Lisa C. Williams, Founder of CAREGD™, headlined the NFL M.O.M.S. “Next Play Networking Mixer” as keynote speaker, urging parents of athletes to listen — fully present — on and off the field.
During Mental Health Awareness Month, CAREGD™ activated across Atlanta and Los Angeles—bringing culturally grounded check-ins to athletes, barbers, and firefighters to make emotional wellness visible where pressure, performance, and silence often collide.
NIH-trained psychiatrist launches an innovative cognitive optimization tool designed for business leaders, high performers, and individuals seeking measurable mental enhancement.
Pennsylvania – In a time when mental load, decision fatigue, and high-stress environments are placing unprecedented demands on leaders, a renowned mental health expert is bringing a groundbreaking solution to the market. Dr. Muhamad Aly Rifai, an NIH-trained, multi-board-certified psychiatrist, internist, and addiction medicine physician, has announced the deployment of Kernel brain assessments, a cutting-edge technology that measures brain function and brain age in real time.
This advancement marks a major step forward in cognitive precision, personal development, and executive performance. As pressure increases for leaders to think faster, decide smarter, and adapt more effectively, Dr. Rifai’s work opens the door to a level of mental clarity and optimization previously unavailable outside advanced research settings.
“People want better thinking, better outcomes, and better lives,” Dr. Rifai says. “For the first time, we can actually measure brain performance and show people how to improve it in ways that create lasting change.”
A New Era of Cognitive Insight for Modern Leaders
From entrepreneurs to executives and high net worth individuals, today’s professionals operate in environments where clarity, emotional control, and strategic awareness are essential. Yet stress, anxiety, and burnout undermine performance. Leaders often do not know what their brain is doing under pressure, how it responds to challenges, or where cognitive bottlenecks exist.
Kernel brain assessments provide a direct solution. Using advanced neurotechnology, the system evaluates:
Real-time brain activity
Cognitive processing patterns
Executive functioning
Stress responses
Neurological aging markers
This allows clients to identify exactly where cognitive strengths and weaknesses lie, giving them a measurable path to improvement.
“Understanding your brain is the fastest way to change your outcomes,” Dr. Rifai explains. “Once you can see what the brain is doing, you can train it, strengthen it, and elevate every part of your life.”
A Powerful Tool for Personal and Professional Transformation
Dr. Rifai’s Executive NeuroShift model is designed to help clients:
Overcome personal and professional challenges more effectively
Sell and communicate with less resistance by understanding cognitive patterns
Reduce stress and anxiety to attract more abundance and mental ease
Enhance resilience, focus, and emotional stability
Improve decision making through measurable neurological insight
With more than 25 years of clinical experience, Dr. Rifai brings a rare combination of scientific expertise, medical rigor, and deep understanding of human behavior. Clients describe his work as transformative, especially when combined with Kernel assessments and Brainsway technology.
“People are tired of guessing,” he says. “They want clear answers and clear paths to better performance. This tool finally makes that possible.”
A Unique Offering With No Direct Competitors
According to Dr. Rifai, no existing retreat, program, or clinical environment is offering this combination of assessment, interpretation, and personalized cognitive enhancement. The integration of Kernel technology with his Executive NeuroShift framework creates a distinctive opportunity for leaders seeking a competitive edge in both life and business.
His upcoming retreats will allow participants to receive:
Full Kernel brain assessment
Interpretation and training with Dr. Rifai
Stress and anxiety reduction protocols
Tools for better communication, leadership, and emotional mastery
The combination is designed to create measurable improvements in clarity, performance, and everyday well-being.
Call to Action
Individuals interested in a Kernel brain assessment, Executive NeuroShift retreat, or private consultation with Dr. Rifai may visit the links below for details:
Website: https://drrifai360.com/
Blue Mountain Psychiatry: www.bluepsychiatry.org
Kernel Technology: www.kernel.com
Brainsway: www.brainsway.com
About Dr. Muhamad Aly Rifai
Dr. Muhamad Aly Rifai is a multi-board-certified psychiatrist, internist, and addiction medicine physician trained at the National Institutes of Health. He is the founder of Blue Mountain Psychiatry in Pennsylvania and a nationally recognized advocate for patient-centered mental health. With more than 25 years of experience, he specializes in cognitive enhancement, brain health, and innovative treatment methods designed to improve performance and emotional well-being.
Wexford-based agency recognized by North Hills community for trusted service and personalized insurance guidance.
Readers seeking clarity, confidence, and purpose in their financial lives now have an opportunity to access one of the most thoughtful approaches to financial life planning available today. Financial FLOW: The Art of Fulfilling Life and Optimizing Wealth by Violetta Sit Terpeluk is now featured in a Special Amazon Flash Sale.
Certified Financial Fiduciary® Owen Edwards, has officially been selected as a Dave Ramsey Trusted SmartVestor Pro—a designation awarded only to advisors who demonstrate the heart of a teacher, a fiduciary commitment, and a proven track record of helping clients eliminate confusion and build wealth with confidence. This recognition highlights the firm’s continued growth and its Client First Clarity process, which provides everyday families with step-by-step retirement planning, Social Security optimization, tax-smart distribution strategies, and safe, reliable income planning. Expanding his commitment to serving families, individuals, and business owners throughout Northeastern Pennsylvania and nationwide.
With this designation, Edwards joins a select group of financial professionals endorsed for their commitment to a client-first approach, long-term financial planning, and a dedication to education-based guidance. As a SmartVestor Pro, Edwards will continue to help clients build stronger financial futures through personalized retirement planning, tax-efficient strategies, and transparent fiduciary advice.
“Becoming a SmartVestor Pro reinforces what has always driven our firm — delivering trustworthy, values-based guidance that truly supports the goals of the families and businesses we serve,” said Edwards. “I’m honored to be part of a network aligned with integrity, financial literacy, and putting the client’s needs first.”
Edwards provides comprehensive financial planning designed to simplify complex decisions and empower clients to take control of their long-term financial well-being. His practice emphasizes proactive retirement strategies, minimizing lifetime tax exposure, and helping clients build sustainable plans that align with their personal and business goals.
The SmartVestor Program is part of the Ramsey Solutions network, known for championing financial education and encouraging individuals to take charge of their money. SmartVestor Pros are carefully vetted for professionalism, integrity, and a consistent focus on helping clients succeed.
Owen also shared: “I am excited to join the Dave Ramsey SmartVestor Pro program because it aligns perfectly with how we serve people — with education, transparency, and a true fiduciary mindset. I believe this work is so important because families deserve a plan they fully understand, one that gives them confidence, clarity, and long-term peace of mind. Helping people retire with dignity and control is one of the greatest privileges of my career.”
About Owen Edwards
Owen Edwards, Certified Financial Fiduciary®, is an IAR of Royal Fund Management, a SEC Registered Investment Advisory Firm serving clients nationwide. With more than 30 years of experience, Owen is known for his clear, educational approach and commitment to helping families make confident, informed financial decisions. Through his Client First Clarity process, he and his team provide disciplined planning, fiduciary oversight, and personalized retirement strategies. Owen is also a newly recognized Dave Ramsey Trusted SmartVestor Pro, reflecting his mission to serve with integrity and the heart of a teacher.
Learn more: https://edwardsinvestments.com/
Owen Edwards is an Investment Adviser Representative of and investment services offered through Royal Fund Management, LLC, an SEC Registered Adviser. 401(k) Maneuver is another business name for Royal Fund Management, LLC. Royal Fund Management LLC only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark. Insurance product guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products only. Royal Fund Management and Owen Edwards are not engaged in the practice of law or accounting and any advice provided should not be construed as legal or accounting advice. The information discussed and presented herein is intended to serve as a basis for further discussion with your financial, legal, tax and/or accounting advisors. It is not a substitute for competent advice from these advisors. Content was prepared by a third-party, unaffiliated provider and is not the product of the adviser or Royal Fund Management LLC, and should not be regarded as a complete analysis of the subjects discussed. Language used by the third-party that appears promissory should be considered as mere marketing hype or hyperbole and the reader is reminded that there can be no guarantees or assurances or any particular outcome. Although we believe the content is reliable, it is not guaranteed as to accuracy and is not intended to be the primary basis for investment decisions. All expressions of opinion reflect the judgment of the author as of the date of publication and are subject to change. All information and ideas should be discussed in detail with your Investment Adviser Representative prior to implementation.
Powerhouse Roofing has been named the #1 roofing company in Pittsburgh for 2025, and the reason goes far beyond rankings. This article breaks down what the recognition really means for homeowners—and how it helps you make smarter, safer roofing decisions before problems turn costly.
Carolyn Bell’s Unshaken has received formal recognition from the Best-Selling Authors Association, naming Bell a recognized member and honoring the book and author with awards for #1 international bestselling status.
Vincent Virga Discusses Roth Conversions on Steroids: How Retirees Can Combine Roth Strategies and Rule 7702 Planning in 2026 to Manage Long-Term Tax Exposure
2026 is an important year for retirees to review their long-term tax strategy. It focuses on how Roth conversions can help reduce future taxable income and how some retirees also review properly structured life insurance under Rule 7702 for added tax flexibility. It clarifies that both tools serve different purposes. It encourages retirees to speak with qualified professionals to decide if these strategies fit their needs.
Rising uncertainty about future income tax rates, the scheduled changes set to take effect in 2026, and reductions in the federal estate-tax exclusion have created an urgency for retirees and near-retirees to reexamine how they manage tax exposure across the remainder of their lifetimes. A coordinated plan that blends intentional Roth conversions with well-designed IRC §7702-qualified life insurance solutions can help create tax-diversified, flexible retirement balance sheets and reduce the risk of large taxable distributions for heirs. https://www.investopedia.com/major-2026-tax-bracket-changes-and-what-they-mean-for-retirement-planning-11860631?utm_source=chatgpt.com
“Roth conversions remove future tax uncertainty by paying tax now and creating tax-free buckets later, while 7702-qualified cash-value life insurance offers another tax-favored vehicle for cash accumulation and tax-efficient transfers,” Vicent explained.
Why 2026 matters
Several widely-reported developments make 2026 a critical planning year: federal income tax brackets and many individual provisions are changing after earlier expirations, and the lifetime federal estate-tax exclusion is scheduled to decline compared with recent years — both drivers of potentially higher tax burdens for retirees and beneficiaries. That combination increases the value of pre-emptive, tax-aware moves such as Roth conversions and tax-efficient life insurance design.
What “Roth Conversions on Steroids” means
This integrated approach uses three coordinated tools:
Strategic, staged Roth conversions — converting Traditional IRA/401(k) assets to Roth IRAs in targeted low-income years to lock in current tax rates, avoid future required minimum distribution (RMD) tax spikes, and reduce taxable income that could otherwise compound into larger tax events for heirs.
IRC §7702-compliant cash-value life insurance (7702 planning) — properly structured permanent life insurance that satisfies the tax-code tests under §7702 so cash value growth and policy loans can deliver tax-advantaged liquidity, and death benefits pass tax-efficiently to beneficiaries. These policies can serve as a complement to Roth buckets by providing tax-sheltered accumulation and legacy planning flexibility.
Holistic coordination with Medicare, IRMAA, and estate rules — because Roth conversions increase taxable income in the conversion year, planners need to model impacts on Medicare Part B/D surcharges (IRMAA), Social Security taxation, and estate tax exposure. Combining modest, multi-year Roth conversions with 7702 policy design can smooth taxable income and preserve net benefits. https://www.kiplinger.com/retirement/roth-iras/how-to-plan-this-years-roth-conversion?utm_source=chatgpt.com
Typical outcomes and who benefits
High-net-worth retirees concerned about future estate taxes and heirs’ tax bills: can reduce future taxable distributions and create a mix of tax-free and tax-favored assets.
Retirees expecting higher future tax rates: benefit from converting assets while current rates remain comparatively lower. https://www.barrons.com/articles/roth-traditional-ira-conversion-retirement-planning-9162ec06?utm_source=chatgpt.com
Those seeking tax-flexible liquidity (to pay long-term care, bridge cash shortfalls, or fund legacy gifts): may find 7702-qualified policies provide useful, tax-efficient access to cash via loans or withdrawals when structured correctly. https://www.insurancegeek.com/retirement/7702-plans/?utm_source=chatgpt.com
Realistic next steps for retirees
Gather current account balances, recent tax returns, projected retirement income, and existing life-insurance illustrations.
Ask an accredited financial planner and tax advisor to run Roth conversion scenarios for the next 3–7 years.
If considering 7702 planning, obtain multiple in-force illustrations and independent actuarial reviews to compare net-of-cost accumulation and access options.
Revisit estate documents and beneficiary designations so they reflect any new Roth or life-insurance allocations.
Vincent shared: “My team is excited to help retirees understand how changing tax rules may affect their long-term income. Roth conversion strategies give you a way to review your tax exposure with clarity and purpose.”
About Vincent Virga
Vincent Virga is a financial adviser, author, and CEO of PFS Wealth Management Group. He began his career on Wall Street in 1990 and moved to Main Street to help pre-retirees and retirees build clear and structured tax-efficient financial and retirement plans. He has been married for 33 years to his high school sweetheart. He has recently completed an IRONMAN and the NYC Marathon, achievements that reflect his discipline and drive. He brings that same commitment to the families he and his team serve each day.
Learn more: www.pfswealthgroup.com
Insurance products are offered through the insurance business PFS Wealth Management Group. PFS Wealth Management Group is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by PFS Wealth Management Group are not subject to Investment Advisor requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. PFS Wealth Management Group is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by PFS Wealth Management Group. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. A PR firm was paid to assist with media placement. 03553257- 12/25
Dr. Tamara Patzer advanced her national visibility work with a keynote at the Wealthy Me Experience and an interview with Elizabeth Bieniek, host of Cake on Tuesday. Patzer discussed AI identity integrity, expert verification, and the rising risks of misidentification in AI-driven systems.