The Missing Piece of Health? Your Money Mindset Podcast Transcript

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00:06:56:03 – 00:07:01:01
Synergee
Welcome. Synergee listeners. Today we are Bridging Wealth and Wellness with Jason Woodall.
Founder and financial strategist behind what All Wealth Management and his assistant Lee.

00:07:06:04 – 00:07:22:00
Synergee
With over two decades of experience helping families and business owners build lasting financial legacies, Jason is passionate about more than just dollars and cents. He’s on a mission to help people create lives of purpose, peace, and prosperity.

00:07:22:05 – 00:07:40:01
Synergee
We often talk about physical and emotional health, but what about financial health? In this episode, we explore the profound ways that money mindset and long term planning intersect with our stress levels, our relationships, our career choices, and even our physical well-being. Explore our personalized health programs in Ridgeland MS to find out more of what we do and how we can support you.

00:07:40:01 – 00:07:54:13
Synergee
Jason brings clarity and compassion to a topic that’s often overwhelming, helping us understand how financial empowerment can become a cornerstone of overall wellness. We are so glad you’re here. Grab a cup of tea and lean into the conversation and maybe find a holistic doctor near me Ridgeland MS.

00:07:54:13 – 00:08:09:23
Synergee
Welcome back synergee listeners. We are so excited that you’re here to join Lori and I again for another fabulous conversation. Last year we had the privilege of having Maddie on. She was the author of Ageless Aging and the co-founder of Age Wave.

00:08:09:23 – 00:08:34:04
Synergee
And Maddie shared with us some insights about aging. She shared some good news, she shared some bad news, and she shared some really encouraging news. So I wanted to kind of recap that a little bit, encourage you to go back to September 2024, when we released her podcast, because that’ll set the stage of some of what we’re going to talk about today and why it’s so important for Lori and I to get this message out.

00:08:34:06 – 00:08:53:01
Synergee
So the good news that Maddie shared with us is we’re in the middle of a longevity revolution. We’re living longer. And that’s amazing, right? But the bad news is that oftentimes we’re living longer in poor health. So there’s a disparity between our health span and our lifespan, and we want to figure out how to close that gap.

00:08:53:01 – 00:09:22:02
Synergee
We want to live long in the vibrant and vital and enjoy our lifespan as much as our health span. And then the encouraging news is a lot of what we’ve been led to believe that’s just genetic is completely modifiable. Your lifestyle does matter. And Lori and I believe that part of your lifestyle is your financial health. You know, how you view your finances, how stressed you are about your finances really matters in the overall health picture.

00:09:22:02 – 00:09:38:19
Synergee
So we have with us today some experts that we want to dig into this concept of financial wellness and really give you some inspiring things to take home, some nuggets that we can really implement in our lifestyle starting today. So Jason in LA, thank you so much for joining us and giving us your time today.

00:09:38:19 – 00:09:40:18
Jason
Thank you for having me, thank you.

00:09:40:20 – 00:09:56:05
Synergee
Excellent. So, Jason, we got to start out with you and Ellie asking you what inspired your journey into financial planning, like, which is something you always thought you would be doing or you were surprised when you landed there? So I don’t think there’s any kid that sits around and goes, yeah, I’m going to work with numbers all day long and, you know, money and, that’s that’s my goal.

00:10:03:02 – 00:10:22:16
Jason
Normally it’s, you know, I want to work with animals and whales and all those fun things. And, but it didn’t quite work out that way. So I started my career working for a national bank. And I realized that as I was helping folks come in and do a variety of things as it related to their finances, that I started to get a lot of satisfaction personally, out of helping people.

00:10:29:13 – 00:10:44:10
Jason
So, you know, when someone would come in and they would need help with, with budgeting something or planning something or trying to figure out, retirement or, you know, where they can they can, find more money, you know, to, to to go on a trip or whatever the case may be.

00:10:44:10 – 00:10:48:06
Jason
Helping folks achieve those goals really had a huge impact for me.

00:10:48:06 – 00:11:13:07
Jason
And over time, I realized that that’s important, you know, on top of, of a livelihood and, and, you know, whatever it is that, that the money that you’re, you’re making or those things being, being happy with, with what you do makes, makes a huge difference. And that’s why I wound up sticking with it for so many years, which has been about 28 years now.

00:11:13:09 – 00:11:16:14
Jason
So that it was really unexpected, to be honest.

00:11:16:14 – 00:11:36:07
Synergee
Yeah. So what exactly do you do right now, Jason? Like, how do you work with your clients?

00:11:36:10 – 00:12:09:11
Jason
Yeah, so it’s a pretty wide scope. So we are registered investment advisors as well as general brokers through a broker dealer. So basically what that means is we are financial planners and investment advisors.So depending on the client, the age, the goal, all of those things would depend on what role we’re taking. And in that relationship, it could be something as simple as, you know, education, planning, putting a plan together to help parents, figure out how to send their children to school. It could be in-depth retirement planning for someone who’s in their 50s, where they’re not quite there yet, but they really need to buckle down and get some hard numbers on paper to see where they’re going to achieve their goals.

00:12:09:13 – 00:12:15:19
Jason
So in general, it’s overall, financial planning that that encompasses all facets

00:12:15:19 – 00:12:26:11
Synergee
is excellent. And then Ellie, you work alongside Jason. What is your role with him?

00:12:26:11 – 00:12:40:13
Ellie
Yes. So I am on the client services administrative side of things. My background is actually like you mentioned, we did. You know, I didn’t end up on this path originally, but, my background’s in nonprofit and customer service, and so was able to connect a lot of those passions into this field as well, which has been really amazing.

00:12:40:13 – 00:12:54:14
Ellie
So, I focus on the administrative, like I said, client services side, and really building those long term relationships with clients and being able to take care of their needs and, and help them, you know, pursue their goals. So it’s been very fulfilling.

00:12:54:14 – 00:13:07:18
Synergee
Absolutely. It sounds very, very rewarding. So I do imagine that there are times that you both are, you have that person in front of you that didn’t necessarily plan on being sick, right?

00:13:07:23 – 00:13:11:10
Synergee
They didn’t plan on being sick. And they’re now faced with what that’s like from a financial perspective. Are you seeing that more these days? The same. Less. What are you guys saying?

00:13:20:07 – 00:13:28:20
Jason
It’s so pretty consistent. It has been for some time. And what you tend to see is where, the folks that we wind up helping tend to run in extremes.

00:13:35:04 – 00:13:56:03
Jason
And what I mean by that is you’ll see where there are some clients that are very goal oriented. They have their own game plan, they have a plan already in place. They know kind of what they’re where they’re trying to go. And then you have the other side where, you know, sometimes life throws curveballs and that’s just how it works.

00:13:56:03 – 00:14:36:09
Jason
And they’re leaving help to keep working their way through those challenges. And those numbers, if you will, have actually been pretty consistent. Throughout, throughout my career, what we have been seeing, though, is a heightened level of, just general anxiety and stress, specifically as it relates to finances. And it seems to have spiked more certainly coming out of Covid, which, in my opinion, I believe that that the whole Covid experience, if you will, kind of drove home the uncertainty around what can happen financially in a very short period of time.

00:14:36:09 – 00:14:48:11
Jason
And if you’re not properly prepared, how much of an impact that can have. And I think that that in my opinion, I think that just really spite, you know, folks, folks stress levels in general.

00:14:48:11 – 00:14:55:04
Jason
So it sounds very similar to that in medicine. You have people that are very, very proactive, right? I’m Kelly nodding your head.

00:14:55:04 – 00:15:04:19
Synergee
Absolutely right. We see that proactive approach to their health doing everything they possibly can right now to do their very best to avert those things that could happen.

00:15:04:19 – 00:15:17:13
Synergee
And then the reactive which are like, I’m fine, I’m fine, I’m fine, I’m good until we’re not. And, you know, we see that in medicine, just like you are seeing and saying now in virtual health.

00:15:17:23 – 00:15:24:04
Synergee
Hey, friend. A quick pause from the episode. Lori and I want to make sure that you know about something that we pour our hearts into.

00:15:24:04 – 00:15:32:02
Synergee
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Synergee
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Synergee
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00:15:45:17 – 00:15:58:20
Synergee
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00:15:58:20 – 00:16:12:21
Synergee
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00:16:12:21 – 00:16:17:14
Synergee
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00:16:20:12 – 00:16:28:04
Synergee
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Synergee
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00:16:35:10 – 00:16:39:01
Synergee
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00:16:39:01 – 00:16:41:18
Synergee
so, Jason, how do you speak about that aspect of stress that happens with financial stress and how it impacts their health? Like how did this conversation go? Is that where we’re seeing received when you’re talking about that, or is that something that they don’t typically recognize or want to talk about?

00:16:55:17 – 00:16:58:07
Jason
Yeah. And so the variance is as wide as the personalities.

00:17:01:13 – 00:17:31:17
Jason
Right. So it very much depends on the person, their experience, their background, their upbringing has a huge impact on it. Where they happen to be in life, certainly has a huge impact on it. What our goal and, and our primary mission is, is we have to figure out where that balance is. So we have to try and adapt and modify ourselves to be able to have comfortable conversations, regardless if they’re, you know, ra ra, great ones, or maybe not so great ones.

00:17:31:17 – 00:17:51:09
Jason
Right? But you still need to have that conversation. And, through the years and just through experience and working with so many, you know, a variety of so many people, we’ve been able to tailor ourselves to where we can sit down and have those conversations and, and really try and get the person in front of us comfortable with having those conversations.

00:17:51:11 – 00:18:12:22
Synergee
And that’s a challenge, just depending on the circumstance, because we have folks that, you know, may be in front of us because they have a gentleman who, was diagnosed with cancer, beat it. But the back side of it was really tough for him from a financial standpoint. We have folks sometimes that are coming out of the courses, you know, all these different things that could be happening.

00:18:12:22 – 00:18:27:17
Synergee
And, and, we’re here to help them and as it’s just guiding them through it. But starting the conversation, that part of it can be uncomfortable. And that’s okay, that there’s nothing wrong with that.

00:18:27:17 – 00:18:34:09
Jason
That’s where I’m sure Ellie’s, personality she has just you can tell just by her demeanor, probably a little bit.

00:18:34:09 – 00:18:46:20
Jason
Sometimes easier to connect or just having the time to connect with them. You know, when it comes to money, I can imagine that. Trust. You know, some people, just like in healthcare, have had bad experiences too.

00:18:46:20 – 00:19:01:04
Jason
And it probably takes a little bit of time to develop a trusting relationship where you can have those conversations with them, and they know that you’re there to not judge either the decisions that have been made, but really to help them.

00:19:01:04 – 00:19:29:22
Synergee
Yeah, absolutely. I think a lot of times people come in and they are aware of the toll that that stress is putting them under, and so we can meet them with empathy and validate that experience. And then something that I love about our role is that we can come in with a solution focused approach as well and come alongside them and help them really make a plan to move forward, you know, and alleviate some of that stress that’s having a negative impact.

00:19:29:22 – 00:19:43:16
Synergee
So it’s amazing to see them where they are, but then also be able to walk with them forward, you know, and not stay in that place that’s really having that adverse effect on their, you know, mental, physical health, whatever it may be.

00:19:43:16 – 00:19:48:19
Synergee
What do you think are the biggest factors that keep someone stuck in their current financial position?

00:19:48:19 – 00:20:14:07
Jason
So I would tend to say fear is the biggest one. And it it’s, it can be overwhelming. Certainly. And that is the biggest struggle that we have seen with anyone, you know, just really taking charge of their, their financial well-being. And what tends to happen a lot of times is it becomes a negative feedback loop.

00:20:14:07 – 00:20:36:08
Jason
Right? So, you know, let’s say someone’s a little later, our father in law, you or let’s say that it’s just picking something and they’re getting closer to retirement. Maybe they think or feel they haven’t done enough to prepare for that and they start to, have feelings, where it’s going to be difficult for them to catch up.

00:20:36:08 – 00:20:56:15
Jason
So why bother? Or they’re uncertain as to who just to, to talk with because there are barriers, you know, all the, all of those types of, of feelings. And that is one of the biggest barriers that we run into. The irony of it is when we do wind up interacting with those folks, many times they’re actually closer than they think.

00:20:56:15 – 00:21:21:04
Jason
And the relief that they have, after going through a planning process or developing a retirement strategy, it’s very satisfying to see because you can just see the weight lift off them. But those initial steps and reaching out and overcoming those initial fears is certainly the biggest struggle that we’ve seen.

00:21:21:04 – 00:21:38:23
Synergee
So Lori and I often talk about all or none thinking, and that’s what you’re describing, is kind of like, you know, I don’t want to look at it. I’m afraid to look at it, and there’s nothing I can do about it anyway, instead of really being able to look in the mirror and see where we are, take some logical steps to make some changes.

00:21:39:01 – 00:21:43:15
Synergee
Which is to your point, oftentimes they’re not as far away as they think they are. So I love that.

00:21:43:15 – 00:22:03:06
Jason
Yeah. I cried. And the other you know, part of it too is, is we see where folks get comfortable with being uncomfortable, meaning that they’re just used to thinking or believing a certain thing where they have the ability to, to affect change as it relates to that.

00:22:03:08 – 00:22:13:08
Jason
And because they’ve done the same thing for so long, they, you know, thought the same thing for so long or whatever the case may be, that it just becomes comfortable in doing that.

00:22:13:08 – 00:22:20:14
Jason
And, those are things that folks can certainly change. And change very easily. And I think that’s missed a lot of times.

00:22:20:14 – 00:22:41:13
Synergee
And we see that a lot in health care as well. There’s this slow, insidious decline in overall health. And they become this is just this is their new norm right. Deceiving our watch that it’s just aging. Right. We’re just not there. Yeah. Yes. Yeah. And so they get stuck in that. And I’m glad you qualified the fear side of things.

00:22:41:13 – 00:22:45:11
Synergee
You know when you first said fear I started questioning is

00:22:45:11 – 00:23:03:08
Synergee
is that you know fear of you know, making a bad choice or a fear of choosing the wrong person to align themselves with fear of, you know, fill in the blank. I would imagine that fear probably has numerous multifactorial reasons why people fear you named, you know, 1 or 2 of them.

00:23:03:08 – 00:23:10:23
Synergee
But are there any other fears that, that they, that they would commonly have that would stand in the way of them reaching out for help?

00:23:10:23 – 00:23:20:21
Jason
Well, again, in my opinion, I think it primarily leads back more to, a feeling of embarrassment or a feeling of, not accomplishing what, what they feel they should have, you know, up to this point.

00:23:26:07 – 00:23:50:13
Jason
And there are millions and millions of people in this world and it’s what I always tell folks it is you’re never going to be at the best spot that you may think you should be at. You’re certainly not at the worst. It’s somewhere in between. Everything’s always somewhere in between. And that’s okay. You know, we’re our job or, advisors job is to get you farther and along in that process.

00:23:50:13 – 00:24:04:11
Jason
And the challenge is getting clients to, quite frankly, just start by reaching out and asking for help, you know, and having those conversations and just starting the process and taking that first step.

00:24:04:11 – 00:24:23:11
Synergee
I’ve seen that a lot just in the conversations we have in relation to health care, because too often in even the examination room, working with our clients, finances come up because they are trying to figure out how they are going to economically manage what needs to happen.

00:24:23:14 – 00:24:58:18
Jason
So it happens a lot. Would you say male versus female? Is there a difference between the two in respect to willingness to ask for help? How often is it the wife or the female that reaches out versus the husband or the male? So what? And, let me be careful here. So, I mean, we are underrepresented case my wife happens to watch, you know, let me let me, structure this answer very carefully that what I would say is, as far as the first step in reaching out, it’s about the same, however, how how spouses or or male or female approach finances.

00:25:10:17 – 00:25:39:15
Jason
Historically, what we see is completely different. Females are more conservative. And in my experience, it’s just, you know, what we’ve seen for many years, they quite frankly want more detailed planning. They need a lot, a lot more input. And, and they want, there’s their feeling of security to be significantly higher than what we see historically with, with males who tend to kind of freewheel it more.

00:25:39:15 – 00:26:02:05
Synergee
Right. And that’s pretty consistent. It has been throughout my career. For sure. The trick is getting the balance. And this is, again, another thing that kind of goes back to creating a formal plan, especially with spouses, if you have one. And a lot of times this can also be related back to spenders and savers, right?

00:26:02:07 – 00:26:30:02
Jason
If you have a spouse that’s an aggressive spender and the other spouse’s aggressive saver, there’s a lot of conflict in that relationship as it relates to finances. And one of our jobs is to help find a balance, to help find the middle ground and develop a hard plan where they can both be held, you know, hold each other accountable and help to to develop that balance, which will ultimately help them financially overall achieve their goals.

00:26:30:02 – 00:26:54:16
Synergee
Yeah. So, Jason, can we talk about why that is, why women would be the ones wanting more and more of a conservative approach. You know, I think women live longer than men. Right. And oftentimes we’re concerned about being left behind. And then we’ve got to figure it out right? I just had this conversation with my husband a few months ago, because he’s a little bit older than me.

00:26:54:18 – 00:27:22:07
Synergee
And then, statistically speaking, I should live longer. Right? And so I’m like, we need to make sure that I’m going to be okay if that happens. Right. And I think we just have a higher need for security in general. I think that’s, you know, based on how we all want to feel secure as a female. And so I think there’s layers of reasons why we would want a more detailed plan and more, you know, more assurance that things are going to be okay.

00:27:22:07 – 00:27:36:06
Synergee
And we probably have more needs, financially speaking, like getting our hair done and our nails done. You know, all the things that we want to be able to do.

00:27:36:06 – 00:27:45:12
Synergee
And you know that that’s a really good point. As it relates to what what we’ve seen because from generation to generation, we

00:27:45:12 – 00:27:53:01
Synergee
and unfortunately, we still have not gotten to a point, in this country where the male female pay is equalized.

00:27:53:01 – 00:28:20:00
Jason
So what you tend to see is where the husband tends to, to make more, you know, historically through, throughout, a marriage. And that’s one of, one of the driving reasons is because of the, the, the, the fact that, that, you know, the women will outlive the husband by a, by quite a bit. And in our planning, we tend to, to start with a ten year number.

00:28:20:00 – 00:28:42:01
Jason
Normally it winds up being a 15 year number, which is a huge variance, from a long term standpoint. And if you are losing that, that primary breadwinner, even if you are in retirement, it does have a significant impact. So security changes pretty significantly. If there’s a pension that changes pretty significantly. So, you know, there’s a lot of things that feed into it.

00:28:42:01 – 00:28:45:13
Jason
But ultimately it does come back to longevity. Certainly.

00:28:45:13 – 00:28:49:08
Synergee
So how do you guys objectively measure financial wellness?

00:28:49:08 – 00:29:06:16
Jason
So it is subjective. Certainly. And one of the one of the things that that we are able to do is you are able to quantify certain aspects of it. So as an example, you know, let’s say we’re doing retirement planning and your goal is to hit a specific number.

00:29:06:18 – 00:29:31:08
Jason
Well, we can, we can, rationalize that based upon numbers so we can say, hey, you’re in great shape. Or, you know, we may need to play a little catch up here. So a lot of times the numbers can definitely quantify things. There are things that you aren’t able to quantify. So some of those things are actually, directly related to health.

00:29:31:10 – 00:29:53:21
Synergee
One of the biggest gaps that we struggle with as a society is filling the health care gap. Certainly, if folks are retiring early and waiting to hit, Medicare. And how do you fill that gap? Or even if you are on Medicare, if you do have a significant medical setback, what does that mean from a financial standpoint?

00:29:53:21 – 00:30:14:02
Jason
And a lot of those things are definitely unknowns. And you do have to, you know, quite frankly, just kind of guess some things. Now they’re educated to guess a certain way. And you can use the statistics of the surveys and, you know, things that that historically have happened in all of that information to make those educated guesses. But that is one of the struggles.

00:30:14:02 – 00:30:21:12
Jason
It is as it relates to the medical side. You know, on the planning process.

00:30:21:12 – 00:30:40:12
Jason
And I think, you know, I’ve seen Ellie as she’s, delivered, and both of you delivering reports to people where they can actually tangibly see that on paper, too. And so that kind of brings me to that question of, you know, we’re talking all the time about wellness plans as a whole.

00:30:40:12 – 00:31:12:00
Synergee
And one of the things is the languages around. What are you doing daily, weekly, monthly, quarterly, yearly to live? Well, so from a financial, wellness standpoint, do you guys ever, you know, sit down and, and are your plans called financial wellness or do you have rather than, like the in between when you lay out a plan, do you have strategic meetings in between to really check back in on that plan? Are they working on a plan?

00:31:13:14 – 00:31:34:18
Ellie
Like Jason was saying it, it’s so customized to the individual person’s goals. So what we would be measuring and looking at would be in direct relation to those goals. I think practically speaking, though, yes. Having a plan that has consistent and regular points of contact is really beneficial. It helps the client know where they’re at.

00:31:34:18 – 00:32:10:00
Ellie
It helps, you know, just keep everything cohesive as far as if there’s questions, if there’s changes, there’s a lot of practical things we can do as well. For example, having, you know, automatic contributions made into your retirement account. So you’re not having to think about that biweekly contribution. It just goes automatically, things like that, where you can hit those weekly, monthly kind of, those habits help those habits become so automated that they don’t add a lot of extra mental load to your busy day already.

00:32:10:02 – 00:32:33:15
Ellie
So things like that. Quarterly reviews, semiannual reviews, whatever. Again, customized to the client’s goals and needs, but, regular check ins to to touch base with them and, evaluate progress and all of that and help assist them if there is something that we’re not seeing the what the if you know, you’re not seeing the progress you’re hoping to how can we adjust things?

00:32:33:15 – 00:32:36:02
Ellie
How can we make it more, more functional?

00:32:36:02 – 00:32:51:17
Synergee
Is that standard, though, in the industry, or is that just something that you all do in your practice? Because there’s a whole group here that are listening that, you know, in each of you all, and we want them to be able to walk away and go, is this something I should be expecting?

00:32:51:19 – 00:33:02:12
Jason
So yeah. So in my opinion, I do think it’s something that certainly should be expected. The delivery of it varies y widely. Right. So depending on the firm you’re dealing with, the advisor said that you’re dealing with some, some firms have set time frames where they just do two reviews a year, and that’s just what they do.

00:33:14:10 – 00:33:40:14
Jason
Some are more fluid where it just depends on what’s happening in the marketplace or the client’s personality type. And that will drive more of how often those check-ins happened, and that we tend to fall more on that side of the ledger versus a very structured, you know, two, two times a year. And that’s said, as an example, earlier this year, the markets got a little, a little haywire, right.

00:33:40:16 – 00:34:14:23
Jason
As, information was coming out around tariffs and things of that nature. And we were doing a lot more communicating and checking in during that time period. Certainly because it was needed and, and the reassurance was needed and, and, that that matters. Certainly. The other thing I did want to mention is a lot of times when, especially when you’re looking at finances and retirement planning and investing and all of those things, a lot of folks will have, an image of like, their financial plan is there’s kind of a stock plan

00:34:14:23 – 00:34:21:07
Jason
and it’s not. It is extremely fluid, and it’s more like a living document, and it is constantly being updated and adjusted. And, because it’s like them, you know, things happen and something could happen magically, a surprise kid could show up, right? I had that happen in my life. I mean, there’s just so many things that happen that you need to have the flexibility built into whatever the plan is and not have stress or worry when things happen, because assume things are going to happen and that’s okay.

00:34:47:07 – 00:35:03:14
Jason
But, you know, don’t ever go into any of these plannings or when you’re projecting things and think, you know, this is going to be it, and if I do XYZ, I’m going to get here because somewhere along that path, the path is going to take a hard right, and you’ll just have to adapt to that. And that’s okay. And that that’s normal.

00:35:04:16 – 00:35:21:14
Synergee
And that’s why you have people in your life like yourselves that you can come to and really hash it out, work through it, talk about it. Because oftentimes I believe in that thinking, when we’re particularly when we’re stressed, we can’t see the forest for the trees. We have to have someone who knows our big picture, who knows where we want to go.

00:35:21:15 – 00:35:42:19
Synergee
Same thing with health care, knows where we want to go and can come alongside us when we really can’t see it, to help navigate through those tough times. So I would imagine, and I’m going to make this assumption that it could be very dangerous to not have a financial plan. Would you agree with that? I would, and it’s mainly based around just the uncertainty and what that uncertainty brings.

00:35:43:15 – 00:36:11:07
Jason
I cannot stress enough that having some form of a plan, preferably a very detailed plan, takes a level of uncertainty which ultimately leads to a very high level of stress over a long period of time. And it removes that. And it can be so uplifting. And it does have just a huge physical impact over the long term.

00:36:11:07 – 00:36:38:03
Synergee
Certainly. We have seen I have dealt with clients who have stressed to the point where they’ve come in the office and they’re literally losing clumps of hair because they’re just so stressed and and their anxiety levels are so high based around that, their fear that, that they’re not going to be able to retire at some point. And, and and that’s very unfortunate because it’s not needed and it’s very easy to do these things.

00:36:38:03 – 00:36:54:00
Jason
And they’re yeah, even if you feel that you’re not ready or wanting to work with someone, there are so many tools online that that everyone has access to where you can really do it yourself. But at least, you know, do something, because it makes a world of difference.

00:36:54:00 – 00:37:14:12
Synergee
So what you’re talking about, Jason, is setting up some financial disciplines, right? Setting up some ways of putting away money, whether you do that on your own or whether you reach out to an investor. But starting some type of practice, if we’re talking to our listeners that are young and they’re, you know, they’re just getting started, they’re trying to figure out what is the priority.

00:37:14:14 – 00:37:21:19
Synergee
Are there some rules of thumb of how much they should be putting back or investing on a monthly basis?

00:37:21:19 – 00:37:31:00
jason
the, the average, opinion that that you will hear that here, that’s pretty consistent is, is when you begin your, your work journey,

00:37:31:00 – 00:37:49:09
Jason
If you’re able to save anywhere between 15 to 20%, however you’re able to do it, then you will be very secure by the time you reach retirement. Now, of course, those numbers are going to adjust depending on where you’re at in that journey, right?

00:37:49:09 – 00:38:10:04
Synergee
So if someone who’s in their mid 40s, you know, may need to adjust that a little bit just depending on where they’re at. But especially if you’re a young starting out, 15 to 20% is a great number. And the other misconception is that doesn’t mean that you may, may be having to to save that 15 to 20%.

00:38:10:06 – 00:38:31:04
Jason
If you have an employer plan for one K plan where an employer’s matching 5%, well, now you’re only saving ten because your employer’s kicking in the other five, right? So there’s a number of ways that you can accomplish it. But that is certainly a great way to, to start if you wanted to kind of just some easy numbers.

00:38:31:04 – 00:38:41:21
Synergee
Yeah. Just starting with one of our new employees, 27 years old, just joined us and going over her 60 day review, I was like, have you started your investment plan yet?

00:38:41:23 – 00:39:00:09
Synerge
And she’s like, no, I just haven’t had a stop right now. This is what we’re doing next. Set it up. It matched. Yeah. There’s no reason why you shouldn’t be investing in at least getting the match piece to that. And you’re saying 15 to 20%. And if you start your life that way, that just becomes what you do and you learn to live on the rest, right?

00:39:00:09 – 00:39:10:01
Jason
Instead of getting all of your expenses in place and then having to figure out, what do I have left, that’s typically how we do a financial plan at that age. So

00:39:10:01 – 00:39:20:08
Jason
yeah, most times at that age there is no financial plan, right? Okay. Because there’s a lot of other thoughts going on that’s not related to

00:39:20:08 – 00:39:34:10
Jason
and 15 to 20%. Just to be clear, is that on gross or is that on net for seeding. So they would wind up being usually gross because the vast majority of folks are doing it through a retirement plan.

00:39:34:11 – 00:39:35:03
Jason
So even though it is gross, it doesn’t have as big of an impact as a net number because you’re getting the tax savings if it’s a traditional type of 401 K plan. So, you know, normally you would want to use something around your gross number, assuming you’re going to get some tax relief as you’re going through the process.

00:39:54:07 – 00:40:08:04
Synergee
So, you know, we work with a variety of different client ages. And so, how do you advise people to balance their savings for the future while living well today.

00:40:08:04 – 00:40:21:06
Jason
Yeah. So this comes up a lot. Right. And out here, out here, couples talk, in our office and one will say, well, oh, you know, we have a lot of fun on this boat.

00:40:21:08 – 00:40:44:02
Jason
And the other will say, well, it’s a complete waste of money. And then the debate begins, right. And, that’s certainly a difficult balance to achieve because we ultimately do need to live our lives and have enjoyment and and while still trying to secure our future. So what we always recommend to folks, this is where budgeting has a huge impact.

00:40:44:02 – 00:41:13:20
Jason
Regardless of what state you are in, in your your life cycle, if you don’t have some semblance of a budget or have looked at some semblance to create a budget, you’re missing out, quite frankly, because what it can do is they can provide a structure where and it’s also a relief where at the end of the day, once you tick mark all, all of your major goals, which you which again down the road is going to relieve just a ton of stress and anxiety.

00:41:13:20 – 00:41:44:12
Jason
But at the end of it, it’ll give you the number that you can spend and be confident in spending and have fun spending, because you know it’s not going to have a detrimental impact on your long term goals. So we really encourage folks to definitely do a budget if you’re married. We very much encourage to do a budget together because that does also help, again, bridge the gap between the spenders and savers and kind of forced couples into compromising, on paper.

00:41:44:12 – 00:42:02:04
Jason
And then they can hold each other accountable. So really starting with that, that budgeting process is how you begin to balance saving enough for your major goals while still being able to live your life and have fun. And do you know things that you want to do?

00:42:02:04 – 00:42:04:12
Synergee
So pause for a moment. Sorry, I got this picture of you and Ellie having to be mediators.

00:42:04:12 – 00:42:23:12
Jason
There’s a lot of mediation going on. Certainly. Now, Ellie is certainly the best in our office at this. Certainly. But there’s definitely a lot of mediation going on.

00:42:23:12 – 00:42:35:14
Jason
And that’s okay, because that’s part of the process. And I think that’s one of the other things that, that, that, a lot of couples will get stuck on is sometimes if there’s not an agreement, it’s just not ever addressed.

00:42:35:14 – 00:42:45:10
Jason
And that can be not so good from a financial standpoint. So there are folks like us out there that can act as mediators and help bridge that gap.

00:42:45:10 – 00:42:53:04
Ellie
And that’s a really good point. And I’m glad you brought it up. Absolutely. Yeah. Hi, Lori. And I believe that your help is your largest asset because without your help, you really can’t do much of anything else.

00:42:56:20 – 00:43:13:01
Synergee
Right? If your brain starts working. Well, if you’re not mobile, that creates its own set of challenges and expenses. And so is there a rule of thumb about investing in your health through your lifespan that would be helpful for our listeners to to understand a little bit better?

00:43:13:01 – 00:43:17:06
Synergee
So it’s very much individual driven because everyone’s health is different.

00:43:17:06 – 00:43:47:17
Synergee
Right. The place you’re at in life in general age, also has a huge impact. One of the things we encourage is if it is going to have a positive benefit physically, health, mentally, then it moves higher up on the priority list. And one of the main reasons is because the trickle down effect has an impact in every other aspect of your life.

00:43:47:17 – 00:44:26:15
Jason
So as an example, let’s say, you are having some health issues and it’s affecting you mentally and your anxiety is increasing significantly and you’re starting to have maybe it’s triggering some periods of depression or whatever the case may be. Well, those feelings and effects trickle down and impact all decision making. So, you know, as an example, let’s say you’re trying to make a financial decision, or if you’re having those feelings and you’re feeling very anxious and all of those things, it could it could impact how well you make that decision, which, again, could have a huge impact down the road.

00:44:26:17 – 00:44:47:17
Jason
Bleeding again, negative feedback feeding back into it just a continuation of high anxiety or depression or whatever the case may be. So it certainly has. It has a huge impact. And we would very much encourage clients to, to prioritize their health, both physical and mental.

00:44:47:17 – 00:44:55:02
Synergee
Is there a dollar amount though? You know, I was kind of thinking about it and I’m so glad you asked that question because we do talk about it a lot.

00:44:55:04 – 00:45:23:15
Synergee
And I do think that the generation right now that is coming up, that I think there’s more of a mindfulness around doing things for self-care because they’re seeing it all over social media. I’m just curious if there is or maybe there’s some speak in the area of the financial world around a particular percentage that should be put aside specifically for whether it be proactive or reactive health care expenses.

00:45:23:15 – 00:45:45:19
Jason
So again, it’s a moving number that that’s the and it’s a very difficult question to answer because it is such a moving number. One of those that depending on where folks are at life life cycle wise, one of the things that we do encourage is try and do something around between a five and 10% contribution to a health care savings account.

00:45:45:21 – 00:46:07:07
Jason
We we personally think that, those are going to be going to matter in the future, certainly just depending on with with all the uncertainty around health care in general around, what may or may not, be happening at it at a federal government level, that that kind of taking control and ownership yourself, is going to matter.

00:46:07:07 – 00:46:31:23
Jason
And health care savings accounts are a great vehicle to contribute into. And you can treat those as any other type of retirement account or investment account where while you’re putting money into it, you can be attempting to grow that money. So again, you can have the compounding effect. And over time, it can certainly have a huge impact on bridging the gap for medical expenses.

00:46:31:23 – 00:46:38:03
Jason
You know, just depending on what’s happening with yourself individually, or what may happen in the future.

00:46:38:03 – 00:46:52:23
Synergee
So now we’re talking dollars and cents, but I just want to encourage our audience and our listeners that, you know, all investments in health don’t have to do with dollars. It costs nothing to go for a walk. It costs nothing to go put your feet on the ground and breathe in the air.

00:46:52:23 – 00:47:20:07
Synergee
Right. It costs nothing to have a good conversation with your friend to offload some stress. So think about it not only in dollars and cents, but think about it in time. You are setting aside enough time. Are you budgeting enough time to truly care for yourself in a way that’s going to pay you back? So I love the dollars and cents talk, but I want to make sure we’re looking at our health comprehensively, too, in a way that is going to, like I said, pay us back in the long term.

00:47:20:07 – 00:47:23:02
Synergee
So those little things over time do matter.

00:47:23:02 – 00:47:45:02
Jason
I agree with that, certainly. And I think that kind of leads back to habits. Right. So, you know, if you make a habit of going for an evening walk every day, it starts to have a huge impact. And habits, you know, it certainly over time can impact it tremendously even though they seem small.

00:47:45:04 – 00:47:57:08
Jason
At the time. And I know Ellie has spoken with a number of folks about what types of habits to start and begin with, and I don’t know if you want to mention a couple that that might help people. Like, please. Yes, Sally, we would love to hear from you.

00:48:00:13 – 00:48:22:12
Synergee
I think making a habit of checking in regularly with yourself and where evaluating where your own priorities are, both in health and financial health. I know that’s more of an internal habit, but it helps you kind of it helps you check in. And I think it helps alleviate some stress sometimes on some of these things.

00:48:22:14 – 00:48:47:11
Synergee
You know, when you’re spending when you have an expense, say, a gym membership that, you know, is also an investment into your health and well-being long term. And so it can help to alleviate some of that stress on these decisions, when you can compare it back to your values and your priorities. So I think that just internal checking in on those kinds of things can really help.

00:48:47:13 – 00:49:10:15
Ellie
Practically though, yeah. I think setting time aside, I think something I run into a lot is people want to do these things. They want to set up the account, they want to start contributing whatever it is they want to do. They just. People are busy. I’m busy. I’m busy. You know, I think we’re all in that same boat a lot of times.

00:49:10:15 – 00:49:33:22
Ellie
And so making a habit to set aside a little bit of time, on whatever, whether that’s monthly or once a year, whatever that looks like, you know, on a personal level. But setting aside some time, making a habit of checking in on your finances, to look at them, to consult, you know, to to look at your plan and evaluate where you’re at.

00:49:34:00 – 00:49:36:17
Ellie
I think that can always make a really big difference to them.

00:49:36:17 – 00:49:55:11
Synergee
You know, they used to say that you know what a person’s priorities are. You would just look at their checkbook, right? Well, God, he carries a checkbook around anymore, right? So, I love what you just said, but that’s where my head is really taking some time to pause and maybe go to the bank account.

00:49:55:11 – 00:50:22:03
Synergee
And where are you spending your time and money? And does that align? Our word of the year’s congruence? That’s something we’re speaking to our clients regularly about is, you know, that’s that, that, that, that, alignment, if you will, of what they want to achieve and what they are actually doing right now. Is there that alignment because that in and of itself can create a lot of discord, depression, stress and everything that goes into that.

00:50:22:03 – 00:50:41:00
Synergee
And another thing you really said, and I and I love this, Ellie and I wanted to go back to it. You had mentioned putting that money aside for the gym membership, you know, are we currently using it? Am I using it? And then and then you look at that through the lens of is that really an expense or is that an investment?

00:50:41:02 – 00:51:07:03
Ellie
Yes. I think sometimes those words are really great where they don’t. They look at and I don’t know if this is a male or female thing with love, you know, maybe some banter around that. But looking at those, those moneys going out, differently, you know, when they do go to, you know, spend money at the gym or spend money in certain lab work or just different things related to their health, you know, is helping them to discern and change the verbiage.

00:51:07:03 – 00:51:10:21
Ellie
Just change the verbiage to this is an investment versus an expense.

00:51:10:21 – 00:51:16:20
Ellie
And what I would say to that is, if you’re spending the money for a gym membership and you’re not going, that’s an expense.

00:51:16:20 – 00:51:26:23
Ellie
If you’re spending money on labs and you’re not doing anything to change what you’re doing to affect those labs, that’s an expense. So it’s only an investment if you use it as an investment.

00:51:27:01 – 00:51:33:08
Synergee
In my mind, that’s how that’s the filter I use for myself. Like, am I going to do anything with this? Or is this just, you know,

00:51:33:08 – 00:51:48:05
Synergee
and it’s, you know, but I think, in my opinion, I think it it also kind of circles back to where, you know, folks may, may use that, trying to not have this, feeling of, failure.

00:51:48:07 – 00:51:52:11
Synergee
Right? So if they have that gym membership, even though they’re not going

00:51:52:11 – 00:52:15:06
Synergee
Well, they’ll get there eventually. It’s still cold. Yeah. They still go. Yeah. So once you cancel it you’re like, okay, well missed that one. Now I’m a real loser, right? Yeah. Yeah. And like you had mentioned the all or nothing thinking, you know, I think something I tell myself all the time is progress over perfection.

00:52:15:08 – 00:52:25:15
Synergee
We say it’s better to work on a good plan than wait, sit and wait for a perfect plan. You know that progress pays off. It.

00:52:25:15 – 00:52:34:14
Synergee
You build momentum. You build it. You gain experience. You get better at what you’re doing. Just like with working out. You know, you learn as you do it how to do it better.

00:52:34:16 – 00:52:52:05
Jason
So I think finances are very similar, where if you can get started and start a plan, you’ll fine tune, you’ll adjust, you’ll be flexible for what happens and whatever happens in life. But just getting started and not not making the goal perfection. I think it can be really helpful.

00:52:52:05 – 00:53:12:11
Synergee
So, Jason, you mentioned earlier budgeting. Are there some budgeting apps that you like or that you have found easy for customers to embrace and use? I know I use the smart dollar app at times, and that’s what our team has access to through Dave Ramsey. Are there others that you think would be helpful?

00:53:12:11 – 00:53:23:14
Jason
Yeah, that’s one of the one of the most popular ones is, the one for free through Dave Ramsey. And they have wonderful tools, on their websites certainly that also lead back to just how to budget.

00:53:26:19 – 00:53:48:21
Jason
And they even still have the one where you can print the, you know, the piece of paper and go through it with a pencil and pen, which a lot of folks still really want. Yeah. The apps range pretty broadly. Certainly there’s one through into it. That’s that’s a great one because when it, when it will do which a lot of these will, will do.

00:53:48:23 – 00:54:10:10
Jason
But they’ll directly link to your accounts. They’ll bring everything in as an aggregate. Has a nice format where you can kind of see an overview and all of those things. To be honest, these days, even at a bank level. So even with the apps that the banks offered, there are a lot of tools that are built into them that don’t cost anything extra.

00:54:10:16 – 00:54:32:19
Jason
You know, you don’t have to have to go get another app or keep up, you know, with more information. It’s just built into the system. And we strongly encourage folks to start there because they’re not increasing their costs. They’re looking at it anyway or should be okay. And it’s all built in but the Dave Ramsey one is an excellent choice.

00:54:32:19 – 00:54:34:12
Synergee
So can I get a little personal? Explore personalized health programs in Ridgeland MS to find out more of what we do and how we can support you.

00:54:39:06 – 00:55:00:15
Synergee
I tried a few financial planners and a few financial advisors, and I always ask my patients what they do. I get to know them. They’re like my family. And so I would have to say categorically, they are the most stressed out people, especially in the last few years. It’s like boiling, like a boil over boiling pot.

00:55:00:15 – 00:55:01:08
Jason
Right.

00:55:01:08 – 00:55:23:10
Synergee
And so what do you guys do to help dissipate that? Because, I mean, it’s a huge responsibility. I mean, you are in charge of people’s money, right? You’re helping them make huge decisions about their finances that impact the quality of their life ultimately. So what are some things that you guys do to help dissipate that stress and help you live the best life possible?

00:55:23:13 – 00:55:44:09
Jason
Well, I would of course, be for yourself, but myself personally, my wife is a workout fanatic. And she has, you know, bullied a drug, and got me over the finish line where that is certainly something that helps tremendously. And and you always hit, you know, it’s the end of the day. You don’t want to do something.

00:55:44:09 – 00:56:05:16
Jason
You’re tired. You know, you’ve been stressed all day. You just want to sit. But once you cross that line and you get yourself moving and and you know, get with whatever it is, biking or lifting weights or walking, golfing, whatever. At the end of it, there is a huge relief, certainly that that comes with that and that that has helped me.

00:56:05:18 – 00:56:24:15
Jason
The other part internally at or at a firm level is we have a lot of discussions about that. One of the things we strongly advocate is we are open about everything across the board, and if it is a very stressful time period, we know it, you know, in between ourselves and what’s happening with our clients, what’s happening in the markets, all of those things.

00:56:24:15 – 00:56:37:03
Jason
And we have general conversations about that, about why and, where that stress is coming from and how long it may last and all of those things. And just going through the process of communicating helps tremendously as well.

00:56:37:13 – 00:56:51:12
Jason
And I think it’s, you know, with Ellie, her strategy is a little different, if I remember correctly, because she still has young children, which adds to stress. That’s on top of, you know, everything else that’s going on.

00:56:51:12 – 00:57:00:00
Jason
But there’s so much fun. I mean, those hugs from those little ones. There’s nothing like getting that big hug, right? That just takes it all away.

00:57:00:00 – 00:57:08:02
Jason
Yeah. Minor and teenage years. So it’s kind of the reverse. Okay. These are stinky hugs right now. So

00:57:08:02 – 00:57:09:09
Synergee
So, Ellie, what about you?

00:57:09:09 – 00:57:21:08
Ellie
Yeah I, I definitely agree that exercise, in whatever form I have found to be one of the best ways to help me shift gears, especially if it has been a stressful day. It works wonders.

00:57:21:08 – 00:57:58:06
Ellie
I mean, truly, I think another thing that goes along with what Jason was saying, but, healthy boundaries is something that he is always encouraging, you know, in our workplace culture as well. But I’m really getting better. I think, you know, over the weekend focusing on something different and having having healthy boundaries where I’m you know, the goal is always to be you want to be attentive, you want to be on top of things, but also having those boundaries gives you a break from the stress, too, and allows you to come back to it more refreshed and more, focused.

00:57:58:08 – 00:58:14:16
Ellie
So I think that makes a huge difference for me personally. But yeah, it’s nonstop right now with my little guys. But that’s a great thing in itself too, because it really forces me to get out of work mode into mom mode and, you know, back and forth with Jason. I want to give kudos for you for really encouraging those boundaries in your workplace.

00:58:21:07 – 00:58:38:23
Jason
It is so important. I tell my team all the time, we’re playing the long game, not the short game, and we need to be mindful of the taxing effect that just dealing with other people’s lives has on us personally, and honor that and take the time and set those boundaries so that we have time to recover and show up our best every day.

00:58:39:02 – 00:59:01:01
Synergee
Yeah, it is. And I think one of the challenges is we are all very committed, you know, to work at what we do. And there are times where you take that commitment and you use that as justification to, not take personal time. Right? Or, not shut it off at 9:00 at night or whatever the case may be.

00:59:01:01 – 00:59:14:03
Synergee
And, and it just, you know, it doesn’t work and you need you need that hard stop to, you know, recharge and, and, have the time for yourself and your family. Certainly

00:59:14:03 – 00:59:32:07
Synergee
Now I’m treating an engineer right now that has not had a vacation in 20 years. He gets up at 3: 30 in the morning, goes into the office before everybody gets there because he likes to work in the quiet, stays until five, works on the weekends.

00:59:32:09 – 00:59:59:19
Synergee
And I’m like, wow, how do I even start the conversation of like, how to make this right? Right. I do go on a vacation first and then come back to see me. But it is so important we can get into some habits, and those are just habits that we’ve gotten used to over time. And if there’s not someone in our life saying, hey, that’s really not okay long term, it can be just becoming a way of life in a way of chronic stress that undermines everything we’re trying to do.

00:59:59:22 – 01:00:19:17
Synergee
It’s been so good we could probably sit here and talk forever. This has been a really good conversation and so many other questions that we could raise. And perhaps at some point, maybe doing a part two just to dig a little bit deeper as we see the evolution of change happening in the world today. Right, because it’s happening so fast.

01:00:19:18 – 01:00:36:15
Synergee
I would like to ask you just a question. As we exit, this would be, for Jason and for Ellie, separately. But what’s one piece of advice that you would give to someone who feels stuck financially but wants to reclaim control? As we leave today?

01:00:36:20 – 01:01:01:13
Jason
And this is a tough answer because it is individualized internally, right, for each person. But it is having the confidence to take the first step. Now that first step could be, calling someone like me. That first step could be doing a Google search on how to plan for retirement. Could be, you know, going to the Dave Ramsey website and downloading a budget sheet.

01:01:01:15 – 01:01:21:11
Jason
It’s different for everyone, but having and building the courage to take the first step has a huge impact. Because, you know, the journey starts with the first step. Once you’re on it, momentum carries you. And I think that that is very true. And it can have a huge impact, throughout the course of your life.

01:01:21:11 – 01:01:47:20
Synergee
Certainly. And you’re speaking about any age, any age and everyone’s goals and what they’re trying to accomplish and fears and concerns are different, but the answer is always the same. You know, if you’re in retirement as an example and you’re worried about, is my money going to last, call somebody, ask them. That’s the first step, right? If you’re 20 years old and you’re just trying to figure out, okay, you know, I just got a job.

01:01:47:20 – 01:01:59:03
Synergee
What do I do? Do a Google search, call somebody, take the first step. So it always comes back to kind of the same answer regardless of where you’re at. You know, in your life cycle.

01:01:59:03 – 01:02:12:19
Jason
yeah, I think that I agree with all of that. I mean, I think yeah, I would, I would I, I agree taking the pressure off to make the perfect first step and just take a first step, whatever that looks like for the individual situation.

01:02:12:19 – 01:02:18:20
Jason
But move forward and give yourself grace to not know all the answers right away.

01:02:18:20 – 01:02:32:05
Synergee
Reminds me of a pressure cooker. And you just have to release it, right? And release it somewhere. So in saying that, you know, of course we want to give some good guidance on how to choose. You say go online and just do a Google search.

01:02:32:07 – 01:02:52:17
Jason
But there’s got to be some qualifications and maybe some things that you would advise to look for specifically in someone to, to align themselves with. There are a few key things to look for. There are. So you certainly want to look for accreditations experience. There is what’s called brokercheck through, the regulatory regulatory body Finra.

01:02:58:10 – 01:03:29:05
Jason
If you just Google broker check, you can check anyone’s credentials, qualifications, how long, you know, they, they’ve been in business, all of those things. That’s a great place to start. Don’t be afraid to have conversations with multiple parties. We always encourage that one of the, one of the, biggest things that we recommend is make sure you have a very good personality fit with the person you’re working with because you could have someone who is providing great advice.

01:03:29:05 – 01:03:51:16
Ellie
But if the communication is lost just because it’s just not a good fit, there’s going to be, you know, it’s going to cause complications at some point or you may not be interpreting it correctly, those kinds of things. So make sure that the personalities are good and good fit. In general, though, you want to make sure that the companies or firms that you’re working with are reputable.

01:03:51:16 – 01:04:06:20
Ellie
Certainly. Google is a wonderful machine. You can look up, you know, how they do customer reviews, all all of those things. But doing your homework in general, as you would with any service, I think is the most important part.

01:04:06:20 – 01:04:24:17
Synergee
And what I hear you saying is an interview and it’s okay. Right. And I could imagine that, you know, someone who’s quite tech savvy or maybe doesn’t mind emailing communication is one thing, but to go back to what was said earlier is, you know, do you want to have sit downs and strategies more often?

01:04:24:17 – 01:04:44:18
Synergee
And how many are right for you? I like to feel that feeling of comfort and trust. So, as we head off of here, first of all, thank you so much for taking time out of your schedule today for a very, very important conversation. How do people get in touch with you? And can they, where are you located? Are you taking new clients? So just give us a little bit of information on that.

01:04:44:20 – 01:05:06:10
Jason
Yeah. We are located in the beautiful city of Wildwood, Florida, which I never thought I would say, 20 years ago and which is really located in the Villages. Our website is all wealth.com and our direct numbers. (352) 750-3051.

01:05:12:22 – 01:05:46:11
Jason
And we are taking clients, we, we, we have a role that we will have a conversation with anyone, regardless of their, their status or, their assets or regardless of where they’re at in their life. We very much encourage everyone in our office to have conversations. If we are not a good fit, we we will certainly recommend someone who we think might be or an avenue that we think might be, so don’t be afraid to call and just just have that talk.

01:05:46:11 – 01:05:50:13
Synergee
So, Jason, are you guys licensed outside of the state of Florida?

01:05:50:13 – 01:06:07:01
Jason
We are, we license it. It’s what’s called a just in time license. What that means is that, if we’re working with a client and we happen not to be licensed in the state, the license kicks out at the same time we carry federal securities licenses.

01:06:07:03 – 01:06:27:09
Jason
So it bleeds down into, you know, state specific licenses. I would have to pull up the list. Oh. Okay. So just curious that our listeners are all over. I just wanted to put that out there. Yeah. And we have clients in Massachusetts and New York and Georgia and Texas. I mean, we have them all throughout the country. Thank you so much. Thank you guys for having us. I appreciate it.

01:06:33:07 – 01:06:50:11
Synergee
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01:06:50:11 – 01:06:59:17
Synergee
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