Money Isn't

What if your paycheck wasn’t enough to keep a roof over your head? In this episode of Money Isn’t, John Smallwood sits down with Carolyn Eyerman, Executive Director of Love Thy Neighbor, to uncover the realities of Monmouth County’s housing crisis and the incredible ways her organization is stepping in to help. Carolyn shares the moving story of a formerly homeless man who now gives back to others, the ongoing struggle of the working poor, and how Love Thy Neighbor is bridging the gap between faith and community action. From rental assistance to supporting isolated veterans and elderly individuals, this episode highlights the power of compassion and connection in creating lasting change. With nearly 5,000 requests served annually and a network of 145 churches and 45 community agencies, Love Thy Neighbor is making a measurable impact in lives and communities every day. Chapters: (00:00) Intro (04:06) Bridging Needs: Faith and Community Support (08:42) From Prayer to Community Action (19:19) Navigating Resources for Veterans (21:02) Community Event Highlights and Support for Vulnerable Populations (22:42) The Power of Connection: Supporting the Isolated Discover the hope, resilience, and humanity at the heart of Love Thy Neighbor’s mission. Visit their website to learn more: https://www.lovethyneighbornj.org 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.

Financial literacy isn't taught, it's earned. Watch Money I$n't and learn the insider baseball about how money works, how to plan, and how to start building wealth. This show shouldn't be free, but gatekeeping secrets is boring. So here's what money isn’t... Welcome to the Money I$n't podcast hosted by John L. Smallwood, CFP®. John is the President and Senior Wealth Advisor at Smallwood Wealth Management and has more than 30 years of experience in the field. He is the author of the best-selling book on Amazon 𝘐𝘵'𝘴 𝘠𝘰𝘶𝘳 𝘞𝘦𝘢𝘭𝘵𝘩 - 𝘒𝘦𝘦𝘱 𝘐𝘵, as well as 5 𝘞𝘢𝘺𝘴 𝘠𝘰𝘶𝘳 𝘞𝘦𝘢𝘭𝘵𝘩 𝘪𝘴 𝘜𝘯𝘥𝘦𝘳 𝘈𝘵𝘵𝘢𝘤𝘬 and has lectured extensively on wealth management. Like... Subscribe... and let us know in the comments what topics you want to hear John cover on the show! Learn more at smallwoodassociates.com or reach out at (800)797-1000 today. 𝘚𝘦𝘤𝘶𝘳𝘪𝘵𝘪𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘗𝘶𝘳𝘴𝘩𝘦 𝘒𝘢𝘱𝘭𝘢𝘯 𝘚𝘵𝘦𝘳𝘭𝘪𝘯𝘨 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴, 𝘔𝘦𝘮𝘣𝘦𝘳 𝘍𝘐𝘕𝘙𝘈/𝘚𝘐𝘗𝘊. 𝘗𝘶𝘳𝘴𝘩𝘦 𝘒𝘢𝘱𝘭𝘢𝘯 𝘚𝘵𝘦𝘳𝘭𝘪𝘯𝘨 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘢𝘯𝘥 𝘚𝘮𝘢𝘭𝘭𝘸𝘰𝘰𝘥 𝘞𝘦𝘢𝘭𝘵𝘩 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘔𝘢𝘯𝘢𝘨𝘦𝘮𝘦𝘯𝘵, 𝘓𝘓𝘊 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘢𝘧𝘧𝘪𝘭𝘪𝘢𝘵𝘦𝘥 𝘤𝘰𝘮𝘱𝘢𝘯𝘪𝘦𝘴.

In this special Veterans Day episode of Money Isn’t, we welcome Todd Wesche, an attorney dedicated to helping veterans navigate the complex VA system and secure the disability benefits they deserve. Todd reveals the hidden challenges veterans face—from battling stigmas around seeking support to overcoming the frustrating bureaucracy of the claims process. He sheds light on the powerful impact these benefits can have, not only financially but also for mental health and overall quality of life. With real stories and actionable advice, Todd empowers veterans to reclaim their rights, helping them understand disability ratings, bust myths around eligibility, and explore a wide range of benefits, from healthcare to financial assistance. This conversation serves as a practical guide for veterans, breaking down the VA system’s complexities to open doors for a better future. Chapters: (00:00) Intro (01:33) Navigating Veteran Benefits and Mental Health (05:30) Understanding Veterans’ Benefits (13:55) Understanding Disability Ratings for Veterans (17:48) Navigating More Military Disability Benefits (38:50) Unlocking Financial Potential from Disability Claims (40:26) Empowering Veterans: Accessing Benefits 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.

Ever wondered what it takes to turn a YouTube channel into a multi-million-subscriber powerhouse? Brady Edwards, former MrBeast Video Director and now CEO of BIGGEST AGENCY, joins the Money Isn’t Podcast to pull back the curtain on the strategies behind explosive digital content growth. From crafting the perfect video hook to building authentic audience engagement, Brady shares the real playbook for making money online without sacrificing your brand’s integrity. In this episode, Brady dives into his journey of building a YouTube brand from 25 to 75 million subscribers, breaking down the art of viral content strategy and why genuine audience relationships are the ultimate currency. You’ll learn the psychology behind those crucial first few seconds of a video, how to navigate sponsorship alignment, and the power of authentic storytelling as a monetization tool. Plus, Brady explores how creators can strengthen audience bonds through merchandise and brand building. Whether you’re a content creator looking to level up, a digital marketer, or a business leader eager to harness social media growth, this episode is packed with actionable insights to fuel your online revenue strategy. Chapters: (00:00) Intro (01:34) Navigating the Digital Content Landscape (17:51) The Psychology of Engaging Video Intros (19:35) Navigating Relevant Sponsorships in Influencer Marketing (21:11) Niche Skills and Branding in Content Creation (26:44) The Connection Between Creators and Their Audience (28:28) The Branding Landscape in Podcasting (41:41) The Pursuit of Growth and Authenticity Connect with Brady: Instagram: https://www.instagram.com/bradydeluxe BIGGEST AGENCY: https://www.instagram.com/biggestagency 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! ------------------------------------------------------------------ Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction Connect with Us On Social Media Instagram: https://www.instagram.com/smallwoodwealth LinkedIn: https://www.linkedin.com/in/john-l-smallwood Facebook: https://www.facebook.com/SmallwoodWealthManagement 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.

Are your retirement savings prepared for rising taxes? With tax law changes on the horizon, retirees could face significant tax risks. This episode breaks down proactive tax planning strategies to help protect your wealth and optimize your financial future before the 2017 tax cuts expire. We dive into the potential impacts of upcoming tax law changes and reveal simple, actionable strategies to safeguard your retirement from rising taxes. From understanding tax risks to choosing the right accounts, you’ll learn how proactive tax planning can help you stay in control of your financial future. Chapters (00:00) Introduction (02:15) Understanding the Impending Tax Law Changes and Their Impact on Retirees (18:18) Proactive Wealth Management Through Tax Planning With personal stories and a touch of humor, we’re making tax planning more relatable, insightful, and less overwhelming! Ready to take control? Hit LIKE, SUBSCRIBE, and share your thoughts in the comments. Got questions on tax planning? Drop them below—we’re here to help! ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. 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.

John Madsen, known as the "most hated man in fitness" for his controversial ads, didn’t need high school football to make it to the NFL—and he didn’t stop there. After his NFL career, he transformed his success into a $20M fitness business, Supra Human, focused on high-performance coaching for elite business leaders. In this episode, Madsen shares how he built Supra Human, his unique approach to fitness entrepreneurship, and why investing in health is critical for both longevity and financial success. This is more than a fitness story. It’s a masterclass in business mindset transformation, client psychology, and how Supra Human personally helped host John Smallwood transform his health. If you're looking to scale your business and improve your life through fitness, Madsen’s insights into fitness mindset shifts and longevity will challenge you to rethink what’s possible. Chapters: (00:00) Intro (02:21) From NFL Dreams to Financial Freedom (24:56) Tax Strategies for Individuals and Business Owners (26:32) The Struggles of Maintaining Weight Loss and Fitness (28:13) Scaling Success in Fitness Entrepreneurship (39:40) Pursuing Transformation and Longevity (43:21) Investing in Health and Longevity (56:24) Empowering Team Members for Business Growth 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! Check out John Madsen's YouTube Channel:  @iamjohnmadsen  ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. Connect with Us On Social Media • Instagram: https://www.instagram.com/smallwoodwealth • LinkedIn: https://www.linkedin.com/in/john-l-smallwood • Facebook: https://www.facebook.com/298893443562447 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.

Are you optimizing your bond investments in today's fluctuating market? In this episode of Money Isn't, John Smallwood dives deep into the intricate world of fixed income investments and explains how interest rate dynamics directly shape bond valuations. Discover the nuances of yield chasing and learn the best strategies for selecting the right bond maturity to suit your financial goals. John also highlights the importance of asset allocation in managing investment risks, ensuring stable retirement income even amidst fluctuating interest rates. Chapters: (00:00) Introduction Enjoyed this episode? Don’t forget to subscribe, hit the like button, and drop your thoughts in the comments. Stay tuned for more expert advice on mastering your investments and securing a solid financial future! ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. 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.

In this episode of Money Isn't, host John Smallwood sits down with William Lam, founder of UPGRD®, to discuss the power of breaking limiting beliefs and how advanced Neuro-Linguistic Programming (NLP) techniques can lead to financial freedom. Discover how shifting your money mindset can unlock higher cognitive abilities and create lasting wealth. They explore the impact of survival mode on your financial decisions, the importance of long-term vision in wealth creation, and how circulating money can lead to greater happiness. William shares strategies for integrating financial knowledge with practical actions, along with insights on educating future leaders through innovative approaches. Don’t miss this deep dive into transforming personal growth and financial empowerment! Chapters: 00:00 – Introduction 01:42 – Evolving Perspectives on NLP and Financial Integrations 07:20 – Transformative Journeys: From Limitations to Empowerment 26:18 – The Magic of Money in Modern Life 32:07 – Unlocking Longevity Through Technology and Education 38:26 – Transforming Education for Future Leaders 48:30 – The Importance of Long-Term Vision for True Freedom Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts! ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. 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.

In this episode of Money Isn’t, we explore how interest rate changes and inflation are shaping today’s economic landscape, directly influencing wealth management strategies and mortgage affordability. With interest rates currently at 5.38%, we dive into the real estate market dynamics, discussing how potential rate cuts could impact consumer behavior, create market rallies, and influence mortgage refinancing options. We also tackle the upcoming tax legislation risks, which pose significant challenges to retirees by reducing their disposable income and complicating financial planning. Whether you're navigating the complexities of tax changes or strategizing around economic uncertainty, this episode provides critical insights for safeguarding your financial future. Chapters: 0:00 Intro 1:05 The Ripple Effects of Interest Rate Changes 15:12 Navigating Interest Rates and Tax Risks in Wealth Management Understanding how interest rate changes and tax legislation impact mortgage affordability and retirement income is key to effective financial planning and wealth management. With economic uncertainty ahead, having a strategic plan in place is more important than ever. Enjoyed this episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don’t miss out on more insights into wealth management, tax risks, and navigating interest rate changes in today's economy. ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. 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.

In this episode of Money Isn’t, Dean Graziano joins us to dive deep into the complex world of Medicare, from enrollment to choosing the right Medicare Advantage and prescription drug plans. We explore the financial implications of Medicare Part B, Part D, and Medicare supplement plans, and how recent drug price negotiations aim to lower healthcare expenses for retirees. Understanding these aspects is crucial for retirement planning, helping you avoid costly Medicare penalties and out-of-pocket surprises. Learn why proactive healthcare planning and financial foresight are key to securing your medical future and saving on healthcare costs. Chapters: 0:00 Introduction 1:32 A Guide for New Beneficiaries 16:30 Navigating Medicare: A Comprehensive Guide 30:14 Medicare Advantage and Drug Price Negotiations 34:58 Medicare Savings and Economic Impact 40:40 The Importance of Proactive Healthcare Planning 43:01 Medicare and State Relocation 50:05 Effective Medicare Planning and Financial Peace of Mind Not enrolling in Medicare Part B can lead to significant penalties, and choosing the right Medicare Part D plan is essential to manage healthcare expenses effectively. Properly navigating Medicare supplement plans and making financial planning part of your retirement strategy can help you achieve financial foresight and peace of mind. Enjoyed this episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don’t miss future insights on Medicare, retirement planning, and how to save on healthcare costs! ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. 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.

In this episode of Money Isn’t, we explore how market volatility and consumer sentiment shape investor behavior, often leading to emotional reactions like panic selling during downturns. Discover why having a solid financial plan is crucial, especially during turbulent markets, and how you can create a strategic financial plan to safeguard your retirement security. Learn how to manage emotional investing and turn market corrections into opportunities rather than setbacks. Consumer sentiment significantly influences investment behavior, with emotions often driving poor financial decisions during market downturns. A well-structured financial plan helps investors stay disciplined and maintain focus amidst market fluctuations. By establishing a strategic financial plan, you can not only weather the storm but also seize investment opportunities during turbulent markets. This episode will empower you to take control of your financial future and ensure long-term retirement success. Chapters: 0:00 Introduction 7:34 Market Volatility: The Importance of a Solid Financial Plan 15:01 The Importance of Strategic Planning Deep Dives: The Role of Consumer Sentiment in Investment Decisions Understanding Market Volatility and Emotional Investing Establishing a Robust Financial Plan for Long-Term Success Don’t let market risk and fear dictate your financial choices. This episode provides valuable insights into how to navigate volatile markets with confidence, helping you stay on track toward your financial and retirement goals. 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! ------------------------------------------------------------------ Book an Appointment: https://oncehub.com/wealthcurvejourney Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. 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.

What If Everything You Thought About Success Was Wrong? Brian Pannuzzo Exposes the Real Path to Fulfillment You've Been Overlooking In this episode of Money Isn't, we sit down with Brian Pannuzzo a former Wall Street trader who seemingly had it all—until his relentless pursuit of career success nearly cost him his health and marriage. Now a high-performance coach, Brian helps driven corporate professionals transform their lives beyond the office. He shares his journey from a high-stakes trading floor to launching his wellness program, High Performance Health, empowering others to reclaim their mental, physical, and relational well-being. Discover how financial planning, personal reinvention, and growth intersect in this must-watch conversation! Chapters: (00:00) Introduction (05:56) The Impact of Gambling and Sports Betting on Personal Finances (08:44) Navigating Investment Psychology and Wealth Accumulation (21:21) Maximizing Corporate Benefits and Tax Planning for Financial Security (34:45) Opting for Adequate Insurance (40:27) Understanding the Benefits of Life Insurance and Financial Planning (01:06:41) Financial Advice and Maximizing Wealth Potential Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts! Don't miss future insights from Money Isn't! ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. 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.

Why do some people wait until they are old to consider life insurance policies? If this is you, this episode is crucial to listen to, and understand. In this episode of "Money Isn't" we explore the vital role of life insurance in wealth management, emphasizing the dangers of underinsurance. Discover various scenarios where life insurance acts as a safety net and a financial asset. Dive into strategic financial planning for retirement, considering critical factors such as inflation and healthcare costs. Learn how life insurance can bolster financial security during retirement, ensuring a stable and prosperous future. Chapters: 00:00 - Intro 01:08 - The Crucial Role of Life Insurance in Wealth Management 34:53 - Strategic Financial Planning for Retirement Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don’t miss out on future insights from "Money Isn't!"

Wealth management expert John Smallwood discusses transformative strategies and powerful affirmations for financial success with Robb Thompson on the Luminary Talks podcast. Topics include shifting to a millionaire mindset, maximizing wealth through strategic financial decisions, and navigating post-university challenges. Embracing passion in work, eliminating disliked tasks, and mastering the mindset for financial success are also highlighted. Chapters: (00:00) - Introduction (01:34) Journey to financial well-being (11:15) Shifting to a Millionaire Mindset through Investment 13:57 Maximizing Wealth Through Strategic Financial Decisions (30:51) Navigating Post-University Challenges (39:25) Embracing Passion in Work and Elimination Disliked Tasks (41:09) Mastering the Mindset for Financial Success 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! ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. Connect with Us On Social Media • Instagram: https://www.instagram.com/smallwoodwealth • LinkedIn: https://www.linkedin.com/in/john-l-smallwood • Facebook: https://www.facebook.com/298893443562447 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.

Why do so many professional athletes, despite earning millions, end up broke? Uncover the shocking financial mistakes that lead to their downfall. In this episode of "Money Isn't," we dive deep into the financial challenges that professional athletes face, from mismanaged contracts to poor spending habits that can lead to bankruptcy. Discover how these pitfalls occur and explore the diverse career paths within financial services that could make a difference. We'll discuss the critical role of financial literacy, the importance of building a trustworthy support network, and the necessity of long-term planning to secure a stable financial future. Whether you're an athlete or simply interested in finance, this episode offers valuable insights into wealth management and financial success. Chapters: 00:00 - Intro 13:08 - Navigating Financial Stability and Lifestyle Choices 15:40 - Wealth Management and Financial Literacy 23:29 - Navigating Financial Success for Athletes Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don’t miss out on future insights from "Money Isn't!" ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. Connect with Us On Social Media • Instagram: https://www.instagram.com/smallwoodwealth • LinkedIn: https://www.linkedin.com/in/john-l-smallwood • Facebook: https://www.facebook.com/298893443562447 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.

Dive into the challenges of market volatility and its historical context. Discover how psychological factors shape investor behavior during downturns. Gain insights into the importance of maintaining a long-term financial plan amidst chaos. Learn about the power of diversification and discipline over emotional decision-making. Explore the emotional rollercoaster investors face and the strategies to navigate through instability while maintaining positive returns. (00:00) Intro (05:53) Navigating Market Volatility: Financial Strategies for Long-Term Success (13:38) Navigating Market Turbulence: Investor Psychology and Historical Insights (16:00) Market Volatility and Emotional Investing

Unlock the secrets to strategic tax planning and choosing the right business entity in this episode of Money Isn't! Discover how your choice of business structure can significantly impact your taxation and liability protection, and learn the key differences between pass-through entities and C corporations. Whether you're aiming for long-term growth or a quick sale, this episode offers valuable insights into tax optimization strategies that can save you millions. Host John L. Smallwood breaks down the importance of selecting the proper business entity as your company scales. From understanding the benefits of a C corporation under Section 1202 to navigating potential tax law changes, this episode is packed with actionable advice for business owners at every stage. The right business entity can significantly impact taxation and liability protection, crucial for business growth. Selling as a C corporation can provide up to $10 million in tax-free benefits under Section 1202. Deep Dives In This Episode: (1) Choosing the Proper Business Entity: Learn how to evaluate different business structures like S corporations, LLCs, and partnerships, and understand their tax and liability implications. (2) Benefits of a C-Corporation for Quick Sale: Discover how organizing as a C corporation can offer substantial tax-free benefits for business owners looking to sell quickly. (3) Tax Optimization Strategies for Business Owners: Explore efficient tax planning strategies, including qualified business income deductions and minimizing taxation on profits. Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights on Money Isn't! ------------------------------------------------------------------ ➤ Book an Appointment: https://meetme.so/smallwoodwealth ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. Connect with Us On Social Media • Instagram: https://www.instagram.com/smallwoodwealth • LinkedIn: https://www.linkedin.com/in/john-l-smallwood • Facebook: https://www.facebook.com/298893443562447 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.

Ready to unlock the secrets of a maximum wealth plan? Discover how aligning your mindset with strategic financial goals can open doors to unparalleled opportunities and long-term security. Join John L. Smallwood on this week's episode of Money Isn't as he reveals the blueprint for achieving financial success through a maximum wealth plan. Learn how to maximize your savings rates, understand the critical importance of maintaining robust cash reserves, and explore the necessity of umbrella liability insurance to safeguard your assets. John also shares strategies for ensuring long-term wealth and security by balancing financial goals with lifestyle choices. John emphasizes the transformative power of a maximum mindset in reaching the full potential of a wealth plan. He highlights the importance of aligning financial decisions with personal objectives, whether it involves entrepreneurship or climbing the corporate ladder. This episode is packed with unique insights on creating a tailored wealth strategy, ensuring comprehensive financial protection, and planning for a secure future. Chapters: 00:00 Introduction 02:18 Maximizing Wealth Through Strategic Financial Planning 13:50 Financial Planning, Home Purchases, and Cash Reserves 16:19 Protecting Assets with Umbrella Liability Insurance 21:27 Ensuring Long-Term Wealth and Security 29:08 Balancing Financial Goals and Lifestyle Choices for Long-Term Security Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights with John L. Smallwood on Money Isn't! ------------------------------------------------------------------ Click Here To Book An Appointment or call (800) 797-1000 for a 30-minute no-cost introduction. Click Here To Join Our Next Webinar Connect with Us On Social Media Instagram | LinkedIn | Facebook 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.

Join us on Money Isn't as we dive into the thrilling world of crypto trading with expert trader Matthew Mery. In this episode, Matthew shares his rollercoaster journey from a finance student to a full-time crypto trader, recounting the highs and lows of leverage trading. Discover how emotions impact trading decisions, the latest trends in the evolving crypto market, and effective strategies for investing in different types of coins. Matthew also explores the security of blockchain technology, the growing participation of institutional investors, and the influence of social media on entrepreneurship. Learn how to monetize your passions and navigate the ever-changing landscape of crypto trading with insights from someone who has experienced it all. This episode is packed with valuable advice for anyone looking to succeed in the dynamic world of cryptocurrency. Chapters: 00:00 Introduction 03:37 Crypto Trading and Leverage: A Rollercoaster Ride 10:50 Overcoming Emotions in Trading and Business Decisions 12:26 Exploring the Evolution and Opportunities in the Crypto Space 23:52 Strategies for Cryptocurrency Investing 40:36 Exploring Blockchain Technology and Crypto Trends 43:43 Journey to Success in Crypto Trading 52:39 Navigating the Ever-Changing Landscape of Crypto Trading and Entrepreneurship 01:07:55 Monetizing Passion through Curiosity and Determination Enjoyed the episode? Make sure to subscribe, and leave a comment with your thoughts. Don't miss out on future insights on Money Isn't! ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: https://smallwoodassociates.com/events/#webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. Connect with Us On Social Media • Instagram: https://www.instagram.com/smallwoodwealth • LinkedIn: https://www.linkedin.com/in/john-l-smallwood • Facebook: https://www.facebook.com/298893443562447 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 are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211. Purshe Kaplan Sterling Investments 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.

Licensed advisors from Smallwood Wealth Management discuss the importance of protecting your ability to work. They go over the statistics of disabilities in the workforce, and the significance of having disability insurance coverage for financial plans. Chapters: (00:00) - Introduction (01:05) - Your Most Important Asset (05:55) - Live Wealth Curve Visualization (11:40) - Smallwood Wealth Example Tool (15:40) - When Disability Isn't Needed 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! ------------------------------------------------------------------ ➤ Book an Appointment: https://oncehub.com/wealthcurvejourney ➤ Join Our Next Webinar: http://smallwoodwealth.com/smallwood-webinars ➤ To talk to a Financial Advisor call (800) 797-1000 for a 30-minute no-cost introduction. Connect with Us On Social Media • Instagram: https://www.instagram.com/smallwoodwealth • LinkedIn: https://www.linkedin.com/in/john-l-smallwood • Facebook: https://www.facebook.com/298893443562447 • Twitter: https://twitter.com/smallwoodwealth 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 are offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211. Purshe Kaplan Sterling Investments 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.