Tag Archives: Rick Dwyer

Episode 15 – Company-Related Factors You Need To Consider When Building a Financial Plan



Creating a financial plan can be daunting, no doubt. 

While you need to prepare from your side, the financial firm you’re working with needs to be prepared as well.

In this episode, Rick Dwyer shares two important factors that you should consider when choosing your financial firm. Rick highlights why you should be familiar with their planning approach as well as with the fees they are going to charge you. 

You will learn:

  • Why it is so important to know a company’s approach when you’re working with them to build your plan 
  • The truth about considering fees that are too high or too low when looking for companies to develop your plan 
  • Tax and estate planning factors you need to be aware of when working on your financial plan 
  • The importance of communication between the professionals who are handling your planning 
  • And more!

Listen today, and find out why’s never too early to start planning!

Resources: Argallus Financial Group: (904) 800-7299 | Rick Dwyer  | Vanguard  | T. Rowe Price


Episode 14 – Everything You Need to Know About the Tax-Free Master Plan Strategy



It can be hard to plan ahead when there are plenty of financial concerns and distractions. While many professionals and business owners say they are on track with their financial planning, not all are confident or even ready for retirement.

In this episode, Rick Dwyer discusses his tax-free master plan, which he developed to help people earning over $150,000 minimize the impact that taxes will have on their financial future.

You will learn:

  • Why and how the Argallus tax-free guide helps people earning over $150,000 minimize the tax impact
  • From investors to business owners: Who benefits from the tax-free master guide 
  • The four key tax-related issues you may be concerned about 
  • Why the firm’s tax-free master plan strategy is so unique compared to other programs 
  • And more!

Tune in today and learn how a strategy like Argallus Financial’s tax-free master plan can help you save money and protect your assets in retirement!

Resources: (904) 800-7299 | Argallus Financial Group | Rick Dwyer | Bloomberg Article: 401(k) Plans No Longer Make Much Sense for Savers


Episode 13 – The Ins and Outs Of Employee Benefits – With Guest Jason Portz



Believe it or not, employee benefits are not just for employees. They can also be a huge benefit to employers.

In this episode, Rick Dwyer sits down with Argallus Financial’s national field director Jason Portz. Today, Jason breaks down the ins and outs of employee benefits. He reviews its pricing, limitations, and other considerations to help employees, employers, and individuals pick the right one. 

In this episode, you will learn:

  • Which health benefits Argallus Financial Group offers through agents such as Globe Life Family Heritage Division
  • What supplemental policies are, and why they are convenient to have 
  • 100% return of premiums, nearly no limitations, and four levels of pricing: What makes the policies at Argallus and Globe Life special 
  • How both firms help those who don’t have employers access health-related benefits  
  • And more!

Employers, employees, and individuals, tune in today to learn how Argallus Financial Group and Globe Life Family Heritage Division can help you find the health benefits that fit your needs and budget! 

Resources: (904) 800-7299 | Argallus Financial Group | Rick Dwyer | Globe Life Family Heritage Division | Jason Portz 


Episode 12 – Tax Planning Considerations For Business Owners



Tax season is not a yearly event. Instead, it’s something you should be aware and conscious of throughout the year, especially if you are a business owner.  

In this episode, Rick Dwyer discusses all things tax planning, from the tax code to minimizing taxes. Tune in to discover tax-related considerations business owners should always be mindful of.

In this episode, you will learn:

  • How the tax code functions, and why is it considered to be a dynamic process 
  • Why advisors should always look after their clients’ taxes 
  • How employee retirement plans can reduce their employers’ tax liability
  • From charities to corporate structures: Different tools business owners and contractors can use to minimize their taxes
  • And more!

When it comes to taxes for business owners, tune in, and learn why one should be informed rather than uninformed!

Resources: (904) 800-7299 | Argallus Financial Group | Rick Dwyer 


Episode 11 – How To Successfully Establish and Grow A Business



While many people dream of owning a business, making it a successful, profitable reality requires hard work and understanding. 

In this episode, Rick Dwyer discusses several ways you can establish and grow your business. He offers insight into the different ways you can structure operations, maximize profits, and minimize taxes.

In this episode, you will learn:

  • The types of corporate structures and entities you should consider when building your business  
  • How a buy-sell agreement can help business owners and their partners in case someone gets seriously ill or passes away 
  • Why you should consider revising the cost of remediation of your business
  • How Argallus Financial can help clients get their taxes as low as possible 
  • And more!

Tune in to discover how to successfully establish and grow a business!

Resources: (904) 800-7299 | Argallus Financial Group | Rick Dwyer | Profit First – Mike Michalowitz


Episode 10 – Financial Planning For Retirement 101



At some point in your life, you will need retirement income. But do you know how much you’ll need to live comfortably and where you should be getting it from?

In this episode, Rick Dwyer discusses and answers key questions about how pre-retirees can support themselves in retirement. 

In this episode, you will learn:

  • The role of a financial plan in determining the amount of money you need
  • How to establish the source of income for financial and retirement planning
  • The importance of planning for long-term care and healthcare in retirement 
  • The importance of legacy and wealth transfer planning 
  • And more!

Tune in to discover the different ways you can categorize your essential and non-essential expenses to plan them for retirement! 

Resources: Argallus Financial Group | (904) 800-7299 


Episode 9 – One Advisor’s Approach to Asset Management



While client asset management is a big part of being a financial advisor, every professional has a different way of handling them. 

In this episode, Rick Dwyer discusses how Argallus Financial Group manages their clients’ asset management and what approach the firm takes to the managed money process. 

In this episode, you will learn:

  • What assets under management (AUM) are, and how the Argallus Financial Group team can help you manage them 
  • Strategies the firm uses to help clients decide how much risk they can tolerate
  • The benefits of buying individual stocks instead of mutual funds or ETFs
  • How to manage client’s expectations in a “fantastic gain” scenario 
  • And more!

Tune in and learn how this team can get your asset management process started! 

Resources: Argallus Financial Group | (904) 800-7299


Episode 8 – You Can Be Debt-Free



For so many Americans, “debt-free” may seem like a dream that’s just a little bit out of reach. But it doesn’t have to be. 

In this episode, Rick Dwyer discusses strategies to reduce and eliminate your debt in order to become debt-free. Rick shares his insight about different types of loans and steps you can take in order to dramatically reduce interest payments. 

In this episode, you will learn:

  • The difference between closed and open-end loans
  • Multiple strategies to reduce your interest costs across different types of loans
  • The single most important strategy to become debt-free
  • And more!

Tune in to learn how to become debt-free!

Resources: Argallus Financial Group | Rick Dwyer | (904) 800-7299


Episode 7 – A Deep Dive into Insurance Adjusting – with Guest Mark Goldwich



Gold Star Adjusters knows the insurance game inside and out—and they have your best interest in mind.

In this episode, Rick Dwyer is joined by the company’s president and CEO, Mark Goldwich, who explains the role of Gold Star Adjusters when it comes to presenting a claim to achieve the maximum settlement for a loss. 

In this episode, you will learn:

  • Mark Goldwich’s experience as a policyholder professional 
  • How to spot an insurance company adjuster 
  • Why it is important to verify the license of a public insurance adjuster  
  • Mark’s Veteran Claim Victory non-profit organization and its ties to the insurance business  
  • And more!

Tune in as Mark discusses how his firm prepares and negotiates your claims with your best interests in mind! 

Resources: Argallus Financial Group | (904) 800-7299 | Mark Goldwich | Gold Star Adjusters | Veterans Claim Victory 


Episode 6 – What to Do with an Unwanted Life Insurance Policy – with Guest Lisa Rehburg



Did you know that there are many ways you can benefit from an unwanted life insurance policy? 

In this episode, Rick Dwyer and guest, Lisa Rehburg, discuss several options you can consider before dropping or letting an unwanted life insurance policy expire.

In this episode, you will learn:

  • What a life insurance settlement is
  • The difference between a term and permanent policy 
  • The three factors that determine a policy payment 
  • Solutions for when you don’t want or need a policy 
  • And more!

Tune in as Rick and Lisa highlight how a policy can change depending on an individual’s life expectancy! 

Resources: Argallus Financial Group | Rick Dwyer | Lisa Rehburg | Rehburg Life Settlements