“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.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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.

For disclosures/terms of service, visit www.westernsouthern.com/social-media-disclosures.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Michael helps people achieve a higher and more predictable retirement income stream using his proprietary economic based process. As a Retirement Income Certified Professional® from the American College of Financial Services®, Michael effectively manages the transition from asset accumulation during a client’s working years to asset distribution in retirement. RICP® enables Michael to demonstrate tremendous value by delivering smart strategies for creating secure, sustainable income for a client’s retirement.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tom Wall has spent the entirety of his 20-year career positioning whole life insurance and competing against his alternative. Starting in college as an award-winning advisor with Northwestern Mutual before moving his practice to MassMutual, he subsequently grew his career in prominent home office roles in sales and marketing leadership. In those roles, he developed into a renowned storyteller and product expert at perennial company conferences and firm meetings nation-wide. Tom’s Ph.D. is in retirement income planning, with original research on Whole Life as a Fixed Income Alternative under the advisement of industry thought leaders Wade Pfau, Michael Finke, and Stephen Parrish. His focus on academic integrity and decades of sales experience combine to make him a uniquely credible and inspirational voice in the life insurance space. Tom now coaches and consults with financial advisors, hosts the Whole Life Masterminds study group, and has published his first book titled “Permission to Spend: Maximize Your Retirement with the Best Kept Secret in Personal Finance.” Tom lives in the greater Boston area with his two sons age 12 & 9, and is an avid golfer and traveler.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

American Legacy Solutions is a client-first brokerage firm dedicated to helping individuals and families achieve their financial goals through education, personalized service, and comprehensive financial planning. With a passion for technology and a commitment to excellence, they empower businesses to thrive in the digital landscape.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Robert Rolih is the international bestselling author of The Million Dollar Decision: Get Out of the Rigged Game of Investing and Add a Million to Your Net Worth, a book that has received glowing reviews from readers around the world. His mission is to reveal what the financial industry doesn’t want you to know about investing, helping people greatly improve their long-term investing gains and take control of their financial future.

Growing up in a remote village in Slovenia, a small country in the heart of Europe, Robert overcame humble beginnings to become a successful entrepreneur, working with renowned figures like Chet Holmes and Brian Tracy. However, after trusting financial advisers, brokers, and so-called "gurus," he lost most of his wealth. This painful experience led him to spend seven years investigating the hidden practices of the financial industry, uncovering eye-opening truths that most people never hear.

Today, Robert is a highly successful entrepreneur with a thriving investment portfolio that serves him—not the financial industry. As a sought-after speaker, he shares his expertise with audiences worldwide, helping people avoid costly mistakes and achieve financial freedom. His ability to break down complex financial concepts into simple, engaging lessons and make investing interesting and fun has become his trademark.

Robert was featured in more than 50 newspapers, websites and TV stations including CNBC, Yahoo Finance, Newsmax TV, Business Insider and has had the honor of sharing the stage with renowned figures such as Robert Kiyosaki, Gary Vaynerchuk, Brian Tracy, Jack Canfield, Daniel Priestley, and many others. His international bestseller The Million Dollar Decision has been translated into several languages, including Chinese Mandarin, and published in special editions in countries such as India, Taiwan, Bulgaria, and Thailand.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ryan Thacker

Founder and Investment Advisor Representative

Ryan’s primary focus is retirement income planning, and he is passionate about helping clients achieve their financial goals during retirement using the B.O.S.S. Retirement Blueprint™. Throughout his career, Ryan has focused on mortgage, banking, real estate development, personal finance and wealth management strategies.

Ryan graduated with a bachelor’s degree in business management. He has passed the Series 65 securities exam and is licensed as an Investment Advisor Representative. He also holds his life and annuity insurance licenses.

He is co-host of “Retirement Solutions TV” on ABC 4 and Retirement Solutions Radio on KSL 1160 AM and KNRS 570 AM. Ryan also appears frequently as one of the local experts on ABC’s Good 4 Utah.

Ryan is co-author of three books and a contributor to FoxBusiness.com. He has appeared on Fox Business News, where he was recognized for his expertise in retirement income and wealth management. He has also been seen on CNN, MSNBC and NBC.

Tyson Thacker

Founder, Investment Advisor Representative

Tyson is focused on helping clients achieve their financial goals during retirement using the B.O.S.S. Retirement Blueprint™.

He graduated with a bachelor’s degree in business management. Throughout his career, he has focused on mortgage, banking, real estate development, personal finance and wealth management strategies.

Tyson has passed the Series 65 securities exam and is licensed as an Investment Advisor Representative. He also holds his life and annuity insurance licenses.

He is co-host of “Retirement Solutions TV” on ABC 4 and Retirement Solutions Radio on KSL 1160 AM and KNRS 570 AM. Tyson also appears frequently as one of the local experts on ABC’s Good 4 Utah.

Tyson is co-author of three books and a contributor to FoxBusiness.com. He has appeared on Fox Business News, where he was recognized for his expertise in retirement income and wealth management. He has also been seen on CNN, MSNBC and NBC.

Visit them online at https://bossretirement.com/

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.