Tag Archives: Your Financial Advocate


Navigating Retirement: Balancing Emotions and Finances with Lindsay Troxwell (Ep 47)

A few key factors determine if a person will have an enjoyable retirement or a sluggish one.

Many seniors worry about loosing their purpose in retirement and being bored, others look forward to the trips and unlimited free time.

In this episode, Greg sits down with Lindsay Troxell, Head Coach of Our Coaching Initiative, to explore the emotional and practical aspects of retirement planning.

Join Greg and Lindsay as they delve into the intricacies of pre-retirement financial planning and the transition into retirement life.

Lindsay discusses:

  • Strategies for managing energy levels to thrive in retirement
  • The importance of addressing emotional concerns during the transition to retirement
  • The role of identity and purpose in retirement planning
  • Resources available for both consumers and financial advisors navigating retirement planning
  • And more!

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30 Day Roadmap to Retirement Readiness Workbook

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About Our Guest:

Lindsay Troxwell is a Certified Life Coach and International speaker changing the landscape of financial services. Since 2005, Lindsay Troxell has worked thousands of teams across the United States and in Europe with a focus on practice management, business development, client experience, team dynamics, and mindset.


Becoming Debt Free for Life with Tracey Spikes, CLU, FICF (Ep 45)

For countless Americans, debt is the most significant problem preventing them from living the life they want and retiring comfortably.

If you stay awake at night stressing about your mortgage and student loans, you’re not alone. Luckily, there are better ways to pay off debt than Dave Ramsey’s strict ‘debt snowball’.

In this eye-opening episode of Your Financial Advocate, host Greg DuPont is joined by Tracey Spikes, Sr. Executive Distribution and Development Officer of the SMART Advisor Network. Tracy illuminates the path to financial liberation through the Debt Free for Life program, sharing insights from personal experience and professional practice.

Tracey discusses:

  • The psychological aspects of debt and its ramifications on financial health
  • His personal experience paying of a staggering $600,000 in debt in just six and half years
  • The differences between effective interest cost and APR
  • An inside look at how the Debt Free for Life program crafts bespoke solutions aligning with individual fiscal circumstances
  • And more!

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About Our Guest

Tracey Spikes believes debt and taxes are two of the greatest detractors to wealth accumulation and spendable income that Americans face today. He’s studied income in America extensively and came to the shocking conclusion that well over 50% of what we earn over our lifetime goes to paying taxes and/or interest.

It’s for these reasons he uses the Smart Advisor Tools suite of software that includes Debt Free 4 Life™️ and Tax Smart 4 Life™️ as part of his advisory work with clients, and trains similarly-minded advisors.

DF4L is a debt elimination app utilizing risk management based products, like life insurance, to modify a “snowball” approach to debt elimination and cash flow management.


Simplifying the Complexity of Indexes with Laurence Black (Ep. 41)

Choosing the right index for your investment goals can be a daunting task, especially when there are millions of options available.

How do you know which one is best suited for your risk tolerance, time horizon, and expected returns? How do you evaluate the performance and design of different indexes and ETFs?

These are some of the questions that many investors face when they enter the world of index-linked products.

In this episode, Greg DuPont chats with Laurence Black, Founder of The Index Standard®,  a company that rates and evaluates ETFs and indices used in the insurance and structured product space. They explore the challenge of choosing the right index among the many available and the importance of forward-looking due diligence. Laurence emphasizes the need for diversification and preparing for unforeseen events in the investment world.

Together they discuss:

  • The importance of taking a forward-looking approach when choosing an index
  • The Index Standard’s three-step forecasting process
  • The significance of diversification in dealing with unknown risks and protecting oneself in the investment world
  • The benefits of exchange traded funds (ETFs) compared to mutual funds
  • How The Index Standard evaluates and categorizes the largest index-linked ETFs based on their robustness and design
  • The valuable insights you’ll gain from the training with Laurence, simplifying the complexity of insurance indices for informed decision-making
  • And more!

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About Our Guest:

Laurence Black is the founder of The Index Standard® and an index advisor to Robert J. Shiller, Sterling Professor of Economics at Yale University.

Before founding The Index Standard®, Laurence was Managing Director and Head of Quantitative Indices and Strategies at Barclays, where he oversaw the development of the Barclays index family. In addition to designing some of the first smart beta/factor indices, Laurence spearheaded Barclays’ index partnerships with Professors Robert Shiller and Nouriel Roubini, as well as Novus Partners.

Before Barclays, Laurence was Head of Indices at ABN AMRO in London, where he successfully launched indices with well-known investors such as Jim Rogers and Joel Greenblatt. Before ABN AMRO, Laurence worked at Lehman Brothers, Deutsche Bank, and Credit Suisse.

Laurence holds an MBA from the University of Warwick and a Bachelor’s degree from the University of Cape Town. When not thinking about financial matters, he can mostly be found on a tennis court.


Inside a Multigenerational Family-Owned Business with Don Kirkham (Ep. 40)

Family-owned businesses are beneficial to the economy in more ways than one, but there can be challenges along the way. Especially when there is a pandemic and a recession involved.

Overcoming these challenges and passing the business down from one generation to the next is no easy feat.

In this episode, Greg DuPont chats with Don Kirkham, vice president of Kirkham Building System, about what it’s like to work in a family-owned business that has passed through multiple generations. Additionally, Don explains what Kirkham Building System does regarding pole-framed construction and how the process works.

Don discusses:

  • A brief description of his background and what he does for his family’s business – Kirkham Building System
  • Why pole-framed construction is more cost-effective than traditional construction
  • How supply chain issues have affected the industry
  • Kirkham Building System’s costs and the process of working with them
  • How the National Frame Building Association can help you find the right builder in your jurisdiction
  • How their family business has passed through multiple generations and the benefits they have derived from it
  • And more!


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About our guest:

Don Kirkham, is the fourth generation of Kirkhams to work in the post-frame building industry. Don started with his father’s company in 1991 working as a crewman in the summers. He remembers the hard work in the hot summers as a time of learning and great experience. He then worked his way up, learning all the facets of the trade. He served as a planner and sales representative while attending OSU. After college Don became the Sub-Contractor Coordinator and worked closely with General Foreman. He continued on and became General Foreman coordinating the efforts of the entire construction department. Don has also been the company Safety Officer. From 2008 to 2012 Don left the industry and became the Service Advisor for a successful Automotive Shop in Westerville, where he developed the personal fortitude to work closely with many customers. In October 2012, Don returned to KBSI to lead business development and proudly worked alongside his father to continue the tradition of quality and experience that is KBSI.

Don is an avid reader and believes personal development is essential. He continues his education through safety training, personal studies, seminars, and reading. Don lives in Powell, OH with his wife. His son and daughter also both work for KBSI.


Transitioning Your Parents Into Assisted Living with Sarah Dixon (Ep. 39)

As our parents age, sometimes it’s necessary to find a place where their quality of life will be better.

Many difficulties can arise in this process, such as the financial part and the emotional conversations we need to have with them.

In this episode of Your Financial Advocate, Greg DuPont is joined by Sarah Dixon, community relations director at Bluebird Retirement Community, to talk about the transition from in-home care to an assisted facility and how we can have these tough conversations when it comes to helping our parents.

Sarah discusses:

  • Her background in healthcare and how she got introduced to the hospitality industry
  • The transition from working in large corporations to a privately owned business
  • The different ways families approach assisted living facilities
  • The different levels of assistance care 
  • The financial preparation needed before applying for an assisted care space
  • Things to consider when families are searching for facilities
  • A few details about Bluebird’s dementia care unit
  • How should conversations about transitioning to a specialized facility should be tackled
  • And more!


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How To Pay for College with Ann Garcia, CFP® (Ep.38)

Education is an essential part of life and college is a necessity for most of us to build a successful career.

Hence, families should prepare financially for the process of applying to college and not wait until the last minute.

In this episode of Your Financial Advocate, Greg DuPont chats with Ann Garcia, author of How to Pay for College, about different ways to save for college and important things to know while financing tuition payments as we are on the verge of FAFSA season. 

Ann discusses:

  • What motivated her to write the book: How to Pay for College 
  • A brief overview of the financial aid process
  • Her tips for families who don’t know how to start the process of college
  • Why open a 529 plan and contribute to it constantly.
  • Why approximately a quarter of students are not applying for any financial aid
  • The college planning process information you can find on her website
  • The importance of parents being involved in the entire education process of their children
  • And more!


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About Our Guest:

Ann Garcia is a CFP® and owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland, Oregon, and the author of How to Pay for College and The College Financial Lady blog. Her blog has approximately 15,000 subscribers in various media. In addition, she is regularly in national media (New York Times, US News & World Report) on college planning. She earned a BA from the University of California.


A Veterinary Venture From Scratch with Dr. Bimbo Welker (Ep.37)

The process of becoming an entrepreneur has never been nor will ever be easy.

However, if you are passionate about what you do and have experience, you can be successful.

In this episode of Your Financial Advocate, Greg DuPont sits down with Dr. Bimbo Welker to talk about his experience after leaving his role as the director of Veterinary Medicine at the Ohio State University to start his own food animal and equine veterinary services business in his 60s.

Dr. Welker discusses:

  • His background as a veterinary professional for 30 years
  • His experience after leaving his job in the academic world and starting Welker Veterinary Services
  • The steps he had to take to start this business without any prior experience
  • The economic differences between working for someone versus being a solo practitioner
  • The importance of liking what you do
  • His company’s present and future plans
  • And more!

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About our guest:

Dr. Bimbo Welker is a 1980 DVM graduate of Texas A&M University and completed an MS in Veterinary Clinical Sciences at Ohio State in 1984. Dr. Welker has worked as a Clinical Associate Professor in the OSU College of Veterinary Medicine based at the Marysville clinic providing clinical service and teaching since 1991. After 28 years of providing veterinary service to the Marysville community, he retired from the OSU Large Animal ambulatory clinic in 2019 to found Welker Veterinary Services.


Preparing Yourself to be Financially Ready for Elderly Care (Ep.34)

52% of people turning 65 are going to need some type of long term care over their lifetime. Aging parents is something many of us are going to have to deal with at some point in our lives. 

In this episode, Greg DuPont talks about how important it is to start budgeting for your future healthcare costs and figuring out how your parents can budget for theirs. With the right planning, you can make this inevitable journey a lot smoother.

Greg discusses:

  • The nationwide average cost of elderly care per month
  • The difference between long term care and assisted living
  • How many retirees end up with dementia or some health issue
  • Strategies to help you save on long term care in the future
  • And more!

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Understanding the Historical Trends of the Markets (Ep.33)

Do you believe that history tends to repeat itself? The markets have been down recently and if it is anything like the past, it could be down for a while.

In this episode, Greg DuPont goes back as far as 1897 to explain how the markets have been working and how trends tend to repeat themselves. In order to improve at what we do, we have to learn from the past to avoid the same mistakes. 

Greg discusses:

  • The history and trends of the market
  • The Shiller PE ratio and the S&P 500 
  • Who is going to be affected by the markets the most
  • Is the market going to continue to decrease
  • And more!

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Real Estate Market Opportunities Right Now! Part 2 With Richard Davis. (Ep.32)

In the previous episode, we talked about some challenges real estate investors may face as well as the opportunities for them.

In this episode, Richard Davis is back to dig into more specifics about real estate. If you are currently looking for additional sources of income, tune in today for some tips and tricks you can use to start earning with these opportunities in real estate.

Richard discusses:

  • Niches to add to your real estate portfolio
  • The major opportunity in real estate with baby boomers
  • The future of modular buildings 
  • Running a part-time Airbnb 
  • And more!


Free copy of Get The Most Money For Your Real Estate Investment by Rick Davis

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About our guest:

Rick Davis is an experienced Real Estate Agent, Commercial Builder, New Home Builder and Insurance Adjuster, licensed and experienced in commercial and residential real estate sales construction and restoration. He was first licensed in Real Estate in 1972, then in Construction in 1976.  He is licensed in Pennsylvania, Maryland and Florida.