“My journey began in my grandfather's workshop, igniting a passion for invention and financial empowerment. Today, I dedicate my life to helping others achieve financial independence.”

Navi Dowdy is a:

• Certified Tax Specialist with over four decades of experience
• Developer of the Smiling Retiree Process, aiding millions in achieving tax-free retirement income
• Speaker at prestigious venues including Harvard Business Expert Forum and NASDAQ
• Featured in the documentary The Retirement Deception
• Author of Tax Secrets for the Smiling Retiree

Navi helps successful Baby Boomers pay less taxes and maximize their income.

When I was young, my parents taught me a great work ethic and I delivered papers, delivered fruit, mowed lawns, bailed hay, pumped gas, etc. After college, I found myself fascinated by investment books. I saw the possibility of real estate investment as a way to become independent. I finally worked up the courage to jump careers. I started small brokering duplexes and worked up to building 32 units. I got my first investment designation the CCIM, Certified Commercial Investment Member, and learned much more investment theory. I became the go to guy for people who wanted to put money into real estate investments. I taught continuing education for realtors and learned all about the fabulous tax savings that real estate afforded.

By the early 1980's I had the idea that rather than paying 16% at the bank to develop a building, why not just buy the bonds and earn the 16% myself. Much simpler. So I started buying bonds. As a result I started working with many retired people and learning the unique needs of people who no longer got a paycheck. Financial planning was just starting, and I became a CFP, Certified Financial Planner. I taught classes and mentored other aspiring CFP’s as well as continuing education for bank managers, CPA’s and attorneys. I also became an Enrolled Agent so that I was able to represent tax payors before the IRS. I felt the need to learn how to analyze the balance sheets and navigate the treacherous grounds of accrual accounting, so I became a CFA, Chartered Financial Analyst. Although I’ve earned many credentials and designations, now all that I maintain is the CTS, the Certified Tax Specialist.

I now bring together the world class team of specialists to solve client’s issues, most frequently how to save significant amounts of income, capital gains and estate taxes. And probably biggest of all, the massive built-in tax on retirement accounts.

If I could summarize all of this into one lesson, it is that when people retire, they need to do is make the change from accumulation to distribution and prioritize income and preservation before growth.

In my rare spare time, I like hanging around with my family and rescue dog Molly.

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Western & Southern Financial Group has over 135 years of helping to meet the financial stability needs of our customers — individuals, families, businesses, foundations and nonprofits — with a wide range of insurance, investment and retirement solutions through an ever-growing distribution system.

Our family of companies continues to grow and diversify, fortifying our financial foundation and embracing new opportunities to help meet your needs through superior service and an ever expanding range of insurance, investment and retirement solutions. No matter which of our member companies serves your needs, we are committed to helping you protect what matters for a secure financial future.• The Western and Southern Life Insurance Company

For more information on the Western & Southern family of companies, visit www.westernsouthern.com.

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At Poole Financial Services, Inc., our vision is simple: to help people feel confident and supported as they plan for their financial future. As a family-run firm, we believe in building strong, lasting relationships with each client — taking the time to understand your goals, your values, and the life you want to create.

With over three decades of experience, Larry and Judy Poole — along with their daughter, Rachel Bradsher — bring a personalized, multigenerational approach to financial planning. We’re not just here to offer investment advice; we’re here to be a trusted partner in your journey.

We are especially proud to serve educators and staff across North Carolina’s public schools. Through our affiliation with Robinson & Associates, a network of independent financial professionals focused on retirement planning for school employees, we offer specialized guidance on 403(b), 457(b), and other retirement plans designed for those who serve in education through Lincoln Investment.

Our services are offered through Lincoln Investment, a nationally recognized broker-dealer and registered investment adviser, member FINRA/SIPC. This relationship allows us to provide our clients with the resources of a larger platform while maintaining the personal care of a local, family-based practice.

Whether you’re planning for retirement, navigating life transitions, or simply looking for someone to walk alongside you financially, we’re here — with a clear plan and a team you can count on. Our mission is to empower you to build a lasting legacy, one that reflects your values and brings comfort to you and your loved ones for generations to come.

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