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Rick Miller, Founder of Miller Wealth Planning, Interviewed on the Influential Entrepreneurs Podcast, Discussing Hedging the Long-Term Care Risk

Rick Miller discusses hedging the long-term care risk 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/rick-miller-founder-of-miller-wealth-planning-discussing-hedging-the-long-term-care-risk/
In this episode of Influential Entrepreneurs, Mike Saunders had the pleasure of speaking with Rick Miller, the founder of Miller Wealth Planning, about the critical topic of hedging the long-term care risk. Rick, with his 27 years of experience as an independent financial advisor, shared invaluable insights into the complexities and challenges of long-term care preparation in America. 
In the realm of financial planning and personal health management, long-term care (LTC) risk is a subject that frequently eludes the attention it deserves. As highlighted in a recent episode of the podcast, Rick, the founder of Miller Wealth Planning, the conversation around long-term care reveals a significant gap between awareness and preparation. While many individuals recognize the potential need for long-term care, few actively plan for it, often leading to dire consequences when the need arises. 
Long-term care encompasses a range of services and support for individuals who are unable to perform basic daily activities due to chronic illness, disability, or aging. The need for such care can arise unexpectedly, and it poses a unique set of challenges for both individuals and families. As Rick Miller points out, there are multiple unknowns associated with long-term care: whether one will need it, how long the care will be required, and the associated costs. These uncertainties contribute to a general sense of complacency among many, who may dismiss the need for planning as a distant concern. 
Despite the increasing prevalence of chronic conditions and an aging population, long-term care preparation remains alarmingly low in America. Many people operate under the assumption that they will not require long-term care or that their family will be able to provide the necessary support. However, this optimistic outlook often fails to account for the realities of aging and health deterioration. The podcast discussion underscores that without proper planning, individuals may find themselves unprepared for the financial and emotional toll that long-term care can impose. 
The financial ramifications of inadequate long-term care planning can be severe. The costs associated with long-term care can quickly escalate, often reaching tens of thousands of dollars annually. For many, this represents a significant portion of their retirement savings, leading to financial strain and potential loss of assets. The lack of preparation can also place an undue burden on family members, who may have to step in to provide care or manage finances during a crisis. As Rick Miller emphasizes, understanding the potential costs and having a plan in place is crucial to mitigating these risks. 
To address the long-term care risk effectively, individuals must move beyond mere awareness and take proactive steps toward planning. This includes researching long-term care insurance options, exploring savings strategies, and having open conversations with family members about potential care needs. Financial advisors like Rick Miller play a vital role in guiding clients through this process, helping them to understand their options and the importance of preparing for the unexpected. 
To conclude, long-term care risk is a critical issue that is often overlooked in personal financial planning. As discussed in the podcast, the uncertainty surrounding the need for long-term care, its duration, and its costs can lead to a dangerous lack of preparation. By acknowledging the realities of long-term care and taking proactive steps to plan for it, individuals can protect themselves and their families from the financial and emotional challenges that may arise in the future. The conversation about long-term care risk must continue, encouraging more people to confront this often-ignored aspect of their financial well-being. 
Rick shared: “Well, part of that is the insurance company’s inability to quantify from an underwriting standpoint, the reality of this risk. When people buy long-term care insurance policies, keep them. The traditional insurance kind of life insurance policy, they have high lapse ratios.” 
Video Link: https://www.youtube.com/embed/8PnM0jrnRIU 
About Rick Miller 
At Miller Wealth Planning, we provide Doctors, business owners and other high net worth individuals a comprehensive, bullet-proof financial plan. Rick has put together an exceptionally talented and experienced team to show you how to manage the numerous risks high net-worth professionals face. 
These risks include tax risk; market risk; longevity risk (running out of money); inflation risk; long term care risk, lawsuit risk and loss of income risk among others. Your freedom from worry is our objective. 
Rick credentials include Certificate in Financial Planning, IRMAA Certified Planner, Certified Dementia Practitioner, and Investment Advisor Representative. 
Rick has a Master’s degrees in English and Counseling along with broad experience in business creation, real estate investing and more. 
Learn more: http://millerwealthplanning.com 
The opinions expressed on this show by the host and Fredric W. (Rick) Miller are their own and do not reflect the opinions of this radio or television station.  All statements and opinions expressed are based upon information believed to be reliable. Although it should not be relied upon as such. Any statements or opinions are subject to change without notice.

Owen Edwards, Certified Financial Fiduciary®, Explains the Retirement Red Zone on KZTV10’s Coastal Living

Owen Edwards, recently appeared on KZTV10’s Coastal Living to discuss a critical concept known as the “Retirement Red Zone.” During the segment, Edwards outlined what individuals should consider in the crucial years leading up to retirement and why shifting strategies is essential for long-term financial security. 
The Retirement Red Zone is defined as the five years before and the first five years after retirement. According to Edwards, this is the most financially sensitive period of a person’s life. While younger investors can comfortably ride out market swings because they have time to recover, those approaching retirement face a much smaller margin of error. The focus must shift from simply accumulating wealth to preparing to depend on those savings for a reliable income stream. 
A major risk during this transition is experiencing a market drop early in retirement while actively withdrawing income. Without a strategic plan, retirees may be forced to sell investments at a loss, permanently reducing the lifespan of their portfolio. To combat this, Edwards emphasizes the importance of moving from an investment plan to an income plan. This involves understanding the sources of retirement paychecks, such as Social Security, retirement accounts, and pensions, and coordinating them effectively. 
Edwards also highlights the necessity of understanding taxes and determining a safe withdrawal rate. Retirement planning is no longer just about growing money; it is about ensuring those assets last a lifetime. By proactively addressing these factors, individuals can achieve clarity and confidence as they navigate the complexities of their financial future. 
“The retirement red zone is the five years before retirement and the first five years after. And that’s the most financially sensitive period of your life,” said Edwards. “Once retirement is close, the margin of error gets much smaller. So you’re no longer just saving money, you’re preparing to depend on it for income. And that transition requires a completely different strategy.” 
Edwards added, “The most important step is to move from an investment plan to an income plan. That means understanding where your retirement paycheck will actually come from… Because retirement isn’t just about growing money anymore. It’s about making sure it lasts for a lifetime.” 
Watch the full interview on KZTV10 Coastal Living here: Interview with Owen Edwards of Edwards Investments 
 
About Owen Edwards 
Owen Edwards was born and raised in Northeastern Pennsylvania, where he continues to live and serve his community through his financial advisory practice. Beginning his 30th year, he is dedicated to empowering individuals and families to achieve financial freedom through education, bringing clarity to complex choices and guiding them toward confident, informed decisions. Owen is a Certified Financial Fiduciary® and holds a Certificate in Financial Planning from Boston University. 
Learn more: https://edwardsinvestments.com/ 
Advisory services are offered through Royal Fund Management, LLC, Royal Fund Management LLC is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance products offered through Edwards investments LLC. Insurance guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products. 

David Denning, Co-Founder of Jumpstart Go, Interviewed on the Influential Entrepreneurs Podcast Discussing From Cold Calls to Connections

David Denning discussing from cold calls to connections 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-david-denning-co-founder-of-jumpstart-go/
In this episode of Influential Entrepreneurs, Mike Saunders had the pleasure of speaking with David Denning, co-founder of Jumpstart Go. David shared his fascinating journey into the world of marketing for financial professionals and insurance agents, highlighting how he and his spouse transitioned from a diverse marketing background to focusing specifically on helping these professionals succeed through social media. 
In the realm of financial services and insurance, the traditional approach to client acquisition has often revolved around the concept of “smile and dial.” This method, characterized by relentless cold calling, has been the go-to strategy for many professionals seeking to expand their client base. However, as David Denning, co-founder of Jumpstart Go, elucidates in a recent podcast episode, this approach is not only outdated but also ineffective in fostering the trust and authority essential for success in these industries. Instead, Denning advocates for a paradigm shift toward relationship-building through organic social media strategies. 
The fundamental flaw in the cold calling model lies in its inherent lack of personal connection. When financial professionals are instructed to make hundreds of calls each day, they often find themselves in a transactional mindset, where the focus is solely on the numbers rather than on meaningful interactions. This “frown and drown” approach, as Denning aptly describes it, can lead to burnout and disillusionment. In contrast, building relationships is a more sustainable and rewarding strategy. It allows professionals to engage with potential clients on a human level, fostering trust and establishing authority—two critical components in the financial services landscape. 
Denning emphasizes that the insurance and financial advisory sectors are fundamentally relationship-driven. Clients are making significant decisions regarding their money and future, and they need to feel a sense of trust in the individuals guiding them. Cold calls, often perceived as intrusive and impersonal, do little to instill that trust. Instead, professionals should focus on leveraging social media as a tool for authentic engagement. By sharing valuable insights, personal stories, and industry knowledge, financial advisors can position themselves as trusted authorities in their field, attracting clients organically. 
One of the key advantages of utilizing social media for relationship-building is the ability to connect with a targeted audience without the pressure of a sales pitch. Denning suggests that professionals should concentrate on a single platform where they can effectively engage with their audience, rather than spreading themselves too thin across multiple channels. This focused approach not only allows for deeper connections but also enhances the likelihood of generating referrals and leads. By consistently providing valuable content and engaging with their audience, financial professionals can cultivate a community that trusts their expertise and is more likely to seek their services. 
Moreover, the modern consumer is increasingly discerning and informed. They often conduct their own research before making financial decisions. In this context, the role of the financial advisor shifts from being merely a salesperson to becoming a valuable resource and partner in the decision-making process. By prioritizing relationships over cold calls, professionals can position themselves as trusted advisors who are genuinely invested in their clients’ well-being. 
In conclusion, the shift from cold calling to relationship-building is not just a trend; it is a necessary evolution in the financial services and insurance industries. As David Denning highlights, the focus should be on establishing trust and authority through meaningful interactions, particularly in the age of social media. By embracing this approach, financial professionals can create lasting connections with their clients, ultimately leading to sustainable growth and success in their businesses. The future of client acquisition lies not in the number of calls made, but in the quality of relationships forged. 
Video Link: https://www.youtube.com/embed/B_xM5yN8coo 
David shared: “Well, and you’re going to get burnt out, because honestly, it’s not even 100 anymore. Contact rates drop so low. People are doing 300 to 500 a day. And it’s the exact opposite of what we’re going to dive into and talk that I know you believe and I believe, too.” 
 
About David Denning 
David Denning is the co-founder of Jumpstart Go, along with his wife and partner, Elle. They help insurance agents and agencies build a predictable pipeline without buying leads or cold calling. Their strategies focus on practical organic social media marketing, referral partner systems, and simple processes that turn content into conversations and conversations into clients. David and his team have worked with more than 1,000 agents across all lines of insurance, and they lead a Facebook group of more than 36,000 insurance professionals called “Marketing for Insurance Agents”. Their frameworks have helped agents take control of their own marketing & lead generation to scale more profitable and have fun being authentic at the same time. David loves enjoying every moment of life and enjoys pickelball, mixology, and traveling/working around the world with Elle. 
Learn more: https://jumpstartgonow.com/action-call/  

Rey Perez Announces Exclusive “Speaking & Sales Mastery” Experience in Salt Lake City Featuring Dan Clark, Carl Gould, and Sir Dr. James Dentley III 

SALT LAKE CITY, UT Global branding authority and business growth strategist Rey Perez announces Speaking & Sales Mastery, an exclusive, high-level live experience curated for faith-based, heart-centered, and purpose-driven founders, CEOs, entrepreneurs, and business professionals committed to expanding their influence, authority, and revenue through elite-level communication. 
https://WhoisReyPerez.com 
Designed as a premium, results-driven environment, Speaking & Sales Mastery brings together a select group of growth-minded leaders for immersive, advanced training on leveraging one-to-many communication across stages, media, and digital platforms to accelerate business growth and amplify impact. 
With over two decades of experience, Rey Perez is widely recognized for building influential personal brands and scaling founder-led companies through strategic branding, marketing, and PR. Through Team Rey Perez, he leads a world-class team of experts dedicated to positioning clients as the trusted authority in their space, enabling them to attract higher-value clients, increase conversions, and drive exponential growth while staying aligned with their mission. 
https://TeamReyPerez.com 
Co-hosting this elite experience is Hall of Fame speaker and New York Times bestselling author Dan Clark, known globally for his ability to transform leaders through powerful storytelling, conviction, and communication mastery. 
Further elevating the caliber of the event, Rey Perez has intentionally brought in two distinguished guest speaker trainers: 

Carl Gould, renowned business growth expert and co-founder of 7 Stage Advisors, will deliver advanced frameworks on scaling businesses, increasing profitability, and optimizing strategic positioning for long-term success.
Sir Dr. James Dentley, internationally respected speaker and change catalyst, will guide attendees through transformative insights on mindset, opportunity recognition, and high-level decision-making that drives accelerated results. 

“This is not an introductory speaking event. This is a mastery-level experience for leaders who are ready to refine their message, elevate their presence, and convert their communication into measurable business growth,” said Rey Perez. “In today’s marketplace, your ability to communicate with clarity, conviction, and authority determines your level of income and influence.” 
Video Link: https://www.youtube.com/embed/TKi13csy3xc
Participants will engage in a highly curated experience focused on: 

Refining and delivering high-converting messages that attract premium clients
Structuring and presenting sophisticated, irresistible offers in one-to-many environments
Leveraging stages, media, podcasts, and digital platforms to build authority at scale
Increasing revenue through authentic, relationship-driven communication strategies
Elevating personal and brand positioning to command greater trust, credibility, and influence 

https://SpeakingandSalesMastery.com 
Unlike traditional events, Speaking & Sales Mastery is intentionally designed to foster a focused, high-caliber environment where serious business leaders can refine their communication strategy and immediately apply it to generate measurable results. 
Aligned with its mission-driven foundation, a portion of the proceeds from the event will benefit Influence With Love, supporting youth based initiatives dedicated to creating meaningful impact through purpose-driven leadership and service. 
https://InfluenceWithLOVE.org 

Jeremy Lach, President of Empire Marketing Partners, Shares Why Top Producers Can Outgrow Big Box IMO’s on TV Interview

Jeremy Lach, President of Empire Marketing Partners, was recently featured on TV interview, where he revealed why top annuity producers often outgrow big box IMOs and how independent financial professionals can scale their production without burning out. 
With over 20 years of experience in the financial services industry, Lach has built a reputation for strengthening distribution channels and helping independent insurance reps, RIAs, and Registered Representatives grow their businesses with intention and discipline. During the interview, he broke down the hidden growth ceilings that advisors often encounter with large scale IMOs and the importance of finding a partner that supports advisors from day one. 
“The larger a firm gets; advisors can kind of become more of a production number. I mean, not really a partner,” said Lach. “That is when the focus is mainly on your volume and not really your personal growth. At Empire Marketing Partners, we believe in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy.”
Lach also addressed a common pain point in the industry: the feeling of isolation and lack of personalized support as advisors try to scale. His mission is to help independent financial professionals build a lasting legacy by fostering a strong culture that values loyalty, shared standards, and sustainable growth. 
In today’s ever evolving financial landscape, many professionals begin their careers with large organizations to learn the ropes. While these IMOs provide initial stability, they may also impose restrictions such as specific product offerings, rigid commission structures, and a lack of autonomy. By transitioning to a more entrepreneurial environment, advisors can break free from these constraints and gain the freedom and resources necessary for true growth. 
However, it is essential to align with a stable, strategic partner that operates like family. By doing so, financial professionals can navigate the complexities of scaling their business effectively and confidently, ensuring they are not just another cog in the wheel but are genuinely supported.  Growth requires more than just product access; it requires infrastructure and guidance.   
Lach shared: “Higher compensation does not mean anything if there really is not any support. We want to create an environment where people feel valued but also challenged.  When you get both right, that’s where real growth happens. We are committed to proving that through service, experience, and consistency, we bring more value than anyone else in the space.” 
Watch the full interview on The Morning Blend TV show here: Interview with Jeremy Lach of Empire Marketing Partners 
About Jeremy Lach 
Jeremy Lach is the President of Empire Marketing Partners. His career began in retail financial services in 1999, and he has since dedicated himself to helping independent financial professionals grow. He focuses on supporting advisors operationally and strengthening his brand and influence within the industry, aligning with like minded professionals committed to growth and long term impact. 
Learn more: http://www.empiremps.com/ 
Recent News & Interviews:

Jeremy Lach Discussed Why Top Annuity Producers Outgrow Big Box IMOs https://authoritypresswire.com/jeremy-lach-president-of-empire-marketing-partners-interviewed-on-the-influential-entrepreneurs-podcast-discussing-why-top-annuity-producers-outgrow-big-box-imos/
Jeremy Lach Discussed going From Annuity Producer to Recognized Retirement Expert https://authoritypresswire.com/jeremy-lach-president-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-going-from-annuity-producer-to-recognized-retirement-expert/
Jeremy Lach Discussed Building a Family-Centered High-Performance Advisor Community https://authoritypresswire.com/jeremy-lach-president-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-building-a-family-centered-high-performance-advisor-community/
Jeremy Lach Discussed Scaling to 8-Figure Annuity Production Without Burning Out https://authoritypresswire.com/jeremy-lach-president-of-empire-marketing-partners-interviewed-on-influential-entrepreneurs-podcast-discussing-scaling-to-8-figure-annuity-production-without-burning-out/

Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals.  The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice.  Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public.  Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements.  Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier.  Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions. 

Salt Lake City to Host Transformational Business Growth BootCamp for Purpose-Driven Entrepreneurs

Salt Lake City, UT —Business Growth Strategist Rey Perez is bringing a powerful, results-focused experience to Salt Lake City with his upcoming Business Growth BootCamp, a three-day immersive event designed for founder-led businesses ready to align purpose with profit and scale with intention. 
With over 20 years of experience in branding, marketing, and business growth strategy, Perez has supported entrepreneurs across multiple industries in transforming their message into measurable momentum. Through his work alongside a full-service team of experts, designers, Copywriters, video editors, web developers and marketing strategists, he has become known for guiding founders to elevate their authority, increase visibility, and generate sustainable growth for their brand and business. 
The Business Growth BootCamp is specifically curated for faith-based, heart-centered, purpose-driven entrepreneurs who are seeking more clarity, structure, and scalable growth systems without relying solely on paid advertising. 
“This event is about showing founders what’s truly possible when their brand, message, and mission are aligned,” said Perez. “When you build from purpose and lead with intention, growth becomes a byproduct of clarity, not confusion.” 
Over the course of three days, attendees will gain practical frameworks and real-world strategies across branding, marketing, promotions, and sales. The experience is designed to support business owners and their marketing team: 

Clarifying their brand positioning and authority in the marketplace
Creating consistent and predictable lead generation systems
Converting more opportunities into aligned clients
Building trust-driven businesses that naturally increase referrals
Aligning their business model with their deeper mission and values 

In addition to the live event, Perez and his team offer a Fractional vCMO Program, providing founder-led companies generating under $10 million in annual revenue with executive-level branding and marketing leadership without the overhead of a full-time Chief Marketing Officer or full creative department. This program supports businesses in implementing long-term growth strategies, building high-performing marketing ecosystems, and scaling with clarity and confidence. 
https://FractionalvCMO.com 
At the core of Perez’s work is a deeper mission. A portion of all business initiatives directly supports Influence With Love, a nonprofit organization dedicated to supporting under-privileged youth globally, through service, leadership, and community-driven initiatives. 

Video Link: https://www.youtube.com/embed/
“This is bigger than business,” Perez added. “Everything we build is designed to create a ripple effect, where successful businesses become vehicles for greater impact, generosity, and meaningful change.” 
https://InfluenceWithLOVE.org 
The Business Growth BootCamp will take place in Salt Lake City, Utah, from April 22–24 and is expected to attract a select group of committed entrepreneurs ready to grow their businesses with purpose and integrity. 
For more information about the event or the Fractional vCMO Program, please visit: 
https://BGB360.com
 
About Rey Perez 
Rey Perez is a Global Branding Expert and recognized Business Growth Strategist who supports founder-led businesses in turning their message into measurable growth while scaling their brand and business. Through strategic branding, marketing systems, and leadership-driven execution, Rey and his team partner with purpose-driven entrepreneurs to build trusted, scalable, and impact-focused companies. 
https://WhoisReyPerez.com 

Renée Kennedy, President of AAA Life Solutions, Achieves Amazon Bestseller Status with New Book “Fangs in Your Finances”

Memphis, TN, March 2025 — Renée Kennedy, President of AAA Life Solutions and a seasoned financial professional with over 25 years of industry experience, has achieved Amazon Bestseller status with her highly anticipated new book, Fangs in Your Finances. The book has rapidly climbed the Amazon charts, reaching #1 Best Seller in three categories: Life Insurance, Social Security, and Financial Services. In addition, the book has claimed the #1 Hot New Release designation in all three of those same categories, underscoring its immediate resonance with readers seeking practical, trustworthy guidance for their financial futures.
Amazon Bestseller Rankings at a Glance
#1 Best Seller Life Insurance#1 Best Seller Social Security #1 Best Seller Financial Services #1 Hot New Release Financial Services #1 Hot New Release Life Insurance #1 Hot New Release Social Security
About the Book
Fangs in Your Finances offers a bold and innovative approach to personal and business financial planning. Kennedy shares powerful lessons through four common retirement traps, each illustrated by real-life snake encounters. These vivid analogies reveal how hidden dangers, overconfidence, and a lack of preparation can quietly threaten one’s financial future. The book serves as a vital resource for individuals and businesses aiming to build tax-free retirements, secure long-term care, and establish robust death benefits.
Fangs in Your Finances is available now on Amazon
What Renée Kennedy Says
“Our priority is always our clients and their financial stability, which is why we listen to their objectives and design innovative, personalized strategies that meet their unique needs. This book is an extension of that mission, providing readers with the knowledge they need to navigate uncertain times and protect what matters most to them and their families.”
— Renée Kennedy, President, AAA Life Solutions
About AAA Life Solutions
Renée Kennedy brings over 25 years of industry experience to the table. Our priority is always our clients and their financial stability, which is why we listen to their objectives and design innovative, personalized strategies that meet their unique needs. Our focus is on customizing employee benefits plans for businesses to reduce or eliminate costs, while offering tax savings. We also specialize in life insurance strategies, 401(k) rollovers, and more to help individuals and businesses build tax-free retirements, secure long-term care and death benefits, and more.
At AAA Life Solutions, we always put clients first, with excellent customer service and up-to-date insurance strategies tailored to their individual needs. We do our due diligence to ensure that we make the right decisions for our clients, knowing that our choices will affect them for a lifetime. 
Learn More: https://aaalifesolutions.com/
 
 
 
 
 
 
 

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