Latest Stories in "In The News"

Building Bridges Becomes an International Bestseller, Empowering Readers and Young Leaders Worldwide

Building Bridges, the inspiring new anthology curated, led, and produced by Dr. Izdihar Jamil, has officially launched as an international bestseller, hitting #1 on Amazon charts in the USA, UK, and Canada. The book has surpassed iconic titles such as Talk Like TED, TED Talk, and How to Tell a Story in the Public Speaking category, solidifying its place as a must-read for anyone seeking to lead with empathy, connection, and impact.

The Cure for Stress Is Hiding in the Heart — Inside Phil Caylor’s Healing Haven and “The Heart Revolution”

In an era marked by anxiety, burnout, and endless striving, holistic healing pioneer Phil Caylor is leading a global movement toward heart-centered living and lasting well-being. With more than 50 years of experience and over 50,000 healing sessions conducted, Caylor—licensed acupuncturist, HeartMath Trainer, Certified Transformational Trainer, and founder of Healing Haven—has launched a groundbreaking initiative: The Heart Revolution, a transformative book and group program that helps people release stress, restore balance, and reconnect with the power of the heart. 
A Sanctuary for the Mind, Body, and Spirit 
Caylor’s Healing Haven isn’t just a clinic—it’s a sanctuary for transformation. Every inch of the facility was designed to dissolve stress, rejuvenate the body, and awaken inner peace. The environment is fully EMF-protected, shielding visitors from harmful electrical frequencies and creating an atmosphere that many describe as “the most relaxing place in the entire city.” 
Patients are greeted not only with warmth and love—but often with a heartfelt “Happy Rebirthday!” as they begin their journey back to wholeness. The experience includes state-of-the-art healing technologies valued at over $85,000, including infrared crystal mats, red light therapy, PEMF frequency systems, TDP lamps, and electro-acupuncture equipment that enhance circulation, reduce pain, and accelerate recovery. 
From organic unbleached cotton sheets and grounding mats that reconnect the body to the earth, to aromatherapy and customized frequency-based lighting, every detail of the Healing Haven experience is intentionally crafted to help guests return home to their hearts. 
From Stress to Love — The Heart Revolution Begins 
After decades in holistic health, Phil discovered a profound truth: most people try to fix stress from the mind, when the real solution begins in the heart. His new book, The Heart Revolution, and its accompanying group program reveal how to transform emotional tension into love, energy, and freedom through simple, science-based practices that blend nutrition, movement, energy medicine, and mindset transformation. 
“So many people try therapy, medication, or fitness programs and still feel stuck,” says Caylor. “That’s because stress isn’t just mental—it’s emotional energy stored in the body. When we learn to release that energy, healing happens naturally.” 
Participants of The Heart Revolution program learn daily tools to calm the mind, open the heart, and cultivate resilience—what Caylor calls “becoming unstressable.” His mission is to help people remember their divine truth: we are love itself, and healing begins when we live from that awareness. 
A Legacy of Love and Transformation 
Phil’s journey began in college, while studying psychotherapy and struggling with depression. A serendipitous encounter with the book Do-In introduced him to acupressure—and changed his life forever. After sharing the techniques with friends and witnessing their transformation, he found his calling. 
Since then, Phil has: 

Founded the first state-certified massage school in Santa Cruz County
Created Healing Haven, a premier destination for integrative wellness
Taught and mentored thousands through workshops, retreats, and heart-centered trainings
Blended ancient wisdom with modern science to redefine what true healing means
 

Today, The Heart Revolution and Healing Haven stand as the culmination of his life’s work—a bridge between science, spirituality, and self-love. 
About Phil Caylor 
Phil Caylor is a Holistic Healing & Wellness Specialist, licensed acupuncturist, and Certified Transformational Trainer with more than five decades of experience in integrative medicine. Known for his compassionate approach and innovative healing environments, Phil helps clients overcome anxiety, depression, chronic pain, and stress-related conditions through a blend of nutrition, movement, energy work, and heart-based living. 
When he’s not working with clients, Phil enjoys yoga, meditation, chi gong, and time in nature—living by the same principles he teaches. 
 
Join the Movement 
To learn more about The Heart Revolution book and group program—or to experience Healing Haven firsthand—visit www.PhilC360.com. 
Discover how to transform stress into love, awaken the heart’s intelligence, and experience what it truly means to live free. 
It’s time for a different kind of revolution—one that begins in the heart. 

Roy Snarr, Founder of Roy Snarr Retirement Solutions, Interviewed on The Influential Entrepreneurs Podcast, Discussing Roth Conversions

Roy Snarr discusses highlights of roth conversions 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-roy-snarr-founder-of-roy-snarr-retirement-solutions-discussing-roth-conversions/
In this interview, Roy Snarr explained the concept of a Roth conversion, highlighting the differences between traditional IRAs and Roth IRAs. He emphasized that converting funds from a traditional IRA to a Roth IRA allows individuals to pay taxes upfront, ensuring that all future growth is tax-free. Discussed the importance of timing when considering a conversion, particularly the five-year rule imposed by the IRS, which requires individuals to wait five years before accessing any interest earned on converted funds. 
A key point of our conversation was the break-even analysis for Roth conversions, which depends on factors such as age, rate of return, and individual financial goals. Roy advised that converting while taxes are historically low can be beneficial, and he recommended a systematic approach to conversions over several years to avoid jumping into higher tax brackets. 
In the realm of personal finance, few strategies are as compelling as Roth conversions, particularly when it comes to securing a tax-free financial future. As discussed in a recent episode of the podcast “Influential Entrepreneurs,” hosted by Mike Saunders, the intricacies of Roth conversions reveal a powerful opportunity for individuals seeking to maximize their retirement savings while minimizing their tax liabilities. This essay will explore the fundamental principles of Roth conversions, their benefits, and the strategic considerations one must take into account when contemplating this financial maneuver. 
At its core, a Roth conversion involves transferring funds from a traditional Individual Retirement Account (IRA) or a 401(k) into a Roth IRA. This process is significant because traditional IRAs and 401(k)s are funded with pre-tax dollars, meaning that individuals receive a tax deduction on their contributions, but they must pay ordinary income tax on withdrawals during retirement. In contrast, Roth IRAs are funded with after-tax dollars, allowing for tax-free growth and tax-free withdrawals in retirement. The crux of the Roth conversion strategy lies in the idea of paying taxes now to reap the benefits of tax-free growth in the future. 
One of the most appealing aspects of Roth conversions is the potential for tax-free growth. Once the funds are converted into a Roth IRA, any earnings generated from those investments are not subject to taxation, provided certain conditions are met. This feature is particularly advantageous for individuals who anticipate being in a higher tax bracket during retirement than they are currently. By converting to a Roth IRA, they can lock in their current lower tax rate and allow their investments to grow without the burden of future taxation. 
However, the decision to pursue a Roth conversion is not without its complexities. As highlighted in the podcast, individuals must consider their current financial situation, tax implications, and retirement timeline. For instance, the IRS imposes a five-year rule on converted funds, which stipulates that individuals cannot access the earnings from their Roth conversion without penalties until five years have passed. This rule makes Roth conversions less suitable for those approaching retirement who may need immediate access to their funds. Therefore, careful planning is essential to ensure that the timing of the conversion aligns with one’s financial needs and goals. 
The break-even point for a Roth conversion is another critical factor to consider. As discussed by Roy Snarr in the podcast, the time it takes for the tax benefits of a Roth conversion to outweigh the immediate tax cost depends on several variables, including the individual’s tax bracket and the expected rate of return on investments. For example, if an individual converts a significant amount and experiences substantial growth in their investments, the break-even point may be reached sooner. Conversely, if growth is sluggish, it may take longer to realize the benefits of the conversion. Therefore, individuals must weigh the potential growth of their investments against the immediate tax liability incurred during the conversion. 
Moreover, Roth conversions offer strategic advantages not only for the individual but also for their heirs. With the passage of the Secure Act 2.0, beneficiaries of inherited IRAs are required to withdraw the funds within ten years. If the inherited funds are from a traditional IRA, these withdrawals will be subject to taxation, potentially pushing heirs into higher tax brackets. In contrast, if the funds are in a Roth IRA, the heirs can access the money tax-free, preserving more wealth for future generations. This legacy planning aspect adds another layer of appeal to Roth conversions, as individuals can ensure that their loved ones benefit from their financial foresight. 
 
Roy shared: “Helping retirees live comfortably in retirement by protecting their assets and creating reliable lifetime income.” 
 
In conclusion, Roth conversions present a powerful strategy for enabling tax-free growth and securing a financially sound future. By converting traditional retirement accounts into Roth IRAs, individuals can take advantage of tax-free growth, potentially lower their tax burden in retirement, and create a lasting legacy for their heirs. However, careful planning and consideration of personal financial circumstances are essential to maximize the benefits of this strategy. As the podcast illustrates, the decision to pursue a Roth conversion is not merely a financial transaction; it is a strategic move that can significantly impact an individual’s financial well-being for years to come. 
Video Link: https://www.youtube.com/embed/xCe9os5QowY 
About Roy Snarr 
Roy Snarr specializes in asset protection, Long Term Care and retirement planning and is the host of Safe Money and Income Radio, broadcasting throughout central Texas. He is sought after nationally and helps people across the country with life insurance, long term care and guaranteed retirement income planning. Roy is a CFF (Certified Financial Fiduciary) a LACP (Life and Annuity Certified Professional) and a NSSA (National Social Security Advisor) destinations and is a proud member of MDRT: top 1% of licensed financial professionals in the United States. He is easy going, family oriented and loves meeting new people. 
Learn more: http://www.roysnarr.com/  

Recent News & Interviews:
Roy Snarr discussed Social Security Maximization https://authoritypresswire.com/roy-snarr-founder-of-roy-snarr-retirement-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-social-security-maximization/
Roy Snarr discussed Lifetime Income https://authoritypresswire.com/roy-snarr-founder-of-roy-snarr-retirement-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-lifetime-income/

DISCLAIMER: I do not work for any type of government office. 

Roy Snarr, Founder of Roy Snarr Retirement Solutions, Interviewed on The Influential Entrepreneurs Podcast, Discussing Lifetime Income

Roy Snarr discusses the importance of lifetime income 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-roy-snarr-founder-of-roy-snarr-retirement-solutions-discussing-lifetime-income/
The discussion centered around the concept of lifetime income, a crucial aspect of retirement planning that many people find confusing yet essential. 
Roy defined lifetime income as a guaranteed stream of income for life, akin to a paycheck, with Social Security serving as a prime example. Explored the importance of having a contractual guarantee in retirement, emphasizing that while many people rely on salaries, these can be unstable due to job changes or economic downturns. In contrast, lifetime income provides peace of mind and financial security. 
Guaranteed Income Enhances Retirement Peace 
Retirement is often viewed as a time of relaxation and enjoyment, a well-deserved break after decades of hard work. However, for many, the transition into retirement can be fraught with anxiety and uncertainty, particularly concerning financial stability. The concept of guaranteed income, as discussed by Roy Snarr in a recent podcast episode of Influential Entrepreneurs, emerges as a beacon of hope, offering retirees the peace of mind they need to truly enjoy their golden years. This essay explores how guaranteed income not only provides financial security but also enhances overall quality of life, leading to longer and happier retirements. 
At its core, guaranteed income refers to a reliable stream of payments that individuals can expect to receive for the rest of their lives, akin to a paycheck that continues even after one stop working. Snarr likens this to Social Security, a program that serves as a foundational element of retirement income for millions of Americans. The historical roots of guaranteed income can be traced back to the concept of annuities, which have been in existence since the Roman Empire. These financial instruments are designed to provide a steady income, much like pensions offered by employers. The importance of this contractual guarantee cannot be overstated; it represents a commitment that ensures retirees have the funds necessary to cover their living expenses, pursue hobbies, and travel, all without the fear of financial instability looming. 
One of the most compelling arguments for guaranteed income is its ability to alleviate the stress associated with market fluctuations and economic uncertainties. Traditional retirement savings vehicles, such as 401(k) plans, are subject to the volatility of the stock market. As Snarr points out, many retirees find themselves glued to the news, anxiously monitoring their portfolios as they react to the latest economic developments. This constant state of worry can detract from the enjoyment of retirement, leading to increased stress and anxiety. In contrast, retirees who have secured guaranteed income can rest easy, knowing that their financial future is stable and predictable. This peace of mind not only enhances their quality of life but has also been linked to improved health outcomes. Research indicates that individuals with guaranteed income sources, like pensions, tend to live longer and report higher levels of happiness. The psychological benefits of financial security are profound; retirees are less likely to be burdened by the stress of financial uncertainty and can focus on what truly matters—spending time with loved ones and enjoying life. 
Furthermore, guaranteed income plays a crucial role in preserving family wealth and legacy. Snarr emphasizes that even individuals with substantial assets may not have the liquidity necessary to support their lifestyle in retirement. Without a guaranteed income, retirees may be forced to liquidate assets at inopportune times, potentially jeopardizing their financial security and their heirs’ inheritance. By establishing a reliable income stream, retirees can ensure that they not only meet their own needs but also leave a lasting legacy for their families. 
The psychological and emotional benefits of guaranteed income extend beyond mere financial security. The ability to plan for the future without the constant worry of market conditions fosters a sense of control and confidence. This empowerment allows retirees to fully embrace their retirement years, engaging in activities that bring them joy and fulfillment. Whether it’s traveling to new destinations, pursuing hobbies, or spending quality time with family and friends, the peace of mind that comes from guaranteed income enables retirees to savor every moment. 
In conclusion, the concept of guaranteed income is essential for enhancing peace of mind during retirement. By providing a stable and reliable source of income, retirees can mitigate the stress associated with financial uncertainty, ultimately leading to a higher quality of life and increased longevity. The psychological benefits of financial security cannot be overlooked; retirees with guaranteed income are happier, healthier, and more fulfilled. As individuals plan for their retirement, prioritizing guaranteed income should be a fundamental consideration, ensuring that the golden years are not just a time of leisure but a period of joy and peace. 
 
Roy shared: “Helping retirees live comfortably in retirement by protecting their assets and creating reliable lifetime income.” 
Video Link: https://www.youtube.com/embed/kJxMwrqN8TU 
About Roy Snarr 
Roy Snarr specializes in asset protection, Long Term Care and retirement planning and is the host of Safe Money and Income Radio, broadcasting throughout central Texas. He is sought after nationally and helps people across the country with life insurance, long term care and guaranteed retirement income planning. Roy is a CFF (Certified Financial Fiduciary) a LACP (Life and Annuity Certified Professional) and a NSSA (National Social Security Advisor) destinations and is a proud member of MDRT: top 1% of licensed financial professionals in the United States. He is easy going, family oriented and loves meeting new people. 
Learn more: http://www.roysnarr.com/  
Recent News & Interviews:

Roy Snarr discussed Social Security Maximization: https://authoritypresswire.com/roy-snarr-founder-of-roy-snarr-retirement-solutions-interviewed-on-the-influential-entrepreneurs-podcast-discussing-social-security-maximization/

DISCLAIMER: I do not work for any type of government office. 

Jordan Mangaliman, Fiduciary Retirement Advisor & Founder of GoldLine Wealth Management Discussing Trust & Transparency in Retirement Planning

Jordan Mangaliman interviewed at The Influential Entrepreneurs Podcast discussing trust and transparency in retirement planning 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-discussing-trust-and-transparency-in-retirement-planning/
Jordan Mangaliman, a fiduciary retirement advisor and founder of Goldline Wealth Management. He delved into the crucial topics of trust and transparency in the financial advisory space, emphasizing how these elements have become vital currencies in today’s world. 
In an era characterized by rapid technological advancements and an overwhelming influx of information, the concept of trust has become more crucial than ever. As highlighted in a recent podcast featuring Jordan Mangaliman, a fiduciary retirement advisor, trust is not merely a commodity; it is a currency that must be cultivated through meaningful relationships. This essay explores the idea that trust is earned through relationships, particularly in the context of financial advising, and emphasizes the importance of communication, servanthood, and a commitment to client well-being. 
At the heart of the discussion on trust is the understanding that it is a fragile construct. As Mangaliman aptly points out, trust takes time to build but can be lost in an instant. This duality underscores the necessity for financial advisors to prioritize long-term relationships over short-term transactions. In the financial industry, where clients often seek guidance for significant life decisions, the advisor-client relationship should transcend mere transactional exchanges. Instead, it should embody a partnership grounded in mutual respect, understanding, and ongoing communication. 
Effective communication is a cornerstone of building trust. Mangaliman notes that many clients express dissatisfaction with their previous advisors due to a lack of communication. When clients feel neglected or uninformed, their trust erodes. In contrast, advisors who prioritize regular communication and provide valuable insights foster a sense of security and confidence in their clients. This proactive approach not only enhances the advisor-client relationship but also reinforces the notion that the advisor is genuinely invested in the client’s financial well-being. 
Furthermore, the distinction between customers and clients is pivotal in understanding the dynamics of trust. While customers may engage in one-off transactions, clients enter into a relationship that is transformational. Mangaliman emphasizes the importance of being present for clients during significant life milestones, from retirement planning to supporting family members in major purchases. This commitment to being there for clients through various stages of their lives creates a bond that is essential for earning trust. Clients are more likely to place their trust in advisors who demonstrate a genuine interest in their lives and financial goals. 
The principle of servanthood is another critical factor in establishing trust. Mangaliman’s firm embodies a philosophy of service, prioritizing the needs of clients above all else. When advisors approach their role with a mindset of servitude, they create an environment where clients feel valued and understood. This service-oriented approach fosters loyalty and trust, as clients recognize that their advisors are not merely seeking to sell a product but are dedicated to guiding them toward their financial objectives. 
Moreover, the concept of trust extends beyond the advisor-client relationship; it reflects broader societal dynamics. In a world where misinformation and skepticism abound, the ability to cultivate trust through genuine relationships becomes increasingly vital. As individuals navigate the complexities of financial decisions, they seek advisors who not only possess expertise but also embody integrity and transparency. Trust is built through consistent actions and a commitment to ethical practices, reinforcing the idea that relationships are foundational to earning trust. 
In conclusion, trust is not a given; it is earned through the cultivation of meaningful relationships. Financial advisors, like Mangaliman, exemplify the importance of communication, servanthood, and a client-centric approach in building trust. By prioritizing relationships over transactions, advisors can create a supportive environment that fosters trust and loyalty. In an age where trust is often in short supply, the ability to earn it through genuine relationships is invaluable, not only in the financial sector but across all facets of life. Ultimately, trust is a powerful currency that can lead to lasting partnerships and a more secure future for clients and advisors alike. 
 
Jordan shared: “I help retirees build a clear retirement plan, manage their wealth wisely, reduce taxes, secure reliable income, and create a lasting legacy for their families.” 
Video Link: https://www.youtube.com/embed/-BwKcURUEaQ
About Jordan Mangaliman 
Jordan is a second-generation Fiduciary Retirement Advisor and has dedicated the last 15 years to educating his clients on how to build and protect the assets they have worked so hard to accumulate. His family has now been serving clients for over 45 years and has helped over 1,200 families across the nation, spanning from Hawaii to New York. His diverse base of clients entrust him with their financial well-being, and he proudly owns a record free of any consumer complaints. This is a direct result of the core values at GoldLine Wealth Management. This expansive industry experience has allowed their team to provide sound advice to their clients during both bull and bear / recession markets. 
He earned his Bachelor’s Degree in Finance at UC Riverside. Personal finance, market trends, investment strategy, and wealth preservation is what drives Jordan’s hunger for knowledge which he shares with his clients and incorporates regularly into his practice. Jordan’s family has been a pioneer in the Christian-Catholic Ministries in Los Angeles for over 35 years. At a young age he was involved with his church’s ministry which planted the seed for his leadership positions today.   
“As a Fiduciary Advisor, our clients trust us because we have a track record of putting their needs first at all times. My job is to foster a relationship of trust, both legally and ethically. Our expansive industry knowledge, experience during up and down markets, research, and world-class service is what forges our lifelong relationships with our clients. Our tenets of full transparency and a high level of communication are the pillars of trust that we build with our clients and the multitude of financial institutions we work with. Many of our clients have become like family and we could not be more grateful for them.” 
 Learn more: https://goldlinewealthmanagement.com/  
Recent News and Interviews

Jordan Mangaliman discussed the Transition into Retirement https://authoritypresswire.com/jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-at-the-influential-entrepreneurs-podcast-discussing-the-transition-into-retirement/
Jordan Mangaliman discussed Building a Retirement Plan You Can Depend On https://authoritypresswire.com/jordan-mangaliman-of-goldline-wealth-management-at-influential-entrepreneurs-podcast-discussing-building-a-retirement-plan-you-can-depend-on/

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Cameron Bryant of Found Revenue Solutions & Retirement Specialist at Federal Employee Advocates Announces What Early Retirement Really Means Under FERS

Cameron Bryant, of Found Revenue Solutions and Retirement Specialist at Federal Employee Advocates, has released an in-depth educational overview explaining the true financial implications of early retirement for federal employees under the Federal Employees Retirement System (FERS). 
According to Bryant, while many public sector employees begin exploring early retirement options in their mid-50s, the tradeoffs can be substantial. 
“Early retirement sounds like a dream—more time and less stress—but in many cases, it leads to a reduced lifestyle unless you have other income sources or significant savings,” Bryant explains. “FERS was created to reward long-term service, and leaving early disrupts that equation.” 
Understanding the Mechanics of MRA+10 
Under the MRA+10 provision, federal employees can retire after reaching their Minimum Retirement Age (MRA) with at least 10 years of creditable service. In 2025, the MRA ranges from 55 to 57 depending on the year of birth. However, retirees face a 5% permanent reduction for every year before age 62, lose access to the FERS Special Retirement Supplement, and may have to postpone receiving their annuity to minimize penalties. 
Bryant notes that while postponing the annuity can reduce the financial hit, it also means giving up immediate income—making it critical to plan ahead. 
The Role of VERA: Not Always in Your Control 
The Voluntary Early Retirement Authority (VERA) provides another path for early exit, typically during agency downsizing or restructuring. Employees may retire as early as age 50 with 20 years of service or at any age with 25 years—and the usual 5% reduction is waived. However, Bryant cautions that this option isn’t under the employee’s control: it must be offered by the agency based on workforce needs. 
Impact on FERS Annuity and Benefits 
Retiring early directly affects how the FERS basic annuity is calculated. 

1% of High-3 x years of service applies under MRA+10 or early retirement. 

1.1% of High-3 x years of service applies if retiring at 62 or later with at least 20 years of service. 

By leaving early, retirees miss both the higher multiplier and additional years of service—reducing lifetime income by tens of thousands of dollars. 
Another major consequence involves Federal Employees Health Benefits (FEHB). To retain FEHB in retirement, employees must be eligible for an immediate annuity and have been enrolled for five consecutive years before retiring. Those who postpone their annuity to avoid the penalty lose FEHB coverage until payments begin—and in some cases, permanently. 
Social Security and TSP Considerations 
Retiring at 57 leaves a five-year gap before Social Security eligibility at age 62. Without the FERS Supplement (unless under VERA), retirees must fund this gap using savings or Thrift Savings Plan (TSP) withdrawals—potentially triggering 10% early withdrawal penalties before age 59½. 
“Accessing your TSP early requires strategic planning,” Bryant emphasizes. “Missteps here can create tax penalties and income shortfalls right when you’re transitioning into retirement.” 
Healthcare Costs and Lifestyle Tradeoffs 
Without FEHB, private health insurance can cost several hundred dollars per month until Medicare eligibility at age 65. Bryant explains that while early retirement brings freedom and relief from job stress, it also introduces long-term financial risk: 

Reduced lifetime pension income 

Higher healthcare costs 

Potential loss of FEHB coverage 

Early withdrawal penalties from TSP 

Income gaps before Social Security 

“Delaying retirement just a few more years often results in a significantly stronger financial foundation,” Bryant advises. “If leaving early is non-negotiable, your financial strategy must be airtight.” 
 
About Cameron Bryant 
Cameron has over 33 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: https://federalemployeeadvocates.com/Cameron/  
949-412-3534 
Cameron@ FederalEmployeeAdvocates.net   
Please be advised that any information provided in this correspondence shall not be construed by any person as legal, tax, investment, or accounting advice.  This message and any accompanying attachments may contain confidential, legal, and/or privileged information.

Roy Snarr, Founder of Roy Snarr Retirement Solutions, Interviewed on The Influential Entrepreneurs Podcast Discussing Social Security Maximization

Roy Snarr discusses social security maximization 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-roy-snarr-founder-of-roy-snarr-retirement-solutions-discussing-social-security-maximization/
In this episode of Influential Entrepreneurs, Roy Snarr, the founder of Roy Snarr Retirement Solutions, joined to talk about the critical topic of social security maximization. Roy shared his personal journey into the financial services industry, which was deeply influenced by a life-changing event in his youth when his mother became disabled. This experience ignited his passion for understanding social security and helping others navigate its complexities. 
Social Security serves as a fundamental safety net for millions of Americans, providing financial support during retirement, disability, or in the event of a loved one’s death. However, the system is complex, with various factors influencing the amount individuals receive. The most pivotal decision revolves around when to start taking benefits. Individuals can begin receiving Social Security as early as age 62, at their full retirement age (which varies depending on birth year), or delay benefits until as late as age 70. Each option carries distinct financial implications. 
As Roy Snarr highlights, one of the most common mistakes individuals make is not fully understanding the timing of their filing. The decision to file for benefits early can result in significant lifetime reductions in the monthly benefit amount. For couples, these reductions can add up to hundreds of thousands of dollars over time, underscoring the importance of strategic planning. If individuals are unaware of the long-term consequences of their filing decision, they may inadvertently jeopardize their financial security. 
Moreover, the Social Security Administration provides individuals with their own benefit estimates, but these figures are often presented in isolation. Couples may not realize the potential advantages of coordinating their benefits, which can further complicate the decision-making process. Without a comprehensive understanding of the rules and options available, individuals may find themselves making choices that could haunt them for the rest of their lives. 
The timing of Social Security benefits is a critical factor that can shape an individual’s financial landscape for years to come. As illustrated in the podcast discussion with Roy Snarr, poor timing can lead to substantial financial losses, while strategic planning can pave the way for a more secure retirement. By understanding the complexities of Social Security filing and seeking professional guidance, individuals can navigate this crucial decision with confidence, ensuring they maximize their benefits and achieve their financial goals. In the end, informed timing is not just a matter of convenience; it is a cornerstone of effective retirement planning. 
 
Roy shared: “Helping retirees live comfortably in retirement by protecting their assets and creating reliable lifetime income.” 
Video Link: https://www.youtube.com/embed/1zn58KF-Im4
About Roy Snarr 
Roy Snarr specializes in asset protection, Long Term Care and retirement planning and is the host of Safe Money and Income Radio, broadcasting throughout central Texas. He is sought after nationally and helps people across the country with life insurance, long term care and guaranteed retirement income planning. Roy is a CFF (Certified Financial Fiduciary) a LACP (Life and Annuity Certified Professional) and a NSSA (National Social Security Advisor)destinations and is a proud member of MDRT: top 1% of licensed financial professionals in the United States. He is easy going, family oriented and loves meeting new people. 
 Learn more: http://www.roysnarr.com/  
DISCLAIMER: I do not work for any type of government office. 

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