18 episodes

There's something that happens when you turn 50. Suddenly, retirement becomes a real thing. It's something that doesn't seem that far away anymore! But don't fret....there's still time to get organzied, get focused, and make progess! There's still some runway left.

The Runway Decade Podcast helps pre-retirees in their late 40's-early 60's get prepared for retirement.

Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 8280 YMCA PLAZA DR BLDG 5 BATON ROUGE, LA 70810

The Runway Decade Podcast Bill Bush, CRPS® and Pete Bush, CFP®

    • Business
    • 5.0 • 2 Ratings

There's something that happens when you turn 50. Suddenly, retirement becomes a real thing. It's something that doesn't seem that far away anymore! But don't fret....there's still time to get organzied, get focused, and make progess! There's still some runway left.

The Runway Decade Podcast helps pre-retirees in their late 40's-early 60's get prepared for retirement.

Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 8280 YMCA PLAZA DR BLDG 5 BATON ROUGE, LA 70810

    That Championship Feeling

    That Championship Feeling

    On today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group talk to two-time NCAA baseball coach of the year Mike Bianco. He is the head coach Ole Miss, the reigning College World Series Champs, and reached the pinnacle of his sport and career by winning the national championship.
     
     
     
    Episode Highlights
    2:47: Mike is fortunate to do what he does as a baseball coach and works with young people in intercollegiate athletics, and when you go to work, there are thousands of people watching you what you do. 3:30: Mike played at LSU, went to the College World Series as a player and then was an assistant for the legendary Skip Bertman for five years and was fortunate enough to go to the World Series four times as an assistant coach and won three national championships. 4:42: At Ole Miss Mike says he’s got a great fan base. They were in the top five in national attendance for the last 15-16 years or so and have been in the top two or three along with LSU and some other of our counterparts in the Southeastern Conference. 8:08: Mike knew LSU had a great coach and they played in Southeastern Conference, and he got an opportunity visit there and fell in love with the place and great campus and a great coaching staff and he just wanted to play college baseball. 9:50: Back in the days, you could go to spring training game and lean over the dugout and hand your ball and Tony Perez would grab it, sign it, hand it back to you but you can't do that anymore. But that was a cool time, says Mike. 12:42: Mike says it was very different to play under coach Bertman. He told them that they were getting a PhD, Harvard Education in baseball and they laughed when they were at that age, but it was true. 15:31: In year 1989, we didn't play well all year long either but it's interesting how teams end up being in the World Series and all kind of different paths, says Pete. 16:50 Mike beats Auburn on the road to remain number 1 and so they were number one for two weeks in a row and then they came home and got beat up by Tennessee and that set us into a tailspin for about six weeks where they didn't play well for a few weeks and lost some series they probably shouldn't have. 20:11: Mike explains how it is terrific for a team to hear from a guy that has worn the uniform, a guy that has won a national championship and now is a successful businessman. 22:39: Mike explains how fortunate he was that he started drawing in the people who bought into this vision of baseball and they started having success and they needed to build seats. 28:01: If someone is good enough to play sport, they are good enough to play anywhere. 30:48: Keeping championship and all that aside, Mike feels super blessed in so many ways to be able to do and work and do something that he loves to do and has done it basically his whole life because not so many people get to do that. 32:31: Mike and his wife were putting $50 away in a retirement plan, so thankfully that they started it then when they were trying to play catch up because in your mid 50s and you're so thankful that you were disciplined and that you did it earlier. 35:30: The first time on the ESPN coverage Bill saw that he was hugging one of the players and the second shot of Mike is hugging one of the Oklahoma guys and really struck him that sportsmanship is certainly a pillar of what you preach. 43::37: Every kid or every person of our age remembers sitting and watching, like Hill Street Blues or whatever that show was with your family and that was really a cool time. 45:13: If you are playing the sport, you're supposed to have fun. You are supposed to try to succeed. Not sit there and scared and hope and have moms clap that you have a good eye, says Mike.  
     
     
    Three Key Points
    Mike was one of the fortunate folks who has carved out a career in this great sport of baseball. He takes the listeners back to where it all began. Mike talks about his re

    • 49 min
    Empowering Entrepreneurs via Coaching & Innovation

    Empowering Entrepreneurs via Coaching & Innovation

    In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group talk to Colleen Bowler. She is an entrepreneur, an author, a very successful financial advisor and has now transitioned into another entrepreneurial endeavor. She also has coached many financial advisors and has developed a unique business to further help advisors reach other people and help other people.
     
    Episode Highlights
    3:09: Colleen and Pete had known each other since 2008. On the side, she had been to the program called Strategic Coach, which is a coaching program for entrepreneurs and after three years they asked her to coach. 4:19: Those who are professional athletes, professional entertainers, they all know they need multiple coaches but we as entrepreneurs, we are kind of late to that game, says Colleen. 6:59: One of the things Pete really love about strategic coach is just the kind of overlapping concerns they have or things to work on as an entrepreneur regardless of what industry you are in. 8:10: If you are an entrepreneur and you have been in business three years and your income is over $250,000, you are in a real elite group of entrepreneurs because the average entrepreneur in the US and Canada makes $50,000 a year. 09:02: Colleen was raised in a family that really was about values and about generosity, but there wasn't a lot of focus, especially for women. 12:17: There needs to be more adoption and roles in the industry for females and as per Pete that's been gradually changing, but it needs to happen a little quicker. 15:25: Colleen is formulating tools and assessments that financial advisors can use in their practice, and they can expand the conversation in a process driven way that everybody can go through. 17:01: As a coach Bill knows that thinking about the problem is sometimes the hardest part of the profile. 18:02: In business or movements, you put money in, and the output is also money. But in other endeavors like charitable endeavors of all kinds, you may put money in, or you may put time and effort in, but money doesn't come out. Something else comes out, says Pete. 21:52: It doesn't matter how much money you have if you wake up in the morning and you don't have a purpose. 25:37: Colleen had many clients who one partner needed to be taken care of, and she had no one ever say she is not going to take care of her partner, but she did see a decrease in what they could do either for themselves in living.  
     
    Three Key Points
    As per Colleen it's a great asset to working with advisors and doing the coaching phase with advisors because she believes financial advisors have a huge impact on the world. Colleen's book Generous Kids is about teaching our kids the habit of giving. Just like we teach them to brush their teeth, we can teach them the habit of giving. One of the best things we can do to increase longevity is to live in the present and be in the present and Colleen is trying to do more of that.  
     
     
    Tweetable Quotes
    "I have been able to see Pete's magic in unique process and I think runway decade is just a big piece of that." – Colleen "In the real-world people have been in business as entrepreneurs over 10 years is really small." – Pete "When I grew up, I really wanted to be a pediatrician, but that was not a possibility then at that time. I started a nurses training but decided I didn't want to do it." – Colleen "There are so many different ways now that we can do the coaching, like podcast, books, etc." – Colleen  
     
    Resources Mentioned
    https://www.linkedin.com/in/colleen-bowler-cfp%C2%AE-09576796/ https://candjinnovations.com/ Podcast Editing  

    • 33 min
    Fulfillment by Supporting & Leading Others

    Fulfillment by Supporting & Leading Others

    In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are talking with Brett Harrison, the CEO of Cetera Advisors. Brett began his career in Georgia with a predecessor firm to Cetera, and he has had a very successful career in financial services.



    Episode Highlights
    3.29: Brett started as a CPA out of College in Georgia, in Atlanta. He learned quickly and he didn't like having to be perfect all the time, nor be a historian because it was a little bit restrictive for him as per his personality. 4.16: Being 56 at this point brings a lot of different perspectives on the profession as well as relationships and things like that, says Brett. 7.38: Brett probably had three or four mentors in his business throughout the years and for whatever reason they put their arm around him and took pride and helped him along. 9.46: Brett talks about his 50th birthday, how did he celebrate it? What happened to him mentally or psychologically as he went over that half century mark. 11.11: As per Brett 60 is the number that he wanted to be well,  in a way of providing benefits to this world in a different way. 12.57: There are lots of different aspects of being in your 50s and it does provide a lot of experience and a lot of wisdom of how to help people and think through different kinds of situations in life, says Pete. 14.07: Bill got a chance to see Brett speak in front of a group not that long ago and the average age of advisor was mid or late 50s. Brett talks about the challenges that brings to the financial services industry in speaking to advisors in age 50s. 15.22: Brett is getting a lot of good satisfaction with the ability to use his background and his knowledge of all these years to help advisors think about things they have never had to think about before. 20.52: In COVID we have tech advisors who helped to create digital presence and be more favorably recognized in Google searches because when everyone is remote and they see you the first time, they Google you. 21.22: How you show up out in a digital presence is a perfect example of some of the benefits that we have been able to help advisors think about and implement their businesses as a result of COVID, says Brett. 23.09: As per Pete, you have to be somewhat of a chameleon in how you are dealing with the different personalities and different situations that you have to run into and what they think about shutting down or remote work or not remote work and all that. 24.52: Brett's first job was to help the one person wash his horses after practice, squeeze them off with the squeegee, put a big blanket on them, then you walk them around and get them to cool down. It was his first paying job for about 2 bucks an hour. 31.05: The book, The Runway Decade", gets your mind going on things that you may or may not be thinking about. It's not too technical, but it'll have you start asking, all the right kinds of questions as you prepare for your runway.



    Three Key Points
    Brett shares his journey and how his career folded. He talks about his guiding force and who gave him good advice along the way and encouraged him in some way? Somewhere down the line, Brett Harrison is going to go off into some version of retirement. Brett shares his thought on what does retirement means to him. Brett talks about his bucket list and what he plans to while he still has his health.  Tweetable Quotes
    "I fell in love with the financial advice profession about 26 years ago and I have spent the better part of my career in those 26 years working at the company that I helped and lead a division till today." – Brett "What I am really enjoying is helping advisors think about what's the next step for their business and as an executive leader with the firm that they are affiliated with can be helpful in that." – Brett "After retirement, I want to give myself an opportunity to let my brain kind of clear out and during that time,

    • 32 min
    Helping Neighbors and the Community Grow

    Helping Neighbors and the Community Grow

    In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are talking with Steve Webb, Chief Executive Officer at Neighbors Federal Credit Union.
     
    Episode Highlights
    06.00: Steve talks about the growth of Neighbors Federal Credit Union. How he has watched its growth from $68 million to $1.3 billion. 07.13: Steve talks about the acquisition game that they got into. It's about a decade ago they did one acquisition. But most of their growth was organic and acquisition was about $45 million. 11.03: Steve explains how their entire model of business is based on taking appropriate risk and receiving a reward. 12.09: You have to really enjoy where you are spending your time. You have got to enjoy the people you are working with every day, says Steve. 12.52: Bill, Pete and Steve discuss the importance of work life balance and how important it is to maintain it. 14.07: Pete shares he has two grandkids now and how they change his perspective about things, about the future and about life and everything else. 17.02: As per Steve, goal of any parents is to produce productive members of the society. 18.00: Bill says that they have this thing called the runway decade and it's about life in your 50s. 18.27: 50 was an interesting year for Steve, because it was when he was promoted to CEO of the organization. 19.05: 50 makes you think of your mortality and that life doesn’t go on for forever, says Steve. 21.40: Steve always tells people all the time that mobility is a quality-of-life equation to be if you can't walk or move or do things, it really impacts you. 24.40: When you start talking about retirement and you think you got a few years to plan, you better start planning today because every day you wait, that time is going by. 25.20: Steve has talked to a few folks about what is that next step as well. It's going to be a few weeks or months of just chilling, but after that you can't stay on the sidelines forever. 30.01: Steve says that they do a lot of Community efforts. They have high school checking account programs where they actually donate money back to schools. They have tuition and grant programs where they assist students with furthering their education. 31.00: One of Steve’s mantras here is they talk about financial confidence and financial confident people make the world better because the lack of money or the lack of understanding about financial stuff does the opposite.  
     
    Three Key Points
    Bill, Pete and Steve talk about their work and family and how they balance work and life. Steve talks about life at 50 and how his mindset has changed in a good way for healthcare. Steve shares what retirement means to him. For Steve retirement is an opportunity to do some things that you really don't get the opportunity to do today.  
     
     
    Tweetable Quotes
    “There have been things that... obviously, initiatives that we have taken on that necessarily weren't successful and, sometimes you've got to realize that and you've got to be willing to say, hey, it was not a bad idea, might have been a bad implementation, but at this point in time the bad decision is to continue pushing through for something that's obviously not working.” – Steve “I don't care how hard you work and how many hours you put in a day. At the end of the day, if you're just burning yourself out, you're not really helping anybody.” - Steve “I tell people all the time outside of where ...I work inside all day long, Monday through Friday and typically in the office. So anytime I can get outdoors, I'm outdoors.” - Steve “You've got to get back and engage in something and you just have to have the willpower and the strength to not let yourself get roped into turn into a 60 hour gig every week again.” - Steve “Everybody's got their thing that they look forward to and we don't have, I don't golf or hunt or fish or do all those things, although I would go to enjoy time with so

    • 39 min
    An Early Vote of Confidence

    An Early Vote of Confidence

    In today's episode of the "The Runway Decade Podcast", hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are talking with Pat Cuntz, a successful business leader in Baton Rouge. He was baseball player at LSU before he became a successful business owner.
     
    Episode Highlights
    30: Pat met Pete somewhere between 1985-1986. Pete was a freshman the year after Pat had finished playing baseball. Pat was hanging around, finishing school and the two got to be friends… and ended up living together for a little bit. 18: Pat's first year in baseball at LSU was around 1981-82, and he played for a couple of years, but things were a lot different under his first coach. LSU baseball certainly wasn't anywhere near what it is now, but he was there to see the change when Skip Bertman took over the program. Pat was on Skip’s first team at LSU 43: Pat has been the luckiest guy on the planet because when he talked to coach Bertman about graduating and going into business, Coach said “you are going to do great”, and it gave him a different level of confidence. 11: Pete says he wasn't a great player either. It made him work harder at taking in all other things that Bertman tried to talk about to us. 14: Pat left LSU not only with a degree, but he meets his wife, another athlete. 08: Pat dated Cecelia for 10 years before they got married. He and his wife were friends who kind of hung around each other a little bit more, and then next thing you do…go on a date. 05: Pat dated for 10 years and then he got married, and then 10 years later, Christopher Cuntz their only child came along. 30: Once, a successful real estate businessperson said to Pat that, work for Motorola and get to know that corporate world and learn from it. Learn the good, learn the bad and then eventually go work for yourself. 52: The goal was always to go acquire some other companies in South Louisiana and we are going to build this business from New Orleans through the 10-12 corridor, all the way through Beaumont, into Houston and Pat really enjoys it. 04: Pat says that he and his family have been lucky enough to communicate the gifts that we have been given. There are things they want to do, and he doesn't know what that means today, but we talk about how we will help some people out. 50: If you are a person of faith, life is about helping people. It is about helping the less fortunate, says Pat.  
     
    Three Key Points
    Pat went to Houston for training period of about 3 months after getting offer from Motorola and had a funny story about when you talk about confidence and how things play out. The atmosphere for the world of baseball or football or basketball or any type of sports across country is so different. The parents, the kids, even the opposing people, everybody cheers for everybody, and everybody is rooting for everybody. You can make a bunch of money, you can have all the plans, but at the end of the day, it's all about what do you want to do and what do you want to do with it, says Pat.  
     
    Tweetable Quotes
    "The whole early era of Skip’s teams is kind of a big fraternity of guys that did spend a lot of time together off the field as well." – Bill "When I was getting out, I was in business marketing, and I wanted to go into some type of sales where you didn't have those aptitude tests." - Pat "When I came to work for EMCO, my really good friend ended up being my business partner. I was running the communication side and Todd ran the information technology side and there was always an intention of buying the company." – Pat "COVID showed me I can't work from my house. I'm way too easily distracted. I have got to get up and go somewhere." – Pat "I have to say I’ll never really retire. I got to do something and as long as I enjoy what I'm doing and they allow me to do this, I'll continue to do this." - Pat  
     
    Resources Mentioned
    https://www.linkedin.com/in/pat-cuntz-208b424/ Podcast Editing www.runwaydecade.com  

    • 34 min
    Seven Days That Changed Everything

    Seven Days That Changed Everything

    In today’s episode of the “The Runway Decade Podcast”, hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are talking with Angela Decoteau, a mom, and a great family person. who had a transformation in her 50s. Angela talks about her close family in South Louisiana, how she got interested in going to law school, then how she transitioned to being a lawyer in trust and estate planning. Angela also talks about her family story, which gave her the incentive to go into this profession and follow down that path.
     
    Episode Highlights
    02:30 – Bill introduces Angela and tells her to talk a bit about herself and her story. 05:00 – Angela says that while growing up she went to East Ascension High School. 07:20 – Angela really invested hard in her kids and told them to do whatever they want to. She told them to be adventurous when they grow up, and do wonderful things in the world. 09:10 – Bill enquires from Angela and wants her to talk about the inflection point where a big event took place in her life. 13:30 - Angela decided to do something that no one in her family had ever done. Not only did she blast her cultural lid, but exploded it by deciding to go to college at the age of 50. 15:35 – After finishing school, Angela decided to do her Real Estate business and started doing that. Besides, she also got herself certified in the John Maxwell coaching program to become a coach. 16:50 - We don't show people who we really are, but a coach will reveal who you really are and how you really think. 20:45 – During Angela’s time in Law School, finally she realized that it had been ingrained so far deep into her mind that she can't achieve it. Her brain was saying no while her body was saying yes. 23:00 – Angela reveals how she got into estate planning. 25:10 – The right to the property is like a three-layer cake and Louisiana is Usus, Fructus, and Abusus. 27:30 – Angela says that her grandfather passed, her grandmother got older, and with age became feeble. She didn't have a lot of money, they didn't have a big retirement plan, a small pitch, and a little bit of Social Security. 30:00 – Referring to her ancestral property in Louisiana, Angela suggests that at the time somebody passes you have to make sure to get a good estate plan. So, you need to have a good attorney because there are a lot out there who do not care for the family. 32:00 – Angela mentions that she has a business coach that's helping her to create the best firms where she can service her clients and he keeps asking if she needs some time off. 34:00 – Bill asks Angela about her favorite TV show as a kid. 35:55 – Another question Bill asks Angela about her favorite go-to restaurant. 36:45 – Angela understands a lot about business, and not so much about attorneys, but she has realized that people don't go to attorneys because of various barriers.  
    Three Key Points
    Angela reveals that of all the women in her family including her grandmother, and mom, no one even graduated high school. So when she graduated high school was a big deal. Her family was proud; they all came to the graduation ceremony and everyone celebrated as the whole family was excited because she graduated high school. Later Angela got married and raised her family comprising three kids and 14 grandkids. She loved raising her kids, partially even raising her grandkids and after that, they just got a little quiet. At 50, Angela had a great 30-year marriage, she had her nonprofit, and it was going to be her next life after the kids were going to go out into debt sounds great. She was into the real estate investment business and was living her best life with a real estate investment deal. That’s when she hit a snag that took their money with it, and they as a family were shaking and on the verge of bankruptcy. Her nonprofit had hit a snare and wiped out. Thousands of people who were following Angela around the world went away overnight. Besides, her m

    • 40 min

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