Average Joe Finances

Send us a text Join us on Average Joe Finances as our guest Alex Filipuk shares about his journey from Belarus to becoming the founder of Ideal Siding, the largest siding franchise in the United States and Canada. Alex shares his experiences of moving across countries, starting his business from scratch in Vancouver, and scaling it to a successful franchise. They discuss the differences between typical franchises and high-ticket franchises, the importance of management and leadership for business owners, and the major challenges new franchisees face. Alex also provides valuable advice for aspiring franchise owners, including key questions to ask before starting a franchise and the importance of being prepared for change in a rapidly evolving market. In this episode: Key Moments: 00:00 Introduction and Welcome 00:54 Guest Introduction: Alex's Journey 01:23 Building a Business from Scratch 04:43 Franchising and Expansion 20:26 Challenges and Phases of Growth 29:10 Final Round: Insights and Advice 37:05 Closing Thoughts and Farewell Find Alex Filipuk Website: https://idealsiding.com/ LinkedIn: https://www.linkedin.com/in/idealsiding/ Facebook: https://www.facebook.com/ideal.siding.franchising Instagram: https://www.instagram.com/ideal_siding/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Dr. Axel Meierhoefer shares his remarkable journey from serving in the German Air Force to becoming a successful real estate investor and mentor. He discusses his transition to the United States through an exchange program with the US Air Force, his stint in the corporate world, and his eventual dive into real estate investing. Key insights include his approach to buying out-of-state investment properties, the importance of due diligence, and the value of mentorship in real estate. In this episode: Key Moments: 00:00 Introduction and Welcome 00:56 Meet Dr. Axel Meierhoefer 01:38 Dr. Hofer's Journey from Germany to the US 05:11 Discovering Real Estate Investing 18:29 Navigating the 2008 Financial Crisis 24:26 The Importance of Due Diligence in Real Estate Investing 24:46 Challenges and Realizations in Early Investments 26:12 Investing Out of State: A Strategic Approach 28:06 Discovering Turnkey Real Estate Investing 30:44 The Ideal Investor Show and Its Impact 32:46 Final Round: Insights and Reflections 43:57 Final Thoughts and Closing Remarks Find Axel Meierhoefer Website: https://tinyurl.com/iwg-strategy LinkedIn: https://www.linkedin.com/in/ameierhoefer/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Kevin Steuer, a seasoned investor with a passion for technical analysis and modern AI. Kevin shares his journey from early investing influenced by his grandmother, through various investment strategies, to ultimately purchasing and revamping a technical analysis website, stockta.com. The discussion delves into Kevin's disciplined approach to trading, the importance of lifelong learning, and the pitfalls of emotional decision-making in the stock market. Kevin offers insights into the tools and resources available on his site, emphasizing the need for a solid framework and informed risk-taking in trading. In this episode: Key Moments: 00:12 Kevin Steuer’s Investing Journey 01:24 Building and Rebuilding the Site 04:20 Using the Site for Trading 04:32 The Reality of Trading Against Algorithms 07:59 Trend Scores and Confluence System 14:00 Advice for New Traders 20:26 The Turning Point: A Commitment to Financial Awareness 20:39 Trading to Pay Off Student Loans 21:00 The Risks of Trusting Financial Planners 21:57 Market Reactions and Human Psychology 22:57 The Importance of Staying Informed 23:12 Navigating Political Impacts on the Market 26:59 The Final Round: Insights and Lessons Learned 27:15 Biggest Financial Mistake and Lessons Learned 31:10 Tips for New Traders 33:50 Favorite Books and Final Thoughts 35:16 Where to Find More Information 38:25 Final Thoughts and Farewell Find Kevin Steuer Website: https://stockta.com/ Youtube: https://www.youtube.com/@StockTA LinkedIn: https://www.linkedin.com/in/kevin-steuer-b65aa433b/ Instagram: https://www.instagram.com/stocktacom/# Facebook: https://www.facebook.com/StockTAcom/ Discord: https://discord.com/invite/suMH9PJHWM Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Ben Reinberg, a seasoned commercial real estate investor with over 32 years of experience, shares the story of his career, discussing the various niches within commercial real estate, with a particular focus on medical office spaces. He talks about his new book, 'Hard Assets and Hard Money for Hard Times,' which serves as a guide to building a hard asset empire. Ben delves into the importance of hard assets in creating generational wealth, the benefits of AI in real estate, and the lessons learned from the 2008 financial crisis. In this episode: Key Moments: 00:59 Meet Ben Reinberg: Commercial Real Estate Expert 02:14 The Journey to Writing 'Hard Assets and Hard Money for Hard Times' 05:33 Why Commercial Real Estate? 09:42 The Impact of AI on Commercial Real Estate 15:01 The Importance of Relationships in Real Estate 16:48 Why Hard Assets Matter 19:34 The Challenges of Building an Empire 20:15 Affordable Financial Blueprint 20:46 Weathering Economic Storms 21:52 Conservative Investment Strategies 27:31 The Importance of a Good Team 28:08 Final Round: Lessons and Tips 31:37 Where to Find More Information 32:59 Final Thoughts and Farewell Find Ben Reinberg Website: https://www.benreinberg.com/ Youtube: https://www.youtube.com/channel/UCN-VuewtdVrFwlOrTsNbxGA LinkedIn: https://www.linkedin.com/in/benreinberg/ Instagram: https://www.instagram.com/therealbenreinberg/ Facebook: https://www.facebook.com/TheRealBenReinberg/ Tiktok: https://www.tiktok.com/@therealbenreinberg X: https://x.com/realbenreinberg Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Athena Brownson, a real estate professional who transitioned from a career as a professional skier, shares her incredible life story, starting from growing up in a ski-centric family in Breckenridge, Colorado, to becoming a professional skier, undergoing multiple injuries, and finally finding her calling in real estate. Athena discusses the importance of discipline, balance, listening to mentors, consistent daily activities, and intentional networking in achieving success. This episode offers valuable insights for anyone looking to excel in real estate or any entrepreneurial venture, emphasizing the role of mentorship, the art of listening, and the importance of self-care. In this episode: Key Moments: 00:55 Meet Athena Brownson 01:36 Athena's Early Life and Skiing Career 03:02 Lessons from Skiing to Real Estate 04:28 Overcoming Injuries and the Value of Coaching 06:11 Transition to Real Estate 15:12 The Importance of Mentorship 19:37 Intentional Networking 26:54 Building an Authentic Daily Routine 27:47 Tracking and Evolving Your Greatness Tracker 28:13 Delegation and Understanding Strengths 29:05 The Importance of Basics and Discipline 31:32 Handling Unexpected Challenges 36:30 Maintaining Consistency in Real Estate 40:09 Final Round: Personal Insights and Advice 46:45 Closing Thoughts and Contact Information Find Athena Brownson Website: https://athenabrownsonrealtor.com/ LinkedIn: https://www.linkedin.com/in/athenabrownsonrealtor/ Instagram: https://www.instagram.com/athenabrownsonrealtor Facebook: https://www.facebook.com/AthenaBrownsonRealtor Zillow: https://www.zillow.com/profile/AthenaBrownson Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Colton Pace, shares his journey from growing up on a ranch in Dallas, Texas to founding Ownwell, a startup aimed at reducing home ownership costs. Colton discusses how Ownwell helps homeowners and real estate investors save on property taxes, insurance, and utility bills. He also delves into the company's unique contingency fee model, how local expertise is crucial for property tax appeals, and the importance of financial planning through detailed expense tracking. Colton shares insights from his experience working for a billionaire, highlighting the significance of analyzing each expense to maximize returns. In this episode: Key Moments: 01:13 Meet Colton Pace: From Ranch Life to Real Estate 02:27 The Mission of Unwell: Reducing Real Estate Costs 03:27 Importance for Real Estate Investors 07:07 The Eye-Opening Moment: Property Tax Savings 11:20 Utility and Insurance Savings 13:09 Biggest Savings and Success Stories 15:47 Challenges and Benefits of Using Unwell 17:32 The Importance of Time Management for Real Estate Investors 18:18 Introducing the Unwell Team and Their Expertise 19:55 Geographical Reach and Market Operations 21:37 Financial Planning and Expense Management 24:14 Final Round: Colton's Insights and Advice 30:19 Connecting with Colton and Final Thoughts Find Colton Pace Website: https://www.ownwell.com/ LinkedIn: https://www.linkedin.com/in/coltonpace/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest George Otel, an immigrant and business owner who transitioned from owning a trucking company to founding US Business Funding, shares his journey from truck driving to real estate investing and focuses on the significance of building a strong team, understanding financing, and the opportunities in commercial real estate. He emphasizes the importance of preparation, patience, and leveraging relationships for success. George also offers insights on effective networking, the benefits of SBA loans, and provides advice for new entrepreneurs. In this episode: Key Moments: 00:00 Introduction and Welcome 02:03 Meet George Otel: From Trucking to Real Estate 04:09 Diving into Commercial Real Estate 05:43 The Importance of a Strong Team 10:14 Financing Strategies for Business Owners 19:01 George's Real Estate Journey and Insights 21:50 The Importance of Networking in Real Estate 23:06 Building Trust and Relationships 24:09 The Necessity of Pre-Approval 25:10 The Role of Preparation and Reputation 28:51 The Value of Patience and Rational Decisions 31:01 Exploring Franchise Opportunities 32:14 Final Round: Lessons and Tips 39:50 Where to Find More Information 41:27 Conclusion and Farewell Find George Otel Website: www.usbizfunding.net Facebook: https://www.facebook.com/George.Otel LinkedIn: https://www.linkedin.com/in/georgeotel/ Instagram: https://www.instagram.com/georgeotel/ Twitter: https://twitter.com/george_otel Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Larry Kriesmer and Bernard Surovsky discuss their innovative approach to investment management. They delve into their investment strategy, which evolved from their experiences during market downturns in the late 1990s and 2008, leading to the creation of their trademark 'Synthetic Equity' and the launch of their ETF (SNTH). The discussion covers the technical aspects and advantages of using options and treasuries to manage risk while achieving high returns. The episode also features personal anecdotes, including their experience of ringing the bell at the New York Stock Exchange In this episode: Key Moments: 00:59 Meet Larry and Bernard 01:35 Growing Up in Different Worlds 03:41 Investment Philosophy and Early Experiences 06:13 The Measured Risk Portfolio Approach 08:12 Managing Market Volatility 21:40 Synthetic Equity Explained 25:06 Risk Aversion and Investment Strategies 26:41 Introduction to Synthetic Equity and ETF 26:58 Launching the ETF and Ringing the Bell 27:55 The Experience of Ringing the Bell 33:25 Final Round: Financial Mistakes and Lessons Learned 41:32 Final Thoughts and Advice for Investors Find Larry and Bernard Website: https://www.measuredriskportfolios.com/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Mike Ivany to discuss his diverse background in law, marketing, finance, and investment. Mike Ivany shares his journey from working at Homeland Security to starting a law practice, diving into marketing, and ultimately working in finance and alternative investing. The conversation delves into the dynamics of the AI market, the future of companies like TikTok, SpaceX, and ByteDance, and how AI is reshaping investment strategies. In this episode: Key Moments: 00:55 Guest Introduction: Mike Ivancie 01:28 Mike Ivancie’s Background and Career Journey 02:42 Transition to Marketing and Finance 03:19 Current Role and Market Trends 05:55 AI and Private Markets Discussion 11:40 Impact of AI on Investing 16:31 Introduction to Upmarket 23:08 Understanding Private Market Investments 23:47 Pre-IPO Investment Checklist 24:21 Accredited Investor Qualifications 27:12 Popular Pre-IPO Companies 29:31 Employee Liquidity in Private Companies 32:35 Final Round: Financial Wisdom 42:39 Final Thoughts and Resources Find Mike Ivancie Website: https://www.upmarket.co/ LinkedIn: https://www.linkedin.com/in/ivancie/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Chad Ackerman about his remarkable journey from a corporate HR professional to a successful real estate syndicator and business coach. Chad shares his personal story, detailing how he transitioned from his W2 job and navigated the challenges of the real estate investment world. He discusses his initial mistakes, the importance of having clear goals, and the strategies he employed to achieve financial independence. Chad also touches on the significance of due diligence, community involvement, and overcoming imposter syndrome. In this episode: Key Moments: 00:56 Meet Chad Ackerman 01:33 Chad's Real Estate Journey Begins 03:24 First Investment Lessons 04:30 Building a Real Estate Community 05:37 Partnership with BiggerPockets 06:15 Transition to Business Coaching 10:12 Importance of Due Diligence 16:00 Defining Your Buy Box 18:18 Overcoming Imposter Syndrome 19:46 Leveraging Coaching Skills for Investment Success 20:09 Overcoming Financial Hurdles with Tribe Vest 20:51 The Importance of Accountability in Achieving Goals 21:17 Mentors vs. Coaches: Understanding the Difference 22:05 Alternative Investment Strategies and Education 24:05 Chad's Journey from HR to Business Coach 28:33 Final Round: Insights and Reflections 34:08 Closing Thoughts and Final Advice Find Chad Ackerman Website: https://chadackerman.focalpointcoaching.com/ Linkedin: https://www.linkedin.com/in/chad-ackerman-8089a8a/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Brian Truman, a seasoned professional with an intriguing career trajectory. From starting as a sports broadcaster, transitioning to a 22-year-long career in government contracting, to owning the largest business brokerage in Nashville, Brian shares his journey. He emphasizes the importance of relationships over transactions in the real estate business, discusses the thriving multifamily market in Nashville, and offers advice for newcomers looking to delve into multifamily real estate investing. Brian's insights on the significance of networking, continuous learning, and taking action in real estate investing provide valuable takeaways for both novice and experienced investors. In this episode: Key Moments: 00:54 Guest Introduction: Brian Truman's Background 01:26 Transition to Real Estate: From Broadcasting to Brokerage 01:58 Selling the Business and Moving into Real Estate 02:56 Commercial Real Estate and Business Brokerage 06:43 Multifamily Real Estate Focus 15:56 Why Nashville? 21:07 The Importance of Relationships in Real Estate 25:08 Straight Shooter Broker Insights 26:45 Multifamily Real Estate for Everyone 27:30 Getting Started in Real Estate Investing 30:13 The Importance of Due Diligence 39:12 Final Round: Personal Insights 44:15 Contact Information and Final Thoughts Find Brian Truman: Website: https://accelcre.com Linkedin: https://www.linkedin.com/in/brian-truman-1164418/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Carlos Samaniego, discusses his transformative journey from a young EMT making financial mistakes to becoming a tax debt consultant. Carlos recounts how bad advice led him to claim excessive tax exemptions, resulting in a significant IRS debt and years of unfiled taxes. This tumultuous experience inspired him to help others navigate tax issues, ultimately leading to the founding of his company, Tax Debt Consultants. Carlos shares valuable insights on dealing with IRS debt, the importance of immediate action, and the role of tax professionals in safeguarding against compounded interests and penalties. In this episode: Key Moments: 01:35 Meet Carlos Samaniego: A Journey from Military to Tax Professional 02:12 The Tax Mistake That Changed Everything 04:00 The Road to Tax Debt Consultants 05:56 The Importance of Hiring a Tax Professional 10:33 Understanding Tax Problems and Resolutions 14:01 The IRS and COVID: A Collection Pause 15:32 The Consequences of Ignoring IRS Letters 19:06 Non-Filers: The IRS is Watching 23:25 Success Stories: From Massive Debt to Relief 27:32 Success Stories and Their Importance 28:23 The Offer in Compromise Program Explained 30:37 Negotiating with the IRS: Real-Life Examples 31:57 The Five-Year Probation Period 35:01 Choosing the Right Tax Professional 37:35 Final Round: Quick Fire Questions 44:55 Where to Find More Information 46:58 Closing Remarks and Thank You Find Carlos Samaniego: Speaker Website:https://carlossamaniego.com/ Company Website: https://www.taxdebtconsultant.com/ LinkedIn: https://www.linkedin.com/in/carlossamaniego/ Facebook:https://www.facebook.com/taxdebtconsultant/ Instagram: https://www.instagram.com/jcarlossamaniego/ X: https://x.com/carlossamaniego Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Adi Klevit, an expert in process documentation and optimization, shares her journey from industrial engineering to founding her own business. She delves into the importance of documenting business processes, offering a step-by-step guide on how to start and refine these systems. The conversation covers various aspects such as the mindset needed for process implementation, the significance of delegation, and the benefits of having well-documented procedures. In this episode: Key Moments: 00:59 Guest Introduction: Adi Klevit 01:31 The Importance of Process Documentation 02:45 Challenges in Process Documentation 03:26 Steps to Effective Process Documentation 06:23 Return on Investment and Freedom 11:42 Delegation and Process Mapping 16:21 Mindset for Process-Driven Leadership 17:42 Defining Standards and Processes 18:19 Mindset and Accountability in Leadership 19:07 Visionaries and Process Implementation 21:43 Coaching and Revising Processes 23:31 Starting from Scratch: Overcoming Overwhelm 24:35 The Importance of Processes in Business 26:38 Final Round: Personal Insights and Advice 29:49 Where to Find More Information 31:45 Final Thoughts and Closing Remarks Find Adi Klevit Website: https://bizsuccesscg.com/ LinkedIn: https://www.linkedin.com/in/adiklevit/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Jon Ostenson discusses the benefits and intricacies of non-food franchise opportunities, touching on Jon's journey from the corporate world to launching Fran Bridge Consulting. Jon shares insights into why non-food franchises can be more stable and less complex compared to food franchises, along with tips for prospective franchisees on how to succeed. The conversation also dives into the tax benefits of business ownership, the importance of networking, the value of following a proven system, and the potential for scaling a franchise business. In this episode: Key Moments: 00:56 Guest Introduction: John Ostenson 01:35 Jon's Journey into Franchising 02:53 The Appeal of Non-Food Franchises 04:33 Franchising vs. Starting a Business 06:20 Active vs. Passive Franchise Ownership 07:47 Scaling and Success in Franchising 14:03 Real Estate and Franchising Synergies 18:18 The Importance of Networking in Business 18:38 Tax Benefits for Business Owners 19:20 Changes in Tax Codes and Their Impact 20:06 Leveraging Family in Business for Tax Advantages 20:51 The Value of Professional Tax Assistance 22:20 The Power of Masterminds and Franchise Systems 22:37 Learning from Other Franchisees 24:42 The Risks and Rewards of Business Ownership 25:24 Final Round: Reflecting on Business and Finance 27:12 Tips for Aspiring Franchise Owners 28:01 Finding the Right Franchise Fit 29:06 Recommended Books and Podcasts 30:44 How to Connect with Jon and Learn More 32:30 Final Thoughts and Encouragement Find Jon Ostenson Website: https://franbridgeconsulting.com/ LinkedIn: https://www.linkedin.com/in/jonostenson/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Gian Pazzia an expert in tax and accounting for real estate. They discuss Gian's background, from his family's humble beginnings in Italy to his current role helping businesses and real estate owners find tax savings through cost segregation studies. Gian explains the benefits of cost segregation, how it accelerates tax deductions for property owners, and how even small real estate investors can benefit using his company's cost segregation software. In this episode: Key Moments: 00:00 Introduction and Welcome 00:56 Guest Introduction: Gian Pia's Background 02:58 Journey into Structural Engineering and Tax Accounting 04:52 Understanding Cost Segregation 07:23 Benefits of Cost Segregation for Real Estate Investors 14:34 Cost Segregation Software for Small Investors 26:38 Final Round: Personal Insights and Advice 36:02 Closing Remarks and Final Thoughts Find Gian Pazzia Websites: Kbkg.com CostSegregation.com Facebook: https://www.facebook.com/gianpiero.pazzia/ LinkedIn: https://www.linkedin.com/in/costsegregationservices/ Instagram: https://www.instagram.com/gianpazzia/ Youtube: https://www.youtube.com/@KBKGTaxIncentives X: https://x.com/KBKG Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Sarah Ecklein, a private fiduciary from the Bay Area, California. Sarah shares insights into her profession, the importance of estate planning, and her journey from aspiring hospice nurse to fiduciary. She discusses the complexities of trust administration, the significance of proactive planning, and the emotional and financial impacts of failing to prepare for end-of-life situations. In this episode: Key Moments: 00:00 Introduction and Welcome 00:55 Meet Sarah Eckle: A Private Fiduciary 01:28 Sarah's Journey to Fiduciary Work 02:58 Understanding the Role of a Fiduciary 05:50 The Importance of Estate Planning 08:02 Challenges in Fiduciary Work 10:08 Proactive Planning and Legacy Building 22:03 The Importance of Updating Your Will 23:06 The Impact of Estate Planning on Families 23:54 Communicating Your Estate Plan 26:05 Handling Awkward Conversations About Estate Planning 28:11 Final Round: Personal Finance Mistakes and Lessons 33:22 Advice for Newcomers and Final Thoughts 35:36 Where to Find More Information and Conclusion Find Sara Ecklein: Website: https://www.trustandhonor.co/ Instagram: https://www.instagram.com/themindfulfiduciary/ Facebook: https://www.facebook.com/people/Sara-Ecklein-CLPF/100067625615341/ LinkedIn: https://www.linkedin.com/in/sara-ecklein Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Doug Lynam, a former Benedictine monk turned financial advisor and author, shares his unique life story, detailing his upbringing in an affluent family with financial struggles, joining the Marine Corps, and eventually spending 20 years in a monastery where he had to navigate its financial crisis. Through this journey, Doug developed a keen interest in finance, ultimately leading to a successful career as a financial advisor. He discusses his views on effective money management and introduces his latest book 'Taming Your Money Monster,' which combines the Enneagram personality system with financial behavior analysis. In this episode: Key Moments: 00:00 Introduction and Guest Welcome 00:33 Doug Leham's Early Life and Family Dynamics 01:29 Journey to the Marine Corps and Monastery 02:14 Financial Awakening and Monastery Bankruptcy 04:32 Building a Financial Advisory Firm 08:06 The Enneagram and Money Monsters 11:27 The Four Pillars of Financial Success 13:36 Understanding the Enneagram Types 19:21 Transitioning Between Achiever Categories 19:48 The Value of a Good Enneagram Test 20:48 Understanding Money Relationships 22:05 Doug's Journey from Monk to Financial Advisor 23:11 The Final Round: Doug's Financial Insights 28:26 Doug's Recommended Reads 31:14 Where to Find More About Doug 32:58 Final Thoughts and Farewell Find Douglas Lynam: https://www.douglynam.com/ https://www.instagram.com/douglynam/ https://www.linkedin.com/in/doug-lynam/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Ken Gee, founder and managing partner of KRI Partners, shares his inspiring journey from growing up in Toledo, Ohio, working as a CPA and commercial lender, to becoming a successful real estate investor. Ken discusses his transition from a corporate job to real estate due to the desire to spend more time with his family and avoid corporate pitfalls. In this episode: Key Moments: 00:00 Introduction and Welcome 00:59 Meet Ken Gee: From CPA to Real Estate Mogul 02:20 The Aha Moment: Balancing Work and Family 03:33 First Steps in Real Estate: Learning the Hard Way 10:46 Strategic Decisions: Selling and Reinvesting 12:38 Partnerships and Mentorship: Finding Your Gary 14:41 Evolving the Business: From Syndications to Funds 16:13 Why Florida? Strategic Market Choices 18:17 Analyzing Market Trends 18:47 Overcoming Barriers to First Deals 21:59 Mindset and Visualization 24:21 Biggest Business Mistakes 26:38 Advice for Real Estate Beginners 30:26 Final Thoughts and Resources Find Ken Gee: Website: https://www.kripartners.com/ LinkedIn: https://www.linkedin.com/in/geekennetha/ Facebook: https://www.facebook.com/people/Ken-Gee-KRI/100086519510719/ YouTube: https://www.youtube.com/@KenGee_KRI Instagram: https://www.instagram.com/kengee_KRI/ Twitter: https://twitter.com/i/flow/login?redirect_after_login=%2Fkengee_kri TikTok: https://www.tiktok.com/@ken_gee_kri?lang=en Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Richard Wilson, founder of the Family Office Club, shares insights on building an investor club and integrating AI tools to optimize investment processes. He details his journey into finance, starting businesses from a young age, and developing a blog that grew into a major platform for ultra-wealthy investors. Richard discusses the importance of in-person networking, focusing investments in familiar industries, and the value of advice from highly successful individuals In this episode: Key Moments: 00:54 Meet Richard Wilson: Founder of Family Office Club 01:33 The Power of In-Person Networking 03:43 Richard's Entrepreneurial Journey 06:35 Current Business Focus and AI Innovations 07:53 AI Tools for Investors 15:45 Family Office Club and Investor Club Details 17:56 Final Round: Mistakes and Lessons Learned 22:29 Tips for Aspiring Investors and Entrepreneurs 24:42 Recommended Books and Resources 26:18 Closing Remarks and Contact Information Find Richard Wilson: Website: https://familyoffices.com/ Facebook: https://www.facebook.com/familyofficeclub LinkedIn: https://www.linkedin.com/in/singlefamilyoffice/ Instagram: https://www.instagram.com/familyofficeclub/ Youtube: https://www.youtube.com/@familyofficeclub/ X: https://x.com/RichardCWilson Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show

Send us a text Join us on Average Joe Finances as our guest Kevin Guttman, a seasoned reverse mortgage professional. Kevin shares his journey from managing his father's rental properties at a young age to entering the mortgage industry in 2004. He discusses the evolution of reverse mortgages, highlighting crucial changes made in 2015 to protect homeowners. Kevin explains the advantages of reverse mortgages for retirees, emphasizing the importance of financial education and multiple income streams In this episode: Key Moments: 00:56 Meet Kevin Guttman: Reverse Mortgage Expert 01:20 Kevin's Journey into Real Estate 02:36 The Power of Real Estate in Building Wealth 04:50 Reverse Mortgages: An Overview 07:32 Regulations and Changes in Reverse Mortgages 11:04 Client Success Stories and Impact 14:07 Unlocking Equity and Financial Freedom 17:36 Diversifying Income Streams 19:05 The Reality of Retirement 19:50 Educating the Next Generation 21:33 Options for Aging Parents 22:57 Understanding Reverse Mortgages 24:56 Lessons from Financial Mistakes 29:59 Valuable Resources and Recommendations 31:20 Final Thoughts and Farewell Find Kevin Guttman: Website: https://heromortgageloan.com/ Facebook: https://www.facebook.com/LenderYouCanTrust/ Instagram: https://www.instagram.com/kevin.guttman LinkedIn: https://www.linkedin.com/in/kevinguttman/ Youtube: https://www.youtube.com/@KevinGuttman Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com About Tawnya: https://www.themoneylifecoach.com/ Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Support the show