Money Isn't

From the ring to real estate, dive into the journey of overcoming financial struggles, shifting mindsets, and embracing personal growth. Explore how early money beliefs and emotional intelligence shape wealth-building decisions, with actionable insights to transform your approach to success. Michael Mahoney, former boxer and real estate entrepreneur, shares his inspiring story of resilience and reinvention. He discusses navigating the challenges of short-term rental arbitrage, lessons from Las Vegas during the pandemic, and the critical role of mindset in achieving holistic success. As a performance coach and CEO of Edutive, Michael's insights will leave you empowered to take charge of your financial and personal future. Chapters (00:00) Intro (01:56) Boxing to Real Estate: Michael’s Journey (13:41) Overcoming Real Estate Challenges (20:58) Las Vegas and the Pandemic’s Impact (27:14) Shadows and Transformation (40:43) Financial Mindset Breakthroughs (51:19) Personal Development and Unlocking Potential ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

Are you ready to master wealth-building in 2025? In this episode, we unveil the ultimate formula for financial success by aligning your income, savings rate, and lifestyle to create sustainable wealth. Discover how adopting a wealth mindset transforms not just your bank account but your entire approach to financial planning. Most people wait for more money to start planning, but this mindset can leave you stuck. Learn how to break free, optimize your financial elements, and achieve the freedom you deserve. John Smallwood, a leading expert in wealth management, explains why balance and consistency are the secrets to compounding wealth over time. By understanding the interplay between income, tax optimization, and long-term strategies, you’ll gain the tools to unlock exponential growth. Whether you’re new to wealth-building or refining your strategy, this episode is packed with actionable insights to take your finances to the next level. Chapters: (00:00) Introduction: The Only Formula You Need to Build Wealth in 2025 (02:00) Aligning Income, Savings, and Lifestyle for Success (06:30) Mastering Tax Balance and Long-Term Wealth Strategies (10:00) Wrapping It All with a Wealth Mindset Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

Want to maximize your retirement savings and secure your financial future? In this episode, financial expert John L Smallwood challenges traditional retirement planning assumptions and reveals lesser-known strategies for wealth building. Discover why your current 401(k) and IRA approach might be costing you in hidden fees and taxes, and learn how smart term life insurance decisions could dramatically impact your wealth preservation. From insurance conversion tactics to tax-efficient investing tips, Smallwood breaks down complex concepts into actionable insights. Whether you're starting your financial journey or looking to enhance your current strategy, these powerful perspectives on insurance timing and tax advantages could reshape how you think about building long-term wealth. Chapters (00:00) Intro (09:40) Navigating Life Insurance Choices and Quality (12:03) Understanding Wealth Accumulation and Financial (37:09) Rethinking Financial Planning for a Secure Retirement Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood! ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

Are you ready for the AI revolution? This episode dives into how cutting-edge technologies like AI, robotics, and genetics are reshaping industries and unlocking human potential. Learn how you can leverage these innovations to stay ahead in a rapidly evolving world. Jonathan Foltz, a futurist and serial entrepreneur with over 30 companies and $100 million in revenue, shares insights on the GNR revolution (genetics, nanotechnology, and robotics), conscious leadership, and the future of artificial general intelligence (AGI). Discover how AI can enhance creativity, streamline business operations, and bridge generational gaps. Tune in to explore practical strategies for adopting AI early, fostering collaboration, and driving personal and professional growth. Chapters (00:00) Intro (01:35) Embracing the AI Revolution (17:00) Embracing AI for Everyday Enhancement (21:03) Harnessing Human Potential Through AI (38:02) Authenticity in the Age of Web3 (43:29) Navigating the Future of AGI (54:05) Bridging Generations Through AI Learning (56:24) Unleashing Creativity and Automating Business with AI Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood! ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

Wealth isn’t just about numbers—it’s about mindset, strategy, and adaptability. In this episode, John Smallwood, financial advisor and wealth-building expert, dives deep into the essentials of creating a flexible, long-term financial plan. Discover how to proactively navigate the complexities of wealth accumulation, adapt to changing incomes, and overcome fears that can derail your financial success. John shares practical advice on aligning your financial behavior with your goals and highlights why regular reviews are essential to staying on track. If you’ve ever wondered how to build wealth in a way that works for your unique journey, this conversation is a must-watch. Chapters (00:00) Intro (02:12) Comprehensive Wealth Building Strategies and Mindset (26:13) Adapting Financial Plans for Changing Incomes Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood! ------------------------------------------------------------------- Work with Smallwood Wealth Management Learn more about Smallwood Wealth: https://smallwoodassociates.com Schedule a free 15 minute introduction: https://go.oncehub.com/15MinuteIntroduction This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056. NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

In this episode of Money Isn't, Salvatore DiBianca, a high-level executive at Bristol Myers, shares his incredible journey through corporate success, international business, and financial transformation. Sal’s story highlights the importance of informed financial decision-making, from navigating the complexities of a Medicare trust to planning a smooth and fulfilling retirement. This conversation is not just an inspiring career story but also a testament to the value of seeking expert guidance for financial success. Sal's collaboration with knowledgeable advisors at critical moments in his life empowered him to overcome challenges and achieve his goals. Whether you're working toward financial independence or preparing for retirement, this episode underscores how Smallwood Wealth Management can be the trusted partner to help you thrive. Chapters 0:00 Introduction 1:44 Navigating Career Complexities 22:13 The Joys and Challenges of Global Work Travel 23:53 Navigating Manufacturing in China 32:15 Food Safety Concerns While Traveling 34:27 Exploring Solitude in Travel 38:35 Navigating Career and Family Dynamics 51:51 Evolving Quality Control in Manufacturing 58:04 Retirement: From Boats to Beach Houses 1:01:08 Navigating Finances and Fulfillment Learn how thoughtful financial strategies and expert advice can help you balance career, family, and personal fulfillment. Sal’s journey is a reminder that with the right guidance, financial freedom is within reach. Inspired by Sal’s story? Connect with Smallwood Wealth Management to take control of your financial future. Visit us online or book a call today to learn more. 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.

Retirement planning is more than just saving—it’s about navigating complex distribution challenges that can make or break your financial future. In this episode, we explore the critical components of successful retirement distribution, including the impact of longevity, inflation, and market volatility on your retirement funds. Learn how strategic financial planning and diversification of your investment portfolio can protect against economic uncertainties while maximizing your long-term stability. Whether you're approaching retirement or rethinking your current strategy, this conversation will equip you with the insights and tools to adapt to changing economic conditions and secure a sustainable, fulfilling retirement. Chapters (00:00) Intro (02:12) Navigating Retirement Distribution Challenges (22:12) Strategic Retirement Planning and Asset Diversification 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.

Does trauma shape your financial future? In this episode of Money Isn’t, Ilene Smith—a trauma healer, author, and creator of The Truth Method—reveals the hidden link between past experiences and your financial well-being. Discover how childhood trauma and family dynamics impact your relationship with money. Ilene shares actionable insights into breaking free from financial fears, redefining self-worth, and embracing abundance. Through powerful stories and her innovative approach to healing, Ilene helps uncover the emotional barriers keeping you from true financial empowerment. If you’ve ever felt trapped in cycles of scarcity or unsure how to build a healthier relationship with wealth, this conversation will change your perspective on money, trauma, and success. Chapters 00:00 Intro 01:31 The Trauma-Money Connection 10:27 Breaking Free from Financial Fears 25:57 Conquering Self-Betrayal 44:27 Emotional Dynamics of Wealth 54:01 The Lasting Impact of Trauma on Family Dynamics 55:47 The Emotional Journey of Ownership 01:02:39 Building a Course on Financial Empowerment and Self-Discovery ------------------------------------------------------------------- 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.

Can a candle change your life? Discover how soy candles, sustainability, and creative passion turned a COVID side hustle into a thriving business. Learn the secrets behind branding, customer loyalty, and navigating small business challenges. Nicole Andrick and Jason Pontillo, co-founders of Catskill Candle Studio, share their journey from experimenting with candle-making in their kitchen to building a beloved brand rooted in the Catskills. What started as a creative distraction during the COVID pandemic has evolved into a sustainable business fueled by passion, adaptability, and an unwavering commitment to quality. Nicole and Jason dive into the challenges and triumphs of entrepreneurship, from crafting 100% soy candles to cultivating customer loyalty and navigating pricing strategies. They also reveal how thoughtful branding and partnerships helped turn their side hustle into a full-fledged creative business. Whether you're a candle lover or an aspiring entrepreneur, this conversation is a must-listen for anyone seeking inspiration to transform their passion into a purposeful legacy. Chapters: (00:00) Intro (04:56) A Journey from Distraction to Brand Success (06:30) From Kitchen to Studio: The Candle-Making Journey (13:25) Igniting a Candle Business (25:57) Navigating the Launch of a Creative Business Follow Catskill Candle Studio: Instagram: https://www.instagram.com/catskillscandlestudio Facebook: https://www.facebook.com/catskillscandlestudio TikTok: https://www.tiktok.com/@catskillscandlestudio 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.

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.