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Leslie Hammock Founder of Retire By Design Interviewed on the Influential Entrepreneur Podcast Discussing The 5 Risks of Retirement

Lesie Hammock discussing The 5 Risks of Retirement 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-leslie-hammock-founder-of-retire-by-design-discussing-the-5-risks-of-retirement/ 
In this episode of Influential Entrepreneurs, host Mike Saunders welcomes Leslie Hammock, founder of Retire by Design, to discuss the critical risks associated with retirement. Leslie shares his personal journey into the financial services industry, which began after the tragic loss of his father where a drunk driver killed him. Inspired by the positive impact of a good advisor on his family’s financial situation, he dedicated himself to helping others achieve financial confidence. With over 40 years of experience, Leslie reflects on the evolution of the industry and emphasizes the importance of understanding retirement risks to prepare effectively. Tune in to learn valuable insights from Leslie’s extensive knowledge and experience. 
Understanding the Various Risks of Retirement 
Effective retirement planning requires a comprehensive understanding of the various risks that can impact an individual’s financial security during their retirement years. In a recent podcast episode featuring Leslie Hammock, founder of Retire by Design, several key risks were discussed, including market risk, tax risk, longevity risk, interest rate risk, and long-term care risk. Here’s a deeper look into each of these risks: 

Market Risk

Market risk refers to the potential for losses due to fluctuations in the financial markets. Leslie describes investments in the market as “red money,” indicating the inherent volatility and risk associated with these assets. Proper diversification is critical to managing market risk. Leslie emphasizes the importance of having a well-structured portfolio that includes non-correlated assets to protect against downturns. Additionally, understanding the sequence of returns risk is vital; if a market downturn occurs early in retirement, it can severely impact the sustainability of retirement income. 

Tax Risk

Tax risk involves the uncertainty surrounding future tax laws and their potential impact on retirement income. Leslie points out that tax laws can change frequently, and significant tax increases could occur if current tax cuts are not renewed. One specific concern is the Income Related Monthly Adjustment Amount (IRMAA), which can affect Medicare costs based on income levels. This can lead to higher out-of-pocket expenses for retirees, potentially eroding their Social Security benefits. Therefore, proactive tax planning is essential to minimize tax liabilities in retirement. 

Longevity Risk

Longevity risk is the risk of outliving one’s savings due to increased life expectancy. As medical advancements continue to improve healthcare, people are living longer, which can lead to financial strain if retirement savings are not adequately planned. Leslie notes that many individuals may not have considered the financial implications of living into their 90s or even 100s. This risk underscores the importance of creating a retirement plan that accounts for a longer lifespan, ensuring that individuals have sufficient resources to maintain their desired lifestyle throughout their retirement years. 

Interest Rate Risk

Interest rate risk pertains to the impact of changing interest rates on investment returns and income. Leslie explains that low interest rates can significantly affect the income generated from savings and fixed-income investments, such as CDs and bonds. For instance, retirees who relied on interest income from their savings may find themselves struggling if rates are low. Conversely, rising interest rates can also lead to volatility in the stock market. Therefore, retirees must be aware of how interest rate fluctuations can affect their overall financial situation and plan accordingly. 

Long-Term Care Risk

Long-term care risk is the likelihood of needing assistance with daily activities as one ages. Leslie highlights that a significant percentage of individuals will require some form of long-term care, which can be financially devastating if not planned for. The costs associated with long-term care can quickly deplete retirement savings, making it crucial for individuals to consider insurance options or other strategies to cover these potential expenses. Leslie advises that whether through insurance or self-funding, it is essential to make provisions for long-term care to protect retirement assets. 
Conclusion 
Understanding these various risks—market, tax, longevity, interest rate, and long-term care—is crucial for effective retirement planning. By recognizing and addressing these risks, individuals can create a more resilient retirement strategy that safeguards their financial future. Engaging with a fiduciary advisor, like Leslie Hammock, can provide valuable insights and personalized strategies to navigate these complexities and to help provide a more confident retirement. 
Proper Diversification and Strategic Planning in Retirement 
In the context of retirement planning, proper diversification and strategic planning are essential tools for managing the impact of uncontrollable factors such as market volatility and tax changes. As discussed in the podcast episode with Leslie Hammock, these elements play a crucial role in providing a more stable and confident retirement income. 
Understanding Market Volatility 
Market volatility, often referred to as “red money,” represents investments in the stock market that can fluctuate significantly. Leslie emphasizes the importance of diversification to manage this risk effectively. By spreading investments across various asset classes that are non-correlated to the market, retirees can help preserve their portfolios during market downturns. 
During the accumulation phase, individuals may focus on growth-oriented investments. However, as they transition into the preservation and distribution phases of retirement, the strategy should shift to include more stable, income-generating assets. This approach helps safeguard retirement income against market downturns, particularly during critical periods when retirees begin to withdraw funds. 
The Role of Strategic Planning 
Strategic planning involves anticipating potential risks and creating a comprehensive plan to address them. Leslie highlights five key risks in retirement: market risk, tax risk, longevity risk, interest rate risk, and the risk of needing long-term care. Each of these factors can significantly impact retirement income if not properly managed. 

Tax Risk: Tax laws are subject to change, and retirees must be prepared for potential increases in tax rates. Strategic planning can involve utilizing tax-efficient investment vehicles, such as Roth IRAs or municipal bonds, to minimize tax liabilities in retirement. By understanding the implications of tax changes, retirees can make informed decisions that protect their income.
Longevity Risk: With increasing life expectancies, retirees must plan for the possibility of living longer than anticipated. This requires careful consideration of how to allocate resources to ensure that income lasts throughout retirement. Leslie points out that many people may not realize the financial implications of needing long-term care, which can be a significant expense. Strategic planning can help address this risk by incorporating long-term care insurance or other financial products designed to cover these costs.
Interest Rate and Inflation Risk: Interest rates and inflation can erode purchasing power over time. Leslie notes that retirees should have exposure to investments that can grow in value and keep pace with inflation. This might include equities or real estate, which historically provide returns that outstrip inflation. By diversifying into these asset classes, retirees can better protect their income against the effects of rising prices.

Leslie shared: “Financial planning isn’t a one-time event. It shouldn’t be piecemeal. Retirement and Estate Planning should go hand in hand.  I am committed to walking beside my clients every step of the way” 
Video Link: https://www.youtube.com/embed/Iavm4KUxzBE 
 
About Leslie Hammock 
Leslie Hammock was born in Perry, Georgia, graduated from Stratford Academy, and later graduated from Mercer University in Macon, Georgia. He began his career with Mass Mutual. After a number of successful years, Leslie founded his own firm. Leslie has extensive personal and professional experience with an emphasis on Retirement and Estate planning strategies for professionals, business owners, and individuals working in both private and government sectors. 
Leslie has been the recipient of the National Quality Award. He is also a long-time member of the International Association of Registered Financial Consultants (RFC), a member of the National Ethics Association, and an Independent Fiduciary Investment Advisor. 
Leslie is an approved adult financial education instructor and holds classes at numerous local colleges on the subjects of Investment Planning, Retirement Planning, Social Security Maximization, Estate Planning, and many other topics. 
Leslie is dedicated to developing lasting relationships with all his clients in their wealth accumulation and preservation objectives. He takes pride in his ability to provide clear, easily understood strategies using various financial products, services, and cutting-edge analytical technology. 
Learn more: http://www.retirebydesign.com/  
 
Disclosures: Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC. Retire By Design is not affiliated with Integrity Wealth.  Disclosures:  Diversification does not guarantee a profit or protect against loss in a declining market. It is a method used to help manage investment risk. Disclosures: Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits. 
 
 
 
 

#1 Branding Expert, Rey Perez, Supercharges Utah Entrepreneurs with High-Impact Events

Salt Lake City, UT – International branding strategist and renowned keynote speaker Rey Perez, affectionately known in entrepreneurial circles as Google’s #1 global branding expert, has officially relocated his business headquarters from the vibrant city of Miami to the scenic mountain landscapes of Salt Lake City, Utah. His arrival hasn’t just added another high-profile leader to the area—it’s sparked a powerful shift in the local business and personal development communities.
Within just a few months of his move, Rey Perez launched two powerhouse live events that are already being called transformational by attendees. His unique ability to blend actionable strategies with compelling storytelling and community engagement is raising the bar for what business events can achieve. His first Utah event, Brand In 2 Days, delivered a high-level, all-inclusive experience designed to support entrepreneurs, speakers, coaches, and small business owners in defining, building, and elevating their personal and professional brands in just 48 hours.
This immersive workshop included professional photo and video shoots, group brand coaching, digital asset creation, and visibility strategies—all carefully orchestrated to position each participant as a market authority. Entrepreneurs walked away not just inspired, but with a fully built personal brand they could immediately launch.
Hot on the heels of that success, Perez co-hosted the second major event, Speaking & Sales Mastery, alongside legendary Hall of Fame speaker, Best Selling Author and one of the top motivational speakers on the planet Dan Clark. Held over 3  days, this transformational experience focused on supporting entrepreneurs in sharpening their story-selling techniques, developing commanding stage presence, and mastering lead capture strategies—skills vital to anyone who wants to increase their income and impact through the power of speaking and live presentations.
Both events sold out and drew glowing reviews from a wide range of professionals—from aspiring influencers and authors to seasoned coaches and business leaders. “This was beyond anything I expected,” said one participant. “Rey and his team don’t just teach branding—they live it. I walked in with ideas, and I left with a game plan in motion.”
Due to overwhelming demand, both events will be returning to Salt Lake City in September 2025, with expanded capacity, enhanced content, and new surprise guest speakers. Entrepreneurs from across the U.S. and beyond are already signing up to secure their spots.
Video Link: https://www.youtube.com/embed/GRaRE_wPmac
Rey Perez is not only a sought-after speaker—he is the founder and CEO of AMP Your Brand, a global branding and marketing agency that has over 20 years of experience supporting business leaders and influencers in scaling their visibility and influence. Rey and his company have worked with some of the biggest names in the industry, including motivational icon Les Brown, Shark Tank original Kevin Harrington, and Chicken Soup for the Soul co-creator Jack Canfield. These collaborations have positioned Perez as a trusted expert in the high-performance and entrepreneurial space.
However, Rey Perez’s work is not just about building businesses—it’s about building legacies. A passionate advocate for social impact, Perez ensures that each event contributes to something bigger. A portion of the proceeds from all events supports Influence With Love, a nonprofit organization dedicated to equipping underserved youth with education in leadership, entrepreneurship, and mindset development. This initiative gives young people the skills and confidence they need to change their futures—and their communities.
“As entrepreneurs, we have the ability—and responsibility—to lead with purpose,” Perez shares. “My events are about more than personal success. They’re about creating ripple effects that extend far beyond the stage. We’re not just growing businesses—we’re building a legacy of impact that will touch lives for generations to come.”
Known for his high-energy presentation style and high-conversion brand strategies, Rey Perez has worked with thousands of entrepreneurs and small business owners around the globe. His clients include best-selling authors, keynote speakers, nonprofit leaders, and million-dollar CEOs who turn to him to clarify their brand, amplify their visibility, and scale their influence.
Perez’s relocation to Utah signals a new chapter, not just for his company but also for the state’s business ecosystem. “Salt Lake City is full of untapped potential,” Perez explains. “There’s a hunger here for authenticity, community, and purpose-driven growth. I’m here to support that.” We also just had a baby girl and it’s a great place to raise a family!”
Whether a local entrepreneur or a business owner traveling from across the country, the upcoming September events will offer a rare opportunity to experience high-level branding and speaking mentorship firsthand. Registration is now open, and spaces are limited.
To get socially connect with Rey visit: ReyPerez360.com
To learn more about the September 2025 events visit: ReyPerezEvents.com
To support the nonprofit mission, visit: InfluenceWithLove.org
For media inquiries, sponsorship opportunities, or to book Rey Perez as a speaker or podcast guest, contact: info@iampyourbrand.com

Ann Law’s New Book The Law of Wellness Delivers a No-Nonsense Approach to Achieving Ideal Weight and Lifetime Health

Healthcare advocate and Global Wellness Expert Ann Law, BSN, FNP, is preparing to launch her latest book, “The Law of Wellness: A Comprehensive Guide to Achieving Ideal Weight and a Lifetime of Health and Wellness,” which promises to shake up the wellness world with a no-fuss, results-oriented approach to real health transformation. Scheduled for its upcoming release, the book is already drawing buzz across both the medical and personal development communities.
In a world overwhelmed with conflicting health advice, fad diets, and Instagram wellness trends, Ann Law’s message cuts through the noise: real health is accessible to everyone—and it starts with making small, consistent changes.
Law’s new book is built on decades of front-line experience as a family nurse practitioner, health educator, public speaker, and advocate for preventive healthcare. Her guidance isn’t based on theory or fleeting trends. Instead, it’s rooted in science, compassion, and real-world application. The Law of Wellness distills her knowledge into easy-to-follow principles that anyone can apply—regardless of age, fitness level, or lifestyle.
Unlike typical wellness books that require a complete life overhaul, this guide offers straightforward food guides, practical fitness routines, and mindset strategies that fit into a busy life. Whether juggling work, family, or just trying to stay afloat in a fast-paced world, Law’s message is empowering and achievable.
“This book is for real people living real lives,” Law says. “You don’t need a perfect schedule, a private chef, or a gym membership to improve your health. You just need the right tools and the willingness to take one step at a time. That’s what The Law of Wellness is about—small changes that add up to big results.”
The book is especially targeted to adults aged 30 to 65+, a group often overlooked by mainstream fitness culture. These are the people in the thick of their careers, managing households, aging parents, or chronic stress—and they’re often the ones who need wellness support the most.
In addition to physical health principles, food and fitness, Law also dives into a toolbox of mindset principles to achieve lifetime health, as well as any other goals one may have.
Law, in collaboration with a board-certified Preventive Care Physician, Tilda Doscher, MD, will conduct Wellness Weeks and Wellness Weekends at resort locations, offering an educational vacation and an immersive, comprehensive health and wellness experience.
The Law of Wellness is available to reserve now at www.TheLawofWellness360.com
Reserve a spot at the next Wellness Weekend by visiting www.LawofWellnessRetreats.com
For interviews, media kits, or to book Ann to speak on podcasts or events, visit www.AnnLaw360.com
Video Link: https://www.youtube.com/embed/P_GLSAZVhPM

Don Hanifin, Founder of DH Retirement Solutions Interviewed on The Influential Entrepreneurs Podcast, Discussing How Life Insurance Fits into Retirement

Don Hanifin discusses how life insurance fits into retirement
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-don-hanifin-founder-of-dh-retirement-solutions-discussing-how-life-insurance-fits-into-retirement/ 
In this episode of Influential Entrepreneurs, host Mike Saunders welcomes Don Hanifin, the founder of DH Retirement Solutions. They delve into the often-overlooked role of life insurance in retirement planning. Don shares his 30-year journey in the financial services industry, starting with long-term care at GE and focusing on safe, guaranteed financial solutions for his clients. He emphasizes the importance of ensuring a dignified aging process and the peace of mind that comes from securing one’s financial future.
Life insurance is often viewed solely as a financial safety net for loved ones after one’s death. However, its importance extends far beyond that, particularly in the context of retirement planning. In this discussion, we will explore how life insurance can play a crucial role in ensuring financial security for dependents and fulfilling long-term responsibilities.
One of the primary functions of life insurance is to provide financial protection for dependents. This is especially important for individuals who are in the early stages of their careers, for instance,
If a young professional has taken on a mortgage or has children with education costs, life insurance guarantees that these long-term responsibilities can be fulfilled. 
Life insurance is often perceived merely as a financial safety net for loved ones after one’s death. However, as discussed in a podcast episode featuring Don Hanifin, life insurance can play a significant and multifaceted role in retirement planning. Here’s an expanded look at how life insurance fits into a comprehensive retirement strategy.
TERM insurance is the product of choice in early years at it provides the most leverage, the lowest cost and pure death benefit coverage.  Select your term insurance from a company that offers strong conversion options as this will ensure your ability to convert some, or all of your term policy to a PERMANENT insurance policy when your income permits, without health underwriting. The most important part of permanent life insurance (Whole Life, Index Universal Life, etc…) is that over time these policies build tax-advantaged cash value that can be accessed while you’re still alive. If properly designed, a permanent life insurance policy can build a financial nest egg that may be accessed tax-free in retirement, quite possibly lasting your lifetime.
Don emphasizes the need for contingency plans, highlighting that life insurance is not just about assuming one will reach retirement age. It’s about preparing for the unexpected. This proactive approach allows individuals to ensure that their life missions—such as raising a family or achieving financial independence—are completed, even if they pass away prematurely.
 
Don shared: “I work more toward making sure that whatever you started in your life, you’re able to complete and you are able to age with a quality, with a sense of decency and dignity wherever you choose to do that”
Video Link: https://www.youtube.com/embed/EiF2U7eTLjg 
 
About Don Hanifin
With 29 years of experience in the financial services industry, Don is the founder and owner of DH Retirement Solutions, Inc. Based in Massachusetts and Connecticut, Don specializes in helping individuals and families navigate retirement income planning with a focus on optimizing income and reducing taxes.
Don works with clients to create comprehensive strategies that integrate life insurance, annuities, Medicare, and longevity care allocation planning. By taking a proactive approach, Don helps clients secure their financial future, ensuring they enjoy a comfortable and worry-free retirement.
A trusted advisor, Don provides personalized solutions that align with each client’s unique goals and financial situation, all while helping them maximize their retirement savings and minimize tax liabilities.
Insurance Licensed in MA & CT | Retirement Income Planning Expert
Learn More: http://dhretirementsolutions.com/
 
 
 
 

Terry Register, CEO of Capsur Tax and Estate Planning, Highlights Mastering Tax Strategies for Retirement in TV Interview 

Terry Register, President and CEO of Capsur Tax and Estate Planning, specializes in helping business owners, high-income professionals, high-net-worth individuals, and closely held corporations navigate the complexities of tax planning, retirement strategy, estate structuring, and legacy preservation. Through personalized service and strategic insight, Register delivers solutions designed to build long-term financial confidence and multigenerational impact.   
Register was recently featured in an interview on Fox’s The Morning Blend, where he discussed “Mastering Tax Strategies for Retirement.” During the interview, he emphasized his commitment to tailoring plans to each client’s unique financial goals, noting, “A well-constructed tax strategy isn’t just about saving money today—it’s about creating a roadmap that gives families confidence for decades to come.” View the full interview here: https://www.fox47news.com/entertainment/shows/the-morning-blend/interview-with-terry-register-of-capsur-tax-and-estate-planning-06-30-25  
Living retirement to the fullest requires far more than merely reaching a certain age; it demands proactive planning that begins long before the official retirement date. Key pillars include optimizing income streams, controlling expenses, and positioning portfolios to weather market volatility while minimizing tax liabilities. By addressing these elements early, individuals create a pathway to enjoy retirement with greater peace of mind. 
A significant component of proactive planning is managing taxable income in retirement. Register points out that understanding the tax impact of each withdrawal and investment decision can dramatically extend portfolio longevity. By coordinating withdrawal sequencing with tax-efficient vehicles—such as Roth conversions and life insurance-based strategies—retirees can retain more of what they have earned and reduce the drag of taxes on their generational wealth. Ultimately, thoughtful planning allows families to focus on what matters most: enjoying life and leaving a lasting legacy. 
Capsur Tax and Estate Planning tailors its strategies to each client, ensuring a customized experience designed to achieve long-term financial goals. Through a collaborative process, Register guides clients through crucial decisions that affect future generations, making comprehensive planning an empowering and confidence-building experience. 
About:
Terry Register began his distinguished career at Fidelity Union, earning “Rookie of the Year” honors and Million Dollar Round Table status in his first year. He later joined American Defender Life, consistently ranking among the top ten producers nationwide and earning annual recognition in the President’s Cabinet. 
He founded Capsur to offer programs and planning strategies that empower individuals and businesses to reach their financial, retirement, and legacy goals. His leadership extends beyond the business arena: Register has served as a trustee on the Endowment Committee at the University of North Carolina at Pembroke, a corporate board member for G.R.A.C.E. Christian School in Raleigh, and an active supporter of charitable missions, including the Fellowship of Christian Athletes, the Zachary Taylor Orphanage in Kenya, and Uttermost Ministries  
A devoted husband, father, and grandfather, Register resides in Raleigh, NC, with his wife and is a longtime member of Bayleaf Baptist Church, where he has served on the Personnel  
Learn more: https://www.capsurtaxandestateplanning.com/ 
 
Investment-advisory services are offered through Capsur Tax and Estate Planning, a registered investment adviser. Capsur Tax and Estate Planning and any referenced entities are unaffiliated. 
 
Recent news and interviews:

Terry Register Discusses Mastering Tax Strategies for Retirement: https://authoritypresswire.com/terry-register-ceo-of-capsur-tax-and-estate-planning-interviewed-on-the-influential-entrepreneurs-podcast-discussing-mastering-tax-strategies-for-retirement/
Terry Register Discusses Mastering Tax Mitigation Strategies for Business Owners: https://authoritypresswire.com/terry-register-ceo-of-capsur-tax-and-estate-planning-interviewed-on-the-influential-entrepreneurs-podcast-discussing-tax-mitigation-strategies-for-business-owners/
Terry Register Discusses Tax Planning for Future Generations: https://authoritypresswire.com/terry-register-ceo-of-capsur-tax-and-estate-planning-interviewed-on-the-influential-entrepreneurs-podcast-discussing-tax-planning-for-future-generations/

Terry Register- CEO of Capsur Tax and Estate Planning Interviewed on the Influential Entrepreneurs Podcast Discussing Tax Planning for Future Generations

Terry Register discusses highlights of tax planning for future generations
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-terry-register-ceo-of-capsur-tax-and-estate-planning-tax-planning-for-future-generations/
Terry Register, CEO of Capsur Tax and Estate Planning. Terry dives into the crucial topic of legacy planning and the importance of preparing for future generations. Terry emphasizes that while many focus on saving for retirement, it’s equally vital to ensure that what remains after one’s passing is secured for heirs. The discussion highlights how tax planning plays a pivotal role in this process. Terry addresses the discomfort many feel when discussing death and inheritance, and offers insights on how to approach these conversations effectively. Tune in to learn how to make your legacy a priority and ensure your family’s financial future.
Legacy planning is a vital component of financial management that ensures your heirs are not burdened with unexpected tax liabilities and can fully benefit from the assets you leave behind. In a recent podcast episode featuring Terry Register, CEO of Capsur Tax and Estate Planning, several key considerations were discussed that can significantly impact your family’s financial future.
A primary concern in legacy planning is the potential tax burden that heirs may face when inheriting assets. Terry emphasizes that many individuals are unaware of the tax implications associated with inheritance. For instance, when someone passes away, the government often requires heirs to pay taxes on the inherited assets within a specific timeframe—typically just nine months. This can lead to unexpected financial strain, especially if heirs are unprepared for the tax bill.
To mitigate this risk, proactive tax planning is essential. This includes understanding how different assets are titled and the potential tax consequences of transferring those assets. For example, if a parent intends to pass down a house, it is crucial to consider how that property is titled and its current market value. Without proper planning, heirs may find themselves needing to sell the property to cover tax liabilities, which can diminish the legacy intended for them.
Terry also highlights the importance of asset protection in legacy planning. Many individuals may not realize that certain assets can be vulnerable to government claims, particularly in the context of long-term care or nursing home expenses. For instance, if one spouse passes away and the surviving spouse needs to enter a nursing home, the government may require the surviving spouse to “spend down” their assets before qualifying for assistance. This scenario underscores the need for strategic planning to protect family assets from being depleted by unforeseen expenses.
Engaging with an elder care attorney can provide valuable insights into how to structure your assets to safeguard them for future generations. By understanding the legal landscape and potential pitfalls, you can create a plan that ensures your heirs receive the maximum benefit from your estate.
Another critical aspect of legacy planning discussed in the episode is the use of life insurance policies that offer living benefits. Many people view life insurance solely as a death benefit, but modern policies can provide significant advantages while the policyholder is still alive. For example, certain life insurance products allow for tax-free cash growth and access to funds for long-term care needs without requiring a separate long-term care policy.
Terry points out that many individuals may not realize the full potential of their life insurance policies. By reviewing and possibly restructuring these policies, you can ensure that they not only provide a death benefit but also serve as a financial resource during your lifetime. This can help alleviate the financial burden on your heirs and ensure that they are not left with unexpected costs.
In addition to protecting your family’s financial future, legacy planning can also include charitable giving strategies. Establishing donor-advised funds or charitable remainder trusts can provide tax benefits while allowing you to support causes that matter to you. These strategies can help reduce the taxable estate and ensure that your philanthropic goals are met, all while benefiting your heirs.
Terry shared: “From growth-stage companies to legacy family enterprises, we bring proven strategies that align business planning with personal financial goals—because we understand that for most owners, business is personal.”
For instance, as Terry illustrates with a case study, a couple with significant stock holdings can structure their estate in a way that maximizes benefits for both their children and their chosen charities. By strategically donating appreciated assets, they can avoid capital gains taxes and create a lasting impact on their community.
Video Link: https://www.youtube.com/embed/9T6u4wz5nZA
About Terry Register
As President of Capsur Tax and Estate Planning, Terry Register leads with a clear and focused mission: to help business owners, high-income professionals, high-net-worth individuals, and closely held corporations navigate the complexities of tax planning, retirement strategy, estate structuring, and legacy preservation. Through personalized service and strategic insight, Terry delivers solutions designed to build long-term financial confidence and multigenerational impact.
Terry began his distinguished career at Fidelity Union, earning “Rookie of the Year” honors and qualifying for the Million Dollar Round Table (MDRT) in his first year. He later joined American Defender Life, where he consistently ranked among the top ten producers nationwide and earned annual recognition in the President’s Cabinet.
He founded Capsur with a vision to offer programs and planning strategies that empower individuals and businesses to reach their financial, retirement, and legacy goals. Today, he continues to work collaboratively with professionals and clients across the country on high-value joint cases that demand tailored and sophisticated solutions.
Terry’s leadership and production achievements have earned him national recognition, but his commitment to service goes beyond the business world. He has served as a trustee on the Endowment Committee at the University of North Carolina at Pembroke, a Corporate Board Member for G.R.A.C.E. Christian School in Raleigh, and an active supporter of charitable missions, including the Fellowship of Christian Athletes, the Zachary Taylor Orphanage in Kenya, and Uttermost Ministries.
A devoted husband, father, and grandfather, Terry resides in Raleigh, NC, with his wife. He is a longtime member of Bayleaf Baptist Church, where he has served on the Personnel Committee and continues to invest in his faith and community.
Learn more: https://www.capsurtaxandestateplanning.com/
Recent News and Interviews:
Terry Register Discusses Mastering Tax Strategies for Retirement: https://authoritypresswire.com/terry-register-ceo-of-capsur-tax-and-estate-planning-interviewed-on-the-influential-entrepreneurs-podcast-discussing-mastering-tax-strategies-for-retirement/
Terry Register Discusses Mastering Tax Mitigation Strategies for Business Owners: https://authoritypresswire.com/terry-register-ceo-of-capsur-tax-and-estate-planning-interviewed-on-the-influential-entrepreneurs-podcast-discussing-tax-mitigation-strategies-for-business-owners/

From Rock Bottom to Radiance: Jean-Sébastien Busque Releases “My Apple Pie of Happiness” — A Heartfelt Guide to Rediscovering Joy

After navigating burnout, profound grief, a gender transition, and a complete life reinvention, Jean-Sebastien (JS) Busque is serving up something deeply nourishing: his debut book My Apple Pie of Happiness: 40 Ingredients from an Unexpected. With authenticity, humor, and lived experience, Busque invites readers to embrace happiness not as a destination, but as a delicious, imperfect, and wildly personal journey.

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