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Owen Edwards, Royal Fund Management, LLC, Local Fiduciary Urges Employers to Review 401(k) Plans as SECURE Act 2.0 Changes Take Effect

With key provisions of the federal SECURE Act 2.0 now taking effect, a local fiduciary advisor is encouraging business owners to review and benchmark their 401(k) retirement plans to ensure they remain competitive, compliant, and cost-effective.
More than 70 million Americans participate in employer-sponsored retirement plans such as 401(k)s, making them the primary retirement savings vehicle for most workers. However, many employers have not formally reviewed or benchmarked their retirement plan in several years — potentially exposing their companies to unnecessary costs and fiduciary risk.
SECURE Act 2.0 introduces a range of new provisions designed to enhance retirement readiness, expand access, and provide additional planning flexibility for employers and employees alike. These updates create a timely opportunity for companies of all sizes — from small businesses with only a few employees to larger organizations with hundreds of participants — to reassess their current retirement plan structure.
Owen Shared: “I feel this topic is so important because many employers set up a 401(k) plan years ago and assume it’s still competitive,” a local fiduciary advisor. “With the changes introduced by SECURE Act 2.0, this is the perfect time for companies to review their plan, understand their fiduciary responsibilities, and make sure they are providing the best possible retirement benefit for their employees.”
Why Benchmarking Matters Periodic benchmarking allows employers to:

Review Plan Fees: Evaluate administrative, investment, and advisory costs to ensure they are reasonable compared to similar plans in the marketplace.
Assess Fiduciary Structure: Confirm that fiduciary responsibilities are clearly defined and properly documented to reduce potential liability.
Evaluate Investment Lineup: Ensure the plan offers a diversified, competitive range of investment options that align with participants’ retirement goals.
Enhance Employee Benefits: Identify new features made available under SECURE Act 2.0 that may increase participation and improve retirement outcomes.

Under ERISA guidelines, employers sponsoring a 401(k) plan have an ongoing fiduciary duty to act in the best interest of plan participants. Regular reviews and benchmarking demonstrate prudent oversight and can significantly reduce the likelihood of compliance issues or costly litigation.
Opportunities Under SECURE Act 2.0 The legislation includes provisions that may benefit employers, such as enhanced tax credits for small businesses establishing plans, expanded automatic enrollment options, and increased catch-up contributions for certain employees. Companies that proactively evaluate these changes may discover opportunities to improve plan participation, employee satisfaction, and long-term workforce retention. “Employers work hard to build strong teams,” Owen added. “A well-structured, competitive retirement plan is one of the most meaningful benefits they can offer. Taking the time to benchmark a 401(k) plan isn’t just about compliance — it’s about strengthening your business and supporting your employees’ future.”
Local business owners interested in reviewing their 401(k) plan or learning more about benchmarking under SECURE Act 2.0 are encouraged to consult with a qualified fiduciary advisor.
About Owen Edwards Owen Edwards, Certified Financial Fiduciary®, is an Investment Adviser Representative of Royal Fund Management, an SEC-registered Registered Investment Advisor. He proudly serves individuals, families, and business owners throughout Northeastern Pennsylvania and nationwide.
Beginning his 30th year, Edwards is known for his educational, client-first approach and his dedication to helping families gain the clarity and confidence they need to make informed financial decisions.
Learn More: https://royalfundmanagement.com/

Owen Edwards is an Investment Adviser Representative of and investment services offered through Royal Fund Management, LLC, an SEC Registered Adviser. 401(k) Maneuver is another business name for Royal Fund Management, LLC. Royal Fund Management LLC only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark. Insurance product guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products only. Royal Fund Management and Owen Edwards are not engaged in the practice of law or accounting and any advice provided should not be construed as legal or accounting advice. The information discussed and presented herein is intended to serve as a basis for further discussion with your financial, legal, tax and/or accounting advisors. It is not a substitute for competent advice from these advisors. Content was prepared by a third-party, unaffiliated provider and is not the product of the adviser or Royal Fund Management LLC, and should not be regarded as a complete analysis of the subjects discussed. Language used by the third-party that appears promissory should be considered as mere marketing hype or hyperbole and the reader is reminded that there can be no guarantees or assurances or any particular outcome. Although we believe the content is reliable, it is not guaranteed as to accuracy and is not intended to be the primary basis for investment decisions. All expressions of opinion reflect the judgment of the author as of the date of publication and are subject to change. All information and ideas should be discussed in detail with your Investment Adviser Representative prior to implementation.

Owen Edwards, Certified Financial Fiduciary®, Being Interviewed on the Influential Entrepreneurs Podcast Discussing The Retirement Tax Trap

Owen Edwards discusses the retirement tax trap
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-owen-edwards-with-edwards-investments-discussing-the-retirement-tax-trap/
Owen highlights the importance of understanding required minimum distributions (RMDs), which the government mandates at certain ages, forcing withdrawals from retirement accounts. He emphasizes the need for a strategic approach to manage these withdrawals effectively to minimize tax exposure.
In the realm of personal finance and retirement planning, the phrase “tax-deferred isn’t tax-free” encapsulates a critical misunderstanding that many individuals have regarding their retirement savings. As discussed in a recent podcast featuring Owen Edwards, an authority on investment strategies, this concept is pivotal for anyone looking to secure their financial future. The allure of tax-deferred accounts, such as 401(k)s and traditional IRAs, often leads individuals to overlook the implications of taxes on their retirement income, creating what Edwards refers to as the “retirement tax trap.”
Tax-deferred accounts allow individuals to contribute pre-tax income, which can lead to immediate tax savings. This setup is appealing; it encourages consistent saving and investment growth without the immediate burden of taxation. However, the crux of the issue lies in the understanding that while the contributions and earnings grow tax-deferred, they are not tax-free. When individuals reach retirement age and begin to withdraw funds from these accounts, every dollar taken out is taxed as ordinary income. This reality can catch many retirees off guard, especially those who have built their financial plans based on the assumption that their tax burden would diminish in retirement.
One common misconception is the belief that retirees will automatically find themselves in a lower tax bracket once they stop working. While this may hold true for some, it is not a universal rule. Factors such as Social Security income, pension payments, and required minimum distributions (RMDs) from tax-deferred accounts can push retirees into higher tax brackets. As Edwards points out, the government dictates the amount that must be withdrawn from these accounts once individuals reach a certain age, regardless of whether they need the funds or not. This can lead to unintended tax consequences, making it crucial for retirees to plan not just for accumulation but also for effective withdrawal strategies.

The Broader Implications of Tax Policy
The uncertainty surrounding future tax rates adds another layer of complexity to retirement planning. As discussed in the podcast, the national debt is significant, and government obligations are growing. The potential for tax increases to address these fiscal challenges is a reality that retirees must consider. Historical trends show that while taxes may seem high at times, they are relatively low compared to previous decades. With constant changes in tax laws and policies, individuals cannot rely on the assumption that tax rates will remain stable or decrease in the coming years.

Planning for the Withdrawal Phase
The key takeaway from this discussion is the need for proactive planning when it comes to withdrawing funds from retirement accounts. Many individuals focus solely on accumulating wealth, neglecting the equally important phase of decumulation. Effective withdrawal strategies can help mitigate tax liabilities and maximize retirement income. This involves understanding the tax implications of different income sources and strategically timing withdrawals to minimize exposure to higher tax brackets.
In conclusion, the phrase “tax-deferred isn’t tax-free” serves as a reminder of the importance of comprehensive retirement planning. By recognizing the potential pitfalls of tax-deferred accounts and understanding the dynamics of taxation in retirement, individuals can better prepare for a financially secure future. It is essential to approach retirement with a holistic view that encompasses both accumulation and withdrawal strategies, ensuring that one’s hard-earned savings are protected from unexpected tax burdens. As the podcast highlights, planning for retirement is not just about building a nest egg; it is equally about how to navigate the complexities of withdrawing from that nest egg in the most tax-efficient manner possible.

Owen shared: “When we talk about the retirement tax trap, I’m referring to something, it’s very simple, but very misunderstood. Most Americans have saved the majority of their retirement money in pre-tax accounts, like 401ks, traditional IRAs, maybe a rollover from a previous employer. And those accounts are powerful tools.”
Video Link: https://www.youtube.com/embed/MFxhwH2FtFk
About Owen Edwards
Owen Edwards was born and raised in Northeastern Pennsylvania, where he continues to live and serve his community through his financial advisory practice. With nearly 30 years of experience, he is dedicated to empowering individuals and families to achieve financial freedom through education—bringing clarity to complex choices and guiding them toward confident, informed decisions. Owen is a Certified Financial Fiduciary® and holds a Certificate in Financial Planning from Boston University.

Learn more: https://edwardsinvestments.com/
Recent News & Interviews:

Owen Edwards Discusses Building a Reliable Retirement Income Plan https://authoritypresswire.com/owen-edwards-founder-of-edwards-investments-interviewed-on-the-influential-entrepreneurs-podcast-discussing-building-a-reliable-retirement-income-plan/
Owen Edwards Discusses Gaining Confidence in Your Financial Future https://authoritypresswire.com/owen-edwards-founder-of-edwards-investments-interviewed-on-the-influential-entrepreneurs-podcast-discussing-gaining-confidence-for-the-financial-future/
Owen Edwards Discusses Overcoming Fears and Achieving Financial Peace of Mind https://authoritypresswire.com/owen-edwards-founder-of-edwards-investments-interviewed-on-the-influential-entrepreneurs-podcast-discussing-overcoming-fears-and-achieving-financial-peace-of-mind/

Advisory services are offered through Royal Fund Management, LLC, Royal Fund Management LLC is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance products offered through Edwards investments LLC. Insurance guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products.

Roma Pithadiya, CEO of Affordable Insurance and Financial Services, Featured on FOX Morning Blend, Sharing Strategies for Financial Protection & Long-Term Security

Roma Pithadiya, President and CEO of Affordable Insurance and Financial Services (AIFS), was recently featured on FOX’s The Morning Blend, where she shared practical insights on helping families build financial security through strategic insurance planning, retirement preparation, and long-term wealth protection.
As a respected financial professional serving clients across Texas and beyond, Pithadiya has built her practice around one central philosophy: financial security begins with education and informed decision-making. During the interview, she explained how individuals and families can take proactive steps today to safeguard their health, income, and financial futures.
“Many people delay financial planning because it feels overwhelming,” Pithadiya shared during the interview. “But when clients understand their options—whether it’s health coverage, life protection, or retirement strategies—they gain confidence and clarity. My mission is to help people protect what they’ve worked so hard to build.”
Her own powerful personal journey shapes Pithadiya’s perspective. After immigrating to the United States with limited resources, she built her career from the ground up. Eventually, she founded a thriving advisory firm dedicated to helping others achieve financial stability and protection. Her story has earned her recognition as a “Million Dollar Immigrant,” reflecting her transformation from virtually nothing to a successful entrepreneur and trusted financial advocate.
About Roma Pithadiya
Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.
Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.
She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.
In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).
Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.
Learn more: https://aifsgroupbyroma.com/

Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state

Manual Magic AI® Launches in the US to Help Franchisors Build Operations Manuals Faster

Manual Magic AI® Launches in the United States, Giving Franchisors and Multi-Site Operators a Faster, Smarter Way to Build Operations Manuals from Their Own IP

Strategist Carol A. Santella’s Mark of Distinction Approach Helps Professionals Become the Chosen Authority

For more than two decades, strategist and publisher Carol A. Santella has been known for helping professionals uncover what truly sets them apart in their field. It is what she calls their “Mark of Distinction.”

Caitlin Wedgwood, Partner with Knoll & Company P.C Interviewed on the Influential Entrepreneurs Podcast Discussing Tax Preparation Services

Caitlin Wedgwood discusses the importance of tax preparation services
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-caitlin-wedgewood-partner-with-knoll-company-p-c-discussing-tax-preparationservices/
In today’s fast-paced and ever-evolving economic landscape, the importance of effective tax management cannot be overstated. Many individuals and businesses view tax preparation as a daunting task, often characterized by anxiety and confusion. However, the emergence of tech-driven solutions is transforming the traditional approach to tax preparation into a more streamlined and personalized experience. This essay explores the concept of tech-driven, personalized tax optimization, highlighting its significance and the advantages it brings to taxpayers.
Before delving into the benefits of tech-driven tax optimization, it is essential to differentiate between tax preparation and tax planning. Tax preparation is the process of gathering financial information and filing tax returns, often viewed as a reactive measure taken once a year. In contrast, tax planning is a proactive strategy that involves analyzing financial situations throughout the year to minimize tax liabilities and maximize benefits. This distinction is crucial, as effective tax optimization requires a blend of both preparation and planning.
The integration of technology into tax preparation services is revolutionizing the industry. Firms like Knoll & Company P.C are leading the charge by utilizing advanced platforms that enhance efficiency and client experience. For instance, the use of document storage systems enables clients to upload their tax documents securely and conveniently from anywhere in the world. This paper-free approach not only reduces clutter but also streamlines communication between clients and tax professionals.
Moreover, technology facilitates the signing of engagement letters and tax returns electronically, eliminating the need for in-person meetings. This flexibility is particularly beneficial for busy individuals and business owners who may struggle to find time to visit an office. By embracing technology, tax firms can provide a more personalized service that caters to the unique needs of each client.

Personalized Tax Strategies
A key differentiator in tech-driven tax optimization is the focus on personalized tax strategies. Tax professionals who are well-versed in the latest tax laws and credits can offer tailored advice that aligns with their clients’ financial situations. For example, the introduction of new tax credits, such as the Trump Savings Account for newborns, requires tax professionals to stay informed and proactive. By identifying opportunities for clients to take advantage of these credits, firms can significantly enhance their clients’ financial well-being.
Furthermore, firms that offer complementary services, such as bookkeeping and payroll, can provide ongoing analysis throughout the year. This continuous engagement allows tax professionals to assess clients’ financial health regularly, making timely recommendations that can lead to substantial tax savings. For instance, they can advise on increasing an owner’s payroll or making strategic equipment purchases based on current tax laws and financial forecasts. This level of personalized attention is often lacking in traditional tax preparation services, where the focus is primarily on annual filing rather than year-round optimization.

The Importance of Expertise
While technology plays a vital role in modern tax optimization, the expertise of tax professionals remains irreplaceable. The complexity of the tax code, which spans tens of thousands of pages, can be overwhelming for business owners and individuals alike. Having a dedicated team of professionals who specialize in tax laws and regulations ensures that clients receive accurate and beneficial advice. Firms like Knoll & Company P.C invest time in continuous education to stay up-to-date with tax changes, enabling them to provide informed guidance that maximizes their clients’ benefits.
In conclusion, the integration of technology into tax preparation services is reshaping the landscape of tax optimization. By focusing on tech-driven solutions and personalized strategies, firms can provide clients with a comprehensive approach that goes beyond mere compliance. The distinction between tax preparation and tax planning is critical, as it underscores the need for proactive engagement in managing tax liabilities. As taxpayers increasingly seek efficient and personalized services, the future of tax preparation lies in the hands of those who embrace technology while maintaining a strong foundation of expertise. In this new era, tech-driven, personalized tax optimization stands as a beacon of hope for individuals and businesses striving to navigate the complexities of the tax system effectively.

Caitlin shared: “We are really passionate, not only about people understanding their taxes, but also helping people optimize.”
Video Link: https://www.youtube.com/embed/1s5MQPm1Odc
About Caitlin Wedgwood
With over a decade of hands-on experience in bookkeeping and eight years specializing in tax preparation, Caitlin brings a strong foundation of financial expertise and reliability to our team. Holding an accounting degree and currently working toward CPA licensure, Caitlin is dedicated to providing accurate, timely, and client-focused support to small businesses and individuals.

Learn more: https://www.knollcpa.com/
Recent News & Interviews:

Laura Kelly Discussed Bookkeeping Strategies https://authoritypresswire.com/laura-kelly-partner-with-knoll-company-pc-interviewed-on-the-influential-entrepreneurs-podcast-discussing-bookkeeping-strategies/
Caitlin Wedgwood Discussed Transition at the Firm https://authoritypresswire.com/caitlin-wedgwood-partner-with-knoll-company-p-c-interviewed-on-the-influential-entrepreneurs-podcast-discussing-transition-at-the-firm/

The information provided in this content is for general informational purposes only and should not be construed as personalized financial, tax, or legal advice. While every effort has been made to ensure accuracy, laws and regulations frequently change and may vary depending on individual circumstances. Please consult a qualified financial, tax, or legal professional for advice specific to your needs before making any decisions. Knoll & Company P.C. and its representatives do not provide legal advice. All services are provided in accordance with applicable professional standards and ethical requirements.

Caitlin Wedgwood, Partner with Knoll & Company P.C Interviewed on the Influential Entrepreneurs Podcast, Discussing Transition at the Firm

Caitlin Wedgwood discusses the transition at the firm
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-caitlin-wedgewood-partner-with-knoll-company-p-c-discussing-transition-at-the-firm/
Caitlin shared her unique journey into the financial services industry, influenced by her mother’s long career as a CPA, and her eventual discovery of her own passion for accounting.
In an ever-evolving world, the ability to adapt and embrace change is crucial for both individuals and organizations. The podcast conversation featuring Caitlin Wedgwood of Knoll & Company P.C illustrates how embracing change can lead to lasting growth and success. Through her personal journey and the firm’s transition, we see that change is not only inevitable but also an opportunity for innovation and improvement.
Caitlin’s story is a testament to the importance of finding passion in one’s work. Despite her initial resistance to following in her mother’s footsteps as a CPA, she discovered her aptitude for accounting during her college years. This realization highlights a fundamental truth: sometimes, the paths we resist the most can lead us to fulfillment and success. By embracing her skills and interests, Caitlin positioned herself for a rewarding career in financial services. This personal transformation underscores the idea that embracing change—whether in career direction or personal growth—can yield positive outcomes.
Transition within organizations, as discussed in the podcast, is another critical aspect of growth. Knoll & Company P.C, established nearly half a century ago, is undergoing a significant transition as it prepares for the eventual retirement of its Managing Partner, Lee Knoll Jr. This transition is not merely a change in leadership; it represents a strategic shift towards modernization and adaptation in a competitive industry. By planning for Lee’s gradual step back from management and introducing new leadership in Caitlin and Laura Kelly, the firm demonstrates a proactive approach to change. This foresight ensures that the organization will not stagnate but will instead evolve to meet the needs of its clients and the market.
The discussion also highlights the importance of delegation and empowerment within a transitioning organization. Caitlin’s new role, along with Laura’s leadership in bookkeeping, illustrates how distributing responsibilities can lead to a more dynamic and responsive organization. This delegation not only fosters a sense of ownership among team members but also allows the firm to harness diverse talents and perspectives. By recognizing the strengths of its team and allowing them to take on leadership roles, Knoll & Company P.C is positioning itself for future success.
Furthermore, the podcast emphasizes the significance of staying cutting-edge in a rapidly changing environment. Caitlin mentions the firm’s commitment to ensuring that they are not “stuck in the past.” This mindset is essential for any organization that seeks to thrive in today’s fast-paced world. By fostering a culture of innovation and continuous improvement, firms can adapt to changing market demands, technological advancements, and evolving client expectations. Embracing change becomes a catalyst for growth, allowing organizations to remain relevant and competitive.
In conclusion, the podcast featuring Caitlin Wedgwood serves as a powerful reminder of the importance of embracing change for lasting growth. Whether through personal career decisions or organizational transitions, the willingness to adapt and innovate is essential for success. Knoll & Company P.C’s approach to leadership transition showcases how strategic planning and empowerment can lead to a dynamic and resilient organization. As we navigate an increasingly complex world, the ability to embrace change will remain a key driver of growth, both personally and professionally. By adopting this mindset, individuals and organizations alike can unlock new opportunities and achieve lasting success.

Caitlin shared: “If anything, we specialize in small businesses. We really understand the mom and pop or the contractor that’s out there doing the manual labor and don’t have time for the books.”
Video Link: https://www.youtube.com/embed/SAaFiy8SmSY
About Caitlin Wedgwood
With over a decade of hands-on experience in bookkeeping and eight years specializing in tax preparation, Caitlin brings a strong foundation of financial expertise and reliability to our team. Holding an accounting degree and currently working toward CPA licensure, Caitlin is dedicated to providing accurate, timely, and client-focused support to small businesses and individuals.
Learn more: https://www.knollcpa.com/
Recent News & Interviews:

Roma Pithadiya, CEO of Affordable Insurance and Financial Services, Featured on FOX’s The Morning Blend

Sharing Strategies for Financial Protection and Long-Term Security
Roma Pithadiya, President and CEO of Affordable Insurance and Financial Services (AIFS), was recently featured on FOX’s The Morning Blend, where she shared practical insights on helping families build financial security through strategic insurance planning, retirement preparation, and long-term wealth protection.
As a respected financial professional serving clients across Texas and beyond, Pithadiya has built her practice around one central philosophy: financial security begins with education and informed decision-making. During the interview, she explained how individuals and families can take proactive steps today to safeguard their health, income, and financial futures.
“Many people delay financial planning because it feels overwhelming,” Pithadiya shared during the interview. “But when clients understand their options—whether it’s health coverage, life protection, or retirement strategies—they gain confidence and clarity. My mission is to help people protect what they’ve worked so hard to build.”
Her own powerful personal journey shapes Pithadiya’s perspective. After immigrating to the United States with limited resources, she built her career from the ground up. Eventually, she founded a thriving advisory firm dedicated to helping others achieve financial stability and protection. Her story has earned her recognition as a “Million Dollar Immigrant,” reflecting her transformation from virtually nothing to a successful entrepreneur and trusted financial advocate.
About Roma Pithadiya
Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.
Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.
She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.
In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).
Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.
Learn more: https://aifsgroupbyroma.com/

Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.

Human Performance Leader MindTune and Rock Solid Capital Join Forces to Scale Human Potential in 2026

Two Minds Unite to Elevate Performance and Capital Strategy for High Achievers
For Immediately Release, March 1, 2026, Salt Lake City – In a bold move that signals a new era of integrated leadership and investment intelligence, human performance leader Mindtune, and Rock Solid Capital have joined forces to advance the performance and potential of executives, athletes, and performers in 2026 and beyond. This strategic alliance brings together performance psychology and capital strategy under one mission: unlocking untapped human potential and transforming it into measurable business results.
At a time when workplace stress, burnout, and decision fatigue are costing companies billions of dollars annually in lost productivity and stalled growth, this strategic partnership offers a targeted, high-impact solution. Research demonstrates that chronic stress and employee disengagement erode operational efficiency, stifle innovation, and result in substantial unrealized revenue. According to Gallup’s State of the Global Workplace: 2025 Report, declining global employee engagement cost the world economy an estimated $438 billion in lost productivity in 2024 alone.
Mindtune and Rock Solid Capital are directly addressing this critical gap by integrating advanced mindset mastery with disciplined capital execution to unlock peak performance and sustainable results.
The ingenuity for Global Impact + Capital to scale
Mindtune, founded by Peak Performance Strategist Marco Lopez, is known for action-based, results-driven methodology to propel entrepreneurs, executives, and high responsibility leaders to their highest potential. The company specializes in eliminating subconscious limitations that restrict performance and fulfillment. Through real time cognitive recalibration and practical decision discipline, Mindtune supports high performers in unlocking focus, confidence, and peak performance under pressure.
Rock Solid Capital, a capital raising firm committed to disciplined investment strategy and long term value creation, brings financial expertise and investor alignment into the equation. By integrating Mindtune’s mental performance framework into its own internal operations, Rock Solid is beginning with itself, refining its leadership, sharpening decision making, and strengthening execution before expanding these principles outward to investors and portfolio partners.
Why Now?
“We’ve been propelling unprecedented success throughout the world through our technology, and now we’re scaling to give this opportunity to millions more in the coming seasons,” said Marco Lopez, founder of Mindtune.
Eric Zwigart, founder and CEO of Rock Solid Capital, went though Mindtune’s program in 2025 while rebuilding his career after a major setback in 2021. Zwigert reports the program doubled his personal efficiency within 3 months while decreasing anxiety, deepening his purpose and increasing fulfillment.
Zwigert has now partnered with Mindtune to accelerate its growth and impact in 2026 and beyond.
Businesses can explore mindset training and executive performance programs through Mindtune at www.mindtunenow.com and learn more about Marco Lopez at www.marcolopez360.com. Investors interested in strategic capital partnerships can connect with Rock Solid Capital at www.rocksolidcap.com/
About Rock Solid Capital Rock Solid Capital is a capital raising and investment strategy firm committed to disciplined execution, strategic alignment, and long-term value creation. Through its alignment with Mindtune, the firm is integrating performance psychology into capital strategy to support sustainable growth.
About Mindtune Mindtune is a peak performance company founded by Marco Lopez. Designed for entrepreneurs, executives, and high responsibility leaders, Mindtune delivers individual and group programs focused on eliminating subconscious limitations and optimizing decision clarity in real time.
#HumanPerformance #PeakPerformance #Leadership #ExecutiveCoaching #MindsetMastery #BurnoutPrevention #CapitalStrategy #HighAchievers #2026Growth #MindTune #RockSolidCapital #PersonalDevelopment #BusinessGrowth

Financial Services Leader Ryan Finch Recognized for Community Impact Through Youth Soccer Coaching

Tangible Wealth Solutions (TWS) today announced that its President and Founder, Ryan Finch, CFP®, has been recognized for his longstanding commitment to community service through youth soccer coaching in Colorado.
Finch was named Skyline Advanced League Coach of the Year by the Skyline Soccer Association and was nominated for the Colorado Soccer Association (CSA) Advanced League Boys Coach of the Year.
With more than 20 years of coaching experience, Finch has worked with leading youth soccer organizations, including Colorado Fusion, Colorado Rapids Youth Soccer Club, and Skyline Soccer Club. He holds a U.S. Soccer National Coaching C License and has coached at the advanced competitive level. Finch previously played competitive club soccer and was a varsity soccer athlete in high school.
“Community involvement and leadership are core values at Tangible Wealth Solutions,” said Finch. “Coaching youth athletes is one way to contribute positively beyond the workplace and support the development of future leaders.”Tangible Wealth Solutions, commonly known as TWS, is a financial services firm with real estate emphasis focused on education-driven planning and long-term relationships. Finch’s coaching recognition reflects the firm’s broader commitment to service, integrity, and leadership within the communities it serves.
Tangible Wealth Solutions (TWS) is a financial services firm providing investment solutions to individuals, family offices, and business owners. Founded by Ryan Finch, the firm emphasizes disciplined planning, education, and long-term financial stewardship.
For more information on Emerson Equity, please visit FINRA’s BrokerCheck website. You can also download a copy of Emerson Equity’s Customer Relationship Summary to learn more about their role and services.General Disclosure
Not an offer to buy, nor a solicitation to sell securities. All investing involves risk of loss of some or all principal invested. Past performance is not indicative of future results. Speak to your finance and/or tax professional prior to investing. Any information provided is for informational purposes only.
Securities through Emerson Equity LLC Member: FINRA/SIPC. Only available in states where Emerson Equity LLC is registered. Emerson Equity LLC is not affiliated with any other entities identified in this communication.