How can your financial planner help you feel truly comfortable that your retirement savings and income will be there when the time comes?  Have you ever heard of portfolio stress testing for retirees?  Nothing is guaranteed, but it’s a really good use of technology to help predict all the possibilities that might happen in every market correction in the future.  This is the way to be sure you can ride out a Bear market without dipping into your market investments at the wrong time.

In this episode, Kevin Leon the Regional VP of Trilogy Financial Services goes into details about the portfolio stress test.  Dino and Jeff discuss topics like:

• How do you test the stress of a portfolio?
• What role does diversification play in retirement?
• How does a written financial plan relate to a stress test?
• Is there a particular age group for which you use Monte Carlo testing?
• What are key questions that make sure that a financial planner is compatible with the client?

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Many people who have gone through divorce site it as their darkest time.  In fact, the divorce statistics are so staggering in Southern California that it’s truly amazing that people get married at all.

In this show Colleen McNamee from McNamee Mediations came on to discuss the Top 10 Reasons for Divorce.  Here are some of the highlights:

• What’re the divorce trends currently?
• Why choose mediation over a divorce attorney?
• Does a no fault state make divorce more difficult or easier?
• How does a mediator handle the emotions of a divorce?
• What are the divorce rates in Southern California?
• Financial difference between mediation and attorney legal fees?

For past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com 

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The bottom line when it comes to good financial planning is to put your goals in writing starting today through the moment you pass your assets to your heirs.  Writing your goals into a sound financial strategy has an incredible ability to clear and focus your mind and habits.

In this episode, Jeff Seuferling from Trilogy Financial Services discusses the process of writing a solid financial plan.  Dino and Jeff discuss topics like:

• Planning with a low income
• Leveraging time to create wealth
• The Evolution of the Written Financial Plan
• Technology and the Financial Plan

For past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com 

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Making the decision to be an Entrepreneur is not an easy one.  It’s filled with fears and doubts, but also the excitement of possibilities.  The great thing is that no matter what industry you are in, the fundamentals of owning your own business are the same.

In this episode, Justin Williams from House Flipping HQ is on to discuss how he went from debt to flipping over 400 houses.  Dino and Justin discuss topics such as:

• How focus will make you rich
• Knowledge leads to success
• Building A System For Flipping Houses
• Business Coaching
• Preparing For A Changing Market
• Having A Partner vs. Do It Yourself
• “The E-myth”

For past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com 

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Would you like some practical tips for financial success?  Of course you would and here’s why.  Regardless of whether you make a lot of money or not, you can have a healthy retirement if you follow a few simple rules.

In this show Kevin Leon, the Regional VP of Trilogy Financial Services will change your perspective in 30 minutes of great information.  Here are some of the highlights:

• Paying off Credit Cards for success
• When to pay off the house
• Using cash
• To buy or lease a car
• Difference between a Roth IRA vs a Regular IRA
• Unmet expectations
• Finances

For past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com 

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Credit has been both an incredible benefit and detriment to Americans over the years depending entirely on how diligent someone had been.  Good credit can save you thousands of dollars a year, while bad credit can cost you thousands a year.  The challenge is that so often what the credit bureaus are looking for is not only confusing, but it changes consistently.

Derek Boyd from Credit Law Solutions is highly respected in the area of credit repair supported by a very high number of 5 star reviews on yelp.  In this episode Derek explains in detail what credit means and how it can be improved.  Here are some of the questions Dino asked Derek:

• What’s the normal amount you can increase someone’s credit score?
• What makes a good credit repair company?
• Can you help anyone repair their credit?
• Is credit repair a quick fix or does it last?
• How much does credit repair cost?
• Can you help someone through a Bankruptcy?

For past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com 

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Why would you want to work your whole lives just to give all of your assets away to the government and other 3rd parties at the time of your death?  The answer is that you wouldn’t;  nor would you want to have little or no control over medical decisions if you’re injured.

Tom Walden, Senior VP of Investments with Trilogy Financial Services came on to discuss these and other very impactful reasons to sit down with an estate planning professional.

• Why is estate planning important for your clients?
• What is probate and/or what would trigger probate?
• What does Guardianship for Minors mean?
• Are there taxes due at someone’s death?
• As A Financial Advisor How can you help a client save on Estate Taxes?
• How do your clients start the estate planning process

For past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com 

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Divorce is a painful process that can rob a couple of their dignity and their finances.  In fact, many people who have gone through divorce site it as their darkest time.  What if there were a process that would allow you to save money on the lawyers fees and deal with each other in a way that would help you to maintain a friendship?  Better still, what if you could avoid divorce entirely through proper planning and communication?

In this show Colleen McNamee from McNamee Mediations came on to discuss the Top 10 Reasons for Divorce.  Here are some of the highlights:

• Getting married for the wrong reasons
• Lack of individual identity
• Becoming Lost in the Roles
• Not having a shared vision for success
• The intimacy dissappears
• Unmet expectations
• Finances

For past shows and to learn more about the Money matters With Dino community, check us out at www.moneymatterswithdino.com 

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Wing Lam is the Co-Founder of Wahoo’s Fish Tacos and the epitome of a marketing entrepreneur.  In this fascinating show Wing gave a no-holds-barred account of how he built the Wahoo’s empire from one location on the beach of Southern California to 65 locations in 7 states.

"The lowest person on the totem pole in your organization needs to be able to execute." - Wing Lam

• Tell me about your business…  What do you guys do and who is your client?
• How did you come up with it?
• Did you have a partner when you first started?
• Did you have the money yourself to start or did you borrow from someone or institution?
• Did you have an MBA like business plan or did you bootstrap it?
• Tell me about those days
• Is today’s business different from how it use to be?
• What do you think of today’s generation as apposed to yours (if different)?

Many times talking about life insurance can feel like an uncomfortable conversation, but it doesn’t have to be that way.  If you work with the right professional what you’ll realize is that it’s really just about doing the math so that your family is protected.  Life insurance can take care of things like replacing your income, paying off debt, funding college plans and leveraging estate tax issues.

In this show the Regional VP of Trilogy Financial Kevin Leon breaks down the types of life insurance you will need based on your current situation and future goals.  Here are some of the questions Dino asked Kevin:

• Why should people have life insurance?

• What types of insurance are available today?

• How much insurance does a typical family man need?

• Is work term life insurance any good?

• What are accelerated benefit riders and do all life insurance policies have these available?

• What could happen if people do not have coverage and something happens?