Fun With Annuities® Podcast is hosted by America’s Annuity Agent, Stan The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle. Listen in on how you can be livin’ the reality, not the dream.
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We want to help every independent agent or retirement planner be successful explaining the benefits all types of annuities - fixed indexed annuities in particular. You should walk away each time you listen with some idea that will make your next client meeting run better.
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Teaching you all about IRAs & Roth IRAs, employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities, estate planning and much more!
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Discover stories from real people who are living out their definition of a secure retirement.
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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Mastering Money is hosted by Certified Income Specialist Steve Jurich. Steve's comments have been seen on MarketWatch, CNBC.com, Bloomberg, and TheStreet.com. Steve is joined on most days by Money Radio favorite Sinclair Noe as well as experts and authors from the world of Wall Street and real estate. New episodes published every weekday at 9am PST. Listen every weekday to get a handle on emerging market trends, asset allocation strategies, social security, medicare, RMD planning, tax strate ...
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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The mission of the Financial Safari is to equip you with the tools and knowledge that you need to successfully navigate through today's complex financial jungle. Each week, the hosts and guests on the show reveal the latest developments in the financial world to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings.
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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Mark Kemp and Todd Little are Certified Financial Planners (CFP) with Kemp Harvest Financial Group in Harleysville, Pennsylvania. Each episode, they'll break down important financial and retirement planning concepts and show you how to avoid common retirement pitfalls. They'll seek to keep each topic simple and easy for you to understand. If you have any questions, call 215-513-4330 or visit https://www.kempharvest.com/
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Every week Jeff Vogan comments on the state of the market and economy as well as gives advice on retirement planning and wealth management.
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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Are you ready to take control of your financial life? Jill Schlesinger, CBS News business analyst and Certified Financial Planner, is here to help! On MoneyWatch, Jill will help you conquer the fear and anxiety of financial decisions, as she answers your questions about all things money. Have a question? From retirement, to career changes, to college funding and the right mix of investments to reach those goals, email Jill at askjill@jillonmoney.com. Tune in for new episodes every Tuesday an ...
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Join me weekly for discussions about Retirement Tax Planning, Guaranteed Lifetime Income plans, ZERO-LOSS Growth Strategies, Legacy Planning, Long Term Care, Roth Conversions, and more. Hosted by Certified Financial Fiduciary®, member of Ed Slott's Elite IRA Advisor Group℠, Founder of Safe Money Retirement®, and the #1 Bestselling Author of Safe Money Retirement: Your Game Plan for Success, Tim Wood. You can get more info and a FREE copy of my book at www.SafeMoneyRetirement.com.
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MoneyMD is all about money - from personal finance to world markets. Learn how to budget, spend wisely, save, invest and make your money work for you. Money tips abound on MoneyMD!
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To get to your destination, you must know where you are going. The Paladin Financial team may help you find a route to your financial destination with Paladin Financial Talk. Each episode is designed to help light the way to your desired financial future. Are you prepared for retirement or just in need of a quick rest stop to confirm your progress? Download the latest episode of Paladin Financial Talk and keep your financial journey on track!
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Grant Dorhout, Founder and Wealth Advisor of Dorhout Retirement Services shares his thoughts on investing and helping secure your retirement in his weekly radio broadcast, The Retirement Blueprint. Grant is a full service advisor and has been helping families live out the retirements they deserve by giving them experienced, common-sense advice. Dorhout Retirement Services 4611 S 96th St, Omaha, NE 68127. (402) 281-0750. Investment advisory services offered through CWM, LLC, an SEC Registered ...
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Welcome to Meet the Expert with Elliot Kallen®, a podcast where experts discuss advanced financial matters in an approachable way. No matter your stage of life, you’ll learn the tools and strategies to create financial freedom, and develop a well-rounded perspective on how to build a better financial future. https://prosperityfinancialgroup.com/
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HERO’S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution.
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Exploring timely insurance and retirement planning topics for today's forward-thinking financial professionals. Crump Insights is a presentation of Crump Life Insurance Services, a leading third-party distributor and service provider of insurance and retirement products. Join us for the latest market updates, sales strategies and information that impact the industry, your practice, and your clients.
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Welcome to How To Protect And Grow Your Money with Mark Tabron. If you’ve recently retired or are approaching retirement, then listen up, because on this show we’re going to provide you with essential information designed to prepare you for the financial challenges that lie ahead. If you want to learn how TO retire and how to STAY retired, you’re in the right place. Your financial future doesn’t have to be complicated, so we’re going to keep it simple on each show. Your host is Mark Tabron, ...
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Retirement and Your Money: Dollars and Sense Radio is the perfect podcast for retirees or those planning to retire and want to learn more about how to manage their money for retirement. Hosted by financial expert Doug Horne, this show provides helpful insights, tips and strategies to ensure your retirement years are financially secure. Retiring is a milestone that many look forward to, but it's important to plan and prepare for the transition. Taking the time to understand your financial sit ...
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We break down the wide world of annuities to help our listeners better understand annuities and how to use them as a powerful tool to create better retirement outcomes.
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Welcome to The Mind Money Spectrum Podcast where your hosts Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Financial Planner from the Bay Area, and Trishul is a Wealth Manager on the East Coast. For more information about Aaron, check out GraystoneAdvisor.com. And for more information on Trishul check out InvestingForever.com. We thank you all for listening, and stay tuned for ...
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Podcast by Annuity TV with Rich Nulph: Podcast Edition
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Listen to the Wycliffe Foundation discuss various gift planning vehicles. Topics vary from wills, bequests, annuities, donor advised funds, IRA rollovers and more. The Wycliffe Foundation is a ministry of gift planning serving partners in global Bible translation, linguistics training and humanitarian aid.
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Every week Jake Rivas, Financial Advisor To Millennials, will hit the streets, coffee shops, and restaurants to get raw feedback from YOU about the real financial obstacles you are facing today. Jake will help you take the guesswork out of managing your money choices while curating and sharing the best advice and insights into making smart money choices. Jakes Two Cents will help you navigate credit, financial debt, saving for the future, student loans, mortgages, travel, money, lifestyle, a ...
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
…
continue reading
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
…
continue reading
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
…
continue reading
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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1
Stopping Retirement Losses & Building More Control & Security
Mark Rogers, Financial Educator of Two Room Schoolhouse
Learning never leaves us. Understanding how to make decisions comes from learning.In our working years (40-50's) affords us wonderful PLANNING options for the decades to come. Learning in our 50's is critical to build security in financial future.And in our 60's, we have so many NEW decisions to learn about for Retirement Years.Mark Rogers, Educator from the TwoRoomSchoolhouse site, share WEEKLY insight on critical NEWS, plus answers questions on Life Insurance, Annuity Policies, Medicare Po ...
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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Discover the details of Infinite Banking, Economics & History...
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WTTW11 and PBS's three-part series about planning for retirement.
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
…
continue reading
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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The most wholesome business podcast on the street. Leadership convos unpacking the secrets of successful execs & top performing companies. Also covers investing, start-ups, personal finance, careers & life hacks. Expect high quality industry expert insights, dad jokes & useful tools to live by.
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The mission of Rock on Retirement is to equip you with the tools and knowledge that you need to successfully navigate through today's complex financial world. Each week, the hosts and guests on the show reveal the latest developments in the financial industry to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings.
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The purpose of Retire With Style is to help you discover the retirement income plan that is right for you. The first step is to discover your retirement income personality. Your hosts Wade Pfau, PhD, CFA, RICP and Alex Murguia, PhD walk you through creating and implementing a retirement plan that will help you reach your goals, and that you’ll be able to stick with. Start by going to risaprofile.com/style and sign up to take the industry’s first financial personality tool for retirement plan ...
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Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
…
continue reading
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
…
continue reading
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
…
continue reading
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
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Tax rates 10 years from now are likely to be much higher than they are today. Is your retirement plan ready? Learn how to avoid the coming tax freight train and maximize your retirement dollars.
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218 - Laying the Foundation For Better Plan Advice With Bonnie Treichel
36:03
36:03
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In this episode, Bonnie Treichel, Founder and Partner of Endeavor Law, discusses the Retirement Income Certification program and its benefits for advisors. She explains that the program provides free and objective education on in-plan retirement income. The target audience for the program includes both upmarket consultants and small to mid-size RIA…
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Annuity Decisions Should Be Simple & Contractual: Shootin' It Straight With Stan
12:59
12:59
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In this episode, The Annuity Man discussed: Buying contractual guarantees Keeping it simple with annuities Annuities that adjust for inflation Key Takeaways: Buy annuities only for their contractual guarantees. Don’t buy an annuity for hypothetical, theoretical, back-tested returns. Don’t buy an annuity for the upfront bonus. Buy an annuity for wha…
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Episode 114: RWS Live (not really): Answering Your Safe Withdrawal Rate & Annuity Questions (Part 8)
39:04
39:04
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39:04
In this episode, Alex and Wade answer questions on safe withdrawal rates, annuities, and retirement planning. They discuss the considerations for investing in a Qualified Longevity Annuity Contract (QLAC) and the difference between immediate and deferred annuities. They also explore the use of Single Premium Immediate Annuities (SPIAs) in combinati…
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How Long do Policy Loans Take?/Annuities & IBC® (BWL Q&A #44)
22:04
22:04
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22:04
In today's Banking With Life Q&A, James answers questions such as, "What are the timeframes between sending funds and withdrawals?", "When to use annuities in Infinite Banking?", "Is diversifying with both qualified accounts and Infinite Banking wise?", and more! As always, we hope you enjoy and thank you for listening! 1. 0.22 - Timeframes between…
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Is Ken Fisher's Anti-Annuity Stance Illegal?
8:07
8:07
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According to David, Ken Fisher’s hate toward annuities is visible in what can be considered “one of the most successful attacks on any financial product in history”. David discusses why, in his opinion, Ken Fisher sees annuities as the perfect marketing tool to build his own asset management firm. There are two things annuities can do that no other…
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Bidenomics! Inflation! China! Digital currency! And, an upcoming Presidential election--a lot is happening in the world these days and it could affect your investments. Who better to comment on timely issues than the great Lou Dobbs? Today, Lou is our special guest host for segments 2 and 3, with commentary from Steve in segments 1 and 4. This is a…
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Daily IQ Retirement Brief 3/18/24
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Wondering how life insurance can fit into your retirement plan? This episode dives into using life insurance strategically, exploring benefits like tax advantages, income supplements, and legacy building. We'll break down essential strategies to maximize your retirement security with clear explanations.…
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During today’s show, we’re going to consider what data and historical trends suggest the impact of the 2024 presidential election will be on your finances.By Anthony Cangemi
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There are very costly mistakes that you can make with your retirement accounts. In this episode we go over the most costly and common mistakes people make and the strategies to avoid them.By Nick Jones
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Hans and Robby are back again this week with a brand new episode! This week's discussion is about A caregiver's letter. It is a letter written by you to your family, that describes what you want done long term care wise, depending on different scenarios. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Ret…
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On this episode, we break down some of the most important things about RMDs as well as what IRA beneficiaries should be aware of when it comes to them.By Michael Mcguire
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Having a strategy in place to handle and uncertain market and economy is important. In this episode we welcome Gradient Investments Portfolio Manager Keith Gangl to talk about where the markets are at, where we might be headed and the various investment options that available.By Rob Kirvan
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Women may have different financial concerns than men. Therefore, there is an opportunity for slightly different kinds of financial planning recommendations. We break down key financial concepts, explore resources designed for women, and equip you with the confidence to take charge of your financial future.…
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Diamonds aren’t just a girl’s best friend, they are becoming best friends with the fastest and longest lasting microchips in the world. Technology is always the X factor that can change the course of investing. A fascinating Wall Street Journal in today's Market Intel segment, then Medicare and health insurance expert Shelley Grandidge joins us. MA…
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Discarding Old Maps and Adopting New Ones (Part 1) (BWL POD #0209)
49:10
49:10
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In this episode of The Banking With Life Podcast, James and Ryan discuss the underlying nature of financial reasons for the first part of their two-part discussion. They specifically rely on Murray Rothbard’s well-known article, 'The Mantle of Science.' As always, we hope you enjoy and thank you for listening! ➫ 'The Mantle of Science.' - Murray N.…
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Daily IQ Retirement Brief 3/15/24
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Episode 529: Join Ryan and Abbie as they explore effective strategies for tackling student loan debt, from federal programs to private refinancing. They also explore four essential factors to consider before diving into rental properties.By Steve Marbert & John Travis
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If your spouse filed for Social Security before their full retirement age, your benefit may be impacted. This is known as the he Social Security "Widow(er)'s Limit." (Retirement Insurance Benefit Limit or RIB-LIM). In this show we talk about how survivors are impacted when their spouse (or ex-spouse) claimed benefits early.…
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216 - Managing A Soft Landing For The Economy Despite Global Turbulence With David Czerniecki
18:38
18:38
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In this episode, Paul Tyler and David Czerniecki, Chief Investment Officer for Nassau, discusss various economic topics, including China's economic slowdown, energy prices, inflation, and global conflicts. They explore the implications of these issues on the global economy and provide insights into potential future developments. Takeaways China's e…
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Can you retire safely WITHOUT a pension? How can you GUARANTEE an income without a pension?
11:00
11:00
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In this week's episode, we'll explore if it is possible to retire safely without a pension plan. What choice do you have and how do these choices work? What is the #1 thing that leads to happiness in retirement? Wouldn't having guarantees rather than leaving things to chance be great? Isn't it time to get answers to the tough retirement questions n…
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For decades, seeking knowledge online has meant googling it –but Artificial Intelligence--AI, is changing that. We'll review a sizzling Wall Street Journal report about how the web itself is changing in the Market Intel Segment, then an update on income replacement strategies...MASTERING MONEY is on the air!!!…
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Daily IQ Retirement Brief 3/14/24
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#090 – Retirement planner chat, with Devin Carroll from Carroll Advisory Group
1:25:07
1:25:07
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Andy chats with fellow retirement planner Devin Carroll, from Carroll Advisory Group. In this episode they talk about a wide array of retirement planning topics such as tax planning, distribution strategies, investing, annuities, long-term care insurance, how to know when someone has "enough" to retire, what consumers often overlook in retirement p…
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Should I take rental profits from farm income now, or wait about ten years for it to grow even more? Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-no…
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Could America’s oldest mall become the mall of the future?, asks the Wall Street Journal. It looks like its happening in suburban Minneapolis. We’ll tell you which mall operator is revolutionizing the industry in the Market Intel Segment, and then Shelley Grandidge joins us to discuss health insurance and Medicare--MASTERING MONEY is on the air!!…
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Daily IQ Retirement Brief 3/13/24
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http://webuildyourwealth.com/wp-content/show/C52.mp3 HERO’S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-f…
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This episode explores the two different five-year rules for Roth IRAs instituted by the IRS to prevent people from abusing them. The first five-year rule applies to earnings on Roth contributions and determines whether those distributions can be taken tax-free. The second rule concerns Roth conversions and lets you know whether conversion principle…
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Episode 116: Costs and Prevalence of Long-Term Care Planning (Part 2)
44:59
44:59
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In this episode, Wade and Alex discuss the costs and prevalence of long-term care. They explore the probabilities of needing long-term care and the average lengths of care for men and women. They also differentiate between any long-term care needs and paid long-term care needs. The conversation provides insights into the importance of planning for …
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Bloomberg is reporting that gasoline could be higher in price this summer than most of us expected, and that could spell trouble for the Biden Administration at the polls. Learn why gas prices are likely to rise this summer in the Market Intel segment, then we’ll plot out the roadmap to retirement and how to eliminate some major causes of financial…
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Daily IQ Retirement Brief 3/12/24
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Remember The Yellow Pages? You used to search for the "experts" on everything from plumbing to a doctor. Today, that search is more calculated and we depend on making the right choice. So, how about a retirement specialist? Have you found one yet?By Doug Horne
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Andy Panko: Financial Planning Demystified and Unemotional (TAM Classic)
52:26
52:26
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In this episode, The Annuity Man and Andy Panko discuss: How advisors should construct their fees The complexity of decumulation Making the plan as good as it can be Cryptocurrency is a lottery ticket Key Takeaways: The work isn’t linear to the asset size; advisors shouldn’t make more money just because assets go up. In the same way, advisors shoul…
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My rent is currently $1,800 a month and I am able to save $3,000 each month. Should I keep renting or look to buy? Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com…
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Daily IQ Retirement Brief 3/11/24
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Bidenomics! Inflation! China! Digital currency! And, an upcoming Presidential election--a lot is happening in the world these days and it could affect your investments. Who better to comment on timely issues than the great Lou Dobbs? Today, Lou is our special guest host for segments 2 and 3, with commentary from Steve in segments 1 and 4. This is a…
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Worried about building a nest egg or taxes in retirement? In this episode we dive deep into Roth IRAs. We'll explore strategies to boost your contributions and uncover the tax benefits that can help supercharge your retirement savings.By Cory Sickles
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In his episode we dive into smart strategies to keep more of your hard-earned money. We'll explore tax-efficient investments, Roth conversions, and how to manage required minimum distributions to ensure a more tax-friendly retirement.By Anthony Cangemi
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1
Retirement Income Strategies For Lifetime Wealth
53:32
53:32
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In this episode Grant discusses 18 income strategies for lifetime wealth. Also 5 common retirement fears and how to overcome them, and why the solo years of retirement are important to plan for.By Grant Dorhout
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in this episode Jeff talks about the fed not cutting rates as quickly as they thought because inflation is still not under control. Also Jeff discusses "buy the hype, sell the fact" as it applies to stocks in addition to answering listener questions.By Jeff Vogan
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Hans and Robby are back again this week with a brand new episode! This week's discussion is about medicare part D.. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-53…
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Wondering how the upcoming election might impact your investments? In this episode, we'll explore the historical performance of the market during elections, discuss strategies to manage emotional reactions, and emphasize the importance of a long-term investment plan. Tune in and gain confidence navigating your portfolio through election season.…
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During this show, we’re going to break down the New Generation Retirement system and how it can provide value and guidance on the road to retirement.By Gerald G Ginwright
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On this episode, we break down some of the most important things about RMDs as well as what IRA beneficiaries should be aware of when it comes to them.By Greg Gunther
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In this episode of Paladin Financial Talk, co-host Nikki Foley and Tony Shore invite Katie Hilbrands to the show, as Paladin Financial’s newest female in finance and to emphasize the significance of initiatives like Women’s History Month. Listen in for insightful commentary on the contributions of women in finance, highlights on notable female entr…
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During this show, we’re going to break down the New Generation Retirement system and how it can provide value and guidance on the road to retirement.By Michael Mcguire
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In this episode, various topics related to retirement planning are discussed. The importance of taxes and social security in retirement is highlighted, emphasizing the need for a comprehensive retirement plan. The million dollar number and asset allocation are explored, along with the pitfalls of a one-size-fits-all retirement plan. The importance …
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1
The Emergency Savings Plan to protect your retirement!
12:48
12:48
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In this episode of The Financial Safari, Coach Pete discusses and debunks common bad financial advice. He emphasizes the importance of planning for taxes in retirement, not assuming that spending will decrease in retirement, avoiding dipping into retirement accounts for emergencies, understanding that a million dollars may not be enough to retire c…
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In this episode of The Financial Safari, Coach Pete discusses various financial topics and dispels common bad advice. He emphasizes the importance of planning for taxes and retirement spending, as well as the need for supplemental retirement income beyond social security benefits. Coach Pete also highlights the advantages of working with an indepen…
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