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Revenue Growth Strategist Rey Perez Launches Business Leaders of America Magazine and Podcast

American Fork, UT October 3, 2026
New media platform will spotlight entrepreneurs, founders, CEO’s and business leaders while connecting business visibility with a give-back initiative supporting Influence With Love
Revenue Growth Strategist and Global Branding Expert Rey Perez has announced the launch of Business Leaders of America Magazine and Podcast, two new media platforms created to share the stories, strategies, and experiences of entrepreneurs, founders, CEO’s, and business leaders from across the country.
The launch expands Perez’s work in branding building, authority positioning, and business growth into a media platform focused on the people behind growing companies. Business Leaders of America will feature interviews, profiles and educational content exploring how entrepreneurs build businesses, navigate challenges, develop teams, create impact and pursue sustainable growth.
“Some of the most valuable business lessons come from hearing how another entrepreneur actually built their company, including the decisions, challenges and relationships behind the success,” said Perez. “Business Leaders of America was created to give those stories a platform and allow leaders to share what they have learned with the next generation of entrepreneurs.”
The magazine and podcast will provide multiple opportunities for business leaders to participate, including being interviewed, contributing expertise, receiving editorial consideration, and supporting the platform through sponsorship and strategic partnerships.
Video Link: https://www.youtube.com/embed/tvH0a6fXzGU
Perez said the initiative is also designed around a principle that has become increasingly important across his companies: business growth and social impact do not have to be separate objectives.
As part of the launch, Business Leaders of America is introducing a Socially Conscious Business Partnership Program that will connect participating companies with opportunities to support Influence With LOVE, an initiative focused on giving back and creating positive impact.
Through the partnership program, businesses can gain visibility while contributing to a broader social mission. The initiative reflects Perez’s belief that entrepreneurs can use their companies, resources, and influence not only to generate revenue, but also to strengthen communities and support meaningful causes.
“We want to recognize leaders not simply for what they earn, but also for what they contribute,” Perez said. “Entrepreneurs have an incredible ability to create jobs, opportunities and change. Our goal is to build a community where business growth, influence and giving back can work together.”
https://influencewithlove.org/#scb
The new media platform is a natural extension of Perez’s work as a Revenue Growth Strategist and Global Branding Expert. Through Team Rey Perez, he works with entrepreneurs and founder-led businesses on revenue strategy, brand development, marketing and authority positioning.
Perez has also spent years creating live business events and networking experiences designed to connect entrepreneurs with education, relationships and opportunities for collaboration. Business Leaders of America brings those conversations into an ongoing print, digital and podcast format capable of reaching audiences beyond the events themselves.
https://teamreyperez.com
Rather than focusing exclusively on company size or financial success, the platform will explore the broader journey of leadership, including the decisions that shaped a company, lessons learned from setbacks, strategies that generated growth and the ways business owners are using their influence to serve others.
Business Leaders of America will accept applications and nominations for entrepreneurs and business leaders interested in being considered for upcoming magazine features and podcast interviews. The publication will also offer contributor and sponsorship opportunities for organizations seeking to participate in the growing business community.
The magazine and podcast are expected to feature founders, CEO’s and entrepreneurs from a range of industries and stages of growth, creating a collection of practical business perspectives while introducing audiences to the people and stories behind emerging and established companies.
For Perez, the launch represents a larger vision for what business media can accomplish.
“Visibility has greater value when you use it for something bigger than yourself,” Perez said. “We want Business Leaders of America to celebrate business success while encouraging leaders to use their voice, resources, and influence to create an impact that extends beyond their company.”
http://businessleadersofamerica.com/
About Rey Perez
Rey Perez is a Revenue Growth Strategist and Global Branding Expert who works with entrepreneurs and founder-led companies to identify growth opportunities, strengthen market positioning and develop strategies designed to increase revenue and brand authority. He is the founder of Team Rey Perez and creator of business education, branding, media and live-event initiatives serving entrepreneurs and business leaders.
https://whoisreyperez.com

George McReynolds Founder of McReynolds & Company, Interviewed on the Influential Entrepreneurs Podcast, Discussing Healthcare and Long-term Care

TELFORD, PA, October 1, 2026 
George McReynolds discussing healthcare and long-term care 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-healthcare-and-long-term-care/
In this episode of Influential Entrepreneurs, Mike Saunders, the Authority Positioning Coach, had the pleasure of welcoming back George McReynolds, the founder of McReynolds & Company. Delved into the critical topic of healthcare and long-term care, particularly focusing on the financial traps that can ensnare those planning for retirement. 
Planning Healthcare Costs Before Retirement 
Retirement is often viewed as a long-awaited milestone, a time to relax and enjoy life after years of hard work. However, for many, the prospect of retiring early—before the age of 65 when Medicare eligibility begins—can lead to significant financial challenges, particularly regarding healthcare costs. As highlighted in a recent podcast episode featuring George McReynolds, founder of McReynolds & Company, it is crucial to plan for healthcare expenses well before retirement to avoid falling into financial traps that can jeopardize one’s financial security. 
Understanding the Healthcare Landscape. 
The healthcare landscape in the United States is complex and often daunting for those approaching retirement. For many individuals, especially those in professions such as first responders who may not have paid into Social Security or Medicare, retiring early can lead to a lack of coverage. McReynolds notes that many people mistakenly assume that COBRA, which allows individuals to continue their employer-sponsored health insurance for a limited time, will suffice. However, COBRA coverage is typically limited to 18 months and can be prohibitively expensive, costing individuals 102% of what their employer was previously paying. 
This misconception can be particularly detrimental for those who retire at a younger age, such as 50 or 55, leaving them to cover healthcare costs for a decade or more before Medicare kicks in. The financial burden of these expenses can lead to unexpected hardships, including the need to return to work or drastically alter retirement plans. 
The Rising Costs of Healthcare 
As the population ages, the costs associated with healthcare are only expected to rise. McReynolds points out that approximately 12,000 individuals turn 65 every day, a trend that will continue for several years. This demographic shift means that the demand for healthcare services will increase, leading to higher costs. For instance, Medicare premiums for Part B and Part D saw a 9.7% increase from 2025 to 2026, and this trend of rising costs is likely to persist. 
Moreover, individuals need to be aware that healthcare needs change significantly as people age. While younger individuals may primarily face health issues related to accidents, older adults often contend with chronic conditions that require ongoing treatment and care. McReynolds emphasizes that the probability of needing long-term care by age 65 is a staggering 70%. This statistic underscores the importance of planning for healthcare expenses as part of retirement strategy. 
The Interplay Between Health and Wealth 
The relationship between health and financial stability cannot be overstated. McReynolds asserts that “you cannot keep your health if you can’t keep your wealth,” highlighting the precarious balance many individuals face when medical expenses arise. A staggering 60% of bankruptcies in the United States are linked to medical expenses, often incurred despite having insurance at the time of illness. The loss of employment, which frequently accompanies health crises, can lead to the loss of health insurance, exacerbating the financial strain. 
This reality emphasizes the need for proactive planning. Individuals must consider not only their immediate healthcare needs but also the potential long-term implications of aging and health deterioration. This includes exploring options such as long-term care insurance, health savings accounts, and other financial products designed to mitigate healthcare costs in retirement. 
George shared: “if they actually retired and didn’t go to work anymore, they didn’t have enough quarters to go into Medicare for Medicare Part A. So, that’s something a lot of times people, when they retire early before Medicare, they think that that COBRA will cover them. But COBRA is only for 18 months. Yep. And it’s very expensive.“ 
 
In conclusion, planning for healthcare costs before retirement is not merely a financial consideration; it is a crucial component of ensuring a secure and fulfilling retirement. The complexities of the healthcare system, coupled with the rising costs associated with aging, necessitate careful planning and informed decision-making. As George McReynolds advises, individuals must educate themselves about their healthcare options, consider the long-term implications of their retirement decisions, and seek out professional guidance to navigate the intricacies of healthcare planning. By doing so, they can avoid falling into the traps that many before them have faced, ensuring that their retirement years are not overshadowed by financial burdens related to healthcare. 
Video Link: https://www.youtube.com/embed/RyL_eAoGzDg 
About George McReynolds 
George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.  
After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.  
In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex. 
 After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia’s Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.  
In 2001, George published his first book, Prosperity by Design, and became an independent advisor. Since then, he has authored or contributed to multiple books, including The Longevity Trap, Defuse the Tax Bomb, Uncle Joe’s Gems, The Pension Shield Option, Stop, DROP and Roll, Retire Abundantly, and Expert Stories and he wrote the foreword to The New Holistic Retirement, and 9 Money Mistakes Doctors Make.  
George has spoken internationally at venues including Oxford University, the Royal Society of Medicine, the London Stock Exchange, the Harvard Club of Boston, and the FBI National Academy Association. He has been featured in CNN, the Financial Times, Yahoo! Finance, Business Insider, and Philadelphia Life magazine.  
Defuse the Tax Bomb distills the framework George developed after watching too many successful families lose hundreds of thousands of dollars to taxes they never saw coming — not because they made bad decisions, but because no one showed them how the system actually works over time. 
Learn more: https://www.mcwealth.com/ 
Or buy the book at: https://justabundance.com/ 
Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPC 
Recent News & Interviews:

George McReynolds discussed The Longevity Trap https://authoritypresswire.com/george-mcreynolds-founder-of-mcreynolds-company-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-longevity-trap/

Terry Wheeler, Founder & CEO, WE Alliance Wealth Advisors and Strategic Wealth Legal Advisors interviewed on Influential Entrepreneurs Podcast to Discuss Tax Blind Spot.

ROSEVILLE, CA, October 1, 2026 
Terry Wheeler discussing the tax blind spot 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-terry-wheeler-founder-ceo-of-we-alliance-wealth-advisors-discussing-the-tax-blind-spot/
In this episode of Influential Entrepreneurs, Mike Saunders had the pleasure of welcoming back Terry Wheeler, founder and CEO of WE Alliance Wealth Advisors and SWLA.  Terry put his legal hat on in this episode to discuss powerful opportunities. They delved into the critical topic of the “tax blind spot” and how it can significantly impact one’s financial planning, especially for retirees. 
Proactive Tax Planning Saves Money 
In personal finance, few topics evoke as much anxiety and confusion as taxes. The mere mention of the word can put a pit in many people’s stomachs as they grapple with complex tax codes and the implications for their financial futures. However, understanding and implementing proactive tax planning can significantly alleviate this burden and lead to substantial savings. This interview explores proactive tax planning, how it differs from traditional tax preparation, and the potential financial benefits it offers. 
At its core, proactive tax planning is a strategic approach that aims to minimize tax liabilities before they arise, rather than merely reacting to them after the fact. This forward-thinking method, which involves creating a short term, life time, and even multi-generational tax plan.  This approach contrasts sharply with conventional tax preparation, which often takes a passive approach: individuals provide their financial information to a tax professional, who then fills out the necessary forms. While tax preparation is essential for compliance and reporting, it typically lacks the foresight needed to optimize tax outcomes. That is where proactive tax planning comes in. 
One critical insight shared by Terry Wheeler, founder and CEO of WE Alliance Wealth Advisors and Strategic Wealth Legal Advisors, is that “it doesn’t matter what you make; it’s what you keep that matters.” This statement underscores the reality that many individuals, particularly those approaching retirement, may not fully grasp how much taxes can erode their wealth. For example, a retiree with a $3 million portfolio in California may be shocked to learn that approximately $1.2 million could be owed in taxes. This revelation highlights the need to recognize taxes as a “silent partner” in one’s financial journey and the importance of proactive measures to mitigate their impact. 
Proactive tax planning includes strategies designed to optimize tax deferral and tax efficiency throughout an individual’s financial life. These might include deferring or eliminating taxes for your lifetime and for the lifetime of  your beneficiaries, tax-loss harvesting, strategic Roth conversions, and using tax-advantaged accounts. By using these practices, individuals can keep more of their earnings, improving their overall financial well-being. Wheeler emphasizes that effective tax planning can save hundreds of thousands of dollars over a lifetime, a compelling incentive for anyone seeking to maximize their wealth. 
 
Terry shared: “When you talk about taxes, it really is true that it doesn’t matter what you make; it’s what you keep that matters. We’ve got to keep fees to a minimum;  but the single biggest fee is taxes. So proactive tax planning is insanely powerful because so few people actually know what that is. They think a Roth conversion is the beginning and end of tax planning. And that’s barely scratching the surface.” 
 
Moreover, proactive tax planning is particularly beneficial in a landscape where tax codes are often perceived as complex and opaque. As Wheeler notes, there are “two sets of tax codes, one for those who know and one for those who don’t.” This statement reflects the reality that many individuals navigate the tax system without a comprehensive understanding of the opportunities available to them. By working with knowledgeable professionals who specialize in proactive tax planning, individuals can gain insights into effective strategies that align with their unique financial situations. 
In conclusion, proactive tax planning is a vital component of sound financial management that can yield significant savings and enhance wealth retention. By shifting the focus from mere tax preparation to strategic planning, individuals can take control of their financial futures and minimize their tax liabilities. As Terry Wheeler aptly illustrates, understanding the implications of taxes and planning proactively can lead to substantial financial benefits, allowing individuals to keep more of what they earn and ultimately achieve their financial goals. In a world where taxes can feel like an inevitable burden, proactive tax planning is an empowering tool that turns the tax landscape into an opportunity for savings and financial growth. 
Video Link: https://www.youtube.com/embed/CZFsd_5vsyg 
About Terry Wheeler 
WE Alliance Wealth Advisors and Strategic Wealth Legal Advisors are both founded on the belief that an integrated Family Office style approach to wealth planning is the best way to protect and maximize the wealth client families work so hard to accumulate. Combine powerful proactive tax strategies, a powerful system of investing called Defined Outcome Investing, and a Family Centered approach to estate planning to deliver uncommon results while reducing risk for each client family. Founder Terry Wheeler’s book “Laugh When the Market Crashes” is a must read book outlining this investment approach.   
 The firm and its founder traces its roots back over 35 years with its origins beginning at Dean Witter Reynolds. In the 1990s the founder added a law degree focused on tax and estate planning advocacy. The integrated wealth, tax, and estate planning approach now truly sets them apart in a crowded financial planning space. 
Learn more: 

 WE Alliance Wealth Advisors:   www.weriaadvisors.com
Strategic Wealth Legal Advisors:    www.strategicwealthlegal.com
SWAG Consulting Services:    www.swagconsultingservices.com
Laugh When the Market Crashes:    www.laughwhenthemarketcrashes.com

Any opinions, projections, or forward-looking statements expressed herein are solely those of the author, may differ from the views or opinions expressed by WE Alliance Wealth Advisors, and are only for general informational purposes as of the date indicated. All investments involve risk; please consult with a financial advisor prior to investing.
Recent News & Interviews:

Terry Wheeler discussed TThe Investment Blind Spot
https://authoritypresswire.com/terry-wheeler-founder-ceo-of-we-alliance-wealth-advisors-and-strategic-wealth-legal-advisors-interviewed-on-influential-entrepreneurs-podcast-the-investment-blind-spot/

Apryl Pope Founder of Pope Financial Planning Interviewed on the Influential Entrepreneurs Podcast Discussing From Saving Your Money to Living on It

CINCINNATI, OH September 30, 2026
Apryl Pope discussing from saving your money to living on it 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-apryl-pope-founder-of-pope-financial-planning-discussing-from-saving-your-money-to-living-on-it/
In this episode of Influential Entrepreneurs, the host had the pleasure of welcoming back Apryl Pope, the founder of Pope Financial Planning. The conversation delved into the crucial topic of transitioning from saving money to living on it during retirement—a significant mindset shift for many. 
Shift from Saving to Spending Wisely: A Critical Transition in Financial Planning 
In the realm of personal finance, the journey from saving to spending is a profound and often challenging transition. For decades, individuals dedicate themselves to the pursuit of financial independence, diligently saving and investing in anticipation of retirement. However, the moment arrives when the focus must shift from accumulation to utilization—transforming saved wealth into a sustainable income stream. This fundamental change in mindset is essential for enjoying the fruits of one’s labor, yet it is fraught with psychological barriers that can hinder individuals from fully embracing their newfound financial freedom. 
The conversation initiated by financial professionals, such as Apryl Pope of Pope Financial Planning, highlights the stark contrast between the accumulation phase and the decumulation phase of retirement planning. For many, the decades spent saving are characterized by a disciplined approach to wealth building—cutting expenses, forgoing luxuries, and prioritizing savings above all else. This ingrained habit of frugality often leads to an identity that is closely tied to saving; individuals become accustomed to living within tight budgets and viewing spending as a potential threat to their financial stability. 
As retirement approaches, the rules of engagement change dramatically. The very accounts that were once shielded from withdrawal become the primary sources of income. This transition can be psychologically jarring. The ingrained mindset of saving can lead to feelings of guilt or fear when it comes time to spend. Many retirees find themselves frozen, grappling with the notion that spending money—something they have worked tirelessly to avoid—now becomes a necessity for enjoying their retirement years. 
One of the most significant hurdles in this transition is the lingering fear of depleting one’s savings. Even when financial analyses confirm that individuals have more than enough to sustain their desired lifestyle, the psychological barriers can be overwhelming. The fear of running out of money can lead to underspending, ultimately causing retirees to miss out on experiences and opportunities that they had envisioned enjoying during their retirement. This paradox highlights the importance of not only financial planning but also emotional and psychological support in the retirement process. 
To facilitate this shift from saving to spending wisely, financial advisors play a crucial role in helping clients redefine their relationship with money. As Pope suggests, it is essential to remind individuals that they did not accumulate wealth merely to admire their bank balances. Instead, the purpose of their savings is to enhance their quality of life and fulfill their dreams. Engaging clients in conversations about their aspirations can reignite their sense of purpose and excitement regarding their financial resources. 
A pivotal strategy in this process is to encourage clients to articulate their goals and desires. What do they want to experience in retirement? Whether it’s traveling to new destinations, pursuing hobbies, or spending time with family, these dreams should be placed at the forefront of financial planning. By translating these aspirations into concrete financial plans, individuals can visualize how their savings can fund their desired lifestyle. This approach not only alleviates the guilt associated with spending but also empowers retirees to take control of their financial destinies. 
Moreover, establishing a comprehensive financial plan that accounts for both essential expenses and discretionary spending can provide a safety net that potentially alleviates anxiety. Knowing that basic needs are met allows retirees to embrace spending on experiences and activities that bring joy and fulfillment. This balance between prudent spending and enjoying life can be the cornerstone of a successful retirement. 
 
Apryl shared: “you’ve spent your career learning how to build wealth and then retirement is requiring you to learn how to competently use it. So, that is definitely a mindset shift. And it’s really been, and think about it, it’s not, it’s 30 or 40 years you’ve been rewarded for saving and then retirement’s all of a sudden going to ask you to do that exact opposite.” 
 
In conclusion, the transition from saving to spending wisely is a critical phase in the financial journey of retirees. It requires a significant mindset shift, moving from a focus on accumulation to an embrace of utilization. Financial advisors play a vital role in guiding clients through this transformation by helping them articulate their dreams, develop comprehensive plans, and ultimately grant themselves permission to enjoy the wealth they have worked so hard to build. By fostering a healthy relationship with money that prioritizes both financial confidence and personal fulfillment, retirees can fully embrace the life they have prepared for and truly enjoy their golden years. 
Video Link: https://www.youtube.com/embed/B1LvDd0EdvQ
About Apryl Pope 
Apryl Pope, CFP®, CPFA®, CEPA®, is the Founder and Lead Financial Advisor of Pope Financial Planning, where she helps successful professionals approaching retirement turn what they’ve built into a clear plan for what comes next. 
With more than a decade of experience, Apryl serves as a Personal CFO to individuals and couples typically within 10 years of retirement, coordinating retirement, investments, taxes, insurance, estate planning, and other major financial decisions. Her planning-first approach provides comprehensive guidance without requiring clients to move all of their existing investments. 
A former Peace Corps Volunteer and lifelong educator, Apryl was named a 2025 Woman of Excellence by the National Association of Plan Advisors. She lives in Cincinnati with her husband and three sons and understands firsthand how career, family, and life priorities shape financial decisions. 
Her goal is to help clients move from asking, “Have I done enough?” to feeling confident about what comes next. 
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. 
Learn More: https://www.popefinancialplanning.com/  
The opinions voiced in this show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.
Recent News & Interviews:

Apryl Pope discussed When Has Someone Done Enough to Retire? https://authoritypresswire.com/apryl-pope-founder-of-pope-financial-planning-interviewed-on-podcast-discussing-when-has-someone-done-enough-to-retire/
Apryl Pope discussed Your Retirement Accounts Aren’t a Retirement Strategy https://authoritypresswire.com/apryl-pope-founder-of-pope-financial-planning-interviewed-on-the-influential-entrepreneurs-podcast-discussing-your-retirement-accounts-arent-a-retirement-strategy/

VAIR Welcomes Dr. Douglas J. Rowles to Bring Expert Health Education to VAIR+ Members

VAIR welcomes Dr. Douglas J. Rowles, a board-certified orthopedic surgeon and naturopathic doctor, as a new resource for VAIR+ members. Members can submit health and wellness questions through a dedicated form, and Dr. Rowles will address selected questions in video response sessions covering topics such as joint health, injury prevention, recovery and staying active. This new benefit expands VAIR’s commitment to supporting the whole player.

Apryl Pope Founder of Pope Financial Planning Interviewed on the Influential Entrepreneurs Podcast Discussing Your Retirement Accounts Aren’t a Retirement Strategy

CINCINNATI, OH  September 30, 2026
Apryl Pope discusses Why Retirement Accounts Aren’t a Retirement Strategy
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-apryl-pope-founder-of-pope-financial-planning-discussing-your-retirement-accounts-arent-a-retirement-strategy/
Coordinated Strategy Trumps Individual Accounts: The Key to Effective Retirement Planning 
In the realm of financial planning, particularly in the context of retirement, the common approach often revolves around individual accounts such as 401(k)s, IRAs, and pensions. This fragmented perspective, however, can lead to a disjointed strategy that fails to fulfill the potential of these accounts. As Apryl Pope, founder of Pope Financial Planning, emphasizes in her discussions, having a coordinated financial strategy is paramount to pursuing a successful retirement. This essay explores the importance of a holistic approach to retirement planning, illustrating how a coordinated strategy trumps individual accounts. 
The first step in understanding the need for a coordinated strategy is recognizing that many individuals possess various retirement accounts but often lack a comprehensive understanding of how these accounts interact. As Pope points out, clients may have a 401(k), an IRA, and a pension, alongside a CPA handling their taxes. While each of these components serves a specific purpose, without a cohesive strategy, they can become counterproductive. This is akin to assembling a puzzle without considering the bigger picture; while each piece may fit individually, the overall image remains incomplete. 
A coordinated retirement strategy involves looking beyond the individual accounts to understand how they work together. For instance, decisions regarding Social Security benefits can significantly impact an individual’s tax situation and, consequently, their withdrawal strategy from retirement accounts. A higher taxable income from withdrawals may increase Medicare premiums, affecting overall financial health. This interconnectedness underscores the necessity of viewing retirement planning as a holistic process rather than a collection of isolated decisions. 
Moreover, the analogy of chess aptly illustrates the complexities of financial decision-making. Just as a chess player must consider the ramifications of each move on the overall game, retirees must evaluate how their financial choices affect their broader retirement strategy. For example, a hasty decision to claim Social Security benefits at a certain age could inadvertently lead to reduced lifetime benefits or increased tax liabilities. A coordinated approach allows for thorough analysis and foresight, ensuring that one decision does not jeopardize another aspect of the retirement plan. 
The role of a financial planner as a “personal CFO” becomes crucial in this context. By taking the responsibility to connect the dots between various financial elements, a planner can help clients navigate the intricate web of retirement planning. This oversight is vital; it ensures that all decisions are made with a comprehensive understanding of their implications. A personal CFO can provide valuable insights into how withdrawals from retirement accounts might affect tax obligations or how investment strategies can be optimized to align with income needs and estate planning goals. 
 
Apryl shared: “Having good financial pieces is not the same thing as having a coordinated financial strategy. So, that’s what we’re trying to focus on.” 
 
The importance of a coordinated strategy is further highlighted by the potential pitfalls of neglecting this approach. Individuals who rely solely on individual accounts may find themselves facing unexpected challenges during retirement. For instance, failing to consider the tax implications of withdrawals could lead to a depletion of funds faster than anticipated, compromising long-term financial security. Additionally, without a coordinated strategy, retirees may miss out on opportunities to maximize their Social Security benefits or mitigate tax liabilities, ultimately affecting their quality of life in retirement. 
In conclusion, while individual retirement accounts are essential components of a retirement plan, they are not sufficient on their own. A coordinated strategy that considers the interplay between various financial elements is crucial for effective retirement planning. By adopting a holistic approach, individuals can ensure that their financial decisions are aligned for long-term success. As Apryl Pope articulates, the goal is not merely to accumulate assets but to create a comprehensive and cohesive financial strategy that supports a confident and fulfilling retirement. In the intricate game of retirement planning, a coordinated strategy truly trumps individual accounts. 
 Video Link: https://www.youtube.com/embed/ooF6smu2OQg
About Apryl Pope 
Apryl Pope, CFP®, CPFA®, CEPA®, is the Founder and Lead Financial Advisor of Pope Financial Planning, where she helps successful professionals approaching retirement turn what they’ve built into a clear plan for what comes next. 
With more than a decade of experience, Apryl serves as a Personal CFO to individuals and couples typically within 10 years of retirement, coordinating retirement, investments, taxes, insurance, estate planning, and other major financial decisions. Her planning-first approach provides comprehensive guidance without requiring clients to move all of their existing investments. 
A former Peace Corps Volunteer and lifelong educator, Apryl was named a 2025 Woman of Excellence by the National Association of Plan Advisors. She lives in Cincinnati with her husband and three sons and understands firsthand how career, family, and life priorities shape financial decisions. 
Her goal is to help clients move from asking, “Have I done enough?” to feeling confident about what comes next. 
Learn More: https://www.popefinancialplanning.com/  
The opinions voiced in this show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision 
This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. 
Recent News & Interviews:

Apryl Pope discussed When Has Someone Done Enough to Retire? https://authoritypresswire.com/apryl-pope-founder-of-pope-financial-planning-interviewed-on-podcast-discussing-when-has-someone-done-enough-to-retire/

Terry Wheeler, Founder & CEO of WE Alliance Wealth Advisors and Strategic Wealth Legal Advisors interviewed on Influential Entrepreneurs Podcast The Investment Blind Spot

ROSEVILLE, CA September 30, 2026
Terry Wheeler discussing the investment blind spot 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-terry-wheeler-founder-ceo-of-we-alliance-wealth-advisors-discussing-the-investment-blind-spot/
In this episode of Influential Entrepreneurs, Terry Wheeler, founder and CEO of WE Alliance Wealth Advisors, discusses the investment blind spot. Terry shares his journey into the investment industry, starting from his childhood love for Monopoly, which inspired his career as a financial advisor. Highlights the importance of integrated planning in financial management, encompassing tax planning, retirement planning, estate planning, and asset protection. Terry emphasizes that understanding and identifying investment blind spots is crucial for achieving financial success. Tune in to learn how to navigate these challenges and enhance your investment strategies. 
Adjusting Strategy from Growth to Defense: Navigating the Investment Blind Spot 
In personal finance and investing, one of the most critical transitions an individual faces is shifting from accumulating wealth to preserving it. This transition, often overlooked, is akin to moving from a high-speed race to a cautious but strategic journey. As Terry Wheeler, founder and CEO of WE Alliance Wealth Advisors, aptly points out, understanding this shift is essential to avoid what he terms the “investment blind spot.” This episode explores the need to shift investment strategies from a growth-oriented approach to a defensive posture as individuals approach retirement. 
The Growth Phase: Accumulation and Risk 
For decades, individuals work tirelessly to build their financial futures, often focusing primarily on growth. In their 30s and 40s, investors are typically encouraged to take higher risks in pursuit of higher returns. This period often involves aggressive investments in stocks, mutual funds, and other growth-oriented vehicles. The rationale is simple: the longer the investment horizon, the more time there is to recover from market downturns. During this accumulation phase, the objective is clear: to amass a sizeable portfolio that will support a comfortable retirement. 
However, this growth phase has its challenges. Investors often become enamored with the idea of “beating the market,” leading to emotional decision-making and a lack of comprehensive financial planning. This is where the investment blind spot emerges—an inability to see beyond immediate gains and understand the long-term implications of their investment choices. 
The Transition Phase: Recognizing the Need for Change 
As individuals approach retirement, typically in their 50s and 60s, their financial planning landscape must evolve. The focus shifts from growth to growth with defense, necessitating a reevaluation of investment strategies. This transition is crucial for several reasons: 

Longevity Risk: With increasing life expectancies, retirees must ensure that their savings last for potentially three decades or more. The traditional 60-40 stock-bond portfolio may no longer suffice if withdrawal strategies are not carefully considered. As Wheeler points out, withdrawing 5% annually from a portfolio can lead to a precarious financial future, with barely a 50-50 chance of lasting through 30 years of retirement. 
Market Volatility: The stock market is inherently unpredictable, and retirees are particularly vulnerable to downturns. A significant market crash can drastically reduce a portfolio’s value, making it imperative for retirees to adopt a defensive strategy that prioritizes capital preservation. 
Psychological Factors: Fear of outliving one’s savings can create significant stress and anxiety for retirees. By implementing a defensive strategy, individuals can reduce these fears and gain peace of mind, allowing them to enjoy retirement without constant worry about financial instability. 

The Defensive Strategy: A New Approach 
Transitioning to a defensive investment strategy involves several key adjustments: 

Asset Allocation: As individuals near retirement, they should reevaluate their asset allocation. This may involve shifting a portion of the portfolio into more conservative investments, such as growth vehicles with defense, bonds or other income-generating assets, that provide stability and reduce risk. 
Risk Management: Implementing risk management strategies, such as diversification, a strategy that periodically locks in gains, and systematic thoughtful withdrawal plans, can help protect against market downturns. Wheeler emphasizes the importance of “adding defense” to a portfolio, which involves strategically locking in gains in growth positions at favorable market conditions and systematic reinvestment strategies that allow you to limit losses and to buy the dips without attempting to time the market. 
Focus on Income Generation: In retirement, the focus should shift from growth to income generation. This may involve investing in dividend-paying stocks, real estate investment trusts (REITs), or annuities that provide a steady income stream, helping ensure financial stability throughout retirement. 
Integrated Planning: As Wheeler highlights, integrated planning is crucial. Financial advisors must consider all aspects of a client’s financial life, including tax implications, estate planning, and healthcare costs, to create a comprehensive strategy that aligns with the retiree’s goals and risk tolerance. 

The journey from growth to defense in investment strategy is a pivotal phase in an individual’s financial life. By recognizing the investment blind spot and making the necessary adjustments, retirees can secure their financial futures and enjoy their retirement years without the burden of financial anxiety. As Terry Wheeler illustrates, the key lies in integrating defensive strategies that prioritize capital preservation, income generation, and a holistic approach to financial planning. Ultimately, this strategic shift not only protects wealth but also improves retirees’ quality of life, allowing them to embrace their golden years with confidence and peace of mind. 
 
Terry shared: “People look at retirement and they often fear outliving their money. And they should if they’re not doing it right. If they’re doing it right, they don’t have to fear this. But the typical 60-40 stock-bond portfolio, if you’re withdrawing wrong, you’ve got just barely over a 50-50 chance of surviving 30 years of retirement if you’re taking out 5% a year.  That’s simply not acceptable and retirees should create a plan to live and not a plan that you must die for to succeed” 
 Video Link: https://www.youtube.com/embed/4aM_GoUOD5U
About Terry Wheeler 
WE Alliance Wealth Advisors and Strategic Wealth Legal Advisors are both founded on the belief that an integrated Family Office style approach to wealth planning is the best way to protect and maximize the wealth client families work so hard to accumulate. Combine powerful proactive tax strategies, a powerful system of investing called Defined Outcome Investing, and a Family Centered approach to estate planning to deliver uncommon results while reducing risk for each client family. Founder Terry Wheeler’s book “Laugh When the Market Crashes” is a must read book outlining this investment approach.   
 The firm and its founder traces its roots back over 35 years with its origins beginning at Dean Witter Reynolds. In the 1990s the founder added a law degree focused on tax and estate planning advocacy. The integrated wealth, tax, and estate planning approach now truly sets them apart in a crowded financial planning space. 
 
Learn more: 

WE Alliance Wealth Advisors: http://www.weriaadvisors.com  
Strategic Wealth Legal Advisors: http://www.strategicwealthlegal.com  
SWAG Consulting Services: http://www.swagconsultingservices.com  
Laugh When the Market Crashes: http://www.laughwhenthemarketcrashes.com 

Any opinions, projections, or forward-looking statements expressed herein are solely those of the author, may differ from the views or opinions expressed by WE Alliance Wealth Advisors, and are only for general informational purposes as of the date indicated. 
All investments involve risk; please consult with a financial advisor prior to investing.  

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