Latest Stories in "In The News"

Priscila Cosentino, Founder & Financial Advisor at Fern Prosperity, Discussing How Poor Tax Planning Can Undermine Even the Best Financial Plan

Many individuals dedicate significant time and energy to earning more, saving diligently, and investing consistently. However, one of the most critical elements of long-term financial success is often overlooked: strategic tax planning. 
Financial advisor Priscila Cosentino of Fern Prosperity is bringing attention to how taxes can quietly erode wealth over time when they are not properly incorporated into a broader financial strategy. While many people focus on growing their income and investment portfolios, failing to account for tax efficiency can significantly reduce the long-term value of those efforts. 
Tax planning is not simply about filing returns once a year—it is about making intentional financial decisions throughout the year that align with long-term financial goals. From investment structures to retirement withdrawals, every financial move has potential tax implications that can either preserve wealth or gradually diminish it. 
 
“I feel this topic is so important because many people work hard, save diligently, and invest consistently, yet they still lose significant wealth over time due to inefficient tax planning,” says Cosentino. “When tax strategy is integrated into financial planning, individuals gain more clarity, control, and confidence about their long-term financial future.” 
 
Cosentino emphasizes that tax strategy should be considered a core pillar of financial planning, alongside earning, saving, and investing. Without a thoughtful approach, individuals may unknowingly create unnecessary tax liabilities that compound over time and reduce the effectiveness of otherwise solid financial plans. 
By understanding how tax considerations influence investment decisions, retirement planning, and wealth preservation, individuals can make more informed choices that support long-term financial stability. 
Fern Prosperity works with individuals and families to help them integrate tax awareness into their broader financial strategy, empowering them to build more resilient financial plans that align with their goals. 
 
 About Pri Cosentino 
Priscila Cosentino is a Financial Advisor and Wealth Mentor with Fern Prosperity. She specializes in helping individuals and families align financial planning, tax awareness, and long-term wealth strategies. With a background in business administration, accounting, and neuroscience, she integrates analytical thinking with behavioral insight to guide clients toward smarter financial decisions. Priscila is passionate about financial education and empowering people to approach money with clarity, strategy, and purpose 
 Learn More: fernprosperity.com  
 
 
Investment advisory services are offered through Virtue Capital Management, LLC, a registered investment adviser. Fern Prosperity and Virtue Capital Management are independent of each other. 
This content is for informational and educational purposes only and should not be construed as investment, tax, or legal advice. Individuals should consult with qualified professionals regarding their specific financial situation. 
 
 
 
 
 

Jeremy Lach President Empire Marketing Partners Interviewed on Influential Entrepreneurs Podcast Discussing going From Annuity Producer to Recognized Retirement Expert

Jeremy Lach discusses insights on going from an annuity producer to recognized retirement expert 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-from-annuity-producer-to-recognized-retirement-expert/
In the world of financial advising, particularly in the realm of retirement planning, there exists a critical distinction between two types of professionals: those who focus on products and those who emphasize outcomes. This differentiation is not merely a matter of semantics; it fundamentally alters the client-advisor relationship, the perceived value of services rendered, and ultimately the success of financial strategies. The podcast featuring Jeremy Lach, president of Empire Marketing Partners, highlights this vital shift from a product-centric to an outcome-oriented approach, revealing how advisors can transform their practices and better serve their clients. 
At the core of this discussion is the recognition that many financial professionals fall into the trap of being perceived as mere product sales type. These “commodity sellers” often focus on the minutiae of financial products—rates, caps, bonuses—and engage clients in conversations that revolve around the technical details of annuities or other financial instruments. This approach can lead to a transactional relationship, where the advisor is viewed as just another salesperson in a crowded marketplace. In contrast, someone who may be a retirement income specialists take a markedly different approach. They prioritize discussions about the long-term outcomes their clients desire, such as financial security, peace of mind, and sustainable income throughout retirement. 
The importance of focusing on outcomes cannot be overstated. When advisors adopt an outcome-oriented mindset, they shift the conversation from the specifics of financial products to understanding the broader goals of their clients. This paradigm encourages advisors to ask probing questions and gain a comprehensive understanding of their clients’ financial situations, objectives, and concerns.  By doing so, they can tailor their recommendations to meet the unique needs of each client, thus creating a more personalized and effective financial strategy. 
One of the key benefits of this approach is the increased clarity it provides to clients. When clients understand the outcomes they are working towards—such as predictable income or protection against market volatility—they are more likely to remain calm during turbulent times. For instance, during periods of market instability, clients of income specialists are often reassured by their understanding of how their income is protected, as opposed to clients of commodity sellers, who may feel anxious and uncertain about their investments. This clarity not only fosters trust but also enhances the advisor-client relationship, positioning the advisor as a supportive partner rather than just a salesperson. 
Moreover, by focusing on outcomes rather than products, advisors can differentiate themselves in a competitive marketplace. In a world where financial products can often be easily compared and commoditized, the ability to articulate a clear value proposition based on outcomes allows advisors to stand out. Clients are more likely to engage with and remain loyal to advisors who help them envision a secure financial future, rather than those who simply present a range of products. 
The shift from a product-centric to an outcome-oriented approach also encourages advisors to think more holistically about their clients’ financial lives. This means considering not just the immediate financial needs, but also the long-term implications of their decisions. By collaborating with other professionals—such as legal and tax experts—advisors can create comprehensive retirement plans that address a wide range of factors affecting their clients’ financial well-being. This holistic approach reinforces the advisor’s role as a trusted expert, capable of guiding clients through the complexities of retirement planning. 
In conclusion, the podcast discussion with Jeremy Lach underscores a significant shift in financial advising: the move from a focus on products to a focus on outcomes. By prioritizing the desired results of their clients, advisors can foster deeper relationships, enhance clarity, and differentiate themselves in a competitive landscape. The transformation from a commodity seller to a recognized retirement income specialist not only benefits the advisor’s practice but, more importantly, empowers clients to achieve their financial goals with confidence and peace of mind. Ultimately, this outcome-oriented mindset is a powerful tool in the quest for financial security and success in retirement. 
 
Jeremy shared: “everyone can offer, any organization like mine can offer products, but we want to spend our time talking with advisors who like to talk about outcomes. And that is like predictable income, protecting lifestyle, things like that.  I’ve got some firms that we work with here at Empire that don’t even really use the word annuity.” 
 
Video Link: https://www.youtube.com/embed/qOnGq6z9WG4
About Jeremy Lach 
Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country.  His career began in retail financial services in 1999, shortly after graduating from St. John’s University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, and client strategy. 
In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of my career.  Since then, He has dedicated himself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline. 
In today’s IMO world, support often comes *after* they’ve already proven themselves.  Empire was built to change that. 
Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy.  At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one. 
He is committed to proving that through superior service, experience, and consistency, they bring more value than anyone else in the space. This isn’t transactional.  They operate like family, and their actions reflect that commitment every step of the way. 
Today, Jeremy is focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact. 
 Learn more: http://www.empiremps.com/  
 
Recent News & Interviews:

Jeremy Lach Discussed Why Top Annuity Producers Outgrow Big Box IMOs https://authoritypresswire.com/jeremy-lach-president-of-empire-marketing-partners-interviewed-on-the-influential-entrepreneurs-podcast-discussing-why-top-annuity-producers-outgrow-big-box-imos/

 
 
 
Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals.  The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. 
Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public.  Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements.  Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. 
Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions. 
 
 
 
 

Jeremy Lach President of Empire Marketing Partners Interviewed on the Influential Entrepreneurs Podcast Discussing Why Top Annuity Producers Outgrow Big Box IMOs

Jeremy Lach discusses why top annuity producers outgrow big box IMOs 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jeremy-lach-president-of-empire-marketing-partners-why-top-annuity-producers-outgrow-big-box-imos/
Discussed the common trajectory in the financial services industry where professionals start with larger firms to learn the ropes before venturing out on their own. Jeremy highlighted the hidden growth ceilings that advisors often encounter with big box IMOs, such as becoming just a production number and missing out on personalized support and growth opportunities. 
In the ever-evolving landscape of the financial services industry, many professionals begin their careers with aspirations of building a lasting legacy. For many, this journey starts with aligning themselves with established organizations, often referred to as Insurance Marketing Organizations (IMOs). While these IMOs can provide invaluable resources and support, they can also impose growth ceilings that may hinder an advisor’s potential. Recognizing these ceilings is crucial for advisors seeking to maximize their impact and achieve long-term success. 
IMOs serve as intermediaries between insurance carriers and independent agents. They offer a range of services, including training, marketing support, and access to a variety of products. For new advisors, joining an IMO can seem like a logical step; it provides a safety net and a structured environment in which to learn the intricacies of the industry. However, as many seasoned professionals, like Jeremy Lach, have discovered, these organizations can sometimes stifle growth and limit opportunities. 
Initially, the support and resources provided by an IMO can create a sense of stability. Advisors may feel that they have found a home where they can thrive. However, this sense of security can quickly morph into complacency. As Jeremy pointed out, many advisors may not realize they are stagnating until it’s too late. The metaphor of the “frog in boiling water” aptly illustrates this phenomenon; when the temperature rises slowly, the frog fails to jump out until it is too late. Similarly, advisors may overlook subtle signs of stagnation, leading to missed opportunities for growth. 
Recognizing growth ceilings within IMOs involves understanding the limitations that these organizations can impose. Here are several key indicators that advisors should be aware of: 

Limited Product Offerings: Some IMOs may primarily have exclusive agreements with specific carriers, which can restrict the range of products available to advisors. This limitation can hinder an advisor’s ability to meet diverse client needs and adapt to changing market conditions. 
Commission Structures: IMOs may impose commission limits that may not be favorable to all advisors. These structures can limit earning potential and create a sense of dependency on the organization. Advisors may find themselves working harder for less reward, leading to frustration and burnout. 
Lack of Autonomy: While IMOs provide support, they can also impose rigid guidelines and restrictions on how advisors operate. This lack of autonomy can stifle creativity and innovation, preventing advisors from developing their unique value propositions. 
Inadequate Support for Growth: As advisors progress in their careers, they may require more advanced training and resources to scale their businesses. However, not all IMOs offer the necessary support for growth, leaving advisors feeling unsupported and directionless. 
Cultural Misalignment: As advisors evolve, their values and goals may shift. If an IMO’s culture does not align with an advisor’s vision, it can lead to dissatisfaction and a sense of being trapped in a misaligned partnership. 

For advisors who recognize these growth ceilings, the next step is to consider alternatives. Transitioning to a more entrepreneurial environment can provide the freedom and resources necessary for growth. As Jeremy Lach did when he founded Empire Marketing Partners, taking the leap to establish one’s own firm can lead to greater autonomy and the ability to create a lasting legacy. 
In conclusion, while IMOs can offer valuable support and resources for new advisors, they can also impose growth ceilings that hinder long-term success.  By recognizing the signs of stagnation and understanding the limitations of these organizations, advisors can take proactive steps to break free from constraints and pursue their own entrepreneurial aspirations. The journey from acting like an employee to a business owner may be challenging at first, but it can also be immensely rewarding for those willing to embrace the risks and opportunities that come with it. Ultimately, the key to success lies in recognizing the potential for growth and taking the necessary steps to achieve it. 
 
Jeremy shared: “there’s a lot of people that do what we do, but yet it’s such a small industry and there’s a lot of wonderful you know, large-scale IMOs. The larger a firm gets, advisors, they kind of become more of a production number. I mean, not really a partner. That’s when the focus is mainly on your volume and not really your personal growth” 
 
 Video Link: https://www.youtube.com/embed/TH-D2JHDxA8 
About Jeremy Lach 
Jeremy has spent more than 20 years in the financial services industry building, scaling, and strengthening distribution channels for independent financial professionals across the country.  His career began in retail financial services in 1999, shortly after graduating from St. John’s University in Collegeville, Minnesota. He then spent two years with John Hancock Financial, where he built a strong foundation in product knowledge, and client strategy. 
In 2001, Jeremy transitioned into the wholesale channel with American Financial in Minneapolis; a move that shaped the trajectory of his career.  Since then, he has dedicated himself to helping independent insurance reps, Advisor Representatives (IARs), RIAs, and Registered Representatives grow their businesses with intention and discipline. 
In today’s IMO world, support often comes *after* they’ve already proven themselves.  Empire was built to change that. 
Jeremy believes in identifying talent early and backing it immediately, not waiting until production numbers make the decision easy.  At Empire Marketing Partners, they support advisors at launch and throughout their growth by being a stable, strategic partner from day one. 
He is committed to proving that through superior service, experience, and consistency, they bring more value than anyone else in the space. This isn’t transactional.  They operate like family, and their actions reflect that commitment every step of the way. 
Today, Jeremy is focused not only on supporting advisors operationally, but also on strengthening his brand and influence within the industry—aligning with like-minded professionals and firms who are committed to growth, excellence, and long-term impact. 
  
Learn more: http://www.empiremps.com/  
 
 
 
Jeremy Lach is the Founder of Empire Marketing Partners, an independent marketing organization (IMO) that supports licensed insurance professionals.  The views and opinions expressed in this podcast/interview are for informational and educational purposes only and should not be construed as individualized investment, tax, or legal advice. 
Empire Marketing Partners does not provide direct financial planning or investment advisory services to the public.  Insurance and annuity products are offered through properly licensed insurance professionals and are subject to state availability, carrier underwriting guidelines, and suitability requirements.  Guarantees referenced, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. 
Financial professionals and consumers should consult their own qualified advisors regarding their specific situation before making any financial decisions. 
 
 
 

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
 
 
 
 
 

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