Month: September 2024

SaFiSpa New York, a newcomer to the luxury home fragrance and self-care space, is cementing its position as a formidable force with the unveiling of a thoughtfully curated collection of signature and bespoke candles, essential oils, and lavish moisturizers. Burgeoning, but already distinguished, this exquisite collection, with artful nods to the mesmeric cultures of Trinidad & Tobago and Haiti, sets Safispa apart as a singular brand in a market where home fragrance options are plentiful. SaFiSpa’s commitment to quality craftsmanship and sustainability harkens the call to self-care enthusiasts energized both by elegance and environmental responsibility.

A Sensory Journey to Paradise

The lush landscapes, the beguiling rhythms, and the simplicity of Caribbean life imbue the very soul of SaFiSpa’s collections. The SaFiSpa vision, however, is to re-present the sights, sounds, scents of the paradise we encounter in the Caribbean, and the sentimentality those senses evoke, in a way not typically done. Quintessentially colorful Caribbean forms and scents are presented by SaFiSpa in a soft, muted aesthetic.

SaFiSpa is deeply thoughtful and intentional in their approach to marrying vibrant Caribbean nostalgia to modern, clean, pure living, without being a cliché. Tropical, one of their inaugural scents, is a bit tongue in cheek given the expected name for a product offering in a Caribbean inspired brand. But with revitalizing citrus top notes and warm, grounding amber bottom notes that sail through the home, Tropical’s sensory experience is unexpected magic. 

New product launches are set to debut this holiday season, including the highly anticipated Coconut, layered with notes of papaya, coconut and earthy musk. Coconut, which again is a provocatively cheeky reference to Caribbean roots, ever so gently transports you to an uncomplicated time when inspiration and vision whispered against the backdrop of the ravishes of the sea. The 6 other leading scents, including Belle Rose, Lavender Vanilla and Ebony Bergamont, are scents that resonate with the owner-creator-visionary as emoting a sense of soothing respite necessary, in her opinion, for an environment of health and restoration – the true luxury of every physical space…

Photo Courtesy: SaFiSpa New York

Elegance in Every Detail

SaFiSpa is focused on the details. Each candle is an experience in a soft, renewing tranquility from the first moments of the unboxing to the final seconds of the last flicker. The candle offerings consist of quietly impactful signature glass vessels with SaFiSpa logo inset at the base, and bespoke vessels repurposed from vintage pieces sourced from corners of the world. The candle care accessories, lotions and self-care products are expressions of the brand’s intentionality in elevating the everyday. Needless to say, all product offerings first audition in the homes of the SaFiSpa visionary team where fragrance harmonies are refined as each scent is allowed time to gracefully transform the corridors and nooks of bustling interiors into spaces of calm. 

Photo Courtesy: Bespoke by SaFiSpa New York

Luxury Crafted with Sustainability in Mind

Sustainability is more than a trend. Central and integral to every aspect of SaFiSpa’s production process is SaFiSpa’s commitment to minimizing its ecological footprint from sourcing premium, sustainable materials to ensuring environmentally conscious packaging. SaFiSpa’s use of natural  waxes and essential oils derived from ethically sourced botanicals result in product offerings that deliver an unparalleled sensory experience gentle on the skin and the environment. 

SaFiSpa’s Ethos – A Customer-Centric Approach

Safi, which means pure and clean, just gets it right. SaFiSpa is a brand less interested in following commercial leads, but, instead, is focused on leading by sharing beauty through the lens of simplicity. Most importantly, SaFiSpa is a brand that is deeply personal, intent on forging relationships with customers. SaFiSpa understands the defining role its line of product offerings play in framing cherished moments and enduring  memories. Delicate unexpected details await each unboxing as orders are personally assembled by the owner-creator-visionary, garnished with florals hand picked from her own collection. 

Photo Courtesy: SaFiSpa New York

An Invitation to Discover SaFiSpa

SaFiSpa, already with countless stories of brand loyalty, begins its journey poised to supply that element of rejuvenation and atmospheric softness we all crave in our personal retreats. Explore SaFiSpa’s interpretation of the art of restorative luxury at SaFiSpa.com, and stay connected with their latest offerings on Instagram @safispa.ny, TikTok @safispany, and YouTube SaFiSpa.

About SaFiSpa

SaFiSpa is a luxury brand offering a foundational collection of elevated home fragrance and self-care products. Known for its sophisticated approach to wellness, SaFiSpa combines elegance with relaxation through its carefully curated line of items.

Media Contact
Company Name: SaFiSpa LLC
Contact Person: Nicole Devis
Email: Send Email
Phone: +1 631-401-0429
Country: United States
Website: https://safispa.com/

Brian Wilbur discusses how to use a reverse mortgage in retirement planning?  

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-brian-wilbur-co-founder-of-bingo-reverse-mortgage/

In an effort to address the growing financial challenges faced by retirees, experts are increasingly highlighting the potential benefits of incorporating a reverse mortgage into comprehensive retirement planning. With rising living costs and longer life expectancies, reverse mortgages offer a strategic avenue for retirees to enhance their financial security while remaining in their homes. 

A reverse mortgage allows homeowners aged 62 and older to convert part of their home equity into cash without having to sell the home or take on additional monthly bills. This financial tool can provide much-needed supplemental income, reduce financial stress, and help retirees maintain their quality of life.  

Brian explained: “Beyond immediate financial relief, reverse mortgages can help retirees to preserve other assets, allowing investment portfolios to grow over time. This flexibility can be crucial in managing financial risks in unpredictable economic climates.”  

However, experts caution that reverse mortgages are not a one-size-fits-all solution. Potential risks include reduced inheritance for beneficiaries and the necessity to meet specific eligibility requirements, such as maintaining the home as a primary residence, keeping up with property taxes, and home insurance. 

For retirees aiming to boost their financial resilience without sacrificing their lifestyle or home, a reverse mortgage presents a viable option worth exploring. As always, careful consideration and expert guidance are recommended to maximize the benefits while minimizing potential drawbacks. 

Video Link: https://www.youtube.com/embed/n0uOTnWlMf0

About Brian Wilbur 

Brian Wilbur is a dedicated marine with a passion for financial education and strategic planning. His professional journey began in the insurance industry, where he honed his skills and expertise. However, it was his discovery of reverse mortgages that truly captivated him. Brian fell in love with the product and its potential to empower clients to achieve their financial goals. 

Currently, Brian thrives on educating realtors and financial advisors about the strategic utilization of reverse mortgages. He believes in the transformative impact these financial tools can have on clients’ lives, guiding professionals to effectively integrate them into comprehensive financial strategies. 

Outside of his professional endeavors, Brian loves 4-wheeling, camping, sailing, and being with his family.

Learn more: https://www.BingoReverseMortgage.com  

Media Contact
Company Name: Marketing Huddle, LLC
Contact Person: Mike Saunders, MBA
Email: Send Email
Phone: 7202323112
Country: United States
Website: https://www.AuthorityPositioningCoach.com

Chris Patterson discusses the role of annuities in retirement income strategies

Listen to the interview on the Business Innovators Radio Network: Interview With Chris Patterson, Retirement Income Strategist Discussing Annuities & Income Planning – Business Innovators Radio Network

Annuities play a crucial role in income planning for retirees by offering several key benefits. Firstly, they provide guaranteed lifetime income, ensuring a steady stream of income throughout retirement regardless of market conditions. This feature helps retirees plan and budget effectively, providing financial stability and peace of mind.

Secondly, annuities act as a protective measure against market downturns, safeguarding assets from volatility. This protection is beneficial for retirees concerned about preserving their savings during economic uncertainty.

Additionally, annuities serve as a safe money component within a retirement portfolio, creating a balanced and resilient investment strategy. This component helps mitigate risks associated with market volatility, ensuring a stable income stream for retirees.

Annuities offer guaranteed lifetime income, protect assets from market downturns, and serve as a safe money component in a retirement portfolio, providing financial security and stability for retirees.

When evaluating annuities as part of a retirement plan, it is crucial to consider key factors. Assessing fees is essential to align the cost with financial goals. Evaluating the financial strength of the issuing company ensures reliability while understanding the history of crediting strategies helps assess potential returns and risks.

Chris explained: “Annuities in terms of your retirement income planning really can play the role of sort of the safe money or the kind of protected account inside of your portfolio. And it goes back to the sequence of returns risk. And annuities can play kind of a key role in helping us avoid that risk if we feel it’s warranted.”

Furthermore, ongoing input, feedback, and a strong client-advisor relationship are key components of successful retirement planning. By staying in touch with a financial advisor and engaging in consistent communication, clients can adapt to evolving circumstances and secure their financial future effectively.

Chris shared: “I use 25+ years of experience on the tax side to assist clients in understanding how their recommended income strategies will impact their tax return in retirement. The goal is to minimize taxes and management fees while maximizing income in the safest way possible.”

Video Link: https://www.youtube.com/embed/D2d91wGFhq4

About Chris Patterson

Chris is a CPA/retirement strategist/basketball coach/husband/father!

He’s been assisting clients with tax and retirement income strategies for over 25 years, he loves what Chris does and wants to assist as many people as possible.

Learn More: https://innovatemyplan.com/

Past performance is not a guarantee of future performance. All strategy recommendations must be associated with a full review of a client’s personal situation.

 Recent news and interviews:

• Chris Patterson Discussing Sequence of Returns Risk Chris Patterson Retirement Income Strategist, Interviewed on the Influential Entrepreneurs Podcast Discussing Sequence of Returns Risk – Authority Press Wire 

• Chris Patterson Discussing Discussing Tax Risk Chris Patterson Retirement Income Strategist, Interviewed on the Influential Entrepreneurs Podcast Discussing Tax Risk – Authority Press Wire

Media Contact
Company Name: Marketing Huddle, LLC
Contact Person: Mike Saunders, MBA
Email: Send Email
Phone: 7202323112
Country: United States
Website: https://www.AuthorityPositioningCoach.com

Bill McDowell discusses 401K Rollovers

Listen to the interview on the Business Innovators Radio Network: Interview with Bill McDowell President of The McDowell Agency Discussing 401K Rollovers – Business Innovators Radio Network

Bill McDowell, president of the McDowell Agency, joins host Mike Saunders to discuss the importance of 401k rollovers. They highlight how modern work trends lead to individuals accumulating multiple 401k accounts over their careers. Bill emphasizes the need to consolidate these accounts for better management and financial planning, catering to individuals of all ages who may have multiple 401ks from various job transitions.

One prevalent issue discussed in the podcast episode is the common occurrence of individuals holding multiple 401k accounts from various jobs. With the changing landscape of employment, people are no longer sticking with one company for their entire career. Consequently, individuals end up accumulating multiple 401k accounts over time. The guest, Bill McDowell, mentions encountering clients with several orphaned 401k accounts, which are funds left in retirement plans from previous employers.

Having multiple 401k accounts can lead to confusion and potential loss of track of funds. Individuals may overlook these accounts, especially if they are small or from past jobs. Bill McDowell stresses the importance of consolidating these accounts to simplify tracking retirement savings. He shares a scenario where a client had seven 401k accounts, illustrating the complexity and challenges of managing multiple accounts effectively.

The risks associated with leaving 401k funds in orphaned accounts are also explored in the episode. Apart from the confusion and potential loss of track of funds, there are risks related to company instability. If a former employer faces financial troubles or goes bankrupt, it could impact the 401k funds left with that company. Additionally, the market’s volatility poses a risk to funds left in 401k accounts, particularly if they are linked to stock market performance.

Overall, the episode emphasizes the importance of addressing the issue of multiple 401k accounts to avoid confusion, potential loss of funds, and exposure to risks

In conclusion, it is crucial for individuals to understand the risks involved in leaving old 401k accounts with previous employers. By taking proactive steps such as consolidating accounts, actively managing investments, and ensuring funds are in secure investment options, individuals can better protect their retirement savings and mitigate potential risks associated with old 401k accounts.

Video Link: https://www.youtube.com/embed/lx7qHMD34fI

About Bill McDowell

He has been in the financial services industry for over 20 years.  His goal has been and remains to help my clients achieve their retirement goals, protect and grow their assets.  Whether it is to leave a TAX FREE legacy TO THEIR LOVED ONE’S or to provide an income for life FOR THEMSELF AND THEIR SPOUSE.  We take pride in helping achieve your specific outcome.

Bill is licensed in approximately 20 states and have protected over 250 Million Dollars in Assets.  Unlike the bigger agencies we can provide a more personal level of attention and care. He looks forward to seeing you.

Learn More: https://www.mcdowell-agency.com/

Recent news and interviews:

• Bill McDowell Discussing Guaranteed Income Bill McDowell, President of The McDowell Agency, Interviewed on The Influential Entrepreneurs Podcast, Discussing Guaranteed Income – Authority Press Wire

• Bill McDowell Discussing Roth Conversion Bill McDowell, President of The McDowell Agency, Interviewed on The Influential Entrepreneurs Podcast, Discussing Roth Conversions – Authority Press Wire

Media Contact
Company Name: Marketing Huddle, LLC
Contact Person: Mike Saunders, MBA
Email: Send Email
Phone: 7202323112
Country: United States
Website: https://www.AuthorityPositioningCoach.com

David Smart Discusses The Powerful Topic of tax-free Retirement Solutions

Listen to the interview on the Business Innovators Radio Network: Interview with David Smart, CEO of Smart Benefit Group Discussing Tax-Free Retirement Solutions – Business Innovators Radio Network

David highlights individuals’ frustrations with paycheck deductions and the desire for a tax-free retirement. He emphasizes the importance of understanding that while eliminating all taxes may not be possible, there are strategies to lessen and mitigate them. David outlines his approach to working with clients, starting with a thorough needs analysis to assess their assets. He reflects on historical retirement income sources, such as pensions, and introduces the concept of tax-deferred growth through specific entities created by Congress.

Tax-Free Retirement Solutions: The Power of Roth Conversions:

Tax-free retirement solutions, particularly Roth conversions, provide a strategic method for individuals to reduce their tax burden on retirement savings significantly. This approach enables retirees to retain more of their hard-earned money instead of surrendering a substantial portion to the IRS.

Understanding Roth Conversions:

A Roth conversion involves transferring funds from a traditional pre-tax retirement account, such as an IRA or 401(k), into a Roth IRA. The primary advantage of this conversion is that while individuals must pay taxes on the amount converted, the funds in the Roth IRA grow tax-free, and withdrawals during retirement are also tax-free. Money in a Roth IRA enables individuals to enjoy retirement savings without worrying about future tax liabilities.

The Tax Burden of Traditional Accounts

Traditional retirement accounts offer a tax-efficient way to save for the future. Contributions are made with pre-tax dollars, allowing your investment to grow tax-deferred until withdrawal, then they are taxed as income. A significant tax burden is created in retirement, especially when required minimum distributions (RMDs) come into play. As David explains, RMDs can push retirees into higher tax brackets, affecting not only their income tax but also their Social Security benefits and Medicare premiums.

David shared: “Retirement is like a jigsaw puzzle; how the pieces fit together determines the quality of one’s retirement years. At Smart Benefit Group, we take a holistic approach, focusing on financial security, health, freedom of choice, and estate planning to provide a stress-free retirement.”

For instance, if a retiree has a substantial amount in a traditional IRA and is required to withdraw

A certain amount each year, this additional income can lead to increased taxes on Social Security benefits and higher Medicare premiums, further eroding their retirement savings.

The Benefits of Roth Conversions

Lower Tax Liability: By converting to a Roth IRA, individuals can pay taxes on their retirement savings at their current tax rate, which may be lower than future rates. Tax-free Growth is when funds are in a Roth IRA and grow tax-free. Investment gains are not taxed, allowing for more significant wealth accumulation over time. No Required Minimum

Unlike traditional IRAs, Roth IRAs do not have RMDs during the account holder’s lifetime. This feature empowers retirees to manage withdrawals and optimize their tax obligations proactively. And inheritance benefits: Funds in a Roth IRA can be passed on to heirs tax-free, providing a significant financial advantage compared to traditional accounts, where beneficiaries may face substantial tax liabilities.

David Smart highlights a unique approach to Roth conversions that minimizes the immediate tax impact. By utilizing strategies involving life insurance products and annuities, individuals can convert their traditional retirement accounts into Roth IRAs without incurring a hefty tax bill. This method allows the principal amount to remain intact while using bonuses and dividends from these products to cover the tax obligations.

Video Link: https://www.youtube.com/embed/Rs5gBX-M6-c

About David Smart

With over 20 years of experience in financial services, he has focused on providing retirement planning services for the last 12 years. He believes in treating others the way he wants to be treated. He prioritizes understanding the needs of his clients before seeking to be understood.

Learn More: https://www.smartbenefitgroupllc.com/

The following concepts have been simplified; however, each individual has a distinct situation and should, therefore, consult a tax preparer about how the concepts will impact their tax outcome.

Recent news and interviews:

• David Smart Discussing Transitioning from Accumulation to Distribution Mindset David Smart, CEO Of Smart Benefit Group, Discusses Transitioning From An Accumulation To A Distribution Mindset. – Authority Press Wire

• David Smart Discussing Ensuring a Lifetime Income David Smart, CEO of Smart Benefit Group, Interviewed on The Influential Entrepreneur Podcast Discussing Ensuring a Lifetime Income – Authority Press Wire

Media Contact
Company Name: Marketing Huddle, LLC
Contact Person: Mike Saunders, MBA
Email: Send Email
Phone: 7202323112
Country: United States
Website: https://www.AuthorityPositioningCoach.com