Episode Summary: In this episode of The DOC Podcast, I welcome Mr. Erik Brenner, a private wealth advisor with over 30 years of experience and the President and CEO of Hilltop Wealth and Tax Solutions. Erik is also the author of the Amazon bestseller, "The Personal CFO Revolution: A Comprehensive Guide to Navigating Your Retirement." Together, we break down the often overwhelming world of personal finance, offering practical advice for every stage of your career and life. What You’ll Learn in This Episode:The Importance of Having a Financial Plan: Why everyone, regardless of career stage, needs a plan—and how to revisit and update it as your life evolves.Understanding the Role of a Fiduciary Advisor: What it means to work with a fiduciary, and why it matters for your financial security.Breaking Down Financial Planning by Life Stage: Dr. Mike and Erik discuss four key periods:Early Career (School to 5 Years Out):Building an emergency fundManaging and understanding debtThe value of starting to save and invest early (time value of money)Basics of insurance and budgetingMid-Career (5–20 Years):Growing wealth and managing taxesMaximizing retirement plans (401k, HSA, backdoor Roth strategies)Asset protection, estate planning, and insurance updatesThe importance of accurate bookkeeping and proactive tax planningLate Career (20 Years to Retirement):Increasing complexity: business ownership, real estate, and advanced tax mitigationPlanning for college expenses and balancing support for children with retirement goalsRegular estate plan checkups and preparing for the “walkaway” numberRetirement:Transitioning from accumulation to distributionManaging multiple income streams and ongoing tax mitigationEmotional and lifestyle considerations for a fulfilling retirementInsurance needs, self-insuring, and long-term care planningActionable Advice for Every Listener:The value of assembling a trusted advisory teamWhy intentional planning and flexibility are the true keys to building wealthHow to ask the right questions and be proactive with your advisors Resources & Links:Get Erik’s Book: The Personal CFO Revolution: A Comprehensive Guide to Navigating Your Retirement Visit the link for a free copy and to schedule a no-obligation introductory call with Erik’s team.Connect with Dr. Mike DeLuke:Email: [email protected] Ortho Coach – CE Courses & CoachingJoin the DOC Community on Facebook: https://www.facebook.com/share/g/1Cb9rkQVde/Special Offer: Listeners of The DOC Podcast can receive a $500 discount on registration for Airway Palooza 2025 in Fort Lauderdale by using code DOCPALOOZA at checkout. https://airwayhealthsolutions.com/palooza Thank You for Listening! If you enjoyed this episode, please share it with colleagues, friends, or family who could benefit from these insights. Don’t forget to subscribe, leave a review, and join us next time for more conversations to help you lead a happier, healthier, and more prosperous life.

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