Shantel Haines with Clarity Financial Solutions

September 7, 2023 by Tom Sheldon

Northeast Georgia Business Radio

Shantel Haines with Clarity Financial Solutions

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Clarity Financial Solutions specializes in helping individuals develop sound retirement strategies. If you’re retired, or approaching retirement, take the time to explore their website and the wealth of information they offer.

They educate their clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

Clarity Financial Solutions understands the many challenges of retirement today and know the biggest concern for many is outliving their money. They focus on money management, as well as other issues that are critical to your financial well being.

The mission is to get to know and understand your needs, wants, and long-term goals. They want to help you develop, implement, and monitor a strategy that’s designed to address your individual situation.

SIMON SAYS, LET’S TALK BUSINESS: Jennifer Fennell with Jackson EMC, Bill McDermott with McDermott Financial Solutions, and Gregg Burkhalter “The LinkedIn Guy”

August 23, 2018 by Mike

Gwinnett Studio

SIMON SAYS, LET'S TALK BUSINESS: Jennifer Fennell with Jackson EMC, Bill McDermott with McDermott Financial Solutions, and Gregg Burkhalter "The LinkedIn Guy"

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Bill McDermott, Jennifer Fennell, Gregg Burkhalter, Al Simon

Jennifer Fennell/Jackson EMC

Jackson EMC was founded in 1938 on the belief that by working together, they could improve the quality of life for residents of Northeast Georgia through the power of electricity. That idea hasn’t changed, and a Jackson EMC membership still costs the same today as it did then: $5.

Today, the meters Jackson EMC serves has grown to more than 220,000, but their commitment to the members they serve, and their community, remains the same. As they look to the future, they rely on their vision, mission and values to keep them on track.

Bill McDermott/McDermott Financial Solutions

McDermott Financial Solutions helps business owners establish solid financial plans to get on a clear path to growth and profitability through their 6-step process called the McDermott Advantage. They also help business owners find funding for their business with McDermott Financial Solutions’ prior banking experience, expertise and contacts.

Gregg Burkhalter/”The LinkedIn Guy”

Gregg Burkhalter is a recognized authority on personal branding and LinkedIn. He has helped countless professionals in the U.S. and abroad define and grow their personal brand using LinkedIn.

Gregg spent the first part of his professional career behind the microphone at radio stations in Savannah, Jacksonville, Charleston, and Atlanta. Following his radio years, Gregg worked in national music marketing and distribution.

Today, Gregg is known by many as “The LinkedIn Guy”. He provides personal branding coaching and LinkedIn training via one-on-one and group training sessions, corporate presentations, and webinars. Gregg is also a frequent speaker at civic and chamber events and area universities.

Pensacola Business Radio-4-27-16 Guests: Bob Pitts / Willow Bend Mortgage, Steve Cox / Modern Woodmen

April 27, 2016 by Keith

Pensacola Business Radio

Pensacola Business Radio-4-27-16 Guests: Bob Pitts / Willow Bend Mortgage, Steve Cox / Modern Woodmen

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Bob Pitts / Willow Bend Mortgage

bpitts@wbm.com

Willow Bend Mortgage was founded in North Dallas by Bill Shaddock in December 1993. It was formed as a small brokerage shop built on servant leadership principles. Over the next 20 years, the leadership, which is still in place today, has organically grown Willow Bend Mortgage into a full scale mortgage banking operation with offices now across Texas in the Dallas/Ft. Worth, Houston, Austin, San Antonio, McAllen, and Corpus Christi metroplexes as well as across the state of Alabama. The company is headquartered in Plano, Texas and annually generates $500+ million of single family and reverse mortgages.

Willow Bend Mortgage loan officers pride themselves on building relationships with their clients by putting their clients’ interests first and navigating them through today’s over-regulated mortgage environment with a product mix, expertise, and operations staff that is second to none.

A reverse mortgage is a loan available to homeowners who are 62 years or older that enables them to convert part of their equity in their home into tax-free cash! FHA, who insures the reverse mortgage, for the benefit of the borrower, terms this a “Home Equity Conversion Mortgage” (HECM).

The product was conceived as a means to help retirees improve their quality of life utilizing the accumulated equity in their homes. The “tax free” proceeds may be used to cover living expenses, pay for long term health care, pay off their existing mortgage and even to take that long awaited vacation. The attractive part of the HECM is that there are no restrictions on how the proceeds can be used…IT IS YOURS TO DO WHAT EVER YOU WANT!

The loan is called a reverse mortgage because the traditional mortgage everyone is used to has a payback stream that is in reverse. Instead of making payments to a lender, as with the traditional mortgage, the borrower makes no payments, with a HECM and the lender makes payments to the borrower. The HECM also has many varied options the borrower can take advantage of.

How is a Reverse Mortgage Repaid?

Borrowers want to sell:

The property is sold
HECM loan balance (principal plus accumulated interest and MIP) is repaid
Remaining equity goes to the existing borrower(s) or their heirs.

Borrowers want to sell and purchase a new home using a HECM for home purchase:

Combine a new reverse mortgage with the proceeds from the sale above to purchase a new home

One borrower passes away:

Nothing changes — the loan is not due and payable until the surviving borrower moves or passes away

Both borrowers pass away:

The heirs may pay the balance due on the reverse mortgage, refinance the property into their own name, or sell the home, for fair-market value, and use the proceeds to pay off the reverse mortgage. Any remaining equity after the reverse mortgage is repaid is theirs to keep.

Steve Cox / Modern Woodmen Financial

SJMC125@bellsouth.net

About Modern Woodmen of America

Modern Woodmen of America is a member-owned fraternal financial services organization. We secure futures with financial guidance and products. We touch lives with fraternalism. Since 1883, Modern Woodmen has brought people together, supported families and strengthened communities nationwide.

The Basics

Modern Woodmen was founded by Joseph Cullen Root in 1883 in Lyons, Iowa.
Our home office is located in Rock Island, Ill.
As a fraternal benefit society, we are not-for-profit, have a representative form of government and have a system of local chapters.
Serving nearly 770,000 members, Modern Woodmen is the nation’s third largest fraternal benefit society.
Approximately 500 people are employed at the Rock Island home office. Modern Woodmen has regional offices in 47 states, and has more than 1,600 financial representatives.
Modern Woodmen has $37 billion of life insurance in force.
Modern Woodmen has $14 billion in assets.
Modern Woodmen has an A+ (Superior) rating from A.M. Best, an independent insurance industry rating agency. A+ (Superior) is the second highest of 15 ratings.

Products and Subsidiaries

Modern Woodmen’s main product lines are life insurance, annuity and investment* products designed for the family market.
Established in 2001, MWA Financial Services Inc. is a wholly owned subsidiary of Modern Woodmen that functions as a full-service broker dealer and distributes securities products.
Modern Woodmen Bank opened for business in 2003, and provides a complete array of personal banking products and services.

Member Benefits

Through fraternal programs, benefits and activities, Modern Woodmen put more than $19 million into members’ local communities in 2014.
Approximately 3,000 local chapters nationwide offer social, educational and volunteer service opportunities.
Nearly 800 youth service clubs nationwide provide members from age toddler to teen opportunities to volunteer, learn and have fun.

Pensacola Business Radio 4.26.16 Guests: Craig Jernigan and Sandra McGuire / American Heritage Financial, Merv Griffin Fresh Coat Painters

April 26, 2016 by Keith

Pensacola Business Radio

Pensacola Business Radio 4.26.16 Guests: Craig Jernigan and Sandra McGuire / American Heritage Financial, Merv Griffin Fresh Coat Painters

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Sandra McGuire and Craig Jernigan / American Heritage Financial

We are your local insurance and financial planning firm assisting in creating financial & protection plans catered to meet your specific needs.

Our core sectors of expertise are financial security, medicare, executive benefits, business succession strategies, retirement, leaving a legacy, estate preservation, social security options, lifetime income, and spousal survivor income.

I’m super excited to finally introduce American Heritage Financial to everyone on the gulf coast. Newly formed in 2013 with

100% focus on our clients and producers we have nearly every possible carrier in the industry. We don’t work for the insurance

companies…We work for our clients! We have 7 in-house Certified Financial Planners (CFP) for assisting agents and clients in

building the perfect plans to meet their clients’ unique needs. For those with questionable health we have 2 in-house

underwriters to assure our clients get the best possible rates. If you want to learn a little more about an AHF please give us a call

today! We’re very excited to share our story…If all the financial aspects of your life aren’t well coordinated let us help!!!

Sandra McGuire- sandramcguire@ahfplanners.com

After working in the benefits industry for many years, I transitioned to a career as an insurance and financial professional

believing I can make a difference in people’s lives. As a single woman who raised a child alone, I can relate to the financial

challenges we all face and desires for a secure financial future for our families.

Now as an independent agent licensed in Florida, Alabama and Georgia, I am happy to work for my clients and make

recommendations that are truly in their best interests. I joined AHF because I believe my client’s needs are my top priority

and at AHF I have the resources to find the right solution for them.

These days when I’m not working I stay active and you can find me training for a triathlon, water-skiing, on a stand-up paddle

board with my Australian Cattle Dog, on a boat, at the beach and enjoying time with my Mom, daughter, and two

granddaughters.

I am an Ambassador for the Pensacola Chamber of Commerce, a member of TriGulfCoast Triathletes, member of the

Pensacola Ski Club, and an associate member of Pensacola Association of Realtors.

FACEBOOK

Merv Griffin / Fresh Coat Pensacola

Owner

Painters You Can Trust

Fresh Coat of Pensacola is a professional painting company that services communities in and around Pensacola, FL. Our team of experienced painters are bonded and insured for your peace-of-mind, and we’ll get the job done on time and on budget. Whether you just need a touch-up, or your entire property painted, we’re here to help make your vision a reality.

Service You Can Rely On

What makes Fresh Coat different is our commitment to customer service. We approach every project as it were for ourselves, and we understand that your time is important. That’s why we offer flexible scheduling, and why we’ll be on time, every time. We’ll work hard to get you the look you want.

Web FaceBook Twitter

About Fresh Coat of Pensacola

“Painting Done Right!” is more than a slogan for us – it is our commitment to provide the best quality and craftsmanship to every painting project we complete. We offer a wide range of services for both residential and commercial painting projects. Coupled with years of experience and quality painting products from Sherwin Williams, you can count on Fresh Coat to deliver the highest quality of service at an affordable price.

Fresh Coat of Pensacola is a locally owned and operated painting company dedicated to providing the highest degree of customer service and satisfaction to our clients in and around Pensacola, FL

You can rely on us for quality work and prompt completion dates. Our team of expert painters are fully bonded and insured for your safety and peace of mind. Plus, all our work carries a warranty, and we won’t call the job finished until you are completely satisfied! With FREE quotes, on-time appointments, our 3-3-3 Customer Service Pledge, superior quality workmanship, and commitment to the community, Fresh Coat is the #1 choice.

So remember, when you want your home or business painted, call Fresh Coat of Portland – the Painters you can trust to get Painting Done RIGHT!

STRATEGIC INSIGHTS RADIO: Understanding Financial Statements (Part 2 of 2)

February 18, 2016 by Mike

Gwinnett Studio

STRATEGIC INSIGHTS RADIO: Understanding Financial Statements (Part 2 of 2)

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On this episode of “Strategic Insights Radio”, the CEO of Sterling Rose Consulting Corp Vlad Rusz explains how to make sense out of income statements and balance sheets.

Vlad Rusz/Sterling Rose Consulting Corp

Sterling Rose Consulting Corp is a Gwinnett County, GA based company that provides business plan creation and review, online and offline marketing, marketing plan creation and review, ongoing marketing services, accounting, bookkeeping, financial analysis, operations and business consulting. The staff of Sterling Rose Consulting Corp has over 100 years of successful entrepreneurial experience. In addition, the CEO of the Company, Vlad Rusz, has launched and managed four successful businesses that range in age from 17 months to 7 years old with gross revenues ranging from $175,000 to over $5.0 million.

Sterling Rose Consulting Corp. prides itself on providing quality, investor ready documentation. The company takes it even one step farther to make sure that the client understands how to effectively present these documents, whether they are being prepared for internal use or outside investors. Sterling Rose Consulting also provides full loan SBA packages, Immigration Visa Business Plans, Commercial Lending Business Plans, Commercial Space, Growth, Not-For-Profit and Venture Capital/Investment Ready Plans.In addition, Sterling Rose Consulting Corp also provides Zoho Customization, Design and Implementation, Custom CRM solutions, Payroll, Bookkeeping and Accounting Services.

About “Strategic Insights Radio”:

“Strategic Insights Radio” is intended to be an interactive radio show hosted by Sterling Rose Consulting Corp. Listeners can Tweet their questions for a live response on the radio to @sterling_rose1 or via @strategicradio. Also, suggestions on business topics that listeners would like to learn more about are welcome. Please send suggestions to info@sterlingroseconsultingcorp.com.

STRATEGIC INSIGHTS RADIO: Understanding Financial Statements (Part 1 of 2)

January 21, 2016 by Mike

Gwinnett Studio

STRATEGIC INSIGHTS RADIO: Understanding Financial Statements (Part 1 of 2)

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On this episode of “Strategic Insights Radio”, the CEO of Sterling Rose Consulting Corp Vlad Rusz explains how to make sense out of income statements and balance sheets.

Vlad Rusz/Sterling Rose Consulting Corp

About “Strategic Insights Radio”:

Pensacola Business Radio- 12.03.15 – Guests: Andrew Martin / Atlas Financial Strategies, Tom Koenig / King Sized Solutions

December 3, 2015 by Keith

Pensacola Business Radio

Pensacola Business Radio- 12.03.15 - Guests: Andrew Martin / Atlas Financial Strategies, Tom Koenig / King Sized Solutions

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WHY WE DO IT

To help your company and the market you serve Get The Word Out.

No Big Media ambushes, traffic reports, and commercial interruptions.

We feature Business Professionals interviewing their peers, drilling down

on the critical issues, and delivering practical information to an engaged audience.

Business Is Good. Your Work Matters. Share The Air.

Andrew Martin / Atlas Financial Strategies

President / Owner

At Atlas Financial Strategies, it has been our pleasure to serve the Pensacola community and its surrounding areas. Our mission has always been, and will continue to be, to strive to provide our clients with the very best financial service available as well as a client experience that is second to none. We understand that our recommendations will impact you and your family for years to come. Therefore, we are very careful to make certain that the plan we suggest is suitable to you and fits your objectives.

Atlas Financial Strategies provides financial and retirement planning services to businesses and individuals. Being a leader in the financial services industry means continually striving for improvement. To keep pace with clients’ needs, Atlas Financial Strategies has access to new products, expanded quality service, and pioneered new technologies. Breaking new ground is part of the tradition. For Strength and Guidance, trust Atlas Financial Strategies.

Atlas Financial Strategies, LLC provides Insurance and financial services to both small and large businesses, alike. From employee benefits to succession planning, our goal is to keep you as a business owner focused on one thing: running the business. Atlas Financial Strategies, LLC offers:

Retirement plan administration including 401(k), 403(b), 457(b), Simple IRA, and SEP IRA
Group benefits including Life, Health, Dental, Vision, and Disability insurance
Key Person insurance
Buy/Sell agreements
Voluntary payroll deducted life insurance*
Executive carve-out plans

Executive Benefits

The success of most businesses is tied into the talent, passion and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with non-qualified plans, supplemental employee retirement plans, split dollar plans, and more.

Succession Planning

Succession planning allows owners to leave their business on their own timeframe while preparing their company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business.

Key Person Insurance

Key person life insurance offers a death benefit that indemnifies an employer for the loss of one of its most important assets – the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to recruit and develop a replacement for the employee.

Buy-Sell Agreements

A buy–sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to ensure that the arrangement is properly funded so that there will be money when the event is triggered.

Deferred Compensation

Deferred compensation is a written agreement between an employer and an employee where the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed back to them at a pre-determined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees.

Atlas Financial Strategies, LLC

7282 Plantation Road, Suite 400

Pensacola, FL 32504

Phone: (850) 542-4803

Tom Koenig / King-Sized Solutions

Owner / Independent Consultant

Mr. Tom Koenig is a retired United States Air Force Master Sergeant, who worked in the personnel field the latter half of his 22-year career. As a Certified Identity Theft Risk Management Specialist and a 2003 graduate from St. Leo University with a degree in Human Resource Management, Mr. Koenig specializes in studying the identity theft crime and teaching solutions to small businesses and large corporations. After having served for six years on the local Gulf Coast Crime Stoppers board of directors, and attending over 20 corporate training events across the country, Tom stays informed on local and national crime trends pertaining to I.D. theft issues. As the owner of King-SizedSolutions, LLC, Mr. Koenig works as an independent associate for a company that provides family and small business legal plan memberships, and an ID Theft restoration plan for today’s fastest growing white-collar crime.

www.tomkoenig.biz

www.kingsizedsolutions.biz

www.kingsizedsolutions.net

FACEBOOK

April Rooks with Cornerstone Personal Development, Jim Miskell with Estate Planning of Georgia, Stan Shkilnyi with the Barrow Group, and Art & Denise Picus with Sports Image

October 2, 2014 by Mike

Gwinnett Business Radio

April Rooks with Cornerstone Personal Development, Jim Miskell with Estate Planning of Georgia, Stan Shkilnyi with the Barrow Group, and Art & Denise Picus with Sports Image

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Mike Sammond, April Rooks, Jim Miskell, Denise Picus, Stan Shkilnyi, Art Picus, Steven Julian

April Rooks/Cornerstone Personal Development

Cornerstone Personal Development is a team of management professionals providing training and development for business in North Georgia through innovate seminars, events and on-site leadership development programs. Their objective is to assist organizations in developing healthy cultural habits, defining boundaries and expectations that provide structure, improve productivity and help with conflict resolution. By also working with teams and individuals they are able to provide character development to improve work ethics and build life skills. They believe if you wish to build a better company, invest in people.

Jim Miskell/Estate Planning Law Group of Georgia

The Estate Planning Law Group of Georgia provides peace of mind removing undue anxiety for their clients; whether it’s working with families to create an asset protection plan for elder years, or documenting decisions made in advance of a crisis for healthcare and financial wishes, they help families to legally prepare for what the future holds.

Stan Shkilnyi/Barrow Group

The Lion is more than a symbol to them. Its strength is at the heart of everything they do. The experience of the Barrow Group in the temp staffing and Film/TV production industries allows them to design an insurance program specifically for your company. Ares of expertise and coverage include workers compensation, general liability, and group health benefits. Why settle for the help of an “insurance agency” when you can have the Barrow Group’s staffing industry & film production industry experience work for you.

Art Picus & Denise Picus/Sports Image

Sports Image is an all-inclusive sports marketing and event management firm helping schools and grassroots organizations nationwide. Through sponsorship activation, they strive to help organizations get free equipment and funding for their programs. They help to “take the PAY out of PLAY.”

Kile Lewis with oXYGen Financial, Paul Kendig with Dinova and Mike Haswell with Storing Treasures

April 1, 2014 by Mike

Gwinnett Business Radio

Kile Lewis with oXYGen Financial, Paul Kendig with Dinova and Mike Haswell with Storing Treasures

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Mike Sammond, Kile Lewis, Paul Kendig, Mike Haswell, Steven Julian

Kile Lewis/oXYGen Financial

What’s the scoop about oXYGen Financial? “Guitar Hero” is to a financial services firm what a treasure chest full of toys is to a dentist’s chair: it doesn’t change the office operation, but at least it makes you quit yer snivelin’. Face it, kids, we all have to do our financial planning and our income taxes unless we want to get cavities. No, wait. That’s not it. We all have to do taxes lest we end up like Wesley Snipes. The way they see it at oXYGen Financial, you might as well have financial advisors that are not only good at planning your future, but also deliver your experience with a twist of fun… and an oxygen bar in the lobby just in case you need a last-minute happy boost before you get down to business with them.

oXYGen Financial is a full service family office offering financial services for the X and Y generations. Their mission is to help clients breathe easier about life by providing financial advice, wealth management, insurance, group benefits and tax and accounting services. oXYGen Financial also offers coordination of legal services and concierge services. They aren’t your parent’s firm, but oXYGen Financial can help you breathe easier… and it will feel a lot less like having teeth pulled. Take a spin today!

Paul Kendig/Dinova

Dinova brings corporations and restaurants together in a formal business relationship. Their corporations dine at the preferred restaurants that are on the program.

Mike Haswell/Storing Treasures

Storing Treasures is dedicated to providing new and unique options regarding financial coaching. Rather than assuming everyone responds to handling finances in the same manner, Storing Treasures recognizes each person’s unique financial personality regarding money. The Financial Personality Assessment is the cornerstone of the entire Storing Treasures program. Our financial personalities are driven by specific traits that define how we think and how we behave financially. In order to reach many more people with the Storing Treasures approach, they have developed a new web-based program called STAFF (Storing Treasures Automated Financial Foundation). STAFF is a unique, one of a kind educational platform designed to provide the user with a personalized plan. It is an 8 session course that allows the individual to learn about educational topics and then input their own information into a secure environment. Individuals can then get a personalized report, based on their own financial personality, that they can use time and time again. Once you understand how you and those around you are wired from a financial standpoint, you can make better decisions that will ultimately lead to better communication, lower debt, higher savings and improvement in your finances.

Storing Treasures promotes this program to employers, financial professionals, churches and non-profits as a way for these organizations to provide a new program for those they serve. Statistics show the incredible amount of time people worry about their finances in any given day… leading to stress-related illnesses, absenteeism and a lack of productivity. Your organization will become stronger by offering a way for people to get the basic financial help and support they need…. helping them become a better employee.

Gwinnett Business Radio

Each week, from the Business RadioX studio in Gwinnett, our hosts interview Gwinnett County’s top businessmen and businesswomen to learn what makes them the best at what they do.