Retire As You Desire

In this episode, we delved into the topic of finding the perfect place to retire in the great state of Illinois. As a retirement income planning expert based in Chicago, I shared valuable insights on the best and not-so-great places to consider for retirement in Illinois. We began by highlighting the advantages of retiring in Illinois, such as the lack of taxation on retirement distributions, making it a financially appealing option for retirees. The state's diverse economy, strong job market, and top-ranked universities contribute to its appeal for retirees seeking a vibrant lifestyle. Discussing specific cities, we explored the benefits of living in Chicago, known for its cultural richness, world-class museums, and vibrant neighborhoods. We also touched on the affordability and quality of life in cities like Springfield, Peoria, and Rockford, offering a mix of urban and suburban living. Moving on to the most expensive cities in Illinois, we highlighted areas like Chicago, Evanston, and Naperville, known for their high cost of living driven by factors like housing prices and property taxes. We also discussed the importance of considering safety, community, and healthcare facilities when choosing a retirement location. Exploring the happiest city in Illinois, Aurora, and the top income earners in the state, we provided a comprehensive overview of the diverse options available for retirees in Illinois. Additionally, we discussed the trend of residents moving to cities outside of Illinois, such as Phoenix, Dallas, and Los Angeles, for various lifestyle preferences. In conclusion, we emphasized the significance of property taxes, cost of living, and retirement income planning in making informed decisions about where to retire. By working with retirement income professionals, individuals can create a tailored retirement plan to ensure a fulfilling and financially secure retirement in Illinois. Join us every Friday night for more insights on retiring as you desire. Thank you for tuning in to the Retire As You Desire show! TIMESTAMPS: 00:00:00 - Introduction to Retire As You Desire Show 00:11:35 - Discussing Affordability in Retirement Locations 00:23:13 - Exploring Most Expensive Cities to Live in Illinois 00:36:03 - Factors to Consider Before Retiring in Illinois 00:40:44 - Highlighting Low Cost of Living Areas in Illinois 00:43:19 - Insights on Top Income Earners in Illinois 00:44:02 - Popular Migration Destinations from Illinois QUOTES: "Freedom is a beautiful thing." - 00:00:32 "Chicago is the state's largest city. Most people know this. It's a pretty major financial hub." - 00:02:30 "It's doing the things you love with the people you love when you want to do them." - 00:00:32 "If you're having your kids in Chicago, you have DePaul, you have UIC, you have so many different opportunities to get a great education in the city while living in the city." - 00:03:45 "The cost of living in Springfield is below the national average, which is a good thing for retirees." - 00:14:51 "It's a more expensive place to live these days." - 00:26:22 "The cost of living in Evanston is high, and it's high because of the housing market and the property taxes." - 00:27:47 "The cost of living there is more expensive than Chicago suburbs because of the property taxes." - 00:30:28 "The cost of living there is pretty high, but that's driven by all the housing prices and property taxes." - 00:31:42 "The cost of living there is more expensive, but that's driven by the housing prices and property taxes." - 00:33:52

In this episode, we delved into the dangers of retirement, focusing primarily on the fear of running out of money, which is the number one concern for retirees. Throughout the episode, we explored various factors that contribute to this fear and discussed strategies to plan for a secure retirement income. We began by highlighting common retirement dangers such as health care costs, loneliness, and loss of purpose. Emphasized the importance of planning for income in retirement, addressing the prevalent fear of financial insecurity. Discussed the significance of tracking spending and investing wisely to avoid financial pitfalls in retirement. Explored the impact of market fluctuations on retirement income and the need for prudent withdrawal strategies. Provided insights into the decision-making process for starting Social Security benefits early or delaying them. Advised on pension options, including lump sum withdrawals and annuities, to optimize lifetime income. Advocated for working with fiduciary advisors to create a robust retirement income plan. Suggested timing major purchases before retirement to minimize tax implications and preserve retirement funds. Encouraged listeners to seek professional guidance in crafting a personalized retirement income plan. Invited audience engagement and offered complimentary retirement income planning services to help ensure a financially secure retirement. Tune in to the Retire As You Desire show every Friday at 6 p.m. Central Standard Time for more insightful discussions on retirement planning and financial security. Thank you for joining us on this journey towards a fulfilling retirement! 00:00:53 - Introduction to Retirement Dangers00:02:50 - Planning for Income in Retirement00:05:17 - Common Retirement Dangers00:12:53 - Average Retirement Savings in America00:24:54 - Debunking the Fear of Running Out of Money00:36:54 - Strategies for Planning Lifetime Income "Over 70% of retirees are going to need some form of care in retirement." - (00:01:36-00:01:46) "If you want to live a long life, having community, having great people around you, is going to give you a sense of purpose." - (00:01:57-00:02:07) "It's really a big struggle for people to transition from their working years directly into their retirement years where every day is a Saturday." - (00:02:18-00:02:28) "If you run out, guess what you don't get to do? The fun things, the play checks." - (00:04:56-00:05:06) "Not knowing your capacity to spend versus investing each month is a big problem." - (00:07:28-00:07:38) "If you don't plan for proper income up front before you retire, things get difficult." - (00:07:49-00:07:59) "It's very true that people have issues before retirement, during retirement, and even when you're 10 or 20 years into retirement, to be worried about money." - (00:04:45-00:04:55) "It's really tough." - (00:05:06-00:05:17) "It's a big one." - (00:47:38-00:47:48) "The Retire As You Desire show is all about giving you great ideas and great feedback on how to live the best life you want in retirement." - (00:47:49-00:47:59) Understanding Retirement DangersManaging Retirement IncomeDecoding Social Security and PensionPlanning for Lifetime IncomeConclusionTimestampsQuotes

Delve into the four phases of retirement with Bill Bloom and discover how to make the most out of this significant life transition. Episode Summary: Phase One: Discover why every day can feel like Saturday in retirement and how to embrace the newfound freedom. Phase Two: Learn about the challenges retirees face, including loss of routine, identity, relationships, purpose, and power. Phase Three: Explore the importance of trying new activities, eliminating negativity, and setting up "playchecks" for enjoyment. Phase Four: Uncover the magic of finding purpose, engaging with the community, and living a fulfilling retirement life. Join Bill as he shares stories, insights, and tips to help you navigate each phase of retirement with confidence and joy. Share this episode with your friends and family to spread the wisdom and positivity! For more retirement insights and to suggest future topics, reach out to us at Bill@bloomfinancial.us.

Episode Summary: In this episode, we delve into the financial challenges faced by entrepreneurs and the importance of strategic saving and investing for a secure retirement. The host shares inspiring stories and lessons learned to help listeners avoid common pitfalls. Key Takeaways: The impact of compounding interest on long-term savings. The significance of making investing a monthly priority. Common mistakes entrepreneurs make with their finances. Strategies for financial education and proactive money management. Timestamps: 00:00 - Introduction Welcome back to the show and discussion of entrepreneurs' giving nature. 00:22 - The Financial Blind Spot of Entrepreneurs Most entrepreneurs lack awareness of where their money goes. 00:50 - Financial Education Gaps Society’s focus on debt rather than wealth-building. 01:34 - Client Story: Life Insurance Case A client's struggle with prioritizing a life insurance policy over luxury spending. 02:06 - Big Spending vs. Family Protection Contrast between spending on status symbols and protecting one's family. 03:10 - Friend's Financial Revelation A friend's earnings vs. actual profit and the importance of automatic investing. 04:21 - Spending on Non-Essentials The impact of spending on non-essentials like trampolines on future investments. 05:35 - The Challenge of S-Corps A successful entrepreneur’s reluctance to withdraw funds for retirement. 06:45 - Importance of Two Sets of Books Recommendations for managing business finances and personal investments. 08:00 - The Entrepreneurial Mindset The struggle between running a business and securing financial future. 09:30 - Creating a Retirement Plan Strategies for setting up automatic savings and investments. 10:50 - Conclusion Final thoughts on the importance of proactive financial planning for entrepreneurs. 11:21 - Call to Action Invitation to tune in weekly and reach out with financial questions. Contact Information: Email your questions to: [Host Email] Visit us at: [Website URL] Don't Miss: Tune in every week for new episodes, interviews, and insights to help you secure your financial future!

So this gets very complicated because in 20 years from now, who knows what the cost of college will be? We can guess. But it's been one of the fastest growing costs perspectives in the United States over the past 30 years, and not to mention some of our clients and some of the people who we work with. They didn't go to college and they've been able to save millions of dollars. So they don't really believe in college. And some people say, you know what, I want to have money set aside for my grandkids. If they want to go to college. So I'm going to give you some really great ideas today to help you save and plan for your grandchildren's future. So here's idea number one. It's a traditional way of doing things.

Retirement planning, particularly when it involves deciding when to take your Social Security, is a critical aspect of securing financial stability in one's later years.  For those approaching retirement age and considering when to start receiving Social Security benefits, there are numerous factors to weigh up and decisions to make.  In this comprehensive guide, we'll delve into the intricacies of retirement planning if you are taking Social Security soon, examining the advantages of:  Early versus delayed benefits Tax considerations Strategies for optimizing your retirement income

Are you concerned about how you're going to set up your income payments in retirement? It can feel daunting going from a regular salaried income pattern, to relying on social security and investment income. But don't worry! There are lots of strategies at our disposal to help make the transition seamless! Find out more at: https://www.bloomfinancialco.com/

Welcome to the Retire As You Desire podcast, where we empower you to take control of your financial future. In this episode, we're diving into three crucial questions you should be asking your financial advisor. But first, don't forget to subscribe to our YouTube channel for valuable educational content! Question number one: What's your financial advisor's net worth? It's not about comparing, but understanding if they're managing their own finances effectively. After all, if they can't handle their own money, how can they manage yours? Question number two: Where do they invest their own money? Transparency is key here. You want to align your investments with your advisor's approach and ensure they're walking the talk. Finally, question number three: Which products do they avoid, and why? A true fiduciary considers all options to best serve your needs. Beware of advisors who limit themselves to certain products without considering the full spectrum. Join us as we navigate the world of finance together, providing valuable insights to help you retire as you desire. Don't forget to share this episode with your friends and family to spread financial literacy and empowerment. Remember, we're here to help you achieve your financial goals!

Four Red Flags: How to Identify a Trustworthy Financial Advisor The business of personal finance can be daunting, especially when it comes to entrusting your hard-earned money to a financial advisor. Making the wrong decision is fraught with peril, considering the array of investment options and the potential for financial mismanagement.  It’s your hard earned cash on the line! So what can you do to identify a trustworthy financial advisor? In this blog, we'll explore the four red flags that serve as warning signs before partnering with a financial advisor. By understanding these indicators, you can confidently seek a professional who aligns with your financial goals and prioritizes your interests. 1. "No" Syndrome: The first red flag is when a financial advisor adamantly advises against specific financial products, be it annuities or mutual funds. While certain investments may not suit everyone, a one-size-fits-all approach is seldom in the best interest of the client. How to Find a Good Financial Advisor: Look for advisors who operate under fiduciary standards. Fiduciaries are obligated to consider a wide range of products and tailor their recommendations to individual client needs. A refusal to explore certain options may indicate a lack of commitment to your financial well-being, but it also constitutes a dereliction of duties.  Walk away! 2. The Cookie-Cutter Approach: Another warning sign is the adoption of a rigid, one-dimensional methodology. If your financial advisor insists on a singular approach, such as exclusively setting up traditional IRA accounts or favoring a particular investment product, it again raises concerns about their fiduciary responsibility. How can they be looking out for your best financial interests, if they take no interest in your financial interests? In other words: they need to tailor your investments, to achieve your particular goals. Not someone elses!  A trustworthy advisor should customize your investment strategy based on your unique financial situation, goals, and risk tolerance. A cookie-cutter approach often overlooks individual nuances, potentially compromising your financial success. 3. Co-Mingling Investments: Pooling client investments with those of the advisor is a practice that raises eyebrows. While having similar types of investments is common, replicating the same portfolio for all clients can lead to conflicts of interest and price manipulation. Ensure your advisor maintains transparency regarding investments and doesn't concentrate all clients into identical funds. This practice could compromise the integrity of your portfolio and may not align with your personalized financial objectives. We wouldn’t dream of doing that for our clients here at Bloom Financial. How can I be making objective decisions about your finances, if I have a personal vested interest in the outcome? 4. The Silent Treatment: The most crucial red flag is if an advisor fails to listen to your concerns, preferences, and risk tolerance. A financial advisor's role is not just about managing money but understanding your financial aspirations and tailoring strategies accordingly. If you a talking to a prospective financial advisor, and they are showing signs of apathy towards your brief: walk! . The right advisor should actively listen, consider your feelings, and craft a plan that resonates with your financial goals. Conclusion: Selecting a financial advisor is a pivotal decision that requires careful consideration. Trusting someone with your money is a big decision and not one that you should take lightly.  By identifying these four red flags, you empower yourself to make an informed choice. Seek a financial advisor who operates under fiduciary standards, embraces a customized approach, avoids co-mingling investments, and, most importantly, listens to your unique financial needs. Don't settle for less – your financial future deserves a dedicated advocate who values your goals as much as you do.

I found $4200 in savings, in just 30 minutes!! Here's how... This was a really simple exercise. What I did is I opened up my phone, opened up my bank credit card, and then I went through all my transactions. And I looked at the things that I'm not using. It was simple as my Sirius XM. I had a couple of different memberships for technology that I'm not using anymore So what I did is I canceled all of them. It only took me less than 30 minutes. So it's really simple. But when I added everything up, it equated to an extra $4,200 of extra money as I found money every single year. So think about that. If you could take that 40 $200 that you're not spending any more and invest in that, it's a huge win.

Title: Watches Are NOT Investments: Beyond The Fads and False Numbers Introduction: In the sometimes ‘mirky’ world of investments, the allure of unconventional assets can be tempting, especially when the likes of the Wall St Journal boast about watches outperforming the stock market.  However, as we will discover, the truth behind such claims may not be as promising as they appear. For the discerning professional seeking robust investment vehicles, this blog aims to shed light on the pitfalls of fad commodities and advocate for a more informed approach. Unmasking the Illusion: Many prominent publications annually tout the outperformance of watches compared to the stock market. It's an attention-grabbing headline that might have led some to consider certain luxury timepieces as a viable investment option. However, it's crucial to understand that not everything that glitters is gold. The Reality of Watch Investments: Let's break down the scenario presented in the report. If one were to purchase a $10,000 Rolex and, through secondary market dynamics, its value increases to $15,000, you’d assume that you could look forward to a $5,000 profit. However, after factoring in taxes, the $10,000 watch could realistically translate to $11,000. Moreover, attempting to sell this watch to a secondary market dealer means you’re not going to get the full market value. They have to make a profit after all. The dealer's offer may hover around $11,000 or $12,000. This discrepancy between perceived value and actual return underscores the importance of due diligence before leaping into trendy investment avenues. And sure, you could attempt to sell the watch to the end-user yourself. Invariably though, you’ll end up wanting to advertise it online, via a reputable platform (to avoid scammers and time wasters) and that will come with a hefty advertising fee, shipping costs and the risk of posting high value items.  Diversification: Beyond Watches and Wall Street Hype: As a seasoned professional, it's imperative to consider diversifying your investment portfolio beyond the conventional choices of stocks and real estate. While the allure of watches may seem enticing, there are more prudent options that warrant serious consideration. When one looks at the value of watches on the secondary (or ‘Grey’) market, in recent years they have proven to be something of an unstable commodity. Certain hype models rocketed in value during the pandemic, but have since halved in value and continue to drop.  The same has been true of Bitcoin, and while yes: there are huge gains to be made overnight, the inherent volatility that comes with it, is not worth the gamble with a significant proportion of your investments.  Roth IRA: A Strategic Investment Approach: One such avenue deserving attention is the Roth IRA. Rather than succumbing to the appeal of quick profits, channeling your capital into a Roth IRA can offer a strategic and tax-efficient alternative.  Even if this is not your only source of investment, you should consider it for a significant proportion.  Research: The Cornerstone of Informed Investing: Before deploying your capital into any investment, be it watches or Roth IRAs, diligent research is non-negotiable. The seductive headlines may grab attention, but a discerning investor delves deeper. Understand the intricacies of the investment vehicle, weigh the risks and rewards, and align it with your long-term financial goals. Conclusion: Get Your Money Right In the dynamic world of investments, it's crucial to look beyond the surface and critically assess the opportunities presented. Remember, getting your money right is not just about avoiding the pitfalls; it's about making choices that withstand the test of time. We are talking about being able to retire after all, which requires a considered approach to risk.  As you navigate the investment landscape, let wisdom, research, and a forward-looking approach be your guiding principles.

OK so I know that this is a strange topic for the host of the ‘Retire as You Desire’ podcast to be talking about, but believe it or not; there are a multitude of reasons why you shouldn’t retire! Retirement is often hailed as the golden age. A time to live life on your terms. What this tends to translate as though, is; stop working, play golf and shuffle off this mortal coil in short order.  I want to challenge this outdated, conventional notion of retirement and offer you three reasons why one might want to reconsider the notion of stopping work altogether. It really depends on your relationship to your professional life and how well integrated it is with your dreams, goals and aspirations.  1. Alignment of Purpose If your profession is not just a means to an end but a passion, quitting abruptly might not be the best move. I preach all the time that you should retire as you desire, however,— if your purpose is deeply tied to your work, you probably won’t want to just go “cold turkey” once your retirement fund reaches maturity.  Why? Because work, for some, is not merely a way to make ends meet. It's a source of fulfillment, a reason to leap out of bed each morning. If your passion aligns with your work, and you've built something that fuels your drive, hitting the brakes on it might lead to an unexpected void. Your money is set up, and that's freeing in and of itself. If you know your income streams are set up in retirement, that gives you the opportunity to really be the buyer and say; “I want to keep working because I love doing what I do.” In essence, retirement doesn't have to be an ‘all-or-nothing’ game. It can be a gradual transition. A slowing down of work hours, allowing you to savor the joy your work brings while maintaining control over your time. 2. Freedom to be of Maximum Service "Get your money right. Get your income streams set up” The second reason not to retire lies in the power of passive income. Retirement doesn't mean a complete cessation of income; it's about shifting from active to passive income streams. By setting up passive income sources, you gain financial freedom. This financial stability doesn't just afford you the luxury to retire when you desire; it allows you to dictate the terms of your retirement. You become the architect of your life, deciding when to clock out and stop working. As a result: you’ll be able to make choices based on where and to whom you’ll be of maximum service, rather than which choices will earn you the most money. Not only will this bring you greater fulfillment, but (ironically) it will boost your authority and enable to you put a greater premium on your time.  3. You’re not Ready! Just because your company/pension provider/convention is telling you that you’re of an age to retire, that doesn’t mean necessarily that you’re ready to! The goal should always be to retire on your terms. Set up, your income, always get that aligned. So then that way you're in control. The other side of that is, you might not have enough in your pension pot to support the kind of retirement life you’re seeking. Don’t take the leap until everything is in place, or you could find yourself in trouble down the road. In conclusion, retirement isn't a one-size-fits-all concept.  Retirement shouldn't be a forced exit; instead, it should be a conscious choice, a decision made when everything is aligned. By having your income streams set up and aligned with your goals, retirement transforms from a distant dream to a tangible reality. The key isn't to retire early or late, but to retire as you desire, ensuring that the next chapter of your life is as fulfilling as the one that precedes it.

Are you feeling suffocated by the burden of debt, preventing you from achieving your financial goals? I've been there, grappling with over $54,000 in student loan debt. In this comprehensive guide, I'll walk you through a systematic and efficient approach that propelled me to financial freedom in just three years. Step 1: Confront Your Financial Reality Before we dive into the intricacies of debt reduction, grab a pen and paper.  Sorry, I know this is probably the hardest part, but it's time to face your financial reality. You can not chart a course for a destination, without first knowing where you are.  So…list down every form of debt Credit cards Auto loans Mortgage  Student loans  Personal loans But don't stop there. Go deeper!  Note the type of debt, the interest rate, and your monthly payment amount. This meticulous understanding forms the bedrock of your journey to financial liberation. Step 2: Identifying the Debt Beast Now, let's identify the ‘debt beast’ – the one devouring the most of your hard-earned money through interest.  This is a step many overlook, not realizing that high-interest rates are silently eroding their financial foundations. Prioritize tackling the debts with the highest interest rates.  Whether it's a menacing 30% credit card or an 8% student loan, focus on the ones bleeding your wallet the most. Step 3: Unleashing the Snowball Effect This is where you get really strategic and enter the realm of the snowball effect – a financial magic trick.  Imagine triumphantly paying off that 30% credit card.  Don't rest on your laurels!  Take the monthly payment you've just freed up – let's say $500 – and unleash it on your next highest interest rate debt.  This compounding effect accelerates your debt payoff. Rinse, repeat, and watch your debt evaporate. Bonus Tip: Strategic Use of Windfalls Back in 2008, armed with this strategy, every work bonus became a powerful weapon in my arsenal against debt. If your workplace offers bonuses, strategically deploy them!  It doesn’t have to be a work bonus, it could be any form of additional income. I know it’s very tempting to  Windfalls, when used wisely, can significantly expedite your journey to a debt-free life. Tools for Success: Introducing Diane Money Feeling lost or wish you had a personalized plan?  Enter Diane Money, a revolutionary app designed to analyze your debt and craft a tailored path for efficient and aggressive debt reduction.  No more confusion, no more guesswork – just a clear roadmap to financial freedom. Navigating the Complexity: A Closer Look at Diane Money Diane Money serves as your financial GPS, navigating the complex terrain of debt reduction with precision.  The app dives deep into your financial landscape, considering interest rates, debt types, and monthly payments. It then formulates a customized plan, showing you a clear path forward. The Diane Money Advantage: A Personalized Roadmap Imagine having a personal financial advisor available 24/7. Diane Money provides just that. By considering your unique financial situation, the app creates a step-by-step plan, breaking down which debts to tackle first for maximum impact. It's like having a financial mentor in your pocket. Building Mindset Momentum: Celebrating Small Wins Your mindset around debt is probably the single most important factor at play. If you see your current debt situation as an unscalable mountain, you’ll never take that first step.  This is why you need to set out a clear roadmap (with DianeMoney) and then celebrate every single step you take in the direction of your desired outcome.  Each paid-off debt becomes a victory, fueling your motivation to tackle the next one. Not only that, but it is evidence to your subconscious that you can achieve a debt-free life! 

What if you could shift your financial destiny with only $35 a week? Our latest guest, bestselling author Daniel White, is here to show you how. Daniel's newest book, Financial Freedom System, is as interesting as it is inspiring - born out of a personal journey of overcoming financial stress and finding a new approach to money that put him first. He unveils his concept of building a strong financial foundation, an idea sparked from a simple prayer and a vision of an airplane. He didn't let the stress of his five-year business milestone with little to show for it, and a mountain of debt weigh him down. Instead, he used this setback as a launchpad to create a system that has since transformed lives.   About Daniel White: After living paycheck to paycheck for years with increasing debt, Daniel struggled with soul-destroying fear and anxiety. In 1999, he started praying. God answered him and gave clear instructions that forever transformed his life and finances. Now you, too, can benefit from this life-changing process.    Since 1994, Daniel White has been an energetic consultant and spiritual healer, helping clients in over forty countries to overcome negative energetic and spiritual influences and create better futures for themselves, their families, their homes, and their businesses. He is recognized internationally for his unique intuitive gifts and is a sought-after consultant and speaker.   Learn more about Daniel: Website: https://danielwhitecoaching.com/   Grab a copy: https://amzn.to/3XLdP8c Show notes: [0:32] What is his book all about? [1:35] Why is intuition the leading indicator and not the dollars? [2:30] What was the process of following his intuition look like for Daniel? [10:40] How his system helped people [13:47] Is intuition the number one thing we should pay attention to in life? [16:09] What about the jar? [18:50] Why is three years the sweet spot for the process? [20:53] How often should people update their accounts? [22:44] How do you know you’re following your intuition? [25:30] How important does energy play in this? [27:22] Where can people get the book? [29:03] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.

What if you could unlock your highest potential and create a meaningful legacy? Join us as we sit down with the extraordinary Dr. Jeff Spencer, whose journey from aspiring Olympic cyclist to a world-renowned coach and mentor has taught him the secret to crafting the path forward for others to succeed. In this powerful conversation, Dr. Spencer shares the impact of three angels in his life who shaped his mindset, creativity, and perspective. Discover the game-changing concept of 'goal guess' and learn how having the right goal, motive, and mindset is crucial for success. Plus, explore the importance of preparation, hyper-focus, and peripheral gaze when it comes to achieving your goals. Don't miss this opportunity to connect with Dr. Jeff Spencer and apply his invaluable insights to your own life. About Dr. Jeff Spencer: At seven, he committed to becoming an Olympic cyclist. At twenty-one, he competed in the Olympics. Soon after, he realized that helping exceptional performers tap into their highest potential was as equally satisfying to him as competing and winning himself. Ever since he has coached top-tier performers into Elite Performers. He has changed their habits, strengthened their minds, and gave them the tools to consistently deliver at the height of their games. Connect with Dr. Jeff Spencer: https://www.drjeffspencer.com/ https://get.havecustomersforlife.com/… jeff@drjeffspencer.com    Show notes: [1:02] Being able to work with the highest-level collaborators on the planet  [2:10] Having three angels in his life [9:03] Crafting a path forward for others to see their talents and unique gifts [11:54] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.

In this episode, Bill engages in a conversation with Kelly Cardenas, who is not only his close friend but also an accomplished author, podcast host, speaker, and the visionary behind Kellycardenas.com. The focus of their discussion revolves around Kelly's audiobook, "Success Leaves Clues," as they delve into the motivations that drove him to create it. Additionally, they reminisce about their initial encounter, reflect on the significance of their friendship, and offer glimpses into their respective personal experiences.  Kelly Cardenas is a Forbes contributor, Author, Podcaster, Founder-CEO of a National multi-million dollar Brand, and a Cultural efficiency Coach. Cardenas is the go-to when it comes to constructing a CULTURE that will have sustained success in all aspects of your business. He believes that building an iconic Brand, Business, and Empire is a simple process once we start to focus on what really matters. Cardenas’ system zeros in on the heartbeat of any organization—PEOPLE! Connect with Kelly: Website: https://www.kellycardenas.com/ LinkedIn: https://www.linkedin.com/in/kelly-cardenas-78613763/ Get his audiobook: https://www.kellycardenas.com/#book Listen to his podcast: https://www.kellycardenas.com/#podcast   Show notes: [0:16] What does retiring as he desires to mean to Kelly? [2:57] Where to find Kelly and what’s new for him [6:10] What’s Bill’s advice for people about retiring as they desire? [17:40] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.  

In this episode, Bill engages in a conversation with Kelly Cardenas, who is not only his close friend but also an accomplished author, podcast host, speaker, and the visionary behind Kellycardenas.com. The focus of their discussion revolves around Kelly's audiobook, "Success Leaves Clues," as they delve into the motivations that drove him to create it. Additionally, they reminisce about their initial encounter, reflect on the significance of their friendship, and offer glimpses into their respective personal experiences.  Kelly Cardenas is a Forbes contributor, Author, Podcaster, Founder-CEO of a National multi-million dollar Brand, and a Cultural efficiency Coach. Cardenas is the go-to when it comes to constructing a CULTURE that will have sustained success in all aspects of your business. He believes that building an iconic Brand, Business, and Empire is a simple process once we start to focus on what really matters. Cardenas’ system zeros in on the heartbeat of any organization—PEOPLE! Connect with Kelly: Website: https://www.kellycardenas.com/ LinkedIn: https://www.linkedin.com/in/kelly-cardenas-78613763/ Get his audiobook: https://www.kellycardenas.com/#book Listen to his podcast: https://www.kellycardenas.com/#podcast Show notes: [0:00] Intro [0:56] How did Bill and Kelly meet? [1:44] His audiobook, Success Leaves Clues [5:47] On raising his kids [9:04] Where do Kelly’s best life ideas come from? [13:29] The Hideout [21:07] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.  

Purchasing a home plays a pivotal role in fulfilling the American Dream. Yet, the decision to buy or rent is a crucial one that carries implications for your financial well-being, lifestyle, and personal aspirations. In the present scenario, Bill engages in a conversation with his close friend Tony Perri Jr., who holds the position of Producing Branch Manager at HomeTown Lenders. They engage in a discussion about the process of acquiring properties and stay updated on the latest developments in the mortgage industry. Moreover, Tony generously offers some valuable advice for individuals aspiring to become homeowners. Tony Perri Jr. is an experienced Operational Specialist with a demonstrated history of working in the mortgage industry. Having over a decade of experience in the real estate & finance world has successfully found a way to turn a passion into a profession. Maintains a relentless pursuit of productivity and integrity and sets customers on the long-term path to financial success. Draws from a wealth of knowledge obtained from having held various roles as a mortgage professional, from a file opener to a closing specialist— a steady & strong advocate for both customers and employees.   Connect with Tony at: Website: https://www.applywithjr.com/ LinkedIn: https://www.linkedin.com/in/tony-perri-jr-9a95662b/ FB: https://www.facebook.com/MortgageTheRightWay/ Email: tony.perri@htlenders.com Phone: (630) 284-9729   Show notes: [0:01] How bad is consumer debt now? [4:06] What advice can Tony give to people looking to buy a house? [9:21] How to reach out to Tony [14:35] Outro Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.

Purchasing a home plays a pivotal role in fulfilling the American Dream. Yet, the decision to buy or rent is a crucial one that carries implications for your financial well-being, lifestyle, and personal aspirations. In the present scenario, Bill engages in a conversation with his close friend Tony Perri Jr., who holds the position of Producing Branch Manager at HomeTown Lenders. They engage in a discussion about the process of acquiring properties and stay updated on the latest developments in the mortgage industry. Moreover, Tony generously offers some valuable advice for individuals aspiring to become homeowners. Tony Perri Jr. is an experienced Operational Specialist with a demonstrated history of working in the mortgage industry. Having over a decade of experience in the real estate & finance world has successfully found a way to turn a passion into a profession. Maintains a relentless pursuit of productivity and integrity and sets customers on the long-term path to financial success. Draws from a wealth of knowledge obtained from having held various roles as a mortgage professional, from a file opener to a closing specialist— a steady & strong advocate for both customers and employees.   Connect with Tony at: Website: https://www.applywithjr.com/ LinkedIn: https://www.linkedin.com/in/tony-perri-jr-9a95662b/ FB: https://www.facebook.com/MortgageTheRightWay/ Email: tony.perri@htlenders.com Phone: (630) 284-9729   Show notes: [0:59] What’s going on in the mortgage world? [8:02] Theoretical quoting [15:48] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.

In the latest episode, Bill engages in a conversation with Steve Sims, a prominent figure who wears multiple hats as a Speaker, Author, Coach, and CEO of Bluefish. Their discussion revolves around the transformative power of pure passion and delves into Steve's journey of initiating speakeasies and how the pandemic brought about significant changes in his personal and entrepreneurial life. If you're seeking extra motivation to pursue your passions, this episode is precisely what you need.   Recognized as "The Real Life Wizard of Oz" by Forbes and Entrepreneur Magazine, Steve Sims is a bestselling Author renowned for his book "BLUEFISHING - The Art of Making Things Happen." He is highly sought-after as a consultant and speaker, having addressed various networks, groups, associations, and prestigious institutions like the Pentagon and Harvard on two occasions.   As the founder of Bluefish, a leading personal concierge service, Steve's expertise in marketing within the luxury industry is widely respected. His insights have been featured in numerous publications and television programs, including the Wall Street Journal, Forbes, London's Sunday Times, South China Morning Post, and more.   Imagine singing alongside your favorite rock star, being serenaded by Andre Bocelli, walking the red carpet at exclusive Oscar parties, getting married in the Vatican, or diving to explore the Titanic wreckage. These are just a few remarkable experiences that Steve has been tasked with delivering for his clients.   Frequently hailed as "The Real Life Wizard of Oz," Steve Sims epitomizes the spirit of an entrepreneur, earning high regard within the luxury realm for his innovation and grounded personality. Renowned for his honesty, integrity, and determination to do things in his own unique way, Steve creates unimaginable experiences for his clients. He possesses the uncanny ability to turn the impossible into reality.   Connect with Steve: Website: www.stevedsims.com LinkedIn: www.linkedin.com/in/stevedsims IG: @stevedsims FB: facebook.com/groups/stevedsims   Listen to his podcast: stevedsims.com/podcast     Show notes: [0:58] What did the pandemic do for Steve? [3:49] On closing three businesses at the same time [9:41] Keeping it simple and having fun while creating value for their clients [15:42] Testing his credibility by having speakeasies [26:01] The most common issues the entrepreneurs who go to his speakeasy has [34:26] The largest cheque he has ever received through his connections [36:05] What does money mean to Steve? [39:08] Where to find Steve [40:02] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.