Healthier Money Healthier Money

It's something I have been affectionately calling Option 4. The decision to retain revenue as cash flow within your business and keeping it from the economic termites that would see it eaten up.

Option 4 is referring cash flow planning with what you do with excess cash at the end of the year. In most cases, your tax professional or CPA probably tells you to do one of three things. 

1. Put some money in a qualified investment plan, for the deduction.

2. Buy something like a vehicle, for the deduction.

3. Take the money as a K1 and pay the tax.

Here is where option four comes in and it's a game-changer. Option four involves a concept called the Alternative Risk Program.

With the ARP we keep your hard-earned money where it belongs,  in your business. Jump into the episode, it's short, but I will be getting into more detail in the coming days and weeks.

Thank you for your attention and as always Live Long and Profit.

Check out our new website where we will be posting and creating content all about this concept www.hmconsults.com 


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If anything, 2020 has been the most uncertain year I've experienced in my 58 years of life. It's only proven that having assets, things that put money in your pocket, outside your business is vital to personal and financial wellbeing. 

As business owners, we practice the old motto of pay everyone. else first and whatever. is left over goes to us. And let's be honest, what's really leftover at the end of the month?

My mission has been to help. businesses and founders protect their cash flow and their personal liveliness. This is why I am passionate to bring the Alternative Risk Program to anyone who I can speak to. I want to make a difference in the risk-takers and entrepreneurs who really the driving force behind our economy and our country. 

I hope you enjoy this rant and if you have questions about the Alternative Risk Program you can find out more information at hmconsults.com or leave us a voice message on Anchor. https://anchor.fm/healthier-money

Thank you and as always, Live Long and Profit.


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It's not about sports, but what sports does for us as people. 

It doesn't matter if you're a football fan, the purpose of this is to highlight how events unify us. This weekend if you were a Notre Dame fan or Clemson fan, it didn't matter. 15,000 people rushed the field, and where that might not be the best thing right now from a health standpoint, it's what we need.

To come together around the proverbial firepit and just be. Not as enemies, republicans, or democrats, but as Americans, and human beings.

Whether your team won or lost you can share with your fellow human that experience. Differences aside, let's move forward remembering that we are all in this together.

Communication is so divided and I want to encourage you to get out there and talk to your neighbor and find people who don't believe or think the way you do and just listen with an open mind. Agree to disagree and find common ground. You might find that despite what you think, you have more in common than you realize.

Until the next time, Live Long and Profit.

P.S.

We use Anchor to post these podcasts which, despite them being an amazing company, has an awesome feature of voice memos. You can go to our anchor.fm page and leave us a question or request about something to talk about. Be it finance, work, investing, or whatever. Leave us a message and we might answer you in the next episode.




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Like many people during this weird time, 2020, people are using their newly found freedom to do something different. If you. have ever thought about utilizing your time and starting a business one question you may ask yourself is, where do I start?

Well, today you're in luck! We sat down with our resident tax professional Marc Sterling and he lays out the road map.

Grab a pen and paper and get ready to take notes on the legal and financial necessities prior to executing on your big idea!

Thank you as always for your attention and if you need a personal help you can reach out to Marc directly at marc@sterlingfisher.com or us at info@healthiermoney.com.

Live Long and Profit

The Healthier Money Team


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This is a heart wrencher. Last week Pat was in San Diego and a gentleman he met told him the story of how his mother died. As a family the didn't have the resources for in-home health care and she was placed three an a half hours away in a state facility.  



To even be placed in the state facility first all her assets had to be spent down to almost nothing. She then was moved into the long term care facility and unfortunately, the facility came under siege from COVID. 



12 people were infected and 9 passed away including this gentleman's mother.



Hindsight is 20/20 but there were things they could have put in place had they just known about them.



Today in the conversation Pat and Kyle get into what Long Term Care Insurance is, what it isn't, and how it could have possibly saved this woman's life. But at a minimum empowered the family to make decisions about her care other than defaulting to the state.



We hope you enjoy the conversation and as always, Live Long and Profit.



P.S.

If you have questions about anything we talked about or just want to see if we can help you with your retirement plans shoot us an email at info@healthiermoney.com.


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James T Harris, patriot, thought leader, and host of The Conservative Circus joins us on the podcast today. 

We get into his perspective on savings,  what he was taught, and how we might be able to look at things differently, among other things.

You can find out more about James on his website or catch him every morning from 6-10 am. 

Thank you for your attention, it means the world to us. If you have any questions we would love to answer then on the next podcast. Go to anchor.fm/healthier-money and leave us a voice message, we would love to help you with any financial issue you're dealing with.

P.s. it would mean the world to us if you left us a review on apple podcast.

Healthier Money is a financial services company specializing in insurance and annuity based asset protection and tax-free retirement strategies.

To learn more about how we would design a portfolio contact us at info@healthiermoney.com or visit our website at healthiermoney.com

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