If you don’t have a financial plan, you have a problem, you just don’t know it yet. Eric Kearney and advisor Joseph Lanza break down why planning gets delayed and show how to turn time, taxes, and income into a strategy you can actually live with.Call us for a complimentary review with Retirement Wealth Advisors: 601-THE-FARM or visit https://farmtruckfinancial.comWelcome to Farm Truck Financial, where wisdom and wealth ride shotgun. In this highlight, Eric Kearney (President, Retirement Wealth Advisors) and investment advisor Joseph Lanza dig into “Procrastination Nation”: why so many people postpone retirement planning and what it really costs.You’ll learn:• Why starting in your 50s expands your options• How a plan prevents emotional, reactive decisions• What belongs in a real financial plan (income, taxes, inflation, healthcare, survivor scenarios)• How to replace your paycheck in retirement—strategically• Why “every day is Saturday” means your spending won’t just dropCouples segment: get on the same page, reduce stress, and make sure the surviving spouse is protected and confident.Ready to see your numbers?Complimentary review with Retirement Wealth Advisors: 601-THE-FARM • https://farmtruckfinancial.com

Fort Myers favorite Cibo has been serving scratch-made Italian for over two decades—and Chef Sean Deckter spills exactly how they keep guests coming back. From bolognese-layered lasagna to U10 scallops and house-made desserts, this is a love letter to local food done right.Book your table at Cibo and treat yourself! (239) 454-3700 or visit https://www.cibofortmyers.com/ for more informationIn this Farm Truck Financial local spotlight, Eric sits down with Chef Sean Deckter, a Fort Myers native who’s spent 21 years at Cibo Restaurant. Sean shares his first job story at Juicy Lucy’s, why Cibo’s “scratch kitchen” ethos matters (fresh sauces daily, hand-rolled meatballs, pounded veal, cut-in-house fish), and how the bar program—especially those famous chocolate and espresso martinis—has become a destination of its own.You’ll also hear about Cibo’s signature plates like the shrimp & scallops spadini over sweet pea and prosciutto risotto with lemon beurre blanc, plus the fan-favorite lasagna built on a slow-simmered bolognese. Beyond the plates, this episode is about people: long-tenured staff, multigenerational regulars, and the front-of-house hospitality that makes every visit feel like home. If you love genuine, from-scratch Italian and a room full of familiar faces, this one’s for you.

Former Senior Advisor to the Under Secretary of Commerce, Mike Razavi, breaks down patents, trademarks, copyrights, and why IP matters for your wallet—and America’s security. This is your clear, real-world guide to protecting ideas and turning innovation into income.Learn More about Mike Razavi and his company IP Consulting Group: www.ipconsultinggroups.comBook a farm-fresh second opinion with Eric Kearney and Retirement Wealth Advisors to build a plan that protects your wealth—and your intellectual property roadmap.On today’s Farm Truck Financial, Eric Kearney sits down with intellectual property expert Mike Razavi (former Senior Advisor to the Under Secretary of Commerce) to demystify patents, trademarks, copyrights, and trade secrets. You’ll learn what IP actually is, how long protection lasts, why patents can be worth billions, and how AI is accelerating filings and reshaping review at the patent office. We also connect the dots between IP strategy, business value, and national security, including why certain patents are kept out of the public eye.What you’ll learn:The difference between trademarks, copyrights, patents, and trade secretsWhy patents matter for entrepreneurs, retirees with side businesses, and investorsHow licensing works (and typical royalty ranges)Historic IP milestones (first U.S. patent to 10,000,000+)How AI is driving a surge in applications—and how examiners may use AIWhy IP affects GDP and America’s competitive edgeIf this conversation sparks questions about your retirement plan, business, or how to align your IP strategy with your financial plan, connect with Eric Kearney and the Retirement Wealth Advisors team for a personalized review.