by Judy Robbins
Welcome to the GenWLTH Podcast with your host, Judy Robbins! Get ready for real conversations about money, mindset, and what it truly means to build wealth. Judy shares her personal journey from financial devastation to creating a life of purpose, balance, and legacy. We'll laugh, reflect, and learn together as we redefine generational wealth—because it's not just about money, it's about your whole well-being. Subscribe now and join a community of women ready to grow, heal, and thrive!
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Publishing Since
4/23/2025
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January 16, 2026
<p><span style="font-weight: 400;">In this episode of "GenWLTH Podcast", estate planning attorney and JAG officer Melissa Huntley-Bosco joins Judy to demystify estate planning for families of all backgrounds. Melissa shares her journey from military service to law, explains the differences between wills and trusts, and stresses the importance of planning regardless of wealth. The conversation covers probate realities, powers of attorney, healthcare directives, and common misconceptions. Melissa offers practical advice, emphasizing organization and communication, and encourages listeners to start estate planning early to protect their loved ones and legacies.</span></p> <p> </p> <p><span style="font-size: 12pt;"><strong>Key Topics & Timestamps</strong></span></p> <p><strong>Melissa's Background & Military Service (00:03:22)</strong> <span style="font-weight: 400;">Melissa discusses her Army career, transition to law, and starting her estate planning practice.</span></p> <p><strong>Family & Upcoming Deployment (00:05:00)</strong> <span style="font-weight: 400;">Melissa shares about her family and her upcoming deployment to Iraq.</span></p> <p><strong>Why Estate Planning? (00:05:51)</strong> <span style= "font-weight: 400;">Melissa explains her passion for estate planning and helping families plan ahead.</span></p> <p><strong>Estate Planning is for Everyone (00:07:08)</strong> <span style="font-weight: 400;">Dispelling the myth that estate planning is only for the wealthy; importance for all families.</span></p> <p><strong>Estate Planning Questionnaires & Tax Exemptions (00:12:08)</strong> <span style="font-weight: 400;">How questionnaires prompt important questions about taxes and assets.</span></p> <p><strong>Probate, Trusts, and Asset Titling (00:13:23)</strong> <span style="font-weight: 400;">Explaining probate, tangible property lists, and ways to avoid probate.</span></p> <p><strong>Will vs. Trust Explained (00:15:01)</strong> <span style="font-weight: 400;">Differences between wills and trusts, and the importance of funding a trust.</span></p> <p><strong>Transfer on Death Deeds & Mortgages (00:18:10)</strong> <span style="font-weight: 400;">How to transfer real estate with or without a mortgage upon death.</span></p> <p><strong>Life Insurance & Trusts (00:19:36)</strong> <span style="font-weight: 400;">How life insurance can be integrated into estate plans and trusts.</span></p> <p><strong>Beneficiaries & Legal Ownership (00:20:18)</strong> <span style="font-weight: 400;">Risks of relying on beneficiaries to follow wishes; legal implications.</span></p> <p><strong>Consequences of No Estate Plan (00:21:14)</strong> <span style="font-weight: 400;">Stories of families without estate plans and the challenges of intestacy.</span></p> <p><strong>Powers of Attorney & Advance Directives (00:28:41)</strong> <span style="font-weight: 400;">Importance of powers of attorney, healthcare directives, and HIPAA releases.</span></p> <p><strong>Living Will vs. Healthcare Directive (00:32:10)</strong> <span style="font-weight: 400;">Difference between a living will and an advance healthcare directive.</span></p> <p><strong>Best Age to Start Estate Planning (00:35:12)</strong> <span style="font-weight: 400;">Start estate planning when you have dependents or significant assets.</span></p> <p><strong>Don't Delay Estate Planning (00:35:54)</strong> <span style="font-weight: 400;">Encouragement to act now and not fear the process or professionals.</span></p> <p><strong>Military Community & Closing Remarks (00:36:49)</strong> <span style="font-weight: 400;">Acknowledgment of the military community and gratitude for Melissa's service.</span></p> <p> </p> <p><span style="font-size: 12pt;"><strong>Powerful Quotes from the Episode:</strong></span></p> <p><span style="font-weight: 400;">Melissa, "I've always been a better planner than a reactor."</span></p> <p><span style="font-weight: 400;">Melissa, "I love that feeling when a client walks in and says, 'I'm really scared,' and they walk out and say, 'I feel better.'"</span></p> <p><span style="font-weight: 400;">Melissa, "Usually a death in their own family is a huge motivator. That's a wake-up call for them to say, 'Oh, I need to do something.'"</span></p> <p><span style="font-weight: 400;">Melissa, "Money does funny things to people."</span></p> <p><span style="font-weight: 400;">Melissa, "We all think we're going to live forever."</span></p> <p> </p> <h2><span style= "font-size: 14pt;"><strong>Resources</strong></span></h2> <div><span style="font-size: 12pt;"><strong>Connect With Me:</strong></span></div> <ul> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">WEBSITE:</span> <a href= "https://sixthandking.com/"><span style= "font-weight: 400;">https://sixthandking.com/</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">FOLLOW THE PODCAST: GenWLTH with Judy Robbins on</span> <a href= "https://podcasts.apple.com/us/podcast/genwlth-with-judy-robbins/id1810165617"> <span style="font-weight: 400;">Apple</span></a> <span style= "font-weight: 400;">Podcasts and</span> <a href= "https://open.spotify.com/show/3RoHl1woeTjyCCLrsvJxW2?si=52b18a57f09b477c"> <span style="font-weight: 400;">Spotify</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">CONNECT WITH JUDY:</span> <a href= "https://www.facebook.com/share/16MUj8z6Da/?mibextid=wwXIfr"><span style="font-weight: 400;"> Facebook</span></a><span style="font-weight: 400;">,</span> <a href="https://www.instagram.com/judyhrobbins?igsh=MWVuN3Q2OWpqdmhhdA=="> <span style="font-weight: 400;">Instagram</span></a><span style= "font-weight: 400;">,</span> <a href= "https://www.linkedin.com/in/judy-robbins-8048963?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app"> <span style="font-weight: 400;">LinkedIn</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">Book a Free Consultation with Judy:</span> <a href="https://calendly.com/judy-sixth-and-king"><span style= "font-weight: 400;">https://calendly.com/judy-sixth-and-king</span></a></li> </ul> <p> </p> <p><span style="font-weight: 400;">Podcast Produced and edited by the team at</span> <a href= "https://resilientvoicemedia.com/"><span style= "font-weight: 400;">ResilientVoiceMedia.com</span></a></p> <p><span style="font-weight: 400;">Contact us for expert podcast production and support</span></p>
November 26, 2025
<p><span style="font-weight: 400;">In this episode of the "GenWLTH Podcast", host Judy Robins interviews her longtime friend, mentor, and business partner Angie Gauthier of Five Rings Financial. Angie shares how personal loss inspired her to help families secure their financial futures. Together, they discuss the supportive culture at Five Rings, the importance of financial education for middle America, and practical strategies like living benefits, indexed annuities, and the Million Dollar Baby program. The episode highlights their mission to empower others, grow their team, and make a meaningful impact by teaching financial protection and generational wealth-building.</span></p> <p> </p> <p><strong>Angie's Journey to Five Rings Financial (00:04:25)</strong><span style="font-weight: 400;"> Angie recounts her corporate background, initial industry experience, and how a friend's illness led her to Five Rings.</span></p> <p><strong>Joining Five Rings and Early Impressions (00:10:37)</strong><span style="font-weight: 400;"> Angie describes joining Five Rings, the supportive environment, and her sense of purpose.</span></p> <p><strong>Advice for Career Changers (00:16:09)</strong><span style="font-weight: 400;"> Angie explains how people from all backgrounds can succeed in financial services with the right mindset.</span></p> <p><strong>Five Rings Financial's Mission and Core Values (00:19:27) </strong><span style="font-weight: 400;">Overview of the company's mission and the five core values: purpose, courage, character, energy, and love.</span></p> <p><strong>Educational Workshops and Wealth Concepts (00:22:02)</strong><span style= "font-weight: 400;"> Description of workshops like Wine Women & Wealth and Money 101, and the financial concepts taught.</span></p> <p><strong>Million Dollar Baby Program (00:23:31)</strong><span style= "font-weight: 400;"> Explanation of the Million Dollar Baby concept for children's financial security and growth.</span></p> <p><strong>Retirement Solutions for Older Clients (00:25:54)</strong><span style="font-weight: 400;"> Discussion of indexed annuities and safe retirement strategies for those nearing retirement.</span></p> <p><strong>How to Get Involved with Five Rings (00:33:18) </strong><span style="font-weight: 400;">Invitation for listeners to "test drive" the company through events and overviews.</span></p> <p><strong>Importance of Edification and Respect in Field Training (00:38:41)</strong><span style="font-weight: 400;"> How edifying field trainers increases client trust and success rates for new agents.</span></p> <p><strong>Closing Reflections and Encouragement (00:40:15)</strong><span style="font-weight: 400;"> Angie shares a pivotal moment and encourages listeners to embrace change for a meaningful career.</span></p> <p> </p> <p><span style="font-size: 12pt;"><strong>Powerful Quotes from the Episode:</strong></span></p> <p><span style="font-weight: 400;">Angie, 'When you have the ability to potentially save somebody's financial future because she died with no financial dignity, it changes everything.'</span></p> <p><span style="font-weight: 400;">Angie Gokey, 'If you have the ambition, if you're coachable, and if you care about people, you absolutely can do this business.'</span></p> <p><span style="font-weight: 400;">Angie, 'Helping you get to where you are has been one of the greatest blessings in my career at Five Rings Financial, and I just want to help more people do that.'</span></p> <p><span style="font-weight: 400;">Angie, 'If you want to change something in your life, you're probably going to have to change something in your life.'</span></p> <p><span style="font-weight: 400;">Judy Robbins, 'We want to leave impact. We want to have something with purpose that makes us want to jump out of bed in the morning.'</span></p> <p> </p> <h2><span style= "font-size: 14pt;"><strong>Resources</strong></span></h2> <ul> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">WEBSITE: </span><a href= "https://sixthandking.com/" target="_blank" rel= "noopener"><span style= "font-weight: 400;">https://sixthandking.com/</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">FOLLOW THE PODCAST: GenWLTH with Judy Robbins on </span><a href= "https://podcasts.apple.com/us/podcast/genwlth-with-judy-robbins/id1810165617" target="_blank" rel="noopener"><span style= "font-weight: 400;">Apple</span></a><span style= "font-weight: 400;"> Podcasts and </span><a href= "https://open.spotify.com/show/3RoHl1woeTjyCCLrsvJxW2?si=52b18a57f09b477c" target="_blank" rel="noopener"><span style= "font-weight: 400;">Spotify</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">CONNECT WITH JUDY: </span><a href= "https://www.facebook.com/share/16MUj8z6Da/?mibextid=wwXIfr" target="_blank" rel="noopener"><span style= "font-weight: 400;">Facebook</span></a><span style= "font-weight: 400;">, </span><a href= "https://www.instagram.com/judyhrobbins?igsh=MWVuN3Q2OWpqdmhhdA==" target="_blank" rel="noopener"><span style= "font-weight: 400;">Instagram</span></a><span style= "font-weight: 400;">, </span><a href= "https://www.linkedin.com/in/judy-robbins-8048963?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app" target="_blank" rel="noopener"><span style= "font-weight: 400;">LinkedIn</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">Book a Free Consultation with Judy: </span><a href= "https://calendly.com/judy-sixth-and-king" target="_blank" rel= "noopener"><span style= "font-weight: 400;">https://calendly.com/judy-sixth-and-king</span></a></li> </ul> <p> </p> <p><span style="font-weight: 400;">Podcast Produced and edited by the team at </span><a href="https://resilientvoicemedia.com/" target="_blank" rel="noopener"><span style= "font-weight: 400;">ResilientVoiceMedia.com</span></a></p> <p><span style="font-weight: 400;">Contact us for expert podcast production and support.</span></p>
October 15, 2025
<p data-start="389" data-end="684">In this episode of the <strong data-start="412" data-end="431">GenWLTH Podcast</strong>, host <strong data-start="438" data-end= "453">Judy Robins</strong> welcomes financial expert <strong data-start="480" data-end="503">Rita Taylor Stewart</strong>, <strong data-start="505" data-end= "558">National Vice President with Five Rings Financial</strong>, to discuss smart retirement planning strategies for <strong data-start="612" data-end="681">federal employees, government contractors, and military personnel</strong>.</p> <p data-start="686" data-end="1061">Rita shares her remarkable career journey—from the founding team at Capital One to two decades in banking, followed by over a decade in ministry and nonprofit leadership. Now, as CEO of <strong data-start="872" data-end= "901">Legacy Financial Wellness</strong> and co-founder of <strong data-start="920" data-end="949">Centric Vision Consulting</strong>, she blends her professional and ministry experience to empower clients to make informed financial decisions.</p> <p data-start="1063" data-end="1491">Throughout this episode, Rita and Judy explore practical tools for navigating economic uncertainty, understanding key retirement milestones, and leveraging strategies like the <strong data-start="1239" data-end="1254">“100% Rule”</strong> and <strong data-start="1259" data-end= "1287">bucket allocation system</strong> for financial stability and growth. Rita also draws from her work with professionals at the <strong data-start="1380" data-end= "1406">Pentagon, FBI, and CIA</strong>, offering unique insight into the retirement needs of those in government service.</p> <p data-start="1493" data-end="1695">Listeners will walk away with actionable steps for <strong data-start="1544" data-end= "1583">safeguarding their financial future</strong>, <strong data-start="1585" data-end= "1629">exploring alternative investment options</strong>, and <strong data-start="1635" data-end="1664">building a lasting legacy</strong> beyond traditional benefits.</p> <p> </p> <p><strong>Rita’s Career Journey and Experience (00:03:40)</strong><span style="font-weight: 400;"> Rita shares her background in banking, ministry, and financial education for federal employees and contractors.</span></p> <p><strong>Focus of the Episode: Early Retirement (00:04:57)</strong><span style="font-weight: 400;"> Judy sets the episode’s focus on early retirement for federal employees, government contractors, and military personnel.</span></p> <p><strong>Key Questions for Federal Employees (00:07:12)</strong><span style="font-weight: 400;"> Judy asks why federal employees should review their finances now; Rita explains the importance of understanding available options.</span></p> <p><strong>Case Study: Double Retirement Strategy (00:17:23)</strong><span style="font-weight: 400;"> Rita shares a client story about creating multiple pensions and securing retirement income without tax penalties.</span></p> <p><strong>The Third Alternative: Index Accounts (00:20:46)</strong><span style="font-weight: 400;"> Judy and Rita discuss the benefits of index accounts—combining safety and market growth without downside risk.</span></p> <p><strong>Lessons from the 2008 Financial Crisis (00:21:35)</strong><span style="font-weight: 400;"> Reflection on the 2008 crisis, emphasizing the need for safer, more informed retirement planning.</span></p> <p><strong>The 100% Rule and Bucket Strategy (00:25:19) </strong><span style="font-weight: 400;">Rita introduces the “100% rule” for asset allocation using green, red, and blue buckets for liquidity, stability, and growth.</span></p> <p> </p> <p><strong>Powerful Quotes from the Episode:</strong></p> <p><span style="font-weight: 400;">Judy, "I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place."</span></p> <p><span style="font-weight: 400;">Rita, "Sometimes it was intimidating to actually go into some of those halls to speak on those subject matters."</span></p> <p><span style="font-weight: 400;">Rita, "There is a lot of uncertainty right now, and no one wants to experience 2008 or 2009 again. I know I certainly do not."</span></p> <p><span style="font-weight: 400;">Rita, "There is nothing more freeing and more liberating than to know where you stand as it relates to your money."</span></p> <h2><strong>Resources</strong></h2> <ul> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">WEBSITE: </span><a href= "https://sixthandking.com/" target="_blank" rel= "noopener"><span style= "font-weight: 400;">https://sixthandking.com/</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">FOLLOW THE PODCAST: GenWLTH with Judy Robbins on </span><a href= "https://podcasts.apple.com/us/podcast/genwlth-with-judy-robbins/id1810165617" target="_blank" rel="noopener"><span style= "font-weight: 400;">Apple</span></a><span style= "font-weight: 400;"> Podcasts and </span><a href= "https://open.spotify.com/show/3RoHl1woeTjyCCLrsvJxW2?si=52b18a57f09b477c" target="_blank" rel="noopener"><span style= "font-weight: 400;">Spotify</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">CONNECT WITH JUDY: </span><a href= "https://www.facebook.com/share/16MUj8z6Da/?mibextid=wwXIfr" target="_blank" rel="noopener"><span style= "font-weight: 400;">Facebook</span></a><span style= "font-weight: 400;">, </span><a href= "https://www.instagram.com/judyhrobbins?igsh=MWVuN3Q2OWpqdmhhdA==" target="_blank" rel="noopener"><span style= "font-weight: 400;">Instagram</span></a><span style= "font-weight: 400;">, </span><a href= "https://www.linkedin.com/in/judy-robbins-8048963?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app" target="_blank" rel="noopener"><span style= "font-weight: 400;">LinkedIn</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style= "font-weight: 400;">Book a Free Consultation with Judy: </span><a href= "https://calendly.com/judy-sixth-and-king" target="_blank" rel= "noopener"><span style= "font-weight: 400;">https://calendly.com/judy-sixth-and-king</span></a></li> </ul> <div> </div> <p><span style="font-weight: 400;">Podcast Produced and edited by the team at </span><a href="https://resilientvoicemedia.com/" target="_blank" rel="noopener"><span style= "font-weight: 400;">ResilientVoiceMedia.com.</span></a></p> <p><span style="font-weight: 400;">Contact us for expert podcast production and support.</span></p>
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Welcome to the GenWLTH Podcast with your host, Judy Robbins! Get ready for real conversations about money, mindset, and what it truly means to build wealth. Judy shares her personal journey from financial devastation to creating a life of purpose, balance, and legacy.
We'll laugh, reflect, and learn together as we redefine generational wealth—because it's not just about money, it's about your whole well-being.
Subscribe now and join a community of women ready to grow, heal, and thrive!
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