Every Dollar Counts with Josh & Jay Josh Null

 
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, independent, captive agents, producers, and advisors. The episode delves into mutual support in their professional journey, emphasizing risk management solutions. Future episodes will explore topics like becoming an independent financial advisor, integrating risk management into financial planning, and alternative career paths for producers. Enjoy the show!
 
 
 
3 Key Episode Takeaways
 
1. New Focus on Independent Advisors: Every Dollar Counts is pivoting to a new target audience—semi-independent, independent, and captive agents, producers, and advisors. Expect insights tailored to your unique needs and challenges!
 
2. Personal and Professional Growth: Josh Null has formed his own investment advisory firm, and Jay Stubbs is now an agency owner. We'll share the journey and lessons learned from these significant career shifts.
 
3. Expanded Topics and Resources: While staying true to our roots in financial insights, we'll explore topics like integrating risk management into advisory practices, alternative career paths for producers, and strategies for competing with larger firms.

 
 
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 appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

 

Gulf Coast Financial Advisors, LLC ("GCFA”) is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator.
 
The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA’s advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA’s solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.
 
Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, v

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 a variety of goods and services. Some companies are combating that with what's called "shrink-flation" but even so, the inflation numbers being published are still at historic highs. The hosts discuss and explain how inflation is actually a measure of the rate of change and how core inflation is different from the overall inflation rate. They also discuss the similarities and differences to what America experienced in the late 1970s and early 1980s. Lastly, the hosts discuss "momentum investing" and how that might be a potential tool for investors to participate in those industries that are doing well in this economy.


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 appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

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Disclosure:
Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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 fundamentals. What role does your investing strategy play into how you feel about current stock market conditions? Tune into this episode, then jump back to Ep 55 where we discuss how a investor’s holdings and strategies may be affecting their emotions disproportionately, especially if they had pursued a “Fear of Missing Out” investing strategy.

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 appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

//////


Disclosure:
Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
 

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 faster than their underlying value would dictate. In this episode, Josh and Jay discuss both fear of missing out, and discuss the difference between “gambling” versus utilizing a diversified, purposely constructed diversified portfolio. The hosts even get to relieve a little bit of the dot.com bubble, as both had just graduated college as that era was heating up. Been burned by the market recently? Tune it to hear about possible different approaches to your investing strategy.  
 
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 appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

//////


Disclosure:
Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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 so, what different types are available? All of these questions and more will be discussed in this episode!


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 appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

//////


Disclosure:
Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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 rising interest rate environment affects income annuities. The hosts also briefly run down the different types of fixed income annuities. For those of you in an annuity, or looking to purchase an annuity, particularly if you’re in the retirement “red zone” of 5 years or less until retirement, tune in to learn 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 appointment at gulfcoastfa.com. Independent and semi-independent agents and advisors can reach Jay Stubbs at JayStubbs.com.

//////


Disclosure:
Advisory services offered through Prime Capital Investment Advisors, LLC (“PCIA”) a federally registered investment adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Prime Capital Wealth Management (“PCWM”) and Qualified Plan Advisors (“QPA”). PCIA and Gulf Coast Financial Advisors are not affiliated.
Gulf Coast Financial Advisors (GCFA) , Prime Capital Investment Advisors (PCIA), Prime Capital Wealth Management (PCWM) and Qualified Plan Advisors (QPA) do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. You should consult your own tax, legal and accounting advisors before engaging in any transaction.