Every Dollar Counts with Josh & Jay

About Every Dollar Counts with Josh & Jay

Dedicated to those interested in planning for their future and wanting to learn more about how investments and insurance really work. Join co-hosts Josh Null & Jay Stubbs every week as they break down products and services in an easy going and educational manner!

Publisher

Josh Null

Category

business · business

Language

en

Explicit

No

First episode

23 Nov 2019

Latest episode

6 Aug 2024

Latest episodes

63 episodes in the feed.

1. 

   6 Aug 2024

   How to Work with Jay & Providence Partners

   In this episode, Josh Null and Jay Stubbs discuss Jay's experience and role at Providence Partners and Providence Benefits. Jay shares his personal story of how his father's passing and the importance of life insurance influenced his decision to pursue a career in the financial services industry, focusing on the risk management side. He explains his role as an intermediary and advisor to financial advisors, helping them navigate various risk management solutions for their clients. Jay also discusses the multidimensional approach of his firm, their mission to build strong relationships with producers, and the importance of having a team-based approach to better serve clients. Enjoy the Show! 3 Key Episode Takeways: Jay Stubbs, the director of Providence Partners and Providence Benefits along the Gulf Coast, has 25+ years of experience in the financial services industry specializing in the risk management side. He partners with independent advisors like Josh Null to provide superior products and services to help them achieve success for their clients. Providence Partners offers a multidimensional approach, providing support for various risk management needs such as life insurance, disability income protection, long-term care, and fixed annuities. They work with a team of specialists to offer tailored solutions based on each client's unique situation. Jay encourages insurance advisors to form their own entities (LLCs) and create their own agencies to build a brand that can eventually be teamed up with an advising firm or sold upon retirement. Providence Partners primarily serves the Gulf Coast area but also attracts business from outside the Southeast due to their strong value proposition. Gulf Coast Financial Advisors, LLC ("GCFA”) is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA’s advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA’s solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information. GCFA and Providence Partners are not affiliated, nor are any of their respective representatives. Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors. The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

2. 

   6 Aug 2024

   Disability Income & BOE for Financial Advisor's Clients

   In this episode, Josh Null and Jay Stubbbs share personal anecdotes and case studies to explore the potential impact of accidents and long-term disabilities on one's ability to work and earn an income. Josh and Jay highlight the significance of protecting income through proper insurance planning, especially for young professionals and those in high-paying, demanding jobs. The discussion also covers the underwriting process for disability insurance, considering factors such as physical and mental health, financial impact, and income replacement percentages. The speakers mention prominent insurance carriers and specialized risk companies in the disability insurance field. Additionally, they introduce the concept of business overhead expense insurance, which supports ongoing operating expenses and potentially replacing the owner in the event of a disability. Enjoy the show! 3 Key Episode Takeaways: Disability insurance is crucial for protecting one's income in the event of accidents or long-term disabling events that prevent someone from working in their occupation. We discuss personal experiences with injuries and emphasize how disability can impact the ability to earn an income, especially for high-earning professionals. Underwriting for disability insurance involves assessing physical and mental health history, financial impact of a disability, and determining appropriate coverage amounts to replace a portion of income. Working with experienced professionals who understand the nuances of disability insurance planning is important. Business overhead expense (BoE) insurance is another consideration discussed for business owners. It covers ongoing operating expenses if an owner becomes disabled. The speakers explain key aspects like coverage limitations, benefit amounts, and premium costs related to BoE policies and individual disability income insurance. Gulf Coast Financial Advisors, LLC ("GCFA”) is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA’s advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA’s solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information. GCFA and Providence Partners are not affiliated, nor are any of their respective representatives. Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors. The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

3. 

   6 Aug 2024

   How to Work with Josh & GCFA

   In this epsiode, Josh discuss why clients should work with his firm and what sets them apart, such as their fiduciary-based approach, years of experience, and ability to cater to clients who have built wealth through entrepreneurship or consistent saving. He also addresses how GCFA can be a good fit for financial advisors looking to go independent or find a succession plan. Enjoy the Show! 3 Key Episode Takeaways Josh Null, the owner of Gulf Coast Financial Advisors (an independent financial planning and investment management firm), discusses why consumers should consider working with his firm. He emphasizes their unique offering, fiduciary-based financial planning, and years of experience in various niches of the financial services industry. The ideal client for Gulf Coast Financial Advisors is someone who has done extraordinary things, such as building a business from scratch, growing a substantial nest egg through dedicated work, or living within their means to save for retirement. These clients are looking for honest, common-sense guidance and a long-term relationship with a knowledgeable and trustworthy advisor. For financial advisors considering going independent or seeking a succession plan, Gulf Coast Financial Advisors offers an opportunity to join their team. By joining Gulf Coast Financial Advisors, these advisors can benefit from the firm's established brand, marketing apparatus, and the ability to truly own their book of business without non-compete or non-solicit clauses in their contracts. Gulf Coast Financial Advisors, LLC ("GCFA”) is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator. The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA’s advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA’s solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information. GCFA and Providence Partners are not affiliated, nor are any of their respective representatives. Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors. The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

Reach and audience

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Apple Podcasts (US)

5.0 / 5

11 ratings

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Guest appearances

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Based on episode analysis; this does not confirm that the show is currently accepting guests.