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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!

Coasting in Retirement Ep 19: Should I Manage My Own Money? Thumbnail

Coasting in Retirement Ep 19: Should I Manage My Own Money?

Retirement Funding 401(k) Wealth Management Financial Planning Qualified Plans Investment Management Investments Retirees Pre-Retirees Coasting in Retirement

As the old saying goes, there’s no such thing as a free lunch, and that applies to your investments. Whether you’re a do-it-yourselfer paying 6 bips using low-cost index funds, or you’re a variable annuity customer paying over 300 basis points(!), you’re paying someone a certain amount to invest your money. The question becomes – are you getting what you paid for?

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Coasting in Retirement Ep 18: Be Careful using IRS Rule 72(t) to Retire Early Thumbnail

Coasting in Retirement Ep 18: Be Careful using IRS Rule 72(t) to Retire Early
Retirement Funding 401(k) Wealth Management Financial Planning Qualified Plans Investment Management Investments Tax Strategies Retirees Pre-Retirees Coasting in Retirement

Rule 72(t) is a section of the IRS code that covers the exceptions and processes that allow you to withdraw money from your qualified retirement accounts be age 59 ½ and not pay the typical 10th early withdrawal penalty.

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Coasting in Retirement Ep 17: The Good, the Bad and the Ugly of Roth Conversions & Back-Door Roths Thumbnail

Coasting in Retirement Ep 17: The Good, the Bad and the Ugly of Roth Conversions & Back-Door Roths
Retirement Funding 401(k) Wealth Management Financial Planning Business Owner Planning Beneficiaries Qualified Plans Investment Management Investments Tax Strategies Retirees Pre-Retirees Coasting in Retirement

A Roth Conversion is a pretty simple concept to grasp. Basically, you take a withdrawal from the assets that you have accumulated in a pre-tax qualified account, or in plain English, a traditional IRA, and then that withdrawal is deposited into a Roth IRA account soon thereafter.

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