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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 54: Just Stop It Thumbnail

Episode 54: Just Stop It
401(k) Wealth Management Financial Planning Investment Management Investments Tax Strategies Retirees Pre-Retirees Coasting in Retirement

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 50: How to Invest in 2025…and Beyond Thumbnail

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

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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?
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.

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Episode 38: Vampires Thumbnail

Episode 38: Vampires
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.

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Episode 36: How to Work With Us Thumbnail

Episode 36: How to Work With Us
Retirement Funding 401(k) Wealth Management Financial Planning Beneficiaries Financial Wellness Qualified Plans Investment Management Investments Tax Strategies Retirees Pre-Retirees Coasting in Retirement

Michelle and Josh are here to work with investors of all sizes – should you describe an investment asset level? If so look at your ADV, I think it’s $100k but be sure to say that you work with all sizes and you bet on the person, not the account balance The advisor needs to be able to produce something in writing AND easily describe how it works Frequent disclosures, or complaints, that have a consistent theme, which FYI is usually around unsuitable investment recommendations or illiquid product sales.

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