Anika Ward launches a bold new movement empowering women to rewrite the narrative of their healing, transforming the pity party into a powerful praise party.
Michelle Moore discusses building the retirement paycheck
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-michelle-moore-founder-and-retirement-specialist-with-moore-family-wealth-discussing-building-your-retirement-paycheck/
Michelle explained how she helps clients transition from the uncertainty of “I hope I’ve saved enough” to the confidence of “I know I’ve saved enough” for retirement. She emphasized the importance of structuring retirement income through various sources like social security, IRAs, mutual funds, and other investment accounts.
As individuals approach retirement, the transition from a regular paycheck to a fixed income can evoke a mix of excitement and anxiety. The prospect of leaving behind the structured routine of a nine-to-five job often brings with it the daunting question: “Have I saved enough?” This uncertainty underscores the importance of thoughtful planning for retirement income—a process that goes beyond merely accumulating wealth and delves into the strategic allocation and management of resources to ensure financial stability throughout retirement.
Retirement, in essence, is not merely the cessation of work; it is a new chapter that requires careful financial consideration. Many individuals may find themselves in a situation where they have amassed significant savings, yet they remain apprehensive about their financial future. This anxiety is often rooted in the fear of outliving one’s savings, especially when faced with the unpredictable nature of markets and economic conditions. As illustrated in a recent podcast episode featuring retirement specialist Michelle Moore, even those who appear financially secure can feel overwhelmed by the prospect of retirement. For instance, a client with nearly $3 million in savings was still unsure about her readiness to retire, largely due to the lingering memories of her parents’ financial struggles.
The first step in thoughtful retirement planning is understanding one’s financial needs and aspirations. This requires a comprehensive assessment of what retirement looks like for each individual. Factors such as desired lifestyle, travel plans, hobbies, and potential side projects must be considered to create a clear picture of the financial resources required. Engaging in heartfelt discussions with a financial advisor can help retirees articulate their goals and develop a realistic budget that accounts for both essential expenses and discretionary spending.
Once a clear understanding of retirement needs is established, the next phase involves analyzing the various sources of income available. This includes Social Security benefits, pensions, retirement accounts such as IRAs and 401(k)s, and other investments. Each of these income streams may have different tax implications and levels of risk associated with them. A thoughtful planner will categorize these assets into pre-tax, tax-deferred, and tax-advantaged accounts, allowing for a strategic withdrawal strategy that minimizes tax liabilities while maximizing income.
In conclusion, retirement income requires thoughtful planning that encompasses a thorough understanding of individual needs, strategic asset management, and the creation of reliable income streams. By engaging in meaningful conversations and exploring various financial options, retirees can cultivate a sense of confidence and security in their financial future. Ultimately, with the right planning, retirement can become a fulfilling and enriching chapter, allowing individuals to enjoy their hard-earned savings while pursuing their passions and contributing to their communities.
Michelle shared: “There are things that we’ll need and want to do in retirement. And so some ways that we structure that retirement income is through anything that we’ve spent our previous 50 or 60 years putting together.”
Video Link: https://www.youtube.com/embed/ash7_Ie6Zso
About Michelle Moore
Michelle Moore is a licensed Health and Life Insurance Agent, educator, and former Occupational Therapist with over two decades of experience helping others thrive. After facing personal loss and financial uncertainty, she discovered the power of annuities, life insurance, estate planning, and real estate syndications to create lasting income and generational wealth.
Now, as the founder of Moore Family Wealth, Michelle empowers professionals, especially women, teachers, and caregivers, to protect what matters most and build financial security with clarity and confidence. She brings the heart of a teacher to every conversation, explaining complex concepts in simple, honest terms and creating personalized strategies for retirement, protection, and legacy.
Michelle’s mission is to help her clients retire not with fear, but with freedom knowing their money, their family, and their future are in capable, caring hands.
Learn more: https://www.moorefamilywealth.com/
The content of this podcast is for informational and educational purposes only and does not constitute financial, legal, or tax advice. Michelle Moore is a licensed life and health insurance agent. Listening to or interacting with this podcast does not create an agent-client relationship. Any opinions shared are those of the host and guests and do not necessarily reflect the views of any affiliated organizations or companies. In accordance with Federal Trade Commission (FTC) guidelines, the host discloses any financial relationships or sponsorships with companies or carriers mentioned during the podcast. Listeners are encouraged to consult a qualified financial or insurance professional for personalized guidance. Arizona Department of Insurance and Financial Institutions (DIFI) requires licensed producers to comply with all advertising and disclosure standards. This podcast is intended to comply with those requirements and is for general educational purposes only.
Michelle Moore discussing the retirement mindset
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-michelle-moore-founder-and-retirement-specialist-with-moore-family-wealth-discussing-the-retirement-mindset/
In this episode of Influential Entrepreneurs, Michelle Moore, the founder and retirement specialist at Moore Family Wealth. She delved into the crucial topic of the retirement mindset and how it can significantly impact one’s financial future.
Michelle shared her unique journey from working as an occupational therapist to becoming a financial advisor, driven by her personal experiences and the desire to help others avoid financial hardships. Her background in healthcare allows her to offer a holistic approach to financial planning, addressing both the emotional and financial aspects of retirement.
In the realm of financial planning, particularly in the context of retirement, the role of empathy cannot be overstated. As illustrated in a recent podcast featuring Michelle Moore, a retirement specialist and founder of Moore Family Wealth, empathy serves as a cornerstone for successful retirement planning. The discussion highlighted how understanding clients’ emotional and psychological landscapes can significantly impact their financial outcomes, transforming anxiety and uncertainty into confidence and clarity.
Retirement is often viewed through the lens of numbers—savings accounts, investments, and projected income. However, as Moore points out, it is also a deeply emotional experience fraught with fears and uncertainties. Many individuals grapple with questions such as, “Have I saved enough?” or “What will my future look like?” These concerns can lead to sleepless nights and overwhelming stress. The financial services industry, traditionally focused on quantitative analysis, often overlooks this emotional dimension. Yet, it is precisely this emotional connection that can facilitate a more holistic approach to retirement planning.
Moore’s background as an occupational therapist lends her a unique perspective on this issue. Having spent nearly three decades helping individuals recover from physical and mental health challenges, she understands the intricate relationship between financial stability and emotional well-being. This understanding allows her to provide clients not just with financial plans, but with reassurance and support that addresses their fears and anxieties.
Empathy enables financial planners to connect with clients on a personal level, fostering trust and open communication. When planners take the time to listen to their clients’ stories—like Moore did when she shared her own experience of loss and financial hardship—they build a rapport that is essential for effective planning. Clients are more likely to share their true concerns and aspirations when they feel understood. This openness allows planners to tailor their strategies to meet not only the financial goals of their clients but also their emotional needs.
Moore’s journey through personal tragedy and financial struggle exemplifies the power of empathy in action. After losing her husband to brain cancer and facing the daunting challenge of single parenthood with limited financial resources, she gained firsthand insight into the importance of financial preparedness. This experience fuels her passion for educating others about retirement planning, ensuring that no one else has to face similar hardships without a safety net. Her empathy drives her mission to empower clients, particularly women, to take control of their financial futures.
Empathy is a critical element that enhances the success of retirement planning. As Michelle Moore’s experiences and insights demonstrate, understanding the emotional landscape of clients can lead to more effective financial strategies and improved outcomes. By fostering trust and open communication, empathetic financial planners can guide clients through the complexities of retirement with confidence and clarity. As move forward in an increasingly complex financial landscape, it is essential for professionals in the industry to embrace empathy as a fundamental tool in their practice, ensuring that they not only address the numbers but also the human experience behind them. In doing so, they can help individuals and families build a more secure and fulfilling retirement, free from the anxieties that often accompany financial uncertainty.
Michelle shared: “I’ve been helping families with retirement planning is there’s so much fear around retirement. Have I saved enough? How much is enough? What’s inflation? What’s taxes? And it’s all of those uncertainties that provide anxiety and worry and keep us up late at night.”
Video Link: https://www.youtube.com/embed/Yeau8VxbRE8
About Michelle Moore
Michelle Moore is a licensed Health and Life Insurance Agent, educator, and former Occupational Therapist with over two decades of experience helping others thrive. After facing personal loss and financial uncertainty, she discovered the power of annuities, life insurance, estate planning, and real estate syndications to create lasting income and generational wealth.
Now, as the founder of Moore Family Wealth, Michelle empowers professionals, especially women, teachers, and caregivers, to protect what matters most and build financial security with clarity and confidence. She brings the heart of a teacher to every conversation, explaining complex concepts in simple, honest terms and creating personalized strategies for retirement, protection, and legacy.
Michelle’s mission is to help her clients retire not with fear, but with freedom knowing their money, their family, and their future are in capable, caring hands.
Learn more: https://www.moorefamilywealth.com/
Disclaimer: The content of this podcast is for informational and educational purposes only and does not constitute financial, legal, or tax advice. Michelle Moore is a licensed life and health insurance agent. Listening to or interacting with this podcast does not create an agent-client relationship. Any opinions shared are those of the host and guests and do not necessarily reflect the views of any affiliated organizations or companies. In accordance with Federal Trade Commission (FTC) guidelines, the host discloses any financial relationships or sponsorships with companies or carriers mentioned during the podcast. Listeners are encouraged to consult a qualified financial or insurance professional for personalized guidance. Arizona Department of Insurance and Financial Institutions (DIFI) requires licensed producers to comply with all advertising and disclosure standards. This podcast is intended to comply with those requirements and is for general educational purposes only.
Scott Edelman discusses the importance of wealth protection
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-scott-edelman-founder-of-edelman-wealth-management-group-discussing-wealth-protection/
Scott shared his extensive experience, highlighting that his firm has been in business for nearly 30 years, focusing on the principles of accumulating, protecting, and transferring assets. Emphasized that while accumulating wealth is relatively straightforward, protecting that wealth requires careful planning and strategic measures.
He discussed the importance of protecting one’s paycheck, especially during the working years, through disability income protection. Scott pointed out that without a steady income, individuals cannot pay bills, save for retirement, or educate their children. He stressed the need for young professionals to consider disability insurance to safeguard their financial future.
In today’s complex financial landscape, the importance of wealth protection cannot be overstated. As individuals accumulate assets throughout their working lives, they must also consider how to safeguard those assets from unforeseen circumstances. This dual focus on accumulation and protection is essential for achieving long-term financial security and legacy planning. Comprehensive planning emerges as a critical strategy for ensuring that wealth is not only built but also preserved and effectively transferred to future generations.
The framework for effective wealth management can be encapsulated in three key stages: accumulation, protection, and transfer. The accumulation phase is often the most straightforward; individuals save money and invest to grow their wealth. However, the transition to the protection phase is where many people falter. Wealth protection involves safeguarding one’s income, assets, and legacy against various risks that could undermine financial stability.
Scott Edelman, founder of Edelman Wealth Management Group, emphasizes that protecting one’s paycheck is paramount, particularly for younger individuals. Without a steady income, individuals struggle to pay bills, save for retirement, or support their families. Therefore, incorporating disability income protection into financial plans is crucial. This type of insurance ensures that if an individual becomes unable to work due to disability, they still have a source of income, thereby maintaining their financial obligations and protecting their assets.
Education as a Catalyst for Wealth Protection
Education plays a pivotal role in wealth protection. Financial advisors like Edelman serve as resources for clients, guiding them through the intricacies of wealth management and instilling a philosophy of financial responsibility. When clients understand the importance of protecting their income and assets, they are better equipped to make informed decisions that benefit not only themselves but also their families.
Moreover, this knowledge can have a trickle-down effect. As parents become more financially literate, they can pass on their understanding to their children, fostering a culture of financial awareness that begins at an early age. This proactive approach to financial education ensures that the next generation is better prepared to manage their finances, thereby enhancing the family’s overall wealth preservation strategy.
In conclusion, protecting wealth through comprehensive planning involves a multifaceted approach that prioritizes accumulation, protection, and transfer. By focusing on income protection, educating clients, and implementing effective legacy planning strategies, individuals can ensure their financial stability and the continuation of their wealth for future generations. As the financial landscape continues to evolve, embracing comprehensive planning will be essential for anyone looking to safeguard their wealth against the uncertainties of life.
Scott shared: “Why not protect your family and make sure that your legacy is intact, your assets are intact and you’re protected? It’s love.”
Video Link: https://www.youtube.com/embed/dSgFfavJOVM
About Scott Edelman
Scott is the President & founder of Edelman Wealth Management Group and manages all aspects of financial planning and employee benefits, providing products and services for investing, retiring, insurance, and estate conservation for individuals, families, and businesses.
He has a strong commitment to giving uncomplicated advice and unparalleled service and puts an emphasis on creating lasting relationships with his clients and within his community.
A natural teacher and mentor, Scott is a member of Strategic Coach, an entrepreneur business coaching program. He is a thought leader in the financial field and a regular speaker at conferences. Scott is also active with local charities and is on several boards.
Scott lives in Bucks County, PA with his wife and children.
Learn more: http://www.edelmanwealthmanagement.com/
Edelman Wealth Management Group, Inc. Heston Hall 1790 Yardley-Langhorne Road, Suite 202 Yardley, PA 19067
Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth
Scott Edelman discussing guaranteed income
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-scott-edelman-founder-of-edelman-wealth-management-group-discussing-guaranteed-income/
Scott Edelman delved into the concept of guaranteed income in retirement, emphasizing the importance of certainty and peace of mind for retirees.
Scott explained that guaranteed income is essentially about providing a reliable paycheck during retirement, which is crucial for individuals who want to ensure their financial stability after years of hard work and saving. Mike Saunders and Scott Edelman discussed how traditional pension plans are becoming less common, making it vital for individuals to explore alternative sources of guaranteed income, such as Social Security and guaranteed income annuities.
In today’s fast-paced world, the notion of retirement can be both exciting and daunting. After years of hard work and saving, the prospect of stepping away from the daily grind is appealing; however, many individuals grapple with the uncertainties that come with this life transition. The primary concern often revolves around financial stability—specifically, how to ensure a steady income stream that will last throughout retirement. This is where the concept of guaranteed income comes into play, offering retirees the peace of mind they desire.
Guaranteed income, particularly in the context of retirement, refers to a reliable source of income that individuals can expect to receive regularly, much like a paycheck. As Scott articulates, it’s less about the term “guaranteed” and more about the “certainty” it provides. Certainty of income is what allows retirees to plan effectively for their future, ensuring that they can cover their essential expenses and enjoy their retirement years without financial anxiety.
The importance of guaranteed income cannot be overstated. As individuals approach retirement, they often seek clarity about what their financial landscape will look like. The ability to predict monthly income allows for better budgeting and lifestyle planning. It alleviates the common fear of outliving one’s savings—a concern that ranks high among retirees. By establishing a guaranteed income stream, individuals can enjoy their retirement with the confidence that their financial needs will be met, regardless of unforeseen circumstances or market fluctuations.
One of the most familiar sources of guaranteed income is Social Security. This government program provides a baseline level of income for retirees, offering a sense of security. However, as Edelman points out, Social Security alone may not suffice to maintain the desired lifestyle during retirement. Therefore, it is crucial for individuals to explore additional avenues for guaranteed income. This is where products like guaranteed income annuities come into play. These financial instruments can be tailored to provide a steady paycheck for life, effectively functioning as a personal pension plan. By integrating such products into their retirement strategy, individuals can mitigate risks and ensure a reliable income source.
The psychological benefits of guaranteed income extend beyond mere financial stability. The peace of mind that comes from knowing one has a secure income stream can significantly enhance overall well-being. Retirees can focus on enjoying their newfound freedom—traveling, pursuing hobbies, or spending time with family—without the constant worry of financial strain. This mental clarity is invaluable, allowing for a more fulfilling retirement experience.
Moreover, the conversation around guaranteed income is particularly relevant in today’s economic climate, where traditional pension plans are becoming increasingly rare. As companies shift away from providing pensions, the responsibility of ensuring financial security in retirement has largely fallen on individuals. This shift makes it even more essential for retirees to take proactive steps in establishing guaranteed income sources, ensuring they do not face uncertainty during their golden years.
Scott shared: “I mean you’re right people love the word guaranteed- the word that I like to use when we talk about retirement is certainty of income because that’s really what you’re looking for in retirement.”
In conclusion, the concept of guaranteed income is pivotal in securing a peaceful and fulfilling retirement. It provides the certainty that retirees crave, allowing them to plan their lives without the looming fear of financial instability. By leveraging sources such as Social Security and guaranteed income annuities, individuals can create a robust financial strategy that not only meets their needs but also enhances their overall quality of life. As the landscape of retirement continues to evolve, embracing guaranteed income will be a key factor in achieving the peace of mind that every retiree deserves.
Video Link: https://www.youtube.com/embed/zd0znZe4kUU
About Scott Edelman
Scott is the President & founder of Edelman Wealth Management Group and manages all aspects of financial planning and employee benefits, providing products and services for investing, retiring, insurance, and estate conservation for individuals, families, and businesses.
He has a strong commitment to giving uncomplicated advice and unparalleled service and puts an emphasis on creating lasting relationships with his clients and within his community.
A natural teacher and mentor, Scott is a member of Strategic Coach, an entrepreneur business coaching program. He is a thought leader in the financial field and a regular speaker at conferences. Scott is also active with local charities and is on several boards.
Scott lives in Bucks County, PA with his wife and children.
Learn more: http://www.edelmanwealthmanagement.com/
Edelman Wealth Management Group, Inc. Heston Hall 1790 Yardley-Langhorne Road, Suite 202 Yardley, PA 19067
Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth Annuities are generally considered long-term investments and intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies – such as medical expenses. Annuities are not deposits of or guaranteed by a bank and are not insured by FDIC or any other agency of the US. All guarantees are solely backed by the financial strength and claims paying ability of the issuing insurance company. Lifetime income refers to an income rider or benefit that is an additional feature available with some annuities and generally optional and come with additional cost. Income benefits are designed to provide income options above and beyond the standard annuitization or free withdrawal features in annuities.
Scott Edelman discusses the main risks of retirement
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-scott-edelman-founder-of-edelman-wealth-management-group-discussing-risks-of-retirement/
In this episode of Influential Entrepreneurs, Scott Edelman, the founder of Edelman Wealth Management Group, explores the critical topic of the five risks of retirement. With nearly 30 years of experience in the industry, Scott shared valuable insights on how to navigate these risks effectively.
The discussion began with longevity risk, highlighting how advancements in modern medicine have led to longer lifespans, which necessitate careful financial planning to ensure that retirement savings last. Scott emphasized the importance of understanding not just how long one might live, but also the quality of life desired during those years.
Longevity risk refers to the potential financial strain that arises from living longer than expected. Traditionally, many individuals planned to retire around the age of 65 or 67, assuming their savings would sustain them for a decade or two. However, with modern medicine enabling longer and healthier lives, the reality is that retirees may need their savings to last well into their 90s or beyond. This shift necessitates a reevaluation of retirement strategies, as individuals must now consider not only their financial needs but also their quality of life during those extended years.
As Scott emphasizes, planning for longevity should begin early. It is not merely about accumulating wealth but rather about ensuring that those resources can support a desired lifestyle throughout retirement. Early planning allows individuals to assess their potential longevity and make informed decisions about their finances, health, and lifestyle. By understanding their expected lifespan, retirees can create a more accurate financial roadmap that accommodates their needs during various stages of retirement, from the active “go-go years” to the slower “no-go years.”
Edelman points out that longevity is not just about living longer; it is also about living well. Retirement should not be viewed solely as a financial endeavor but as an opportunity to enjoy life to the fullest. This involves considering factors such as health, fitness, and personal fulfillment. As individuals plan for longevity, they must also focus on maintaining their physical and mental well-being. Engaging in regular exercise, pursuing hobbies, and nurturing social connections are vital components of a fulfilling retirement. By prioritizing quality of life alongside financial security, retirees can ensure that their extended years are not only sustainable but also enjoyable.
In conclusion, planning for longevity in retirement is no longer an optional consideration; it is a necessity in today’s world. As people live longer, the risks associated with longevity must be addressed with proactive financial and lifestyle strategies. By starting early, focusing on quality of life, and preparing for the various stages of retirement, individuals can create a comprehensive plan that not only safeguards their financial future but also enriches their lives. As Scott Edelman wisely states, the goal is to provide the necessary resources for retirees to live the way they want to live, ensuring that their retirement years are both sustainable and fulfilling. By embracing this mindset, individuals can navigate the complexities of longevity and enjoy a rewarding retirement experience.
Scott shared: “Our clients see that in my own personal life is health and fitness is paramount, and I am preparing to live longer; therefore, I understand how to coach those individuals in retirement because people are going to take better care of themselves to also live longer. So when we prepare for that longevity, we like to have that conversation early, and really deep dive into not only are you going to live longer but what is your quality of life going to be? Our goal is to provide the necessary resources for them to live the way they want to live.”
Video Link: https://www.youtube.com/embed/BZZYa-cshmc
About Scott Edelman
Scott is the President & founder of Edelman Wealth Management Group and manages all aspects of financial planning and employee benefits, providing products and services for investing, retiring, insurance, and estate conservation for individuals, families, and businesses.
He has a strong commitment to giving uncomplicated advice and unparalleled service and puts an emphasis on creating lasting relationships with his clients and within his community.
A natural teacher and mentor, Scott is a member of Strategic Coach, an entrepreneur business coaching program. He is a thought leader in the financial field and a regular speaker at conferences. Scott is also active with local charities and is on several boards.
Scott lives in Bucks County, PA with his wife and children.
Learn more: http://www.edelmanwealthmanagement.com/
Edelman Wealth Management Group, Inc. Heston Hall 1790 Yardley-Langhorne Road, Suite 202 Yardley, PA 19067 . Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth
In an era where artificial intelligence (AI) is rapidly transforming industries, finance professionals are at a pivotal crossroads. To remain relevant and strategic, accountants and Chief Financial Officers (CFOs) must not only understand AI but also harness its potential responsibly.
Within 24 hours of its Nov. 4, 2025 launch, Carolyn Bell’s Unshaken hit #1 on Amazon in the U.S., Canada, and Australia, topping 15+ Self-Help & Psychology lists; Bell thanked readers for embracing its science-and-soul approach to healing.
A new book from former Space Shuttle Chief Engineer Mark L. Fox has entered the wellness world, and for a limited time, readers can grab it at a special Amazon Flash Sale price.
Next week hundreds of Americans will be escaping the stresses and strains of real life to step back in time and live out a medieval fantasy.
From Tuesday, November 11 to Sunday, November 16 an area of Texas near Austin will be transformed into a fully immersive experience inspired by fantasies like Game of Thrones, Lord of the Rings and Dungeons and Dragons. Hynafol’s Grand Gathering is taking place on the site of the Sherwood Forest Faire, in McDade and the entire area has been declared a technology and politics-free zone.
The six-day event allows participants to create their own characters, take part in quests, solve puzzles and even battle against mythical creatures. Tickets are still available for the Grand Gathering, including weekend passes and spectator day passes which will allow people to watch the action on Saturday, November 15.
Adam Lyons, who is one of the event organisers and co-owner of Hynafol, says: “People will live in a fantasy medieval village, wear real armor, battle orcs and goblins, build alliances, complete quests and solve puzzles. There’s no technology allowed – no phones, no Internet, just living and breathing this immersive experience.
“It’s the perfect way to switch off from what is going on in the world today and the stresses of
everyday life. We’re offering the ultimate escapism and we actually have a rule – while you’re here you can’t talk about politics or any real world issues at all.”
The Grand Gathering takes place on the grounds of Sherwood Forest Faire, one of the largest and most immersive medieval villages in the United States. The site includes its own castle, battlefield, jousting arena and multiple taverns and restaurants.
Hynafol, which means ‘ancient’ in Welsh, is now in its fourth year and the event has grown bigger each year. To find out more or buy tickets, visit www.hynafol.com