Mike Milligan, Founder of 1 Oak Financial Interviewed on the Influential Entrepreneurs Podcast Discussing Your Retirement CHI

Mike Milligan discusses the concept of your retirement CHI 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-your-retirement-chi/
Mike Milligan, the founder of 1 Oak Financial. He delved into the concept of “Retirement Chi,” a term that Mike has trademarked, which emphasizes the importance of building a personal vision for retirement that goes beyond mere financial planning. 
Mike explained that while many retirees focus on investments and financial security, they often overlook the emotional and social adjustments that come with retirement. He highlighted the psychological impacts of this major life transition, including feelings of loss, anxiety, and identity shifts. Retirement Chi aims to address these concerns by focusing on three key elements: Community, Health, and Impact. 
Mike discussed how retirees can define their community—whether it be through family, friends, or social groups—and the importance of maintaining health and vitality during retirement. Mike emphasized that health is not just about avoiding illness but about creating energy and vitality for daily activities. The impact aspect encourages retirees to find ways to contribute and share their wisdom, whether through mentoring, volunteering, or engaging in meaningful conversations. 
Additionally, he explored the concept of “geographic arbitrage,” which involves relocating to areas with a lower cost of living while maintaining quality of life. Mike shared examples of clients who have successfully made this transition, allowing them to stretch their retirement dollars further and enhance their overall lifestyle. 
 Mike shared: “ I believe everyone is One of a Kind; and You deserve a One of a Kind Financial Plan that is about You.” 
Finally, Milligan touched on the significance of legacy planning, emphasizing that a meaningful legacy is built on values and experiences rather than just financial wealth. Mike’s approach integrates faith and personal values into legacy planning, ensuring that future generations inherit wisdom alongside wealth. 
Video Link: https://www.youtube.com/embed/_QhwZ4WveWc 
About Mike Milligan 
Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.” 
Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu,” Mike developed The One of a Kind Financial Plan. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii. 
 Learn more: http://www.1OakFinancial.com  
Recent News & Interviews:
Mike Milligan discusses The Sea of Sameness https://authoritypresswire.com/mike-milligan-founder-of-1-oak-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-sea-of-sameness/
Mike Milligan discusses “Deja vu Traps” in the Context of Retirement Planning https://authoritypresswire.com/mike-milligan-founder-of-one-oak-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-deja-vu-traps-in-the-context-of-retirement-planning/
Mike Milligan discusses Insights of the Paralysis Penalty https://authoritypresswire.com/mike-milligan-founder-of-1-oak-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-paralysis-penalty/
 
The information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan. Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken. 
 
 
 
 
 
 

Mike Milligan, Founder of 1 Oak Financial, Interviewed on the Influential Entrepreneurs Podcast, Discussing The Paralysis Penalty.

Mike Milligan discusses insights of the paralysis penalty 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-the-paralysis-penalty/
In this episode of Influential Entrepreneurs, host Mike Saunders welcomes back Mike Milligan, founder of 1 Oak Financial, to discuss the concept of the “paralysis penalty.” Milligan defines this penalty as the consequences of inaction and the costs associated with not seeking tailored financial advice. He highlights how many individuals feel overwhelmed by financial jargon from Wall Street, which can lead to confusion and a reluctance to make informed decisions about their wealth. The discussion delves into the significant costs—both financial and emotional—of doing nothing or simply following the crowd during market fluctuations.  
In today’s fast-paced financial landscape, the importance of timely decision-making cannot be overstated. The concept of the “paralysis penalty,” as discussed by financial expert Mike Milligan in a recent podcast, highlights the significant costs associated with inaction in financial planning. He explores the implications of delaying financial decisions and emphasizes the necessity of taking proactive steps to secure one’s financial future. 
The paralysis penalty refers to the detrimental effects of doing nothing when it comes to managing personal finances. Many individuals find themselves overwhelmed by the complexities of financial markets, often leading to a state of inaction. As Milligan points out, this inaction can stem from a lack of understanding or a fear of making the wrong decision. However, the consequences of this paralysis can be severe, both financially and emotionally.  
According to a 2024 Vanguard study mentioned in the podcast, retirees who delayed making strategic changes during market downturns experienced an average loss of 15% in potential portfolio growth over the subsequent decade. This statistic underscores the substantial financial cost associated with inaction. By failing to adapt to changing market conditions or to seek professional advice, individuals risk losing significant wealth that could have been preserved or grown through timely intervention. 
Moreover, the emotional toll of inaction can be just as damaging as the financial implications. The stress of uncertainty can lead to poor decision-making, which may exacerbate an already precarious financial situation. Individuals who remain passive in their financial planning may find themselves facing increased anxiety about their future, particularly as they approach retirement age. This emotional strain can further hinder their ability to make sound financial decisions, creating a vicious cycle of inaction and stress. 
The concept of opportunity cost is also critical in this context. When individuals choose to do nothing, they miss out on potential growth opportunities that could have been realized through informed decision-making. Each moment spent in indecision is a moment lost in which wealth could be built, preserved, or protected. For instance, the decision to delay investing in a diversified portfolio or to postpone seeking professional financial advice can result in missed opportunities for compound growth, which is essential for long-term financial health. 
The podcast also touches on the issue of analysis paralysis, where individuals become so bogged down in overanalyzing their options that they fail to make a decision altogether. This phenomenon can lead to further delays and financial losses. Milligan suggests that individuals should seek out credentialed professionals who can simplify complex financial concepts and help them navigate their unique situations. By working with a knowledgeable advisor, individuals can alleviate the burden of uncertainty and take decisive action toward their financial goals. 
Real-life examples further illustrate the importance of acting promptly to avoid financial loss. Milligan recounts instances where clients delayed making crucial financial decisions, only to realize later the significant costs associated with their inaction. By addressing these issues head-on and implementing strategic changes, clients were able to recover lost ground and set themselves on a path toward financial stability and growth. 
Mike shared: “I believe everyone is One of a Kind; and You deserve a One of a Kind Financial Plan that is about You.” 
In conclusion, the message is clear: acting now is essential to avoid financial loss. The paralysis penalty serves as a stark reminder of the costs associated with inaction and the importance of making timely, informed decisions. By recognizing the potential pitfalls of delay and seeking professional guidance, individuals can take control of their financial futures, break free from the cycle of inaction, and work toward building and preserving their wealth. The time to act is now—delaying may only deepen the financial challenges faced in the future. 
Video Link: https://www.youtube.com/embed/HDJthF2EDm8 
About Mike Milligan 
Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.” 
Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu,” Mike developed The One of a Kind Financial Plan. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii. 
Learn more: http://www.1OakFinancial.com  
 
Recent News & Interviews:

Mike Milligan discusses The Sea of Sameness https://authoritypresswire.com/mike-milligan-founder-of-1-oak-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-sea-of-sameness/
Mike Milligan discusses “Deja vu Traps” in the Context of Retirement Planning https://authoritypresswire.com/mike-milligan-founder-of-one-oak-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-deja-vu-traps-in-the-context-of-retirement-planning/

The information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan. Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken. 
 
 
 
 
 

Larry Tuch Launches The Abundant Wallet A Movement for Professionals to Master Money and Build Legacy

Author, real estate investor, and financial strategist Larry Tuch announces the release of his new book The Abundant Wallet Smart Methods for Mastering Money now available on Amazon at a special introductory price.

Therapist to reveal how unresolved trauma can sabotage relationships

Unresolved trauma can spell disaster for your love life, according to a therapist.
Anu Verma, a certified complex trauma recovery coach and therapist, says past trauma from our childhood or previous relationships has the potential to destroy future connections if it isn’t dealt with. She will be sharing her wisdom on how trauma can sabotage romance at an event aimed at empowering women in October.
The Coventry-based mother-of-two is one of the speakers appearing at Rise, a two-day event in Norwich which includes a number of inspirational talks along with a fashion show. Now in its sixth year, Rise aims to bring women from across the UK together for sisterhood, healing and transformation.
Anu, who hosts a podcast about healing from trauma called Victim 2 Victor, said: “Unresolvedtrauma lives in the body, not just the mind. Even if we’ve moved on cognitively, the nervous system may still be wired for survival, scanning for danger instead of safety.
“Unless we work with the nervous system directly, we keep repeating patterns. Not because we want to suffer, but because our body is trying to protect us based on old memories.”
As a survivor of childhood abuse and domestic violence, Anu has spent the past decadehelping others to heal from trauma and reclaim their sense of self-worth. She has written about her own experiences in her memoir, Victim 2 Victor, which is currently adapting into a feature film called Silent Screams – a girls journey to reclaim her voice.
During her talk at Rise, Anu will be explaining the hidden but powerful role our nervous system plays in who we are attracted to and why. She will also explore how healing at a somatic level can help people break free from destructive patterns and form safer, healthier connections.
Rise is being held on October 25 and 26 at The Maids Head Hotel, in Tombland, Norwich.
Tickets for the event are available now, with all proceeds of its charity raffles going to the Pandora Project, a domestic abuse charity supporting women and children in Norfolk.
For more information about Rise ,visit: https://www.eventbrite.co.uk/e/rise-tickets-1345234605919 or learn more about Anu at victim2victor.net

Mike Milligan, Founder of One Oak Financial Interviewed on the Influential Entrepreneurs Podcast Discussing “Deja Vu Traps” In The Context Of Retirement Planning.

Mike Milligan discusses “deja vu traps” in the context of retirement planning 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-exposing-the-deja-vu-traps/
Mike Milligan, founder of 1 Oak Financial, explains that deja vu experiences often evoke eerie feelings and can occur during less-than-happy moments in life. He emphasizes that in the realm of financial planning, these traps manifest as feelings of conformity and a lack of uniqueness among clients. At 1 Oak Financial, the goal is to create personalized financial plans that celebrate each client’s individuality, rather than providing a generic experience.  
The term “deja vu traps” in retirement planning encapsulates the repetitive and often detrimental experiences individuals encounter when they adhere to conventional financial advice without considering their unique financial situations. This concept is particularly relevant in the context of retirement, where the stakes are high, and the consequences of poor planning can be significant. 
Deja vu is a phenomenon where individuals feel as though they have experienced a situation before. In retirement planning, this translates to clients feeling as though they are receiving the same advice and facing the same challenges as others, leading to frustration and helplessness. Mike emphasizes that many people find themselves trapped in a cycle of negative experiences, often due to following generic advice that does not cater to their specific needs. 
Many individuals rely on traditional financial strategies, such as investing in annuities, bonds, or following a buy-and-hold strategy. While these methods may seem safe on paper, they can lead to significant pitfalls if not properly structured. For instance: 

Annuities: While they can be beneficial, the average variable annuity fee can range from 2.3% to 3% annually. Over time, this can result in substantial costs that erode retirement savings. Additionally, complex surrender charges and inflation risks can turn what should be a secure investment into a financial nightmare. 

Bonds: Often marketed as safe investments, bonds can be volatile, especially in a changing interest rate environment. If inflation outpaces bond yields, retirees may find their purchasing power diminished, leading to financial strain. 

Buy-and-Hold Strategy: This strategy, popularized by Warren Buffett, can be effective until market downturns occur. During such times, retirees withdrawing funds may lock in losses, compounding the damage and jeopardizing their long-term financial health. 

Milligan stresses the need for personalized financial planning that acknowledges the uniqueness of each client. The goal is to avoid the deja vu experience where individuals feel trapped in a cycle of repeating the same mistakes. By recognizing the distinct circumstances of each client, financial advisors can create tailored strategies that mitigate risks associated with inflation, taxes, and market volatility. 
 
Mike shared: “I believe everyone is One of a Kind; and You deserve a One of a Kind Financial Plan   that is about You.” 
 
To break free from these traps, individuals should be vigilant for signs that they may be following the herd mentality or relying on outdated advice. Some red flags include: 

High Fees: If clients are paying excessive fees for financial products without understanding their value, it may indicate a need for reassessment of their financial strategy. 

Lack of Proactive Communication: If clients only hear from their financial advisors during tax season or when statements arrive in the mail, it may be time to seek a more engaged and proactive approach. 

Tax Surprises: Unexpected tax bills can signal that a financial plan is not tax-efficient, which can significantly impact retirement income. 

Video Link: https://www.youtube.com/embed/m1of_zt0adg
About Mike Milligan 
Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.” 
Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu,” Mike developed The One of a Kind Financial Plan. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii. 
Learn more: http://www.1OakFinancial.com  
Recent News & Interviews:

Mike Milligan discusses The Sea of Sameness https://authoritypresswire.com/mike-milligan-founder-of-1-oak-financial-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-sea-of-sameness/

 
The information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan.  Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken. 
 
 
 
 
 
 

The World’s Largest BBQ Pit: The TexStar Smoker Rides Again Serving Heroes & Their Families

The TexStar Smoker, the world’s largest BBQ pit, is 76 ft long,80,000 pounds,24 smoking stations & can cook 12,000 pounds of meat simultaneously. It serves communities during times of need, honors veterans, law enforcement, and first responders. In Hurricane Harvey, fed over 55,000 people. It’s being restored with sponsors like Tex-Fab & Triple J Insulation Services 1. For more contact Jim Grant mailto:jim@arrowstreamtv.com or Emerson Brantley at web3@arrowstreamtv.com or call 904.701.7854

American Tire Pushes Through Road Construction with “Never Say Die” Resilience

As roundabout projects near completion, the family-owned shop calls on Lake & McHenry County residents to rally behind local businesses and keep the community rolling.

Roadshow to help CEOs embrace AI gets ready to tour the United States

An AI roadshow designed to help CEOs and executive teams learn how to make the most of artificial intelligence is about to start touring the United States.
AI for Executives is a one-day strategic workshop aimed at business leaders and senior managers, and no prior experience of using AI is necessary. Starting in Louisville, Kentucky on Friday, August 29, the event, run by ChiefAIOfficer.com, will then travel to different cities, including Chicago, Dallas and Atlanta.
Those attending the half-day sessions will learn how they can use AI within their organization. Attendees will also be given a clear, personalized 30-day roadmap they can put into action after the event.
Chris Daigle, founder of ChiefAIOfficer.com, which delivers AI training and certification, said: “AI isn’t the future, it’s the now, and most businesses are already behind. Our mission is to make AI understandable, usable, and profitable for real people and real companies.”

He added: “Our AI Executive Briefing is a high-impact, half-day event tailored for CEOs and executive teams and delivered by leading voices in AI strategy and execution. It combines strategy with action – showing attendees how to spot real AI opportunities and deploy them fast with minimal disruption.”

At the event, Chris will be joined by his business partner, Adam Lyons, a serial entrepreneur and expert in AI and business. Adam is also a guest lecturer at the University of Texas teaching MBA students about entrepreneurship and AI.

Adam said, “By the end of this decade, there will be two types of companies: those that are AI-enabled, and those that are obsolete. That’s it.”

The AI roadshow will start in Louisville, Kentucky, on August 29 before going to Orange County, California, on September 3 and Chicago, Illinois, on September 10. There will then be three events over three days in Texas, starting with a session in Austin on September 22, followed by Dallas on September 23 and Houston on September 24.

During October, the workshop will be in Rochester, New York on October 2, Kansas City, Missouri on October 17, Atlanta, Georgia on October 22 and Newark, New Jersey on October 29. More dates and locations will be added later this year.

The event is aimed at non-technical business professionals and senior leaders in lower middle market and above-sized companies. It is designed to be accessible to those with little or no knowledge and experience of using AI within their organization, as well as those who may have already started implementing the technology.

To find out more about AI for Executives and ChiefAIOfficer.com, visit www.chiefaiofficer.com/roadshow

PR expert to share how she overcame chronic shyness and found her voice

A PR expert who overcame chronic shyness will be encouraging women to speak out and own their voices at an event this October.
Luana Ribeira, the founder of Dauntless PR, is set to speak at the sixth Rise event in Norwich on October 25–26. The two-day event aims to empower women by celebrating their stories of resilience.
During her talk, Luana will share her insights on visibility and self-expression, drawing from her own personal journey from shy teen to PR powerhouse, speaker and actress. Growing up in Anglesey, Wales, Luana was so painfully shy that she couldn’t speak to anyone other than her closest family and friends and struggled to look people in the eye.
Luana says: “I’m passionate about helping people to own their voices in a world that wants to silence them. I know first-hand what it’s like to fight for your voice. We’ve been conditioned to shrink ourselves, but every time we hide, we chip away at our own identity and self-worth.”
She adds: “Choosing visibility is an act of courage, and an act of rebellion. The ripple effect it creates, in our own lives and in the lives of those who hear us, is nothing short of transformative.”
The 44-year-old mother of three founded Dauntless PR because she wanted to shine a spotlight on people focused on making a positive impact in the world. She overcame her own social anxiety when she discovered a love of performing – first dancing and then acting, going on to play a leading role in award-winning comedy horror There’s No Such Thing as Zombies.
A far cry from the shy teenager she once was, she specialises in building personal brands and helping people overcome their own fears around visibility. Luana, who often appears in the media herself, regularly challenges herself to do things which are out of her comfort zone, including doing her first-ever stand-up comedy gig on her 43rd birthday.
In its sixth year, Rise is known for its unique mix of storytelling, sisterhood and celebration. This year’s programme includes a fashion show, empowerment circle, dance party and vision board making, alongside inspirational talks.
The event, at The Maid’s Head Hotel in Norwich, will also see the launch of the WE RISE Club and raise funds for the Pandora Project charity.
To find out more about Rise or to book tickets, visit the official event page at https://www.eventbrite.co.uk/e/rise-tickets-1345234605919 or connect with Luana Ribeira at www.dauntlesspr.com.

Len R. Martinez, Founder of LRM Retirement, Interviewed on the Influential Entrepreneurs Podcast Discussing “The Truth About Annuities”

Len Martinez discusses the truth about annuities. 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-len-r-martinez-founder-of-lrm-retirement-discussing-the-truth-about-annuities/
In this episode of Influential Entrepreneurs, Len Martinez, founder of LRM Retirement, talks about the often-misunderstood topic of annuities. A financial advisor with more than 20 years of experience, Len shares how a defining moment during the 2008–2009 financial crisis shaped his approach to financial planning and reinforced his commitment to acting as a true fiduciary and providing advice that truly fits each client’s unique needs. 
Annuities tend to generate strong opinions, some people are skeptical, others are unsure, and that confusion often comes from a lack of clear information. As Len explains in the interview, the issue isn’t with annuities themselves, but how they’re recommended and used. When placed correctly within a well-planned financial strategy, annuities can play a valuable role for the right individual. 
Annuities have developed a bad reputation, often due to being sold in the wrong situations. Many advisors fail to fully explain how these products work or how they fit the client’s goals. Martinez points out that annuities are often sold to people they’re simply not suited for. This misalignment can result in clients feeling trapped or dissatisfied, particularly when they encounter situations where they cannot access their funds or when the product does not deliver the expected benefits. 
The problem is exacerbated by the fact that the term “fiduciary” is frequently misused in the industry. While many advisors claim to act in their clients’ best interests, the reality is that not all financial professionals are held to the same ethical standards. This disparity can lead to situations where clients are sold products that do not align with their financial goals, further tarnishing the reputation of annuities. 
Martinez explains that, when used correctly, annuities can offer real benefits: consistent income in retirement, protection from market fluctuations, and tax-deferred growth. However, their value depends entirely on the client’s situation, including their goals, income needs, risk tolerance, and timeline. 
What matters most, Martinez says, is taking the time to understand both the annuity and the person it’s being recommended to. These products aren’t one-size-fits-all. They should be just one part of a broader financial plan that includes different investment strategies and tools for managing risk. 
Fiduciaries play a key role here. A true fiduciary makes recommendations based on what’s best for the client, not what’s easiest to sell. Martinez emphasizes the importance of educating clients and providing them with the full picture, including both the benefits and the limitations, so they can make informed decisions they feel good about. 
By putting clients first, fiduciaries help clarify the confusion surrounding annuities and rebuild trust in the financial industry. Martinez’s goal is to ensure clients understand what they’re getting and why it makes sense for their plan. This educational approach empowers clients to make informed decisions, providing them with a sense of confidence and security in their financial future. 
As Len puts it, “The word fiduciary is kind of tossed around by people even on radio ads and in print, and as I’ve seen in person. And we take that very seriously.” 
Video Link: https://www.youtube.com/embed/1ySU_V_LuIs 
About Len R Martinez 
Len R Martinez is an Investment Advisor and a Fiduciary in Texas. Martinez is a fee-based planner and works primarily with clients planning for or in retirement. His goal for his clients is to replace “hopefully, we will” retirement with “we know we will” retirement. With 25 years of client relationships and success, Len focuses on educating his clients on how to plan for and pay for retirement. 
 
Learn more: https://lrmretirement.com/  
Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm, nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance, Consulting and Education services offered through LRM Retirement. LRM Retirement is a separate and unaffiliated entity from Simplicity Wealth.  An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to non-qualified distributions. Consult a tax advisor for specific information.  This information is provided as general information and is not intended to be specific financial guidance. Before you make any decisions regarding your personal financial situation, you should consult a financial or tax professional to discuss your individual circumstances and objectives.