Dr. Calm Launches Concierge Wellbeing Program for High Achievers 

Physician-led longevity protocol introduces a calm-first pathway to clarity, resilience, and sustainable performance. 
La Jolla, California — 2026 — Physician and thought leader Dr. Kiran Dintyala—known publicly as “Dr. Calm”—today announced the launch of Health • Happiness • Harmony, a physician-led concierge wellbeing experience created for high-achieving adults seeking calm, clarity, and sustainable performance in the New Year. With a limited number of private client placements opening for 2026, the program delivers a high-touch, personalized pathway designed to help high performers feel grounded, focused, and resilient—without relying on hustle-driven wellness culture.
As stress, sleep disruption, and burnout continue to impact professionals, many high achievers report feeling wired, depleted, or disconnected despite outward success. The American Psychological Association’s Stress in America findings have repeatedly highlighted the widespread impact of societal stressors—reinforcing the need for approaches that address stress at its source rather than adding more tasks, tracking, or pressure.
At the core of Health • Happiness • Harmony is a simple premise: calm is not a personality trait—it’s a trainable nervous-system skill and the most powerful habit that promotes longevity. Instead of asking clients to do more, the program emphasizes restoring a felt sense of safety in the body as a foundation for better sleep, recovery, focus, emotional steadiness, and decision-making. Clients receive a curated, concierge-style experience that integrates nervous-system regulation, lifestyle optimization, and guided accountability—tailored to the realities of high-pressure lives.

Video Link: https://www.youtube.com/embed/
“The fastest way to upgrade health and longevity isn’t doing more—it’s training the body, mind, and soul to feel safe again,” said Dr. Dintyala. “If calm isn’t something you have yet, no worries—it’s something you can train and strengthen. When the nervous system is regulated, everything works better.”
Designed for executives, entrepreneurs, physicians, and founders, Health • Happiness • Harmony emphasizes sustainability over intensity and clarity over performance-driven wellness trends. The program differentiates itself in a crowded wellbeing market through its physician-led foundation and calm-centered positioning—combining medical credibility with practical coaching, structured pathways, and proprietary frameworks that support both deep transformation and long-term vitality.
Dr. Kiran Dintyala is an Internal Medicine and Functional Medicine physician based in La Jolla, California, with extensive experience supporting high-performing adults. He is the author of Calm in the Midst of Chaos and the creator of The Happiness Therapy program. His work integrates science-informed education, personalized strategy, and emotionally safe, calm-first support—helping clients build resilience that lasts well beyond the New Year reset.
As the New Year prompts reflection and reinvention for many professionals, Health • Happiness • Harmony reflects a broader shift toward calm-first strategies for health, longevity, and success—positioning nervous-system regulation as an upstream lever for sustainable performance.
To learn more about Health • Happiness • Harmony, visit https://calmcapsule.stressfreerevolution.com/i-want-it-all 

James Kroshus, President of Treasure Valley Retirement Shield, Interviewed on The Influential Entrepreneurs Podcast, Discussing Achieving Financial Peace of Mind

James Kroshus discusses achieving financial peace of mind 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-james-kroshus-president-of-treasure-valley-retirement-shield-discussing-achieving-financial-peace-of-mind/
In this episode of Influential Entrepreneurs, James Kroshus from Treasure Valley Retirement Shield is about achieving financial peace of mind. James, who has over 40 years of experience in the financial services industry, shared his journey and insights into helping clients secure their financial futures. 
He delved into the importance of having a strategy that offers market gains with downside protection, especially in today’s volatile economic environment. James emphasized the significance of not being overly attached to company stocks and the necessity of having a balanced approach to investments, particularly as one approachs retirement. 
In today’s rapidly changing financial landscape, the quest for peace of mind regarding investments has never been more critical. With the constant barrage of news about political unrest, economic fluctuations, and the looming specter of inflation, individuals often find themselves grappling with anxiety over their financial futures. As James Kroshus of Treasure Valley Retirement Shield eloquently articulated in a recent podcast, the challenge lies not only in the pursuit of wealth but in protecting that wealth from the myriad forces that threaten it. 
Investors today face a complex battlefield, where the “stealth tax” of inflation and the unpredictable nature of government policies can undermine even the most carefully crafted financial plans. Kroshus highlights the importance of recognizing these threats, which he metaphorically describes as a “field of weeds” that can choke off the potential for financial growth and security. This imagery serves as a powerful reminder that without proactive measures, one’s financial landscape can quickly become overgrown with challenges that hinder progress. 
The essence of achieving financial peace of mind lies in strategic planning that prioritizes both growth and protection. Kroshus emphasizes that a well-structured investment strategy can allow individuals to participate in market gains while simultaneously safeguarding against potential losses. Citing Warren Buffett’s famous investment rules—”Rule number one: never lose money. Rule number two: remember rule number one”—he underscores the necessity of a dual approach that seeks to mitigate risks while capitalizing on opportunities. 
Retirement Shield, the framework Kroshus advocates, embodies this philosophy by offering a solution that combines market participation with downside protection. This strategy not only aims to provide higher returns than traditional banking options but also serves as a buffer against the adverse effects of taxation and inflation. By employing such a strategy, investors can cultivate a sense of security, knowing that their hard-earned assets are shielded from an unpredictable economic environment. 
 
The Importance of Proactive Decision-Making 
One of the key takeaways from Kroshus’s insights is the importance of proactive decision-making in investment management. The tendency for individuals to react to market fluctuations rather than plan ahead can lead to hasty and often detrimental choices. By anticipating potential challenges and preparing for them in advance, investors can make informed decisions that align with their long-term financial goals. 
This proactive approach is essential not only for mitigating risks associated with inflation and taxation but also for fostering a mindset of confidence and control. When investors feel secure in their strategies, they are less likely to succumb to panic in the face of market volatility, allowing them to navigate their financial journeys with greater ease and clarity. 
In conclusion, the pursuit of peace of mind in investments is a multifaceted endeavor that requires a combination of awareness, strategic planning, and proactive decision-making. As highlighted by James Kroshus, understanding the potential threats to one’s financial well-being is the first step toward developing a robust retirement shield. By embracing strategies that prioritize both growth and protection, investors can cultivate a sense of security that allows them to thrive in an uncertain world. Ultimately, the goal is not merely to accumulate wealth but to safeguard it, ensuring financial peace of mind for oneself and future generations. 
 
James shared: “My vision expanded as I aged with my clients. It seems clarity rises to the surface with the wisdom created by years of experience” 
Video Link: https://www.youtube.com/embed/P6fStVFqiLs
About James Kroshus 
James has devoted his life to assisting clients, friends, and family by protecting their assets through insurance and estate planning. James has been in the world of finance and insurance since 1979. Over the years James became painfully aware of the need that comes at the other end of rainbow, when wealth is passed to the next generation. His focus expanded beyond just protection and accumulation to the distribution of that wealth. As important as certificates, degrees and awards hanging on a wall; nothing compares to years of experience. With over 45 years of experience James has nearly seen it all. 
For more information, go to: http://jameskroshus.com/ or call 775-233-2203 

Ascended Living Opens in Naples, Introducing a New Destination for Empowerment, Healing, and Self-Mastery

The new center brings a time-tested system of personal transformation centered on purpose, joy, and inner alignment to Southwest Florida 
Naples, Florida – 2025 
Tatiana Maxim, Founder and Certified Guide, announces the grand opening of Ascended Living, a new empowerment, healing, and self-mastery center in Naples, Florida. Positioned as a premier destination in Southwest Florida, Ascended Living introduces a structured, time-tested approach to personal transformation designed to support individuals in living lives rooted in purpose, joy, and sustainable well-being.
As stress, anxiety, and burnout continue to impact individuals across personal and professional spheres, many people are searching for approaches that go beyond temporary relief or surface-level solutions. Ascended Living was created to address this growing demand by offering a comprehensive system of higher-level self-mastery focused on inner alignment—supporting individuals in cultivating joy and purpose as stable inner states, independent of external circumstances.
The center’s philosophy draws on principles and practices refined over thousands of years and historically reserved for select circles. These teachings are now being made accessible to individuals who are committed to growth, self-awareness, and meaningful change. Ascended Living emphasizes clarity, alignment, and conscious development across physical, emotional, and energetic dimensions, guiding participants toward a lived experience of peace, purpose, and joy from within.
Unlike conventional self-improvement models, Ascended Living positions self-mastery as a practical and attainable discipline. Programs and sessions are designed to support participants in reducing stress, building emotional resilience, increasing focus and effectiveness, and navigating life and business challenges with greater ease and composure. At its highest expression, this work supports a life lived in joy, purpose, peace, and love—not as fleeting emotions, but as an embodied, inner-aligned way of being.
“At Ascended Living, we believe the only way to solve a problem is to outgrow it,” said Tatiana Maxim, Founder and Certified Guide. “Our work is centered on guiding growth and progression so people can live from a place of inner alignment—where joy, purpose, peace, and love are present regardless of what is happening in the outer world.” 
All practitioners at Ascended Living are trained and certified through the Modern Mystery School, ensuring a consistent standard of training, ethical practice, and depth of knowledge. The center offers a range of experiences including classes, talks, meditations, one-on-one healing sessions, and private discovery conversations, allowing individuals to engage with the system in a way that aligns with their personal goals and readiness.
The grand opening marks a significant addition to Naples’ wellness and personal development landscape. Ascended Living distinguishes itself through an elevated, intentional environment designed to support reflection, learning, and deep transformation. The center is intended for individuals who are seeking more than surface-level change and who are ready to engage in a disciplined path of self-mastery that leads to lasting fulfillment, purpose, and joy.
As interest in holistic well-being and conscious living continues to grow, Ascended Living represents a new option for the local community—one grounded in tradition, structure, and long-term impact rather than passing movements. Its opening reflects a broader cultural shift toward living with greater purpose and joy, anchored not in external achievement, but in inner alignment.
Ascended Living invites members of the Naples community and surrounding areas to explore upcoming classes, talks, and one-on-one modalities, or to schedule a discovery conversation to learn more about the center’s offerings. 
To learn more about Ascended Living or explore upcoming programs, visit https://www.getascended.com 
Follow Ascended Living on Facebook at https://www.facebook.com/ascendedlivingpath 
 

Groundbreaking Integrative Program Brings Advanced Health Practices, Breathwork, and Biohacking Into a Unified Path for Regeneration, Resilience, and Human Potential

Globally recognized teacher Anaez introduces a world-first framework supporting strength, clarity, and vitality through modern and ancient systems 
Anaez, formerly known as Nate Zeleznick, is advancing a new conversation in personal resilience and human potential through the Integrated Ascension Method (I AM) and Ascended Living—a comprehensive framework that brings together advanced mindset training, breathwork, nutrition, supplementation, biohacking principles, body decoding, and emerging regenerative technologies. The approach is designed for individuals navigating chronic health challenges or high-stress life transitions who are seeking greater energy, clarity, and quality of life. 
As rates of chronic conditions, cognitive stress, and emotional exhaustion continue to rise worldwide, many individuals report feeling overwhelmed by fragmented information and conventional pathways that address symptoms in isolation. According to national health data, chronic stress, metabolic imbalance, and nervous-system dysregulation are increasingly common across age groups. Anaez’s work responds to this reality by integrating multiple disciplines into a single, coherent system that emphasizes internal strength, adaptability, and personal agency. 
The Integrated Ascension Method is built on the premise that human beings are designed for resilience and self-regulation when supported by the right tools, environment, and mindset. Drawing from ancient breath and energy practices once reserved for royal lineages, alongside modern neuroscience, biochemistry, and frequency-based technologies, the method supports balance across physical, mental, emotional, energetic, and spiritual dimensions—without positioning itself as a replacement for medical care. 
Central to the work is the belief that individuals can engage with a diagnosis without defining themselves by a prognosis. The programs emphasize nervous-system regulation, breath mastery, focused awareness, and daily practices that support clarity and inner stability. Participants are guided to cultivate appreciation, gratitude, and presence, even in the face of uncertainty. 
“YOU are the miracle you’ve been waiting for,” said Anaez. “When people reconnect with their breath, their energy, and their sense of purpose, they begin to access strength that was always there.” 
Anaez is the creator of the Integrated Ascension Method and co-founder of Ascended Living, alongside Yemaya van de Belt. His work is supported by collaborations with leaders in sound-based neuroscience, biochemistry, and regenerative research, including Dr. Jeffrey Thompson of Scientific Sounds and Ian Mitchell of Wizard Sciences. Together, they contribute to a multidisciplinary ecosystem focused on optimization, balance, and conscious living. 
Recognized globally for his teaching and speaking, Anaez has accumulated more than 38,000 hours of instruction and has appeared on platforms including Netflix, GAIA, and Amazon Prime, with content reaching tens of millions of viewers monthly. In 2024, he was honored as Wellness Coach of the Year at the FORTTUNA Global Excellence Awards and received the Health 2.0 Visionaries Award in Dubai. His work bridges ancient Indonesian energy practices with modern science, offering a rare synthesis of tradition and innovation. 
As part of his public outreach, Anaez invites individuals to explore the I AM Ascended Living app, which provides access to a complimentary class on nervous-system regulation, breathwork, mental focus, and energetic sovereignty. The program is designed to offer an accessible entry point for those seeking practical tools to support resilience and wellbeing.
Living his message, Anāez is actively healing an inoperable brain tumor using his unique ASCEND framework. In a matter of 5 weeks, scans showed a 50%+ reduction in tumor size, and within six months, he released 89 pounds of fat, added 15 pounds of muscle, reversed hypertension, and reduced his metabolic age by 22 years. 
Video Link: https://www.youtube.com/embed/UBhitQ2psBk
Anaez’s mission is simple and urgent: help people turn diagnosis into direction and become their own medicine. 
In a wellness landscape often dominated by extremes, Anaez’s work reflects a growing movement toward integrated, conscious approaches that honor both science and human experience. His message resonates with those who believe that even in the most challenging moments, it is possible to live with purpose, dignity, and inner strength. 
To learn more about the Integrated Ascension Method and receive a complimentary resource, visit https://iampure.energy 
To explore Ascended Living, visit https://iampure.energy/ascendedliving 
To connect with Anaez, visit https://anaez360.com 
 

Renowned Psychiatrist “The UnDoctor” Calls for a New Conversation on Mental Health and Human Healing

Dr. Fred Moss invites a shift beyond diagnosis and medication toward awareness, connection, and human intelligence 
Grass Valley, California | 2025 
Fred Moss, MD, widely known as “The UnDoctor,” is advancing a new conversation in mental health that challenges the dominance of diagnosis- and medication-centered care and calls for a more human, relational, and awareness-based understanding of emotional distress. 
A board-certified psychiatrist and physician with more than four decades of clinical experience, Dr. Moss is speaking out at a moment when global mental health outcomes continue to decline despite decades of standardized treatment. His work raises a fundamental question increasingly shared by clinicians, families, and patients alike: are prevailing models truly addressing the roots of human suffering, or are they primarily managing symptoms within a system that has drifted away from lived human experience? 
Through initiatives including UnDoctor RESET, Welcome to Humanity, Augmented Co-Creative Coaching, immersive retreats, and keynote speaking, Dr. Moss offers a perspective shaped not by theory alone, but by tens of thousands of real human encounters. His approach reframes what is commonly labeled “mental illness” as meaningful human responses to stress, disconnection, and unresolved inner conflict. These are signals to be understood rather than conditions to be suppressed. 
As of 2021, an estimated 1.1 billion people worldwide were living with anxiety, depression, or related conditions, with little evidence of sustained improvement at a population level. For Dr. Moss, this reality demands honest inquiry. If the current system were truly effective, would mental health outcomes be worsening rather than improving? 
Conventional mental health care has largely centered on diagnosis, symptom reduction, and long-term treatment protocols. While often well-intentioned, these approaches can leave individuals feeling labeled, dependent, or disconnected from their own innate capacity for insight and change. Increasingly, clinicians, caregivers, families, and individuals who have moved through the system without satisfactory results are seeking alternatives that emphasize agency, understanding, and authentic human connection. 
Dr. Moss proposes a fundamental reframe. Emotional distress is not evidence of defect, but information. It is an invitation into awareness, communication, creativity, and meaning. At the core of his philosophy is the conviction that human beings already possess the essential intelligence required for healing and growth, without needing institutional permission or excessive intervention. 
Through UnDoctor RESET, Dr. Moss introduces a practical and accessible framework grounded in communication, creativity, and community. The model emphasizes simple, learnable principles that can be applied across cultures, socioeconomic backgrounds, and life experiences. His work also explores the responsible use of artificial intelligence as a reflective and connective tool, expanding access to insight while preserving the primacy of human relationship. 
“Mental health is not about fixing what is broken,” Dr. Moss says. “It’s about restoring awareness, connection, and the natural intelligence that already exists within every human being.” 
Video Link: https://www.youtube.com/embed/sxcbZzv1MsQ
Dr. Moss’s career spans state hospitals, academic medicine, private practice, and community-based work. A graduate of Northwestern University’s Feinberg School of Medicine and fellowship-trained in Child and Adolescent Psychiatry, he has spent more than 45 years working at the intersection of medicine, psychology, and lived human experience. Over time, he made the deliberate decision to step beyond the traditional diagnostic model to focus on presence, dialogue, and relational understanding. 
He is the author of Creative 8: Healing Through Creativity and Self-Expression and Find Your True Voice, and is among the most prolific voices in mental health media today. Dr. Moss has appeared on more than 200 podcasts and produced over 300 episodes of his own programs, engaging audiences in unscripted, deeply human conversations about healing, identity, and meaning. As a keynote speaker, he is known for his clarity, authenticity, and willingness to challenge entrenched narratives with both compassion and courage. 
As mental health challenges continue to affect individuals, families, and communities worldwide, Dr. Fred Moss’s work contributes to a growing global movement asking whether healing must always be clinical, or whether it can begin with conversation, awareness, and genuine human connection. 
Learn more: 
UnDoctor RESET: https://undoctorreset.com 

Elevation Construction Expands Focus on Custom Home Additions to Help Houston Families Stay in the Homes They Love

Houston-based contractor emphasizes thoughtful planning, clear communication, and long-term value as demand for added living space grows 
Houston, Texas – 2025 
Elevation Construction is expanding its focus on custom home additions in response to growing demand from homeowners seeking more functional living space without the disruption of moving. Serving Houston, Cypress, and surrounding communities, the company is helping families reimagine and expand their homes through a structured, end-to-end construction process designed to enhance both daily livability and long-term property value. 
As families grow, work-from-home needs evolve, and multi-generational living becomes more common, many homeowners find themselves outgrowing spaces they otherwise love. Rather than entering a competitive housing market, an increasing number are choosing to invest in well-planned home additions that allow them to stay rooted in their neighborhoods while gaining the space and functionality they need. 
Elevation Construction approaches home additions as both a lifestyle decision and a long-term investment. By combining detailed pre-construction planning with disciplined execution, the company aims to remove much of the uncertainty that homeowners often associate with major construction projects. Each addition is designed to integrate seamlessly with the existing home while meeting current building codes, structural requirements, and permitting standards. 
“Adding square footage isn’t just about building more space—it’s about improving quality of life,” said a representative of Elevation Construction. “A home addition is a major decision for any family. Our responsibility is to guide homeowners through the process with clarity, communication, and a level of craftsmanship that protects their investment.” 
A key differentiator in Elevation Construction’s approach is its collaboration with licensed engineers and experienced interior designers from the earliest stages of a project. This integrated team structure helps ensure that additions are not only structurally sound and code-compliant, but also functional, well-designed, and aligned with how families actually live. The result is added space that feels intentional rather than pieced together. 
From an investment perspective, increasing usable square footage remains one of the most effective ways to enhance a home’s market appeal. While return on investment varies based on design choices, neighborhood trends, and broader market conditions, well-executed home additions consistently rank among the most valuable residential improvements. Beyond resale considerations, homeowners benefit immediately from improved comfort, flow, and flexibility within their homes. 
Elevation Construction emphasizes transparency throughout the project lifecycle, providing realistic timelines, clear expectations, and ongoing communication. This focus on the homeowner experience is central to the company’s philosophy and reflects a broader commitment to professionalism within the residential construction industry. 
The company is a proud member of the Greater Houston Builders Association (GHBA), underscoring its commitment to industry best practices, local building standards, and continuous professional development. Its internal team of project managers and trusted trade partners work together to deliver consistent quality from concept through completion. 
As Houston-area homeowners continue to look for ways to adapt their homes to changing needs, Elevation Construction’s expanded focus on custom additions reflects a practical, homeowner-first response to modern living challenges. The company’s work highlights how thoughtful design and disciplined construction can create space, comfort, and value—without leaving the home families already call their own. 
Homeowners interested in learning more about custom home additions are encouraged to explore Elevation Construction’s resources or request a consultation to discuss their space needs, lifestyle goals, and long-term plans. 
To learn more, visit https://www.elevationconstructionteam.com 
For industry insights, visit https://thecaffeinatedcontractor.com

Interview with Patrick Cotter, Founder of Cotter Financial Group on the Influential Entrepreneurs Podcast Discussing Emotional Well-being in Retirement

Patrick Cotter discusses the Emotional Well-being in Retirement  
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-emotional-well-being-in-retirement/
In this episode of Influential Entrepreneurs, host Mike Saunders welcomes back Patrick Cotter, founder of Cotter Financial Group, to discuss the often-overlooked emotional aspects of retirement planning. Patrick shares insights from his personal experience of retiring at age 60 and highlights the importance of addressing emotional well-being beyond just financial metrics. He explains that while accumulating wealth during one’s career can be straightforward, transitioning into retirement requires careful navigation to avoid costly mistakes. Patrick emphasizes the role of financial planning in supporting emotional health as individuals descend from the “mountain” of financial accumulation into retirement.  
Emotional well-being in retirement is a critical aspect that is often overlooked when planning for this significant life transition. In a podcast episode featuring Patrick Cotter, founder of Cotter Financial Group, the discussion highlights that the emotional side of retirement is just as important as the financial side. A solid financial plan can alleviate stress and anxiety about money, allowing retirees to focus on enjoying their lives. 
The Importance of Emotional Well-Being 
Retirement is a time many look forward to, yet it can also bring about feelings of uncertainty and anxiety, particularly regarding financial security. Patrick emphasizes that many retirees spend their time worrying about their portfolios, questioning whether they will have enough money to last through their retirement years. This constant concern can lead to increased stress levels, negatively impacting overall health and happiness. 
A well-structured financial plan can significantly reduce these worries. Patrick shares his personal experience of retiring at 60 and how he created a guaranteed income portfolio for himself. This approach not only provides him with peace of mind but also allows him to enjoy his retirement without the constant fear of running out of money. He notes that the happiest retirees are those who have a reliable, repeatable, and sustainable income source, which can be achieved through various financial instruments, including annuities. 
Patrick uses a compelling analogy to illustrate the importance of financial planning: the gas gauge story from his childhood road trip. He recounts how his family drove through the Petrified Forest, focusing on the gas gauge rather than enjoying the beautiful scenery. This story serves as a metaphor for retirees who become overly fixated on their financial situation, missing out on the joys of retirement. By having a solid financial plan in place, retirees can avoid the anxiety of watching their “gas gauge” and instead focus on living life to the fullest. 
Video Link: https://www.youtube.com/embed/WtlBkeDT_2M 
Patrick explained: “One of the key components of a sound financial plan is the inclusion of guaranteed income sources. Social Security, pensions, and fixed income annuities are primary sources of guaranteed income. I advocate for the use of annuities, which can provide a steady income stream and help retirees manage their finances without the stress of market fluctuations.”  
 
In conclusion, emotional well-being in retirement is crucial, and a solid financial plan can play a significant role in alleviating stress and anxiety about money. By focusing on creating a reliable income stream and addressing potential financial risks, retirees can free themselves from the burden of financial worries. This, in turn, allows them to embrace their retirement years with joy and fulfillment, making the most of this well-deserved phase of life. As Patrick Cotter emphasizes, having a plan that takes the risk off the table is essential for achieving a happy and healthy retirement. 
 
About Patrick Cotter 
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind their values, relationships and more importantly how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get them ready for what matters most and take action with more confidence. Focus areas are: 
 – Retirement Income Planning – safe, predictable and guaranteed 
– Legacy Planning – maximize to whom and what is left to heirs 
– Wealth Transfer – tax efficient transfer strategies  
– Estate Planning –  Wills, Trust and Asset Protection 
– Social Security Optimization – claiming strategy guidance 
– Wealth Management – safe and tax efficient strategies for inflation risk 
 
Learn More: www.cotterfinancialgroup.com  
Cotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. 
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. 

Political Refugee and Burnout Survivor Gabriela Popescu Launches From Chaos to Harmony to Help Women Live Authentically

Women trapped by self-abandonment gain an unlikely guide in Gabriela Popescu’s From Chaos to Harmony—a chaos-forged program combining decades of lived healing with the SOUL Path framework. This isn’t therapy or typical self-help; it’s a transformational journey that takes you from self-betrayal to wholeness and teaches you to radiate.

Interview with Patrick Cotter, Founder of Cotter Financial Group on the Influential Entrepreneurs Podcast Discussing Proactive Retirement Planning

Patrick Cotter discusses the importance of proactive retirement planning  
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-proactive-retirement-planning/
 In this episode of Influential Entrepreneurs, host Mike Saunders welcomes Patrick Cotter, founder of Cotter Financial Group, to discuss proactive retirement planning and ensuring longevity in retirement. Patrick shares his journey into the financial services industry, which began unexpectedly after graduating as an engineering major in 1987. He reflects on his early career as a financial advisor and stockbroker, later transitioning to the insurance sector, where he excelled in building relationships. After over 30 years in the corporate world, Patrick achieved his dream of retiring at 60, and he shares insights on navigating retirement income planning to help clients secure their financial futures.  
Proactive Retirement Planning: Balancing Financial Numbers and Desired Lifestyle 
Proactive retirement planning is essential for ensuring that individuals do not outlive their savings. This approach goes beyond merely accumulating a specific amount of money; it requires a comprehensive understanding of both financial needs and the lifestyle one desires during retirement. 
As Patrick Cotter emphasizes in the podcast, many people approach retirement planning with a focus solely on the financial aspect—what he refers to as “just the numbers.” While knowing your retirement savings target is important, it is equally vital to consider what life will look like once you retire. This dual focus helps individuals create a more fulfilling and sustainable retirement experience. 
Patrick uses the analogy of Alice in Wonderland to illustrate the importance of having a clear destination in mind when planning for retirement. Just as Alice needed to know where she wanted to go to choose the right path, individuals must define their retirement goals to make informed financial decisions. This involves asking critical questions about what they want their retirement to look like, rather than just how much money they need. 
One of the most significant misconceptions people have is that Social Security will be sufficient to cover their retirement expenses. Patrick points out that many individuals underestimate their financial needs and overestimate the adequacy of Social Security benefits. This can lead to a shortfall in income, especially when considering that expenses may not decrease significantly after one spouse passes away. 
To navigate the complexities of retirement planning, Patrick advocates for working with a specialist who focuses on retirement income planning. Just as one would seek a medical specialist for a specific health issue, individuals should consult a financial expert who understands the nuances of retirement income strategies. This professional can help identify gaps in income and provide tailored solutions to ensure a comfortable retirement. 
Key Steps in Proactive Planning 

Define Retirement Goals: Understand what you want your retirement to look like, including lifestyle choices and activities.
Assess Financial Needs: Calculate how much guaranteed lifetime income you will need to cover essential expenses and desired lifestyle choices.
Evaluate Social Security: Analyze the best time to claim Social Security benefits to maximize income and avoid penalties.
Identify Risks: Consider various risks such as longevity risk, market risk, inflation risk, and healthcare costs, and develop strategies to mitigate them.
Create a Comprehensive Plan: Work with a financial specialist to develop a plan that addresses both financial numbers and lifestyle aspirations. 

 
Patrick shared: “Proactive retirement planning is essential for ensuring that individuals can enjoy their retirement years without the fear of outliving their savings. By focusing on both financial numbers and the desired lifestyle, individuals can create a balanced and fulfilling retirement plan.” 
 
Engaging with a retirement income specialist can provide the necessary guidance to navigate this complex process, ultimately leading to peace of mind and a secure financial future. 
Video Link: https://www.youtube.com/embed/HmqvZct468s 
About Patrick Cotter 
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind their values, relationships and more importantly how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get them ready for what matters most and take action with more confidence. Focus areas are: 
– Retirement Income Planning – safe, predictable and guaranteed 
– Legacy Planning – maximize to whom and what is left to heirs 
– Wealth Transfer – tax efficient transfer strategies  
– Estate Planning –  Wills, Trust and Asset Protection 
– Social Security Optimization – claiming strategy guidance 
– Wealth Management – safe and tax efficient strategies for inflation risk 
 
Learn More: www.cotterfinancialgroup.com  

Cotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. 
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. 

CAREGD™ and Pivot Forward Co.™ Honor Selected Nonprofit Leaders at the 2025 Fund Your Mission Urban Awareness Conference During National Giving Month

During National Giving Month, CAREGD™ and Pivot Forward Co.™ highlighted four nonprofit leaders at the 2025 Fund Your Mission Urban Awareness Conference—amplifying organizations advancing financial literacy, wellness, trauma-informed care, and faith-based community empowerment.