Shows
Coasting In Retirement with Josh NullEpisode 68: Health Insurance with Jay StubbsJosh is joined by Jay Stubbs to cover everything health insurance related and Cigna's group solutions on this week's episode of Coasting in Retirement!
2025-10-2754 min
Coasting In Retirement with Josh NullEpisode 55: Long Term Care with Jay StubbsI want to discuss what is called an "evergreen" topic with Jay Stubbs on our show – Long Term Care. I've been getting a lot of questions about long-term care recently, and as Jay is considered an expert in this field, I wanted to spend 15 to 20 minutes with Jay discussing everything a person should know about long-term care insurance and how to financially navigate an extended health care event. Let's start with this because many listeners have probably never had this type of protection explained in detail to them – Jay, how do you define long term care insurance?
2025-05-0554 min
Coasting In Retirement with Josh NullEpisode 43: The Science Behind Risk Management with Jay StubbsAlright, let's get to our main topic today. Jay and I are going to break down the science behind how life insurance, disability income and long term care insurance work, the differences between individual and group coverages, and probably most importantly, the steps you need to take to get these different types of coverages, if you are interested.
2024-12-0154 min
Every Dollar Counts with Josh & JayHow to Work with Jay & Providence PartnersIn this episode, Josh Null and Jay Stubbs discuss Jay's experience and role at Providence Partners and Providence Benefits. Jay shares his personal story of how his father's passing and the importance of life insurance influenced his decision to pursue a career in the financial services industry, focusing on the risk management side. He explains his role as an intermediary and advisor to financial advisors, helping them navigate various risk management solutions for their clients. Jay also discusses the multidimensional approach of his firm, their mission to build strong relationships with producers, and the importance of having a team-based...
2024-08-0621 min
Coasting In Retirement with Josh NullEpisode 35: How to Plan for Future Tax Increases and How Elections Effect Your MoneyJosh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast with Jay Stubbs. Takeaways Jay has the esteemed credentials of CLU, which stands for Chartered Life Underwriter, meaning that Jay has high level training in life insurance and how that ties into estate planning In the past when the estate planning exemption was $2 million, or $1 million, or heck, just $650k at the turn of this century Trillions of dollars in tax breaks enacted by former President Donald Trump...
2024-07-0858 min
Every Dollar Counts with Josh & JayRIAs, IMOs, BGAs: What Financial Advisors Need to Know In this episode, Josh Null and Jay Stubbs explore the complex world of financial services acronyms. Starting with an overview of their roles and backgrounds, they explain the various organizations and terms that industry professionals encounter. They discuss FMOs (Field Marketing Organizations), IMOs (Independent Marketing Organizations), and BGAs (Brokerage General Agencies) and how these differ from captive carriers. Josh and Jay also touch on related acronyms like RIA (Registered Investment Adviser) and IAR (Investment Adviser Representative), clarifying their nuances. They talk about the benefits these organizations provide, such as offering a range of products and helping advisors s...
2024-06-2615 min
Every Dollar Counts with Josh & JayHow to Incorporate Insurance Planning with Advisory Clients In this episode, Josh Null and Jay Stubbs delve into a step-by-step guide on how financial advisors can introduce risk management to their clients. The discussion is tailored for curious investors and industry producers, whether independent, semi-independent, or captive. Jay emphasizes using real-world "what if" scenarios to help clients understand the importance of risk management related to life insurance, disability income protection, and long-term care. They discuss practical strategies for advisors to engage clients and propose risk management solutions, highlighting the importance of timing, regular policy reviews, and support after the sale. Josh...
2024-06-1917 min
Every Dollar Counts with Josh & JayRe-Launch! In this episode of Every Dollar Counts, hosts Josh Null and Jay Stubbs mark the podcast's return after a nearly two-year hiatus. They catch up on significant career changes: Jay is now an agency owner with Providence Benefits, and Josh has launched his own investment advisory firm, Gulf Coast Financial Advisors. The hosts announce a shift in the podcast's target audience to semi-independent, independent, captive agents, producers, and advisors. The episode delves into mutual support in their professional journey, emphasizing risk management solutions. Future episodes will explore topics like becoming an independent financial advisor, integrating risk management into financial planning, a...
2024-06-0517 min
Coasting In Retirement with Josh NullEpisode 31: Jay Stubbs with Providence PartnersJosh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast with more exciting news and Providence Partners! Coasting in Retirement in the running for the Lagniappe Nappies best radio show Long term care can protect your savings and lend you peace of mind for loved ones 65 year old couple if waiting 10 years, on average their premiums would double
2024-05-1054 min
Coasting In Retirement with Josh NullEpisode 20: Long Term CareToday your host Josh Null and co-host Jay Stubbs things you need to know about long term care. Independent or assisted living facilities often have waiting lists that are months or years long Your age is one of the most significant factors to consider when deciding on the timing of a long-term care insurance purchase Cashing out an asset-based long-term care plan may trigger a surrender charge. This surrender charge is typically a percentage of the policy's value so if you have a significant amount of coverage, the surrender fee could be on the steep side
2023-10-0654 min
Every Dollar Counts with Josh & JayWe're Living A Country Song As Hank Williams Jr sang, "The interest is up, and the stock market's down.". In this Part 3 of a 3 part mini-series on current market conditions, Josh and Jay discuss the top of mind topic for most consumers right now, inflation. From home goods, construction materials, energy, groceries, transportation, fuel, gas, traveling, heck, even Chick-Fil-A, consumers are dealing with rising costs across a variety of goods and services. Some companies are combating that with what's called "shrink-flation" but even so, the inflation numbers being published are still at historic highs. The hosts discuss and explain how inflation is...
2022-07-1422 min
Every Dollar Counts with Josh & JayBear vs Bull Markets There’s an old investing saying: “Fortunes are made in bear markets and collected in a bull market”. In this episode, Josh and Jay discuss the difference between bear markets and bull markets, and why that matters to investors. The guys also discuss the impact of emotion on the market, particularly in the short run, and why that could potentially work in the favor of investors that look at fundamentals. What role does your investing strategy play into how you feel about current stock market conditions? Tune into this episode, then jump back to Ep 55 where we discus...
2022-06-2918 min
Every Dollar Counts with Josh & JayFear of Missing Out (FOMO) From “the next google” stocks, to penny stocks, dot.com stocks, meme stocks, or even crypto, there’s typically both social pressure applied to investors to not miss out on the next big thing, but also their own internal feelings of not wanting to “miss” out. This “Fear of Missing Out” or FOMO as it’s referred to, typically builds as a bull market is extended and certain investments possibly grow faster than their underlying value would dictate. In this episode, Josh and Jay discuss both fear of missing out, and discuss the difference between “gambling” versus utilizing a diversif...
2022-06-2822 min
Every Dollar Counts with Josh & JayHow To Pay For Long Term Care Josh and Jay discuss the different ways to pay for an extended healthcare event, or long-term care as it’s commonly referred to. Long-term care events can be one of the biggest destroyers of wealth that a family will encounter. How should you plan for an extended health care event? Should you put money in the bank? In a dedicated investment account? Or should you look at insurance products, and if so, what different types are available? All of these questions and more will be discussed in this episode! Want To Continue The Co...
2022-04-0521 min
Every Dollar Counts with Josh & JayInterest Rates and Income Annuities Interest rates are rising, and there are certain plans for the Fed to continue to increase the Fed funds rate. For pre-retirees and retirees looking at the purchase of an income annuity to help fund their retirement, or those folks with a pension backed by an insurance company provided annuity, how does rising rates affect the payout of their annuity? In this episode, Josh and Jay discuss how a rising interest rate environment affects income annuities. The hosts also briefly run down the different types of fixed income annuities. For those of you in an annuity, or...
2022-03-3116 min
Every Dollar Counts with Josh & JayWhat is Risk Tolerance? In this episode, Josh and Jay discuss a phrase many investors have heard but may not fully understand: risk tolerance. What is risk tolerance? Why does it matter when you’re setting up your investment accounts? How do you determine your risk tolerance? Josh and Jay quickly go thru his company Gulf Coast Financial Advisor’s risk tolerance questionnaire to give the listeners a feel for the types of questions that determines their risk score. For many investors, it’s all about the pillow test – can you sleep well at night after watching your investments change in value?
2022-03-3125 min
Every Dollar Counts with Josh & JayWomen of Mobile Bay: Michelle Lee Melton, J.D. In this episode, Josh and Jay welcome Michelle Lee Melton, J.D., the Deputy Director of Real Estate Asset Management for the City of Mobile. Michelle discusses pursuing her law degree from the University of Denver, and her career path since graduating, including her current role at the City of Mobile. Tune in to learn more about Michelle’s experience with contract law, civic service, public/private partnerships, and real estate transactions. Michelle explains how her law degree is specialized with an emphasis on environmental and land use law, which ties into her passion for creating green op...
2022-03-0922 min
Every Dollar Counts with Josh & JayHappy Mardi Gras Laissez les bons temps rouler! Josh and Jay take a break from finance and insurance to welcome everyone a very Happy Mardi Gras! In this episode, they discuss the when and how Mardi Gras originated in Mobile, AL (Surprise! Not New Orleans!). The hosts also describe the parades and balls, and how they relate to the Mardi Gras societies and organizations both in Mobile and over in Baldwin County, especially on the Eastern Shore. If you ever wondered what Mardi Gras was like in our part of the Gulf Coast, take a listen! ...
2022-02-1719 min
Every Dollar Counts with Josh & JayPodcastable and Verbalicious - The EDC Podcast Recap! It’s a story about friendships and relationships and hopefully will bring a smile to your face. Josh and Jay discuss the journey of starting and building the Every Dollar Counts podcast, including the impact the show has had on Josh’s financial planning practice, Gulf Coast Financial Advisors, and the building of his brand. Tune into hear the story of how the podcast originated, plus, Josh and Jay spontaneously invent two news words: Podcastable and Verbalicious! Want To Continue The Conversation? You can reach out to Gulf Coast Financial Advisors to se...
2021-12-1421 min
Every Dollar Counts with Josh & JayHow Covid Has Impacted Life Insurance - Update Josh and Jay discuss the broad impact that Covid-19 has had on life insurance, such as underwriting, the exam process, health ratings, everyday life and more. Want To Continue The Conversation? You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com, or setting an appointment on our website https://gulfcoastfa.com/. Independent and semi-independent agents and advisors can reach Jay Stubbs at http://jaystubbs.com/ ////// Dis...
2021-12-1419 min
Every Dollar Counts with Josh & JayWhich Type Of IRA Is Best For Me? Josh and Jay discuss the different types of Individual Retirement Accounts (IRAs) and how they fit into different situations. The guys discuss SEP IRAs, traditional (sometimes called rollover), Simple IRAs and Roth IRAs. Tune in to learn about how the contributions limits of each type of IRA, the size of your business and your individual needs help you determine which IRA is a good fit. Josh and Jay also compare and contrast IRA’s with group qualified plans, such as a 401(k) or a 403(b). Want To Know More About Josh and Jay?...
2021-11-1927 min
Every Dollar Counts with Josh & JayLife Insurance Retirement Planning (LIRP) Josh and Jay dive into Life Insurance Retirement Planning, commonly called LIRP. Living longer, having more years in retirement, potentially rising income taxes and uncertainty in the market are all common reasons that investors look for more tax-efficient and stable income sources in retirement. LIRP is one strategy that can potentially help you not outlive your money in retirement. Tune in to learn more! Want To Know More About Josh and Jay? You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular...
2021-11-0815 min
Wealth In WavesBiz Owners: $2 Trillion in New Taxes is a BIG Number Josh and Will welcome special guest Jay Stubbs, the Director of the Gulf Coast for Concourse Financial Group and Josh’s co-host on the long-running Every Dollar Counts with Josh and Jay Podcast. Jay joins the guys to discuss the $2 trillion dollar tax increase plan that made it way through the House Ways and Means Committee recently and is currently debated in Congress, and how it potentially impacts business owners, self-employed people and investors. Want To Know More About Will and Josh?If you would like to continue the conversation with Josh and Wi...
2021-10-1823 min
Every Dollar Counts with Josh & JayYear End Personal Financial Assessment Josh and Jay are joined by very special guest Will Steih, a licensed CPA, Managing Director for the Nashville Market for Prime Capital Investment Advisors and a team mate of Josh’s at Gulf Coast Financial Advisors. The guys discuss how to do a personal financial assessment, diving into items like taxes, income, qualified retirement plan contributions, risk management and whether it’s time to take chips off the table or not. Want To Know More About Josh and Jay? You can reach out to Gulf Coast Financial Advisors to set up a no...
2021-10-1818 min
Every Dollar Counts with Josh & JayDisability Income And The Owner Operator In the episode, Josh and Jay discuss a topic that is vitality important to the risk management portion of a client’s financial plan: disability income protection. Tune in to learn about the differences in group versus individual policies, how coverage is priced, the difference between short-term disability and long-term disability, and some key components that everyone needs to know about their plan. Josh and Jay also discuss how someone qualifies for disability income protection and the difference between morbidity and mortality in underwriting. The guys also dive into how important disability income protection is for the ow...
2021-08-2521 min
Every Dollar Counts with Josh & JayShould I Trust This Stock Market? In the episode, Josh and Jay discuss positive factors affecting the overall stock market valuation and some areas of concern. Tune is to learn more about how technology and unprecedented government spending is having an impact on the equities markets, balancing that with the growing concern of inflation and the Delta variant of Covid. Josh and Jay also discuss why investors in the “retirement red zone” with less than 5 years until retirement should pay particular attention to their risk tolerances and portfolio allocations. Lastly, Josh discusses why “quality” of investment choices matters and why you don’t want to mo...
2021-08-2416 min
Every Dollar Counts with Josh & JayWho Needs Estate Planning? In the episode, Josh and Jay discuss Estate Planning and how it applies to a broader range of people than typically assumed. This episode discusses how anyone with assets technically has an estate, irrespective of age or asset value. An Estate Plan is used to manage assets in the event of a death or incapacitation, and can help clear up confusion and conflict with an inheritance. An Estate Plan has always been an important document, but recent legislative conversations around the Estate Tax Exception, estate tax rates, and the property being a “deemed” sale at death have rein...
2021-07-0817 min
Every Dollar Counts with Josh & JayThe Tech We Use To Serve Our Clients In the episode, Josh and Jay discuss the technology platforms used by their respective firms Gulf Coast Financial Advisors and First Protective. While GCFA and First Protective are not affiliated companies, they both have experienced significant growth over the past few years, and both have leveraged technology and platforms to service their growing client base. Josh and Jay discuss not just using client facing tech for tech’s sake; the best platforms are easy to use and make both the advisor’s life and the client’s life easier. Tune in to learn how Josh, in his...
2021-06-2222 min
Every Dollar Counts with Josh & JayTaxes, Stimulus & Market Uncertainty The Big BOSS is back! Will Steih, the Managing Director for the Tennessee office of Prime Capital Investment Advisors, is back in studio with Josh Null and Jay Stubbs for another business owner focused podcast series. Now, normally the show topics are evergreen, but Will, Jay and Josh all felt that with a possibly historic election just days away, they would record some of their thoughts before the final outcome is known. Let put it down on tape for posterity, so that they could either make fun of themselves a few days (weeks? months?) after the election...
2020-10-2923 min
Every Dollar Counts with Josh & JayIt's More Than A Retirement Plan Josh records this episode at the headquarters of Prime Capital Investment Advisors, joined by Qualified Plan Advisors (QPA) representatives Chris Roper and Tommy Mancuso. In this episode, Josh, Chris, and Tommy break down all of parts that go into a well-constructed qualified retirement plan. Resources Prime Capital Investment Advisors Qualified Plan Advisors Chris Roper Tommy Mancuso About Every Dollar Counts Every week Jay Stubbs and Josh Null will draw on their combined 30 years of experience to break down and e...
2019-11-2418 minEvery Dollar Counts with Josh & JaySecrets Of The High-Net Worth Investor Josh & Jay welcome executives Tim Hakes, President of Prime Capital Investment Advisors, and CEO Glenn Spencer to dive into the “secrets” of the high-net worth investor. We also make a very exciting announcement about Josh Null and his company, Gulf Coast Financial Advisors, partnering with Prime Capital. About Every Dollar Counts Every week Jay Stubbs and Josh Null will draw on their combined 30 years of experience to break down and explain the investment and insurance products and services available to folks that are serious about their financial plan.
2019-11-2425 minEvery Dollar Counts with Josh & JayLong Term Care: Where does the money come from? Josh & Jay break down the ways to plan for the expenses of an extended healthcare event. About Every Dollar Counts Every week Jay Stubbs and Josh Null will draw on their combined 30 years of experience to break down and explain the investment and insurance products and services available to folks that are serious about their financial plan.
2019-11-2418 minEvery Dollar Counts with Josh & JayDoes your retirement plan need a Third Party Administrator (TPA)? Guest Crystal Sears of Azalea Administration joins Josh & Jay to discuss all the services her TPA business provides, and the importance of getting these services right. About Every Dollar Counts Every week Jay Stubbs and Josh Null will draw on their combined 30 years of experience to break down and explain the investment and insurance products and services available to folks that are serious about their financial plan.
2019-11-2416 minEvery Dollar Counts with Josh & JayFirst show in the can! Welcome to Every Dollar Counts with Josh & Jay, a weekly SHOT of truth serum for your investment and insurance related questions. In this episode, Josh & Jay discuss their various personal and professional reasons for starting the podcast. About Every Dollar Counts Every week Jay Stubbs and Josh Null will draw on their combined 30 years of experience to break down and explain the investment and insurance products and services available to folks that are serious about their financial plan.
2019-11-2315 min
Stop Podcasting YourselfEpisode 308 - Josh StubbsJosh Stubbs returns to talk Jay Leno, car troubles, and Graham joins Tinder and wonders whether he's a bear.
2014-02-111h 28