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.

Melissa from Sweet Melissa’s shares how a love of cooking turned into a 24-year career, a Sanibel institution, and a resilient comeback after Hurricane Ian. From culinary school in NYC to a 2019 “Best Chef: South” semifinalist nod and her famous fish stew and goat-cheese cheesecake—this highlight is a love letter to SWFL grit and great food.Check out Sweet Melissa's Restaurant at https://www.sweetmelissasrestaurant.com/Subscribe to Farm Truck Financial and support local restaurants across Southwest Florida—plan a visit to Sweet Melissa’s near Summerlin & Bass by HealthPark.In this Farm Truck Financial highlight, we sit down with Melissa of Sweet Melissa’s Restaurant to talk passion, perseverance, and plates you’ll never forget. She opens up about swapping law school for culinary school at the French Culinary Institute in New York, building a 15-year following on Sanibel, and the heartbreaking losses from Hurricane Ian. After navigating devastation—on the heels of past experience with Katrina—Melissa and her husband bootstrapped a new location near HealthPark in Fort Myers, reopening in record time with the community’s support.We dig into the menu, from her most-requested fish stew (chorizo-tomato-saffron base, local fish, mussels, clams, shrimp, scallop, finished with Pernod aioli) to the fan-favorite goat cheese cheesecake topped with local honey and pistachios. Melissa also reflects on the adrenaline of a busy kitchen, the creative process that keeps her inspired, and the honor of being named a 2019 semifinalist for “Best Chef: South.”If you love stories of local resilience and chef-driven cuisine, this conversation is for you. SWFL rebuilds together—go show Sweet Melissa’s some love.

On this ride, Eric Kearney and Donna Krohn break down the “big, beautiful bill,” clear up Social Security tax myths, and show how real planning (not headlines) protects your personal economy. If you’ve wondered about senior deductions, clean-energy credit changes, or when Roth conversions make sense, this episode connects the dots—simply and practically.

Call us today at 601-THE-FARM or visit https://farmtruckfinancial.com

A near-fatal aortic dissection. A family’s future on the line. Bruce shares how quick action—and having a real financial plan—brought calm in a crisis.
This is the episode everyone you love should see.

Book your farm-fresh second opinion: https://FarmTruckFinancial.com

On today’s ride, Eric Kearney (President, Retirement Wealth Advisors) sits down with Bruce Butcher to unpack the moments leading up to his emergency, the surgery that saved his life, and the surprising peace that came from knowing his family was protected. We also talk about why “cookie-cutter” portfolios miss what matters, how to choose an advisor who actually listens, and why procrastination is one of the most expensive habits in retirement planning.

If you’ve ever thought “I’ll deal with it later,” this episode is your nudge to act now... on your health and your wealth.

Pilates isn’t just a workout—it’s a plan for tomorrow. Eric Kearney sits down with Angela Bayne to explore how Pilates builds core strength, posture, and stability as we age—so we can actually enjoy the retirement we’re planning for.

On today’s ride, Eric Kearney welcomes Pilates enthusiast and women’s health advocate Angela Bayne to talk about practical ways Pilates supports healthy aging—core strength, posture, balance, mobility, and the “mind-body hour” that calms the chaos. Angela also shares her journey from saver to investor and how building an income plan reduced anxiety about rising costs like HOAs, assessments, and healthcare.

What you’ll learn

• Why Pilates’ focus on core stability supports posture, balance, and everyday mobility

• The reformer, breathing, and proper form—and why instruction matters

• How strength + flexibility help reduce fall risk and keep you independent longer

• A simple financial takeaway: don’t let cash sit idle when inflation is rising—pair your portfolio with an income plan built for real life

Planning for retirement often feels overwhelming. Between complicated financial jargon, endless opinions on social media, and the ups and downs of the stock market, many people find themselves paralyzed, unsure of where to start. On this episode of Farm Truck Financial, Eric Kearney, President of Retirement Wealth Advisors, is joined by financial advisor Joseph Lanza to break down these challenges in a way that everyday investors can understand.

Eric explains the idea behind Farm Truck Financial: a show rooted in authenticity and practicality. Instead of leaning on Wall Street jargon, the focus is on connecting real financial strategies to the everyday lives of people who want a comfortable retirement. As Eric says, “I’ve never been a suit-and-tie guy.” The farm truck symbolizes a grounded, straightforward approach that makes finance less intimidating.

A Different Approach to Finance