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!

Double whammy: the impact of Covid & Hurricane Sally to the Gulf Coast Thumbnail

Double whammy: the impact of Covid & Hurricane Sally to the Gulf Coast

September 29, 2020 Financial Planning Business Owner Planning Life Insurance Disability Income Financial Wellness Emergency Fund Investments

Josh and Jay discuss the impact of Hurricane Sally plus everything that has changed over the past 6 months while dealing with the Covid pandemic

How 401k plans have evolved over the years and the impact to plan participants Thumbnail

How 401k plans have evolved over the years and the impact to plan participants

August 12, 2020 Retirement Funding 401(k) Business Owner Planning Financial Wellness Qualified Plans Investments Plan Sponsors Retirees Pre-Retirees

Retirement plans experienced a monumental shift from the days of the company taking care of it’s employees' retirement needs, both in the accumulation phase and distributions in retirement, to current day where many plans are self directed and require the plan participant to make investment and withdrawal decisions on their own.

Why plan sponsors should benchmark their 401k plans every 3 years Thumbnail

Why plan sponsors should benchmark their 401k plans every 3 years

July 22, 2020 Retirement Funding 401(k) Business Owner Planning Qualified Plans Investments Plan Sponsors

From fee compression to increased litigation to more educated plan participants, the days of “set it and forget it” for 401k plans are over. The generally held legal interpretation is that a plan sponsor / business owner need to to benchmark their retirement plan every 3 years to stay compliant.

How an Employee Stock Ownership Plan (ESOPs) works Thumbnail

How an Employee Stock Ownership Plan (ESOPs) works

March 19, 2020 Retirement Funding Wealth Management Financial Planning Business Owner Planning Executive Benefits Inheritance Estate Tax Beneficiaries

The primary business owner can potentially sell company stock in a tax-free manner to the employees and there are potential tax savings related to lack of income taxes paid at the corporate level with an ESOP.

How to use Non-Qualified Deferred Comp plans as "golden handcuffs" for your key employees Thumbnail

How to use Non-Qualified Deferred Comp plans as "golden handcuffs" for your key employees

March 5, 2020 Retirement Funding 401(k) Financial Planning Business Owner Planning Executive Benefits Life Insurance

Non Qualified Deferred Comp is a way to offer additional benefits to incentivize your key employees to stay loyal to the company, while providing some element of control for the provider of the plan.

How small business owners can use Cash Balance plans as a Defined Benefit retirement option Thumbnail

How small business owners can use Cash Balance plans as a Defined Benefit retirement option

February 13, 2020 Retirement Funding 401(k) Wealth Management Financial Planning Business Owner Planning Executive Benefits Life Insurance Inheritance Estate Tax Beneficiaries Qualified Plans

We discuss why a business owner would consider a Defined Benefit Plan and how a business owner with a fully funded 401k can layer a Cash Balance Plan on top to provide additional future retirement income.