Retire As You Desire

Bill Bloom

Navigating the ever-changing waters of life can be rough, but when it comes to retirement you don’t need to do it alone. The Retire As You Desire Podcast asks those hard questions regarding finances in preparation for your retirement with Bill Bloom RICP®, principal of Bloom Financial Company and your host. Join Bill, a money simplifier, each week by discussing intentional questions to propel you toward your desirable retirement. Understanding retirement does not have to be difficult. If you understand, then you will make better decisions on how to have a happy and successful retirement for you and your family. There is one life to live--so take the helm, plan ahead, ask questions, and tune in with Bill on the Retire As You Desire Podcast! For a list of important disclosures, please visit my website at bloomfinancialco.com. Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. read less
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Episodes

🚩4 Red Flags When Working With a Financial Advisor: AVOID THESE AT ALL COST 🚨
Mar 8 2024
🚩4 Red Flags When Working With a Financial Advisor: AVOID THESE AT ALL COST 🚨
Four Red Flags: How to Identify a Trustworthy Financial Advisor The business of personal finance can be daunting, especially when it comes to entrusting your hard-earned money to a financial advisor. Making the wrong decision is fraught with peril, considering the array of investment options and the potential for financial mismanagement.  It’s your hard earned cash on the line! So what can you do to identify a trustworthy financial advisor? In this blog, we'll explore the four red flags that serve as warning signs before partnering with a financial advisor. By understanding these indicators, you can confidently seek a professional who aligns with your financial goals and prioritizes your interests. 1. "No" Syndrome: The first red flag is when a financial advisor adamantly advises against specific financial products, be it annuities or mutual funds. While certain investments may not suit everyone, a one-size-fits-all approach is seldom in the best interest of the client. How to Find a Good Financial Advisor: Look for advisors who operate under fiduciary standards. Fiduciaries are obligated to consider a wide range of products and tailor their recommendations to individual client needs. A refusal to explore certain options may indicate a lack of commitment to your financial well-being, but it also constitutes a dereliction of duties.  Walk away! 2. The Cookie-Cutter Approach: Another warning sign is the adoption of a rigid, one-dimensional methodology. If your financial advisor insists on a singular approach, such as exclusively setting up traditional IRA accounts or favoring a particular investment product, it again raises concerns about their fiduciary responsibility. How can they be looking out for your best financial interests, if they take no interest in your financial interests? In other words: they need to tailor your investments, to achieve your particular goals. Not someone elses!  A trustworthy advisor should customize your investment strategy based on your unique financial situation, goals, and risk tolerance. A cookie-cutter approach often overlooks individual nuances, potentially compromising your financial success. 3. Co-Mingling Investments: Pooling client investments with those of the advisor is a practice that raises eyebrows. While having similar types of investments is common, replicating the same portfolio for all clients can lead to conflicts of interest and price manipulation. Ensure your advisor maintains transparency regarding investments and doesn't concentrate all clients into identical funds. This practice could compromise the integrity of your portfolio and may not align with your personalized financial objectives. We wouldn’t dream of doing that for our clients here at Bloom Financial. How can I be making objective decisions about your finances, if I have a personal vested interest in the outcome? 4. The Silent Treatment: The most crucial red flag is if an advisor fails to listen to your concerns, preferences, and risk tolerance. A financial advisor's role is not just about managing money but understanding your financial aspirations and tailoring strategies accordingly. If you a talking to a prospective financial advisor, and they are showing signs of apathy towards your brief: walk! . The right advisor should actively listen, consider your feelings, and craft a plan that resonates with your financial goals. Conclusion: Selecting a financial advisor is a pivotal decision that requires careful consideration. Trusting someone with your money is a big decision and not one that you should take lightly.  By identifying these four red flags, you empower yourself to make an informed choice. Seek a financial advisor who operates under fiduciary standards, embraces a customized approach, avoids co-mingling investments, and, most importantly, listens to your unique financial needs. Don't settle for less – your financial future deserves a dedicated advocate who values your goals as much as you do.
Watches Are Not Investments
Feb 23 2024
Watches Are Not Investments
Title: Watches Are NOT Investments: Beyond The Fads and False Numbers Introduction: In the sometimes ‘mirky’ world of investments, the allure of unconventional assets can be tempting, especially when the likes of the Wall St Journal boast about watches outperforming the stock market.  However, as we will discover, the truth behind such claims may not be as promising as they appear. For the discerning professional seeking robust investment vehicles, this blog aims to shed light on the pitfalls of fad commodities and advocate for a more informed approach. Unmasking the Illusion: Many prominent publications annually tout the outperformance of watches compared to the stock market. It's an attention-grabbing headline that might have led some to consider certain luxury timepieces as a viable investment option. However, it's crucial to understand that not everything that glitters is gold. The Reality of Watch Investments: Let's break down the scenario presented in the report. If one were to purchase a $10,000 Rolex and, through secondary market dynamics, its value increases to $15,000, you’d assume that you could look forward to a $5,000 profit. However, after factoring in taxes, the $10,000 watch could realistically translate to $11,000. Moreover, attempting to sell this watch to a secondary market dealer means you’re not going to get the full market value. They have to make a profit after all. The dealer's offer may hover around $11,000 or $12,000. This discrepancy between perceived value and actual return underscores the importance of due diligence before leaping into trendy investment avenues. And sure, you could attempt to sell the watch to the end-user yourself. Invariably though, you’ll end up wanting to advertise it online, via a reputable platform (to avoid scammers and time wasters) and that will come with a hefty advertising fee, shipping costs and the risk of posting high value items.  Diversification: Beyond Watches and Wall Street Hype: As a seasoned professional, it's imperative to consider diversifying your investment portfolio beyond the conventional choices of stocks and real estate. While the allure of watches may seem enticing, there are more prudent options that warrant serious consideration. When one looks at the value of watches on the secondary (or ‘Grey’) market, in recent years they have proven to be something of an unstable commodity. Certain hype models rocketed in value during the pandemic, but have since halved in value and continue to drop.  The same has been true of Bitcoin, and while yes: there are huge gains to be made overnight, the inherent volatility that comes with it, is not worth the gamble with a significant proportion of your investments.  Roth IRA: A Strategic Investment Approach: One such avenue deserving attention is the Roth IRA. Rather than succumbing to the appeal of quick profits, channeling your capital into a Roth IRA can offer a strategic and tax-efficient alternative.  Even if this is not your only source of investment, you should consider it for a significant proportion.  Research: The Cornerstone of Informed Investing: Before deploying your capital into any investment, be it watches or Roth IRAs, diligent research is non-negotiable. The seductive headlines may grab attention, but a discerning investor delves deeper. Understand the intricacies of the investment vehicle, weigh the risks and rewards, and align it with your long-term financial goals. Conclusion: Get Your Money Right In the dynamic world of investments, it's crucial to look beyond the surface and critically assess the opportunities presented. Remember, getting your money right is not just about avoiding the pitfalls; it's about making choices that withstand the test of time. We are talking about being able to retire after all, which requires a considered approach to risk.  As you navigate the investment landscape, let wisdom, research, and a forward-looking approach be your guiding principles.
Why You SHOULDN'T Retire
Feb 16 2024
Why You SHOULDN'T Retire
OK so I know that this is a strange topic for the host of the ‘Retire as You Desire’ podcast to be talking about, but believe it or not; there are a multitude of reasons why you shouldn’t retire! Retirement is often hailed as the golden age. A time to live life on your terms. What this tends to translate as though, is; stop working, play golf and shuffle off this mortal coil in short order.  I want to challenge this outdated, conventional notion of retirement and offer you three reasons why one might want to reconsider the notion of stopping work altogether. It really depends on your relationship to your professional life and how well integrated it is with your dreams, goals and aspirations.  1. Alignment of Purpose If your profession is not just a means to an end but a passion, quitting abruptly might not be the best move. I preach all the time that you should retire as you desire, however,— if your purpose is deeply tied to your work, you probably won’t want to just go “cold turkey” once your retirement fund reaches maturity.  Why? Because work, for some, is not merely a way to make ends meet. It's a source of fulfillment, a reason to leap out of bed each morning. If your passion aligns with your work, and you've built something that fuels your drive, hitting the brakes on it might lead to an unexpected void. Your money is set up, and that's freeing in and of itself. If you know your income streams are set up in retirement, that gives you the opportunity to really be the buyer and say; “I want to keep working because I love doing what I do.” In essence, retirement doesn't have to be an ‘all-or-nothing’ game. It can be a gradual transition. A slowing down of work hours, allowing you to savor the joy your work brings while maintaining control over your time. 2. Freedom to be of Maximum Service "Get your money right. Get your income streams set up” The second reason not to retire lies in the power of passive income. Retirement doesn't mean a complete cessation of income; it's about shifting from active to passive income streams. By setting up passive income sources, you gain financial freedom. This financial stability doesn't just afford you the luxury to retire when you desire; it allows you to dictate the terms of your retirement. You become the architect of your life, deciding when to clock out and stop working. As a result: you’ll be able to make choices based on where and to whom you’ll be of maximum service, rather than which choices will earn you the most money. Not only will this bring you greater fulfillment, but (ironically) it will boost your authority and enable to you put a greater premium on your time.  3. You’re not Ready! Just because your company/pension provider/convention is telling you that you’re of an age to retire, that doesn’t mean necessarily that you’re ready to! The goal should always be to retire on your terms. Set up, your income, always get that aligned. So then that way you're in control. The other side of that is, you might not have enough in your pension pot to support the kind of retirement life you’re seeking. Don’t take the leap until everything is in place, or you could find yourself in trouble down the road. In conclusion, retirement isn't a one-size-fits-all concept.  Retirement shouldn't be a forced exit; instead, it should be a conscious choice, a decision made when everything is aligned. By having your income streams set up and aligned with your goals, retirement transforms from a distant dream to a tangible reality. The key isn't to retire early or late, but to retire as you desire, ensuring that the next chapter of your life is as fulfilling as the one that precedes it.
How To Reduce Your Debt - A Practical Guide
Feb 9 2024
How To Reduce Your Debt - A Practical Guide
Are you feeling suffocated by the burden of debt, preventing you from achieving your financial goals? I've been there, grappling with over $54,000 in student loan debt. In this comprehensive guide, I'll walk you through a systematic and efficient approach that propelled me to financial freedom in just three years. Step 1: Confront Your Financial Reality Before we dive into the intricacies of debt reduction, grab a pen and paper.  Sorry, I know this is probably the hardest part, but it's time to face your financial reality. You can not chart a course for a destination, without first knowing where you are.  So…list down every form of debt Credit cardsAuto loansMortgage Student loans Personal loans But don't stop there. Go deeper!  Note the type of debt, the interest rate, and your monthly payment amount. This meticulous understanding forms the bedrock of your journey to financial liberation. Step 2: Identifying the Debt Beast Now, let's identify the ‘debt beast’ – the one devouring the most of your hard-earned money through interest.  This is a step many overlook, not realizing that high-interest rates are silently eroding their financial foundations. Prioritize tackling the debts with the highest interest rates.  Whether it's a menacing 30% credit card or an 8% student loan, focus on the ones bleeding your wallet the most. Step 3: Unleashing the Snowball Effect This is where you get really strategic and enter the realm of the snowball effect – a financial magic trick.  Imagine triumphantly paying off that 30% credit card.  Don't rest on your laurels!  Take the monthly payment you've just freed up – let's say $500 – and unleash it on your next highest interest rate debt.  This compounding effect accelerates your debt payoff. Rinse, repeat, and watch your debt evaporate. Bonus Tip: Strategic Use of Windfalls Back in 2008, armed with this strategy, every work bonus became a powerful weapon in my arsenal against debt. If your workplace offers bonuses, strategically deploy them!  It doesn’t have to be a work bonus, it could be any form of additional income. I know it’s very tempting to  Windfalls, when used wisely, can significantly expedite your journey to a debt-free life. Tools for Success: Introducing Diane Money Feeling lost or wish you had a personalized plan?  Enter Diane Money, a revolutionary app designed to analyze your debt and craft a tailored path for efficient and aggressive debt reduction.  No more confusion, no more guesswork – just a clear roadmap to financial freedom. Navigating the Complexity: A Closer Look at Diane Money Diane Money serves as your financial GPS, navigating the complex terrain of debt reduction with precision.  The app dives deep into your financial landscape, considering interest rates, debt types, and monthly payments. It then formulates a customized plan, showing you a clear path forward. The Diane Money Advantage: A Personalized Roadmap Imagine having a personal financial advisor available 24/7. Diane Money provides just that. By considering your unique financial situation, the app creates a step-by-step plan, breaking down which debts to tackle first for maximum impact. It's like having a financial mentor in your pocket. Building Mindset Momentum: Celebrating Small Wins Your mindset around debt is probably the single most important factor at play. If you see your current debt situation as an unscalable mountain, you’ll never take that first step.  This is why you need to set out a clear roadmap (with DianeMoney) and then celebrate every single step you take in the direction of your desired outcome.  Each paid-off debt becomes a victory, fueling your motivation to tackle the next one. Not only that, but it is evidence to your subconscious that you can achieve a debt-free life!
Why Intuition Matters with Your Money with Daniel White
Jul 10 2023
Why Intuition Matters with Your Money with Daniel White
What if you could shift your financial destiny with only $35 a week? Our latest guest, bestselling author Daniel White, is here to show you how. Daniel's newest book, Financial Freedom System, is as interesting as it is inspiring - born out of a personal journey of overcoming financial stress and finding a new approach to money that put him first. He unveils his concept of building a strong financial foundation, an idea sparked from a simple prayer and a vision of an airplane. He didn't let the stress of his five-year business milestone with little to show for it, and a mountain of debt weigh him down. Instead, he used this setback as a launchpad to create a system that has since transformed lives.   About Daniel White: After living paycheck to paycheck for years with increasing debt, Daniel struggled with soul-destroying fear and anxiety. In 1999, he started praying. God answered him and gave clear instructions that forever transformed his life and finances. Now you, too, can benefit from this life-changing process.    Since 1994, Daniel White has been an energetic consultant and spiritual healer, helping clients in over forty countries to overcome negative energetic and spiritual influences and create better futures for themselves, their families, their homes, and their businesses. He is recognized internationally for his unique intuitive gifts and is a sought-after consultant and speaker.   Learn more about Daniel: Website: https://danielwhitecoaching.com/   Grab a copy: https://amzn.to/3XLdP8c Show notes: [0:32] What is his book all about? [1:35] Why is intuition the leading indicator and not the dollars? [2:30] What was the process of following his intuition look like for Daniel? [10:40] How his system helped people [13:47] Is intuition the number one thing we should pay attention to in life? [16:09] What about the jar? [18:50] Why is three years the sweet spot for the process? [20:53] How often should people update their accounts? [22:44] How do you know you’re following your intuition? [25:30] How important does energy play in this? [27:22] Where can people get the book? [29:03] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Unlocking Your Highest Potential with Dr. Jeff Spencer Part 1
Jun 26 2023
Unlocking Your Highest Potential with Dr. Jeff Spencer Part 1
What if you could unlock your highest potential and create a meaningful legacy? Join us as we sit down with the extraordinary Dr. Jeff Spencer, whose journey from aspiring Olympic cyclist to a world-renowned coach and mentor has taught him the secret to crafting the path forward for others to succeed. In this powerful conversation, Dr. Spencer shares the impact of three angels in his life who shaped his mindset, creativity, and perspective. Discover the game-changing concept of 'goal guess' and learn how having the right goal, motive, and mindset is crucial for success. Plus, explore the importance of preparation, hyper-focus, and peripheral gaze when it comes to achieving your goals. Don't miss this opportunity to connect with Dr. Jeff Spencer and apply his invaluable insights to your own life. About Dr. Jeff Spencer: At seven, he committed to becoming an Olympic cyclist. At twenty-one, he competed in the Olympics. Soon after, he realized that helping exceptional performers tap into their highest potential was as equally satisfying to him as competing and winning himself. Ever since he has coached top-tier performers into Elite Performers. He has changed their habits, strengthened their minds, and gave them the tools to consistently deliver at the height of their games. Connect with Dr. Jeff Spencer: https://www.drjeffspencer.com/ https://get.havecustomersforlife.com/… jeff@drjeffspencer.com    Show notes: [1:02] Being able to work with the highest-level collaborators on the planet  [2:10] Having three angels in his life [9:03] Crafting a path forward for others to see their talents and unique gifts [11:54] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Success Leaves Clues: Unveiling the Inspiring Journey of Kelly Cardenas Part 2
Jun 22 2023
Success Leaves Clues: Unveiling the Inspiring Journey of Kelly Cardenas Part 2
In this episode, Bill engages in a conversation with Kelly Cardenas, who is not only his close friend but also an accomplished author, podcast host, speaker, and the visionary behind Kellycardenas.com. The focus of their discussion revolves around Kelly's audiobook, "Success Leaves Clues," as they delve into the motivations that drove him to create it. Additionally, they reminisce about their initial encounter, reflect on the significance of their friendship, and offer glimpses into their respective personal experiences.  Kelly Cardenas is a Forbes contributor, Author, Podcaster, Founder-CEO of a National multi-million dollar Brand, and a Cultural efficiency Coach. Cardenas is the go-to when it comes to constructing a CULTURE that will have sustained success in all aspects of your business. He believes that building an iconic Brand, Business, and Empire is a simple process once we start to focus on what really matters. Cardenas’ system zeros in on the heartbeat of any organization—PEOPLE! Connect with Kelly: Website: https://www.kellycardenas.com/ LinkedIn: https://www.linkedin.com/in/kelly-cardenas-78613763/ Get his audiobook: https://www.kellycardenas.com/#book Listen to his podcast: https://www.kellycardenas.com/#podcast   Show notes: [0:16] What does retiring as he desires to mean to Kelly? [2:57] Where to find Kelly and what’s new for him [6:10] What’s Bill’s advice for people about retiring as they desire? [17:40] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Success Leaves Clues: Unveiling the Inspiring Journey of Kelly Cardenas Part 1
Jun 19 2023
Success Leaves Clues: Unveiling the Inspiring Journey of Kelly Cardenas Part 1
In this episode, Bill engages in a conversation with Kelly Cardenas, who is not only his close friend but also an accomplished author, podcast host, speaker, and the visionary behind Kellycardenas.com. The focus of their discussion revolves around Kelly's audiobook, "Success Leaves Clues," as they delve into the motivations that drove him to create it. Additionally, they reminisce about their initial encounter, reflect on the significance of their friendship, and offer glimpses into their respective personal experiences.  Kelly Cardenas is a Forbes contributor, Author, Podcaster, Founder-CEO of a National multi-million dollar Brand, and a Cultural efficiency Coach. Cardenas is the go-to when it comes to constructing a CULTURE that will have sustained success in all aspects of your business. He believes that building an iconic Brand, Business, and Empire is a simple process once we start to focus on what really matters. Cardenas’ system zeros in on the heartbeat of any organization—PEOPLE! Connect with Kelly: Website: https://www.kellycardenas.com/ LinkedIn: https://www.linkedin.com/in/kelly-cardenas-78613763/ Get his audiobook: https://www.kellycardenas.com/#book Listen to his podcast: https://www.kellycardenas.com/#podcast Show notes: [0:00] Intro [0:56] How did Bill and Kelly meet? [1:44] His audiobook, Success Leaves Clues [5:47] On raising his kids [9:04] Where do Kelly’s best life ideas come from? [13:29] The Hideout [21:07] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Mastering the Mortgage Maze and Achieving Homeownership Bliss with Tony Perri Jr. Part 2
Jun 15 2023
Mastering the Mortgage Maze and Achieving Homeownership Bliss with Tony Perri Jr. Part 2
Purchasing a home plays a pivotal role in fulfilling the American Dream. Yet, the decision to buy or rent is a crucial one that carries implications for your financial well-being, lifestyle, and personal aspirations. In the present scenario, Bill engages in a conversation with his close friend Tony Perri Jr., who holds the position of Producing Branch Manager at HomeTown Lenders. They engage in a discussion about the process of acquiring properties and stay updated on the latest developments in the mortgage industry. Moreover, Tony generously offers some valuable advice for individuals aspiring to become homeowners. Tony Perri Jr. is an experienced Operational Specialist with a demonstrated history of working in the mortgage industry. Having over a decade of experience in the real estate & finance world has successfully found a way to turn a passion into a profession. Maintains a relentless pursuit of productivity and integrity and sets customers on the long-term path to financial success. Draws from a wealth of knowledge obtained from having held various roles as a mortgage professional, from a file opener to a closing specialist— a steady & strong advocate for both customers and employees.   Connect with Tony at: Website: https://www.applywithjr.com/ LinkedIn: https://www.linkedin.com/in/tony-perri-jr-9a95662b/ FB: https://www.facebook.com/MortgageTheRightWay/ Email: tony.perri@htlenders.com Phone: (630) 284-9729   Show notes: [0:01] How bad is consumer debt now? [4:06] What advice can Tony give to people looking to buy a house? [9:21] How to reach out to Tony [14:35] Outro Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Mastering the Mortgage Maze and Achieving Homeownership Bliss with Tony Perri Jr. Part 1
Jun 12 2023
Mastering the Mortgage Maze and Achieving Homeownership Bliss with Tony Perri Jr. Part 1
Purchasing a home plays a pivotal role in fulfilling the American Dream. Yet, the decision to buy or rent is a crucial one that carries implications for your financial well-being, lifestyle, and personal aspirations. In the present scenario, Bill engages in a conversation with his close friend Tony Perri Jr., who holds the position of Producing Branch Manager at HomeTown Lenders. They engage in a discussion about the process of acquiring properties and stay updated on the latest developments in the mortgage industry. Moreover, Tony generously offers some valuable advice for individuals aspiring to become homeowners. Tony Perri Jr. is an experienced Operational Specialist with a demonstrated history of working in the mortgage industry. Having over a decade of experience in the real estate & finance world has successfully found a way to turn a passion into a profession. Maintains a relentless pursuit of productivity and integrity and sets customers on the long-term path to financial success. Draws from a wealth of knowledge obtained from having held various roles as a mortgage professional, from a file opener to a closing specialist— a steady & strong advocate for both customers and employees.   Connect with Tony at: Website: https://www.applywithjr.com/ LinkedIn: https://www.linkedin.com/in/tony-perri-jr-9a95662b/ FB: https://www.facebook.com/MortgageTheRightWay/ Email: tony.perri@htlenders.com Phone: (630) 284-9729   Show notes: [0:59] What’s going on in the mortgage world? [8:02] Theoretical quoting [15:48] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Passion Unleashed: Conversations with Steve Sims on Making Things Happen
Jun 8 2023
Passion Unleashed: Conversations with Steve Sims on Making Things Happen
In the latest episode, Bill engages in a conversation with Steve Sims, a prominent figure who wears multiple hats as a Speaker, Author, Coach, and CEO of Bluefish. Their discussion revolves around the transformative power of pure passion and delves into Steve's journey of initiating speakeasies and how the pandemic brought about significant changes in his personal and entrepreneurial life. If you're seeking extra motivation to pursue your passions, this episode is precisely what you need.   Recognized as "The Real Life Wizard of Oz" by Forbes and Entrepreneur Magazine, Steve Sims is a bestselling Author renowned for his book "BLUEFISHING - The Art of Making Things Happen." He is highly sought-after as a consultant and speaker, having addressed various networks, groups, associations, and prestigious institutions like the Pentagon and Harvard on two occasions.   As the founder of Bluefish, a leading personal concierge service, Steve's expertise in marketing within the luxury industry is widely respected. His insights have been featured in numerous publications and television programs, including the Wall Street Journal, Forbes, London's Sunday Times, South China Morning Post, and more.   Imagine singing alongside your favorite rock star, being serenaded by Andre Bocelli, walking the red carpet at exclusive Oscar parties, getting married in the Vatican, or diving to explore the Titanic wreckage. These are just a few remarkable experiences that Steve has been tasked with delivering for his clients.   Frequently hailed as "The Real Life Wizard of Oz," Steve Sims epitomizes the spirit of an entrepreneur, earning high regard within the luxury realm for his innovation and grounded personality. Renowned for his honesty, integrity, and determination to do things in his own unique way, Steve creates unimaginable experiences for his clients. He possesses the uncanny ability to turn the impossible into reality.   Connect with Steve: Website: www.stevedsims.com LinkedIn: www.linkedin.com/in/stevedsims IG: @stevedsims FB: facebook.com/groups/stevedsims   Listen to his podcast: stevedsims.com/podcast     Show notes: [0:58] What did the pandemic do for Steve? [3:49] On closing three businesses at the same time [9:41] Keeping it simple and having fun while creating value for their clients [15:42] Testing his credibility by having speakeasies [26:01] The most common issues the entrepreneurs who go to his speakeasy has [34:26] The largest cheque he has ever received through his connections [36:05] What does money mean to Steve? [39:08] Where to find Steve [40:02] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Diving Deeper Into Leadership, Independence, and Learning with Greg Miarecki Part 2
Jun 1 2023
Diving Deeper Into Leadership, Independence, and Learning with Greg Miarecki Part 2
Bill engages in a conversation with Greg Miarecki, a trusted friend who holds the positions of Executive Assistant Dean for Career Planning and Professional Development at the University of Illinois College of Law and Director of the University of Illinois College of Law Leadership Project. They delve into a range of important topics, including the significance of vulnerability in leadership, effective handling of feedback as a leader, and the traits that contribute to good leadership. Their discussion also encompasses the themes of independence and continuous learning, highlighting their relevance in the realm of leadership.   Greg Miarecki is a prominent figure at the University of Illinois College of Law, where he holds the position of leading the Office of Career Planning and Professional Development. Together with his colleagues, Greg focuses on bridging the gap between employers and exceptional legal talent from the College of Law. He actively engages with students and alumni, working tirelessly to cultivate and promote their skills in the legal field. In addition, Greg collaborates closely with the faculty and administrative team on various important endeavors. These include activities such as recruiting prospective students, fostering alumni relations and development, and spearheading the creation of innovative curricula and programs. As an accomplished Adjunct Professor of Law, Greg imparts his knowledge to students through courses on trial advocacy, small firm practice, and in-house legal practice. He is also the lead instructor for the College's fundamental first-year course, Fundamentals of Legal Practice.   Prior to joining the College in 2011, Greg excelled as a partner at Winston & Strawn LLP's Chicago office, specializing in high-stakes, intricate commercial litigation and white-collar criminal cases. With a track record of representing major global corporations in critical legal battles, he developed expertise in trial work and provided invaluable guidance and mentorship to junior attorneys.   Greg's leadership abilities extend beyond the legal realm. He has been instrumental in founding, leading, and revitalizing various organizations. Notably, he served as the chief executive officer of the prestigious Chicago Yacht Club and held the esteemed position of President on the University of Chicago's Alumni Board of Governors. Currently, Greg's role as the Director of the University of Illinois College of Law's Leadership Project further showcases his commitment to fostering learning and facilitating discussions at the intersection of law and leadership.   Connect with Greg at: Website: https://law.illinois.edu/faculty-research/faculty-profiles/greg-miarecki/ LinkedIn: https://www.linkedin.com/in/gregmiarecki/ Show notes: [0:03] Providing genuine feedback is a skill [1:41] Why is it important to put yourself out there and be vulnerable as a leader? [3:23] The ability to adjust is a good leadership trait [6:53] On involving kids in their foundation [10:14] What does money mean to Greg? [11:39] Being a lifelong learner [18:07] Outro Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Diving Deeper Into Leadership, Independence, and Learning with Greg Miarecki Part 1
May 29 2023
Diving Deeper Into Leadership, Independence, and Learning with Greg Miarecki Part 1
Bill engages in a conversation with Greg Miarecki, a trusted friend who holds the positions of Executive Assistant Dean for Career Planning and Professional Development at the University of Illinois College of Law and Director of the University of Illinois College of Law Leadership Project. They delve into a range of important topics, including the significance of vulnerability in leadership, effective handling of feedback as a leader, and the traits that contribute to good leadership. Their discussion also encompasses the themes of independence and continuous learning, highlighting their relevance in the realm of leadership.   Greg Miarecki is a prominent figure at the University of Illinois College of Law, where he holds the position of leading the Office of Career Planning and Professional Development. Together with his colleagues, Greg focuses on bridging the gap between employers and exceptional legal talent from the College of Law. He actively engages with students and alumni, working tirelessly to cultivate and promote their skills in the legal field. In addition, Greg collaborates closely with the faculty and administrative team on various important endeavors. These include activities such as recruiting prospective students, fostering alumni relations and development, and spearheading the creation of innovative curricula and programs. As an accomplished Adjunct Professor of Law, Greg imparts his knowledge to students through courses on trial advocacy, small firm practice, and in-house legal practice. He is also the lead instructor for the College's fundamental first-year course, Fundamentals of Legal Practice.   Prior to joining the College in 2011, Greg excelled as a partner at Winston & Strawn LLP's Chicago office, specializing in high-stakes, intricate commercial litigation and white-collar criminal cases. With a track record of representing major global corporations in critical legal battles, he developed expertise in trial work and provided invaluable guidance and mentorship to junior attorneys.   Greg's leadership abilities extend beyond the legal realm. He has been instrumental in founding, leading, and revitalizing various organizations. Notably, he served as the chief executive officer of the prestigious Chicago Yacht Club and held the esteemed position of President on the University of Chicago's Alumni Board of Governors. Currently, Greg's role as the Director of the University of Illinois College of Law's Leadership Project further showcases his commitment to fostering learning and facilitating discussions at the intersection of law and leadership.   Connect with Greg at: Website: https://law.illinois.edu/faculty-research/faculty-profiles/greg-miarecki/ LinkedIn: https://www.linkedin.com/in/gregmiarecki/ Show notes: [0:54] Where did Greg get his leadership skills? [3:50] When and why did he fall in love with sailing? [5:55] Letting other people find independence as a leader [9:45] What was it like for Greg to work on big cases as a lawyer? [12:01] Balancing work, leisure, and family with his wife [14:17] Why is it important to only do the things you’re good at and delegate the other things? [16:28] How he handles feedback as someone in-charge [20:21] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Navigating the Boom and Bust Cycle: Insights from a CEO with Dave Liu Part 2
May 25 2023
Navigating the Boom and Bust Cycle: Insights from a CEO with Dave Liu Part 2
The boom and bust cycle refers to the pattern in capitalist economies where they experience contraction following a period of growth, and then subsequently expand again. In this conversation, Bill engages with Dave Liu, who is an Author, Entrepreneur, Investor, Philanthropist, and Founder and CEO of Liucrative Endeavors. They discuss how Dave successfully anticipated and navigated the boom and bust cycle in both his financial and personal life. Furthermore, Dave shares insights into his background and cultural heritage, which significantly influence his entrepreneurial journey today.   Dave is a 30-Year Veteran of Wall Street and Silicon Valley. He’s an entrepreneur who has started multiple companies, an advisor who has raised over $15 billion for hundreds of companies, and an investor in multiple billion-dollar exits. He is passionate about advancing new ideas in technology and entertainment and supporting philanthropic causes for underrepresented groups. He’s a creator who enjoys writing books and drawing cartoons.   Reach out to Dave: Website: https://liucrative.co/ LinkedIn: https://www.linkedin.com/in/daveliu/ Grab a copy of his book: https://liucrative.co/book/   Show notes: [1:09] When did Dave figure out what was important to him? [7:58] On his philanthropies [21:06] Making every moment count [22:08] Outro   Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.
Unlocking an Epic Life with Justin Breen: Serendipity & Success
May 22 2023
Unlocking an Epic Life with Justin Breen: Serendipity & Success
To celebrate my good friend’s 6th year anniversary of getting his salary cut and turning it into a global success, Justin Breen is back to the Retire As You Desire Podcast. Just when Justin thought he had it all figured out, an unexpected twist in his story led him to a chance encounter with a World War II veteran that would change his life forever. What was this twist, and how did it lead Justin down a path toward serendipity and fulfillment? Be sure to tune in. Justin Breen leads the Global Finance division at the Firm. He specializes in assisting top private credit providers with intricate corporate finance deals, such as leveraged sponsor buyouts, acquisition financing, and recapitalization transactions. Justin's clientele consists of prominent institutional investors, direct lenders, private debt funds, investment banks, and business development companies. He offers comprehensive advice on various financing transactions, including syndicated and non-syndicated senior and senior "stretch" loans, unitranche facilities, second lien financings, mezzanine financings, high-yield bonds, and structured preferred equity. Learn more about Justin: https://linktr.ee/justinbreenLinkedIn: https://www.linkedin.com/in/justinbreen1/ Website: https://www.brepicllc.com/   Show notes: [0:32] Celebrating and memorializing dates [2:04] Everything in life summed up… [5:08] Serendipitous meetings of the right people at the right time [5:30] Be early. Be brave. Be honest. [5:36] Always stay in the battle [7:50] Justin’s family time—how it changed [12:14] 3 things that stood out for Justin [17:22] Outro  Connect with Bill Bloom  Web: https://www.bloomfinancialco.com/ https://bloomfinancialco.kartra.com/page/bNJ87 Email: bill@bloomfinancial.us  LinkedIn: https://www.linkedin.com/in/bloomfinancial/ FB: https://www.facebook.com/retireasyoudesirepodcast   Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS) member FINRA/SIPC. WFS. is separately owned and other entities and/or marketing names, products or services referenced here are independent of WFS.   Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.