Daniel Wachs, Founder of Perpetual Wealth Management, Interviewed on the Influential Entrepreneurs Podcast Discusses Premium Finance: Leveraged Life Insurance

Daniel Wachs discusses Premium Finance
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-daniel-wachs-with-perpetual-wealth-management-leveraging-premium-finance/
In this episode of Influential Entrepreneurs, Daniel Wachs, owner and founder of Perpetual Wealth Management, speaks about leveraging life insurance through Premium Finance, which is exclusively designed for high-net-worth individuals. Daniel shared his extensive background in the financial services industry, starting at Northwestern Mutual in 1995 and eventually becoming an independent broker specializing in Premium Finance strategies for the past 15 years.
He explained the concept of Premium Finance, which involves using third-party lenders to finance larger loans to pay insurance premiums on behalf of clients. This strategy is particularly suited for high-net-worth individuals, typically those with a net worth of around $5 million or more, due to the substantial premiums involved.
In the realm of financial services, Premium Financing has emerged as a sophisticated strategy that less than 2% of the population qualifies for. This approach allows these individuals to preserve their wealth and also enhances their financial strategies. As discussed in Dan’s 1st podcast, understanding the intricacies of Premium Financing can provide significant benefits that traditional financial strategies often overlook.
Premium Financing is a method whereby a high-net-worth individual uses a third-party lender to finance life insurance premiums on his or her behalf. The loans are secured against the cash value of the insurance policy. This strategy allows clients to reduce their outlay, so they can invest their capital to potentially yield more than the cost of the loan.
High net worth individuals often have access to investment opportunities that require significant capital. By utilizing Premium Financing, they can keep their capital invested in higher-yielding assets while still securing the benefits of a life insurance policy. This dual approach allows them to optimize their financial portfolio, enhancing both growth and protection.
Benefits of Premium Financing

Retained Capital: One of the most significant advantages of Premium Financing is retained capital. By borrowing to pay premiums and paying a much smaller fee through interest, HNWIs can keep their money invested in their business or allocate their funds to alternative investments. This strategy not only maintains liquidity but also allows for more strategic investment opportunities.
Tax Efficiency: Life insurance policies can provide tax advantages, including tax-free death benefits and tax-deferred cash value growth. When structured properly, Premium Financing can increase these benefits, allowing clients to optimize their tax strategies and potentially reduce their overall tax liabilities.
Leverage: Premium Financing allows high net worth individuals to leverage their wealth. Clients may amplify their financial plan by paying interest rather than large premiums. This leverage can be particularly beneficial in estate planning, where the life insurance policy can provide liquidity to cover estate taxes, ensuring that more of the estate is passed on to heirs.
Flexibility and Customization: As Daniel Wachs emphasized in the podcast, Premium Finance Specialists will tailor strategies to meet the unique needs of each client. This flexibility ensures that the chosen strategy aligns with the client’s overall financial plan, taking into account their specific goals and circumstances.
Access to Better Rates: By working with multiple carriers and financial institutions, Premium Finance intermediaries can often secure better loan terms and interest rates for their clients. This competitive edge can further enhance the benefits of Premium Financing, making it a more attractive option for HNWIs.

The Premium Financing Concept is a powerful tool for high-net-worth individuals looking to enhance their financial strategies. By leveraging life insurance policies through borrowed funds, clients can preserve capital, optimize tax strategies, and maintain flexibility in their financial planning. As the financial landscape continues to evolve, Premium Financing offers a unique opportunity for affluent clients to navigate their wealth management in a way that aligns with their long-term goals. Understanding and implementing this strategy can lead to significant advantages, highlighting the importance of working with knowledgeable financial professionals who can provide tailored solutions to meet individual needs.
Daniel shared: “My job as a finance specialist is to make sure the policies are designed properly and to make sure the policies get funded and are performing to provide the benefits to the client and pay the lender back.”
Video Link: https://www.youtube.com/embed/MwfcBKYkH7k
About Daniel Wachs
Daniel has worked in the insurance and financial services business since 1995. He is the founder of Perpetual Wealth Management, LLC and the Perpetual Wealth System for Premium Financing transactions. Daniel’s business has been focused on Premium Financing for the last 15 years. Daniel is a National Vendor for Premium Finance Strategies, representing multiple life insurance carriers and finance lenders. Perpetual Wealth Management has funded over $2 Billion of Death Benefit and has over $750 million of funded and/or committed capital loans outstanding, with multiple finance lenders. Daniel works around the country with IMO’s, agents and HNW clients to implement these concepts. His main focuses entail Estate & Charitable Planning – Business Planning and Supplemental Income Planning. He has spoken at many industry events on the topic of Premium Financing. Daniel works and lives in Chicago with his wife, Anna Marie, and has three children, Isabelle, Alexandra, and Andrew.
If interested in learning more about Premium Financing and how these concepts can be implemented please book a no obligation 30-minute conversation with me.
Learn more: http://www.perpetualwm.com/

Greg DuPont of Advocate Wealth Solutions Explains How Proactive Planning Protects Families and Legacies in TV Interview

Greg DuPont, founder of Advocate Wealth Solutions, is helping families bring clarity, protection, and confidence to their financial and estate planning decisions by addressing risks before they become crises.
DuPont was recently featured in an interview on FOX 47’s “The Morning Blend,” where he discussed the importance of proactive planning and how thoughtful legal and financial coordination can help families avoid unnecessary loss, conflict, and uncertainty.
“Most families don’t lack effort—they lack clarity,” DuPont shared during the interview. “Good planning isn’t about reacting when something goes wrong. It’s about making clear, informed decisions early, so your family is protected no matter what life brings.
Effective planning, DuPont explains, goes far beyond documents or isolated financial strategies. Proper protection requires understanding how legal structures, financial decisions, and family dynamics intersect over time. Without that coordination, families often face unintended consequences that could have been avoided with proper guidance.
A cornerstone of DuPont’s approach is helping clients slow down and think clearly before acting. By leading with education and diagnosis rather than pre-packaged solutions, families gain a deeper understanding of their options—and the confidence to move forward intentionally. This proactive mindset helps reduce financial losses, prevent unnecessary disputes, and ensure that long-term decisions remain sensible years or decades into the future.
DuPont also emphasizes that planning is ultimately about people, not money. Whether working with young families, business owners, or retirees, his goal is to align legal and financial strategies with real-life priorities—protecting loved ones, preserving legacy, and creating peace of mind.
“When families know they’ve addressed the major risks and have a clear plan in place, they’re free to focus on living their lives—not worrying about what they missed,” DuPont said.
Advocate Wealth Solutions provides integrated guidance designed to help families make confident decisions today while protecting what matters most tomorrow. Through education-driven conversations and long-term stewardship, Greg DuPont helps clients replace uncertainty with clarity and move forward with purpose.

About Greg DuPont & Advocate Wealth Solutions
Greg DuPont is an estate planning attorney, comprehensive financial advisor, and entrepreneur dedicated to helping families protect what matters most—while making confident, informed decisions about their future.
As the founder of DuPont Law Group and a leader behind The Wealth Solutions Network and Advocate Wealth Solutions, Greg works with individuals and families who want more than documents or disconnected financial advice. His work focuses on clarity, protection, and long-term stewardship—helping clients reduce financial loss, avoid unnecessary conflict, and align their wealth with the lives they actually want to live.
Greg is known for taking complex legal and financial topics and translating them into clear, practical guidance. His approach is intentionally different: instead of selling products or pushing pre-packaged solutions, he leads with education, diagnosis, and trust. Clients often describe him as calm, strategic, and deeply invested in helping them think clearly before acting.
Over the course of his career, Greg has advised thousands of families on estate planning, wealth protection, retirement strategy, and legacy design. His work emphasizes proactive planning—addressing risks before they become crises—and helping clients make decisions today that still make sense decades from now.
At the center of Greg’s philosophy is a simple belief: good planning isn’t about money—it’s about people, responsibility, and peace of mind. Whether working with young families, business owners, or retirees, his goal is the same: to replace uncertainty with confidence and help families move forward with intention.
Greg lives and works by a mission to impact one million families by protecting legacies, reducing avoidable financial loss, and elevating the way people experience planning. When he’s not working with clients or building new initiatives, he is focused on teaching, mentoring advisors, and creating systems that make high-quality planning more accessible and human.

Learn more: https://www.advocatewealthsolutions.com
Recent News & Interviews:

Greg DuPont discussed Coordinating Financial Tax and Estate Decisions https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-coordinating-financial-tax-and-estate-decisions/
Greg DuPont discussed How to get to and Through Retirement Achieving Peace of Mind in Retirement https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-achieving-peace-of-mind-in-retirement/
Greg DuPont discussed Avoiding Unintended Consequences https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-avoiding-unintended-consequences/
Greg DuPont discussed Making Informed Financial Decisions https://authoritypresswire.com/greg-dupont-founder-of-advocate-wealth-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-making-informed-financial-decisions/

The information provided by Greg DuPont is intended for general informational and educational purposes only and does not constitute legal, tax, investment, or financial advice. Nothing discussed should be relied upon as a substitute for individualized advice from qualified legal, tax, or financial professionals. All planning strategies and concepts are general in nature and may not be suitable for every individual or situation.
Any references to financial strategies, investments, or planning concepts are not intended as a recommendation, solicitation, or offer to buy or sell any securities or financial products. Advisory services are offered only pursuant to an advisory agreement and where permitted by law. Past performance is not indicative of future results.
Participation in this content does not create an attorney-client or advisor-client relationship. Outcomes depend on individual circumstances, applicable laws, and market conditions, which are subject to change.

Randy Hux Founder & President of Hux Capital Management, On the Influential Entrepreneurs Podcast, Discussing Overcoming Financial Fears with Knowledge & Strategy.

Randy Hux discusses overcoming financial fears with knowledge and strategy
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-overcoming-financial-fears-with-knowledge-and-strategy/
Randy shared insights into the common fears people face, particularly the anxiety of whether they can retire safely without running out of money. He emphasized the importance of building trust with clients, noting that financial conversations require clarity and simplicity. Drawing from his experience as a former college baseball coach, Randy highlighted the need to educate clients without overwhelming them with jargon, ensuring they understand their financial strategies.
He also discussed the skepticism many clients have due to horror stories they’ve heard about the financial services industry. Randy reassured listeners that transparency and accountability are at the core of his practice. He believes in taking full responsibility for client outcomes and addressing any misinformation directly.
At the core of financial apprehension lies the fear of not being able to retire safely without running out of money. This anxiety is compounded by the overwhelming nature of financial information available today. Clients often feel lost in a sea of numbers, terms, and strategies that seem designed for experts rather than the average person. Hux emphasizes that the key to overcoming these fears is not merely to provide information but to ensure that clients understand it. This understanding is crucial in building trust, as clients need to feel secure in their financial decisions and the professionals guiding them.

The Role of Communication
Effective communication is paramount in the financial advisory process. As Hux notes, financial advisors must remember the principle that “when you confuse, you lose.” Many advisors may not realize that their explanations can often be laden with jargon that alienates clients rather than educating them. Instead of assuming a baseline level of knowledge, advisors should approach each client interaction as an opportunity to educate from the ground up. This involves distilling complex financial concepts into simpler terms that clients can grasp without feeling overwhelmed.
Trust is a cornerstone of any successful advisor-client relationship. Clients are more likely to trust an advisor who takes the time to explain concepts clearly and ensures that they understand the information being presented. Hux’s approach involves regularly checking in with clients to confirm their understanding, asking questions like, “Did that make sense to you?” This not only reinforces the information shared but also demonstrates a commitment to the client’s comprehension and comfort level.
Moreover, clients appreciate a straightforward approach that avoids unnecessary complexity. Hux’s philosophy is to keep financial discussions clear and concise, ensuring that clients do not feel talked down to or overwhelmed. By providing reassurance and simplifying the information, advisors can help clients feel more confident in their decisions and the strategies being employed on their behalf.
In an increasingly complex financial landscape, the ability to simplify concepts is essential for building trust between financial advisors and their clients. By prioritizing clear communication, foundational education, and ongoing support, advisors can help clients overcome their financial fears and feel empowered in their decision-making. The insights shared by Randy Hux highlight that the path to trust is paved with simplicity and understanding, ultimately leading to stronger, more productive relationships in the world of financial planning.

Randy shared: “because retirement is all about income. You’ve worked hard. You’ve got this nest egg. You’re protective of it as you should be. And you want to make sure that it’s in the right hands with the right and trusted professional. And that takes time to build trust with people.”
Video Link: https://www.youtube.com/embed/gLjmIdWaAVM
About Randy Hux
Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning.
As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients’ best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond.
Under Randy’s leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond.
Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms.

Learn more: http://www.huxcapitalmanagement.com/
Recent News & Interviews

Randy Hux Discussed Building Trust in Financial Advisory https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-interviewed-on-the-influential-entrepreneurs-podcast-discussing-building-trust-in-financial-advisory/
Randy Hux Discussed Securing Financial Future Through Holistic Planning https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-on-the-influential-entrepreneurs-podcast-discussing-securing-financial-future-through-holistic-planning/

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth.

Randy Hux Founder & President of Hux Capital Management, On the Influential Entrepreneurs Podcast Discussing Securing Financial Future Through Holistic Planning

Randy Hux discusses securing a financial future through holistic planning
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-securing-financial-future-through-holistic-planning/
Randy emphasized that holistic planning at Hux Capital Management is not just a buzzword but a comprehensive approach that touches on every aspect of a person’s estate. He clarified that estate planning is not exclusive to the ultra-wealthy; even those with modest assets can benefit from a well-rounded financial strategy.
In an era where financial jargon often overwhelms individuals seeking security and stability, the concept of holistic planning emerges as a beacon of clarity. Holistic planning transcends traditional financial management by considering the entirety of a person’s financial landscape, rather than focusing on isolated components. This comprehensive approach not only addresses immediate financial needs but also lays the groundwork for a secure and sustainable financial future.

Randy shared: “It’s not a buzzword for us. It truly is holistic from the standpoint that we try to touch on every single aspect of a person’s estate. And believe it or not, no matter how much money you have, you have an estate.”

Understanding Holistic Planning
At its core, holistic planning involves examining every aspect of an individual’s financial life. As Randy Hux, founder and president of Hux Capital Management, elucidates, holistic planning encompasses a wide array of financial elements, including estate planning, investment strategies, insurance needs, and tax implications. It is crucial to recognize that every individual possesses an estate, regardless of their financial standing. This understanding dismantles the misconception that estate planning and related services are exclusive to the wealthy, thereby opening the door for many to benefit from comprehensive financial strategies.
The holistic approach integrates various financial disciplines, ensuring that all components work synergistically. For instance, when planning for retirement, it is not enough to simply focus on saving; one must also consider the implications of required minimum distributions (RMDs), potential tax burdens, and the impact of Medicare. By addressing these interconnected elements, holistic planning helps individuals make informed decisions that safeguard their financial future.

The Role of a Family Office
A significant aspect of holistic planning is the concept of a family office, traditionally reserved for high-net-worth individuals. However, Hux Capital Management challenges this norm by offering family office services to a broader clientele. The essence of a family office lies in its ability to coordinate various financial services, including collaboration with attorneys and CPAs, to provide a cohesive strategy tailored to the client’s unique circumstances.
This collaborative approach is akin to a chess game, where each move must be carefully considered in the context of the entire board. Just as a chess player evaluates the potential consequences of each move, individuals must assess how their financial decisions will impact their overall strategy. By employing a holistic planning framework, clients can avoid pitfalls that may arise from isolated decision-making, such as triggering unnecessary taxes or penalties.

The Importance of Comprehensive Support
Holistic planning is not merely about financial products; it is about providing comprehensive support to clients. This includes educating them about various financial concepts and ensuring they understand the implications of their decisions. As Hux emphasizes, the goal is to empower clients with knowledge, enabling them to navigate their financial landscape confidently.
Moreover, the flexibility of holistic planning allows for personalized strategies that align with each client’s values and goals. Whether working with existing professionals or utilizing in-house expertise, the priority remains the same: to serve the client’s best interests. This client-centric approach fosters trust and collaboration, essential components for a successful financial journey.
In conclusion, holistic planning stands as a vital strategy for securing a financial future. By considering the entirety of an individual’s financial situation and fostering collaboration among various professionals, holistic planning equips clients with the tools and knowledge necessary to make informed decisions. This comprehensive approach not only mitigates risks but also maximizes opportunities for growth and stability. As individuals navigate the complexities of their financial lives, embracing holistic planning can lead to a more secure and prosperous future.
Video Link: https://www.youtube.com/embed/w0F4K_iIZ58
About Randy Hux
Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning.
As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients’ best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond.
Under Randy’s leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond.
Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms.

Learn more: http://www.huxcapitalmanagement.com/
Recent News & Interviews

Randy Hux Founder Discussed Building Trust in Financial Advisory https://authoritypresswire.com/randy-hux-founder-president-of-hux-capital-management-interviewed-on-the-influential-entrepreneurs-podcast-discussing-building-trust-in-financial-advisory/

Health Is the New Wealth: Ann M Wilkinson Launches a National Mission to Restore True Wellness and Return Medical Power Back to the People

After 45 years in the healing profession, Ann M Wilkinson, Fascial Integration Specialist, steps forward to help Americans reclaim their bodies, their longevity, and their freedom.
For more than four decades, Ann M Wilkinson, Founder of Amoga Life and Osteopathic Physical Therapist, has been quietly observing a dramatic shift in the health of the American population. With 45 years of hands-on experience treating thousands of patients failed by conventional systems, Wilkinson has reached a bold conclusion: true health has been taken out of the home, stripped from individuals, and placed into the hands of an insurance-driven model that limits healing instead of advancing it.
Now she is stepping forward with a powerful mission to bring health back where it belongs. Her message to the public is both empowering and urgent. You can feel better than ever at any age. You can defy what you have been told about aging. And you can take back command of your body by understanding it better than any other subject in your life.
A National Movement Rooted in Ancient Wisdom and Modern Truth
Wilkinson teaches that true wellness begins with knowledge and personal sovereignty. The human body was never meant to be mysterious. Ancient civilizations, earlier generations, and traditional healing systems understood how to maintain health, prevent stagnation, and correct dysfunction long before insurance companies began dictating care plans.
According to Wilkinson, stagnation in the body is one of the greatest hidden threats to modern health. Blockages can be physical, circulatory, emotional, or mental. When these blockages are addressed using time-tested principles, the body often responds with remarkable speed.
The Amoga Life approach draws from:
• European physiotherapy
• 3,500-year-old ancient healing techniques
• Herbal and homeopathic understanding
• Structural alignment principles
• Non-invasive corrective methods focused on restoring flow
These are the tools Wilkinson has used to help patients achieve outcomes they were told were impossible. She has witnessed individuals recover mobility, avoid surgery, reduce long-term inflammation, eliminate chronic pain, and reclaim their vitality after years of struggle.
Restoring Confidence, Clarity, and Freedom
Wilkinson notes that the professions of physical therapy and massage therapy have been reshaped by decades of insurance influence. Statutes and reimbursement structures often encourage treatments that increase complications instead of addressing core dysfunction. This shift has contributed to the steady decline in national health over the past 40 to 50 years.
“Your doctor works for you,” Wilkinson emphasizes. “You are the decision maker. You must understand the uniqueness of your own body, because only you live inside it. When you become knowledgeable, your outcomes change.”
Her mission is designed for:
• Healers of all types
• Mothers and homemakers
• Homeschooling families
• Physical therapy and medical students
• Holistic practitioners
• Anyone ready to reclaim ownership of their body
Wilkinson is especially focused on empowering individuals who value personalized care, seek deeper knowledge, and want to avoid unnecessary pharmaceuticals and invasive procedures.
A Voice for Truth at a Critical Time
As public awareness grows and the cultural climate shifts, Wilkinson believes America is entering a long-awaited era of medical freedom. People are ready for transparency. They are ready for solutions that work. They are ready to become the captains of their own ship.
“I can teach ten thousand people how to keep themselves healthy,” she shares. “The knowledge that has been hidden from the public and from many healthcare providers is now available. My goal is to restore trust, restore health, and help people transition into a new future with confidence.”
Call to Action
Individuals, healers, and organizations who want to learn these principles, experience hands-on education, or join Ann M Wilkinson’s national movement can explore upcoming workshops, programs, and resources.
Visit: https://my360sites.net/site/odyork

Interview with Shawn Mercer, Founder of Mercer Financial Group, on the Influential Entrepreneurs Podcast, Discussing Longevity Risk — Outliving Your Savings

Shawn Mercer discusses longevity risk
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-longevity-risk-outliving-your-savings/
In this episode of Influential Entrepreneurs, host Mike Saunders welcomes back Shawn Mercer to discuss the critical topic of longevity risk and strategies to avoid outliving your savings. The conversation highlights the growing concern among individuals regarding financial security in retirement, especially as life expectancy continues to increase due to advancements in healthcare and nutrition. Shawn emphasizes the importance of reassessing actuarial tables that may no longer reflect current realities, as retirees may need to plan for 15 to 20 years longer than previous generations.
Longevity risk is becoming an increasingly pressing issue for retirees, as many individuals are now expected to spend 20 to 30 years in retirement. This extended lifespan necessitates careful financial planning to ensure that retirees do not outlive their savings.
Understanding Longevity Risk
As discussed in the podcast episode, the fear of outliving one’s savings is a prevalent concern among retirees. Research indicates that a significant percentage of retirees—approximately 65% to 67%—view this as their primary worry. This fear is compounded by the fact that people are living longer than previous generations, thanks to advancements in healthcare, nutrition, and overall living conditions. For instance, retirees today may find themselves living into their 90s, which can stretch their financial resources thin if not properly managed.

Shawn explained: “To mitigate longevity risk, it is crucial for retirees to engage in thorough financial planning. This involves assessing their current financial situation, understanding their expected lifespan, and determining how long their savings need to last.”

Key Considerations in Retirement Planning
Budgeting: One of the first steps in effective retirement planning is establishing a clear budget. Retirees should identify their essential expenses and understand their fixed costs. This foundational step allows them to determine how much income they will need to cover their living expenses throughout retirement.
Social Security and Pension Plans: While Social Security benefits can cover a portion of retirees’ expenses, they are often insufficient to sustain their desired lifestyle. Therefore, creating a guaranteed pension plan can help cover any shortfall, providing a more stable financial foundation.
Investment Strategy: The podcast emphasizes the importance of diversifying investments across different asset classes. By employing a “bucket strategy,” retirees can allocate their funds into various categories designed to perform over different time horizons. This approach allows for a balance between growth and security, helping to ensure that funds last throughout retirement.
Healthcare Costs: Another critical aspect of longevity risk is the potential for extended healthcare needs. The discussion points out that many retirees may face significant healthcare expenses, including long-term care, which can be financially devastating if not planned for. It is estimated that around 70% of individuals will require some form of long-term care, making it essential to factor these costs into retirement planning.
Flexibility and Adjustments: As life circumstances change, retirees may wish to make significant purchases, such as buying an RV or taking a family cruise. It is important for retirees to have a flexible plan that allows for adjustments. Financial advisors can help retirees understand how to withdraw funds from their investments without jeopardizing their long-term financial health.
In conclusion, longevity risk is a significant concern for retirees, and careful planning is essential to avoid outliving savings. By establishing a clear budget, understanding the role of Social Security and pensions, diversifying investments, preparing for healthcare costs, and maintaining flexibility in their financial plans, retirees can better position themselves for a secure and fulfilling retirement. Engaging with a financial advisor can provide the necessary guidance to navigate these complexities and create a personalized retirement strategy.
Video Link: https://www.youtube.com/embed/z1neRYvW_7E
About Shawn Mercer
Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety.
With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Our approach centers on understanding each client’s goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation.
At Mercer Financial Group, we believe retirement should be lived with confidence. Our mission is to empower clients with clarity, thoughtful planning, and trusted expertise so they can enjoy the financial security they’ve worked hard to achieve.

Learn more: http://www.mercerfg.com/
Recent News & Interviews:

Shawn Mercer Discusses Inflation Rising Living Costs https://authoritypresswire.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-on-the-influential-entrepreneurs-podcast-discussing-inflation-rising-living-costs/
Shawn Mercer Discusses Market Volatility & Sequence-of-Returns Risk
https://authoritypresswire.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-on-the-influential-entrepreneurs-podcast-discussing-market-volatility-sequence-of-returns-risk/

Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS. Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors.

Sussex Mindfulness Mentor Shows Others How to Use Their Greatest Pain as Their Biggest Strength in Debut Book

Golden Scars: A Guide for Anyone Ready to Rebuild, Rise, and Wear Their Story with Strength will be published on Tuesday 3rd February 2026

Interview with Shawn Mercer, Founder of Mercer Financial Group, on the Influential Entrepreneurs Podcast, Discussing Market Volatility & Sequence-of-Returns Risk

Shawn Mercer discusses market volatility and the sequence of return risks
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-market-volatility-sequence-of-returns-risk/
Shawn Mercer, founder of Mercer Financial Group, to discuss the critical topics of market volatility and sequence of returns risk. The conversation begins with an acknowledgment of the often-avoided subject of risk in financial planning. Shawn emphasizes the inevitability of market volatility, especially for those invested in securities or bonds during retirement. He highlights the importance of understanding personal tolerance for volatility and encourages retirees to assess how much risk they can handle. The episode sets the stage for a deeper exploration into the implications of market fluctuations and how they can impact retirement planning.
In the realm of personal finance and retirement planning, two critical concepts often discussed are market volatility and sequence of returns risk. These topics are essential for anyone looking to secure their financial future, especially as they approach retirement.
Market volatility refers to the fluctuations in the prices of securities and investments over time. It is an inevitable part of investing, particularly for those who hold equities or bonds. Shawn Mercer, founder of Mercer Financial Group, emphasizes that understanding one’s personal tolerance for volatility is crucial. Each retiree must assess how much risk they are willing to accept, as this will influence their investment strategy.
Mercer points out that while market volatility can be daunting, it is essential for long-term growth. He advocates for maintaining a portion of equities in a retirement portfolio to combat inflation, especially since people are living longer in retirement—often for as long as they worked. This longevity places significant pressure on retirement savings, making it vital to have investments that can grow over time.
Sequence of returns risk is a specific type of risk that retirees face when they withdraw funds from their investment portfolios during market downturns. Mercer explains that this risk arises when individuals take withdrawals from their portfolios while the market is declining. This can lead to a detrimental cycle where the portfolio suffers from both market losses and the impact of withdrawals, potentially jeopardizing the retiree’s financial stability for years to come.
For instance, if a retiree experiences a market downturn shortly after retiring and needs to withdraw funds for living expenses, they may be forced to sell investments at a loss. This situation is akin to “buying high and selling low,” which can severely diminish the portfolio’s value and hinder recovery when the market eventually rebounds.
Strategies to Mitigate Risks
To address these risks, Mercer suggests a strategic approach to retirement planning. He recommends that retirees consider a diversified portfolio that includes both equities and fixed-income investments. This diversification helps to balance risk and ensure that retirees are not overly exposed to market fluctuations.
One effective strategy is to create a “teeter-totter” effect in the portfolio. This involves allocating funds into different asset classes that are not correlated, allowing for a more stable financial foundation. For example, retirees can utilize fixed and guaranteed income sources, such as insurance products from reputable carriers, to cover essential living expenses. This way, they can avoid liquidating investments during market downturns.
Shawn shared: “Identifying the minimum amount needed for living costs, retirees can allocate sufficient funds into guaranteed income sources, ensuring that their basic needs are met regardless of market conditions. This approach allows retirees to leave their equity investments untouched during downturns, providing them with the flexibility to weather financial storms.”
Navigating the complexities of market volatility and sequence of returns risk can be overwhelming for many individuals. Mercer emphasizes the value of working with a financial professional who can provide clarity and guidance. With years of experience, a financial advisor can help clients identify potential pitfalls and create a tailored retirement plan that aligns with their goals and risk tolerance.
In conclusion, understanding market volatility and sequence of returns risk is crucial for anyone planning for retirement. By employing strategic planning, diversifying investments, and seeking professional advice, retirees can better position themselves to achieve financial security and peace of mind in their golden years.
Video Link: https://www.youtube.com/embed/DjisCb9Hxg0
About Shawn Mercer
Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety.
With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Our approach centers on understanding each client’s goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation.
At Mercer Financial Group, we believe retirement should be lived with confidence. Our mission is to empower clients with clarity, thoughtful planning, and trusted expertise so they can enjoy the financial security they’ve worked hard to achieve.
Learn more: http://www.mercerfg.com/
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Randy Hux Founder & President of Hux Capital Management Interviewed on the Influential Entrepreneurs, Podcast Discussing Building Trust in Financial Advisory

Randy Hux discusses on how to build trust in financial advisory
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-building-trust-in-financial-advisory/
In this episode of Influential Entrepreneurs, Randy Hux, the founder and president of Hux Capital Management. Randy shared his unique journey from being a CPA and working in biotech sales to becoming a financial advisor. His personal experiences with financial advisors who provided mediocre advice during the 2008 financial crisis motivated him to enter the industry and offer a more client-focused approach.
In the realm of financial advisory, trust is not just a commodity; it is the cornerstone of a successful advisor-client relationship. The importance of building trust cannot be overstated, especially in an industry where clients often feel vulnerable and uncertain about their financial futures. Randy Hux, embodies the essence of client-focused advice, drawing from his personal experiences to create a service that prioritizes the needs and concerns of his clients.
Randy’s journey into the financial services industry is a compelling narrative that illustrates the significance of firsthand experience in shaping a client-centric approach. Initially a CPA and later a professional in the biotech field, Randy’s aspirations of becoming a Division I head baseball coach were thwarted by the financial turmoil of 2008. This period of personal and professional upheaval not only influenced his career trajectory but also exposed him to the inadequacies of the financial advisory services he had previously relied upon. His dissatisfaction with the advice he received from established firms during a critical time in his life became the catalyst for his transition into financial advisory.
What sets Randy apart from other advisors is his commitment to understanding his clients’ unique situations and offering tailored solutions that prioritize their best interests. He recognized that many individuals share similar frustrations with their financial advisors, often feeling that their concerns are met with generic responses and a lack of proactive engagement. Randy’s approach is rooted in empathy; he leverages his own experiences to foster a deeper connection with his clients, ensuring they feel heard and valued. This is particularly important in a field where clients may feel intimidated or overwhelmed by complex financial jargon and investment strategies.
Randy’s philosophy centers on the belief that effective financial management should not be a one-size-fits-all solution. Instead, he emphasizes the importance of creating personalized financial plans that align with each client’s goals, risk tolerance, and life circumstances. By doing so, he builds a foundation of trust, as clients can see that their advisor is not merely focused on profit margins but is genuinely invested in their long-term success. This client-first mentality is essential in establishing credibility and fostering loyalty, as clients are more likely to trust an advisor who takes the time to understand their unique needs and aspirations.
Moreover, Randy’s transition from a career in coaching to financial advisory underscores the importance of mentorship and guidance in building trust. Just as a coach develops strategies to enhance the performance of their team, a financial advisor must devise plans that empower clients to navigate their financial journeys confidently. This coaching mentality allows Randy to position himself not just as an advisor, but as a partner in his clients’ financial success. By adopting a collaborative approach, he encourages open communication and transparency, further solidifying the trust that is vital for a successful advisor-client relationship.
In conclusion, building trust through client-focused advice is a multifaceted endeavor that requires empathy, personalized solutions, and a commitment to open communication. Randy Hux’s journey from a frustrated client to a trusted financial advisor exemplifies how personal experiences can shape a more effective and compassionate approach to financial advisory. By prioritizing the needs of his clients and fostering a collaborative relationship, Randy not only distinguishes himself in a competitive industry but also reinforces the idea that trust is the foundation upon which successful financial futures are built. As clients increasingly seek advisors who prioritize their well-being and provide tailored guidance, the importance of a client-focused approach will continue to grow, ultimately leading to more fulfilling and successful financial partnerships.
Randy shared: “I don’t put production quotas on the people that work here for us. We just expect excellence. We don’t expect perfection. We strive for it, but we expect excellence, not only in our people professionally, but also personally.”
Video Link: https://www.youtube.com/embed/0K8Sf9eBKDA
About Randy Hux
Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning.
As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients’ best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond.
Under Randy’s leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond.
Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms.
Learn more: http://www.huxcapitalmanagement.com/
Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth.

Rey Perez Hosts Back-to-Back Live Business Growth Events in Salt Lake City, Empowering Entrepreneurs with Strategy, Sales Mastery and Scalable Remote Team Support

Global branding and business growth strategist Rey Perez is hosting two high-impact live events in Salt Lake City designed to empower entrepreneurs and founder-led businesses achieve clarity, increase revenue, and build scalable companies without burning out.
The experience begins with the Business Growth BootCamp, a three-day immersive event focused on supporting business owners’ identify growth bottlenecks, sharpen their brand positioning, and implement clear, executable strategies for sustainable growth. Immediately following, Perez hosts the Speaking & Sales Mastery three-day live event, equipping entrepreneurs with the one to many communication and sales skills needed to confidently lead conversations, convert opportunities and grow revenue with integrity.
“These events are built for founders who are done wearing every hat,” said Perez. “My mission is to support entrepreneurs’ get out of the weeds, step fully into the CEO role, and build businesses that grow because the strategy and systems are clearly defined.”
The Business Growth BootCamp dives deep into brand clarity, offer optimization, marketing alignment, leadership decision-making, and revenue strategy. Attendees leave with a customized growth roadmap and a renewed sense of focus knowing exactly what to prioritize and what to let go of.
BGB360.com
The Speaking & Sales Mastery event then turns that clarity into confidence and cash flow. Entrepreneurs learn how to effectively articulate their value clearly, lead high-trust sales conversations, overcome objections authentically, and communicate their message powerfully whether in a podcast interview, on stage, zoom or across any digital platform.
SpeakingandSalesMastery.com
A defining differentiator of these events is that attendees are not left alone to figure out implementation after the breakthrough. Participants have the opportunity to continue working with Team Rey Perez by bringing the firm on as a Fractional vCMO (Virtual Chief Marketing Officer).
Through the Fractional vCMO program, Perez and his team provide ongoing clarity, strategic leadership, and hands-on implementation across branding, marketing, and promotions allowing business owners to focus on what matters most; being the CEO and leader of their company.
“Entrepreneurs should not be buried in branding decisions, marketing execution, or promotional strategy,” Perez explained. “That’s our lane. When founders stay in their zone of genius and leadership, and we handle the brand, marketing, and growth strategy, businesses scale faster and with far less stress.”
FractionalvCMO.com
Behind the success of Team Rey Perez is a people-first culture that prioritizes growth, opportunity, and leadership development. Perez credits his team as the true backbone of the organization.
One standout example is Nicolle Cruz, whose journey reflects the company’s values in action. Nicolle joined the organization four years ago as an executive assistant through the firm’s Elite Virtual Teams service, which connects entrepreneurs with top-tier international remote talent. Through consistent performance and leadership, she advanced to assistant manager, then project manager, and now serves as Operations Manager. Today, Nicolle also holds revenue share in the business, marking a major milestone in her professional growth.
“Nicolle’s story represents everything we believe in,” said Perez. “When you invest in people, create clear growth paths, and reward excellence, you don’t just build a business you build leaders.”
The same philosophy drives the company’s Elite Virtual Teams service, which helps entrepreneurs scale by integrating highly vetted international professionals into their operations, marketing, and management systems. What begins as support often evolves into long-term leadership proving that great talent knows no borders.
EliteVirtualTeams.com
Hosted in Salt Lake City, the six-day live experience is more than a training it’s an invitation into a new way of building a business with clarity, confidence, systems, and a world-class team.
Entrepreneurs who attend can expect powerful breakthroughs, actionable strategies, and a clear path forward whether they choose to implement independently or partner with Team Rey Perez for ongoing growth and execution.

Authority Press Wire