Make It Personal Podcast

Mutual of Omaha Advisors

Disclosure: This podcast is for educational purposes only. Strategies discussed may not be suitable for everyone. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC (www.finra.org) /SIPC (www.sipc.org). This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Not all Mutual of Omaha Financial Representatives are Financial Advisors. https://makeitpersonalpodcast.com/get-a-quote

  1. 1D AGO

    How to Fund Your Retirement AND Your Family’s Future| EP 72

    What if your money could do more than just cover retirement, what if it could build a legacy that empowers your children, grandchildren, and even great-grandchildren?  In this episode of Make It Personal, we introduce the Legacy Loop, a long-term wealth strategy designed to help you enjoy life now while creating a multi-generational financial foundation. This isn’t about get-rich-quick schemes or luck. It’s about intentional financial planning, smarter portfolio decisions, and building structures that protect and grow wealth over decades. You’ll learn how families balance lifestyle spending with legacy accounts, and how tools like trusts, endowments, and strategic life insurance can provide protection, liquidity, and long-term flexibility. We also explore how investing in future-forward opportunities, like AI infrastructure and sustainable technology, can compound across generations. But the biggest missing piece for most families isn’t just money, it’s financial literacy. Because wealth without education often disappears.  If you’ve ever wondered how to create generational wealth, fund retirement confidently, and give your family a real head start, this episode is your blueprint. You’ll learn: → How to balance retirement income planning with long-term legacy building without draining family wealth later.  → How to use enduring wealth structures like trusts, endowments, and advisory frameworks to protect assets and keep generational planning organized.  → How strategically designed life insurance can create liquidity, fund family needs, and jumpstart a legacy plan even when other investments are modest.  → How mentorship and financial education turn inheritance into a repeatable wealth system where each generation reinvests, innovates, and strengthens the cycle. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    5 min
  2. MAY 14

    Why Waiting Until April Could Cost You More in Taxes | EP 71

    If April is the only time you think about taxes, you may be paying more than necessary.  In this episode of Make It Personal, we break down why tax strategy is not just about filing returns or staying compliant. It is about building year-round control over your income, expenses, cash flow, and long-term financial decisions. This episode is for business owners, entrepreneurs, and S-corp owners who want to stop reacting to tax deadlines and start using proactive tax planning to make smarter moves before the year ends. You will learn how tax projections, timing decisions, retirement contributions, equipment purchases, and compensation planning can all affect what you owe.  If you want better business tax strategy, lower stress, more financial clarity, and more confidence around growth decisions, this episode will show you why proactive tax planning matters and how it can help you keep more of what you earn while making better decisions throughout the year. You’ll Learn: → Why taxes should be treated as a year-round business discipline instead of a once-a-year event.  → How the timing of income and expenses can change your tax outcome, why equipment purchases before year-end may matter, and how retirement contributions through the business can play a role in a smarter tax plan.  → How S-corp owners can think about salary and distributions more strategically, and why reviewing tax projections during the year can help you make better hiring, investing, and growth decisions.  This conversation is all about proactive tax planning, business tax strategy, tax projections, year-end tax moves, and financial clarity for entrepreneurs who want more control and fewer surprises. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    2 min
  3. MAY 7

    How to Build a Business You Can Actually Walk Away From | EP 70

    If your business could not run without you tomorrow, your retirement plan may be more fragile than you think. In this episode of the Make It Personal Podcast, we continue the Seven Pillars series from Profit, Protect, Prosper by breaking down retirement planning and exit planning for business owners.  This conversation is for entrepreneurs, founders, and owner-operators who want more than just a someday dream. It is for people who want financial freedom, a stronger business valuation, better succession planning, and a real path toward retiring on their terms. We talk about why owner dependence lowers business value, how recurring revenue and documented systems can raise company value, and why building assets outside the business matters long before you are ready to exit. If you want to sell your business someday, step away gradually, or simply know your company can survive without you, this episode will help you think differently about business continuity, retirement readiness, and long-term personal wealth.  The earlier you start planning your exit strategy, the more freedom, flexibility, and negotiating power you create for the future. You’ll Learn: → Why a business that depends on the owner is often seen as risky by buyers and how that can affect business valuation when it is time to sell.  → Why leadership depth, documented processes, and reliable recurring revenue can make your business more transferable and more valuable.  → Why retirement planning for entrepreneurs should include assets outside the business, so your future is not tied to one company outcome.  → What defines a successful transition, whether you plan to exit in a few years or simply want a business that can operate without you for six months. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    2 min
  4. APR 30

    The Empty Nest ‘Money Shift’ No One Warns You About| EP 69

    No one tells you this part: when the kids leave home, it’s not just the house that feels different, it’s your money. Your grocery bill drops, your calendar opens up, and suddenly the financial rules you lived by for decades don’t apply the same way. If you’re an empty nester (or about to be), this is the moment most people skip… and it can cost you years of financial momentum.  In this episode of Make It Personal, we’re talking about the empty nest money shift, how your cash flow changes, why your mindset changes, and what financial freedom can look like before retirement. Because these years aren’t a financial wind-down, they’re a season of autonomy. This is where you can increase saving and investing without sacrificing lifestyle, pay down debt aggressively while still enjoying life, travel without school schedules, and start planning for legacy with clarity. If you’ve been running a family-first budget for decades, this episode will help you move from obligation to intention, and build a plan that fits who you are now.  Empty nest planning, retirement planning, purposeful spending, investing strategy, and legacy planning all start here. You’ll learn: → How the financial landscape changes when the last child leaves home and why that shift creates a rare opportunity for intentional money decisions.  → How to rethink purposeful spending so you can spend without guilt while still building long-term security.  → Why empty nest years aren’t just a countdown to retirement, but a powerful window to increase retirement contributions, adjust investing strategy and risk tolerance, and make smarter debt payoff moves.  → We’ll also explore legacy planning in a more meaningful way, how to support adult children without creating dependency, and how to align your money with your values, impact, and the story you want your choices to tell. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    6 min
  5. APR 23

    How to Pay Yourself Consistently as a Small Business Owner

    Are you a small business owner who keeps saying, “I’ll pay myself later”?  In this episode, we talk about how to pay yourself consistently as a small business owner without guilt, stress, or guesswork. Too many entrepreneurs pour every dollar back into the business and call it discipline, but if your business cannot pay you reliably, it may not be a sustainable business model. This episode is for business owners who want more stability, better cash flow habits, and a smarter owner compensation strategy that supports both personal finances and long-term business growth. You’ll learn why paying yourself is not selfish, how a structured owner pay system can reduce emotional decision-making, and why personal financial stability helps you lead your business with more confidence and clarity.  If you have ever wondered how much to pay yourself, when to pay yourself, or whether your business is truly supporting your life, this conversation will help you rethink your approach and create a more intentional compensation plan that builds wealth inside and outside the business. Highlights: → How inconsistent owner pay creates stress and reactive decision-making → How setting a percentage of revenue or profit for owner compensation can create discipline → Why paying yourself consistently improves both business clarity and personal stability → How to stop relying on whatever money happens to be left over at the end of the month.  This conversation also explores the connection between business structure, personal wealth building, and sustainable entrepreneurship for small business owners. → Download The Game of the Decade eBook → Download the Seven Principles eBook → Instagram → Facebook - Mutual of Omaha Advisors → Sign Up For a Free Financial Strategy Meeting Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    2 min
  6. APR 16

    How a 13-Week Cash Flow Forecast Can Save Your Business | Ep 67

    Cash flow is the difference between running your business with confidence and checking your bank account in panic mode every day. In this episode, we break down why revenue is vanity, profit is opinion, and cash is survival for small-business owners who want more stability, less stress, and better decision-making.  If you have ever wondered why your business can look healthy on paper but still feel financially tight in real life, this conversation will help you understand the real issue. We explore how cash flow clarity gives business owners more control, more peace of mind, and more resilience when clients pay late, expenses rise, or uncertainty hits. This episode is for entrepreneurs, founders, and small-business owners who want smarter money management, stronger financial visibility, and a better way to plan ahead instead of constantly reacting.   If you want to improve business cash flow, strengthen liquidity, and make more confident financial decisions, this episode is a practical place to start. It is also part of our Seven Pillars of Smart Money Management for Small-Business Owners series, designed to help you protect what you are building and lead with greater clarity. You’ll Learn: → Why cash flow is more important than revenue when it comes to business stability and day-to-day peace of mind.  → Why two businesses with the same top-line revenue can feel completely different depending on their liquidity, reserves, and visibility into upcoming cash needs.  → Why a 13-week cash flow forecast is one of the most practical tools a resilient business can use to anticipate pressure early, adjust spending, manage receivables, and make smarter decisions before cash gets tight.  → How weak cash flow affects your mindset, causing delayed hires, reactive decisions, and second-guessing, while strong cash flow creates confidence, flexibility, and control. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    3 min
  7. APR 9

    The Truth About Reverse Mortgages (It’s Not What You Think)

    Reverse mortgages have a reputation, and not a good one. Many people believe they’re risky, predatory, or only for those in financial trouble. But is that actually true? In this episode of Make It Personal, we break down the real story behind reverse mortgages, separating fact from fiction so you can make smarter retirement decisions. If you’re a homeowner nearing retirement or already retired, your home equity may be one of your largest untapped assets. Yet it’s often ignored in retirement planning conversations. This episode explores when a reverse mortgage might actually make sense, how it compares to other strategies like HELOCs or portfolio withdrawals, and what safeguards exist today to protect borrowers. We’re joined by industry expert Chris Bruser, who shares real-life examples, common misconceptions, and practical insights to help you understand how reverse mortgages really work. This is not about selling you on a strategy, it’s about giving you the clarity and confidence to make decisions based on facts, not fear. You’ll Learn: → You’ll learn what a reverse mortgage actually is in plain English and how it differs from a traditional mortgage. The episode covers the biggest myths, like whether the bank owns your home or if your heirs lose everything, and explains the real impact on legacy planning. → We also dive into how reverse mortgages fit into a broader retirement income strategy, including when they may be a smart move versus when they should be avoided. You’ll hear real-world use cases, including how retirees use home equity to improve cash flow, fund healthcare, or reduce financial stress. → Finally, we break down the process, risks, and built-in protections like HUD counseling and non-recourse features so you can evaluate this option with a clear, informed perspective. → Download The Game of the Decade eBook → Download the Seven Principles eBook → Instagram → Facebook - Mutual of Omaha Advisors → Sign Up For a Free Financial Strategy Meeting Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    30 min
  8. APR 2

    Making Sense of Your HSA: What It Is, How It Works, and How to Get One| EP 65

    Could one account help you save on taxes, cover healthcare costs, and support your long-term financial goals?  In this episode of Make It Personal, we’re diving into the Health Savings Account, or HSA, a powerful but often misunderstood tool that can help you manage today’s healthcare costs and prepare for future ones. Whether you’ve heard the term or are already enrolled in a high-deductible health plan (HDHP), this is your guide to understanding what an HSA is, how it works, and how people typically get started. Host Mark Zagurski breaks it all down in real-life terms, from tax benefits to investment options, from eligibility to everyday use. You’ll learn the different ways an HSA can support your medical needs now, grow savings for later, and even provide flexibility in retirement. Key Takeaways: → An HSA offers triple tax benefits: contributions may be tax-deductible, growth is tax-deferred, and withdrawals for qualified medical expenses are tax-free. → Funds carry over year to year, no “use-it-or-lose-it” deadlines like other accounts. → Some providers allow investing HSA balances once a threshold is met, potentially growing your funds over time. → After age 65, non-medical withdrawals avoid penalties, though income tax may apply. → To open an HSA, you must be enrolled in a qualifying HDHP, and can typically do so through an employer, a financial institution, or your insurance provider. “Healthcare choices aren’t just about premiums and deductibles, they’re about your peace of mind, your family, and your financial well-being.” 🩺 Curious whether an HSA fits into your healthcare and financial strategy? Visit makeitpersonalpodcast.com to connect with a Mutual of Omaha advisor who can walk you through your options. And don’t forget to subscribe and share this episode with someone weighing their health plan choices. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    6 min

Trailer

5
out of 5
14 Ratings

About

Disclosure: This podcast is for educational purposes only. Strategies discussed may not be suitable for everyone. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC (www.finra.org) /SIPC (www.sipc.org). This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Not all Mutual of Omaha Financial Representatives are Financial Advisors. https://makeitpersonalpodcast.com/get-a-quote

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