I had a terrifying experience yesterday coming home from a nice Sunday drive and lunch at King Vineyards outside Charlottesville. Beginning the drive on 64 up Afton Mountain I was passing an 18 wheeler when I began to pass out while driving. I had a persistent cough that just got away from me and I started fading out. Jeni was very alarmed but I could do nothing. The one thing I did was took my foot off the gas. I was able to recover and missed the big rig by millimeters! I was able to pull over and make sure I was ok before we started home. Syncope runs in my family with my Dad and older sister. The only time I ever experienced anything similar was with family game night some 16 years ago when I laughed so hard I totally Blacked out for 5 or 6 seconds. IT led me to say I would not mind if I died laughing since it was so painless. But a high speed wreck on a highway with my beloved wife of 41 years beside me is something to cause fear in anyone. So it's off to see my doctor today and make sure I check out healthy. That was the scariest moment of my life yesterday! I am so glad to be alive and unharmed and for this I thank God and God alone!

Every heard of that term....it means All Available Assets. Many advisors call themselves holistic, but really they don't utilize all available assets in their plan. Are you an advisor who only looks at what's in the client's hand and pockets but not what's stored in their closets? There is an asset that 90% of clients have and yet 95% of advisors are afraid to utilize when doing planning for a client. What is that tool - it's a HECM (Home Equity Conversion Mortgage). Numerous Economists and Financial Experts have proven that this tool will help (not hurt) over 90% of retirees. I found this picture today that will help you get an idea of how it can be a tool to utilize if you want to be a true holistic advisor.

I submitted a Roth conversion case with our back office today. This case was an appointment from anywhere advisors program. The 401k account balance is $700,000. I will keep every posted on process.

I had 4 scheduled intake zoom calls for the week. 2 - rescheduled 1 - no show today 1 -Tuesday At 9:03am today David turned my campaign back on, and as of now 8 more 1st appointments scheduled. Activity! Activity! Activity! I will find the needle in the haystack!

Sick now 16 days with Covid, I was unable to sleep and what popped into my tiny brain…IRA’s and RothIRA’s are not qualified plans, thusly, not creditor protected?? Our clients are oftentimes a target as they fit the criteria: enough to make it lucrative(over 500k) for attorneys and often less than 10million where we can expect them to take asset protection measures seriously. Am I looking at this wrong?