Annuities often carry a bad reputation, but could they be the unsung hero of your retirement plan?
In this episode, Tim Whisler breaks down the complexities of annuities, offering a comprehensive look at their various types and features. He explains how these financial tools can play a crucial role in generating retirement income. You’ll get a balanced perspective on the benefits and drawbacks of annuities, helping you make more informed decisions for your financial future.
Tim covers:
A breakdown of the four main types of annuities: immediate, fixed, variable, and indexed
How each type functions and the potential benefits they offer
A discussion on the often-overlooked fees associated with variable annuities
Key questions to ask financial professionals when evaluating an annuity
This episode will leave you with a clearer understanding of how annuities might fit into your retirement strategy.
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Are you confident that you’ll have enough savings to last through retirement, or does the thought make you uneasy?
Tim Whisler emphasizes the vital need for financial literacy early in life and explores how saving discipline and commitment can pave the way for a secure retirement. We discuss both the benefits and strategies for managing 401(k)s, IRAs, and the burgeoning significance of Roth accounts, ensuring you have the right financial plan set for the decades ahead.
Tim discusses:
Differences and benefits of traditional and Roth 401(k) plans.
The importance of starting an IRA, both traditional and Roth.
Managing Social Security concerns for future financial stability.
The critical role life insurance plays in financial planning.
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
According to recent studies, using housing wealth strategically can extend your retirement savings by five to seven years. Are you prepared to maximize your home’s potential to secure your financial future?
Tim Whistler is joined by Don Graves, President and Founder of the Housing Wealth Institute, to delve into incorporating housing wealth into your retirement income plan through the use of modern reverse mortgages. They explore the fundamentals of reverse mortgages, the benefits of a growing line of credit, and practical case studies on how retirees can utilize this often-misunderstood financial tool to enhance their retirement security.
Don discusses:
Understanding the basics and history of reverse mortgages
How reverse mortgages can supplement Social Security
Utilizing reverse mortgage lines of credit as a volatility buffer
Real-life case studies illustrating the strategic use of housing wealth
Don Graves, RICP®, CLTC®, CSA® Certified Senior Advisor, is the president and founder of the Housing Wealth Institute, an Author of three books, and Instructor of Retirement Income at The American College of Financial Services. He is considered one of the nation’s leading educators on incorporating housing wealth into retirement income planning.
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Have you ever wondered if home equity could transform your retirement income?
Tim Whistler welcomes Don Graves, President and Founder of the Housing Wealth Institute, to delve into the topic of using housing wealth as part of retirement income planning. Don discusses the concept of the “fourth bucket” represented by home equity and how incorporating it into your retirement strategy can make a significant difference.
Tim and Don discuss:
Explanation of the three main retirement buckets: income, investment, and insurance
Introduction to the “fourth bucket”: housing wealth and reverse mortgages
Misconceptions about reverse mortgages and their practical benefits
Growth potential of a reverse mortgage line of credit and its impact on retirement planning
Don Graves, RICP®, CLTC®, CSA® Certified Senior Advisor, is the president and founder of the Housing Wealth Institute, an Author of three books, and Instructor of Retirement Income at The American College of Financial Services. He is considered one of the nation’s leading educators on incorporating housing wealth into retirement income planning.
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Are you prepared for financial uncertainty in your retirement? How can you increase your sense of security as you move past your working years?
Tim Whisler dives into the importance of preparing for financial uncertainty, addressing how retirees can protect their assets from market volatility, ensure a stable income, and manage unexpected expenses like healthcare.
Tim discusses:
What is the impact of market volatility on retirement savings
Why are reliable income streams important in retirement
What are the strategies for managing withdrawals and tax implications
How can you handle healthcare costs and long-term care planning
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Many believe that retirement planning is all about saving enough money, but there’s so much more to it. It’s also about realizing what you want your retirement to look like and mapping out a path to get there.
Join Tim Whisler from the Whistler Agency as he delves into transforming your retirement visions into tangible, fulfilling experiences. Tim invites you to expand your imagination and break free from limitations to create the grandest version of your retirement life. He’ll explore practical tips for realizing these dreams, emphasizing the importance of having a proactive, purpose-driven plan for your golden years.
Tim discusses:
The concept of creating a “Dream Board” for retirement planning
Importance of purpose and maintaining an active lifestyle post-retirement
Strategies to finance your dream retirement
Discussing the significance of family conversations about future planning
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Are you ready to navigate the shifting landscape of retirement planning? Tim shares insights on this topic from a documentary
Tim Whisler dives into the critical shifts in retirement planning, highlighted in the revealing documentary “The Baby Boomer Dilemma” by Douglas Orchard. He explores the importance of protecting assets for retirement income, from defined benefits to defined contribution plans. Tim dives into the dwindling availability of defined benefit plans and the increasing responsibility placed on employees to save for retirement.
Tim discusses:
The shift away from traditional pension plans to 401(k) and other defined contribution plans.
Insights from “The Baby Boomer Dilemma” documentary on the challenges and solutions for retirement planning.
Strategies for generating reliable retirement income and mitigating risks.
The importance of financial literacy and education in planning for a financially secure retirement.
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Are taxes posing a threat to your retirement income? Are you prepared for the challenges of retirement planning, including taxation and legislative risks?
Tim Whisler sheds light on the significant role taxes play in retirement planning. He emphasizes the importance of having a strategic plan in place to address taxes and how they can impact your retirement income.
Tim discusses:
How critical is tax planning in retirement
Why is it essential to understand the tax classification of retirement assets for creating a withdrawal strategy
How does the Secure Act’s impact on inherited IRAs affect potential tax burdens for beneficiaries
Why is it important to design a tax-efficient strategy to minimize tax liabilities for beneficiaries and preserve wealth for future generations
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
How well do you understand required minimum distributions (RMDs) and their impact on retirement planning? Are your plans up to date between the evolving regulations and your own changes in life?
Explore the nitty-gritty of required minimum distributions(RMDs) with Tim Whisler and his guest Andy Ives, IRA analyst with Ed Slott and Company. They discuss how recent legislative shifts could shake up your retirement planning strategies, from the CARES Act to the Secure Act’s new ten-year rule.
Andy touches on:
What are Required Minimum Distributions (RMDs)
What are the rules surrounding inherited IRAs
What changes in RMD rules were brought about by the Secure Act and Secure Act 2.0
Why is it important to understand beneficiary designations
Andy Ives, CFP®, AIF®, IRA Analyst at Ed Slott and Company, has over 20 years of experience in the financial services industry where he has engaged in a wide range of duties. Andy was a relationship manager at a mutual fund company and sold short duration investment products to institutional clients. Ives wholesaled 401(k) record keeping solutions to financial advisors and direct to business owners.
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
You don’t want to be worrying about money during retirement. How can budgeting today help your financial plan last into retirement? Will your money be safe against potential challenges leading up to retirement?
Tim Whisler dives into the idea of a “License To Spend” during one’s golden years, with a focus on the criticality of retirees grasping their incoming funds, outgoings, and the various risks that could arise. Tim shares his wisdom on the financial hurdles that often trip up professional sportspeople and those who strike it lucky with lottery wins, pointing out the significance of managing finances with a firm hand.
Tim discusses:
Where does the concept of “license to spend” fit into retirement planning
How budgeting breaks down income and spending to create a clear idea of financial standing
What role does guaranteed income play in mitigating retirement risks
Why is proactive financial management important for a secure retirement
Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Are you nearing retirement and want a set of professional eyes to take a look at your plan? Uncertain about part of your current plan? Working with a retirement income planner could provide resources and information you never thought about.
In this episode, Tim Whisler shares his process of working with a client from the beginning. He discusses the paperwork involved, the timeline for moving funds, and how they track the progress of pending business, emphasizing the importance of communication and providing various ways for clients to reach him.
Tim discusses:
How he starts the retirement planning process
An example of what the retirement planning process looks like from the first meeting
The importance of consistent communication with clients
Why documentation of the retirement planning process is essential for both the advisor and the client
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
It is no secret that Roth IRAs are popular. How much have you heard? How deep into the information have you considered when thinking about including Roth IRA accounts in your retirement plan?
In this episode, Tim Whisler focuses on Roth IRAs, explaining the different aspects of Roth accounts, how they fit within retirement planning and the considerations to consider when choosing to include them within retirement plans. He shares stories about clients who have benefited both from including and excluding the account and how the IRS connects to IRA accounts.
Tim discusses:
What is a Roth IRA
The stipulations of withdrawing money from a Roth conversion
How the secure act changed the way Roth IRAs are inherited
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Retirement planning is ever changing, from government planning to your neighbours opinions. What are the considerations of retirement planning from a financial advisor’s perspective?
In this episode, Tim Whisler shares insight gained from a recent IRA workshop and how it changed his thinking towards basic retirement planning accounts, distribution and taxes.
Tim discusses:
The role of the IRS in retirement income planning
How government spending could impact retirement accounts
Why and how do specific age groups impact retirement planning and distribution phase
What order should you withdraw from different retirement accounts
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Before hiring a financial advisor and handing over control of years worth of savings, questions should be asked by both involved parties.
In this episode, Tim Whisler dives into how he helps potential clients avoid unpleasant surprises before they sign on the dotted line. He shares some questions people should ask potential advisors to protect their funds and create confidence in their retirement plan.
Tim discusses:
What fiduciary responsibilities an advisor has to their clients
Why financial advisors should be open about their compensation with their clients
Why it’s important for advisors to tell their clients where their money is going
How to mitigate and address risks when developing a retirement income plan
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
Traditionally portfolios balance aggressive investments with bonds after retirement. The reality has both investment options on one side of the investment see-saw.
In this episode, Tim Whisler dives into financial planning when faced with market bumps. He reveals market trends throughout history, discussing the importance of looking beyond the numbers when planning your portfolio and the struggle to balance the see-saw of investment planning.
Tim discusses:
How longevity impacts the risks of financial planning
The illusion of diversification
Why retirement investment focuses on conservative investments over yields
Planning for increased health costs during retirement
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.
In any industry, it’s not just about what you know. It’s about who you know.
In this episode, Tim Whisler is joined by Jeremy Houser, vice president and senior advisor development consultant at InsurMark and host of the Advisor Mentorship Podcast. Jeremy shares his knowledge as an outside mentorship source, revealing the benefits of leveraging industry experts when evolving your business.
Jeremy discusses:
What retirees and soon to be retirees should look for from their advisors
How financial advisors help clients understand investment alternatives
Some of the most common considerations for potential clients
The importance of adaptation to the current market
As a trusted consultant and partner to the advisors, Jeremy Houser serves in retirement planning, he helps provide practice management through our process to help unlock an advisor’s full potential. Through his proven successful process, he works to help advisors professionalize all phases of their business and focus on growth that is achievable year after year.
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
The U.S. Federal Reserve continues to remain uncertain in the early months of 2022.
Because of this, for those in or entering retirement, planning for the future is more important than ever.
In this episode, Tim Whisler dives into retirement planning preparations for 2022, focusing on retirees and how inflation, market volatility, and taxes impact those entering retirement. He also reveals how supply and demand increase the cost of products and services, the impact of uncertainty on the financial market, and his advice for clients on what to budget for during retirement.
Tim discusses:
The dangers of market volatility on portfolios
How inflation impacts the amount required for retirement
Why including a budget for fun is necessary for retirement
The impact of taxes on retirement planning in 2022
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
Medicare can seem like a foreign language to those who don’t look into it on a regular basis.
In this episode, Tim Whisler discusses what you need to know about Medicare when planning for retirement. He reveals the different parts of Medicare plans, the role of each and the coverage they provide. Tim discusses the importance of understanding what your expenses are and how much items such as your prescriptions will cost after Medicare coverage.
Tim discusses:
What Medicare is and what it covers
The different pieces of your Medicare plan
The importance of understanding your costs when choosing a plan
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
You may hear about RMDs from your retirement planner. But how do required minimum distributions impact your personal retirement plan?
In this episode, Tim Whisler shares his knowledge of RMDs, discussing how pensions evolved to retirement accounts with RMDs and the differences between the withdrawal rules of different accounts. He reveals the importance of including the RMDs within your retirement plan and how they can impact your beneficiaries after you are gone.
Tim discusses:
What RMDs are
How different types of retirement accounts are impacted by RMDs
The benefits of gifting your RMD
How your beneficiaries could move up a tax bracket from their inheritance
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
There is always a risk when entering the stock market. What will that risk be in 20, 30, 40 years when you retire?
In this episode, Tim Whisler takes a deep dive into sequence of return risk, detailing what it is and how he helps clients prepare for the future without a crystal ball. Tim discusses how he turns potential losses into zeroes and the benefits of such transformations within your retirement plan.
Tim discusses:
The two main phases of life in your financial plan
The uncertainty of the future when planning for retirement
The benefits of zeroes over losses within your investments
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
When you have a water leak, you call a plumber. When you need to create or manage a retirement plan, you call a retirement income specialist.
In this episode, Tim Whisler discusses the role that a retirement expert plays within retirement planning. Tim shares the difficulties of self-managing a retirement plan and the different elements of a holistic financial plan.
Tim discusses:
Why you should hire a retirement expert
The difficulties of taking financial advice from friends and family
The importance of understanding the different stages of life and how your spending will change
The role of liaising gains and relieving pains in your retirement plan
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
Your retirement age can impact the cost and benefits gained during your retirement.
In this episode, Tim Whisler reveals the flow of retirement as you age, from high to low spending. Tim discusses the risks you should consider when planning retirement and how a delay in retirement could grant you huge financial benefits.
Tim discusses:
The retirement spending smile
The importance of risk management when it comes to your retirement spending
How delaying your RMDs to a certain age could increase your benefits
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
When you hear the word legacy, what comes to mind? What do you want your legacy to be? The legacy you leave behind can begin with a simple donation.
In this episode, Tim Whisler is joined by Phil Newton, founder and partner of Perennial Partners. Phil shares how charitable gifting can be beneficial for your retirement planning and your financial legacy.
Phil and Tim discuss:
The benefit of donating your IRA distribution to charity
From 1993 to 2014, Phil Newton has worked in administration at four Peoria and Bloomington IL charities, including 12 years as Executive Director at South Side Mission. In his time there, he helped grow the organization’s budget 250% during recessionary times, without any government funding. Also in that time, he helped the organization eliminate debt and amass a year-end cash on hand equal to one fifth of its annual budget with the use of wills, trusts & life insurance giving. In his time at South Side Mission, Phil also completed two Five Year Strategic Plans and developed a strong Board of Directors/staff/volunteers partnership in fundraising. During his time there in 2008, South Side Mission was named one of the Top 10 Grassroots Ministries in America (Samaritan Award) by World Magazine and the Acton Institute of Grand Rapids, MI.
He has enjoyed success in all aspects of fundraising; from planned giving and major gifts to grantsmanship, annual giving, and even charity business development. He is adept at “thinking outside the box” to help organizations develop and maximize revenue. His marketing and public relations background has served well the organizations for whom he has worked as each of them have raised their profile and developed vibrant niches under his direction.
Phil is a graduate of Auburn University with a Master of Arts in Communication with a Public Relations emphasis. While at Auburn, he had a paper accepted for the annual SCA convention. His Bachelor’s degree is also in Communication, from Eastern Illinois University, where he was a part of their collegiate speech team, earning national qualifier status in 1992.
Beginning Perennial Partners in 2014, Phil has worked with more than 50 nonprofits and small businesses. Budget sizes range from $3,000 annual all the way up to $24 million.
Phil lives in Peoria with his wife, and five children. In 2012, he authored Homeschoolers, Hippies & Heirloom Tomatoes which is available on Amazon. In his spare time, he loves supporting his children’s activities, the great outdoors, and playing guitar.
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
What is your magic number to create the retirement you dream about? Do you know how much you truly need to have saved to live your dream retirement?
In this episode, Tim Whisler shares his process for helping clients create a retirement plan around their personal retirement number. Tim discusses the important questions you should be asking yourself and how the answers could benefit your retirement plan.
Tim discusses:
The importance of understanding your expected expenses in retirement
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
You don’t have to be a professional financial advisor to understand the basics of planning.
In part one of this two-part series, Tim Whisler dives into five of the most common mistakes 401(k) and IRA owners make. Tim helps you discover the taxes you are paying but shouldn’t be, and shares ways you could save even more.
You will learn:
5 of the most common errors 401(k) and IRA owners make
The potential advantages and drawbacks of withdrawing IRA inheritance
How the SECURE Act impacted retirement income
The taxes you can avoid paying for different planning mistakes
And more!
Listen now as Tim Whisler reveals the taxes you could avoid when planning your retirement!
Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.
