Today we reveal three tricks to dramatically increase retirement income, including the often overlooked benefits of reverse mortgages and annuities. Eliminate bills. It's awesome. - Charlie Jewett Tired of seeing people struggle to make ends meet in their golden years, we have dedicated ourselves to finding innovative ways to increase retirement income. Discover the power of annuities as an alternative to traditional stock market investments. After listening to this episode, you will be able to: Boost your retirement resources by harnessing the benefits of annuities. Explore the hidden value of reverse mortgages for a financially stable retirement. Learn clever tactics to amplify annuity benefits, securing your financial future. Unravel the riddles of "fake math" and demystify perplexing pension structures. Forge a dependable and perpetual income channel through annuity expertise. If you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point, he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-free money for their clients.

We are back with special guest April Brown to dispel the myths and show you the truth. Join us to learn how Annuities can provide a secure, low-risk retirement income strategy. In this episode, we uncover hidden truths about brokers' deceptive practices and how they impact your investments. We also expose the high fees charged by investment brokers and find ways to reduce these costs. You’ll discover annuities as a low-risk alternative for generating retirement income. You will also learn to effectively monitor brokers' performance and hold them accountable. And more! This episode is a little longer than most, but it’s because we cover these important topics: Consider annuities as an alternative to traditional stock market investments for maximizing your retirement savings. Explore different ways to earn a specific rate of return, such as 8%, by examining various investment scenarios and their potential outcomes. Understand the dangers of relying solely on an average rate of return and the potential impact of market volatility on your retirement savings. Research fixed annuities or CDs that offer a consistent return on investment, reducing the impact of market fluctuations on your savings. Consult with a financial advisor who specializes in maximizing retirement income and can provide guidance on using annuities as a stock market alternative. Be aware of the marketing tactics used by some financial advisors that promote unrealistic expectations for retirement planning and returns on investment. Educate yourself on the importance of understanding the real rate of return and how it can affect your overall retirement savings. Utilize future value calculators to better understand the potential outcomes of various investment scenarios. Seek professional advice on how to balance your investment portfolio, incorporating annuities as an alternative to more traditional stock market investments. Continually evaluate and adjust your retirement planning strategies to ensure you are maximizing your income and minimizing potential risks. If you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We have a special guest joining us today, April Brown, a retired law enforcement professional. And we’re having a conversation about the tricks and strategies “Joker Brokers” use to steer you into a plan that doesn’t work for you but is really in their best interest. It’s mostly deception, and what bugs us is that they are not teaching, just telling. We like to teach and inform our clients so they understand how everything works, and they know where they are going. Charlie likes to use the analogy that these Joker Brokers are like taxi drivers who take your money, and then take you where they want you to go, you don’t have much of a choice in your destination! Listen in as we reveal some of the underlying issues of the strategies these brokers use, why they aren’t in your best interest, and what works better, much better. And, if you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We find most people, our clients and prospects, in the stock market. It's the most popular common thing for people to do. How do you know you want to stay there or that that should be a part of your life unless you know how it actually works? How can you make any decisions if you can't see clearly? So, in today’s episode we’re going to help you remove some of the confusion of what it is about the stock market that people need, want and love so much. How is something so popular even though it slaps you around and beats you up and underperforms all the other tools? How does it keep such a grip on people? Right? So, listen in as we reveal some of the underlying issues of the stock market and what works better, much better. And, if you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

Today, we’re here to chat about what you may have been experiencing for the last couple months in this market, which is where there are losses, there's steak. Watch out vegans, this is not a vegan episode. (Just kidding). There are lots of laws in the universe, and there seems to be a law that when the market goes down, your joker broker advisor wants to play golf or wants to meet you. Their relationship becomes really important all of a sudden! Oh my goodness, wait, the market's down. I should reach out to the Jones’ and to the Smiths… Right? Because they got you with the risk with a side of fees as the answer to everything. When the market's going up, there's no reason really to talk, right? Nope. You're happy. Anyway, we talk about it all the time, all the evidence proves that if you don't use the joker brokers, you'd make more money just buying the index. Listen to this episode as we give our advice and some tips on what to do when the steak shows up! And, if you have any questions, we are more than happy to answer them. Just reach out to info@renovatingretirement.com, anytime! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We are back for the final installment in this series! We have been reviewing an article that came out ten years ago with a similar title to our podcast episode. And this is the fourth in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. If you haven’t watched the first three in this series, you can watch those before this one to get caught up! Today we are focusing on numbers three, two and one. #3 is “Guarantees are not calculated annually*”, #2 is “All of the above can be changed by the company” and #1 is “The risk is shifted back to the insured.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate… and frankly, just don’t make much sense. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to bobby@renovatingretirement.com, and we’re happy to share! Here is the article we have been reviewing: https://infinitebanking.org/the-top-10-reasons-not-to-buy-equity-indexed-universal-life/ For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

We are back to continue our review of an article that came out ten years ago with a similar title to our podcast episode. And this is the third in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. If you haven’t watched the first two in this series, you can watch those before this one to get caught up! Today we are focusing on numbers six, five and four. #6 is “Dividends from the index don’t get credited*”, #5 is “Participation ratios are often less than 100%*” and #4 is “Returns are usually capped at various interest rates*.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to bobby@renovatingretirement.com, and we’re happy to share! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from, and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

Ten years ago, an article came out with a similar title to our podcast episode. And this is the second in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. Today we are focusing on number eight and number seven, we’ve been counting them down. #8 is “Market drops cause double pain” and #7 is “Late premiums kill any guarantees.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to bobby@renovatingretirement.com, and we’re happy to share! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from and be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

Ten years ago, an article came out with a similar title to our podcast episode. And this is the first in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. Today we are focusing on number ten and number nine, counting it down. #10 is “Internal costs are not guaranteed” and #9 is “Mortality charges are not guaranteed.” Listen as we explain what is meant by these “guarantees.” We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to bobby@renovatingretirement.com, and we’re happy to share! For more info, episodes, and notes, head on over to https://renovatingretirement.com Thanks for listening, and please subscribe to or follow the podcast wherever you get your podcasts from. And be sure to share with your friends and family as well. Thanks again! About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.

For the second episode of the series Cash Flow & Investment Strategies for Real Estate Investors, Charlie Jewett and Bobby Alford dive deeper into equity, the most misunderstood asset class in the financial industry. Home equity As discussed, home ownership is the biggest asset in people’s lives. If that home ownership develops into an asset class, then that becomes the most held asset, and that asset is equity. Home equity or equity in real estate is defined as the difference between the value of the house and what you owe. How do you put this home equity to work for you? Two ways to be debt-free: Traditional vs balance sheet method Traditional method says be liability-free and that you should pay off your mortgage as fast as you can because mortgages are bad. These strategies come from only looking at one half of the equation and not the other half that is looking into the opportunity cost of the money – every dollar you choose to put into that home to save that cost over 30 years is a dollar that cannot compound interest over the same 30 years. This model stemmed from the Great Depression when many people were kicked out of their houses even though they had made each and every mortgage payment. But the landscape of the mortgage industry had changed since then and debt did not become evil but instead a way to leverage yourself into wealth. The other way to be debt-free on anything is to have a liability and to have all the money to pay it off when you want to. In the balance sheet method, debt that you can afford to pay off is good. Instead of paying a big down payment, why not invest the money in your account where it compounds interest. In short, build up your assets, not pay down your debt because debt is good. The balance sheet method says if you're allowed, owe as much as you can and put it in an equity savings account, earning more than what it is costing you. Leveraging your home value In an equity savings account, leveraging your home value - your largest asset – and putting it to work for you becomes a game changer in retirement and wealth creation. With proper equity management or proper use of real estate, you could have four increasing incomes for one fixed payment where you're paying the fixed payment with depreciating dollars. Plus, the IRS is incentivizing you to do these things, and they will reward you in tax savings, mortgage interest write-offs and depreciation, recouping the value of assets over time from your taxes. The main risk in paying your house in full is that the money you used is not earning compound interest. It's in the walls of the house and not invested anywhere and you only earn interest based on the appreciation of the value of your home. Meanwhile, the lowest you pay a property down to, you permanently lower the tax-deductible mortgage you are allowed to have on that house Ultimately, you either end up with all the money in the house or end up with a whole bunch of money in an account earning interest and saving. You could pay off your mortgage but you chose not to, so where do you want to end up? Where should your equity dollar be? About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients. Web/Social Links Website: https://renovatingretirement.com

Charlie Jewett and Bobby Alford kick off a series on cash flow and investment strategies for real estate investors. Familiarize yourself with the basic concepts and learn about advanced strategies in the subsequent episodes. Who is the real estate investor? If you own a house – regardless of whether you live in it or you are using it as a source of cash flow – you are a real estate investor. A house is the largest asset in people’s lives because it appreciates. Most of the things we buy to make our lives comfortable depreciates. Cars, for example, do not have equity because they do not appreciate. Some people just see a home as a place to live, not realizing that leveraging on it can easily be your ticket to early retirement and financial freedom. Why invest in real estate? Aside from realizing a part of the American Dream, owning your home is an enjoyable experience. Creating your own environment and being able to make it the way you want it, as opposed to renting, makes it a fun giant art project. More importantly, it is an asset that appreciates. The pandemic changed the real estate value in different ways and the last 9 to 12 months saw a huge growth in appreciation of the real estate market. Appreciation, simply put, is what we all know as investing: buy it, hold it and wait for the long haul and see its value go up. Learn about different strategies to leverage on real estate appreciation and get the most out of your investments. Tax savings and depreciation With real estate, whether you live in it or rent it, fundamentally there's appreciation. On the other hand, depreciation or tax savings comes from the IRS rewarding you for buying a property and is another way that real estate can make you money or provide you advantage. The government allows homeowners to count interest they pay on a loan related to building or purchasing a home against their taxable income, lowering the taxes they owe. Part 2: Income Saving money on taxes is a form of income. Reduction of bills is income. Income can be one room in your house rented, buying more units in the same property or buying properties in different locations in different states. A real estate investor is someone who owns any piece of property in any form that may create income or increase in value. And for most of us, it's our primary residence. How can you live for free while maintaining cash flow from your properties? You will know all about house hacking to achieve that financial independence for your early retirement. We will talk about the different advanced strategies in the next episodes so you can choose and pick what you like. How big a down payment should you make? Should you make a down payment at all? Should you ever do extra payments? Should you do a 15-year fixed or 30? When your house appreciates, what do you do? Is the goal to pay off the house and own it free and clear? About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients. Website Please Rate and Review the Show HERE

The last thing that I want to teach you this year is when and why to NOT grow your accounts. Wait...since when is NOT growing your account value a good idea? Well, when there are two accounts, and the IRS only charges taxes on the lower one.....see where I'm going with this? You are going to love this strategy and I'll also introduce you to Bobby Alford who is the very first CMP (Certified Merit Planner) graduate from our new Renovating Retirement College. Just another strategy that may cut your taxes in half! Please Rate and Review The Show HERE About Charlie Jewett Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle. About Bobby Alford Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients. Website: https://renovatingretirement.com

How do you get a dog to take that pill that you KNOW will create the healing that dog so desperately needs? Hide it in peanut butter baby! As I write my book "Peanut Butter Marketing" I thought I'd share a little of my "Secret Sauce" on how I've been able to help families make major financial decisions over the years. It's really hard for people to move giant sums of money to a stranger...but...if I take the time to make it so perfectly clear, and make the decisions obvious using comparisons, it works out better for everyone. This way, the "Ice Cream" way, people allow themselves to receive the financial health they so desperately want and deserve. Listen in...let's have some Ice Cream, Whipped Cream, Cherries and Chocolate together. Please Rate and Review The Show HERE

The Stock Market, stock, bonds and mutual funds, is by far the most common place that I see Americans using as they attempt to grow their retirement accounts. Though it pays the lowest income, compared to the alternatives, it is also the most common place that I see Americans using to invest their money while actually in retirement taking income from their accounts. Yet I have met no one in eighteen years who actually knows the math of how the market moves and this always comes as a real shocker when people learn it for the first time. In this episode I'm going to teach you the math of the market so that you can choose whether or not you want to follow the crowd and limit yourself to just this one high risk, low income, investment option. Please Rate and Review The Show HERE

How hard is it to buy things that have no cost at all and don't reduce your net worth? If you buy an $8 dinner, you're out $8 and can't earn interest on that money anymore. If you transfer $200,000 from inferior investments to superior investments it costs NOTHING but most people don't have the courage to make changes to their investments. Why is that? Let's talk about the TRUE cost of moving money. Please Rate and Review The Show HERE

None of my clients experience losses followed by dead time only to get back to the same account value they had 5, 6 or 7 years ago. Is that good or bad? Listen in and find out if being in recovery is good for you or bad for you in this case. Please Rate and Review The Show HERE

What do drugs have in common with the stock market...at least in the last twenty years? If you said "Both can feel good in the short term but hurt you in the long run" you'd be right! Since all of the modern, more up to date, financial tools and strategies provide more growth, and more income, than the stock market...wouldn't it make sense to begin to break this addiction we have? Here's a bit of an audio intervention for you to begin that process. Please Rate and Review The Show HERE

Wait, what? How can taxes be awesome? Oh...in so many ways! This is the final episode of my four part mini-series. Listen in as I discuss how taxes are an asset and all of the ways to take control of the taxes in your life, lower them and optimize them. Please Rate and Review The Show HERE

You don't need the market to go up, or have a good twenty to thirty years, to set yourself up for an amazing life in retirement. As a matter of fact earning a rate of return is not even necessary for retirement! Don't believe me? Listen in as I cover three retirement tools that don't require earning a rate of return at all. Please Rate and Review The Show HERE

I am certainly not anti-safety but I do have an issue with what this industry tells people to do....to be "safe". Emergency funds not keeping up with inflation, idol equity sitting inside of homes not earning compound interest and the big one: only using securities and calling that "diversification" all hurt today's retirement plans. Listen in as I do a deep dive on what we call safety and how to actually have what you want. Please Rate and Review The Show HERE