Shows
The Unconventional InvestorHelp Seniors Downsize With Dignity + Ease with Reavanti (Ep 68)Downsizing or transitioning to a new living situation can be especially overwhelming for seniors and their families. In my recent episode, I had the pleasure of chatting with Zach Gariti, founder of Reavanti, a company specializing in senior move management.Here are 3 key takeaways:A Personalized, Stress-free Approach: Reavanti manages every aspect of a senior’s transition—from sorting and packing, to donating and selling unwanted items, all the way to recreating familiar home environments in new spaces. Clients remain at the center of the process, but without the heavy lifting (literally and figuratively!).Flexible, Compassionate Supp...2025-04-2219 minThe Unconventional InvestorFrom Self-Directed IRAs to Subscription Agreements: The Mechanics of Alternative Investing (Ep 67)In this solo episode, Michelle gets into the nuts and bolts of investing in alternative assets. If you’ve ever wondered how difficult the logistics are to invest outside your traditional brokerage, this episode is for you. Michelle breaks down the logistics of alternative investing—from setting up self-directed IRAs to filling out subscription agreements—so you can feel confident taking the next step toward portfolio diversification.What You’ll Learn in This Episode:The Basics of Alternative Investing: Why more investors are looking beyond stocks and bonds.Self-Directed IRAs Explained: How they work, when to use t...2025-04-1516 minThe Unconventional InvestorSaving Taxes on Roth Conversions: with CEDARst Companies (Ep 66)If you're an accredited investor looking to diversify your portfolio with unique strategies, this episode is for you. We talk about CEDARst's innovative approach in not only how they operate their fund, but how it's structured. Key takeaways:Understanding Vertically Integrated Microdevelopment: Cedar Street's unique model maximizes space in dense urban areas by integrating in-house construction, architecture, and property management. This "approachable living" appeals to young professionals looking for highly amenitized, affordable living spaces.Roth Conversion Strategy: A game-changer for investors during low-income years. Convert your traditional IRA money at its lowest valuation into a Roth, e...2025-04-1026 minThe Unconventional InvestorSecure, High-Yield Returns Through Real Estate Lending with The Bedrock Fund (Ep. 65)With interest rates on the rise, private credit funds are gaining popularity among investors seeking alternative opportunities. In this episode of The Unconventional Investor, we talk about the fundamentals of asset-backed lending, the innovative structure and strategy of The Bedrock Fund—a private lending platform for home flippers—and discuss how it offers accredited investors stable, non-traditional returns.Joining us is Mark McKeller, Principal & Director of Originations at The Bedrock Fund. With over 20 years of experience in real estate investing and asset-backed lending, Mark shares what makes The Bedrock Fund unique and how it can complement your inve...2025-04-0324 minThe Unconventional InvestorUnderstanding Crypto's New Role in Our Economy with Andy Woodward (Ep. 64)Software engineer & developer, Andy Woodward joins us to give an update on cyptocurrency and it's place in our financial markets. As someone who's been following the crypto space since 2018, Andy provides a wealth of insights into the world of cryptocurrencies. Key Takeaways:Understanding Crypto's Resilience: Andy highlights how, despite the buzz around meme coins, the top cryptocurrencies like Bitcoin and Ethereum have remained relatively consistent over the years. It's crucial to look past the short-term noise and focus on the long-term potential of these digital assets.Crypto as a Tool for Global Economic Participation: Cry...2025-03-1139 minThe Unconventional InvestorInvesting in Mobile Home Parks: Interview with COARE Communities' Hansel Rodriguez (Ep. 63)If you're interested in learning more about the potential of Manufactured Housing Communities (mobile home parks), listen to this episode!Hansel Rodriguez, Principal of COARE Communities, joins us as we get into the world of Manufactured Housing Communities (mobile home parks). Hansel shares his expertise on diversified investment strategies, the significant returns and tax benefits associated with mobile home park investments, and the critical role these communities play in providing affordable housing solutions.Key Takeaways:Affordable Housing Focus:COARE is dedicated to solving the affordable housing crisis by investing in and preserving Manufactured Housing...2025-03-0422 minThe Unconventional InvestorMaximizing Travel Rewards: Insider Tips from Julian Kheel of Points Path (Ep 62)Ever dreamed of traveling the world for less? This week, I chat with Julian Kheel, founder of Points Path and travel expert, about how to unlock the power of airline miles and credit card points. Julian explains the often-confusing world of travel rewards, sharing his 15+ years of experience and turning the complex system into an exciting game.Learn how to leverage credit card perks, maximize sign-up bonuses, and strategically use flexible cards to earn and redeem rewards for travel deals. Julian also highlights his game-changing Points Path browser extension, designed to make deciding between cash and points...2025-02-2536 minThe Unconventional InvestorThe Different Categories of Alternative Investments & How to Add Them to Your Portfolio (Ep 61)Take the quiz - How Alternative Assets Can Fit in Your Portfolio Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don't forget to leave a review!Follow Michelle for more financial tips:YouTube: youtube.com/@theunconventionalinvestor Instagram: michelle.e.moses Website: www.mefinancial.net Disclaimer: The information provided in this podcast is for general informational purposes only and should not be construed as professional financial advice. Always consult with a qualified financial advisor or professional before making any financial decisions. The hosts and guests of this podcast are not...2025-02-1816 minThe Unconventional InvestorHow to Use Self-Directed Accounts to Invest in Alts with CNB Custody (Ep 60)In this episode, we're talking about the world of self-directed accounts with our guest, Michelle Thomas from CNB Custody. 🎙️If you're looking to invest in alternative investment strategies beyond the traditional stock market, this episode is a must-listen! Here are three key takeaways:🔹 Understanding Self-Directed Accounts: Self-directed accounts offer the flexibility to invest in alternative assets like real estate, LLCs, and REITs, beyond publicly traded stocks and bonds.🔹 Why Custodians Matter: Transferring funds and managing accounts through self-directed custodians, like CNB Custody, is a bit different than your traditional custodians, but still as simple....2025-02-1124 minThe Unconventional InvestorHow You Can Use Alternative Investments to Create Creative Financial Strategies (Ep 59)The podcast is pivoting to focus on something I'm extremetly passionate about - alternative investments. 🎙️ As a Certified Financial Planner and independent financial advisor, I've witnessed the growing desire for investment strategies beyond the traditional stock market. Our revamped podcast aims to guide accredited investors toward alternative investment opportunities that diversify their portfolios while adding financial strategies not often seen in the marketplace. Here are three key takeaways: Explore Alternative Investments: Discover a plethora of investment opportunities, from hotels and self-storage to wine and car washes, which can diversify your portfolio and potentially yield exciting retur...2025-02-0415 minThe Unconventional InvestorGetting Started with The Unconventional InvestorAre you looking to expand beyond the stock market into alternative investments? The Unconventional Investor is the place for you. Hear what the show covers and if it's a match for you.2025-01-2001 minThe Unconventional InvestorPractical Budgeting Tips To Make Your Life Easier (Ep. 58)No matter how much you make, tracking your spending not only helps you feel better, but allows you to make informed decisions. A budget isn't there to cut costs or live like a miser, it's there so you know what's going on in your financial life. 3 takeaways from this episode: Focus on Large Items: Cars, homes, loans - keeping the cost of these items low, allows you to spend more freely in other areas. Embrace Financial Awareness - Track!: Use a software like YNAB (You Need a Bu...2024-11-2617 minThe Unconventional InvestorIRA Contribution Strategies: How You Need to Alter Your Retirement Savings After the SECURE Act (Ep 57)Thinking about leaving a legacy? The SECURE Act changed the rules for inheriting IRAs, potentially impacting your financial plans. Learn how you can change your savings strategy to minimize taxes for your heirs.What You'll Learn:The 10-Year Distribution Rule: Understand how the SECURE Act affects how beneficiaries access inherited IRA funds.The Power of Roth IRAs: Discover why Roth IRAs are even more important now for tax-free retirement income.Strategic IRA Withdrawals & Alternatives: Explore strategies like controlled withdrawals and life insurance to manage tax implications and secure your heirs' future.Related Episodes:...2024-11-1914 minThe Unconventional InvestorHow to Maximize Your Tax Savings with Employee Benefits - w/ Corina Delugos (Ep. 56)We've all seen that long list of options your employer hands you. Do you need all of them? Which ones are worth it? In this episode, Corina Vakira Delugos, MBA, EA talks to us about which benefits can save you in taxes - so you're spending tax-free money for your expenses. Corina is a financial services professional with over 25 years of experience in tax, mortgage, and insurance planning. Key Takeaways: Utilize Flexible Spending Accounts (FSAs) Wisely: Depend Care FSA : Set aside up to $5,000 pretax for child or dependent care.2024-10-2221 minThe Unconventional InvestorEssential Questions for Choosing a Tax Professional with Corina Delugos (Ep. 55)Have you had a hard time finding a tax preparer, or been less than happy with the match? Many people make the mistake of picking a tax advisor without asking the right questions, only to face unexpected bills or inadequate service when IRS issues arise. To help us navigate this, we have Corina Vakira Delugos, MBA, EA. Corina is a financial services professional with over 25 years of experience in tax, mortgage, and insurance planning. In this episode, Corina shares tips on the important questions to ask when choosing a tax professional—from understanding their qualifications and experience to...2024-10-1525 minThe Unconventional InvestorHow to Use a Backdoor Roth IRA for Retirement Savings (Ep 54)Have you written off Roth IRAs because of income limits? There's a legal way to max it out every year - the Backdoor Roth IRA. Get tax-free retirement growth and income with the Backdoor Roth IRA. Learn exactly how to do it (it's easier than you think) in this solo episode. We'll break down the benefits, legality, and even explore the Mega Backdoor Roth option.Listen now and discover how a Backdoor Roth IRA can boost your retirement savings. Ready to ditch the financial stress?Subscribe to the Podcast: pod.li...2024-10-0909 minThe Unconventional InvestorWhy You Need to Know About the Corporate Transparency Act w/ Shruti Gurudanti (Ep 53)Did you know the government now requires certain businesses to disclose their ownership? If you haven't filed your Beneficial Ownership Report (BOI) with the government, you need to listen to this episode! Shruti Gurudanti, a lawyer specializing in corporate and transactional law, joins me to explain the Corporate Transparency Act (CTA) and its impact on your business. In this episode, you'll learn: Who needs to file a BOI report (e.g., LLCs, corporations) How easy (and important) it is to file The consequences of non-compliance (penalties, licenses, etc.) File your BOI report here...2024-10-0116 minThe Unconventional InvestorYou're Doing Better Than You Realize: Encouragement (Ep. 52) Feeling overwhelmed by unrealistic expectations? This solo episode is close to my heart and all about reminding you that you're doing great just as you are. I discuss the pressure of social media and societal messages, especially when it comes to finances and lifestyle. Let's recognize your achievements, manage expectations, and appreciate the good in your life. Sit back, take a listen, and leave feeling more relaxed and grateful for what you have and have done! This episode is perfect for you if: You compare yourself to others on social media Feel discouraged by...2024-09-2409 minThe Unconventional InvestorMy New Favorite Financial Book: No Worries By Jared Dillian (Ep. 51) Ever feel overwhelmed by all the financial advice out there? For years, I haven't been able to recommend many books, but that changed with No Worries: How to Live a Stress-Free Financial Life by Jared Dillian. This book cuts through the noise with just three key principles to focus on, so you can forget the rest. It has easy-to-manage strategies you only need to check on once a year. In this episode, we discuss: Why most financial advice is overwhelming The 3 key principles to financial freedom Easy-to-implement strategies for long-term success Re...2024-09-1713 minThe Unconventional InvestorSave Thousands on Your Mortgage with Assumable Loans (Ep. 50)Tired of high mortgage rates? Assumable loans can help you buy a home at a lower interest rate. Join us as Mike Roberts explains the ins and outs of taking over someone else's loan. In this episode, you'll learn: How assumable loans can benefit both buyers and sellers in a transaction. Which loans are eligible to be taken over and how to do it. How assumable loans differ from subto or seller financing. Subscribe to the Me Financial Podcast to hear more and don't forget to leave a review! Follow Michelle on YouTube - htt...2024-09-1116 minThe Unconventional InvestorEp 50 - You're Doing Great: EncouragementSubscribe to the Me Financial Podcast to hear more and don't forget to leave a review! Follow Michelle on YouTube - https://www.youtube.com/@theunconventionalinvestor Follow Michelle on Instagram - michelle.e.moses Visit the Me Financial Website - www.mefinancial.net Disclaimer: The information provided in this podcast is for general informational purposes only and should not be construed as professional financial advice. Always consult with a qualified financial advisor or professional before making any financial decisions. The hosts and guests of this podcast are not responsible for any actions taken based on t...2024-09-0309 minThe Unconventional InvestorHow to Use Creative Legal Strategies to Invest in Real Estate w/ Scott Royal Smith (Ep 49)Have you ever wondered how real estate investors protect their properties from lawsuits? Join us as we explore high-level asset protection strategies with Scott Royal Smith, an experienced real estate investor and attorney. In this episode, you'll learn: How to purchase properties anonymously within a company structure to minimize lawsuit risks. The importance of compartmentalizing assets to protect your investments. How to simplify your taxes through disregarded entities. Subscribe to the podcast to hear more and don't forget to leave a review! Follow Michelle on YouTube - https://www.youtube.com/@theunconventionalinvestor Follow Michelle on...2024-08-2031 minThe Unconventional InvestorInvest in Hotels as an Alternative Investment: Peachtree Hotel Group (Ep. 48) If you're tired of simply choosing between stocks and bonds for your investments, I have an alternative. Investing in hotels can bring stability and growth, and Peachtree Hotel Group is a leader in the industry. In this episode, we talk hotel investments with Peachtree Hotel Group. Brian Dunn, Managing Director, discusses how Peachtree builds, finances, and operates top-tier hotels. We discussed their approach - focusing on premium brands like Hyatt and Marriott, and how they mitigate economic challenges. Key Takeaways: Vertically Integrated Model: Peachtree's comprehensive business model, encompassing development, financing, operations, and sales, enables th...2024-08-1328 minThe Unconventional InvestorStrategies to Prepare Your Business for Sale with Laurie Barkman (Ep. 47)Are you looking forward to selling your business, and doing it for top dollar? Learn how to maximize your business's value and achieve a smooth exit. In this episode, we get into business valuations, exit planning, and the importance of financial readiness for a successful sale. Laurie Barkman, the Business Transition Sherpa™, shares insights on protecting your business, setting growth goals, and understanding the different perspectives of strategic and financial buyers. Key Takeaways: Start Early and Plan Ahead: Begin your exit planning process at least 10 years before your desired sale date to maximize your re...2024-08-0632 minThe Unconventional InvestorEp 46 - Creating Financial Intimacy in Your RelationshipsIf you and your partner/spouse have difficulty talking about money, this episode is for you. Ed Coambs, CFP® and Certified Financial Therapist shares tips on ways to truly hear what your spouse is saying and find a way forward in financial conversations. Key Topics - Common issues: judgment, criticism, and fear in money discussions Understanding your partner’s family background Review of the four attachment patterns: their characteristics and impacts Techniques for improving communication and connection Join us to learn how to foster financial intimacy and strengthen your relationship through better financial conversations. Su...2024-07-2335 minThe Unconventional InvestorEp 45 - Using Self-Directed IRAs to Invest Outside the Stock MarketIn this episode, we explore the basics of self-directed IRAs and how they work. Discover the wide range of investments you can make, from hotels and self-storage units to real estate and even businesses. Self-directed IRAs are less complicated than they seem and align perfectly with my philosophy of investing beyond the stock market. Join me as I break down the essentials and show you how to diversify your investment portfolio. We cover - Impact of tax status on control over IRA funds Overview of alternative investments not available through traditional c...2024-07-1613 minThe Unconventional InvestorEp. 44 - Tricks & Tips to Maximize Your Social SecurityAre you wondering when to take Social Security and how to maximize your benefits? In this episode, I talk with retirement planner, Greg Kurinec, CFP®, MRFC® about strategies to get the most from your Social Security benefits. Greg, explains the decision-making factors for taking Social Security early or delaying it, emphasizing the need to consider health, life expectancy, and employment status. We also cover: Utilizing pre-tax accounts to bridge the gap before claiming Social Security at age 70. Conversion of pre-tax accounts to Roth accounts. Potential reforms to preserve Social Security. Subscribe to...2024-07-0928 minThe Unconventional InvestorEp. 43 - Legal and Financial Tips for Buying Commercial Real EstateConsidering investing in commercial real estate for your business? Learn the pros and cons of owning vs. renting for your business needs. Mandi Hunter, the founder of Kansas City's first full-service standalone real estate law firm, Hunter Law Group, joins us to share her knowledge. Key Topics: Timing: Considering interest rates, cash flow, and business growth stages before making a purchase. Due Diligence: Understanding the importance of thorough due diligence before buying commercial real estate. That means getting your surveys, appraisals, environmental assessments, and title work done right. Legal Contracts: What legal co...2024-06-2528 minThe Unconventional InvestorEp. 42 - Creative Real Estate Financing: Syndication, Passive Income, and Mortgage Funds"Creative real estate is anything where you're not putting 20% down with a 30 year mortgage found in the MLS." The truth is, you don't need to be a millionaire to turn real estate into a wealth-building tool. Today, we're talking details on real estate financing - both for aspiring investors and those looking for alternative investment opportunities! Our guest is real estate investor and private money lender Kevin Amolsch. With over $750 million in closed loans, Kevin has a wealth of experience to share on financing strategies for all types of properties. In this episode, you'll learn:2024-06-1829 minThe Unconventional InvestorEp. 41 - Investment Idea: How Tech is Changing the Affordability of ApartmentsWe hear every day about the increasing cost of housing. But what if there was a way to live in a beautiful, tech-integrated apartment without breaking the bank? Norhart Real Estate Investing is changing the game by building affordable, high-quality apartments with a unique, vertically-integrated construction process. Join us as we chat with CEO, Mike Keating about Norhart's mission to help people live better lives and increase the housing supply, one apartment at a time. We'll explore their innovative building methods, how they're keeping costs down, and how you can be a pa...2024-06-1135 minThe Unconventional InvestorSolutions for Millennials and Gen Zers Saving for Retirement with Anne Lester (Ep 40)Struggling to save for your dreams? Financial freedom might not be about that fancy car. In this episode, we chat with award-winning investor and author Anne Lester of "Your Best Financial Life: Save Smart Now for the Future You Want." We'll: Redefine financial freedom and explore how to achieve it on your terms Learn mind tricks to boost your savings Discuss money insecurities that perpetuated by social media Learn steps to feel empowered on your financial journey - no matter your age! If you enjoyed today's episode, share it with your circle, and don’t fo...2024-06-0437 minThe Unconventional InvestorEp. 39 - Turn Knowledge into Action: Strategies to Make Financial Books StickDo you feel like self-help books go in one ear and out the other? You're not alone! Millions struggle to implement the amazing tips and tricks they learn from non-fiction books. What if you could turn those "aha!" moments into lasting changes? In this episode, Nick Hutchinson, author of 2024-05-2827 minThe Unconventional InvestorEp. 38 - How Franchises Can Be Used For Building WealthThink you can't afford a franchise? This episode shows us how $50,000 can open the door to business ownership. Greg Mohr, a franchising expert and Wall Street Journal best-selling author joins us to share the details of buying or starting your own franchise. I think you'll be surprised by how easy it is to get into franchising and the support you’ll receive throughout the process.
From discovering which industry is right for you, to funding, marketing and even scheduling clients - there are systems to help you succeed in a new or existing franch...2024-05-2131 minThe Unconventional InvestorEp. 37 - Luxury AirBnbs: Why They're a Good InvestmentDid you know more families are spending 3xs more on luxury vacation rentals, seeking unforgettable experiences? In this episode, Ross Greenberg, Realtor® and owner of Luxury Cash Flow shares his secrets to success in the high-end rental market. We talk in detail about: What to look for when purchasing a property How to on-board with amenities that elevate your listing How to find the perfect manager to keep your investment running smoothly There are so many surprising, and new stats in this episode, be sure to subscribe to hear more! If you enjoyed today's episode, sh...2024-05-1439 minThe Unconventional InvestorEp. 36 - Supporting Newly Single Women on Their Journey to Financial IndependenceRachael Burns, CFP and Certified Divorce Financial Analyst joins me to discuss ways to prepare yourself if you find yourself on your own. We talk about: How spiking interest rates have complicated divorce settlements, especially when dealing with real estate. Creative living arrangements like 'nesting'. How you can always be prepared just by being involved in the finances regularly. Rachel will tell us why fixating on to the family home might not always be the best financial decision in a divorce, and why sacrificing retirement savings to keep a house might lead to regret. 2024-05-0737 minThe Unconventional InvestorEp. 35 - From Hotels to RV Parks: The Ins and Outs of Alternative InvestmentsAre you looking to diversify outside the stock market? Alternative investments might be the answer you're looking for. Investing in buildings, apartments or even employee stock options aren't just for the ultra-wealthy, you can have access to these funds from almost anywhere. In this episode, I explain how alternative asset funds work and how they can be added to your portfolio to reduce volatility. I also cover: - How to do your due diligence on these investments - Strategies and considerations for individuals - Litmus tests you can have w...2024-04-3029 min
Age BlindEp. 29 - Show Me the Money, Honey! $$ After 50Along with sex, food, and religion, money is often a topic of shame and confusion for many people. As we age, we think about our financial situation in a different way from our youth. Michelle Evard-Moses, CFP talks about the role of money in our lives, eliminating the stress surrounding it, and questions we should ask ourselves as we travel beyond 50. (Please consult your own financial advisor for specific recommendations; this is intended just as a discussion of values and best practices.)2024-04-3030 minThe Unconventional InvestorEp. 34 - An Investment Strategy to Create Passive Income: Infinite BankingEarning money in two places at once sounds too good to be true, but if structured correctly, that's exactly what you can do with something called Infinite Banking. We talk about this alternative investment strategy with Chris Miles, of Money Ripples. Chris is a leading authority teaching entrepreneurs and professionals how to get their money working for them today.
We explain what the Infinite Banking method is, why Chris started down this path and how he’s able to create flexibility in people’s lives to give them financial freedom. Key Takeaways: - How...2024-04-2337 minThe Unconventional InvestorEp. 33 - Shhh! How to Privately Buy Real EstateWant to buy real estate privately? There are ways to increase anonymity, but it's important to be aware of limitations. Grant McKeehan joins us to explore strategies like LLCs, understand why trusts might not be the answer, and navigate the legal landscape.
🔑 **Key Takeaways:** -Learn how LLCs can offer anonymity for property ownership, especially in certain states. - Discover the limitations of privacy due to public record-keeping and the importance of consulting legal professionals. -Understand the difference between member-managed and manager-managed LLCs for optimal privacy and control. 📈 Take your real...2024-04-1642 minThe Unconventional InvestorEp. 32 - Avoid Wearing Black Socks with Sandals & Learn to Live Your Life!We often think of turning off working and turning on the fun when we think of retiring. Jeff Kikel, of Freedom Day Planning, wants us to think of it differently. In this episode, we talk about re-thinking retirement from taking 4% of your portfolio to creating streams of income to support your lifestyle.
Jeff shares the exact steps he follows to get there and some ideas he and his clients have employed. If you enjoyed today's episode, share it with your circle, and don’t forget to leave a review! Contact Jeff Kikel Follo...2024-04-0941 minThe Unconventional InvestorEp. 31 - Should You Leave Annuities in the Dust? How & Where to Use Them.Annuities get a bad rap, but are they truly in the "do not use" zone? In this episode, Michelle discusses the different types of annuities and how they can fit into your financial plan. You'll Learn: -The various types of annuities and their functionalities. -How annuities can be structured to benefit your retirement goals. -Real-world scenarios where annuities might be a good fit. -Michelle's honest perspective on using annuities with clients. This episode is for you if: -You're nearing retirement and exploring income options. -You're curious about...2024-04-0220 min
The Unconventional InvestorEp. 30 - Real Estate Title Fraud: How to Keep Your Property SafeDid you know that real estate fraud happens daily? And it happens to very intelligent and savvy homeowners. In this episode, Tanner Herrick, EVP of Premiere Title, talks to us about the tactics criminals are using - from hacking email accounts to listing frauded properties for sale on Zillow. Learn how to prevent wire fraud, deed fraud, and other sophisticated real estate scams. Key Takeaways: Diligence: How to be thorough in reviewing documents and communications with your title company. Using Google Alerts: How to set up alerts for your properties to monitor s...2024-03-2623 min
The Unconventional InvestorEp. 29 - Making Money a Positive and Empowering ExperienceAre you struggling in making changes with your money? Join me as I share practical tips to help you shift your mindset and feel better about your finances. Learn how to align your money with your values, make mistakes and learn from them, and protect your mindset from negative influences. Key Takeaways - Recognizing and avoiding blaming others for your finances. How to act in ways that reflect your future/dream self. How making mistakes are a natural part of financial growth. Recognizing the biases and dishonesty in online money-related content. Follow Michelle on...2024-03-1923 min
The Unconventional InvestorEp. 28 - Managing Your Stock Options: From ISOs to NSOsConfused by stock options? Do you worry about how to maximize them? Jared Van Arsdale, CPA , partner at Ullman & Co., P.C. joins us to explain what stock options are and the tax implications of each one. Key Takeaways - A simple mindset trick so you know when to exercise your options. If holding your options for the long haul is the right move. Understand the different types of stock options and how they vary. The tax treatment of each stock option type. We cover restricted stock options, non-qualified, restricted stock units and op...2024-03-1238 min
The Unconventional InvestorEp. 27 - FDIC Insurance & Protecting Your Accounts: Insured vs. Uninsured DepositsHow do you ensure your money is as safe when a bank collapses? Why is diversification key in your banking portfolio? And what exactly does the repo window have to do with bank's solvency? In an industry where 47% of deposits are uninsured and recent failures like Silicon Valley Bank have shaken confidence, we discuss the important role of the FDIC in monitoring, auditing, and deciding the future of banks. We talk about the different account types, from joint to trust accounts, and the changes in trust law that might affect your coverage. Key...2024-03-0532 min
The Unconventional InvestorEp. 26 - Laundromat Ownership: Is This Passive Business For You?The mortgage broker who pivots to create different streams of income! Jud Holmes, an established mortgage broker, saw a downturn coming and sought to purchase a coinless laundromat for more passive income. He takes us through his eye-opening experience of researching, purchasing and his first year running his coinless laundromat. From searching bizbuysell.com to discovering the profitability of laundromats, Jud discusses the different kinds of business structures, what to look for when reviewing a business and how they can fit your lifestyle. Is this income stream for you? We discuss: The SBA loan pr...2024-02-2740 min
The Unconventional InvestorEp. 25 - Do You Need a Property Manager? Stories of Being a LandlordWe sit down with property manager, Howard Rudin, Realtor®, to talk about the details of being a landlord. Even if you think you can handle it all, Howard talk about the tasks, laws, and potential pitfalls you might not be aware of. A property manager can handle: Tenant Relations: From finding ideal tenants to managing complaints and enforcing lease agreements, learn how property managers free up your time and minimize headaches. Legal Compliance: Hear about the Landlord-Tenant Act, eviction procedures, and local regulations. Howard explains what and how property managers manage these situations and the laws y...2024-02-2041 minThe Unconventional InvestorEp. 24 - My Honest Opinion About Life Insurance & the Different Ways to Utilize itAre you confused by the different messages you receive about life insurance? Learn how life insurance can fit into your financial plan, whether it's a smart investment or something you should bypass. I give you the low down on life insurance in this episode - What the different types of life insurance are and how they work How I use policies in my financial planning Terms and phrases like "Indexed" and "Participation Rate" to look out for when shopping Where to shop for insurance There is no one-size-fits-all to any financial product, I hope you...2024-02-1320 minThe Unconventional InvestorEp. 23 - Finding Happiness with Your Current Income Through Financial CoachingMany individuals earning six-figures struggle to make ends meet. Join us with financial coach, Ericka Young, as we explore why this happens, the stress that can come with increased income, and solutions to alleviate financial challenges. We also speak to the benefits of implementing a coaching program in the workplace. Discover how this not only aids employees in managing their finances but also contributes to employee retention. Ericka's Young's Website Follow Ericka on Instagram @erickayoungofficial Follow Me on InstagramMe Financial Website If you enjoyed today's episode, share it with your circle and le...2024-02-0643 minThe Unconventional InvestorEp. 22 - Adding a Retirement Plan to Your Business: Which One Is Right For You?If you're a business owner wanting to maximize tax savings, exploring retirement plans could be a good fit. We have Sara Johnson, QKA®, AIF®, CPFA®, a specialist in this field, here to guide you on when, how, and what type of plan aligns with your goals. This might be the best time to start a plan! Numerous tax credits are available to start your retirement plan in 2024/25– someting that has never been offered before. Throughout our discussion, we weigh the pros and cons of each plan, assisting you in identifying which plan to choose. Implementing a reti...2024-01-3044 min
The Unconventional InvestorEp. 21 - Creative Ways to Purchase Real Estate (Including Rentals)If you’re worried you won't be able to purchase real estate in the current environment, this episode may give you hope! Jeff Ohm, Managing Partner of Forward Loans, shares creative ways people are purchasing real estate. We start by looking at VA loans for veterans, move on to buying down mortgage rates, and conclude with loans based solely on rental income—options that may require minimal down payments. Some of these options are very creative! I hope you learn something new. Contact Jeff Ohm Follow Jeff Ohm on Instagram, or...2024-01-1631 minThe Unconventional InvestorEp. 20 - A Financial Advisors Most Frequently Asked QuestionsIn this episode, I address my most frequently asked financial questions. Join me to find the answers to questions that keep you up at night! What should I do with my cash? This is by-far my most asked question and changes depending on the market conditions. Finding a good CPA Health Insurance - are there cheaper options out there? Buying a car and getting the best rate on your loan - listen in to hear how to get a low rate AND cut your time at the dealer. Should you loan or invest with a friend or family...2024-01-0220 minThe Unconventional InvestorEp. 19 - Credit Strategies for People With Perfect CreditEven if you're well versed in credit scores, you'll learn something new in this episode! Credit expert, Patrick Ritchie, joins me to talk about ways people unknowingly hurt their credit, ways you can easily fix it and even a free government resource for rapidly fixing issues when credit card companies are unresponsive. Join us for our deep dive on credit and it's impact on the different facets of your life. Links mentioned in the episode - www.consumerfinance.gov www.optoutprescreen.com Patrick Ritchie's Website Follow me on...2023-12-1955 minThe Unconventional InvestorEp. 18 - The Business & Lifestyle of a Fitness InfluencerIf you've wondered about the life of an online influencer, this episode is for you. Andrea Barkley, a fitness trainer and influencer, talks about building her online audience while balancing her existing business & motherhood. Learn Andrea's income diversification strategies across training, nutrition, and influencing, as well as her productivity methods for squeezing in work amidst raising little ones. Andrea Barkley's Website Follow Andrea on Instagram Follow me on Instagram Me Financial Website If you enjoyed today's episode, share it with your circle, and don’t forget to leave a review! Di...2023-12-1248 min
The Unconventional InvestorEp. 17 - Do You Need a Financial Advisor?Wondering if you need help managing your money? I break down the different financial planner options that might match your situation and budget. In today's online world, there are more options than ever. You can choose to teach yourself, or go fully onboard with an advisor. I give examples of who needs an advisor and when you may be able to simply pay for a consult. Follow me on Instagram Me Financial Website If you enjoyed today's episode, share it with your circle, and don’t forget to leave a review! Di...2023-11-2820 minThe Unconventional InvestorEp. 16 - Mortgage Options for the ElderlyAs people age, financial goals change. People often wonder how they can get the money out of their house, or, how to have as low of a monthly payment as possible. Michelle Moses is joined by Jud Holmes, mortgage broker, to discuss mortgage options tailored specifically for seniors (62+). They discuss everything from reverse mortgages, paying off your house, to the benefits of family opportunity mortgages. Jud Holmes's Website Follow me on Instagram Me Financial Webiste If you enjoyed today's episode, share it with your circle, and don’t forget to leave a review! Discla...2023-11-1427 minThe Unconventional InvestorEp. 15 - S-Corp Status for Your BusinessIf you have your own business and earn over $50k, you'll want to listen to this episode. Electing an S-Corp tax status for your LLC might save you thousands in taxes. Michelle Moses, CFP® and Jared Van Arsdale, CPA discuss the complexities and benefits of electing an S-Corp status. Key Takeaways - Who makes a good candidate for this election and how to do it. Once elected, logistical items to consider. Form 2553 for S-Corp Election on IRS.gov Jared Van Arsdale's Website Follow Michelle on Instagram- michelle.e.moses...2023-10-3131 minThe Unconventional InvestorEp. 14 - Controlling Your Wealth: Wills, Trusts and Estate Planning Have you wondered if your estate planning documents are enough? Or, what kind of documents might be best for your situation? Grant McKeehan Trust & Estate Attorney, joins us to share his experience and expertise about wills, trusts and how to pass your wealth on to your heirs in the most efficient way possible. Key Topics: The advantages of having a trust over a will The new changes brought about by the Secure Act for your inherited IRAs Gifting strategies to reduce your taxes The different estate planning documents and what they do From c...2023-10-1756 minThe Unconventional InvestorEp. 13 - Financial Decisions: It's Not Just About The NumbersYour emotions have more to do with your money than math or any spreadsheet you'll create. Like food, money is deeply tied to our emotions and beliefs. In this episode, Michelle talks about why you shouldn't just use numbers when making financial decisions. It's often about what's happening in your life, or simply just enjoying life. Listen in to hear how Michelle helps her clients with this topic. Key Takeaways: When to make financial decisions Ways to overcome hopeless, bad or negative feelings Staying positive and gaining the essense of what you're looking for 2023-10-0314 minThe Unconventional InvestorEp. 12 - How I Plan My Clients for Retirement with the "Bucket" MethodMichelle explains the method behind her "Buckets" approach to spending money in retirement so you can be stress free! She shares actionable steps on how to position yourself to easily transition to retirement and ease your worry while you're there. Follow Michelle on Instagram Me Financial Website If you enjoyed today's episode, share it with your circle, and don’t forget to leave a review!
Disclaimer: The information provided in this podcast is for general informational purposes only and should not be construed as professional financial advice. Always consult with a qualifi...2023-09-1920 minThe Unconventional InvestorEp. 11 - How to Pursue Your Dreams & Have Financial SuccessHave you ever thought something was unattainable? Today we’re talking about taking steps towards the things you most want in life. From house flipping ventures to business growth, Michelle Moses shares the beauty of chasing what ignites our souls. Listen in for real-life stories, challenges, and the magic of pursuing what truly matters. Follow Michelle on Instagram Me Financial Website If you enjoyed today's episode, share it with your circle, and don’t forget to leave a review!
Disclaimer: The information provided in this podcast is for general informati...2023-09-0529 minThe Unconventional InvestorEp. 10 - AI and the Financial World: How it May Affect UsThe financial world is expanding and starting to touch our everyday lives. In this episode, we talk about the impact of AI on the financial industry and how it will change how we operate. Will AI allow us to invest automatically? Will it create more financial products or eliminate the need for financial advisors? Michelle and Andy Woodward talk about advancements in technology and how AI is shaping the way we trade, manage finances, and even manage the real estate market. Key Takeaways: AI and changing how we make investment decisions - It can he...2023-08-2234 minThe Unconventional InvestorEp. 9 - Understanding the Impact of the Federal Reserve on Your Daily LifeFrom money market accounts to mortgages, and even commercial debt margins, the decisions made by the Federal Reserve can significantly influence our financial lives. Understanding their objectives and how they manipulate interest rates is essential for anyone looking to make informed financial decisions. Andy Woodward, banking and software expert, joins me to discuss how the Fed's decisions affect most of our financial products and decisions. Follow me on Instagram Me Financial Website If you enjoyed today's episode, please share it with your circle and leave a review! Disclaimer: The inf...2023-08-0836 minThe Unconventional InvestorEp. 8 - Setting Yourself Apart in The Airbnb Market: Niche AirBNBsWant to create an Instagram-worthy space for Airbnb guests? Join Michelle and guest Kara, Airbnb Host, as they discuss the world of standing out and creating your unique niche in the short term rental space. They talk remodeling, tools you can use to enhance and run your rental and secrets to their real estate success. Learn how Kara sets herself apart to get both business and individual bookings. Kara’s Airbnbs Follow me on Instagram The Me Financial Website If you enjoyed today's episode, share it with your circle, and...2023-07-2531 minThe Unconventional InvestorEp. 7 - What I’m Invested In as A Financial AdvisorInvesting made simple! Michelle Moses breaks down the investments she’s invested in and the mindset behind it. From asset allocation to diversification, Michelle shares her experiences with crypto, retirement savings, life insurance and alternative investments like hotels, apartment complexes, and self-storage units. Follow me on Instagram Me Financial Disclaimer: The information provided in this podcast is for general informational purposes only and should not be construed as professional financial advice. Always consult with a qualified financial advisor or professional before making any financial decisions. The hosts and guests of this...2023-07-1136 minThe Unconventional InvestorEp. 6 - Making Sense of CryptocurrencyGain a better understanding of the potential of cryptocurrency, and how it may impact your financial future. Michelle Moses, CFP® is joined by Andy Woodward, a software developer and architect with over 30 years of experience in the financial technology sector, including cryptocurrency development since 2016. We talk about cryptocurrency, what it is and why it's valuable. Key takeaways: Cryptocurrency has a value ascribed through society's agreement, similar to traditional forms of commerce Digital cryptocurrency offers advantages, such as ease of transfer across borders Cryptocurrency provides a viable means of compensation and economic opportunity in third w...2023-06-2054 minThe Unconventional InvestorEp. 5 - Uncovering Your True Desires When Making Financial and Real Estate DecisionsThis week, Michelle Moses, CFP® is joined by Shalyn Kearney and Padraic McDonald, both licensed Realtors®, to explore how to get to the bottom of what you desire, when making decisions. Many times we “think” we want something, but when it comes time to purchase, we choose something entirely different. Listen to see how emotions intertwine with financial decisions - especially when it comes to real estate. Me Financial Website Shalyn Kearney Padraic McDonald Walt Danley Local Luxury Real Estate Disclaimer: The information provided in this podcast is for general informational purposes only and s...2023-06-1422 minThe Unconventional InvestorEp. 4 - The Art of Alternative Investing: Choosing the Right Investment for You Certified Financial Planner, Michelle Moses explores the world of alternative investments with guest Chrissa Michelle, a commercial mortgage lender. Join them as they explore options like commercial properties, crowdfunding, and unique ventures. Gain insights on diversifying your portfolio for financial growth. Me Financial Chrissa Michelle 2023-06-0626 minThe Unconventional InvestorEp. 3 - Mindful Thoughts for a Healthier Relationship with MoneyIt's time to rethink your relationship with money. We all feel guilty about it, no matter how much we have. But instead of judging others for their wealth or feeling jealous of them, let's focus on finding positive qualities in them. Join Michelle as she talks about the topic of guilt around money, highlighting its universal presence regardless of financial standing. From major expenses to everyday matters, such as shopping and providing for children, this episode explores the profound influence of money on our overall lifestyle. If you enjoyed today's episode, share it with your...2023-05-3017 minThe Unconventional InvestorEp. 2 - How to Stay Sane and Build a Business You Love This episode is all about starting and maintaining a successful business while keeping yourself sane and motivated. Chrissa Michelle and I talk about the importance of identifying and prioritizing the approaches that work best for you and your business, rather than comparing yourself to others. Having a supportive network of fellow entrepreneurs is crucial in keeping you motivated and focused. It's okay to have bad days, but important to bring it back to why you started your business - whether it's for money or freedom of time. Follow me on Instagram The M...2023-05-1636 minThe Unconventional InvestorEp. 1 - What Me Financial is All AboutIn this episode, I give you a sneak peek into what you can expect from the show. From shows done by Michelle only, to interviews with guests, I hope to inspire your financial journey with unconventional investment strategies to help you get to the next level. Join us by subscribing and following along! Follow me on Instagram Me Financial Disclaimer: The information provided in this podcast is for general informational purposes only and should not be construed as professional financial advice. Always consult with a qualified financial advisor or professional before making any financial decisions. The hosts and guests of t...2023-05-0906 minThe Unconventional InvestorMe FinancialA sneak peek of what's ahead...2023-02-1500 min