Pri Cosentino, Founder & Financial Advisor at Fern Prosperity, Discussing Her New Book “The New Rules Of Money”

Pri Cosentino discusses a new way to think, decide, and prosper in an economy defined by uncertainty, noise, and constant transformation.
In The New Rules of Money, Priscila Cosentino Unveils a Transformative Framework for Thinking, Deciding, and Thriving in an Uncertain Economy
As economic volatility, information overload, and constant technological shifts redefine the financial landscape, author and strategist Priscila Cosentino introduces a groundbreaking roadmap for navigating money with clarity, confidence, and purpose. Her new book, The New Rules of Money, reframes the way individuals understand and interact with personal finance in a world where traditional approaches no longer suffice.
Far from being just another finance book, The New Rules of Money digs beneath the numbers to explore the psychology, mindset, and emotional patterns that shape every financial choice. Cosentino argues that in an era marked by noise and uncertainty, the most valuable assets are no longer solely financial—they are mental.
Pri shared: “I’m excited to share this book because it highlights to us how important it is to stay up-to-date with new information. As well as seeing the difference between outdated data versus how we are leaving right now.”
Through practical insights, relatable examples, and actionable strategies, The New Rules of Money teaches readers how to:

Think clearly in a world full of financial noise by filtering distractions and identifying what truly matters.
Make confident decisions under uncertainty with frameworks that strengthen judgment and reduce second-guessing.
Build wealth that aligns with personal values and long-term goals, instead of chasing trends or external expectations.
Transform emotional reactions into strategic clarity, ensuring that fear, stress, and overwhelm don’t drive financial choices.
Lead their financial lives with awareness rather than anxiety, cultivating a sense of control no matter the economic environment.

More than a manual for money management, Cosentino’s work is a call to rethink how society defines security, success, and wealth. She empowers readers to shift from reactive decision-making to intentional, values-driven financial leadership.
“If you’ve ever felt overwhelmed, uncertain, or stuck in your financial journey,” Cosentino adds, “this book is designed to help you reclaim your sense of direction—and to show you that clarity is not a luxury, but a skill you can build.”
The New Rules of Money is poised to become an essential resource for individuals seeking a modern, psychologically grounded approach to financial well-being.
About Pri Cosentino
Priscila “Pri” Cosentino is a dynamic and accomplished Financial Advisor with over decades of experience in financial management across diverse industries in Brazil and the United States, including advertising, events, and retail. For over a decade, she has been mentored by top leads in the industry, refining her expertise in financial planning, wealth mindset, and strategic growth. Pri’s approach to financial planning is holistic and forward-thinking, combining technical expertise with insights into human behavior. Her dedication to client success is further reflected in her work as a published author, where she shares transformative insights to inspire others to reach their full potential. Fluent in English, Portuguese, German, and Spanish, Pri connects effortlessly with a diverse, global clientele, providing personalized solutions that align with their unique needs and aspirations.
Learn More: https://pricosentino.com/
Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor. Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline.
None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured. Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual’s situation.
Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client’s experience and should not be considered a testimonial.

Edwin Mays, MaysGroup Advisors, Interviewed on the Influential Entrepreneurs Podcast, Discussing Longevity Risk

Edwin Mays discusses longevity risk 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-edwin-mays-with-maysgroup-advisors-discussing-longevity-risk/
Edwin outlined the three stages of retirement: the “go-go years,” the “slow-go years,” and the “no-go years,” highlighting that healthcare costs become a significant concern as individuals age. Discussed the statistical likelihood of needing long-term care and the financial implications that come with it, especially for women who tend to live longer than men. 
Longevity risk is defined as the potential financial burden that arises when individuals live longer than expected, leading to the possibility of depleting retirement savings. Edwin Mays succinctly describes this risk as a “risk multiplier,” where the longer one lives, the more they are exposed to various financial challenges such as bear markets, inflation, and escalating healthcare costs. This multifaceted risk necessitates a proactive approach to financial planning, as individuals must consider not only their current financial situation but also their potential future needs. 
Mays categorizes retirement into three distinct stages: the “go-go years,” the “slow-go years,” and the “no-go years.” Each stage presents unique financial demands and lifestyle changes. During the go-go years, retirees are often eager to enjoy their newfound freedom, engaging in travel and leisure activities. However, as they transition into the slow-go and no-go years, healthcare costs become increasingly significant. It is crucial for retirees to recognize that while they may initially enjoy a vibrant retirement, the financial landscape can shift dramatically as they age. 
Healthcare costs represent one of the most substantial expenses retirees will face. Mays emphasizes that even if individuals cannot qualify for traditional long-term care insurance, they must still plan for the financial implications of healthcare needs. The likelihood of requiring long-term care is high, and the costs associated with such care can quickly deplete savings. Therefore, incorporating healthcare expenses into retirement planning is essential for ensuring financial stability throughout one’s later years. 
An important factor in retirement planning is the gender disparity in life expectancy. Research indicates that women tend to live longer than men, often resulting in unique financial challenges. If a husband predeceases his wife, the surviving spouse may lose a significant portion of their income, as they are typically reliant on the primary breadwinner’s social security benefits. This situation underscores the importance of considering both partners’ financial needs in retirement planning, particularly in relation to healthcare costs. Women, who often take on the role of caregivers, may also face additional financial burdens as they navigate their own health issues while caring for a spouse. 
Statistics reveal that a significant portion of the population will require some form of long-term care as they age. Mays highlights the staggering likelihood that individuals will need to address long-term care needs, which often exceed what traditional health insurance or Medicare can cover. This reality reinforces the necessity of incorporating long-term care planning into retirement strategies. Individuals must be aware of the potential for high healthcare costs and the importance of having a financial cushion to address these needs. 
 
Edwin shared: “we call longevity risk the risk multiplier, because the longer you live, the more bear markets, more inflation cycles and health care costs you’ll face.” 
In conclusion, the conversation around longevity and healthcare costs is critical for anyone approaching retirement. As life expectancy continues to rise, individuals must confront the reality of longevity risk and its implications for their financial future. By understanding the stages of retirement, acknowledging gender considerations, and preparing for the statistical likelihood of needing long-term care, individuals can create a comprehensive financial plan that ensures they do not outlive their savings. As Edwin Mays aptly puts it, one cannot enjoy retirement while constantly worrying about running out of fuel. Therefore, proactive planning for longevity and healthcare costs is essential for a secure and fulfilling retirement. 
Video Link: https://www.youtube.com/embed/n75c0p5niu8 
About Edwin Mays 
Edwin Mays is a Chartered Retirement Planning Counselor-CRPC – MaysGroup Advisors is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Their approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.   
With over 30 years in the financial services industry—including leadership roles at firms like Thomson Reuters, Merrill Lynch, Smith Barney, and Transamerica—Edwin Mays brings deep institutional experience and unmatched insight to every client engagement. As a Chartered Retirement Planning Counselor (CRPC), Edwin specializes in designing retirement strategies that guarantee lifetime cash flow and protect against the most serious threats retirees face today: market risk, longevity, and rising costs. 
At MaysGroup Advisors, Edwin’s mission is simple: replace uncertainty with strategy and give clients the confidence to retire on their terms—with income they can count on, no matter what the market does.  
Learn more: https://maysgroupadvisors.com/  
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. 

Edwin Mays, MaysGroup Advisors Interviewed on the Influential Entrepreneurs Podcast, Discussing Sequence of Returns Risk

Edwin Mays discusses sequence of returns risk 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-edwin-mays-with-maysgroup-advisors-discussing-sequence-of-returns-risk/
Using relatable analogies, Edwin compared navigating retirement finances to walking across a frozen lake, emphasizing how one wrong step—like a market downturn—can jeopardize years of careful planning. Explored the math behind this risk, illustrating how two investors with the same average returns can end up with drastically different outcomes based on the timing of their withdrawals. 
Edwin highlighted the importance of planning for retirement at least ten years in advance to mitigate this risk, as bear markets can occur multiple times before retirement. Also discussed the common misconceptions surrounding average returns and the dangers of assuming that the market will always recover. 
Retirement planning is a multifaceted endeavor that requires careful consideration of various financial factors. Among these, the concept of “sequence of returns” emerges as a critical yet often overlooked risk that can significantly impact an individual’s retirement savings. Understanding this phenomenon is essential for retirees and pre-retirees alike, as it can determine the longevity of their financial resources in the face of market volatility. 
At its core, sequence of returns risk refers to the potential for negative investment returns at the beginning of a retirement period to adversely affect the overall sustainability of a retirement portfolio. This risk is particularly pronounced for retirees who are withdrawing funds from their investment accounts to cover living expenses. When market downturns occur early in retirement, the consequences can be devastating. The retiree faces a double whammy: not only does the value of their investments decline due to market losses, but they are also forced to withdraw funds from a diminished account balance. This combination can lead to a rapid depletion of savings, often referred to as the “silent killer” of retirement plans. 
To illustrate the gravity of this risk, consider the analogy of walking across a frozen lake. A retiree, well-prepared with a solid financial plan, represents an individual equipped with a warm coat and sturdy boots. However, if market conditions are unfavorable—akin to thin ice—the retiree risks falling through if they encounter a sudden downturn. For instance, during the early 2000s, the stock market experienced a significant decline of nearly 50%. For individuals withdrawing funds during this period, the compounded effect of market losses and withdrawals could have disastrous consequences, potentially forcing them to delay retirement or alter their lifestyle drastically. 
One of the most perplexing aspects of sequence of returns risk is that it can occur even when two investors achieve the same average return over time. The timing of those returns plays a crucial role in determining the overall impact on a retirement portfolio. Imagine two hikers ascending a mountain, where one begins their journey on a sunny day while the other starts in a storm. Both may reach the summit eventually, but the one facing adverse conditions early on will expend more energy and resources, potentially jeopardizing their chances of success. Similarly, retirees who experience market downturns early in retirement may find their financial resources depleted long before they reach their retirement goals. 
A common misconception among investors is the belief that achieving an average return of 7% equates to actually receiving a consistent 7% return on their investments. This misunderstanding can lead to unrealistic expectations about the sustainability of retirement savings. The reality is that the sequence of returns matters significantly; retirees withdrawing funds during a market downturn will find their portfolios diminished at a faster rate than those who experience gains early on. 
In conclusion, the sequence of returns is a critical factor that can profoundly impact retirement savings. Understanding the implications of this risk can empower individuals to make informed decisions about their retirement planning. By recognizing the potential dangers posed by early market downturns and the importance of timing, retirees can develop strategies to mitigate this risk, such as diversifying their investment portfolios, maintaining a cash reserve for withdrawals during downturns, or adjusting their withdrawal strategies based on market conditions. Ultimately, being proactive about sequence of returns risk can help ensure a more secure and sustainable retirement. 
 Edwin shared: “Well, sequence of returns risk is, as I said, it’s a silent killer of retirement plans because the few market losses early on in retirement can drain your savings years too soon.” 
Video Link: https://www.youtube.com/embed/melG4T0-LoY 
About Edwin Mays 
Edwin Mays is a Chartered Retirement Planning Counselor-CRPC – MaysGroup Advisors is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Their approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.   
With over 30 years in the financial services industry—including leadership roles at firms like Thomson Reuters, Merrill Lynch, Smith Barney, and Transamerica—Edwin Mays brings deep institutional experience and unmatched insight to every client engagement. As a Chartered Retirement Planning Counselor (CRPC), Edwin specializes in designing retirement strategies that guarantee lifetime cash flow and protect against the most serious threats retirees face today: market risk, longevity, and rising costs. 
At MaysGroup Advisors, Edwin’s mission is simple: replace uncertainty with strategy and give clients the confidence to retire on their terms—with income they can count on, no matter what the market does.  
Learn more: https://maysgroupadvisors.com/  
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. 

Edwin Mays, MaysGroup Advisors Interviewed on the Influential Entrepreneurs Podcast, Discussing Market Risk

Edwin Mays discusses market risk 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-edwin-mays-with-maysgroup-advisors-discussing-market-risk/
In this episode of Influential Entrepreneurs, Edwin Mays from Mays Group Advisors joined to talk about the critical topics of market risk, bear markets, and the pitfalls of overconfidence in investing. Edwin shared his personal journey into the financial services industry, which was sparked by a desire to help others avoid the mistakes he witnessed with his parents’ retirement portfolios. 
Began by defining what a bear market is—characterized by a 20% drop from recent highs—and discussed the average decline of 38%, emphasizing the long recovery time required to break even. Edwin highlighted the common misconception that a 20% drop means a simple 20% recovery is needed, explaining the more complex reality of market recovery. 
The financial landscape is inherently unpredictable, characterized by cycles of growth and decline. Among these cycles, bear markets stand out as particularly daunting events for investors. Defined as a market decline of 20% or more from a recent high, bear markets occur approximately every five and a half years, with an average decline of 38%. The implications of such downturns are profound, particularly for retirees and those nearing retirement. As discussed by Edwin Mays in a recent episode of the podcast “Influential Entrepreneurs,” careful planning is not just advisable but essential for navigating the treacherous waters of bear markets. 
One of the primary challenges during a bear market is the psychological response it elicits from investors. Many individuals, driven by overconfidence, believe they can ride out the storm or even capitalize on market dips. This mindset, however, can lead to disastrous consequences. As Mays illustrates, the common misconception is that recovering from a 20% loss simply requires a 20% gain. In reality, the math is far more complex: a 38% drop necessitates a staggering 62% gain to return to the original investment value. For retirees, who may not have the luxury of time to wait for the market to recover, this reality can be devastating. 
The emotional toll of a bear market can lead investors to make impulsive decisions. Mays notes that when individuals see their account balances dwindle, they often feel compelled to invest more money in a desperate attempt to “catch up” to their previous levels. This instinct to recover losses can create a vicious cycle, where the pressure to act quickly leads to taking on additional risk, ultimately resulting in further losses. This phenomenon underscores the importance of having a well-structured financial plan that prioritizes safety and income stability over aggressive growth strategies. 
To mitigate the risks associated with bear markets, Mays advocates for a focus on income planning and safe money strategies. By prioritizing investments that provide steady income and are less susceptible to market fluctuations, individuals can create a financial buffer that allows them to weather downturns without the need to panic. This proactive approach to financial planning is crucial, as it empowers investors to maintain their financial stability even in the face of market adversity. 
In conclusion, bear markets are inevitable, and their impact can be profound, particularly for those nearing retirement. The psychological challenges of overconfidence and the instinct to react impulsively can exacerbate the situation, leading to further losses. However, with careful planning and a focus on income stability, investors can navigate these turbulent times more effectively. As Edwin Mays emphasizes, the key to surviving a bear market lies in preparation and a commitment to prudent financial strategies. By adopting a long-term perspective and prioritizing safety, investors can not only endure bear markets but also emerge from them with their financial health intact. 
 
Edwin shared: “Just to get back to where you were before the bear took place, you need a 62% gain. And that usually takes close to seven years. And so, you know, most retirees, they just don’t have seven years to wait and hope for the market to come back.” 
Video Link: https://www.youtube.com/embed/J2GsaZ0Yb1I 
About Edwin Mays 
Edwin Mays is a Chartered Retirement Planning Counselor-CRPC – MaysGroup Advisors is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Their approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.   
With over 30 years in the financial services industry—including leadership roles at firms like Thomson Reuters, Merrill Lynch, Smith Barney, and Transamerica—Edwin Mays brings deep institutional experience and unmatched insight to every client engagement. As a Chartered Retirement Planning Counselor (CRPC), Edwin specializes in designing retirement strategies that guarantee lifetime cash flow and protect against the most serious threats retirees face today: market risk, longevity, and rising costs. 
At MaysGroup Advisors, Edwin’s mission is simple: replace uncertainty with strategy and give clients the confidence to retire on their terms—with income they can count on, no matter what the market does.  
Learn more: https://maysgroupadvisors.com/  
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. 

Cameron Bryant of Federal Employee Advocates Explains How to Qualify for Another Pension in Retirement

Cameron Bryant discussing how to qualify for another pension in retirement 
Many people nearing retirement have no idea that they could qualify for another pension or guaranteed income stream. 
Many Nearing Retirement May Qualify for an Additional Pension Without Realizing It 
A growing number of Americans approaching retirement may be missing out on an unexpected financial opportunity: the possibility of qualifying for an additional pension or guaranteed income stream. According to new insights shared by retirement specialist Cameron Bryant, a significant portion of pre-retirees are unaware that they may be eligible for benefits beyond their primary pension. 
“Most people don’t realize that various employers, government programs, and even private plans offer pension options that can be accessed later in life—even if you’re already nearing retirement,” said Bryant. “These additional income streams can make a meaningful difference in long-term financial security.” 
Bryant notes that workers who have switched industries, held public-sector roles, served in the military, or contributed to certain lesser-known retirement plans may qualify for extra pension benefits. In many cases, individuals have lost track of previous entitlements or never received proper guidance about programs they contributed to earlier in their careers. 
As retirement costs continue to rise, uncovering any additional guaranteed income sources can help retirees better manage inflation, healthcare expenses, and long-term financial planning. Bryant encourages individuals aged 55 and older to review their employment history and request pension benefit statements from former employers or plan administrators. 
“It’s not uncommon for someone to have thousands of dollars in future income waiting for them without knowing it,” Bryant added. “A simple review can uncover opportunities that significantly improve retirement quality.”  
Bryant is currently working to educate pre-retirees on how to identify and claim these additional pensions, providing tools and guidance to help individuals navigate the often-overlooked aspects of retirement planning. TSP’s , IRA’s and 401k’s can be rolled into lifetime guaranteed income with full beneficiary benefits is part of that education.   
Cameron shared: “I feel this topic is so important because many retirees will need extra income in retirement. But, How can they get this added income stream?”  
About Cameron Bryant 
I have over 35 years’ experience in working with Business Owners, Seniors, Federal employees and Franchisee’s in the planning and development of Tax Favored Retirement plans, Living Trusts, Buy/Sell Agreements, Executive Bonus Plans Marketing and Wellness Benefit programs. I was able to work exclusively with the Franchisee’s of 7-11, Mobil, Shell, Hallmark, and Yamaha to create personal as well as business Retirement Plans. Working now exclusively with Federal Employees and retirees in helping them understand their benefits and helping them to retire with a sound and stable plan. 
Learn more: cameron360.com 

ZenRank Launches to Help Wellness Brands “Be the Answer in AI Search”

AI-powered SEO platform built for therapists, clinics, and wellness entrepreneurs who want to get found on Google and by AI tools like ChatGPT and Perplexity

Dr. Angela Harden-Mack Leads a Powerful Movement Helping High-Achieving Women Break Free From Burnout and Step Into the WELL Woman Era

Across the country, high-achieving women are quietly burning out while the world applauds their productivity. They are leading companies, raising families, advancing their careers, serving their communities, and carrying a mental and emotional load that often goes unseen. Research continues to show that women report higher stress levels than men and struggle to prioritize their own well-being. This is no longer a personal challenge. It has become a cultural crisis. 
Dr. Angela Harden-Mack, MD is stepping forward with a message that is reshaping this conversation. As a medical doctor, holistic wellness coach, and faith teacher with more than three decades of experience, she brings a unique blend of scientific insight, spiritual wisdom, and lived experience to the forefront of the women’s wellness movement. 
She has treated countless women who pushed themselves to the point of depletion. She understands the weight of responsibility many women carry. And she has lived the transformation she now teaches. Her mission is to show women that wellness is not a luxury. It is a necessity. And it begins with reclaiming alignment, boundaries, energy, and time. 
A New Book That Meets the Moment 
Dr. Angela is preparing to release a powerful new book focused on women’s wellness. While the title is not yet being revealed, the message is already generating excitement. 
In this upcoming release, she teaches busy women how to create personalized wellness plans that support their whole life. She guides readers through the process of setting healthy boundaries, understanding and using energy wellness, and mastering time management so they can move from scarcity to abundance. The book is designed to help women rise from exhaustion into clarity, flow, and energized living. 
This soon-to-be-released work builds on her WELL Woman Framework, which centers on awareness, alignment, balanced living, and sustained vitality. It is a compassionate roadmap for women who want to stop surviving and finally start thriving. 
A Call for Collective Support 
Dr. Angela is calling on corporations, colleges and universities, and faith communities to take a more active role in supporting the well-being of the women they depend on. Through Live Great Lives, she offers coaching programs, workshops, courses, and speaking engagements designed to equip women with the tools they need to reclaim their joy, confidence, and wellness. 
Women who are well show up differently. They think more clearly. They lead more effectively. They create with more confidence. Families benefit. Workplaces benefit. Communities benefit. Her work serves as both a personal empowerment guide and an organizational blueprint for sustainable change.
Video Link: https://www.youtube.com/embed/saaBtI_Vwbo
A Message of Hope and Possibility 
Dr. Angela’s mission is clear. She wants women to know there is a life beyond the grind. A life filled with energy, peace, pleasure, and purpose. A life where success does not require self-sacrifice. A life where they are supported in becoming whole, healthy, aligned, and well. 
Call to Action 
Media outlets, organizations, and event coordinators interested in interviews, expert commentary, partnerships, workshops, or early access to Dr. Angela Harden-Mack’s upcoming book can contact the Live Great Lives team for details. 
Visit: https://livegreatlives.com/ 

Best-Selling Author Jimmie L. Ward Shares His Powerful Message on National Television

Best-Selling Author Jimmie L. Ward, whose book “A Blueprint for Purpose and Life” debuted on the Amazon Best Seller list, recently shared his powerful message on the nationally syndicated God Made Millionaire TV with TC Bradley. Publisher TC Bradley calls Ward’s work “a needed voice for this generation,” empowering youth with identity, purpose, and strong moral character.

$25K in Website Makeovers Up for Grabs as SmallBiz.com Launches the Digital LEAP for Local Businesses

SmallBiz.com is launching the Digital LEAP, awarding $25K in website upgrades to six deserving small businesses. It’s a community-driven push to elevate local entrepreneurs and give them the digital foundation they need to thrive in 2026.

Sheryl J. Moore, President and CEO of Moore Market Intelligence and Wink, Inc. Interviewed on the Influential Entrepreneurs Podcast Discussing Annuities

Sheryl J. Moore discusses the importance annuities 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/sheryl-j-moore-is-president-and-ceo-of-moore-market-intelligence-and-wink-inc/
Sheryl J. Moore, the President and CEO of Moore Market Intelligence and Wink Incorporated. With over 26 years of experience in the life insurance industry, Sheryl shared her personal journey into the world of annuities, sparked by her own experience with a 401k and the realization that many people have misconceptions about these financial products. 
Sheryl emphasized the importance of educating consumers about annuities, particularly addressing common misconceptions such as the belief that annuities are illiquid. She explained that many annuities offer features that allow for penalty-free withdrawals and can provide guaranteed income for life, which is a significant concern for many Americans facing retirement. 
In today’s unpredictable financial landscape, the pursuit of stability and security has become a paramount concern for individuals planning their financial futures. One product that has gained attention for its potential to provide financial assurance is the annuity. Specifically, fixed annuities, as discussed in a recent podcast episode featuring Sheryl J. Moore, President and CEO of Moore Market Intelligence, offer a unique blend of guarantees that can serve as a cornerstone for a secure retirement. 
An annuity is a financial product designed to provide a steady income stream, typically during retirement. It is a contract between an individual and an insurance company, where the individual makes a lump-sum payment or a series of payments in exchange for periodic disbursements in the future. The appeal of annuities lies in their ability to mitigate certain risks associated with retirement planning, particularly the risk of outliving one’s savings. 
One of the most compelling features of fixed annuities is the guarantees they offer. Unlike variable annuities, which are subject to market fluctuations, fixed annuities provide a predetermined rate of return. This means that the principal investment is protected, and the investor is guaranteed not to lose money due to market downturns. This assurance can be particularly comforting for individuals who have experienced losses in other investment vehicles, such as 401(k) plans, as highlighted by Moore’s own journey into the world of annuities. 
Moreover, fixed annuities often come with the promise of a guaranteed income stream for life. This is a critical consideration for retirees who are concerned about the sustainability of their financial resources over an extended period. By converting a portion of their savings into an annuity, individuals can ensure that they receive regular payments, regardless of market conditions or personal circumstances. This feature addresses one of the most significant fears of retirees: the fear of running out of money. 
The significance of guarantees in fixed annuities cannot be overstated. In a world where financial markets can be volatile and unpredictable, the assurance of a fixed return and a reliable income stream provides peace of mind. The word “guarantee” resonates with consumers, evoking a sense of safety and stability that is often hard to find in other investment options. This psychological comfort is crucial for individuals planning for retirement, as it allows them to focus on enjoying their later years rather than worrying about their financial security. 
In conclusion, fixed annuities present a compelling option for individuals seeking guaranteed financial security. With their promise of stable returns, protection against market volatility, and the potential for lifelong income, these products address the fundamental concerns of retirees. As Sheryl J. Moore articulates in her podcast discussion, it is essential for consumers to seek credible information and dispel misconceptions surrounding annuities. By doing so, they can make informed decisions that pave the way for a financially secure retirement, allowing them to embrace their golden years with confidence and peace of mind. 
Sheryl shared: “I was very young at that time in my 20s. And when I did lose money, I complained to my boss and said, you know, what can I do with my money? I don’t like losing money. And he said, well, why didn’t you buy an indexed annuity? And that kind of started as a snowball for me learning about these products and becoming very passionate about them.” 
Video Link: https://www.youtube.com/embed/nREpOAbET9w
About Sheryl J. Moore 
Sheryl J. Moore is president and CEO of Moore Market Intelligence and Wink, Inc.. She is also the founder and creator of several competitive intelligence tools, including Wink’s AnnuitySpecs and LifeSpecs tools as well as Wink’s Sales & Market Report and Wink’s Index Intelligence Report.  
Moore Market Intelligence specializes in providing competitive intelligence tools to the insurance industry, particularly the life insurance and annuity markets. Ms. Moore provides competitive intelligence, market research, product development, consulting services, and insight to select financial services companies. She has authored books on annuity products, and her articles are featured in dozens of industry trade publications. She works closely with regulators and legislators in the insurance market. 
She has a degree in Political Science from Grand View University and holds numerous designations in the field of insurance services.  Neither Sheryl J. Moore nor Moore Market Intelligence sells or endorses any financial services products. 
Learn more: http://www.mooremarketintelligence.com/