EnRich Your Life

Richard Leimgruber, CRPC®
  • 5.0 (5)
  • Investing
  • Updated Biweekly

A financial podcast hosted by advisor Richard Leimgruber, CRPC®, sharing practical advice and making financial wisdom accessible for all. Tune in for insights and tools that empower you to enrich your life and navigate your financial journey with confidence.

  1. Ep29 - Medicaid, Without the Jargon: What Most People Get Wrong

    May 12

    Ep29 - Medicaid, Without the Jargon: What Most People Get Wrong

    Most families don't think about Medicaid until they're already in crisis. By then, the choices are narrower, the bills are bigger, and the conversation about what's still possible is one nobody wants to have on a hospital hallway. Rich is joined by Lori Bernabe, a Medicaid Service Coordinator with The Feller Group, an elder care and estate planning law firm. With 20+ years inside this work, Lori has seen what happens when families wait, and what happens when they start the conversation early. In this conversation: What Medicaid actually covers, and the difference between community Medicaid (care at home) and nursing home MedicaidThe pooled trust, the irrevocable trust, the promissory note, the spousal refusal, a plain-English tour of the tools families ask about after the factThe "child caregiver credit" that may let an adult child who's been living with and caring for a parent keep the family homeWhy funding a trust matters as much as opening one, and the five-year clock that resets with every new depositFilmed and recorded at Studio on the Avenue/LMC Media Mamaroneck, NY https://lmcmedia.org/ Produced and Edited by Vekterly https://www.vekterly.com/ Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

    30 min
  2. Ep 28 - Stop Reacting, Start Planning: Avoid Becoming A Permanent Patient In A Sandwich Generation

    Apr 8

    Ep 28 - Stop Reacting, Start Planning: Avoid Becoming A Permanent Patient In A Sandwich Generation

    What does it actually mean to plan for your health, not just react to problems? In this episode of EnRich Your Life, Rich sits down with Dr. Raymond Zakhari, a triple board-certified nurse practitioner in adult health, family practice, and psychiatric–mental health, and founder of Metro Medical Direct, to talk about what proactive health planning can look like as you move through your 50s and into retirement. Dr. Zakhari breaks down how everyday people quietly drift into what he calls "permanent patient" status, why the healthcare system is designed around silos rather than solutions, and what five non-negotiables you should be focused on right now, starting with sleep. They also dig into the sandwich generation reality, caring for aging parents without a plan, the rising impact of cannabis on mental health, and why concierge medicine may be the model that finally puts patients back in control. If you've spent years planning your finances, but not enough time planning  for your health, this episode is your wake-up call. Filmed and recorded at Studio on the Avenue/LMC Media Mamaroneck, NY https://lmcmedia.org/ Produced and Edited by Vekterly https://www.vekterly.com/ Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

    45 min
  3. Ep 27- Don't Leave It to Your Kids: The Long-Term Care Planning Episode That Changes Everything

    Mar 19

    Ep 27- Don't Leave It to Your Kids: The Long-Term Care Planning Episode That Changes Everything

    Most people assume Medicare, Medicaid, or their family will handle their long term care. They won’t, at least not the way you're hoping. In this episode, host Rich Leimgruber sits down with Ray Hickson, a 25-year long-term care planning specialist, to unpack one of the most financially devastating blind spots in retirement planning. From nursing home costs topping $180,000 a year in New York to the surprising other costs, even with Medicaid, this conversation will change how you think about your future, and your parents'. 3 Things You'll Learn in This Episode: Why Medicaid may not be an option — and what happens to your family when your savings runs outThe difference between traditional and hybrid long-term care policies — and which one might actually leave money for your heirsWhen to start planning (hint: it's earlier than you think) — and the health event that could close the door on your options forever Sources for statistics mentioned in this episode: 1. Will You Need Long-Term Care? Here’s What the Statistics Say money.com/long-term-care-rising-needs/ 2.Source: Long-term care statistics 2026 www.singlecare.com/blog/news/long-term-care-statistics/ 3.How Much Care Will You Need? acl.gov/ltc/basic-needs/how-much-care-will-you-need Filmed and recorded at Studio on the Avenue/LMC Media Mamaroneck, NY https://lmcmedia.org/ Produced and Edited by Vekterly https://www.vekterly.com/ Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

    27 min
  4. Ep 26 - The 4 Things Hackers Want Most (And How to Protect Your Data)

    Mar 3

    Ep 26 - The 4 Things Hackers Want Most (And How to Protect Your Data)

    Every time you download a free app, accept terms and conditions, or search online, someone is building a profile on you, and most people have no idea how detailed that profile really is. In this episode, Rich sits down with Jammie, founder of TechInHerStep and one of the leading voices in digital privacy education, to break down what's actually happening to your data, and what you can do about it starting today. You'll learn: Why deleting an app doesn't delete your dataHow companies use your digital profile to charge you more than your neighbor for the same productThe 4 things you need to protect most, and the simple tools to do itWhy privacy isn't about hiding, it's about taking back controlIf you've ever wondered why your phone seems to know exactly what you were just thinking about, this episode will finally explain it. Listen now and share it with someone you love. Filmed and recorded at Studio on the Avenue/LMC Media Mamaroneck, NY https://lmcmedia.org/ Produced and Edited by Vekterly https://www.vekterly.com/ Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

    38 min
  5. Ep 25 - Money Mindset: How Beliefs Shape Your Financial Future

    Feb 17

    Ep 25 - Money Mindset: How Beliefs Shape Your Financial Future

    Your relationship with money isn't just about numbers, it's about mindset. This episode explores how limiting beliefs, fear, and scarcity thinking prevent people from achieving financial freedom, and how shifting to gratitude and abundance can transform your wealth-building journey. Former hedge fund manager Joel Solomon shares unconventional strategies from his bestselling book The Nine Money Rules Millionaires Use, including how your emotions drive every financial decision you make. Whether you're paralyzed by investment anxiety or simply want to align your inner beliefs with your financial goals, this conversation offers practical tools to break free from the mental blocks holding you back. Episode Highlights: How to recognize when fear is driving your financial decisions and simple techniques to shift into intentional money management.Why your everyday actions reveal your true money beliefs and how to identify which beliefs are limiting your wealth potential.The neuroscience behind gratitude practices and how a simple nightly ritual can rewire your brain for abundance and better financial outcomes.Filmed and recorded at Studio on the Avenue/LMC Media Mamaroneck, NY https://lmcmedia.org/ Produced and Edited by Vekterly https://www.vekterly.com/ Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

    40 min
  6. Ep 24 - AI for Business Owners: How to Scale Faster, Fix Operations, and Increase Profit

    Jan 27

    Ep 24 - AI for Business Owners: How to Scale Faster, Fix Operations, and Increase Profit

    Scaling a business sounds exciting, until growth starts creating chaos. In this episode of the EnRich Your Life Podcast, Rich Leimgruber sits down with Brian O’Connor, founder of Aevisor Solutions, to break down how business owners can scale with AI without losing control. Brian explains how operational discipline, clean data, and practical AI tools help founders improve cash flow, fix hidden inefficiencies, and build businesses that are scalable and sellable. Key Highlights: •Common operational mistakes growing companies make •How AI improves forecasting, pricing, and inventory decisions •Why dashboards fail, and where AI should live instead •Early signs your business isn’t ready for an exit Disclaimer: While AI can be helpful, it can also make mistakes, reflect biases, or produce incomplete information. Any AI-generated content should be considered informational only and not a substitute for professional advice. Always verify important details independently Filmed and recorded at Studio on the Avenue/LMC Media Mamaroneck, NY https://lmcmedia.org/ Produced and Edited by Vekterly https://www.vekterly.com/ Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

    31 min
  7. Ep 23 - Business Retirement Plans Explained: Avoid Costly Mistakes & Choose The Right One

    Jan 15

    Ep 23 - Business Retirement Plans Explained: Avoid Costly Mistakes & Choose The Right One

    Setting up a business retirement plan isn’t just about saving for later, it’s about reducing taxes, staying compliant, and making smarter decisions as your business grows. In this episode of EnRich Your Life, Rich sits down with a seasoned retirement planning Third Party Administrator (TPA), Brad Scherer. His role is to break down how business owners should think about retirement plans, what mistakes to avoid, and how recent regulatory changes can impact your strategy. Whether you already have a plan or are starting from scratch, this conversation will help you understand your options and avoid costly errors. Key highlights: How to choose the right retirement plan for your business goalsCommon compliance mistakes business owners don’t realize they’re makingWhat SECURE Act 2.0 changes mean for 401(k)s and catch-up contributionsWhen a cash balance plan actually makes sense Disclosure: Brad Scherer is not a client of Richard Leimgruber, no compensation cash or otherwise was not paid in exchange for his appearance in this podcast, and there are no known conflicts of interest.  Filmed and recorded at Studio on the Avenue/LMC Media Mamaroneck, NY https://lmcmedia.org/ Produced and Edited by Vekterly https://www.vekterly.com/ Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

    36 min
  8. Ep 22 - Roth Conversions Demystified: Tax-Free Retirement Strategies

    12/09/2025

    Ep 22 - Roth Conversions Demystified: Tax-Free Retirement Strategies

    In this episode of Enrich Your Life, host Rich Leimgruber sits down with Julia Fuentes, a Financial Planning and Coaching Strategist at Vanguard with over 20 years of experience in financial services. They break down the complex world of Roth conversions, exploring when it makes sense to pay taxes now versus later in retirement. Julia shares her personal journey into investing, starting with her first Roth IRA as a high school student, and walks listeners through the strategic advantages of Roth accounts, including tax-free growth, inheritance benefits, and no required minimum distributions. The conversation covers essential topics like the backdoor Roth strategy, the pro-rata rule pitfalls, and Vanguard's break-even tax rate method for determining optimal conversion timing. Whether you're just starting your career or planning for retirement, this episode provides practical insights into maximizing your tax efficiency and leaving a tax-free legacy. Key Highlights  The Inheritance Game-Changer: Understanding the 10-Year RuleThe Pro-Rata Rule Trap: How to prevent your Backdoor Roth Strategy from BackfiringStrategic Timing: When Market Downturns Create Conversion Opportunities Filmed and recorded at Studio on the Avenue/LMC Media Mamaroneck, NY https://lmcmedia.org/ Produced and Edited by Vekterly https://www.vekterly.com/ Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

    35 min
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About

A financial podcast hosted by advisor Richard Leimgruber, CRPC®, sharing practical advice and making financial wisdom accessible for all. Tune in for insights and tools that empower you to enrich your life and navigate your financial journey with confidence.

Information

  • Creator
    Richard Leimgruber, CRPC®
  • Years Active
    2025 - 2026
  • Episodes
    33
  • Rating
    Clean
  • Copyright
    © 2026 EnRich Your Life
  • Show Website
    EnRich Your Life