learn how setting ambitious goals like BHAGs (Big Hairy Audacious Goals) can transform performance, and why clear financial communication is essential for engagement and motivation. Chapters: (00:00) Intro (01:58) How Businesses Can Drive Profitability (17:08) The Leadership Formula for Growth (30:02) Why Sales and Support Must Work Together (36:13) Turning Business Struggles into Success (43:36) The Key to Empowering Teams 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! Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.smallwoodassociates.com/consult-page 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. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

01-30

45:43

You’re playing too small. In this episode, we explore how billionaires think, make decisions, and embrace failure as a stepping stone to exponential growth. Aaron Bare reveals the mindset shifts that separate high achievers from the rest, showing why expanding your vision is crucial for success. Drawing from his experience coaching billionaires and working with industry disruptors, Aaron shares how leaders like Elon Musk leverage audacious goals, innovation, and calculated risks to transform industries. If you’re ready to think bigger and challenge your limits, this episode is for you. Aaron Bare is a globally recognized change agent, bestselling author of Exponential Theory: The Power of Thinking Big, and a trusted advisor to top executives and industry leaders. With a career spanning nearly 100 countries, he’s helped Fortune 500 companies, startups, and entrepreneurs embrace exponential thinking to drive innovation and scale. Aaron specializes in helping leaders break subconscious barriers, build visionary teams, and create a culture of strategic dissent that fosters breakthrough ideas. Chapters: (00:00) Intro (01:39) How Billionaires Think Differently (04:20) Mastering Personal & Professional Growth (06:54) Visionary Leadership in Action (24:54) The Wealth Mindset: Harnessing Big Ideas (32:30) Why Embracing Failure Fuels Success ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction 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. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

01-23

36:25

Discover how the 2025 tax changes could reshape your financial future. From the sunset of the 2017 Tax Cuts to strategies for handling capital gains, retirement planning, and business finances, this video dives into the tax implications for high-income earners, retirees, and business owners. Learn proactive tax planning tips, maximize savings, and reduce liabilities. Don't wait—stay informed and take control of your wealth strategy. Understand how tax brackets, deductions, and capital gains impact your wealth. Explore strategies like deferrals, simulations, and tax-efficient savings to avoid financial pitfalls. Whether you're planning for retirement or navigating complex business finances, these insights will help you make smarter financial decisions in 2025 and beyond. Chapters: (00:00) Introduction (26:53) Tax Strategies for High Earners (40:26) Business Finances & Taxes (51:58) Secure Financial Decisions Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction 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. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

01-16

53:41

From the ring to real estate, dive into the journey of overcoming financial struggles, shifting mindsets, and embracing personal growth. Explore how early money beliefs and emotional intelligence shape wealth-building decisions, with actionable insights to transform your approach to success. Michael Mahoney, former boxer and real estate entrepreneur, shares his inspiring story of resilience and reinvention. He discusses navigating the challenges of short-term rental arbitrage, lessons from Las Vegas during the pandemic, and the critical role of mindset in achieving holistic success. As a performance coach and CEO of Edutive, Michael's insights will leave you empowered to take charge of your financial and personal future. Chapters (00:00) Intro (01:56) Boxing to Real Estate: Michael’s Journey (13:41) Overcoming Real Estate Challenges (20:58) Las Vegas and the Pandemic’s Impact (27:14) Shadows and Transformation (40:43) Financial Mindset Breakthroughs (51:19) Personal Development and Unlocking Potential ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction 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. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

01-09

54:11

Are you ready to master wealth-building in 2025? In this episode, we unveil the ultimate formula for financial success by aligning your income, savings rate, and lifestyle to create sustainable wealth. Discover how adopting a wealth mindset transforms not just your bank account but your entire approach to financial planning. Most people wait for more money to start planning, but this mindset can leave you stuck. Learn how to break free, optimize your financial elements, and achieve the freedom you deserve. John Smallwood, a leading expert in wealth management, explains why balance and consistency are the secrets to compounding wealth over time. By understanding the interplay between income, tax optimization, and long-term strategies, you’ll gain the tools to unlock exponential growth. Whether you’re new to wealth-building or refining your strategy, this episode is packed with actionable insights to take your finances to the next level. Chapters: (00:00) Introduction: The Only Formula You Need to Build Wealth in 2025 (02:00) Aligning Income, Savings, and Lifestyle for Success (06:30) Mastering Tax Balance and Long-Term Wealth Strategies (10:00) Wrapping It All with a Wealth Mindset Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction 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. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

01-02

11:10

Want to maximize your retirement savings and secure your financial future? In this episode, financial expert John L Smallwood challenges traditional retirement planning assumptions and reveals lesser-known strategies for wealth building. Discover why your current 401(k) and IRA approach might be costing you in hidden fees and taxes, and learn how smart term life insurance decisions could dramatically impact your wealth preservation. From insurance conversion tactics to tax-efficient investing tips, Smallwood breaks down complex concepts into actionable insights. Whether you're starting your financial journey or looking to enhance your current strategy, these powerful perspectives on insurance timing and tax advantages could reshape how you think about building long-term wealth. Chapters (00:00) Intro (09:40) Navigating Life Insurance Choices and Quality (12:03) Understanding Wealth Accumulation and Financial (37:09) Rethinking Financial Planning for a Secure Retirement 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! ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction 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. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

12-26

39:25

Are you ready for the AI revolution? This episode dives into how cutting-edge technologies like AI, robotics, and genetics are reshaping industries and unlocking human potential. Learn how you can leverage these innovations to stay ahead in a rapidly evolving world. Jonathan Foltz, a futurist and serial entrepreneur with over 30 companies and $100 million in revenue, shares insights on the GNR revolution (genetics, nanotechnology, and robotics), conscious leadership, and the future of artificial general intelligence (AGI). Discover how AI can enhance creativity, streamline business operations, and bridge generational gaps. Tune in to explore practical strategies for adopting AI early, fostering collaboration, and driving personal and professional growth. Chapters (00:00) Intro (01:35) Embracing the AI Revolution (17:00) Embracing AI for Everyday Enhancement (21:03) Harnessing Human Potential Through AI (38:02) Authenticity in the Age of Web3 (43:29) Navigating the Future of AGI (54:05) Bridging Generations Through AI Learning (56:24) Unleashing Creativity and Automating Business with AI 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! ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction 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. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

12-19

59:54

Wealth isn’t just about numbers—it’s about mindset, strategy, and adaptability. In this episode, John Smallwood, financial advisor and wealth-building expert, dives deep into the essentials of creating a flexible, long-term financial plan. Discover how to proactively navigate the complexities of wealth accumulation, adapt to changing incomes, and overcome fears that can derail your financial success. John shares practical advice on aligning your financial behavior with your goals and highlights why regular reviews are essential to staying on track. If you’ve ever wondered how to build wealth in a way that works for your unique journey, this conversation is a must-watch. Chapters (00:00) Intro (02:12) Comprehensive Wealth Building Strategies and Mindset (26:13) Adapting Financial Plans for Changing Incomes 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! ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction 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. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.