Latest Stories in "In The News"

Elevation Construction Expands Focus on Custom Home Additions to Help Houston Families Stay in the Homes They Love

Houston-based contractor emphasizes thoughtful planning, clear communication, and long-term value as demand for added living space grows 
Houston, Texas – 2025 
Elevation Construction is expanding its focus on custom home additions in response to growing demand from homeowners seeking more functional living space without the disruption of moving. Serving Houston, Cypress, and surrounding communities, the company is helping families reimagine and expand their homes through a structured, end-to-end construction process designed to enhance both daily livability and long-term property value. 
As families grow, work-from-home needs evolve, and multi-generational living becomes more common, many homeowners find themselves outgrowing spaces they otherwise love. Rather than entering a competitive housing market, an increasing number are choosing to invest in well-planned home additions that allow them to stay rooted in their neighborhoods while gaining the space and functionality they need. 
Elevation Construction approaches home additions as both a lifestyle decision and a long-term investment. By combining detailed pre-construction planning with disciplined execution, the company aims to remove much of the uncertainty that homeowners often associate with major construction projects. Each addition is designed to integrate seamlessly with the existing home while meeting current building codes, structural requirements, and permitting standards. 
“Adding square footage isn’t just about building more space—it’s about improving quality of life,” said a representative of Elevation Construction. “A home addition is a major decision for any family. Our responsibility is to guide homeowners through the process with clarity, communication, and a level of craftsmanship that protects their investment.” 
A key differentiator in Elevation Construction’s approach is its collaboration with licensed engineers and experienced interior designers from the earliest stages of a project. This integrated team structure helps ensure that additions are not only structurally sound and code-compliant, but also functional, well-designed, and aligned with how families actually live. The result is added space that feels intentional rather than pieced together. 
From an investment perspective, increasing usable square footage remains one of the most effective ways to enhance a home’s market appeal. While return on investment varies based on design choices, neighborhood trends, and broader market conditions, well-executed home additions consistently rank among the most valuable residential improvements. Beyond resale considerations, homeowners benefit immediately from improved comfort, flow, and flexibility within their homes. 
Elevation Construction emphasizes transparency throughout the project lifecycle, providing realistic timelines, clear expectations, and ongoing communication. This focus on the homeowner experience is central to the company’s philosophy and reflects a broader commitment to professionalism within the residential construction industry. 
The company is a proud member of the Greater Houston Builders Association (GHBA), underscoring its commitment to industry best practices, local building standards, and continuous professional development. Its internal team of project managers and trusted trade partners work together to deliver consistent quality from concept through completion. 
As Houston-area homeowners continue to look for ways to adapt their homes to changing needs, Elevation Construction’s expanded focus on custom additions reflects a practical, homeowner-first response to modern living challenges. The company’s work highlights how thoughtful design and disciplined construction can create space, comfort, and value—without leaving the home families already call their own. 
Homeowners interested in learning more about custom home additions are encouraged to explore Elevation Construction’s resources or request a consultation to discuss their space needs, lifestyle goals, and long-term plans. 
To learn more, visit https://www.elevationconstructionteam.com 
For industry insights, visit https://thecaffeinatedcontractor.com

Interview with Patrick Cotter, Founder of Cotter Financial Group on the Influential Entrepreneurs Podcast Discussing Emotional Well-being in Retirement

Patrick Cotter discusses the Emotional Well-being in Retirement  
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-emotional-well-being-in-retirement/
In this episode of Influential Entrepreneurs, host Mike Saunders welcomes back Patrick Cotter, founder of Cotter Financial Group, to discuss the often-overlooked emotional aspects of retirement planning. Patrick shares insights from his personal experience of retiring at age 60 and highlights the importance of addressing emotional well-being beyond just financial metrics. He explains that while accumulating wealth during one’s career can be straightforward, transitioning into retirement requires careful navigation to avoid costly mistakes. Patrick emphasizes the role of financial planning in supporting emotional health as individuals descend from the “mountain” of financial accumulation into retirement.  
Emotional well-being in retirement is a critical aspect that is often overlooked when planning for this significant life transition. In a podcast episode featuring Patrick Cotter, founder of Cotter Financial Group, the discussion highlights that the emotional side of retirement is just as important as the financial side. A solid financial plan can alleviate stress and anxiety about money, allowing retirees to focus on enjoying their lives. 
The Importance of Emotional Well-Being 
Retirement is a time many look forward to, yet it can also bring about feelings of uncertainty and anxiety, particularly regarding financial security. Patrick emphasizes that many retirees spend their time worrying about their portfolios, questioning whether they will have enough money to last through their retirement years. This constant concern can lead to increased stress levels, negatively impacting overall health and happiness. 
A well-structured financial plan can significantly reduce these worries. Patrick shares his personal experience of retiring at 60 and how he created a guaranteed income portfolio for himself. This approach not only provides him with peace of mind but also allows him to enjoy his retirement without the constant fear of running out of money. He notes that the happiest retirees are those who have a reliable, repeatable, and sustainable income source, which can be achieved through various financial instruments, including annuities. 
Patrick uses a compelling analogy to illustrate the importance of financial planning: the gas gauge story from his childhood road trip. He recounts how his family drove through the Petrified Forest, focusing on the gas gauge rather than enjoying the beautiful scenery. This story serves as a metaphor for retirees who become overly fixated on their financial situation, missing out on the joys of retirement. By having a solid financial plan in place, retirees can avoid the anxiety of watching their “gas gauge” and instead focus on living life to the fullest. 
Video Link: https://www.youtube.com/embed/WtlBkeDT_2M 
Patrick explained: “One of the key components of a sound financial plan is the inclusion of guaranteed income sources. Social Security, pensions, and fixed income annuities are primary sources of guaranteed income. I advocate for the use of annuities, which can provide a steady income stream and help retirees manage their finances without the stress of market fluctuations.”  
 
In conclusion, emotional well-being in retirement is crucial, and a solid financial plan can play a significant role in alleviating stress and anxiety about money. By focusing on creating a reliable income stream and addressing potential financial risks, retirees can free themselves from the burden of financial worries. This, in turn, allows them to embrace their retirement years with joy and fulfillment, making the most of this well-deserved phase of life. As Patrick Cotter emphasizes, having a plan that takes the risk off the table is essential for achieving a happy and healthy retirement. 
 
About Patrick Cotter 
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind their values, relationships and more importantly how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get them ready for what matters most and take action with more confidence. Focus areas are: 
 – Retirement Income Planning – safe, predictable and guaranteed 
– Legacy Planning – maximize to whom and what is left to heirs 
– Wealth Transfer – tax efficient transfer strategies  
– Estate Planning –  Wills, Trust and Asset Protection 
– Social Security Optimization – claiming strategy guidance 
– Wealth Management – safe and tax efficient strategies for inflation risk 
 
Learn More: www.cotterfinancialgroup.com  
Cotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. 
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. 

Interview with Patrick Cotter, Founder of Cotter Financial Group on the Influential Entrepreneurs Podcast Discussing Proactive Retirement Planning

Patrick Cotter discusses the importance of proactive retirement planning  
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-proactive-retirement-planning/
 In this episode of Influential Entrepreneurs, host Mike Saunders welcomes Patrick Cotter, founder of Cotter Financial Group, to discuss proactive retirement planning and ensuring longevity in retirement. Patrick shares his journey into the financial services industry, which began unexpectedly after graduating as an engineering major in 1987. He reflects on his early career as a financial advisor and stockbroker, later transitioning to the insurance sector, where he excelled in building relationships. After over 30 years in the corporate world, Patrick achieved his dream of retiring at 60, and he shares insights on navigating retirement income planning to help clients secure their financial futures.  
Proactive Retirement Planning: Balancing Financial Numbers and Desired Lifestyle 
Proactive retirement planning is essential for ensuring that individuals do not outlive their savings. This approach goes beyond merely accumulating a specific amount of money; it requires a comprehensive understanding of both financial needs and the lifestyle one desires during retirement. 
As Patrick Cotter emphasizes in the podcast, many people approach retirement planning with a focus solely on the financial aspect—what he refers to as “just the numbers.” While knowing your retirement savings target is important, it is equally vital to consider what life will look like once you retire. This dual focus helps individuals create a more fulfilling and sustainable retirement experience. 
Patrick uses the analogy of Alice in Wonderland to illustrate the importance of having a clear destination in mind when planning for retirement. Just as Alice needed to know where she wanted to go to choose the right path, individuals must define their retirement goals to make informed financial decisions. This involves asking critical questions about what they want their retirement to look like, rather than just how much money they need. 
One of the most significant misconceptions people have is that Social Security will be sufficient to cover their retirement expenses. Patrick points out that many individuals underestimate their financial needs and overestimate the adequacy of Social Security benefits. This can lead to a shortfall in income, especially when considering that expenses may not decrease significantly after one spouse passes away. 
To navigate the complexities of retirement planning, Patrick advocates for working with a specialist who focuses on retirement income planning. Just as one would seek a medical specialist for a specific health issue, individuals should consult a financial expert who understands the nuances of retirement income strategies. This professional can help identify gaps in income and provide tailored solutions to ensure a comfortable retirement. 
Key Steps in Proactive Planning 

Define Retirement Goals: Understand what you want your retirement to look like, including lifestyle choices and activities.
Assess Financial Needs: Calculate how much guaranteed lifetime income you will need to cover essential expenses and desired lifestyle choices.
Evaluate Social Security: Analyze the best time to claim Social Security benefits to maximize income and avoid penalties.
Identify Risks: Consider various risks such as longevity risk, market risk, inflation risk, and healthcare costs, and develop strategies to mitigate them.
Create a Comprehensive Plan: Work with a financial specialist to develop a plan that addresses both financial numbers and lifestyle aspirations. 

 
Patrick shared: “Proactive retirement planning is essential for ensuring that individuals can enjoy their retirement years without the fear of outliving their savings. By focusing on both financial numbers and the desired lifestyle, individuals can create a balanced and fulfilling retirement plan.” 
 
Engaging with a retirement income specialist can provide the necessary guidance to navigate this complex process, ultimately leading to peace of mind and a secure financial future. 
Video Link: https://www.youtube.com/embed/HmqvZct468s 
About Patrick Cotter 
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind their values, relationships and more importantly how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get them ready for what matters most and take action with more confidence. Focus areas are: 
– Retirement Income Planning – safe, predictable and guaranteed 
– Legacy Planning – maximize to whom and what is left to heirs 
– Wealth Transfer – tax efficient transfer strategies  
– Estate Planning –  Wills, Trust and Asset Protection 
– Social Security Optimization – claiming strategy guidance 
– Wealth Management – safe and tax efficient strategies for inflation risk 
 
Learn More: www.cotterfinancialgroup.com  

Cotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. 
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. 

Executive NeuroShift: Dr. Muhamad Aly Rifai Introduces Breakthrough Kernel Brain Assessments That Reveal Brain Age and Function in Real Time

NIH-trained psychiatrist launches an innovative cognitive optimization tool designed for business leaders, high performers, and individuals seeking measurable mental enhancement.
Pennsylvania – In a time when mental load, decision fatigue, and high-stress environments are placing unprecedented demands on leaders, a renowned mental health expert is bringing a groundbreaking solution to the market. Dr. Muhamad Aly Rifai, an NIH-trained, multi-board-certified psychiatrist, internist, and addiction medicine physician, has announced the deployment of Kernel brain assessments, a cutting-edge technology that measures brain function and brain age in real time.
This advancement marks a major step forward in cognitive precision, personal development, and executive performance. As pressure increases for leaders to think faster, decide smarter, and adapt more effectively, Dr. Rifai’s work opens the door to a level of mental clarity and optimization previously unavailable outside advanced research settings.
“People want better thinking, better outcomes, and better lives,” Dr. Rifai says. “For the first time, we can actually measure brain performance and show people how to improve it in ways that create lasting change.”
A New Era of Cognitive Insight for Modern Leaders
From entrepreneurs to executives and high net worth individuals, today’s professionals operate in environments where clarity, emotional control, and strategic awareness are essential. Yet stress, anxiety, and burnout undermine performance. Leaders often do not know what their brain is doing under pressure, how it responds to challenges, or where cognitive bottlenecks exist.
Kernel brain assessments provide a direct solution. Using advanced neurotechnology, the system evaluates:

Real-time brain activity
Cognitive processing patterns
Executive functioning
Stress responses
Neurological aging markers

This allows clients to identify exactly where cognitive strengths and weaknesses lie, giving them a measurable path to improvement.
“Understanding your brain is the fastest way to change your outcomes,” Dr. Rifai explains. “Once you can see what the brain is doing, you can train it, strengthen it, and elevate every part of your life.”
A Powerful Tool for Personal and Professional Transformation
Dr. Rifai’s Executive NeuroShift model is designed to help clients:

Overcome personal and professional challenges more effectively
Sell and communicate with less resistance by understanding cognitive patterns
Reduce stress and anxiety to attract more abundance and mental ease
Enhance resilience, focus, and emotional stability
Improve decision making through measurable neurological insight

With more than 25 years of clinical experience, Dr. Rifai brings a rare combination of scientific expertise, medical rigor, and deep understanding of human behavior. Clients describe his work as transformative, especially when combined with Kernel assessments and Brainsway technology.
“People are tired of guessing,” he says. “They want clear answers and clear paths to better performance. This tool finally makes that possible.”
A Unique Offering With No Direct Competitors
According to Dr. Rifai, no existing retreat, program, or clinical environment is offering this combination of assessment, interpretation, and personalized cognitive enhancement. The integration of Kernel technology with his Executive NeuroShift framework creates a distinctive opportunity for leaders seeking a competitive edge in both life and business.
His upcoming retreats will allow participants to receive:

Full Kernel brain assessment
Interpretation and training with Dr. Rifai
Stress and anxiety reduction protocols
Tools for better communication, leadership, and emotional mastery

The combination is designed to create measurable improvements in clarity, performance, and everyday well-being.
Call to Action
Individuals interested in a Kernel brain assessment, Executive NeuroShift retreat, or private consultation with Dr. Rifai may visit the links below for details:

Website: https://drrifai360.com/
Blue Mountain Psychiatry: www.bluepsychiatry.org
Kernel Technology: www.kernel.com
Brainsway: www.brainsway.com

About Dr. Muhamad Aly Rifai
Dr. Muhamad Aly Rifai is a multi-board-certified psychiatrist, internist, and addiction medicine physician trained at the National Institutes of Health. He is the founder of Blue Mountain Psychiatry in Pennsylvania and a nationally recognized advocate for patient-centered mental health. With more than 25 years of experience, he specializes in cognitive enhancement, brain health, and innovative treatment methods designed to improve performance and emotional well-being.

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