Grow Your Business and Grow Your Wealth

<p>Deciding when to claim Social Security is one of the most significant financial choices you will make. The right strategy can mean a more secure and comfortable retirement, while the wrong one could leave you with less than you deserve. In this episode, we explore the nuances of Social Security and retirement planning to help you make the best decision for your future.</p><p><br></p><p>Host Gary Heldt sits down with Bruce G. Kaserman, President of BGK Financial, to demystify Social Security. They discuss the factors that should inform your decision on when to start receiving benefits, the impact of working in retirement, and how to create a financial plan aligned with your life goals. This conversation is essential for anyone approaching retirement age seeking clarity and confidence in their financial future.</p><p><br></p><p>Here are six key takeaways from the conversation: </p><p>- Your Social Security claiming strategy should be tailored to your individual circumstances, including your health, marital status, and other sources of income. </p><p>- Working while receiving Social Security benefits can impact the amount you receive, so it is important to understand the income thresholds. </p><p>- Delaying Social Security benefits until age 70 can significantly increase your monthly payments. </p><p>- Proper tax planning is crucial to minimizing the taxes you pay on your Social Security benefits and other retirement income. </p><p>- For business owners, the way you structure your salary can have long-term consequences for your Social Security benefits. </p><p>- A comprehensive financial plan can help you navigate the complexities of retirement and ensure you do not outlive your savings.</p><p><br></p><p>If you are looking for expert guidance on your retirement strategy, this episode offers valuable insights. Listen to the full conversation to gain a deeper understanding of how to make your money work for you in retirement. </p><p><br></p><p>Subscribe to our podcast for more insightful conversations and share this episode with anyone who could benefit from this valuable information.</p><p><br></p><p>To learn more about Bruce G. Kaserman and his work, you can visit his website at bgkfinancial.com. As a fiduciary and National Social Security Advisor, Bruce is dedicated to helping professionals and business owners make informed decisions to secure their financial futures. You can also connect with him to learn more about his upcoming seminars on Social Security and retirement planning.</p><p><br></p><p><br></p>

<p>What if the biggest risks to your business are happening in markets you are not even watching? In a world more connected than ever, a shift in a supply chain on the other side of the globe can impact your bottom line overnight. Staying ahead requires a new way of thinking.</p><p><br></p><p>In this episode, Gary Heldt sits down with Daniel Nikic, a Global Investment Specialist and founder of COHRES. They explore why a global perspective is no longer optional for entrepreneurs, how to spot emerging AI and software trends before they become mainstream, and the critical importance of managing risk with confidence in a rapidly changing economic landscape. Daniel shares insights from analyzing over 15,000 companies, revealing how business owners can identify smart opportunities and grow with confidence.</p><p><br></p><p>&nbsp;- A global mindset is essential for modern entrepreneurs because supply chains and market forces are deeply interconnected across continents.</p><p>&nbsp;- Successful companies must be willing to pivot their strategies and business models in response to new technologies and market shifts.</p><p>&nbsp;- Artificial intelligence should be viewed as a powerful tool for research and efficiency, not just an industry, fundamentally changing how businesses operate.</p><p>&nbsp;- For early-stage companies, building a strong professional network can be more valuable than securing initial investment.</p><p>&nbsp;- Poor cash flow management and a damaged reputation are two of the most significant red flags that can derail a growing business.</p><p>&nbsp;- Building and maintaining a strong reputation based on respect and integrity is a long term asset that is crucial for sustainable success.</p><p><br></p><p>If you are ready to think bigger about your business strategy and prepare for the opportunities of a globalized future, this conversation will offer a new lens on your growth. Listen to the full episode, subscribe for more insights, and share it with a fellow business owner.</p><p><br></p><p>To learn more from Daniel Nikic and explore his work in global investment, you can visit his website at DanielNikic.com. You can also connect with him directly on LinkedIn to continue the conversation.</p>

<p>Did you know that a typical retired couple can expect to receive over $1.4 million in Social Security benefits? </p><p><br></p><p>Yet over 90% of people are getting less money than they are eligible to receive. This isn’t just a small monthly check; it’s one of the most valuable retirement assets you have, and understanding how to unlock its full potential is critical.</p><p><br></p><p>This conversation on Grow Your Business &amp; Grow Your Wealth with Gary Held and guest, national Social Security expert Ash Ahluwalia, is a masterclass in retirement income planning. Ash demystifies the system's complexity, revealing the costly mistakes many people make and the surprising opportunities they miss. </p><p>For any professional planning for their future, this episode offers a clear, actionable guide to making smarter decisions about their benefits. </p><p>Ash Ahluwalia is the Head of Social Security Planning at OneTeam Financial. As one of the nation’s leading experts in retirement income strategies with credentials including CFP®, CSSCS, and NSSA®, Ash has spent nearly 30 years helping thousands of retirees navigate their benefits. </p><p><br></p><p>Key Takeaways:&nbsp; </p><ul><li>Your Social Security benefits are a pension you cannot outlive.&nbsp; </li><li>There are over 500 possible filing strategies for most couples.&nbsp;- </li><li>The strategy that pays the most money over time is not always the best one.&nbsp;- </li><li>Planning for survivor benefits as a couple is essential&nbsp;- </li><li>Recent legislation did not make Social Security tax-free for most seniors.&nbsp;- </li><li>Business owners can strategically allocate income to enhance their future benefits. </li></ul><p><br></p><p>Listen to the full episode to gain the clarity and confidence you need to secure your financial future. It’s a conversation that could change the course of your retirement. To learn more from Ash Ahluwalia or to explore a complimentary consultation, you can connect with him at OneTeam Financial. His expertise can provide personalized guidance on your specific retirement income strategy. <a href="https://www.oneteamfinancial.com/team/ash-ahluwalia" rel="noopener noreferrer" target="_blank">⁠https://www.oneteamfinancial.com/team/ash-ahluwalia</a></p>

Daniel Nikic

<p>What happens when high income still does not give you freedom, time, or peace of mind? <br>In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with <strong>Joey Muré</strong>, co founder of Wealth Without Wall Street, to challenge traditional thinking around money, retirement, and success. Joey shares his personal journey from earning a high income in the mortgage industry to realizing that his money was not working for him. Together, they unpack why knowledge alone does not lead to financial freedom, how systems matter more than strategies, and why passive income aligned with values can change both your calendar and your life.<br><strong>Key Takeaways</strong><br> → High income does not automatically create financial freedom<br> → Financial freedom means passive income exceeds monthly expenses<br> → Most people are stuck because they lack a system, not information<br> → Retirement accounts often delay freedom instead of accelerating it<br> → Investor DNA matters when choosing the right income vehicles<br> → Aligning money with faith and values creates long term clarity and peace<br><strong>Quote from the Episode</strong><br>“My money wasn’t working for me. It was creating more demand on my time and pulling me away from the people I cared about most.”.<br><strong>Call to Action</strong><br>To learn more and access free resources from Joey, visit <a href="https://www.wealthwithoutwallstreet.com/">https://www.wealthwithoutwallstreet.com</a></p><p> </p><p>Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a></p>