PODCAST

The Confident Retirement

Kris Flammang and Mark Picchi

The Confident Retirement Podcast with Kris Flammang and Mark Picchi aims to empower listeners with simple, common sense financial wisdom. Kris and Mark are the partners of LPF Advisors, a financial services firm in Sarasota, Florida. On the show, they deliver entertaining insight and a wealth of knowledge from experts in the financial world. From time to time, Kris and Mark share their own experiences as financial experts - how to retire in a way that’s aligned with what people seek most - the right advice from the right people at the right time in the right way based on what they value most in life.Each week on The Confident Retirement Podcast, Kris and Mark bring you experts who are in the trenches everyday – assisting people with life’s big decisions and navigating the certainty of uncertainty. Join them for dynamic conversations highlighting tried and tested strategies to feel more confident in your financial journey.

Ep 055: What Does a Great Benefits Offering Entail?Ep 054: How Does Fashion Influence Group Benefits Programs?Ep 053: Estate Planning and the Gift Tax
Azriel Baer’s practice focuses on estate planning, trust and estate administration at Farrell Fritz Attorneys based in Uniondale, NY. Azi advises clients on wealth preservation, estate, and gift tax planning. He helps his clients achieve their estate planning objectives by preparing wills, revocable and irrevocable trust instruments, and advance directives. The favorite part of Azi’s practice is how he gets to interact with his clients, often acting as a family counselor who can make a real difference in their lives. Azi believes it’s a very personal part of the law that is a privilege to be a part of.  Azi admits that he really enjoys tax law even though keeping up with the changing US tax law is a constant challenge.  In our conversation, we discuss several topics, including: Estate planning is not just for the rich. The options available to those who have a taxable estate. An explanation of revocable and irrevocable trusts and how they are used. The three crucial documents every client should have. How estate planning and estate administration go hand in hand. The specialty of his practice includes gift tax planning. How his clients benefit from the firm’s knowledgeable and collaborative colleagues. Enjoy the show! Connect with Azriel: Website: https://www.farrellfritz.com/attorney/azriel-baer/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
May 5 2022
22 mins
Ep 052: The Challenges In The Current Real Estate Market.Ep 051: Contested Wills, Trusts and Estates-Oh my!
Taso Milonas is a Florida Bar Board Certified Tax Lawyer where fewer than five percent of all attorneys admitted to practice in Florida are Board Certified. Taso also holds a Master of Laws in Taxation. His practice today is primarily in trust and estate litigation. Along with his practice, Taso is passionate about giving back to the community. He is currently serving on the Johns Hopkins All Children’s Foundation Planned Giving Committee and the Juvenile Diabetes Research Foundation, North Florida, Central Florida and Southwest Florida Chapters as a Board Member, Executive Board Member, and Co-Chair of the Planned Giving Committee. For anyone who doesn’t understand the complexity of trust and estate litigation, Taso helps his clients understand with straightforward explanations.  In our conversation, we discuss:  The challenge as an estate planner and the need for knowing who to add to the team for knowledge of other areas of the law. What the probate process really entails and how it’s a more public process than before. When one contests a Will or Trust, you’re challenging a document. An explanation of what is undue influence. A discussion on tortious interference. A case study of when someone takes advantage of a person with dementia. The importance of clients organizing their paperwork and critical documents. One of the biggest obstacles facing the industry in Florida. Enjoy the show! Connect with Taso: Website: https://www.wealthlawgroup.com/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 21 2022
41 mins
Ep 050: Solving the Retirement Income Conundrum
Episode 050 Solving the retirement income conundrum. Featuring David Macchia, Tech Entrepreneur David Macchia is an entrepreneur, a thought leader, and a public speaker focused on communication and tech solutions for retirement income distribution planning. David writes frequently on the retirement income for consumers and financial professionals, and is the author of Lucky Retiree, how to keep your retirement income and create it using the Income for Life Model. In 2004, David realized that there were 76 million baby boomers approaching retirement who didn’t know how to turn accumulated savings into retirement income. In the US, we don’t educate people how to turn a nest egg into retirement income.  David likes to focus on American women through his Women and Income™ program developed for female investors who are approaching retirement or recently retired.  David makes this complicated subject easy to understand. We discuss: The difference between financial planning and retirement income planning. The problem with the commonly used traditional approach called the total return strategy. The three labels of retirees-under-funded, over-funded and the constraint strained. How to mitigate risks. A balanced strategy includes safe investments and paychecks, ongoing exposure to equities and stock market participation. Nobel Prize winner Robert C. Merton’s quote, “In retirement, it’s your income, not your wealth, that creates a standard of living.” The bucket strategy. How men and women think differently about investing. Enjoy the show! Connect with David: Website: https://davidmacchia.com/about/ Website: https://wealthpop.com/retirementinvestor Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 14 2022
40 mins
Ep 049: Careful Planning for Special Needs and Medicaid
Stuart Schoenfeld is a Partner with Capell, Barnett, Matalon and Schoenfeld, with offices in NY City, Long Island and Florida. Stuart specializes in elder law, estate planning, asset preservation, Medicaid, and property transactions. He’s also a published author and frequent speaker on planning for children and adults with developmental disabilities. Stuart enjoys giving back to the community and is a member of the Board of Directors of the Rehabilitation Institute, which provides vocational, educational, and therapeutic services to individuals with disabilities. He previously served as President of the Association for Children with Down syndrome.  Part of the inspiration for serving in these aspects of the law comes from having a daughter with special needs and watching her needs change throughout the years and the importance of dealing with the legal issues. Highlights of our conversation include: People need to plan better to make their finances work in their later years. Not every elder care attorney does estate planning. The unique challenges when you are assisting someone who’s chronically ill or developmentally delayed. Understanding the supplemental needs trust and the ABLE account. The difference between a supplemental needs trust and a third-party supplemental needs trust. The difference between Medicare and Medicaid. Clients need to seek help long before they run out of money. Business advice including considerations in a Buy Sell agreement. Don’t choose an attorney on price alone. Enjoy the show! Connect with Stuart: Website: https://cbmslaw.com/team/stuart-h-schoenfeld/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Apr 7 2022
33 mins
Ep 048: Benefits abound! One Administrator’s take on what's Trending
Naomi Wood – The Confident Retirement Podcast with Kris Flammang Episode 048 Benefits abound! One administrator’s take on what's trending. Featuring Naomi Wood, Benefits Specialist at Abt Associates.  Naomi G. Wood is a Benefits Specialist at Abt Associates, where she counsels employees and Abt’s HR Staff on the various benefit plans offered at her organization.  Prior to her current role, Naomi spent 15 years working in various roles, ranging from Retirement Support Specialist, Customer Service Representative, Senior Financial Processor, Account Manager, Benefits Administrator, and Retirement Benefits Specialist. Naomi earned a B.S. in Business Management and Human Resource/IT Management from Carlow University and an MBA in Human Resource Management from Strayer University. She is enrolled in the Certified Employee Benefits Specialist course to earn her designation. Naomi has a talent for taking complex employee benefit issues, turning them into easy-to-understand language. We discuss: Comparing salary to what benefits are available to an employee. The complexity of the Affordable Cares Act. Doing extensive research to find the correct information for employees. Understanding Roth accounts. Get into the habit of saving for retirement and using automatic withdrawals from a paycheck. How FSA and HSA dollars work. Enjoy the show! Connect with Naomi: Website: https://www.abtassociates.com/ LinkedIn: https://www.linkedin.com/in/naomi-wood-mba-3b291443/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 31 2022
30 mins
Ep 047: Solving the "Medicare wordle" in one episode? Done!
Danielle Roberts – The Confident Retirement Podcast with Kris Flammang Episode 047 Solving the "Medicare wordle" in one episode? Done! Featuring Danielle Roberts, Founding Partner, Boomer Benefits  Danielle Roberts always knew she wanted to work with the elderly, but she didn’t know how. Now she serves that group exclusively. It started when her insurance clients kept asking if she could help their parents with the Medicare maze of options and complexities. Danielle is a founding partner at Boomer Benefits, a national insurance agency specializing in Medicare since 2005. She is also the author of the best-selling book 10 Costly Medicare Mistakes You Can’t Afford to Make and is often a featured guest for CNBC, FOX, Yahoo Finance, Kiplinger, and MarketWatch. Danielle also serves on the NAHU Medicare Advisory Group, where she advocates for Medicare beneficiaries at a national level to government organizations, including CMS.  Highlights of our conversation include: The challenge of working in the insurance industry and lessons learned. The joy of handholding clients through the Medicare journey. Research Medicare at least six months before you turn 65 when enrollment is mandatory. Understand Election Periods when you can or can’t get insurance. What to know about the “supplementals.” Catastrophic limits set by Medicare each year. Understanding the ACA, Affordable Care Act, and the health insurance exchange. Enjoy the show! Connect with Danielle: Website: https://boomerbenefits.com/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: https://twitter.com/kflammang? Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 24 2022
40 mins
Ep 046: A Calm Voice in the face of an Unpredictable Mortgage SkyEp 045: A CPA Turning the Industry on its Head - Really!
Marie Torossian – The Confident Retirement Podcast with Kris Flammang Episode 045 A CPA Turning the Industry on its Head - Really! with Marie Torossian, CPA Marie Torossian, a Chartered Global Management Accountant, auditor, CFO, and author, has the passion to help clients succeed in their business, increase their business value, and live the life they want. She firmly believes in living in God’s grace to help those in need and to make a difference in people’s lives. She has authored two books, A Business Owner’s Guide to Operational Accounting and The Complete Guide to Business Growth. She actively promotes accounting education through her social media channels and her weekly live show, Coffee Time with Marie Torossian CPA. Marie is a progressive accountant who builds her practice in an advisory model and uses the value-pricing model for her services. She also actively creates CPE classes for the FICPA North Dade/South Broward chapter. Highlights of our conversation include: In the private sector, there’s an opportunity to be involved in every part of the business. 62 percent of all businesses fail in the first two years. The importance of being a lifelong learner. Scaling up a business and finding the extra value adds. The challenge of finding the clients that are a right fit to work with. The business model of how she works and educating clients on how CPAs work. Understanding the options for retirement investments. Take Marie up on her offer for a free strategy session and enjoy the show! Connect with Marie: Website: https://www.marietorossiancpa.com/ LinkedIn: https://www. linkedin.com/in/marietorossiancpacgma  Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: https://twitter.com/kflammang? Learn more about your ad choices. Visit megaphone.fm/adchoices
Mar 10 2022
32 mins
Ep 044: Protection planning. Lead with a WHY
Mar 3 2022
32 mins
Ep 043: Helping Clients Diversify Self-directed IRA investments
Brandon Hall – The Confident Retirement Podcast with Kris Flammang Episode 043 Helping clients diversify self-directed IRA investments with Brandon Hall, President Midland IRA Brandon Hall started at Midland Trust 19 years ago with the purpose of starting an IRA side of the accounting business. Today, Brandon is the President and COO of the company that only operates on IRAs and 1031s as the firm’s primary practice. Brandon knows every aspect of IRAs, helping clients diversify investments portfolios with self-direction on alternative assets. Brandon has a Certified IRA Service Provider designation, and has degrees from the University of Alabama, Florida Gulf Coast University and an Executive Leadership Certificate from Cornell University.  Brandon generously shares his wealth of knowledge to explain the complex world of IRAs. Highlights include: The responsibilities of a custodian. The four types of IRAs. An explanation of what is an alternative asset. Midland does not work as a fiduciary or advisor. What to know if you have a self-directed IRA that holds alternative assets. The 1031 section of the tax code explained and misconceptions. The company’s goals for scalable growth and continuing great customer service. Enjoy the show! Connect with Brandon: Website: https://www.midlandtrust.com/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: https://twitter.com/kflammang? Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 24 2022
29 mins
Ep  042: Finding A Calling to Help Others Leave their Legacy
Feb 17 2022
22 mins
Ep 041: Medicare Straight Talk from Medicare Dave
David Silver – The Confident Retirement Podcast with Kris Flammang Episode 041 Medicare Straight Talk from Medicare Dave with David Silver Dave Silver had invested in real estate and when the markets crashed, he looked for a new career. His strength in sales comes from being knowledgeable in the product he represents, Medicare Insurance Plan options. Dave is a licensed insurance agent specializing in Medicare for almost 10 years.  In our conversation, we discuss all things Medicare from Parts A and B, Medicare Supplement, Medicare Advantage and Part D Drug plans. This is an episode you’ll want to listen to more than once for yourself or for helping your parents.  Highlights from our conversation include: The challenge of getting the correct, honest information from clients. The misinformation clients received about Medicare because it doesn’t apply to their individual situation. Explaining Medicare, parts A and B. The complications of Medicare part B if still employed. Medicare Supplement Plans from A through N. How people are penalized when not applying in the correct time and age periods. Medicare Advantage Plans are not Supplement Plans. How Plans and drug benefits vary from State to State. Enjoy the show! Connect with David: Website: https://www.davesilverinsurance.com/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 10 2022
33 mins
Ep 040: Not all Probates are Equal
Niuris Bezanilla – The Confident Retirement Podcast with Kris Flammang Episode 040 Not all Probates are Equal with Niuris Bezanilla, Managing Attorney, EPDG Niuris Bezanilla, managing attorney of the Trust and Estates department, EPDG, represents domestic and international individuals in the practice areas of Trusts and Estates, with a focus on establishing domestic estate plans, probates, and guardianships. During law school at Florida International University College of Law, Niuris clerked with the Administrative Judge for the Eleventh Judicial Circuit’s Probate Division, which gave her first-hand experience and behind-the-scenes knowledge of the probate process. Niuris was also the President of the Negotiation and Mediation Team and was a recipient of the Dean’s Scholarship. Highlights of our conversation include: Teaching clients how probate laws vary from state to state. Helping clients to understand how probate laws work in international cases. Setting up clients from countries including Columbia or Venezuela and helping to plan for the sticker shock of estate tax. Dealing with the slow timeframes of the IRS and other states. The advantage of using Trusts. Enjoy the show! Connect with Niuris: LinkedIn: https://www.linkedin.com/company/epgd-attorneys-at-law-p-a-/ Facebook: https://www.facebook.com/EPGD-Trusts-Estates-109553091131168/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Feb 3 2022
21 mins
Ep 039: Doctors, Lawyers and Crypto... OH MY!
Bette Hochberger – The Confident Retirement Podcast with Kris Flammang Episode 039 Doctors, Lawyers and Crypto... OH MY! Featuring Bette Hochberger Bette Hochberger, CPA, CGMA runs a boutique firm offering accounting services, business consulting, and financial advice to forward-thinking professionals and businesses, including doctors and lawyers. Bette focuses on real estate investment owners, companies with foreign investors and Americans with overseas business interests. With experience in the startup worlds of Miami and Boston, she later developed into the world of venture capital-backed startups. Bette runs her firm remotely and has mastered the art of cloud accounting. Given her engineering background, she also understands the process of back-end technology for small business. Bette is also an expert on helping clients entering the world of cryptocurrency. In our conversation, Bette shares case studies of how she helps clients and what to know about taxes and cryptocurrency. Highlights include:  Keep track of every crypto transaction because the IRS is watching. The mistake of not marketing the company earlier. Lawyers can’t do year end accounting from credit card statements alone. A case study of saving a client from exorbitant taxes on a property sale. Being a CPA in the wild west of uncharted, crypto currency. Understanding technology integration for a small business. Enjoy the show! Connect with Bette: Website: https://bettehochberger.com/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 27 2022
33 mins
Ep 038: Does a Trust Solve all Estate Plan Problems?
Jeffrey H. Skatoff, Esq. – The Confident Retirement Podcast with Kris Flammang Episode 038 Does a Trust solve all estate plan problems? With Jeffrey H. Skatoff, Esq. Jeffrey H. Skatoff is the founder and primary contributor to Probate Stars, a website that offers information for clients to understand inheritance solutions. For over 30 years, Jeffery has practiced law in the areas of probate, estate litigation, trust litigation, guardianship litigation, estate planning, and taxation.  In the estate planning area, he has prepared estate plans of all complexities, for young families with minor children, to owners of large, complex, multi-state businesses, including those with international aspects. For the past 20 years he has worked in the Florida probate administration area, handling close to 1,000 probate administrations, from simple estates to very large and complex taxable estates, often with assets throughout the world. Highlights of our conversation include: Understanding the purposes of a revocable trust. The reason for running an estate litigation bar, the biggest in the country. How Probate Stars operates. How the Probate Stars website can help those who want to be educated before speaking with a lawyer. The challenge of running the website and growing the opportunities. A case study involving a one of three siblings acting as a family caregiver. Enjoy the show! Connect with Jeffrey: Website: https://probatestars.com/contributors/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 20 2022
29 mins
Ep 037: Asset Protection is not the same as Estate Planning
Hillel Presser, Esq., MBA Asset Protection Attorney – The Confident Retirement Podcast with Kris Flammang Episode 037 Asset protection is not the same as estate planning with Hillel Presser, Esq., MBA Asset Protection Attorney Hillel Presser, Esq., MBA represents individuals and businesses with comprehensive asset protection plans, nationally and internationally. Hillel has been featured in publications including Forbes, Sports Illustrated, the Robb Report and major television networks such as Fox, NBC, ABC, CBS and in several international markets. He has also authored several books including, Asset Protection Secrets and Financial Self-Defense, The Lawyers Law of Attraction. In our conversation, Hillel defines and explains the misconceptions of estate planning and asset protection. Highlights of our conversation include: If you help and educate as many people as you can, the business will come. The joy of working with clients and finding customized solutions. Asset protection explained in easy-to-understand terms and why it’s necessary for everyone. The importance of being proactive in your asset protection. Why the option to sue in the U.S. is so easy. What’s included in a wealth inventory. Get a free consultation by mentioning this podcast! Enjoy the show! Connect with Hillel: Website: https://www.assetprotectionattorneys.com Connect with Kris Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 13 2022
31 mins
Ep  035: Personal Attention Has No Substitute
Dec 30 2021
37 mins