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Welcome to the Gulf Coast Financial Advisor's Podcast Network! 

Coasting in Retirement:

Coasting in Retirement is dedicated to the financial planning and investment management needs of pre-retirees and retirees living an active lifestyle along our part of the Gulf Coast. Host Josh Null and co-host Michelle Melton dive into relevant financial topics, plus have a little fun with the "Michelle with the Headlines of the Week" and "Josh's Crystal Ball & Big Mouth" segments. You can hear the original broadcast of Coasting in Retirement every Sunday starting at Noon on 106.5 FM out of Mobile and every Monday starting at 10 AM on WHEP 92.5 FM / 1310 AM out of Foley.  


Focus on the 5: 

Focus on the 5 is conversations with Baldwin County, Alabama area entrepreneurs and business leaders. Alabama numbers its counties, with Baldwin County being number 5 of out 67 total, hence the name of the show. Tune in to hear great conversations with local people as they describe their professional and personal journeys to entrepreneurship, business ownership, and more often than not, overcoming obstacles that changed the trajectory of their lives.


Every Dollar Counts with Josh & Jay:

Dedicated to those interested in planning for their future and wanting to learn more about how investments and insurance really work. Join co-hosts Josh Null & Jay Stubbs every week as they break down products and services in an easy going and educational manner!

Episode 55: Long Term Care with Jay Stubbs Thumbnail

Episode 55: Long Term Care with Jay Stubbs

I want to discuss what is called an “evergreen” topic with Jay Stubbs on our show – Long Term Care. I’ve been getting a lot of questions about long-term care recently, and as Jay is considered an expert in this field, I wanted to spend 15 to 20 minutes with Jay discussing everything a person should know about long-term care insurance and how to financially navigate an extended health care event. Let’s start with this because many listeners have probably never had this type of protection explained in detail to them – Jay, how do you define long term care insurance?

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Episode 54: Just Stop It Thumbnail

Episode 54: Just Stop It

Regular listeners know that I tend to be skeptical of a lot of things related to my own industry, financial services, including a lot financial advertisements and glossy marketing content masquerading as responsible financial advice, as Michelle knows firsthand, I get very, very irritated when I hear someone in my line of work espouse a bunch of info that is nothing more than lies. And in times of market turbulence, this type of misinformation gets shouted from the roof tops. So with that in mind, we’re going to play a little game of “Just Stop It”, kind of like true or false, except, everything Michelle is going to say is false, and I’m going to try to smack some sense into those of you listening that are considering these financial tactics. 

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Episode 53: Well, That Was Fun Thumbnail

Episode 53: Well, That Was Fun

We are recording this episode on Thursday, April 10th, less than 24 hours removed from the largest single day rise in the stock market valuation, right smack dab back into another 2-3% trading dip. The word “historical” gets way overused, but in the case, it’s not hyperbole to say that we are experiencing truly historical levels of volatility, eclipsing even the crazy ups and downs we saw at the beginning of the Covid crisis. And for a radio show based on top-of-mind topics for investors in or near retirement, or any investor of any age I would say, I think it goes without saying that tariffs and resulting stock market volatility is certainly on the minds of most of you tuning in. Last episode we discussed the reasons for this volatility, this episode we’re going to talk about what to do about it, particularly you investors that may not have the stomach for this roller coaster.

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Episode 51: What is Going on with the Stock Market? And How to Handle It.  Thumbnail

Episode 51: What is Going on with the Stock Market? And How to Handle It.

Lest time JD and I were together in studio, the stock market was on a tear, we both agreed it was reacting very positively to the then recent election of Donald Trump, and all indications were that investors were headed for blue skies after experiencing so much volatility. But…a lot has changed since then! Instead of smooth sailing, we’ve had increased volatility as the markets react to President’s Trump’s various tariff pronouncements, along with stubborn inflation numbers and uncertain geopolitical situations. So what I want to discuss today with you is a little deeper dive into why the market is experiencing all of these up and down gyrations, but more importantly, what investors can do about it. Can investors do anything with their investment portfolios other than just hang tight? That is a question that JD and I will attempt to answer today.

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Episode 50: How to Invest in 2025…and Beyond Thumbnail

Episode 50: How to Invest in 2025…and Beyond

The question we’re going to tackle today is both a timely one and a timeless one: how concerned should investors be with investing their money into tax-deferred accounts or products, versus what are the pros and cons of investing in after tax accounts? Should investors be leaning fully into what is technically called qualified retirement accounts, or is this a good time to look at beefing up their after-tax accounts, or, maybe even considering a Roth conversion? Our financial services industry has historical operated under the assumption that tax rates are going to go up in the future, but my question to you Jay is…are we so sure? I seem to recall some recent chatter about abolishing income taxes totally, right? Today we hope to both explain the different options available to investors and give our educated opinion on how to maximize the impact of them.

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