Latest Stories in "In The News"

TEDx Speaker Launches VISIONx™—A Mental Fitness System Training Gen Z Professionals to Lead Under Pressure

In today’s high-stakes, fast-moving world, Gen Z professionals are expected to think clearly under pressure, communicate with confidence, make fast decisions, and lead without a title—yet these are skills no one teaches. Most are told to “speak up,” “take a leadership workshop”, “communications course,” or “just be confident”. And when the stakes are high—whether it’s a team meeting, a performance review, or a moment to assert themselves—motivation and theory aren’t enough.

“Say Yes and Scale:” Kristin Gutierrez’s New Book Helps Entrepreneurs Trade Hustle and Burnout for Seven-Figure Days and Time Freedom

Award-winning entrepreneur and bestselling author Kristin Gutierrez has officially launched her new book, Say Yes and Figure It Out™—a bold and timely framework designed to help high-achieving entrepreneurs escape the burnout trap and reclaim their time – while unlocking seven-figure days with less effort and more joy. This isn’t just another business book—it’s a movement for high impact business owners ready to ditch perfectionism and build wealth through imperfect action.

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 Mastering Tax Mitigation Strategies for Business Owners
Listen to the interview on the Business Innovators Radio Network: Interview with Terry Register- CEO of Capsur Tax and Estate Planning- Tax Mitigation Strategies for Business Owners – Business Innovators Radio Network
In this episode of Influential Entrepreneurs, host Mike Saunders welcomes back Terry Register, CEO of Capsur Tax and Estate Planning, to discuss tax mitigation strategies for business owners. Terry emphasizes the importance of understanding tax planning and shares insights on common mistakes that successful entrepreneurs make. He highlights the significance of maximizing retirement contributions and encourages listeners to be proactive in their tax strategies. With a focus on foundational ideas, this episode serves as a valuable resource for business owners looking to enhance their financial planning and avoid costly pitfalls.
Business owners often underestimate the significance of maximizing their retirement contributions, resulting in missed opportunities for tax benefits and long-term financial growth. It is essential to understand the various retirement plans available, such as mega Roth IRAs and cash balance plans, to effectively mitigate taxes and accumulate wealth.
Many business owners fail to contribute adequately to their retirement plans. Some may only contribute enough to meet employee benefit requirements, while others may not contribute at all, thereby missing out on valuable tax advantages. Terry Register emphasizes that maximizing retirement contributions is a crucial strategy for business owners, not only to secure their financial future but also to enhance employee retention and satisfaction.
One of the standout options for retirement savings is the mega Roth IRA. This strategy allows individuals to contribute significantly more than traditional Roth IRAs, depending on their income and age. For example, individuals exceeding a certain income threshold can contribute up to $170,000 per year into a mega Roth IRA. The benefits of this strategy include:

Tax-Free Growth: Contributions grow tax-free, and qualified withdrawals after age 59½ are also tax-free, provided the account has been open for at least five years.
High Contribution Limits: The ability to contribute large sums can significantly enhance retirement savings, especially for high-income earners.

However, many business owners are unaware of this option or do not fully understand how to implement it effectively, leading to the underutilization of a powerful retirement savings tool.
Another effective retirement strategy is the cash balance plan, a type of defined benefit plan. This plan is particularly advantageous for business owners earning over $400,000 a year. The cash balance plan allows for substantial contributions based on age and income, providing a structured way to save for retirement while enjoying tax benefits. Key features include:

Defined Benefits: Unlike traditional retirement plans that depend on investment performance, cash balance plans offer a guaranteed benefit at retirement, appealing to business owners seeking stability.
Tax Deductibility: Contributions to cash balance plans are tax-deductible, significantly reducing taxable income for the business owner.

By strategically utilizing these retirement plans, business owners can secure their financial future while creating a more attractive benefits package for employees, thereby enhancing retention and overall business performance.
Terry shared: “We serve as a trusted partner to closely held businesses—delivering smart, personalized planning that helps reduce taxes, retain key employees, and preserve wealth across generations”
Video Link: https://www.youtube.com/embed/EhQe1a3uq5k
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 Interviews and News:
Terry Register Discusses Mastering Tax Strategies for Retirement: Terry Register- CEO of Capsur Tax and Estate Planning Interviewed on The Influential Entrepreneurs Podcast, Discussing Mastering Tax Strategies for Retirement – Authority Press Wire

Clark Smith, President of Golden Years Financial, Featured on Influential Entrepreneurs Podcast to Discuss The retirement Planning Process.

Clark Smith discusses the retirement planning process
Listen to the interview on the Business Innovators Radio Network: Interview with Clark Smith, President of Golden Years Financial Discussing Retirement Planning Process
Clark Smith, president of Golden Years Financial, to delve into the intricacies of the retirement planning process. Clark emphasizes that a robust retirement plan goes beyond just having funds in a 401k or IRA; it’s about crafting a comprehensive strategy that transforms retirement into a time of joy, passion, and fulfillment. He shares insights on the importance of starting the planning process with meaningful questions that help align financial strategies with personal retirement goals.
A comprehensive retirement plan is essential for ensuring that individuals can fully enjoy their golden years. While many people may believe that simply having savings in a 401(k) or IRA is sufficient, the reality is that an effective retirement plan encompasses much more. It requires a deep understanding of personal goals, lifestyle desires, and potential financial challenges that may arise during retirement.
One of the first steps in creating a comprehensive retirement plan is to identify and articulate personal goals. This goes beyond having a vague idea of wanting to travel or spend time with family. As Clark Smith emphasizes in the podcast, it is crucial to delve into specifics. For instance, instead of merely stating a desire to travel, individuals should consider where they want to go, how often they wish to travel, and what experiences they want to have. This level of detail helps in crafting a financial plan that aligns with their envisioned lifestyle.
Retirement is not just about financial security; it is also about personal fulfillment and emotional well-being. A good retirement plan should take into account the lifestyle that individuals aspire to lead. This includes not only the activities they want to engage in but also the experiences they wish to create. Clark mentions the importance of discussing “fun money” and how it plays a role in retirement planning. By understanding what brings joy and satisfaction, financial planners can help clients allocate resources effectively to support those desires.
A comprehensive retirement plan must also prepare for unexpected financial challenges. As Clark points out, many individuals feel unprepared for potential financial hurdles that could arise during retirement. This includes factors such as market fluctuations, inflation, and changes in health or family circumstances. A well-structured plan should include contingencies for these uncertainties, allowing individuals to adapt and respond to life’s unpredictability with confidence.
For example, Clark discusses the importance of having income guardrails in place to cover unexpected expenses, such as healthcare costs or the death of a spouse. By anticipating these challenges and incorporating them into the retirement plan, individuals can avoid being caught off guard and ensure that their financial future remains secure.
Finally, a comprehensive retirement plan is not a one-time setup; it requires ongoing attention and adjustments. Clark emphasizes the need for regular reviews to ensure that the plan remains aligned with evolving goals and circumstances. Life is dynamic, and as situations change—whether due to health, family dynamics, or financial markets—so too should the retirement plan. Regular check-ins allow for necessary adjustments, ensuring that individuals can continue to work towards their retirement dreams without unnecessary stress.
Clark shared: “Golden Years Financial is dedicated to assisting individuals in achieving the retirement of their dreams. Our goal is to empower you to leave the job behind while maintaining your income, all while having contingency plans in place for life’s unexpected challenges. We ensure you have the income you need today and also guide you in growing your wealth for a secure future”
Video Link: https://www.youtube.com/embed/P0eqljN-CDM
About Clark Smith
Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm’s youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.
His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.
After a brief retirement from 2015 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for financial advisors from 2022 to 2024, where he played a pivotal role in shaping highly experienced as well as new financial advisors.
Clark Smith’s career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.
Learn more: https://goldenyearsria.com/
Recent news and interviews:

Clark Smith discusses retirement challenges: Clark Smith, President of Golden Years Financial, Interviewed on The Influential Entrepreneurs Podcast Discussing Retirement Challenges 
Clark Smith discusses the importance of having a retirement lifestyle: Clark Smith, President of Golden Years Financial, Interviewed on the Influential Entrepreneurs Podcast Discussing Retirement Lifestyle

Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.  This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.

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 Strategies for Retirement
Listen to the interview on the Business Innovators Radio Network: Interview with Terry Register- CEO of Capsur Tax and Estate Planning-Mastering Tax Strategies for Retirement
Terry Register, CEO of Capsur Tax and Estate Planning, to discuss mastering tax strategies for retirement. Terry shares his unique journey into the financial services industry, which began at a young age when he read “Think and Grow Rich” and was influenced by his mother’s work at Bank of America. He highlights the importance of strategic planning for families and individuals, focusing on optimizing tax outcomes, protecting assets, funding retirement, and leaving a lasting legacy.
Understanding tax strategies is crucial for retirement planning, as taxes can significantly impact retirement income and overall financial health. In a podcast episode featuring Terry Register, CEO of Capsur Tax and Estate Planning, several key points were discussed that underscore the importance of tax planning in the context of retirement.
Terry emphasizes that taxes can create a substantial drain on retirement income. Many individuals may not realize that their retirement savings are not entirely theirs to keep. For instance, if someone has a million dollars in a retirement account, a significant portion—potentially a third—could go to taxes when they start withdrawing funds. This reality highlights the necessity of understanding tax implications when planning for retirement.
One of the strategies discussed is the creation of tax-free income. Terry explains that by planning ahead, retirees can potentially eliminate or reduce the tax burden on their retirement income. He emphasizes the importance of considering whether to pay taxes on a smaller contribution (like the initial investment) or a larger distribution (the money withdrawn during retirement). This analogy illustrates the benefits of tax-free accounts, such as Roth IRAs, where contributions are taxed upfront, but withdrawals during retirement are tax-free.
Terry notes that effective tax planning can create a sense of certainty regarding what individuals will owe in taxes and what they can keep. This certainty is vital for retirees who need to manage their income effectively. By understanding their tax situation, retirees can make informed decisions about their withdrawals and investments, ultimately leading to a more secure financial future.
The episode also stresses the importance of proactive planning. Terry shares a case study of a couple who, despite having significant assets, were unaware of the tax implications of their inherited IRA. By not planning ahead, they risked losing a substantial portion of their inheritance to taxes. This example illustrates that many people spend more time planning vacations than their financial affairs, which can lead to costly mistakes.
Terry discusses various strategies for mitigating tax burdens, such as utilizing pooled income funds and trusts. These strategies can help individuals manage their tax liabilities while ensuring that their wealth is preserved for future generations. By working with financial professionals who understand these strategies, retirees can optimize their financial plans to minimize taxes and maximize their income.
In conclusion, understanding tax strategies is essential for effective retirement planning. Taxes can significantly impact retirement income, and proactive planning can help individuals navigate the complexities of tax laws. By considering tax implications and utilizing strategies to create tax-free income, retirees can enhance their financial health and ensure a more secure retirement. Engaging with knowledgeable professionals, like Terry Register, can provide valuable insights and tailored strategies to meet individual needs.
Terry shared: “At Capsur, we help business owners turn complexity into clarity—whether it’s tax strategy, retirement planning, or succession. Our goal is to protect what they’ve built and position it for long-term success”
Video Link: https://www.youtube.com/embed/s0Du471Q7NA 
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/

Scott Leonardi, Certified Financial Fiduciary®, Shares Long-Term-Care Asset-Protection Strategies in TV Interview

Scott Leonardi, President and Owner of Complete Solutions, Inc., leads an independent retirement-planning and insurance firm dedicated to helping pre-retirees “get their ducks in a row” so healthcare costs don’t derail their golden years. For more than 25 years, he has guided families through Medicare decisions, Social Security strategies, and asset preservation planning.
Leonardi was recently featured on FOX 47’s “The Morning Blend,” where he outlined proven ways to shield a lifetime of savings from the rising price of long-term care. “The biggest threat to a retirement nest egg isn’t the stock market—it’s an extended stay in a nursing home. Our mission is to make sure families don’t go broke in a nursing home,” he told host Deb Hart (fox47news.com)
Long-term-care expenses can average $100,000 per year and quickly erode even well-funded portfolios. Leonardi explained that early planning—utilizing savings-leveraging vehicles, such as asset-based LTC policies or hybrid annuities—can amplify a client’s leverage while preserving liquidity for other goals. He emphasized stress-testing retirement income plans against multiple care scenarios so clients can enjoy peace of mind rather than worry about “what-ifs.”
Proactive preparation begins years before care is ever needed. Key steps include:

Identifying exposure. Estimate today’s and tomorrow’s care costs and the length of a probable need.
Allocating the right dollars. Re-position low-yield assets to create tax-efficient LTC funding streams.
Integrating Medicaid-friendly strategies. Structure assets so that families retain control while remaining eligible for benefits if circumstances change.

During the segment, Leonardi also offered viewers a complimentary copy of the book he co-authored, “Don’t Go Broke in a Nursing Home,” available at DuckDuckPlan.com or by calling (866) 866-7951.
Complete Solutions tailors every plan to each household’s unique goals, coordinating with attorneys, CPAs, and investment advisors to build a truly comprehensive retirement blueprint. “Education is our mantra,” Leonardi said. “When people understand all their options, they make confident choices that protect both their lifestyle and their legacy.”(completesolutions.insure)
About
Scott Leonardi began serving families in 1995 as a licensed life and health insurance agent. In 1998, he founded Complete Solutions, a holistic planning firm dedicated to helping individuals and business owners protect their future. As a Certified Financial Fiduciary® and member of the National Association of Certified Financial Fiduciaries, Scott is committed to putting his clients’ best interests first.
A passionate advocate for financial education, Scott co-authored *Don’t Go Broke in a Nursing Home* to help people avoid costly mistakes that threaten their life’s work. His mission is to align insurance coverage with each client’s unique needs and lifestyle.
Outside of work, Scott enjoys time with his wife, five children, one granddaughter, and three Dobermans—and continues to campaign for that family boat.
 
Learn More: https://www.completesolutions.insure/
 
 

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