Your Wealth & Beyond: Secrets of Successful Entrepreneurs

From the 1950s through the 1970s, most Americans found a job, then stuck with it for 30 or 40 years. When they retired, they received a pension, and it provided them with a guaranteed income for life. However, in the late 1970s, the 401(k) replaced pensions - and changed that forever. Now, many of us constantly change jobs, and can amass multiple 401(k) accounts in the process. They can be scatter...

Deepak Shukla is the founder and CEO of Pearl Lemon - an award-winning SEO agency that outranks bigger, better-funded competitors. He's a leader in helping people grow their businesses and cultivate online reputations, and his work has been featured in TedX talks, as well as on SEMRush, the Huffington Post, UpWork, and Woorank. However, his journey to get there will surprise you - and includes the...

You can't legally get away from paying taxes - it simply isn't possible. However, if you live in Arizona, like I do, and you want to help make sure that your tax dollars are going to a good place, you have a number of wonderful ways to do exactly that.  In fact in the state of Arizona, if you're a joint filer, you have the potential to receive dollar-for-dollar credits of up to $4,800 - and this c...

Chris Ronzio is a serial entrepreneur. As the founder and CEO of Trainual , he helps small and growing businesses document what they do, delegate roles, and create scalable operations manuals to centralize and teach their processes, roles, and responsibilities. Before founding Trainual, Chris learned how to build and sell smart, scalable businesses, including a video production company he founded...

As planners, advisors, and CPAs, we all know that the Health Savings Account is the best retirement account out there. If you're not contributing to one, you need to ask yourself - or your financial planner - why not, especially if you're a high income individual or a business owner who has a high-deductible health insurance plan. The HSA is the only retirement account that offers the triple whamm...

Many healthcare decisions were made for you by your parents as a child and your employer as a working adult. However, once you turn 65, you're suddenly eligible for Medicare - and there are many options, as well as mistakes you can make. One wrong decision can lead to financial penalties for life, and having insufficient coverage can completely derail your retirement plan. Worse yet, there are cou...

This is Part 3 in our three-part series about Required Minimum Distributions. If you missed the previous two, click here to listen to Part 1 and click here to listen to Part 2 , where we discussed the basics of RMDs and big-picture strategies to help you reduce them. Now, we're going to help you answer a huge (and tricky) question: What should you do when you inherit a retirement account? Whether...

In 2018, security and cyber breaches are no longer a matter of if - they're a matter of when, and how protected you are. In fact, most people have already had some portion of their data or personal information compromised, but don't yet know it. Dan Konzon is the Vice President of Guidance and Information Technology at Advisor Armor - a cybersecurity firm especially for financial firms. Additional...

One of the goals of the Your Wealth & Beyond podcast is to arm you with the information to make sound decisions to build your retirement - and decumulate those assets to give you the income you need along the way. Because we've received more questions about required minimum distributions (RMDs), we're tackling this issue across 3 episodes. If you missed it, click here to listen to Part 1 , where w...

Over the years, we've received more questions about Required Minimum Distributions (RMD) than just about anything else - and because there's so much information out there, I'm tackling this topic in a three-part series. In today's episode (Part 1), I dive into the basics of the required minimum distributions, how they relate to your IRA, Roth IRA, and 401(k), as well as how to calculate this amoun...

As the owner of a financial planning firm that has helped hundreds of families plan their retirement, it's clear that many people overlook how Social Security can fit into their financial and income planning puzzle - and there's a lot of misinformation out there. A lot of so-called "financial advisors" or CPAs don't educate their clients about the pros, cons and specific options that are available...

Most people aren't born great leaders. However, there's one organization that often produces incredible entrepreneurs and startup power players in the private sector - the Navy SEALs - and Jeff Boss is living proof. After serving as a SEAL for 13 years, Jeff uses the principles he learned to help people build businesses, become better leaders, and find their purpose through leadership and team coa...

If you're a business owner or a solo entrepreneur, you have a variety of options when it comes to planning your retirement, paying your taxes, and avoiding penalties along the way. With over 25 years' experience working with business owners and CPAs, Brian Hartstein , Director of Corporate Development at Bayntree Wealth Advisors , helps his clients utilize their pre-tax dollars as effectively as p...

In 2010 Michael Messinger faced an extraordinary challenge; continue his successful career at a large institutional financial firm that paid well, provided fantastic benefits and gave him the flexibility to control his schedule or leave it all behind to start his own firm Redwood Investment Management. Based in Beverly Hills, CA  and working almost exclusively with financial advisors, Redwood now...

No matter what kind of business you run, finding your purpose - and bringing your company into alignment with it - is key to long-term, sustainable success. Adam Goodman knows this better than almost anyone else. As the 3rd-generation leader of Goodmans Interior Structures, he initially had no desire to become part of the family business - but then realized that he could do more than just sell cub...

As you grow your firm, there's a very good chance that you will eventually need to reach out to your community—or the whole world—in order to find great clients. That's where PR comes in, and few people know more about PR than Alana Kohl. After working for a Fortune 500 company and a career in corporate finance, she used her know-how and talent to succeed in large-scale national marketing campaign...

At some point in your life, you will face a fork in the road: do you want to stay on a career track that simply pays you, or do you want to follow your true passion, build something of your own, and write your own story?   Melissa L. Hart did just that. She mastered human resources working at Fortune 50 companies all over the United States, then quit to start her own firm, The HumanVantage® Consul...

Few people live and breathe accounting like Liz Mason. She graduated college early and got her CPA by the age of 22, then spent several years in the corporate world. During this time, she learned how to automate some of the most grueling tasks that occupied so many accountants' time, then discovered her vision to make people truly enjoy - rather than dread - accounting. At High Rock Accounting, Li...

At some point in their history, virtually every successful company has needed to raise money—and there are now more ways than ever to do it. Do you rely on your friends and family? Do you bring in outside investors? If so, who? Are you looking for an infusion of cash, or a long-term partner to help you grow and sustain your vision? Kevin Fechtmeyer knows these tough situations and questions very w...

The Tax Cuts and Jobs Act of 2017 is the most sweeping overhaul of the US tax code since 1986. While its creators insist that it's going to make filing easier for many Americans; the bill itself is hugely complicated, changes what benefits you may be eligible for and has led to some surprising outcomes. To help you navigate the new legislature as we gear up for tax season, Jeffrey Levine, CEO and...

Intellectual property law can be scary – but it doesn't have to be. In fact, just a few hours of an expert's time can protect you from costly legal headaches down the line, and no one knows this better than Suzann Moskowitz.   Suzann is the Founder of The Moskowitz Firm , a boutique law firm specializing in helping individuals and businesses protect their intellectual property – trademarks, brandi...

Why is it that some websites rank on page #1 of Google, while others  fail to get attention and attract an ideal audience? Today, you're going to find out! In this podcast interview, you'll learn: The biggest digital marketing mistakes entrepreneurs are making and how you can avoid and/or fix them! A 6-part SEO framework to improve your Google website ranking, increase credibility and position you...

There's no question that technology has the ability to help us create solutions that improve how we operate and do business.   In this podcast interview, you'll learn: How technology can help you streamline, scale & serve your clients better.   The exact tools that we've used to improve company workflow and take our business to that next level. What you should know about hiring 3rd party tech supp...

As an entrepreneur, you simply cannot do it on your own. You need a skilled team. One that will free you up from wearing a million different hats and can give you the support to finally focus on scaling your business. But how do you hire employees that can take you from where you are to where you need to go? Find out in today's episode! For a FREE Consultation on How to Efficiently and Cost Effect...

Welcome to Your Wealth and Beyond! My name is Andrew Rafal and I am the founder of Bayntree Wealth Advisors. I started this podcast as a way to empower YOU, the entrepreneur, with the insight and information you need to effectively manage and control your personal and professional finances. Far too often as entrepreneurs, we focus so much of our energy on serving our clients, that we neglect to ha...