Helen Ornellas - Podcast Details

Shows

On Life With HelenIs "Uncovering" the TRUTH More Important than Building TRUST?If you're struggling to close deals or feel your sales pitches are hitting nothing but air, this episode is a must-listen!Today, I'm talking with the Sales Performance Expert Patrick Ryan. Patrick is the CEO and President of Eureka Performance Training, an author, keynote speaker, and expert in sales conversations. With over 40 years of sales experience, he discovered early in his career (selling cable television door to door on 100% commission) that effective communication was the key to success.Listen to episode 66 of On Life With Helen to learn Patrick's method to produce lasting...2025-05-0628 min

On Life With HelenSuccession Planning. Guaranteeing the Success of a Business That'll Outlive You, with Craig GussinDo you have everything in place in your business if — God forbid — you don't make it home tonight?In today's episode, we are joined by one of Helen's mentors and a true giant in the insurance space, Craig Gussin. Craig is a seasoned health insurance agent based in San Diego and the co-founder of Retire with Renewals, a company created to help retiring agents plan their business transition and ensure their clients continue receiving care. He also helps media and consumers understand insurance through Auerbach & Gussin, where he serves as President and CEO.List...2025-04-1528 min

On Life With HelenWhy Sell Your Life Insurance PolicyMost people don't expect to ever use, enjoy, or even see the money from their life insurance policy. As today's guest brilliantly pointed out, life insurances feel more like death insurance because their benefits are available only after the policyholder passes.Today, you'll learn there's a way for policyholders to access their money while they're still alive.In this episode, Rob Haynie explains how to sell your life insurance policies for cash through Life Insurance Settlements. With over 30 years in the life settlement industry, Rob is the Managing Director at Life Insurance Settlements...2025-04-0129 min

On Life With HelenImplementation of Housing Wealth, with Mitchell CooperWhat if we start looking at a reverse mortgage as THE financial tool to get your "longevity insurance" without even thinking of depleting your assets?In part two of our insightful conversation with Mitchell Cooper, we dive deeper into the financial mechanics and unknown benefits of using reverse mortgages as a retirement plan. Mitchell also contextualizes reverse mortgages' evolution and origins, which explain some of the most common misconceptions about them most retirees have, and highlights how reverse mortgages can provide financial flexibility without immediate repayment obligations.Listen to episode 64 of On Life...2025-03-1124 min

On Life With HelenWhy Are Retires Ignoring the Best Asset They Have - Their HomeMost people think of reverse mortgages as a last-resource option, but what if your biggest asset could provide financial freedom without selling or downsizing?In this episode, the first of a two-part series interview with Mitchell Cooper, we discuss reverse mortgages' potential to transform your retirement planning and unlock financial security. Mitchell is one of the 200 Certified Reverse Mortgage Professionals in the country, with almost a decade of experience helping retirees and educating homeowners on the hidden potential of their home equity.Listen to episode 63 of On Life With Helen and learn everything...2025-02-2522 min

On Life With HelenMarketing That Moves the Needle: How the Right Agency Can Transform Your BusinessFor some business owners, thinking about their company's marketing feels a lot like stepping into a cluttered storage unit — they have no idea where to start, what to move first, or what will actually work.In today's episode, Ann Bouchard unravels the secrets and benefits of crafting simple, honest, and solid marketing strategies. Ann is the Founder and President of Bouchard Communications Group, a full-service marketing agency with over three decades of experience crafting customized and integrated marketing solutions.Listen to episode 62 of On Life With Helen and learn more about the evolving wo...2025-02-1133 min

On Life With HelenThings You Need to Know About Business Alternative Risk Insurance, with Roland GuillenDo insurance costs leave you stressed and uncertain about your business's future? Do you have a strategy to manage employee benefits while ensuring a healthier workforce? Did you know there is a way to turn insurance expenses into a financial asset?If any of these questions keep you up at night, you can't miss today's episode! We have the opportunity to chat with Roland Guillen, a seasoned insurance professional with over 15 years in the industry, who is currently the Director of Captive Growth Strategy at Bender Insurance Solutions.Listen to episode 61 of On...2025-01-2832 min

On Life With HelenCurrent Funding Environment and What's Needed Now with Dan MarrujoCan the CHIPS Act tackle the nationwide workforce shortage? Is $53 billion enough to jumpstart a "U.S. semiconductor renaissance"? Can America reshape the global semiconductor landscape? Can we end our reliance on overseas chip production?These are some of the questions Dan Marrujo answers in this special take-two on the CHIPS Act Initiative. Whether you are a tech enthusiast, a job seeker, or a business owner, today's episode is your ticket to a deeper understanding of the massive shifts happening in the semiconductor industry.Dan Marrujo is the President and Manager Director of...2025-01-1423 min

On Life With HelenThinking About Selling Your Business! Here's What You Need to Know 3-5 Years Ahead of Time with Randy HendershotDo you know how to increase your business valuation and appeal to potential buyers?In this episode, we explore succession planning for business owners guided by the expert business broker, Randy Hendershot. Randy is the Founder and CEO of Evolution Advisors, a company specializing in helping entrepreneurs sell or buy businesses, get an accurate valuation of their company, and create a smooth exit strategy.Listen to episode 59 of On Life With Helen and get valuable insights on preparing your business for sale, identifying risks, and understanding valuation methods. You'll get Randy's actionable advice...2024-12-3131 min

On Life With HelenCapture Leads While Swapping Wasteful Swag, with Marcie SheltonDo you remember what you did with the flyers you went home with after the last conference or entrepreneurial event you attended? Maybe this statistic will refresh your memory: 66% of promotional items are thrown away.In this episode, Marcie Shelton joins us to talk about an eco-friendly, impactful, and efficient marketing solution, Give2Lead. Marcie is a Leadership and Strategic HR Consultant, with a knack for sustainability and community, and the Founder of Give2Lead.Listen to episode 58 of On Life With Helen and learn more about Marcie's innovative platform that transformed traditional...2024-12-1725 min

On Life With HelenDefense Microelectronics: Powering Technology for a Safer World, with Dan MarrujoDo you know anything about microelectronics? Tune in and discover why something so small produced so far from America can affect national security, military defenses, and daily life.In this episode, Dan Marrujo joins us to unravel the pivotal role of microelectronics and AI in defense and daily technology. Dan is the Founder of Trusted Strategic Solutions and former Chief Strategist at the Defense Microelectronics Activity (DMEA). He has over a decade of experience in national security technology, specializing in microelectronics strategy, supply chain resilience, and innovation.Listen to episode 57 of On Life...2024-12-0328 min

On Life With HelenBuilding Bridges To Workplace Harmony. Geoff Hash's Expert Advice on Mediation for EntrepreneursAs a business owner and leader, how prepared are you to de-escalate conflicts and mediate during disagreements in the workplace?In this episode, we learn about the art of addressing polarization and promoting team harmony in the workplace from the brilliant Geoff Hash. Geoff is an experienced employment lawyer and workplace mediator with over 20 years of experience defusing conflicts in professional environments. Relying on open dialogue and trust among team members, he develops creative solutions to complex work-related challenges.Listen to episode 56 of On Life With Helen and learn how to recognize the...2024-11-1927 min

On Life With HelenSecuring Your Company's Future: Financial Planning for Business Owners with Melissa YanoFor how long would your business survive if you were forced to leave it unattended for a few months?In this episode, Melissa Yano joins us to discuss financial planning for small and medium-sized business owners and sheds light on planning and securing businesses' financial future. Melissa is the President of Capital Wealth Planner and a seasoned financial planner and advisor with almost two decades of experience in the field. She combines her vast technical knowledge with her passion for supporting her client's financial goals and making them possible.Listen to episode 55 of...2024-11-0528 min

On Life With HelenMedicare's New Rules. Understanding the 2025 ANOC Letter with Rosamaria MarrujoAre you a Medicare beneficiary and haven't received the 2025 Annual Notice of Changes letter (ANOC) from your insurance provider?Medicare's Annual Enrollment Period (AEP) is just weeks ahead. It goes from October 15th through December 7th, and the information shared in the ANOC letter is all you have to decide whether or not to switch to a different Medicare Advantage plan.In this episode, Rosamaria Marrujo explains what you should pay attention to as soon as you put your hands in the ANOC letter. Rosamaria is an expert in Medicare, an advocate for...2024-09-2426 min

On Life With HelenMaximize Your Social Security Benefits: Tips and Strategies from Expert David BrabenderAre you nearing Social Security age and feeling unsure about how to maximize your benefits? We've got you covered!Since Social Security folks are not there to provide guidance on which option is best for you, consulting an expert is the best chance you have to make the right choice when claiming your benefits.In this episode, David Brabender takes us through the complexity and potential pitfalls of navigating Social Security benefits without expert guidance. David is a local Independent Insurance Agent, the Founder of Atman Insurance Services, and the incoming President of...2024-07-3025 min

On Life With HelenHow To Maximize Your Medicare Benefits in 2025: Expert Insights with Rosamaria MarrujoStill unsure of how Medicare changes will affect your health coverage in 2025?The new $2,000 out-of-pocket for prescription drugs, the changes in formularies, and changes in the coverage of weight loss drugs are some of the many modifications awaiting Medicare beneficiaries in 2025.In this episode, we get all our doubts about the upcoming changes for Medicare's 2025 annual enrolment period answered by expert guest Rosamaria Marrujo. Rosamaria is the Founder and CEO of Trusted American Insurance Agency and an expert with over 20 years of experience in the Medicare market. She is also a mentor for...2024-07-1632 min

On Life With HelenWhat's New in Medicare: Helen's Top Tips for Medicare Enrollment in 2025Wondering what Medicare updates you need to be aware of for 2025?In this episode, Helen goes through every major change in Medicare for the next year. From the $2,000 limit cap on out-of-pocket drug costs to changes in formularies, here is everything you must know to ensure you choose the right plan to stay on in 2025.Listen to episode 50 of On Life With Helen and discover everything you need to know about the importance of getting professional assistance, the new Prescription Payment Plan Program, and why it is crucial to think about early engagement...2024-07-0213 min

On Life With HelenLauren Bayha: Two Years Later - Making More Than My Corporate Job!Are you second-guessing yourself about starting your own business?In today's episode, I am pleased to welcome Lauren Bayha back to the show. Almost two years after taking that leap of faith and starting her own insurance company, BenefitsBay Insurance Solutions, and taking over the Sacramento Association of Health Underwriters, Lauren joins us again to share her thoughts on the intricacies of entrepreneurship in the insurance industry.Listen to episode 49 of On Life With Helen and learn more about Lauren's fascinating journey from apprehension to triumph in entrepreneurship. You'll get valuable insights, practical...2024-05-0722 min

On Life With HelenNavigating VA and Medicare Advantage Plans for Veterans: Insights from Addison BeverlyAre you a veteran and feel unsure of how to navigate VA and Medicare Advantage plans effectively? What are the key considerations to have on top of mind when choosing between traditional VA benefits and Medicare plans? Today, we are fortunate to have a true expert on this topic: Addison Beverly. He helps us understand the intersection of traditional VA benefits and Medicare Advantage plans for veterans and provides insights on how veterans can optimize their healthcare coverage. Addison is a Business Development Manager at Aetna Medicare Solutions, a CVS Health Company. Listen to...2024-04-2325 min

On Life With HelenMedi-Cal Application and the New Regulations Effective from January 1st, 2024, with Michael McCabeMedi-Cal completely revamped its process as of January 1st, 2024! This means all the laws, regulations, codes, and everything else have changed. Do you know how these changes affect your chances of getting accepted into Medi-Cal? In today's episode, Michael McCabe joins us to explain every change Medi-Cal has created for this year, the bureaucracy behind its new applications and regulations, and how he can help you get approved for Medi-Cal. Michael has over 20 years of experience and a 100% success ratio in getting people accepted into Medi-Cal. Listen to episode 47 of On Lif...2024-04-0915 min

On Life With HelenLong-Term Care & Alternative SolutionsHow do you know you picked the long-term care that better adjusts to your reality?In this episode, we discuss long-term care, insurance, alternative solutions, different ways to cover possible long-term care events, and how to educate the next generations on long-term care and their needs. From 100% self-insurance to accelerated benefit riders, standalone long-term care policies, and having children help pay, we explore every option under the sun, analyze their pros and cons, and help you figure out which one is the one that best suits your reality. Additionally, we explore one of our newest products...2024-03-2619 min

On Life With HelenMedicare Post Enrollment Top Ten Tips. Reasons To Work with a BrokerAre you having trouble navigating the complexities of Medicare enrollment for your healthcare needs in 2024?In today's episode, I discuss the intricacies of Medicare enrollment and why using a broker for your Medicare needs is crucial. You'll hear why individuals and business owners benefit from partnering with brokers, how they can assist you in evaluating costs and understanding IRMAA implications, and why seeking professional guidance in the post-open enrollment period is crucial. I also share my top ten tips to help you avoid mistakes on essential elements of Medicare enrollment, like payment methods, plan restrictions, prescription...2024-03-1219 min

Roundhouse CrosstalkRhythm of the Railroad: How the Railroad Influenced Jazz MusicJoin us for this week's episode of Roundhouse Crosstalk! In this week's episode high school senior Miles Rankins sits down with former Roundhouse Crosstalk co-host Amanda De Fazio and long time museum docent Helen Ornellas to discuss the influence of jazz and the railroad. Musicians traveled from city to city on the trains, playing in clubs and venues across the country. The rhythms of the railroad, the clacking of wheels on tracks, and the sounds of the whistle became part of the musical language of jazz. For his senior project Miles researched the connection between the railroad and jazz...2023-05-0631 min

On Life With HelenIs Using Ethos To Get Life Insurance A Good Idea?Does getting life insurance feels like a chore you've been dreading for longer than you can remember? In this episode, I'm talking about the countless benefits of using Ethos to get insurance, the three signs that you need life insurance today, and the differences between term and permanent life insurance. I also answer some of the most common questions about life insurance, clear doubts about how affordable life insurance really is, and more. Listen to episode 44 of On Life With Helen to learn more about this fantastic online tool, the myths about term and...2023-03-1417 min

On Life With HelenTrevor Patching - What Keeps You Up At Night and More!Although C-suite executives and key personnel are essential for any organization, they aren't the only ones you should take care of. Incentivizing young people with bonuses to get a down payment on a house or decide if they can afford to have kids might save your company tons of money. In this episode, I'm joined by our monthly guest, Trevor Patching, to discuss the importance of covering and incentivizing those in foundational positions in their company. Trevor debunks some myths about companies' pressure points and the need for elaborating solutions that care for everyone, not only t...2023-03-0728 min

Benefits InfluencerExecutive Benefits: Solutions for What Keeps Owners Up at Night w/ Helen OrnellasDennis chats with Executive Benefits expert, Helen Ornellas. Helen is the President and Founder of Ornellas & Associates Insurance Services. Based in California, Helen Ornellas specializes in Executive Benefits using Life Insurance, Disability, and Long Term Care to provide solutions. With over 25 years of experience in the insurance industry, Helen represents many different insurance companies offering a wide variety of coverage options and price points. Her goal is to take the confusion and uncertainty out of buying Life Insurance, Long Term Care, and Medicare, and help you make sense of it all. She specializes in helping b...2023-02-2225 min

On Life With HelenDisability Insurance And Income Protection with Dennis CarlsonSometimes, getting past the optimism bias we all have, is just the right way to approach our insurance choices. In today's episode, I'm joined by Dennis Carlson, Host of the #1-rated podcast for employee benefits brokers and advisors, Benefits Influencer, a specialist in long and short-term disability insurance, income protection for executives, and highly compensated employees. He shares the three main reasons why we should pay more attention to income protection, the best ways to overcome the optimism bias, group insurance, and more. Listen to episode 42 of On Life With Helen to learn ev...2023-02-2132 min

On Life With HelenHow To Maximize Reverse Mortgage Benefits with Mitchell CooperWhat are the main differences between traditional lines of credit and an FHA reverse mortgage?In this episode, we delve into the second part of our conversation about what is true and what is a myth about the reverse mortgages line of credit. Mitchell explains why he considers a reverse mortgage a great tool, especially for those in their 60s and above who struggle to access traditional lines of credit. Listen to episode 41 of On Life With Helen to learn more about the advantageous side of reverse mortgages no one talks about. 2023-02-1412 min

On Life With Helen8 Myths About Reverse Mortgages with Mitchell CooperThere are a lot of myths about reverse mortgages. Some think they can lead a person and their heirs to lose everything, have tax issues, or lose their social security benefits; none are true. Still, horror takes over clients' faces whenever we suggest a client consider reverse mortgages. In this episode, I'm really excited to welcome Mitchell Cooper back to the show. Mitchell is a Certified Reverse Mortgage Professional at Mutual of Omaha Mortgage, passionate about educating and guiding clients on the strategic and responsible use of home equity and retirement income planning. In this first p...2023-02-0725 min

On Life With HelenA Room With A View, Please with Renée BalcomIf you think about where you would like to spend the final years of your life, you most certainly won't pick an eight-by-ten room in a building living with a bunch of strangers and having to report for breakfast, lunch, and dinner. Yet somehow, society pushes us to believe it is an ideal place for older adults. In this episode, I'm talking with Renée Balcom, Professional Healthcare Advocate, Founder and CEO of Renée & CO, Keynote Speaker, and Author. Today, Renée helps us understand how we can offer the best environment to our loved ones...2023-01-3149 min

On Life With HelenChoose To Be Brave Every Single DayHow many things did you do despite being scared this year? In this episode, I'm talking about the fears conquered, the accomplishments, the chances of being brave I didn't waste in 2022, and my expectations and vision for 2023. As we get closer to the final sprint of the year, a year I used to clean my plate, mentally and physically, I take time to look back and give myself some grace for every box on my to-do list I checked. Today's show is also an invitation for you to do the same. Listen to ep...2022-12-2620 min

On Life With HelenJen Livengood - Holiday Hacks for HealthThe holiday season is usually a time for reflection, planning, and, quite often, feeling awful after overeating and experiencing food coma symptoms. In this episode, the lovely Jen Livengood visits us again to share five hacks to take care of your health during the holidays that'll help you keep your mental and physical health on track. As an experienced registered dietitian and functional nutritionist, Jen brings answers to some of the most common doubts and difficulties we might find during the end of the year's celebrations. Listen to episode 37 of On Life With He...2022-12-0630 min

On Life With HelenTrevor Patching - Employee Retention Part #3: How to Fund the CommitmentYou already learned why retention is so important and how to implement the stickiest plans to make it happen in parts one and two. Now it's time to find out your options to fund that commitment. In this episode, in the third and last part of this series on employee retention with Trevor Patching, you'll learn the best options to fund your retention plans and how to recognize the right approach based on your company's size and projection. Listen to episode 36 of On Life With Helen and find out why most companies fund th...2022-11-2230 min

On Life With HelenTrevor Patching - Employee Retention Part #2: What's the Solution?If a recession or any other external factor forced you to shrink your company by 30, 40%, or even half, who are the employees you should retain to keep the lights on? This week, on the second episode of this three-part series on employee retention with Trevor Patching, we talk about the best ways to solve retention issues and put in place a plan sticky enough to make employees decide to stay with you. Listen to episode 33 of On Life With Helen to learn about the questions you must ask yourself before figuring out a pl...2022-11-1521 min

On Life With HelenTrevor Patching - Employee Retention Part #1: Identifying the NeedThe post-pandemic scenario brought a massive change in employee retention with it. The different career path options, the hybrid work models, and the starring relevance of mental health at work created a war for talent. Employees happily jump between jobs, and companies break their heads trying to figure out how to attract talent. In this episode, I'm talking with Trevor Patching in the first of a three-parter series on employee retention. Trevor is the President of Asset Wealth Management. After a successful career in Asset-Based Lending, he now provides guaranteed risk-free programs, specializing in annuities, life in...2022-11-0819 min

On Life With HelenJenn Livengood - Taking Your Health Into Your Own HandsWhether it is for lack of time to prepare meals or seeking quick dopamine hits, we rely more and more on processed food, which not only lacks essential nutrients but also takes a toll on our health. Recent studies show that at least 88% of American adults have some kind of metabolic issue. In this episode, we welcome Jenn Livengood, who invites us to look differently at what we put in our bodies. Jenn is a registered dietitian and functional nutritionist passionate about helping people incorporate healthy lifestyle habits with the sole purpose of assisting them to e...2022-11-0146 min

On Life With HelenLisa Hutcherson - SUMMUS Global - Speed to Care In The WorkplaceWith virtual healthcare tools increasing, human connection and speed to care remains vitally important when it comes to the healthcare experience. In this episode, I am joined by Lisa Hutcherson. She is a National Account Director at SUMMUS Global, a platform that empowers families through direct access to a virtual network of leading specialists across 48 leading hospitals. Lisa’s previous experience includes growing and developing teams across the US in financial services, retail and other dynamic sales organizations before her journey to working within the technology channel of employee benefits. She has spent the last 18 years at Af...2022-10-1842 min

On Life With HelenWhat’s to Come for Medicare in 2023 with Rosamaria MarrujoWhat changes are being implemented in Medicare? In this episode, I am talking with Rosamaria Marrujo. Rosamaria has been a true pioneer in the field of Medicare for over 20 years. Throughout her career, she has supported over 6,000 agents nationwide through her GA/FMO based out of California. Rosamaria Marrujo, of Trusted American Insurance Agency, is the current CAHU/CAHIP Medicare Chair, and local Northern California SAHU Chapter President. In addition to being a leader in the Medicare Industry, Rosamaria is also a sought after speaker and she has spoken at more than 200 Medicare-related conferences, 800 educational sessions, a...2022-10-1146 min

On Life With HelenLet Go Of What Isn’t Serving You & Create Space For What Will!Do you have a list of things that you have to do but they continue to pile up?In this episode, I am talking about how I have made changes in my life throughout this year that have allowed me to make room for exciting changes. Back in January, I made a list of personal and professional things that I wanted to tackle. I went through and wrote down commitments that weren’t serving my goals anymore and personal items that I have been putting off. You will hear in the episode what the specific things we...2022-10-0412 min

On Life With HelenPreventing “Tech Neck” & Taking Care of Your Body with Dr. Kent HardenbrookDo you spend most of your day sitting down, staring at technology? Adjusting your habits and incorporating more movement throughout your day is something that will make your body feel better and improve performance when you’re working. In this episode, I am so excited to be joined by Dr. Kent Hardenbrook. He has been a practicing chiropractor for over 25 years and is passionate about teaching people to create new habits that will improve both their physical and mental health. Dr. Kent has worked with Ironman, USA soccer teams, and promotes Ergonomic education for tech workers. He...2022-09-2035 min

On Life With HelenStarting A Business: Networking, Challenges, & Culture with Samantha SidersHave you been thinking about starting your own business? Taking the leap to become a business owner takes a lot of courage. However, you will find fulfillment through the ups and downs if you have a mission that is driving you. In this episode, I am talking with Samantha Siders, the CEO and Trusted Benefits Partner at Siders Insurance Solutions. Samantha’s goal is to help people reach their full potential, whether it is her internal team or the clients that they serve. Her and her team at Siders Insurance Solutions work to help their clients reach...2022-09-1335 min

On Life With HelenWhat Qualifies a Californian for Medi-Cal? with Michael McCabeAre you a California resident? Medi-Cal is a gift that the State of California provides its residents so it’s valuable to take advantage of if you qualify for it. In this eighteenth episode, I am re-releasing episode 18 in which I was joined by Michael McCabe to talk all about Medi-Cal. For the past twenty years, Michael’s job has been Medi-Cal planning, focusing on counseling people on the psychology and financing of a person facing long-term care needs. Through his work, Michael coaches his clients on how to fund Long-Term Care through Medi-Cal Benefits, Waiver...2022-08-2332 min

On Life With HelenWhat is a Mental Health 5150?Our mental health is just as important as our physical health. It’s important to know the resources available for you so you can help yourself or those in your life who are struggling with their mental health. In this twenty-sixth episode, I am re-releasing episode 10 to emphasize the importance of understanding what a Mental Health 5150 is. You will hear from Renee Balcom, a health advocate advisor, to discuss how and when a 5150 should be incorporated in a situation. If you are ever with someone who is mentally unstable and causing a safety concern for the...2022-08-1646 min

On Life With HelenHow A Health Advocate Advisor Can Help: Part #2Do you lack confidence when it comes to making decisions about your healthcare or a loved one's health? Working with a health advocate advisor will give you the peace of mind that you are looking for when it comes to navigating the healthcare system. In this twenty-fifth episode, I am re-releasing Part 2 of my conversation with Renee Balcom, a health advocate advisor. In Part 1, Renee talked about how a health advocate advisor can help you make informed decisions when it comes to healthcare and how she helps her clients by creating a care plan. In Par...2022-08-0933 min

On Life With HelenInsights From A Health Advocate Advisor: Part #1What exactly IS a healthcare advocate advisor? If you are intimidated by the healthcare system, a health advocate advisor is there to help you make sense of it all. In this twenty-fourth episode, I am excited to re-release episode 7. In this episode, I had the chance to be joined by Renee Balcom, a health advocate advisor. Through her work, Renee helps people learn the healthcare system, understand the decisions they need to make, and cope with the challenges and strains of caregiving. Renee created the Silver Lining Network & Directory after realizing that overwhelmed family caregivers ne...2022-08-0235 min

On Life With HelenTaking the Leap & Starting An Insurance Agency with Lauren BayhaAre you waiting for a sign to make a career change? No matter how many years of experience, people supporting you, or dollars that you have saved away, taking the leap of faith to make a big change is always scary, yet so rewarding. In this episode, I am talking with Lauren Bayha. Lauren has recently decided to open up her own insurance agency, BenefitsBay Insurance Solutions. Not only that, but Lauren has also taken over the Sacramento Association of Health Underwriters after many years as a member. Lauren’s courage to step out and pursue buil...2022-07-2629 min

On Life With Helen“Are You a Business Owner? Things falling Through the Cracks?” Ben Godinez from VensureHR- Has Answers!Are your efforts going to what you do best as a business owner or are you paralyzed by endless non-revenue-generating activities? One of the most common problems faced by businesses is the unending rise in overhead costs stemming from inefficiencies in compliance, and hiring, among others.In this episode, I am talking with Ben Godinez, a Business Consultant at Vensure Employer Services. He is passionate about helping small businesses grow by solving operational challenges and streamlining compliance requirements. Today, he’ll share with us how Vensure Employer Services’ PEO (Professional Employer Organization) helps business owners. Additionally, he’l...2022-07-1933 min

On Life With HelenDivorce and Reverse Mortgages with Mitchell CooperRecent studies show that divorces among couples who are over 50 years are on the rise in the US. One of the challenges that such couples face that younger couples don’t is how to split their assets such as a house in a way that secures their future financial stability. The reverse mortgage has proven to be a game-changer in this area because it allows such couples to split a house without making mortgage payments.In this episode, I am joined by Mitchell Cooper, a Certified Reverse Mortgage Professional with Mutual of Omaha Mortgage. Today, Mitch is...2022-07-1226 min

On Life With HelenManaging Difficult Conversations with Jay JohnsonWhen was the last time you had a difficult conversation in your workplace? There have been major changes in the workplace throughout the past few years, and it’s important for all employers to be clear communicators while also providing their employees a safe space to do the same.In this twentieth episode, I am talking with Jay Johonson. Jay is the CEO of Coeus Creative Group and is an internationally renowned speaker specializing in behavior and organizational development. He has given keynotes and workshops in 19 countries across 4 continents, empowering audiences with an eye-opening perspective on be...2022-07-0530 min

On Life With HelenWhen It All Works Out With LoveHave you and your family discussed the details on what to do when one of you passes away? In this nineteenth episode, I am talking about a difficult event that happened recently in my life. Just a few weeks ago, my sisters and I said goodbye to our mother after she had lived a long, full, and beautiful life. I share with you the last 10 years of my mother’s life, what health difficulties she went through, and how my sister’s and I honored her wishes. Since losing my mother, it has been an extrem...2022-06-2815 min

On Life With HelenEducating people on Medi-Cal Qualifying with Michael McCabeDo you live in California? If so, it is important to learn about Medi-Cal and understand how you can qualify. In this eighteenth episode, I am joined by my great friend, Michael McCabe. Michael has been doing Medi-Cal planning for the last twenty years, focusing on counseling people on the psychology and financing of a person facing long-term care needs. He coaches his clients on how to fund Long-Term Care through Medi-Cal Benefits, Waiver Program, IHSS (In-home supportive services). Medi-Cal is a gift that the State of California is giving to people, so why not ta...2022-06-2131 min

On Life With HelenTrifecta Impact of Life Insurance in the Workplace with Lisa HutchersonDo you and your family members have a life insurance plan? It’s best to prepare for the worst so if the worst comes, your loved ones can properly grieve without having to worry about costs and arrangements. In this seventeenth episode, I am joined by my good friend Lisa Hutercherson. Lisa is the National Account Director at SUMMUS, a platform that provides medical decisions through fast, virtual access to the world's best medical expertise. Their clients are companies that seek to create a supportive healthcare experience for their employees and drive better, cost efficient outc...2022-06-1430 min

On Life With HelenTips & Advice On Caring For Family Members with Kerri SanfordHave you taken on the responsibility of caring for one or more family members that are declining in health? Or are you expecting to at some point later in life? In this sixteenth episode, I am joined by Kerri Sanford, a Medicare Specialist at Lawlen Insurance Solutions. When Kerri got a concerning call about her parents' health, she knew that she couldn’t sit idly by while their mental and physical states continued to decline. She moved them both into her home in Sacramento and became their caretaker while also maintaining her personal career and navi...2022-05-2433 min

On Life With HelenThe Value in VolunteeringHow much of your time do you spend volunteering? The benefits of volunteering are beyond measurable for all professionals, no matter the industry you work in. In this fifteenth episode, I am talking about the value of volunteering for everyone. In this Part 1 episode, I share my experiences, stories, and lessons learned from volunteering with a professional organization for over 10 years. You will hear about the benefits of volunteering for solo-preneurs, the community that volunteering has brought me, different roles that I have had throughout my volunteering journey, and what I have learned about the ma...2022-05-1729 min

On Life With HelenThe Power of MentorshipWho has been a mentor in your life? Are you a mentor to anyone? Mentorship is something that we all can benefit from, whether we are the mentee or the mentor. In this fourteenth episode, I am talking about the power of mentorship and the role that it has played in my life as both a mentor and a mentee. Connecting with other people to share experiences, lessons, advice, and support is an incredible way to grow personally and professionally. Throughout this episode, I talk about what makes a good mentor, my personal experiences with me...2022-05-1027 min

On Life With HelenSupporting Yourself & Others Through Grief with Emily Thiroux ThreattWhat are ways that you support yourself and others through grief? In this thirteenth episode, I am joined by the wonderful Emily Thiroux Threatt. Emily is the host of the podcast, Grief & Happiness, where she shares stories of those that have not let grief strip them of their joy for life despite experiencing immense loss. Emily is also the author of the book, Loving and Living Your Way Through Grief, a fantastic resource for those that are unsure of how to navigate the grief they are going through. Throughout this conversation, Emily shares the loss sh...2022-04-0544 min

On Life With HelenUnderstanding Reverse Mortgages with Mitchell CooperDo you understand what a reverse mortgage is? In this twelfth episode, I am joined by Mitchell Cooper to talk all about his insights, advice, and perspective as a Certified Reverse Mortgage Professional. Through his work, Mitchell provides education to professionals and homeowners about the strategic use of the Home Equity Conversion Mortgage in retirement income planning. Throughout this conversation, Mitchell talks about the biggest misconception about reverse mortgages, what the Reverse for Purchase program is, common mistakes that people make when it comes to reverse mortgages, what goes into the loan process, and examples of...2022-03-2942 min

On Life With HelenThe Role of a Benefits Broker with Cerrina JensenDo you know what a benefits broker’s role is? Whether you are an employer or an employee, benefits brokers are there to help save you money and get you the best benefits plan possible. In this eleventh episode, I am joined by Cerrina Jensen to talk about her role as an Employee Benefits Consultant & Benefits Broker. Cerrina is passionate about empowering and educating employers to teach them how to navigate the healthcare system and deliver better benefits for their employees. Throughout this conversation, Cerrina shares the top reasons why employers should look at working with...2022-03-2245 min

On Life With HelenMental Health 5150Do you have someone in your life that is struggling with their mental health? In this tenth episode, I am joined again by the wonderful Renee Balcom, a health advocate advisor, to talk about Mental Health 5150. Understanding what a Mental Health 5150 is important so you are prepared if you ever find yourself in a situation with someone who is not in a stable state of mind and are concerned for your or their safety. Throughout this episode, Renee shares stories from her work with clients that she has had to call a 5150 for, what her adv...2022-03-1546 min

On Life With HelenEverything You Need To Know About 10 Year TermsHave you considered getting a 10 year term of life insurance? In this ninth episode, I am talking all about the ins and outs of 10 year terms. A 10 year term is a great option for many people, but it is still important to know the important details so you can confidently decide if it is the best route to go. Throughout this episode, I talk about why business owners may want to look beyond the 10 year term, the benefits of having a 10 year term, what the accelerated underwriting process is, and the importance of staying compliant fo...2022-03-0132 min

On Life With HelenWho’s In Your Corner? Health Advocate Advisor: Part #2Do you feel unsure about what ‘s best for yourself or loved ones when it comes to healthcare? Connecting with a health advocate advisor is a great way to ensure that you aren’t getting taken advantage of in the healthcare and long term care systems. In this eighth episode, I am so excited to share with you Part 2 of my conversation with Renee Balcom, a health advocate advisor. In Part 1, Renee shared what a health advocate advisor is, her process for creating a care plan for clients, and stories from her career. Throughout this episod...2022-02-1533 min

On Life With HelenWho’s In Your Corner? Health Advocate Advisor: Part #1Are you intimidated by the healthcare system? Or unsure about your doctor’s recommendations? If so, it’s worth reaching out to a health advocate advisor. In this seventh episode, I am so excited to be joined by Renee Balcom, a health advocate advisor. Renee has spent over a decade consulting and providing services to families looking for care solutions for their loved ones. She helps people navigate the healthcare system, make informed care decisions, and cope with the challenges and strains of caregiving. After realizing that overwhelmed family caregivers need a mechanism to quickly find ap...2022-02-0134 min

On Life With HelenMedicare 101Do you have a Medicare plan? Understanding the ins and outs of Medicare is extremely valuable in order to find the best plan for you. In this sixth episode, I am talking all about Medicare - something that all business owners and employees should be informed on. Throughout this episode I explain what Medicare is, how it can save money for both employers and employees, the three paths you can take with Medicare, the pricing of Medicare plans, and some helpful Medicare tips. I hope this episode helps to clear up any misunderstandings you have su...2022-01-1833 min

On Life With Helen2021 ReflectionsWhat comes to mind when you reflect on the past 12 months? As the year wraps up, it’s a great time to look back at all that you’ve accomplished and how you want to enter into 2022. In this fifth episode, I am sharing my reflections from the past year. While there is no denying that the past 12 months had its challenges, there was so much good that came from it as well. Throughout this episode I dive into what I loved about the past year, the different areas of my life that I’ve leveled...2021-12-2823 min

On Life With HelenLong Term Care OptionsDo you have a long term care insurance plan? Many people often think that they do not need long term care insurance or assume it’s included within their health care, which is not the case. In this fourth episode, I am talking about long term care and why it is important to have. I often hear from my clients that they already have a family member who can take care of them when they are older, but I think it is best to be prepared and purchase a long term plan. Throughout this episode I di...2021-12-1428 min

On Life With HelenOwnership, Compliance, & Answering Your QuestionsHave you been unsure how to navigate your life insurance policy due to unique events? If you have a question, please seek guidance from myself or another professional in order to set yourself up for the best outcome! In this third episode, I am talking about the different events or situations that may affect your life insurance policy. Understanding how life insurance policies can affect the different aspects of your life can be confusing, but all it takes is asking the question to save yourself a big headache. Throughout this episode I talk about the in...2021-11-1632 min

On Life With HelenHow Marijuana & CBD Impact PolicyAre you a tobacco, nicotine, marijuana, or CBD user? When your life insurance agent asks you this question, it’s important to be honest and upfront. In this second episode, I am explaining how using marijuana, CBD, tobacco, and nicotine will impact your life insurance policy. Being transparent with your life insurance agent or broker about the frequency of use is important to make sure that they can find the right carrier for you. Throughout this episode, you will learn the amount of smoking that will bump you to a smoker’s plan, the variety of eve...2021-11-0229 min

On Life With HelenBegin Building Your Life ToolboxWelcome to On Life With Helen! I am so excited to help you start building your life toolbox so you are prepared for the future. In this first episode, I explain my background growing up, how I began my career, and where I have ended up today. After twenty years in the life insurance industry, I still wake up every morning with the same passion to help people understand what will work best for them and their future. Throughout this episode, you will learn my answers to the common questions about life insurance, the conversations t...2021-10-1927 min