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 50: How to Invest in 2025…and Beyond Thumbnail

Episode 50: How to Invest in 2025…and Beyond

March 9, 2025 401(k) Wealth Management Financial Planning Investment Management Investments Tax Strategies Coasting in Retirement

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.

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.

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 47: Slaying the Stock Market Boogey-Man Thumbnail

Episode 47: Slaying the Stock Market Boogey-Man

February 2, 2025 Wealth Management Financial Wellness Investment Management Investments Coasting in Retirement

On this week's episode of Coasting In Retirement, Josh discusses how, unfortunately, fear selling is used in his line of work. And more often than not, it’s fear-based selling intended to invoke a certain apprehension about the stock market in order to sell an insurance product. This episode is going to answer the question of how would selling the fear of the stock market help someone sell an insurance product. And in the process hopefully help you overcome your fear of stock market investing so that you aren’t leaving thousands of dollars of potential gains on the table and being steered into products that often benefit the insurance company and the selling agent more than you.

Episode 46: What We Learned in 2024 and What We See Ahead for 2025 (and Beyond) Thumbnail

Episode 46: What We Learned in 2024 and What We See Ahead for 2025 (and Beyond)

January 12, 2025 401(k) Financial Planning Investment Management Investments Retirees Coasting in Retirement

Today each of your hosts – Josh, Jay and Pedro, are going to talk about what we each learned in 2024, what we each think 2025 has in store for us. We intend to lean into with yet another opportunity ahead of us to intentionally shape our lives and the lives of those close to us. Do we have any regrets from this past year? Of course, and with this being an open and honest show, we’ll share some of them. Do we have concerns about the state of the world? I mean, as we record this, parts of California are literally on fire, our New Orleans family endured a terrible tragedy, there are so many things in the world to worry about. But part of my argument will be that in the history of mankind, there’s never been a better time to be alive than right now.

Episode 45: Estate Planning with Jennifer King Thumbnail

Episode 45: Estate Planning with Jennifer King

December 15, 2024 Retirement Funding 401(k) Wealth Management Beneficiaries Financial Wellness Retirees Pre-Retirees Coasting in Retirement

As part of the comprehensive financial planning services we offer at Gulf Coast Financial Advisors, one of the most important segments of our client’s life we want to help get buttoned up is their estate planning needs. Now given that we are not attorneys ourselves, just financial advisors, to accomplish this we reach out to our preferred attorney partners, with Jennifer King's firm being at the top of the list. While Jennifer and her husband Dusty handle a multitude of legal services, what I wanted to focus on today were the 3-4 most common questions I often get from new clients.