Shows
Navigating an Abundant Retirement with Carol DeweyWhy Most Retirement Plans Fail — And the Navigator Framework That Fixes ItIn this episode of Navigating Abundant Retirement, Carol Dewey addresses a hard truth: most people don’t actually have a retirement plan; they have a collection of financial products.Even successful savers and investors often feel uncertain about taxes, market downturns, healthcare costs, and income sustainability. The issue isn’t effort; it’s framework. Carol explains why traditional retirement planning fails and introduces the Navigator Framework, a coordinated, adaptive approach designed to help retirees move from accumulation to confident navigation. Why Most Retirement Plans Fail …Why Most Retirement Plans Break DownAssumption-based planning...
2026-02-1209 min
The Owner's PlaybookMonopoly Control: How to Build Your Competitive MoatIn this episode of The Owner’s Playbook, Carol Dewey breaks down one of the most powerful drivers of company value: Monopoly Control — your competitive moat.Monopoly Control is your pricing power. It’s what protects your profits, strengthens your valuation, and makes your business the first, best, or only choice in your market. Carol explains why specialization beats generalization, how buyers evaluate defensibility, and how owners can move from commodity to category leader.Key TakeawaysMonopoly Control = your unfair advantageIf you compete on price alone, you’re a commodityThe three forms of control: Brand, P...
2026-02-0512 minNavigating an Abundant Retirement with Carol DeweyThe Risks No One Warns You About After Financial SuccessIn this episode of Navigating Abundant Retirement, Carol Dewey explores the hidden risks that often emerge after financial success, the ones that don’t show up in performance reports or headlines. These risks are subtle, gradual, and frequently overlooked, yet they can quietly undermine confidence, income, and peace of mind in retirement.Carol explains why success can create blind spots, how retirement changes the rules around decision-making, and why abundant retirement planning requires more than strong investment returns. The Invisible Risks No One Warn…Key TakeawaysThe biggest retirement risks are often invi...
2026-01-2912 minThe Owner's PlaybookBreaking the Hub & Spoke Trap (Part 2)In Part 2 of the Hub and Spoke series, Carol Dewey focuses on how business owners break free from owner dependence by evolving their leadership. This episode shifts from diagnosis to solution—showing why scaling a business requires scaling the owner first.Carol explains how moving from operator to architect unlocks growth, enterprise value, and personal freedom, and why leadership capacity—not effort—is the true ceiling for most businesses.Key TakeawaysThe hub-and-spoke model limits scale and exit valueBusinesses don’t outgrow owners—they outgrow leadershipDelegation of decisions matters more than delegation of tasksSystems and leader...
2026-01-2211 minNavigating an Abundant Retirement with Carol DeweyWhy Abundant Retirement Is About More Than MoneyIn this first episode of 2026, host Carol Dewey explores the "quiet tension" many successful retirees and pre-retirees feel despite having a solid net worth. She moves the conversation beyond simple math problems and market performance to address why many feel unsettled even when they have "enough." Carol challenges the traditional view of retirement as a single event, reframing it as a complex transition that requires coordinated navigation rather than siloed advice.Listeners are invited to move from a state of "drifting" to one of "responding," ensuring their wealth is fully aligned with their lifestyle, values, and legacy.
2026-01-1509 minThe Owner's PlaybookThe Hub and Spoke Trap (Part 1)In this episode, Carol Dewey breaks down one of the most common—and costly—business owner traps: the hub and spoke model, where the owner becomes the center of every decision, relationship, and operation. While this structure may work early on, it eventually limits growth, reduces enterprise value, and traps owners inside their own businesses.Carol explains why owner dependence kills scalability and exit potential, and why the real constraint isn’t the business—it’s leadership capacity. This episode challenges owners to shift from operator to architect, laying the foundation for freedom, value, and sustainable growth. Hub...
2026-01-0810 minThe Owner's PlaybookThe Power of Preparation: Your Business Transition Blueprint for 2026In this episode of The Owner’s Playbook, Carol Dewey explains why preparation—not reaction—is the key to business freedom and successful transitions. As 2026 approaches, she outlines how business owners can move from intention to execution by preparing financially, operationally, strategically, and personally.This episode reframes traditional financial planning through an entrepreneurial lens, helping owners understand how to convert business value into personal freedom, reduce owner dependence, and create real optionality for the future. The Power of Preparation- Your …Key TakeawaysPreparation is a strategy, not a response to crisisTraditional financial planning...
2025-12-1811 minNavigating an Abundant Retirement with Carol DeweyFinish Strong 2025: Three Questions to Start the New Year with ClarityIn this final episode of the year, Carol Dewey guides listeners through a powerful year-end reflection designed to help them close 2025 with clarity and enter 2026 with purpose and alignment. Rather than traditional resolutions, Carol offers three intentional questions that help retirees and pre-retirees evaluate their progress, release what’s no longer serving them, and set meaningful priorities for the new year.Listeners are encouraged to pause, reflect, and reconnect with the deeper purpose behind their financial strategies—ensuring their wealth supports a life of peace, fulfillment, and abundance.Key Takeaways1. What worked well this...
2025-12-1108 minThe Owner's PlaybookRecurring Revenue: The Power of Predictability and FreedomIn this episode of The Owner’s Playbook, Carol Dewey explores one of the strongest drivers of business value: recurring revenue. She breaks down why predictable income improves stability, strengthens decision-making, and dramatically increases valuation—often doubling multiples compared to businesses built purely on one-time transactions.Carol explains the true meaning of recurring revenue beyond subscription models and highlights how any business, in any industry, can identify and build predictable revenue streams. She walks through the six types of recurring revenue, ranked from weakest to strongest, and illustrates why predictability matters both operationally and emotionally for owners.
2025-12-0411 minThe Owner's PlaybookThe Switzerland Structure: Creating Independence, Diversification & Durable ValueIn this episode of The Owner’s Playbook, Carol Dewey explores one of the most important drivers of company value—the Switzerland Structure, a measure of how independent and diversified a business truly is. Carol breaks down why overdependence on a single customer, vendor, key employee, or even the owner is one of the biggest hidden risks in business ownership.She discusses how dependence erodes value, increases vulnerability, and limits the future options available to the owner. Through examples and practical breakdowns, Carol outlines the three major forms of dependence that quietly weaken a company’s stability and sa...
2025-12-0409 minThe Owner's PlaybookFinancial Performance & Growth Potential: How to Measure What Really MattersIn this episode of The Owner’s Playbook, Carol Dewey breaks down two of the most critical drivers of business value: financial performance and growth potential. She explains why many owners operate without clear financial visibility and how that lack of insight affects value, scalability, and long-term freedom.Carol explores how financial statements reveal the true story of a business and why profitability alone doesn’t determine health. She also discusses the difference between being busy and performing, introducing the five financial levers that influence both value and sustainability.The conversation then shifts to growth pote...
2025-12-0411 minThe Owner's PlaybookThe Endgame: Building a Business You Can Leave, Not Just OwnIn this launch episode of The Owner’s Playbook, host Carol Dewey sets the foundation for what this podcast is all about: understanding the end game of business ownership. Drawing from nearly two decades of working with business owners, Carol introduces the core themes that will shape the entire show.She explains the universal truth that every owner will eventually exit their business and highlights the reality behind why so many planned exits fall short. The episode breaks down the difference between income and transferable value, the importance of preparing early, and the common traps owners fall in...
2025-12-0412 minThe Owner's PlaybookThe Owner's Playbook with Carol DeweyThe Owner’s Playbook is a podcast for business owners who want to think differently about the future of their company. Hosted by Carol Dewey, founder of Claris Advisory Partners, the show opens the conversation most owners delay for far too long—the end game. It’s not about the end of the business, but the beginning of freedom.Every episode explores how to build a company that can thrive without you, grow with intention, and eventually be transitioned on your terms. Whether you’re planning to exit soon or simply want more clarity and control, The Owner’s...
2025-11-3000 minNavigating an Abundant Retirement with Carol DeweyThe Gratitude Portfolio: The Wealth You Already HaveIn this Thanksgiving-themed episode of Navigating an Abundant Retirement, host Carol Dewey explores the deeper meaning of abundance—one that goes beyond account balances and market performance. Carol introduces the concept of the Gratitude Portfolio: the collection of invisible yet invaluable assets that create peace, joy, and purpose in retirement.Listeners learn why gratitude is not just an emotion but a mindset that shapes financial clarity, confidence, and decision-making. Carol walks through the four key “asset classes” of the gratitude portfolio—relationships, health, time, and purpose—and offers a practical exercise called the Gratitude Audit to help retirees r...
2025-11-2709 minNavigating an Abundant Retirement with Carol DeweyThe Year-End Playbook: 5 Moves to Lock In a Tax-Smart 2025In this year-end episode of Navigating Abundant Retirement, Carol Dewey breaks down five essential financial moves to make before December 31st. These simple but strategic actions can help you reduce taxes, improve income planning, and set up a stronger financial foundation for 2026.🔑 Short Key Takeaways1. Confirm Your RMDs & Use QCDsAvoid the 25% penalty and use charitable giving to reduce taxable income.2. Make Strategic Roth ConversionsConvert just enough to stay in your current tax bracket while rates are still low.3. Harvest Losses (and Gains)Use los...
2025-11-2109 minNavigating an Abundant Retirement with Carol DeweyThe Return on Intention: Aligning Money with MeaningIn this powerful episode of Navigating Abundant Retirement, host Carol Dewey shifts the conversation from traditional returns and market metrics to something far deeper: Return on Intention.Carol explores why many retirees feel financially successful but emotionally unfulfilled — and how reconnecting money to meaning can transform the retirement experience. Through real client stories and a three-level framework (Stability, Security, Significance), she explains how to align your wealth with your values, your purpose, and the life you truly want to live.This episode is a reminder that retirement isn’t just about having enough — it’s about kn...
2025-11-1309 minNavigating an Abundant Retirement with Carol DeweyThe Wealth Myths That Keep Retirees Stuck: Lessons from Killing Sacred CowsIn this episode, Carol Dewey takes a hard look at the financial myths that hold retirees back from living with true abundance. Inspired by Garrett Gunderson’s Killing Sacred Cows, Carol exposes the traditional money beliefs that keep investors anxious, reactive, and stuck in scarcity thinking.From the illusion that “you must take big risks to get big rewards” to the outdated idea that “retirement is the finish line,” Carol helps you reframe wealth through the lens of stewardship, clarity, and confidence.Key Takeaways:💡 Myth #1 – “You have to take big risks to get big rewards.”...
2025-11-0610 minNavigating an Abundant Retirement with Carol DeweyHow to Swim Safely When the Market Gets ChoppyIn this episode, Carol Dewey dives into how investors can stay calm and confident when financial waters turn turbulent. Using the unforgettable metaphor of shark-infested markets, Carol explains how fear and uncertainty can drive poor decisions—and how to protect your portfolio when the market starts to churn.Drawing from a real client story, Carol highlights how a well-structured plan can replace panic with peace of mind. You’ll also learn the four key traits of a disciplined investment approach and how Perpetual Wealth Financial helps clients navigate uncertainty with clarity, confidence, and control.Key Take...
2025-10-3010 minNavigating an Abundant Retirement with Carol DeweyMarkets Swing. Your Confidence Shouldn’tVolatility is back — but panic shouldn’t be part of your portfolio.In this episode of Navigating Abundant Retirement Radio, Carol Dewey breaks down why markets are swinging, what’s really happening beneath the headlines, and how disciplined investors can sleep in peace — even when Wall Street doesn’t.From geopolitical tensions and Fed policy shifts to silver’s surprising strength, Carol explains how tactical strategies and safe-money planning can help you stay confident no matter what the markets do next. You’ll also learn how her firm’s Sleep in Peace Strategy helps clients protect their we...
2025-10-2309 minNavigating an Abundant Retirement with Carol DeweyFrom Imperfect to IrresistableIn this episode, Carol Dewey challenges the myth that your business must be perfect before it’s ready to sell. The truth? Strategic buyers aren’t looking for perfection—they’re looking for potential.Carol unpacks how smart acquirers see opportunity in imperfection and how business owners can reframe their flaws as selling points. From understanding the difference between fatal flaws and fixable flaws to positioning your business story in the right way, this episode empowers business owners to view their companies through the eyes of strategic buyers.Key Takeaways:💡 Perfection is overrated. Buyers valu...
2025-10-1611 minNavigating an Abundant Retirement with Carol DeweyMonopoly Control: How to Build an Unbeatable Business MoatIn this episode of Navigating Abundant Retirement, Carol Dewey dives into one of the most powerful yet overlooked drivers of company value — Monopoly Control.When you build a moat around your business, you stop competing on price and start commanding premium valuations. It’s not about being the biggest in your industry — it’s about being the only one in your niche who solves a critical problem better than anyone else.Carol shares real-world stories, including how one founder outperformed billion-dollar competitors not by expanding, but by focusing. You’ll learn how clarity, specialization, and defensibil...
2025-10-1009 minNavigating an Abundant Retirement with Carol DeweyThe Financial Shakeup Surpassing Visa and Mastercard CombinedIn this Special Market Report, Carol Dewey unpacks one of the market’s biggest surprises — a rally during a government shutdown. While headlines scream uncertainty, history tells a very different story.Carol explains why the market is celebrating instead of panicking, what weak payroll and manufacturing data mean for Federal Reserve policy, and how seasonal patterns could make October a strong month for investors.Tune in to understand why long-term investors shouldn’t be rattled by short-term noise — and how temporary disruptions often create opportunity.What You’ll Learn in This EpisodeWhy market...
2025-10-0310 minNavigating an Abundant Retirement with Carol DeweyThe Crown Program- White-Glove Tax Planning for Business OwnersMost CPAs are historians—they tell you what happened last year. But business owners and high-net-worth families can’t afford to just look backward. In this episode, Carol Dewey introduces The Crown Program: an exclusive, invitation-only approach to advanced tax and business planning designed to help you keep more of what you’ve built, protect your legacy, and exit without regret.What You’ll Learn in This Episode:Why traditional tax planning fails business owners.The “doctor analogy” and how Diagnose → Prescribe → Fill applies to wealth strategy.Real-world case studies where The Crown Program saved clients hundreds of thou...
2025-09-2609 minNavigating an Abundant Retirement with Carol DeweyExit Without Regret: How to Sell Your Business and Keep MoreSelling your business is one of the biggest financial turning points in your life—but without planning, you could lose 30–40% of its value to taxes. In this episode, Carol Dewey breaks down how to turn tax traps into tax savings so you can exit with confidence and without regret.Carol shares real-life case studies of business owners who reduced their tax bills by millions using strategies like installment sales, charitable remainder trusts, deferred sales trusts, opportunity zone funds, and wealth replacement trusts. You’ll learn why the time to plan is before you sell—not after the ink is d...
2025-09-1908 minNavigating an Abundant Retirement with Carol DeweyStop Treating Your Business Like a Piggy Bank: How Short-Term Tax Tricks Can Sabotage Your Long-Term LegacyMany business owners fall into the trap of treating their company like a personal piggy bank. Running lifestyle expenses through the business might feel like a smart tax move today — but when it’s time to sell, those shortcuts can slash millions off your valuation.In this episode, Carol Dewey pulls back the curtain on how “tax tricks” and commingled expenses quietly erode enterprise value, destroy EBITDA multiples, and compromise your long-term legacy. Through real-world case studies — from a dry cleaner to a physician group to a franchisee — you’ll see the hidden cost of short-term thinking and how to rep...
2025-09-1108 minNavigating an Abundant Retirement with Carol DeweyPURE Profits, PURE Value: How to Build a Business Buyers Can’t ResistYour business is being valued every single day — whether you realize it or not. The choices you make now determine whether buyers see a thriving, transferable company… or a risky operation that depends too much on you.In this episode, Carol Dewey introduces the PURE Framework — Plus, Unnecessary, Replaceable, Equal — a practical roadmap for boosting profits today while securing a higher valuation tomorrow. You’ll learn how to strip away inefficiencies, build systems that don’t rely on you, and create balance across contracts and relationships. And, you’ll see how PURE connects directly to EBITDA multiples, exit planning...
2025-09-0409 minNavigating an Abundant Retirement with Carol DeweyBeyond Recording History: The Strategic Side of Tax Planning Most CPAs MissIn this episode of Navigating Abundant Retirement, Carol Dewey explores one of the most overlooked yet critical aspects of wealth management—the difference between simply recording history with your CPA and designing your financial future with proactive tax planning.Carol explains why the next 18 months may be one of the most important tax planning windows in decades, the opportunities created by the recently extended “One Big Beautiful Bill,” and real-world case studies where clients saved millions by planning ahead.This episode is packed with strategies most CPAs never bring up—perfect for business owners, high-income professi...
2025-08-2811 minNavigating an Abundant Retirement with Carol DeweyIs Your CPA costing you millions?In this episode of Navigating Abundant Retirement, Carol Dewey exposes a silent yet costly reality for high-income professionals and business owners: most CPAs are reactive, not proactive. Carol dives into the traditional compliance-based CPA model and how it may be costing you six or even seven figures over time. Through real-life client stories and strategic insight, she reveals how shifting to proactive tax planning can multiply your wealth and protect your legacy.🔑 What You'll Learn:Why most CPAs don’t provide forward-looking tax strategiesThe cost of recording history vs. creating financial strategyReal-world examples of clients recovering milli...
2025-08-2110 minNavigating an Abundant Retirement with Carol DeweyTariffs Rising, Fed Stalling: What Business Owners & Retirees Must Know NowIn this episode of Navigating Abundant Retirement, Carol Dewey cuts through economic confusion to help business owners and retirees understand what’s really happening with the Federal Reserve’s interest rate pause and the latest wave of tariffs. From inflation shifts to global rate games and the emergence of the “MAGA Fund,” this episode breaks down what these developments mean for your investments, your business, and your financial future—plus what to do right now to protect and grow your wealth.🔑 What You'll Learn:Why the Fed is holding rates steady—and why that matters to youHow tariffs...
2025-08-1410 minNavigating an Abundant Retirement with Carol DeweyPlayer vs. Coach: The Mindset Shift That Drives Real Business ValueIn this episode of Navigating Abundant Retirement, Carol Dewey unpacks one of the most critical mindset shifts that can radically increase the value of your business: going from Player to Coach.Whether you're a founder, executive, or business owner stuck in the weeds, this episode will help you move beyond doing everything yourself—and start leading strategically.Discover how to transition from being the MVP to the head coach who builds a scalable, sellable business—one that can thrive even in your absence.🔑 What You’ll Learn:Why working “in” your business can limit its...
2025-08-0707 minNavigating an Abundant Retirement with Carol DeweyThe Listening Advantage: How Feedback Fuels Business Growth and Exit ValueIn this episode of Navigating Abundant Retirement, Carol Dewey reveals the powerful yet often overlooked business multiplier: customer feedback. Discover how a simple $50 idea grew into a seven-figure exit—all because one founder chose to listen. Carol shares real client case studies and a simple feedback framework that can immediately improve revenue, retention, and valuation.🔑 What You'll Learn:How customer feedback can unlock new revenue streams and reduce churnWhy listening systems are essential for premium business exitsThree real-world examples of business transformation through feedbackA step-by-step framework: Listen, Analyze, Act, RepeatHow to build a feedback culture that boost...
2025-07-3109 minNavigating an Abundant Retirement with Carol DeweyWorking on Your Business, Not in ItIf your business can’t run without you… you don’t own a business. You own a job.In this powerful episode, Carol Dewey dives deep into one of the most transformational shifts a business owner can make: learning to work on the business, not in it.You’ll hear real client success stories, practical strategies, and the one mindset shift that can increase your business's value and free you from the daily grind. Whether you're years away from exiting or just looking to work smarter, this episode will help you reimagine what freedom and legacy l...
2025-07-2408 minNavigating an Abundant Retirement with Carol DeweyFour Ways the Tax Bill Is Really a Stimulus BillIs the latest tax bill from Washington actually a massive economic stimulus?In this week’s episode of Navigating Abundant Retirement, Carol Dewey unpacks the hidden opportunities inside Trump’s new One Big Beautiful Bill—and what it means for your money, your business, and your future.🔹 Why mid-cap stocks could be this year’s quiet outperformer🔹 How the bill impacts business owners, retirees, and investors🔹 What July 22nd means for the future of AI infrastructure (and how to position for it)🔹 Why waiting could be the most expensive mistake you make in...
2025-07-1714 minNavigating an Abundant Retirement with Carol DeweyThe Real Cost of Waiting: Why Delay Could Be the Most Expensive Mistake in Your Financial PlanToday, Carol Dewey reveals how procrastination — whether with taxes, investments, estate planning, or your business exit — can quietly become the most expensive mistake of your financial life. In this powerful episode, Carol uncovers how the illusion of “later” erodes wealth, confidence, and peace of mind, and what you can do now to stop paying the hidden price of waiting.🔍 In This Episode, You’ll Discover:✔️ A real-life story of a loyal Kmart executive who lost millions by waiting too long to diversify✔️ How missed compounding and opportunity costs silently kill your long-term wealth✔️ Why waiting t...
2025-07-1011 minNavigating an Abundant Retirement with Carol Dewey🎙️ A $20 Million Scam and the Opportunity That FollowsWelcome to Navigating Abundant Retirement!Today, Carol Dewey reveals how a terrifying voice scam targeting her own father exposes a rising threat — and a wealth-building opportunity hiding in plain sight. In this powerful episode, Carol breaks down how AI-driven cybercrime is evolving fast and why cybersecurity is becoming one of the most inevitable investment opportunities of our time.🔍 In This Episode, You’ll Discover:✔️ A real-life story of an AI-powered scam that hit close to home✔️ How “deepfakes” and voice cloning are being used to defraud people — and what makes them so dangerous✔️...
2025-07-0314 minNavigating an Abundant Retirement with Carol DeweyThe Fed, the Feud, and the Future of TeslaWelcome to Navigating Abundant Retirement! In today’s episode, Carol Dewey breaks down the latest decision from the Federal Reserve—and the fiery reaction it sparked from former President Trump. 🔍 What You’ll Learn in This Episode:✔️ Why Trump is attacking Fed Chair Jerome Powell—and why Powell isn’t budging on interest rates.✔️ The real reason behind the political pressure for rate cuts: the federal government’s record-high interest expenses.✔️ How the Fed’s high-rate environment has benefited savers, corporate borrowers, and the broader economy—despite common fears.✔️ Why investors should be cautious wh...
2025-06-2610 minNavigating an Abundant Retirement with Carol DeweyA Secret Sauce Called “Efficiency”Welcome to Navigating Abundant Retirement! Today, Carol Dewey reveals a powerful truth: "No company is immortal." She introduces the TRICK framework (Taxes, Risk, Investment Mix, Costs, Knowledge Gaps) to identify wealth-draining inefficiencies in your financial plan. Through the cautionary tale of a former client, Jack, who lost a comfortable retirement due to emotional attachment to his K-Mart stock, Carol underscores that "forever stocks" don't exist, especially with AI reshaping the economy.Here are the shortened show notes for "A Secret Sauce Called 'Efficiency'," with the requested section retained:A Secret Sauce Called “Efficiency”Welc...
2025-06-1914 minNavigating an Abundant Retirement with Carol DeweyThe Trump vs. Musk Feud: Stocks That Could Soar as Tesla and SpaceX Take a HitIn this episode of Navigating Abundant Retirement, host Carol Dewey dives deep into one of the most unexpected and potentially market-shifting stories of the year — the public fallout between President Donald Trump and tech titan Elon Musk. This isn’t just social media drama. It’s a political clash with massive implications for investors, especially those relying on stable and strategic retirement planning.Carol unpacks how this feud could disrupt Tesla’s robotaxi ambitions, SpaceX’s government contracts, and the entire electric vehicle (EV) and commercial space landscape — and more importantly, which companies could rise as a result.
2025-06-1213 minNavigating an Abundant Retirement with Carol Dewey3 Certainties for a New American Prosperity... and One Stock Set to ProfitHere are the show notes for "3 Certainties for a New American Prosperity... and One Stock Set to Profit," formatted as requested:3 Certainties for a New American Prosperity... and One Stock Set to ProfitIn this week’s live market update, Carol Dewey, Founder of Perpetual Wealth Financial, cuts through the pervasive "uncertainty" narrative dominating financial headlines. She pulls together key economic forces—from tariffs and interest rates to AI and trillions in untapped cash—to reveal three undeniable certainties shaping the American economy.Carol outlines President Trump’s three big economic pillars: Tax Liberati...
2025-06-0515 minNavigating an Abundant Retirement with Carol DeweyThree Ways to Invest in AI’s Next Phase, From Core to StealthWelcome to Navigating Abundant Retirement! Today, Carol Dewey dives into the hottest topic in investing: Artificial Intelligence (AI) and the imminent arrival of Artificial General Intelligence (AGI)—AI capable of human-level intelligence. As Charles Darwin's "adapt or perish" principle applies to businesses in this new era, understanding how to invest in AI is critical for portfolio survival and growth.🔍 What You’ll Learn in This Episode:✔️ The concept of Artificial General Intelligence (AGI) and its transformative impact on all industries.✔️ Three strategic investment approaches for the AI revolution: investing in core AGI infrastructure, alongside AGI...
2025-05-2910 minNavigating an Abundant Retirement with Carol DeweySoft CPI Data Crushes Inflation Fears – And Sets Stocks Up for a Summer SurgeAfter a volatile spring, the market has staged a sharp rally, and last week's Consumer Price Index (CPI) report signals an even brighter outlook. Carol Dewey breaks down why April's soft CPI data (0.2% month-over-month for both headline and core) wasn't just good news, but a "death knell" for fears of tariff-driven reinflation. Despite initial panic, data shows no tariff-fueled inflation, thanks to rollbacks, exemptions, and new trade deals (like the U.S.-U.K. agreement and U.S.-China truce) slashing average effective U.S. tariff rates from 30% to a far more manageable 13%.With inflation easing, tariffs...
2025-05-2211 minNavigating an Abundant Retirement with Carol DeweyBig Market News and Timeless LessonsJoin Carol Dewey as she blends investing legends, economic trends, and practical retirement strategies. This episode covers Warren Buffett's announcement to step down as Berkshire Hathaway CEO, recent positive trade developments, and the crucial role fixed indexed annuities play in managing retirement risk amidst market volatility. Learn how Buffett's timeless wisdom applies to today's economy and why principal protection and reliable income are paramount for retirees.🔍 What You’ll Learn in This Episode:✔️ The significance of Warren Buffett's impending retirement and his enduring investing principles, like "Be greedy when others are fearful."✔️ How historical tr...
2025-05-1508 minNavigating an Abundant Retirement with Carol DeweyMade in the USA – But Not by HumansIn this episode of Navigating Abundant Retirement Radio, host Carol Dewey explores a critical challenge facing President Trump's plan to reshore American manufacturing: the severe labor shortage. Dewey delves into how physical AI and automation hold the key to overcoming this obstacle, predicting a major financial event on May 7 that could unleash $7 trillion in sideline cash into the stock market. This episode discusses how the convergence of political momentum, economic necessity, and advances in AI technology could drive a transformative shift in American industry, akin to the dot-com boom of the late 1990s.00:28 The Challenge of Reshoring...
2025-05-0812 minNavigating an Abundant Retirement with Carol DeweyThe Mother of All Buy-the-Dip Signals Just FlashedSometimes the market whispers. Other times, it shouts. Yesterday, the market didn't whisper — it roared! Host Carol Dewey unpacks the significance of a Zweig Breadth Thrust—one of the rarest and most reliable technical indicators in market history—which just triggered. This isn’t just any buy-the-dip signal; it's the mother of all buy-the-dip signals, boasting a 100% success rate for higher markets six and twelve months later since World War II, with an average 12-month return of +25%.But it's not just the Zweig Breadth Thrust flashing green. Carol reveals a perfect storm of bullish technical signals forming right no...
2025-05-0110 minNavigating an Abundant Retirement with Carol DeweyPowell vs. Reality- Why the Federal Reserve Will Step In to Save MarketsThe market mood has been dark lately, with stocks cratering, bonds crumbling, and consumer confidence collapsing. Despite one of the fastest 20% market drops in modern history, Federal Reserve Board Chair Jerome Powell signaled "no rush to cut rates."In this episode of Navigating Abundant Retirement, Carol Dewey argues that while Powell's words suggest patience, the underlying economic reality indicates the Fed is on the brink of a rescue mission for the U.S. economy. Carol dissects Powell's "stagflation dilemma" and reveals how increasingly tight financial conditions, plummeting consumer sentiment, slowing retail sales, stalled business investment, and a...
2025-04-2411 minNavigating an Abundant Retirement with Carol DeweyThe Silver Lining Behind the Tariff Chaos- What Most Investors Are MissingYou're listening to Navigating Abundant Retirement — the show that helps you steer through today’s uncertainty toward a more confident financial future. I’m Carol Dewey, and today, we’re unpacking the hidden silver lining behind the latest tariff chaos."Liberation Day" brought aggressive new tariffs from U.S. President Trump, sending shockwaves through the global trading system and causing a significant market sell-off. While investors panic and major indices nosedive, Carol reveals a powerful, underlying development: the strategic collapse of the 10-year U.S. Treasury yield. This isn't accidental; it's a policy-by-design move from the Trump Administ...
2025-04-1711 minNavigating an Abundant Retirement with Carol DeweyAnother Great Depression or Just a Massive OverreactionWelcome back to this week’s live market update on Navigating Abundant Retirement. I’m Carol Dewey, Founder of Perpetual Wealth Financial. We're living through one of the most violent stock market climates in modern history, characterized by rapid drops, historic rallies, and extreme volatility not seen since the 2008 financial crisis or the 2020 COVID crash.The market's price action might be screaming "catastrophe," but Carol dives into a crucial question: are we truly heading for another Great Depression or a crisis akin to World War II or the 2008 financial meltdown? By comparing historical parallels to today's economic real...
2025-04-1010 minNavigating an Abundant Retirement with Carol DeweyProtecting Your Legacy Amid Economic Uncertainty📢 In this episode, we tackle one of the biggest concerns for retirees and soon-to-be retirees: How do you safeguard your wealth and legacy in a volatile economy? With inflation, market fluctuations, and potential tax law changes, estate planning is more important than ever.🔑 Key Takeaways:✅ Why Estate Planning Matters More Than EverInflation is eroding purchasing power—how can you ensure your wealth lasts?Avoid costly probate delays with smart estate planning strategies.✅ Will vs. Trust: What’s Right for You?Wills must go through probate; trusts offer a smoother transition for your heirs...
2025-02-2710 minNavigating an Abundant Retirement with Carol DeweyInsulated from a Stock Market Retirement LifestyleIn this episode of Navigating Abundant Retirement Radio, host Carol Dewey explores the crucial topic of insulating your retirement from the unpredictable stock market. Through a compelling comparison of two retirees' lifestyles, Carol illustrates how a meticulously planned retirement lifestyle and legacy can provide peace of mind, financial security, and a lasting impact. She emphasizes the importance of predictable, tax-free income and offers strategies to create a retirement plan that remains unaffected by market fluctuations.Key Takeaways:Retirement shouldn’t be tied to the ups and downs of the stock market.A well-designed retirement plan includes pr...
2024-09-2612 minNavigating an Abundant Retirement with Carol DeweyFlexible Protection for a Healthy RetirementEpisode Summary:In this episode of Navigating an Abundant Retirement Radio, Carol dives into the importance of long-term care planning and flexible protection for a healthy retirement. She outlines common challenges retirees face and discusses strategies to ensure financial security without becoming a burden on family members.Key Takeaways:- Long-term care is a critical aspect of retirement planning, and Medicare generally does not cover these expenses.- Flexible protection for a healthy retirement focuses on three key elements: protecting your family, your choices, and your financial assets....
2024-09-1218 minNavigating an Abundant Retirement with Carol DeweyYour Retirement Success Depends On Not Confusing These TWO CRITICAL ConceptsEpisode Summary:In this episode of Navigating an Abundant Retirement Radio, Carol Dewey discusses the critical differences between controllability and responsibility in retirement. She explores how the modern retiree must navigate the shift from government and employer-sponsored retirement models to a more personalized responsibility for retirement security. Carol introduces the concept of being "Wealth Safe" (SAFE) and "Mindset Sane" (SANE) while sharing tips on controlling the elements you can to achieve peace, freedom, and confidence in your retirement.Key Takeaways:The historical evolution of retirement responsibility—from government and employer dependency to individual control.Th...
2024-08-2216 minNavigating an Abundant Retirement with Carol DeweyTaxes May Soon Rise - Here's What to DoEpisode Summary:In this episode of Navigating Abundant Retirement Radio, Carol Dewey from Perpetual Wealth Financial dives into the implications of the Tax Cuts and Jobs Act of 2017 and its potential expiration at the end of 2025. Carol discusses the major tax changes introduced by the Act, including adjustments to tax brackets, the standard deduction, and estate tax exemptions. She also explores strategies for managing retirement withdrawals, including tax considerations and charitable donations from IRAs. Listeners are encouraged to consult with financial professionals to tailor strategies to their individual needs.Key Takeaways:The Tax Cuts...
2024-08-0818 minNavigating an Abundant Retirement with Carol DeweyWorld's Richest Man (And Superstar Investor) Changed His MindEpisode Summary:In this episode of Navigating Abundant Retirement Radio, host Carol Dewey delves into the importance of having a comprehensive, integrated wealth plan that evolves with changing circumstances and tax laws. She highlights the necessity of regular updates and strategic planning to maintain and grow wealth, sharing insights from Warren Buffet's wealth management philosophy. Carol also recounts the story of Hedy Lamar, an actress and inventor, to illustrate the critical difference between making money and securing a lifetime income.Key Takeaways:Wealth Planning: A one-size-fits-all approach to wealth planning is ineffective. Regular updates...
2024-07-2511 minNavigating an Abundant Retirement with Carol DeweyHarnessing the Power of Social SecurityEpisode Summary:In this episode of Navigating an Abundant Retirement Radio, Carol Dewey delves into the intricacies of maximizing your Social Security benefits. She covers essential strategies and key elements to help you harness the power of Social Security, ensuring a more financially secure retirement. Carol also explores spousal, ex-spousal, and survivor benefits, as well as the impact of working during retirement and potential future changes to the Social Security program.Key Takeaways:Maximizing Social Security Benefits: Strategies to maximize your Social Security benefits by understanding the system, working longer, and delaying filing.Spousal...
2024-07-1120 minNavigating an Abundant Retirement with Carol DeweyAchilles' Choice...And #1 Key to Successful RetirementEpisode Summary:In this episode of Navigating an Abundant Retirement Radio, Carol Dewey discusses the concept of "Achilles choice" and reveals the number one key to a successful retirement. She emphasizes the importance of having a clear vision of the life you want to live in retirement and the legacy you want to leave. Carol shares insights on regret minimization, the significance of having a well-defined retirement plan, and the pitfalls of relying on generic financial advice.Key Takeaways:Achilles Choice: The importance of making conscious life choices that align with your desired legacy...
2024-06-2714 minNavigating an Abundant Retirement with Carol DeweyGet Ready For Rainy DaysEpisode Summary:In this episode of Navigating an Abundant Retirement Radio, host Carol Dewey from Perpetual Wealth Financial discusses the importance of rainy day protection and how to prepare for unexpected financial challenges, particularly in retirement. She delves into strategies like long-term care insurance, emergency funds, and common financial mistakes to avoid.Key Takeaways:Rainy Day Protection: Preparing for financial challenges as you age, especially concerning healthcare and long-term care costs.Emergency Funds: Establishing an emergency fund for unexpected expenses like healthcare, home repairs, or helping family members.Long-term Care Insurance: Utilizing life insurance...
2024-06-1317 minNavigating an Abundant Retirement with Carol DeweyThe Final 3 Wealth Myths and Sage Advice from SocratesEpisode Summary:In this episode of Navigating an Abundant Retirement Radio, Carol Dewey continues the discussion on the 12 little-known wealth myths, focusing on the final three myths and offering valuable insights and advice. Carol shares the inspiring story of Jim Rohn and his journey from losing his fortune to rebuilding it, emphasizing the importance of strategic planning and seeking smart advice for a well-designed retirement.Key Takeaways:Jim Rohn's journey highlights the importance of recovering from financial setbacks with professional advice and strategic planning.A well-designed retirement involves becoming the person you want to...
2024-05-2319 minNavigating an Abundant Retirement with Carol DeweyThese 3 Wealth Myths That You May Have Missed May Be The Costliest…In this episode of Navigating an Abundant Retirement, host Carol Dewey continues the discussion on the 12 little-known wealth myths. In part two, Carol explores myths seven through nine, shedding light on how these misconceptions can negatively impact retirement planning. She emphasizes the importance of understanding these myths to avoid costly mistakes and outlines a path to a 120% retirement lifestyle.Key Takeaways:Wealth Myth #7: The 80% reduced retirement lifestyle myth can lead to a life of lower standards if followed. Retirement should be about abundance, not reducing your lifestyle.Wealth Myth #8: The 401(k) binge myth encourages excessive or...
2024-05-0920 minNavigating an Abundant Retirement with Carol Dewey12 Little-Known Wealth MythsIn this episode of Navigating an Abundant Retirement Radio, Carol Dewey discusses the first six myths out of twelve that can affect your retirement planning. She explores common misconceptions about wealth and retirement, illustrating how these myths can impact your financial security and freedom. Carol shares personal stories and real-world examples to emphasize the importance of comprehensive planning for a successful retirement.Key Takeaways:Myth #1: "What Got You Here, Won't Get You There." Carol discusses the three wealth phases and emphasizes the need to adjust wealth plans as you move into retirement.Myth #2: "The Tax Code...
2024-04-2520 minNavigating an Abundant Retirement with Carol DeweyWhat the 2024 Elections Means for Your FinancesIn this episode of Navigating an Abundant Retirement Radio, host Carol Dewey delves into the potential impact of the 2024 presidential election on finances. Drawing on data and historical trends, Carol addresses common concerns and misconceptions about how election outcomes may affect investment portfolios and retirement plans. While acknowledging widespread anxiety among investors, Carol emphasizes the importance of staying informed, maintaining a long-term perspective, and working closely with financial professionals to navigate economic uncertainties.Key Takeaways:Historical data suggests that presidential election outcomes have minimal impact on market performance.Maintaining focus on long-term financial goals and strategies...
2024-04-1119 minNavigating an Abundant Retirement with Carol DeweyU.S. Millionaires Top Financial ConcernsEpisode Summary:On this episode of Navigating an Abundant Retirement Radio, host Carol Dewey delves into the intricate financial concerns faced by many, including millionaires. In the Retire Abundantly series debut, she explores the evolving landscape of financial security amidst economic, financial, and political shifts, offering insights and strategies for ensuring a prosperous retirement.Key Takeaways:Achieving a million-dollar milestone doesn't guarantee the anticipated sense of financial security.Financial concerns extend beyond personal wealth to encompass broader economic uncertainties.Taxes, particularly IRS levies, pose significant threats to financial independence and retirement plans.Preparation and...
2024-03-2112 min
Truth is…Episode 119: May God Keep You Happy: "God Rest Ye Merry, Gentlemen" ProsifiedSeason 5 Episode 15 of the "Truth Is..." podcast.
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2023-12-1202 minNavigating an Abundant Retirement with Carol DeweyIs a Roth Conversion Right for You?In this episode of "Navigating an Abundant Retirement," host Carol Dewey dives into the crucial topic of Roth conversions. Join us as we explore whether a Roth conversion is the right financial move for your retirement strategy.Don't miss this episode of "Navigating an Abundant Retirement" if you're looking to make informed decisions about Roth conversions and maximize the potential of your retirement savings. Tune in for expert advice and practical tips on securing a financially abundant retirement.
2023-10-1221 minNavigating an Abundant Retirement with Carol DeweyToday's Economy, Tomorrow's RetirementIn this episode of Navigating Abundant Retirement radio. Carol Dewey talks about how TODAY’S ECONOMY MIGHT IMPACT YOUR RETIREMENT. If you’re retired (or close to it), you might feel overwhelmed hearing about all the things that could affect the retirement you’ve worked so hard for. So in this show, Carol will discuss how you can take charge of your retirement! We’ll cover how an appropriate retirement income strategy can help you:"
2023-09-2910 minNavigating an Abundant Retirement with Carol DeweyHow Taxes Can Kill Your Retirement DreamsIn this episode of "Navigating Abundant Retirement," your host, Carol Dewey, delves into the critical topic of how taxes can impact your retirement dreams. She challenges common misconceptions and invites you to ponder the following pivotal question:"How Taxes Can Impact Your Retirement Dreams: The Power of When"Carol explores the timing and strategies related to taxation during retirement, shedding light on the ways it can either enhance or hinder your retirement goals.Conclusion:Understanding the timing of tax-related decisions and implementing strategic tax planning can be a game-changer for your...
2023-09-1522 minNavigating an Abundant Retirement with Carol DeweyNavigating Abundant Retirement with Carol DeweyIn this episode, Carol Dewey discusses the importance of estate planning for a secure retirement. She shares her own experience after her mother's passing, highlighting the value of having affairs in order. Carol emphasizes the significance of addressing estate planning to alleviate stress during emotional times.Carol also features Barry Haimo of Haimo Law, an expert in estate and business planning. They touch on a crucial aspect of estate planning: the probate process. Barry explains that while probate is necessary, it comes with time, cost, and privacy implications. He compares it to an airport experience—time-consuming, invasive, an...
2023-08-2534 minNavigating an Abundant Retirement with Carol DeweyDiscover How Business Owners Invest for Guaranteed Growth and Generational WealthWelcome back to Navigating an Abundant Retirement Radio. This week, Carol discusses how business owners invest for guaranteed growth and generational wealth. This podcast episode is for business owners who insist that their money and investments empower them — not rob them or hold them back.Main Points:Investing in Yourself and Your Business:Business owners should focus on investments that empower them and their business instead of diverting money to other businesses.The host highlights the importance of investing in special accounts that offer guaranteed growth of 4-5% per year, regardless of market fluctuations.
2023-08-0214 minNavigating an Abundant Retirement with Carol DeweyImportance of Comprehensive Financial Planning for Our Golden YearsIn this episode, Carol Dewey interviews Soli Rodriguez, an Estate Planning Attorney with expertise in Estate Planning, Probate, Business, and Real Estate Law. Soli is a bilingual attorney, fluent in both Spanish and English, and holds licenses in Puerto Rico and Florida, including admission to the Southern District Court of Florida.In this insightful conversation, Soli shares their extensive experience partnering with key attorneys to provide critical guidance and support in various legal matters. With a proven track record of success, Soli's ability to analyze complex situations, data, and documentations ensures that legal assignments are executed promptly...
2023-07-1629 minNavigating an Abundant Retirement with Carol DeweyArtificial Intelligence and Investment Insights Moving ForwardIn this episode, Carol explores the impact of artificial intelligence (AI) on investment insights. Here are the key takeaways:AI Defined: AI refers to computer systems that mimic human intelligence by analyzing large datasets to solve problems.Narrow AI vs. General AI: Narrow AI focuses on specific tasks and provides singular answers based on past data. General AI aims to replicate human thought processes and surpass human intelligence, but it is still a theoretical concept.AI Training Approaches: AI is trained using supervised, semi-supervised, and unsupervised learning. Supervised learning uses labeled datasets, semi-supervised learning allows some inference-making, and...
2023-06-2120 minNavigating an Abundant Retirement with Carol DeweyThe Debt Ceiling Investment InsightsIn this episode of Navigating an Abundant Retirement Radio, host Carol Dewey discusses the debt ceiling, upcoming deadlines, and investment insights. Understanding the debt ceiling is important, and Carol aims to provide a better understanding of it and share thoughts on how to navigate the situation.The Debt Ceiling: What is it?The debt ceiling is the limit on the amount of money the US government can borrow to fund its expenses. The US reached its debt limit of $31.4 trillion on January 19, and now Congress needs to approve a higher limit. If a resolution is...
2023-06-0219 minNavigating an Abundant Retirement with Carol DeweyRegrets, I've Had a Few: 7 Common Financial Regrets (and How to Avoid Them)Key Takeaways:A recent study reveals seven financial decisions older investors regret not making to better prepare for the future.Being aware of these regrets can help us avoid similar decisions today that may impact our financial security later in life.Many of these regrets center around retirement and the need for more savings due to longer life expectancies.In this episode, Carol shares the findings of a study on financial regret among older adults and provides steps to avoid such regrets in our own financial decisions.Regret 1: Not Saving Enough (57% regretted)Start...
2023-05-1216 minNavigating an Abundant Retirement with Carol DeweyCommon 401k Rollover Mistakes and How to Avoid ThemWelcome back to Navigating an Abundant Retirement Radio! This week, we'll be talking about the common mistakes that people make when rolling over their 401(k) and how to avoid them.You probably have at least one traditional retirement account, such as a 401(k), 403(b), or IRA. The tax treatment of traditional retirement accounts is the key difference between these accounts and regular ones. With a traditional retirement account, you get a tax deduction on the front end, allowing you to contribute the full amount without paying income taxes. The account also provides a tax deferral, which means...
2023-04-2813 minNavigating an Abundant Retirement with Carol DeweyCentralized Banking Control - The Potential Consequence of a Federal Digital CurrencyIn this episode, Carol delves into the risks and benefits of a federal digital currency, particularly the issue of centralized government control of banks.Carol starts by defining the problem at hand and outlining the effects that a federal digital currency could bring, including government surveillance of purchases, real-time tracking of payments, digital ledgers on phones, and centralized government control of banking. She highlights the potential impact on privacy, cyberattacks, and individual liberties.One of the major concerns she identifies is the centralized government control of banks, which could stifle innovation and competition, leading to...
2023-04-1410 minNavigating an Abundant Retirement with Carol DeweyIs Your Money Safe - The Silicon Valley Fallout In this podcast episode, the Carol discusses the recent failure of Silicon Valley Bank and whether people's money is safe in banks and insurance companies. Carol mentions that if you have less than $250,000 in your bank account, you have nothing to worry about because the US government insures the first $250,000 in eligible accounts. However, many Silicon Valley Bank customers had more than $250,000 deposited and can't access their money. She then compares the number of bank failures to insurance company failures and explains that insurance companies are generally more secure due to state laws and guarantee associations that...
2023-03-3110 minNavigating an Abundant Retirement with Carol DeweyWhat Does Legacy Mean To YouOn this episode of Navigating an Abundant Retirement Radio, host Carol Dewey shares her passion for legacy planning and how it goes beyond just leaving assets behind. She tells the story of her family's legacy, including the success and eventual downfall of her great, great, great grandfather's print and book binding business. Carol emphasizes the importance of communication and planning in order to avoid mistakes that can cause financial stress and family turmoil. She also highlights the significance of leaving behind family values, virtues, and traditions. To assist her clients in reaching their estate and legacy planning goals, Carol...
2023-03-2027 minNavigating an Abundant Retirement with Carol DeweyThe 60-40 Portfolio Is DeadWelcome back to Navigating an Abundant Retirement Radio. This week we are going to talk about economic conditions, why I believe the 60/40 portfolio is dead, and what you can do to be in a better position to take advantage of times like what we are experiencing today.Mentioned in this EpisodePerspective on US Government Debt73% Inflation in TurkeyThe Federal ReserveMedical CareThe Hidden AgendaPaul Volcker100 years of the 60/40 PortfolioTom HegnaThe Financial Times“There Is No Alternative” TINA REIT Investments
2022-11-0418 min