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 49: Are Fee-Based Financial Advisors the Best Choice for Investors? Thumbnail

Episode 49: Are Fee-Based Financial Advisors the Best Choice for Investors?

February 24, 2025 401(k) Wealth Management Financial Planning Business Owner Planning Investment Management Investments Tax Strategies Coasting in Retirement

Most workers get paid in a couple of basic ways, maybe salary as a W2 employee like Michelle, maybe hourly or on commission as a 1099 subcontractor. Now, you would think my profession, financial planning and financial advising, would be the same, right? Well listeners, I’m here to tell you that it’s not, that the various advisors and agents and reps and planners in my line of work get paid in all kinds of ways, and knowing how your financial advisor is getting compensated is way more important than you probably realized. In fact, you can almost pre-determine the type of financial advice you’re going to get if you know how the advisor is paid before you meet them. Unfortunately, these various pay structures can produce all kinds of conflicts of interest, and if your advisor has the wrong set of conflicts for your particular situation, it can have devastating effects on your investment portfolio. What we are going to be talking about today is the eat-what-you-kill side of our business, where a regular paycheck is never a guarantee, especially when you’re new to the business. And we’re also going to disclose how we get paid at Gulf Coast Financial Advisors, including doing my best to explain any conflicts of interest we have, because we all have them.

Focus on the Five Episode 2: Jon Jiovenetta with That's My Dog and More Thumbnail

Focus on the Five Episode 2: Jon Jiovenetta with That's My Dog and More

February 21, 2025 Business Owner Planning Marketing Social Media Digital Marketing Focus on the 5

On this week's episode, Pedro interviews Jon Jiovenetta, the owner of That's My Dog and More. 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.

Focus on the 5 - Josh Null with Gulf Coast Financial Advisors Thumbnail

Focus on the 5 - Josh Null with Gulf Coast Financial Advisors

February 18, 2025 Retirement Funding 401(k) Wealth Management Financial Planning Business Owner Planning Marketing Social Media Digital Marketing Investment Management Investments Focus on the 5

On this week's episode, Pedro interviews Josh Null, the CEO of Gulf Coast Financial Advisors. 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.

Episode 48: Business Succession Planning Thumbnail

Episode 48: Business Succession Planning

February 17, 2025 Retirement Funding Wealth Management Financial Planning Business Owner Planning Inheritance Estate Tax Beneficiaries Qualified Plans Investment Management Retirees Coasting in Retirement

I think that most small business owners would agree that the idea of passing on their business to the next generation or selling it to a trusted partner can be both exciting and daunting. A well-thought-out succession plan ensures that your business continues to thrive without you at the helm, and it's something you should start thinking about sooner rather than later. So Jay, I am going to lay out some of the most common ways to pass on business to the next generation, and discuss much more on this week's episode of Coasting in Retirement.

Episode 39: True or False Insurance Questions Thumbnail

Episode 39: True or False Insurance Questions

September 23, 2024 Wealth Management Financial Planning Business Owner Planning Financial Wellness Investment Management Investments Coasting in Retirement

So Jay and I thought we would test each other’s insurance knowledge and hopefully shed some light on common questions, sometimes common misconceptions, about insurance. Specifically, life insurance, disability income insurance, and long term care insurance. We are also going to delve into the news of the week and our predictions for the future. We may even get into the effects of the election on financial investors.

Episode 38: Vampires Thumbnail

Episode 38: Vampires

September 11, 2024 Wealth Management Financial Planning Business Owner Planning Financial Wellness Investment Management Investments Tax Strategies Coasting in Retirement

Now of course we’re not talking about real blood sucking vampires – those don’t exist, right Michelle? – but more reality-based vampires. I’m talking business partners that suck you dry, personal relationships that drain you of your life’s blood, and most important for our listening audience, the vampire activity that my industry, financial services, often inflicts on the investing public. You may be unknowingly paying thousands of unnecessary fees in your investment accounts to these financial vampires! Our episode today will give you the information you need to recognize these blood suckers before they get their fangs into your money.