Every Dollar Counts with Josh & Jay

In this episode, Josh Null and Jay Stubbbs share personal anecdotes and case studies to explore the potential impact of accidents and long-term disabilities on one's ability to work and earn an income. Josh and Jay highlight the significance of protecting income through proper insurance planning, especially for young professionals and those in high-paying, demanding jobs. The discussion also cover...

In this epsiode, Josh discuss why clients should work with his firm and what sets them apart, such as their fiduciary-based approach, years of experience, and ability to cater to clients who have built wealth through entrepreneurship or consistent saving. He also addresses how GCFA can be a good fit for financial advisors looking to go independent or find a succession plan. Enjoy the Show! 3 Key E...

In this episode, Josh Null and Jay Stubbs discuss Jay's experience and role at Providence Partners and Providence Benefits. Jay shares his personal story of how his father's passing and the importance of life insurance influenced his decision to pursue a career in the financial services industry, focusing on the risk management side. He explains his role as an intermediary and advisor to financial...

In this episode, Josh Null and Jay Stubbs explore the complex world of financial services acronyms. Starting with an overview of their roles and backgrounds, they explain the various organizations and terms that industry professionals encounter. They discuss FMOs (Field Marketing Organizations), IMOs (Independent Marketing Organizations), and BGAs (Brokerage General Agencies) and how these differ...

In this episode, Josh Null and Jay Stubbs delve into a step-by-step guide on how financial advisors can introduce risk management to their clients. The discussion is tailored for curious investors and industry producers, whether independent, semi-independent, or captive. Jay emphasizes using real-world "what if" scenarios to help clients understand the importance of risk management related to life...

In this episode, Josh and Jay dive deep into what it truly means to be an independent financial advisor. They discuss the pros and cons, highlighting the flexibility and comprehensive service offerings that come with independence. They also touch on the challenges of establishing a credible brand and building a supportive team around the advisor. Josh shares his journey from being a captive agent...

  In this episode of Every Dollar Counts, hosts Josh Null and Jay Stubbs mark the podcast's return after a nearly two-year hiatus. They catch up on significant career changes: Jay is now an agency owner with Providence Benefits, and Josh has launched his own investment advisory firm, Gulf Coast Financial Advisors. The hosts announce a shift in the podcast's target audience to semi-independent, ind...

As Hank Williams Jr sang, "The interest is up, and the stock market's down.". In this Part 3 of a 3 part mini-series on current market conditions, Josh and Jay discuss the top of mind topic for most consumers right now, inflation. From home goods, construction materials, energy, groceries, transportation, fuel, gas, traveling, heck, even Chick-Fil-A, consumers are dealing with rising costs across...

There's an old investing saying: "Fortunes are made in bear markets and collected in a bull market". In this episode, Josh and Jay discuss the difference between bear markets and bull markets, and why that matters to investors. The guys also discuss the impact of emotion on the market, particularly in the short run, and why that could potentially work in the favor of investors that look at fundame...

From "the next google" stocks, to penny stocks, dot.com stocks, meme stocks, or even crypto, there's typically both social pressure applied to investors to not miss out on the next big thing, but also their own internal feelings of not wanting to "miss" out. This "Fear of Missing Out" or FOMO as it's referred to, typically builds as a bull market is extended and certain investments possibly grow f...

Josh and Jay discuss the different ways to pay for an extended healthcare event, or long-term care as it's commonly referred to. Long-term care events can be one of the biggest destroyers of wealth that a family will encounter. How should you plan for an extended health care event? Should you put money in the bank? In a dedicated investment account? Or should you look at insurance products, and if...

Interest rates are rising, and there are certain plans for the Fed to continue to increase the Fed funds rate. For pre-retirees and retirees looking at the purchase of an income annuity to help fund their retirement, or those folks with a pension backed by an insurance company provided annuity, how does rising rates affect the payout of their annuity? In this episode, Josh and Jay discuss how a ri...

In this episode, Josh and Jay discuss a phrase many investors have heard but may not fully understand: risk tolerance. What is risk tolerance? Why does it matter when you're setting up your investment accounts? How do you determine your risk tolerance? Josh and Jay quickly go thru his company Gulf Coast Financial Advisor's risk tolerance questionnaire to give the listeners a feel for the types of...

In this episode, Josh and Jay welcome Michelle Lee Melton, J.D. , the Deputy Director of Real Estate Asset Management for the City of Mobile. Michelle discusses pursuing her law degree from the University of Denver, and her career path since graduating, including her current role at the City of Mobile. Tune in to learn more about Michelle's experience with contract law, civic service, public/priva...

Laissez les bons temps rouler! Josh and Jay take a break from finance and insurance to welcome everyone a very Happy Mardi Gras! In this episode, they discuss the when and how Mardi Gras originated in Mobile, AL (Surprise! Not New Orleans!). The hosts also describe the parades and balls, and how they relate to the Mardi Gras societies and organizations both in Mobile and over in Baldwin County, es...

It's a story about friendships and relationships and hopefully will bring a smile to your face. Josh and Jay discuss the journey of starting and building the Every Dollar Counts podcast, including the impact the show has had on Josh's financial planning practice, Gulf Coast Financial Advisors, and the building of his brand. Tune into hear the story of how the podcast originated, plus, Josh and Jay...

Josh and Jay discuss the broad impact that Covid-19 has had on life insurance, such as underwriting, the exam process, health ratings, everyday life and more.  Want To Continue The Conversation? You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com , or setting an appointm...

Josh and Jay discuss the different types of Individual Retirement Accounts (IRAs) and how they fit into different situations. The guys discuss SEP IRAs, traditional (sometimes called rollover), Simple IRAs and Roth IRAs. Tune in to learn about how the contributions limits of each type of IRA, the size of your business and your individual needs help you determine which IRA is a good fit. Josh and J...

Josh and Jay dive into Life Insurance Retirement Planning, commonly called LIRP. Living longer, having more years in retirement, potentially rising income taxes and uncertainty in the market are all common reasons that investors look for more tax-efficient and stable income sources in retirement. LIRP is one strategy that can potentially help you not outlive your money in retirement. Tune in to le...

Josh and Jay are joined by very special guest Will Steih, a licensed CPA, Managing Director for the Nashville Market for Prime Capital Investment Advisors and a team mate of Josh's at Gulf Coast Financial Advisors. The guys discuss how to do a personal financial assessment, diving into items like taxes, income, qualified retirement plan contributions, risk management and whether it's time to take...

In the episode, Josh and Jay discuss a topic that is vitality important to the risk management portion of a client's financial plan: disability income protection. Tune in to learn about the differences in group versus individual policies, how coverage is priced, the difference between short-term disability and long-term disability, and some key components that everyone needs to know about their pl...

In the episode, Josh and Jay discuss positive factors affecting the overall stock market valuation and some areas of concern. Tune is to learn more about how technology and unprecedented government spending is having an impact on the equities markets, balancing that with the growing concern of inflation and the Delta variant of Covid. Josh and Jay also discuss why investors in the "retirement red...

In the episode, Josh and Jay discuss Estate Planning and how it applies to a broader range of people than typically assumed. This episode discusses how anyone with assets technically has an estate, irrespective of age or asset value. An Estate Plan is used to manage assets in the event of a death or incapacitation, and can help clear up confusion and conflict with an inheritance. An Estate Plan ha...

In the episode, Josh and Jay discuss the technology platforms used by their respective firms Gulf Coast Financial Advisors and First Protective. While GCFA and First Protective are not affiliated companies, they both have experienced significant growth over the past few years, and both have leveraged technology and platforms to service their growing client base. Josh and Jay discuss not just using...

Listeners, you're in for a treat! Josh and Jay welcome in James Pollard , the Host of the Financial Advisor Marketing Podcast and founder of  TheAdvisorCoach.com . James is a proven expert in the field of helping financial advisors grow their business and get more clients through high level but practically implemented marketing tactics and concepts. James joins us to share his "Man Who Has Helped...