show episodes
 
Wealth Talks podcast is an educational podcast that helps you build Wealth in all areas of your life. Increase your Financial IQ, develop personal growth, and create a lasting legacy all while getting exposed to the strategies that successful people are using. You’ll get actionable strategies and intelligence that you can immediately put to use to start creating real and lasting generational wealth. See more on our website: https://www.life-benefits.com/podcasts
 
It all begins with savings and cash flow! Most people play the dangerous game of chasing after outrageous returns risking all their money in aggressive joint ventures, real estate, and the stock market. Stop what you’re doing and LISTEN so we can show you how you really can enjoy today AND can have a way wealthier tomorrow.
 
Every week Jake Rivas, Financial Advisor To Millennials, will hit the streets, coffee shops, and restaurants to get raw feedback from YOU about the real financial obstacles you are facing today. Jake will help you take the guesswork out of managing your money choices while curating and sharing the best advice and insights into making smart money choices. Jakes Two Cents will help you navigate credit, financial debt, saving for the future, student loans, mortgages, travel, money, lifestyle, a ...
 
Exploring timely insurance and retirement planning topics for today's forward-thinking financial professionals. Crump Insights is a presentation of Crump Life Insurance Services, a leading third-party distributor and service provider of insurance and retirement products. Join us for the latest market updates, sales strategies and information that impact the industry, your practice, and your clients.
 
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show series
 
World population is a major concern… but not in the way many people see it. Anyone who has taken a flight across the US should realize that overpopulation is not even a remote problem. In fact, the biggest problem many countries are facing today is underpopulation. Today on Wealth Talks, Tom and John talk about underpopulation and the grave danger …
 
Today Jake Rivas and Kirk Barbera are joined by guest Jake Cousineau to discuss his book “How to Adult.” Jake is the author of a book for young adults titled How to Adult: Personal Finance for the Real World. You might even recognize Jake from his $50k Wheel of Fortune payday! In this episode we delve into Jake Cousineau’s financial advice and his …
 
What is our government doing?! Printing trillions of dollars and more trillions of dollars might (will) not end well for us. Hyperinflation, the ultimate tax has arrived. Higher taxes will create more and more of a chasm between the rich and poor as it obliterates the middle class. Ken Greene transitioned from being a Professional Engineer (P.E.) t…
 
There are two categories into which all Life Insurance products fall: Temporary and Permanent. In general, term products are classified as temporary insurance, while whole life and universal life products are classified as permanent. It is important to understand how these different types of policies work when you wish to purchase the best type of …
 
A great discussion with a business broker, Andy Cagenetta with Transworld Business Advisors. We talked about buying and selling businesses. Andrew “Andy” R. Cagnetta, Jr., is the CEO and Manager of Transworld® Business Advisors. Andy is a leader in the business brokerage industry and the South Florida business community. Since 1997, he has served a…
 
How many times have you heard someone recite sentiments along these lines “It’ll be my kids’ problem by then”… implying that they will be dead and their kids will have to deal with the problem instead. The lack of responsibility is shocking, and the results of this thinking are disastrous. We are all susceptible to this type of thinking. Even Hezek…
 
We have all heard the phrase “buy American,” from both Republicans and Democrats. President Biden is again proposing measures to ensure a buy American program. Jake and Kirk discuss the economics of buy American, how it may affect your wallet, and why a global economy is a really good thing for everyone who participates. *“Tax preparation, planning…
 
Bill West with Bareknuckle Brand Marketing is my guest. I asked Bill to come on my show as a guest due to my gratitude for the work he and his team did for me approximately 7 years ago. As a business owner, there are times (sometimes too many times), we have to do a lot of things that we do not enjoy as business owner. I love hosting this podcast e…
 
Some people firmly believe in financing every expense in life with a policy loan. Others believe in financing only the larger expenses, and many don’t know what to believe. This is a controversial subject with an endless number of opinions. While it is easy to be confused by the barrage of information available, following certain steps and keeping …
 
I discuss one of the most boring topics in the world: health insurance. However, it's important to have to protect your health and wealth. My favorite health insurance plan is the Health Savings Plan (HSA) used with a qualifying High Deductible Health Plan (HDHP). It can be a great strategy to get income tax deductions and income tax-free growth fo…
 
DEBATE NIGHT! With Jake and Kirk. On this special edition of Jake of All Trades, Jake and Kirk debate the question of whether or not billionaire’s should exist. Jake takes the negative and Kirk takes the positive. Of course, they don’t mean whether we should jail or deport billionaires, but rather should billionaires be subject to extra taxes or li…
 
In American society, more and more people seem to be less interested in making any sort of commitment, preferring a quick and easy relationship. Those only seeking a relationship are typically absorbed with themselves, looking only for what they can get out of the relationship. Commitments are very different. Those looking to make a commitment are …
 
For many business owners, the Tax Cuts and Jobs Act of 2017 dramatically reduced their tax exposure. And in spite of the pandemic, many industries experienced record year in 2020, particularly in real estate and certain manufacturing sectors. With the potential for higher taxes on the horizon, now is the time to share executive benefit strategies w…
 
The importance of vacation: taking a day off, a few days off, maybe a week off with family and friends. You need to give yourself permission to relax. When you do, not only will you have a great time off, the coolest ideas for your profession will present themselves to you -- which you can implement when you're back at work. Ken Greene transitioned…
 
Ice cream containers are shrinking - again. It used to be common for ice cream to be sold in a half gallon cartons. Some years ago, cartons shrunk to 1.75 quarts and just recently many ice cream cartons shrank again to only 1.5 quarts. Prices, however, did not shrink accordingly. Most prices stayed the same. This latest change is the equivalent of …
 
A little bit of snow and the whole world (or Texas) loses its mind! Jake and Kirk discuss their experiences during the power and water outages in central texas. Many people of course were much more negatively affected than Jake and Kirk. There are, however, lessons we can all learn from this fiasco. *“Tax preparation, planning, IRS representation, …
 
Ken talked about his unplanned visit to the hospital last week. He hesitated about sharing the story, however, if it saves one life and makes a difference financially for at least one family, then it's absolutely worth sharing this story. Ken Greene transitioned from being a Professional Engineer (P.E.) to the “Engineer of Finance.” His goal is to …
 
Gino Bartali was an Italian cyclist. Winning the Giro d'Italia in 1936 and 1937 and the prestigious Tour de France in 1938, Gino went on to win two more titles after the War, the Giro d’Italia in 1946 and the Tour de France in 1948. But it wasn’t for any of these races that Gino became a hero, it was for his work in the Underground. Under the guise…
 
A mentor is someone who has done it! Look at what you would like to accomplish within the next three years. What are your priorities and dreams? To drastically increase your potential in achieving those goals, surround yourself with mentors. Ken Greene transitioned from being a Professional Engineer (P.E.) to the “Engineer of Finance.” His goal is …
 
On this episode Jake and Kirk discuss Biden’s proposed changes to 401ks. We also discuss, once again, the difference between political rhetoric and political action. If these changes take place we will create another episode explaining them. For this episode, we discuss what those changes would look like if implemented as Biden proposes. We also di…
 
Buying a Whole Life Insurance policy is a lot like starting a business that is guaranteed to succeed. In a world where 90% of startup businesses fail, talking about guaranteed success seems strange - even perhaps a little fishy. But when it comes to life insurance, you can indeed find sustainable guaranteed growth. Guaranteed growth may take more t…
 
As we have mentioned on previous shows, even with a democrat controlled House and Senate Biden cannot accomplish everything he wants. Though, it may feel like he will with this new, almost 2 Trillion dollar stimulus proposal. Jake and Kirk take a look at the major proposals and how they believe they will be impactful, or, maybe not as much. Also, t…
 
The Engineer of Finance talks about the importance of having a team and delegating. You cannot be a successful entrepreneur by doing it on your own. You must surround yourself with people who excel in areas that are not your specialty. Ken Greene transitioned from being a Professional Engineer (P.E.) to the “Engineer of Finance.” His goal is to hel…
 
Paul “Bear” Bryant famously said “Offense sells tickets. Defense wins championships.” Many investment advisors today are hyper-focused on the offensive side of wealth building (investing). Wealth building is just as much defense as it is offense. In today’s episode, Tom and John discuss how to get your Wealth Building defense running smoothly. Reso…
 
Phil is a licensed life settlement broker with SFS Life Settlements. He represents sellers of life insurance policies. Ken has a great discussion with Phil, where he dives into various reasons why someone would want to sell their term or permanent life insurance policy. Prior to founding SFS, Phil began his career in the life settlements market as …
 
Though the investment app boasts no commissions, there are several strategies the company uses to make money. Some of these strategies seem familiar to us and some may be unique. One of them, Jake and Kirk believe, is actually quite dangerous! *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax…
 
Many people pursue money to their own misery. If they only had more money, they reason, they would be happy and contented. With this mindset, they will never be happy. They will either be poor and miserable, or they will be richly miserable. Wealth, on the other hand, isn’t dependent on money. Money can be a part of wealth, but wealth is not a part…
 
One of the most important, yet often overlooked responsibilities for financial advisors and life insurance agents is the policy review. Crump has streamlined this often tedious and time consuming process, making it easy to complete and opening new opportunities to assist your clients. In this episode, Crump's Brandi Graver shares her insight and ad…
 
The Engineer of Finance discusses the short squeeze on Gamestop, options: calls & puts. Why shorts and puts should not be illegal and the benefits and dangers of playing in the stock market. Ken Greene transitioned from being a Professional Engineer (P.E.) to the “Engineer of Finance.” His goal is to help people become financially independent and h…
 
There are a lot of myths and misinformation about what was going on with Gamestop. Jake and Kirk set the record straight with some of the facts regarding the strange case of Gamestop and the cliff that hasn’t happened (yet!). On this show you will learn about short selling, the value of investors, and why the market operates based on sound principl…
 
Securities. The very name fills one with the sense of safety, conjuring up images of bank vaults, locked safes and armed guards. Ironically, many so-called securities are not secure. In fact, most securities are risky. …which brings up a question…are whole life insurance products considered securities? Do they share any similarities with securities…
 
Laws passed in 2020 are beginning to take effect. Some of these laws will affect your wallet. Namely, alterations to 401k, social security and laws governing subscription services. On this episode Jake and Kirk go through the ones that are most likely going to affect you and discuss how to navigate them. *“Tax preparation, planning, IRS representat…
 
I love math and logic. Math and logic are true for me. Through them, deductive reasoning can be applied to make educated decisions. I love learning and educating. I learn a lot by listening to others and, above all, by observing their actions, doing and applying what they say. That's the truth. Get on the logic train. For that, you must apply math …
 
Morbid as it sounds, to get the greatest rate of return from a life insurance policy, you could pay the first premium and then die. While we certainly don’t suggest this course of action, this method will undoubtably give you the greatest rate of return. Put this way, the whole concept of “rate of return” seems a little silly. However, it’s easy to…
 
Prop 19 is essentially killing Prop 13 in California in less than a month! This could drastically impact you and your family for properties that you own in 'The Golden State'. A great interview with a phenomenal trust and estate attorney, Erica Cooper with MOBO Law. She loves what she does and loves helping her clients. I call her a “Trust and Esta…
 
Jake and Kirk discuss the ever prevalent issue of inflation. This time with an eye toward how 2021 will likely see a large jump in inflation. Inflation can seem like a simple idea but it can get quite confusing. Jake explains the mindset you need to have when thinking about inflation in 2021 and beyond. *“Tax preparation, planning, IRS representati…
 
Let's face it: The insurance industry has been slow to innovate and implement digital change. But COVID changed that, and the investment that Crump and carrier partners made in digital solutions prior to the pandemic paid off for financial advisors, and more importantly, their clients. Now, it's easier than ever to transact business, freeing up tim…
 
In the world around us, many people have confused wealth with money. Sadly, many pursue money, but never take the time to build wealth. How do we build wealth, and how do we protect the wealth we build so as to leave an inheritance to our children’s children? In today’s episode Tom and John explore building wealth through the window of faith, and h…
 
The power to tax is the power to destroy. Taxes are typically your largest opportunity cost. Taxes can destroy you. Income taxes, property taxes, payroll taxes, unemployment taxes, sales taxes, tariffs, licenses, fees and fines, speeding tickets, telecommunication taxes, carbon dioxide tax... What else? Oh. Prop 19 in California. Learn more about i…
 
President Biden now has a Democrat controlled House and Senate. Does this mean he can rule with dictatorial power? Absolutely not. In this episode we discuss the main barriers to Biden’s agenda and what he will be able to do during his term. We also talk about an important avenue the democratic party will likely take, something called “Budget Recon…
 
Many Americans have worked hard to further their children’s education. Sadly, many realize too late, that much of the so-called “education” was really indoctrination which may have ruined their children’s values. Many children graduate from College and University with far different values, morals, and viewpoints than those held by their parents. Pa…
 
Ken and Tammi talk about money and US dollars. They discuss how silver, gold, and bitcoin could be a great store of value. Ken Greene transitioned from being a Professional Engineer (P.E.) to the “Engineer of Finance.” His goal is to help people become financially independent and help them earn better yields with less risk by investing Off Wall Str…
 
529 plans are touted as a way to save for your children’s education. But saving money in a 529 plan is a lot like sending your money to jail. Once your money is in a 529 plan you can’t use it for anything other than education. If you need to use that money for other purposes, you’ll pay a hefty penalty! But there is a way to get money out of a 529 …
 
We would all like to think that 2021 will be all sunshine and roses. While Jake and Kirk are mostly optimistic about the future (especially in comparison to 2020!) there are some important financial challenges to prepare for in 2021. On this episode, Jake will break down some important technical jargon regarding central banking policy, and how a ch…
 
Ken discusses with Connor Boyack about his books and how they teach kids about economic and civic truths. Connor Boyack is the founder and president of Libertas Institute, a free-market think tank in Utah. Named one of Utah's most politically influential people by The Salt Lake Tribune, Connor's leadership has led to dozens of legislative victories…
 
…until you hear this. There is no question - paying off a mortgage early saves interest. But what will you be losing by paying off your mortgage early? It’s called Lost Opportunity. If you can simply earn 1.4% on the extra mortgage payments required to payoff a mortgage at 3.75% APR over 15 years rather than 30 years, then you can come out ahead of…
 
This is a great time of the year to focus on health, wealth, attitude, and gratitude! Ken Greene transitioned from being a Professional Engineer (P.E.) to the “Engineer of Finance.” His goal is to help people become financially independent and help them earn better yields with less risk by investing Off Wall Street. Links and Resources from this Ep…
 
Jake and Kirk discuss a WSJ article written by a city planner who proposes some interesting new ways that big cities like London, NYC and San Francisco might develop in a post covid world. They also discuss some of the ways rural and urban areas might change, with big companies helping to build out “zoom towns” from existing places like Jackson, Wy…
 
Queen was almost prophetic with their song… many Americans are biting the dust financially because they depended on financial planners who didn’t know the future. Of course the responsibility to take care of these people doesn’t fall on the financial planner, but rather on the client’s own children. This leads to the sandwich generation, people who…
 
For those who have made plans based on past projections of the future, you may be in for a shock. On this episode, Certified Financial Planner Jake Rivas discusses some of the mistakes people are making when planning for their future. Jake and Kirk also discuss the larger economic and political meaning of our current situation, and what it could me…
 
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