Seniors: Save your Family From Financial Burdens With Pivotal Life Insurance

At the Greater South Florida Chamber of Commerce, we are dedicated to providing the best business expos in South Florida.

1. Pivotal Life Insurance.
2. Longbridge Financial.
3. Compass Health.
4. Thema Brain Health.
5. TCM Physicians
6. Palm Beach Research

Episode Transcript

(00:00):
Welcome to the Greater South Florida ChamberRadio program with your host to board president
John Kroll of Kroll Realty. Goodmorning, Welcome back to the show on
Saturday, May fourth, twenty twentyfour. We're privileged to be here in

(00:23):
West Palm Beach, Florida. iHeartRadio. We're now streaming on the iHeart app.
Have with this longtime corporate trustee,Ambassador Andy Cohne. He has wife
Greta Cone or the owners of PivotalLife Insurance. Andy. What I'd like
for you to do is, Iknow one of your targets are seniors.
Talk a little bit about your organization. Give out the web address, phone
number, name of your company,how people can get a hold of you,

(00:44):
and if everybody wants to reach outto you to do a consultation,
touch on what the procedures would be, and give some background on what you
do, why you're doing it,and how you're going about doing it.
Go ahead, sir, sure,sure, sure, sure, thanks for
having me absolutely. First off,so myself and my wife, as you
mentioned, we own an agent seecalled Pivotal Life Insurance, and we do
we focus on seniors and what wefound is that a lot of seniors have

(01:06):
life insurance, which is a goodthing. They need to make sure they're
prepared to make sure there's no burdenon their family. But unfortunately a lot
of the policies they find themselves intothey got twenty thirty years ago, and
they may be term insurance, theymay be universal life, and they have
distinct differences between those and whole lifeinsurance, so they may be expiring,

(01:26):
they may not be aware of that. So we uncover a lot of vulnerabilities
and offer a free review, orwe go through that with them and just
make sure the families are properly protected. To take it a step further,
you asked how they reach us.You can find us on the web.
Our web address is www dot insuranceispivotal dot com and our phone number is

(01:48):
five six one four one two fivefive zero zero. They can reach out
any time. We'd love to hearfrom anybody that has any questions and of
course that they need insurance, somethingsmall to make sure their family's protected,
something large as well. We havea range of offerings. We're brokeer.
We work with over twenty carriers,so we can help with any any specific

(02:10):
needs. Just reach out. Again, it's five to sixty one, four
one two, fifty five hundred.Now you touched on a couple different components.
There there are different types of insurancewith what you're doing versus those other
components. Elaborate on what the majordifferences are, well, it gets complicated,
I will say that. And that'sone of the problems, right.
A lot of people that buy insurancedon't really have a handle on what they're

(02:34):
getting, correct, you know,they bought it thirty years ago, twenty
years ago, even recently, andthey're a little bit fuzzy on the details.
And unfortunately the people that sold itto them did not take the time
to explain how it works. Andthere are there are three different types of
policies. Term insurance is for aspecific timeframe a term, and a lot
of times within the term, therates are going to go up. But

(02:58):
when that term ends, it expires, and that doesn't have any cash value,
so there's no other benefit besides youknow, peace of mind and of
course potentially a death claim. Andthen there's whole life, which is permanent
lasts forever, generally considered to bea little more expensive, you know,
depending on when you get it andhow healthy you are. But there are
programs designed for seniors on fixed income. People call them burial insurance or final

(03:21):
expense insurance, but those are wholelife products that are designed just to cover
the cost of final expenses so there'sno burden left on their family. And
a lot of people again they think, because it's whole life insurance, it's
going to be too expensive, butthose are designed for seniors once they're living
on fixed income. The permanent policiesor whole life that's the only thing that's
permanent. There's also something very complicated. They call it universal life, right,

(03:45):
and universal life is, yeah,you get it from the big companies.
It has cash value, it's nice, it can potentially be less expensive
than whole life insurance and has someupside and some potential benefits. But it's
not design typically to be permanent.And a lot of times when you get
that you don't know until it's toolate. That's important. And obviously I'm

(04:08):
guessing when you're talking about things thatwere purchased thirty years ago and excess of
thirty years ago, they've become outdatedand there's new variables that play into the
factory. Incorrect. Oh, absolutely, I mean your situation changes, right,
correct, You know, when you'rein your primary earning years and you
want some family protection to make surethat if you're the bread winner, yeah,
you get your mortgage paid off.If you happen to pass, you

(04:29):
know, it's a tragedy and you'reprepared for that, it's great. But
when you're you know, living inyour retirement age and in these latter years,
you definitely need to make sure thatyou're properly protected, and it's a
different type of program that you reallyneed. Yeah, it's ironic when you
touch on that, because I sawa statistic I want to say it was
a few months back at the veryend of last year the beginning of this

(04:50):
year, in the first quarter,there was statististics that was going around and
said that eight or nine out often Americans lived what they can hand them
out week to week, check tocheck, bi weekly, monthly, have
less than five thousand dollars in theirsavings accounts, and over sixty or seventy
percent of them don't even have youknow, final expansion insurance and the price
of a funeral could be you know, forty fifty sixty thousand dollars could be

(05:13):
a heck of a burden on yourkids or your family. So I think
it's really important that people look intothe product line that you offer. Yeah,
absolutely, And to talk about thecost of funerals. I mean,
you're right on. It's unbelievable,it really is, and people aren't necessarily
prepared for that. People still thinkit costs ten to twelve fifteen thousand dollars,
right, Yeah, maybe ten yearsago you can get away for those
numbers, but these days, withinflation, especially after last you know,

(05:35):
five years or so, it's reallyjust out of hand and people aren't prepared.
So, you know, we doa lot of educating on that subject.
Actually, we go to senior communitiesand talk about those current prices,
and you know, it's it's thefacts that we hear and what we see,
and based on our research, it'sunbelievable. You could easily pay thirty

(05:57):
forty thousand dollars for this, andif you're not prepared, you don't have
the money, and you're living onfixed income, you don't have it.
Save that burden is absolutely going tofall your loved ones, and people don't
want that. Yeah, No,that's a tough burden. You don't want
to put that on your loved ones, and you know, it seems like
everything's went up, the value ofthe dollars went down. Obviously we're at
a crossroads with their economic status inour country, probably more so than any

(06:18):
time in my lifetime. But hereagain, it's like there's still options out
there for people. That's why Ifeel it's really important for us to try
to help you bridge that gap andopen those doors to get you into the
senior community centers that you want toget into, and get you into the
facilities where you can do the lunchand learns and educate the people that live
there and help them because a lotof them, you know, were relying

(06:40):
on different entities that their families haveput out there, or they're relying on
the placement counselors in those facilities,whereas it would be really beneficial for you
and rather and your team to goin and do one on ones with the
people and let them know that youknow, you want to be able to
help them in any capacity that youcan, because it's very important that that
happens. Yeah, it's very important, and we focus on that education piece

(07:03):
of it because you know, whathappens is and understandably so when somebody hears
life insurance, they think, ohmy gosh, I don't need life insurance.
I already have it. They runthe other way. They don't want
to talk to somebody that's there theyfeel to sell life insurance. So absolutely,
we educate and we make sure thatit because they already have life insurance,
they understand those dirty details that they'reprepared. So getting in front of

(07:26):
those seniors is critical. What wefound, actually, Rob is about seven
out of ten seventy percent have notnecessarily I don't want to say the wrong
insurance, but a product that theydon't quite understand, don't know how it
works, and you know, they'releft vulnerable. So seven out of ten
is potentially a problem. That's whywe want to make sure we get in
front of them and educate them.Absolutely, i'm hearing that music in the

(07:47):
background, it means we've come tothe end of the interview. It's impossible
to cover everything in one segment.That's where we're going to be conducting a
series of interviews with the Andy andGradu and their team over the next six
to twelve weeks. Once again,I want you to give out your phone
number, address and contact information.If anybody wants to set up a consultation.
Of course. The company is calledPivotal Life Insurance. We're out of
South Florida. The phone number isfive six one four one two five five

(08:11):
zero zero, and you can findus on the web and reach out to
us that way through our website atinsurance ispivotal dot com. Insurance ispivotal dot
com again five six one four onetwo five five zero zero. Look forward
to hearing from you all once again. We're streaming live on the iHeart app
on Saturday, the fourth of Maytwenty twenty four from iHeartRadio in West Palm

(08:33):
Beach, Florida. I know latertoday a lot of people will be heading
out to SunFest today and tomorrow,and you want to thank you and your
team for being with us this morning. Have a wonderful weekend, and God
bless my friend. Thank you.Are you one of the seven out of
ten seniors with life insurance but don'tknow the details or even if it's permanent.
Don't be caught off guard with coverageexpiring with no money returned. Ensure

(08:54):
your legacy with ironclad coverage from PivotalLife. Gain piece of mind with a
free policy review for seniors fifty toeighty five. When you mentioned Greater South
Florida Chamber, call five six onefour one two fifty five hundred. That's
five six one four one two fiftyfive hundred. Pivotal life, protecting your
family's future. Good morning, Welcomeback to the show. It is Saturday,

(09:16):
May fourth, twenty twenty four.We're privileged to be here at iHeartRadio
in West Palm Beach, Florida,where we're now streaming on the iHeart app.
Later today from eleven am to fourpm, we'll be out at the
Canyon Amphitheater at Point In Beach onthe corner of Lyons Road and West Point
Beach Boulevard for the Healthfare and HomeShow. With us this morning is corporate
Trustee Ambassador Raymond Anton, who workswith Longbridge Financial and what they do is

(09:39):
specialize in reverse mortgages. What it'dlike for you to do raise give about
your NLMs number and I want toget right into it this morning. There's
so many misconceptions and there's so manymisnomers regarding reverse mortgages. I want to
find out what's myth and what's fact? Go ahead, Ray, all right,
So again, my name Ray antonn mls number three seven five four

(10:00):
seven to two and I can bereached at ninety five four three three two
zero one four to three Y.The myth one, the bank or lender
takes ownership of my home with thereverse mortgage. Your your estate continue to
retain ownership of your home's title.The lender's interest is limited to the outstanding
loan balance. As a lean onthe property. Myth too, a reverse

(10:20):
mortgage requires me to make monthly mortgagepayments. There are no monthly payments required
on a reverse mortgage. You havethe freedom and flexibility to pay as little
or as much as you want,as often as you like. However,
as a borrower, you are stillresponsible for the taxes, insurance, and
property maintenance. My errors will beresponsible for repaying the loan. So,

(10:41):
since the reverse mortgages are what areknown as non recourse loans, the lender
can only derive repayment of the loansfrom the proceeds from the sale of the
property. Even if the value ofthe home is dramatically reduced. Your your
errors will never owe more than thevalue of the home, and when the
loan becomes due, your errors haveseveral options on what they can choose to

(11:01):
do with the home. They canrepay the loan and keep the home for
themselves, sell the home and keepany remaining funds, or do nothing and
deed the home to the lender.To qualify for a reverse mortgage, my
home must be debt free and payit off free and clear. You can
have a mortgage or other debt onthe homes title as long as you have
adequate equity in the property. Ifthere's a mortgage on your home, the

(11:22):
money from the reverse mortgage is firstused to pay off that loan, and
since no monthly mortgage payments are requiredon reverse mortgage, you can eliminate that
monthly expense and pre up more cashto use as you see fit. Reverse
mortgage lenders just want to sell myhouse. You can stay in your home
for as long as you want,as long as you meet the terms of
the loan, which is paying thetaxes and the insurance and keeping the maintenance.

(11:43):
Should you decide to sell your homeand relocate, the loan would then
become due and payable. If Iget a reverse mortgage, I'll be left
with nothing to leave to my errors, since you be borrowing money against the
value of your home and accruing loaninterests and mortgage insurance payments. The loan
amount would increase over time. Thatsaid, the home should appreciate and value,

(12:05):
so it's likely that there will bemoney left over from the sale of
the house that would go to yourairs once the loan is paid. I
cannot sell my home if I geta reverse mortgage. A reverse mortgage is
like any other loan. If yousell your home, the reverse mortgage will
be paid off at closing, andthere are no prepayment penalties for paying off
or selling the home in advance.A reverse mortgage should be used as a

(12:26):
last resort. Lots of financial expertsare using a reverse mortgage as a powerful
financial tool that can be important partof your overall financial plans, from paying
off an existing mortgage, to delayingSocial Security or even creating an emergency line
of credit. It's a flexible productdesigned to give you options. Reverse mortgages
are expensive. Reverse mortgage loan originationcosts and interest rates are comparable to those

(12:48):
of traditional mortgages. Realistically, theyare a little bit higher, but that's
because the lender might not get paidfor twenty thirty years down the road.
There are also FAHA insurance costs thatsome traditional mortgage do not require, but
the insurance benefits are usually worth therelatively small costs and the closing costs and
fees are typically financed in the loans, so there's little out of pocket expense.

(13:11):
If my lender or service or changesmy loan terms are subject to change
the terms of your loaner to findit closing and by law cannot be changed
as long as the deed remains inforce. Obviously you're an expert long Ridge
loan officer, you specialize in reversemortgages. Give a little background on your
story, how you got involved withthis, a little background on your company

(13:33):
because I know they're considered one ofthe premier companies throughout the country to deal
with. Yes, and obviously thisisn't a program that is for everyone.
But with everything going on out there, specifically for our seniors who are hand
them out, they can't afford theirprescription drugs. You know, they can
barely afford to pay for groceries costif everything's going up, the value of
the dollar is going down. Givesome scenarios on how this could play out

(13:56):
and how it could work for individuals, and then touch on how they go
about setting up a consultation with youor someone from your team. Sure well,
long Bridge is one of the largestreverse mortgage lenders in the business.
Unfortunately, due to the rising interestrates that we've had over a couple of
years, some other lenders have goneaway and the loan to values have gone

(14:18):
down a little bit. But thatbeing said, this is still a great
product for people that maybe have had, you know, a certain plan of
how they were going to live andthen with rising prices of everything now they
find themselves a little bit short.But this allows them to access the equity
in their home. And there's variousways we can do this. We can
do this as a lump sum.We can do it as a line of

(14:41):
credit that they can access as theyneed. It can also be done as
a monthly supplement. They can helpyou know, in addition to that,
say soci security or pensions. Soeveryone's story is different. So that's why
tell people give me a call orthe consultation's free. I give them what
the numbers look like, and ifit looks like it's a benefit, then
we can proceed. There's no hardsell, there's no uh you know,

(15:03):
it's it's that you like the numberswe continue. If not, then you
at least learned at least a differentoption of what you have available to you.
That's perfect, you know, Ray, I'm looking forward to having you
out of all the upcoming events.I know that you've got a lot of
stuff going on, and I weappreciate you taking the time this morning to
be with us as you do eachweek, try to educate the listening audience.

(15:24):
We want someone from to reach outto you and set up some consultations
with you and your team, Andone more time before we sign off this
morning and let people know how theycan get a hold of you until we
have you on next segment, myfriend, sure again, Ray Anton,
and the free consultation could be hadat my cell ninety five four three three
two zero one four three and it'llRay'll be with us on May eighth and

(15:46):
sunrise at the Colony Club, andbe with us on May twenty second at
Charlotte Burry And then he's also oneof the sponsors for the event we're doing
on the fifteenth of June. It'sMiami Springs Country Club. Really looking forward
to working with you. I wantto thank you for your time this morning.
You have a one to per weekend. We're now signing off from iHeartRadio
on Saturday, May fourth, twentytwenty four. We're now streaming on the

(16:06):
iHeart app. Thank you, Ray, Thank you. Long Bridge Financial is
a proud member of the National ReserveMortgage Lenders Association and our MLA and fully
subscribe to its code of Ethics.Long Bridge Financial offers a range of reverse
mortgage products to help you make themost of your reverse mortgage to help you

(16:27):
have a more comfortable financial future.They can be your lender for life.
With in house servicing, you getonline access to your loan twenty four hours
a day, seven days a week, three hundred and sixty five days a
year. Long Bridge Platinum is alow cost heeelock alternative that could allow you
to tap into even more of yourhome's equity. Long Bridge Financial is the
place to turn if you've been thinkingabout a reverse mortgage and how it can

(16:49):
help you. You owe it toyourself for the future, and now it's
time to find out. Learn moreabout long Bridge Financial, superior service and
our guarantee in writing to you atLongbridge dash financial dot com. That's Longbridge
dash Financial dot com. Longbridge Financialis the path you want to take.
Longbridge Financial the Power of Home.Good morning, Welcome back to the show.

(17:14):
It is Saturday, May fourth,twenty twenty four or later today.
The next guest will be out atthe Boynton Beach Canyon Amphitheater on the corner
of West Point Beach Boulevard and LionsRoad, what they call Canyon Amphitheater for
the Healthfare and Home Show, whichruns from eleven am till four pm.
Set up us from ten to eleven, where they're from eleven till four,
tear down from four to five.Have with us Alex Radley, who is

(17:37):
one of the business development officers andmanagers for Corporate Trustee Ambassador's Compass Health.
They are Blue Cross, Blue ShieldFlorida Blue providers and they are preferred vendor.
They're the ones we use exclusively.And what I want to do is
I want to get right into it, Alex. There's a lot of things
that your organization does that other companiesthat within the industry don't do. And

(18:02):
what I want you to do isyou cover a lot of territory. You
run from Miami to Jacksonville, andyou and your team have seventeen eighteen stores
throughout the state. I want youto give the primary phone number, how
people can get a hold of you, the web address, and I want
you to talk a little bit aboutwhat separates you from the other companies that's
out there, because you do somany things well. Most people don't do

(18:23):
that. If it's a hybrid situation, they'll have one or two things that
they do extremely well. But youguys are doing it the old fashioned way,
dotting all the i's, crossing allthe t's. I'm real redundant about
this, but customer service is paramountwith your organization, and unfortunately, in
today's society, regardless of what theindustry classification is, customer service is almost
non existence. A lot of itis outsourced. But I watch you and

(18:47):
your team your hands on from startto finish, and you stay with your
people every step of the way.Go ahead and introduce yourself and let's get
right into it this morning. Yeah, So my name is Alex Rabdam.
Here with Compass Health or a localaid and see with Blue Cross Blue Shield.
So I work out of our Palmeach Garden store. Our location is
nine to nine two zero alternate Aone A suite eight twelve Palm Each Gardens,

(19:08):
Florida three three four one zero.Our office number, best place to
reach me five six one three twoeight nine four zero one. You can
always reach me on my email aswell at a radley at Compass Health Insurance
dot com. That's a R AD L I at Compass Health Insurance dot
com. You can also check outour well our website, it's Compass Health

(19:30):
Insurance dot com. So, youknow, one thing we do at Compass
Health is, you know, wereally take the time with every customer we
speak with to really you know,identify their needs and help them pick the
plan that aligns the best with them. You know, no two people are
the same, So we'll take awe'll do an evaluation, see if there's

(19:51):
any prescriptions that need to be covered, any doctors that are important to be
covered, and just make sure weget a plan that is you know,
priced right for you. And andbefore you sign up, we just want
you know, we make sure everyone'saware of what they're signing up for so
when they use the plan, there'sno surprises. You know, all our
plans we have copays flat rates,so it offers predictability when you go to

(20:12):
use the plan, you know exactlyhow much you're going to pay. And
we don't just help out at theinitial you know, sign up of the
policy, but throughout the duration ofthe policy. You know when you guys
have a price. If there's evera problem down the road when people are
using their policies, I'll be aphone call away. I'm always reachable,
you know, whether it's weekends,week days. That way, you know,

(20:32):
if something arises for you, anykind of issues, will be there
to help out. You know,a lot of people they get signed up
on insurance and then when they goto use it, they see a ton
of surprises and things aren't getting covered. So when that kind of stuff happens,
instead of having you know, youdial a one eight hundred number and
get a random representative. You canspeak directly to me and I'll be going

(20:52):
to bat and making sure everything's gettingcovered accordinate your plan. You know,
obviously within your industry, things changefrom year to year. That's going to
happen. There's always going to bechange, and sometimes change can be positive.
Sometimes people are resistant to change becausethey they're conservative in nature and they
don't like the change. What arethe two or three most common things that

(21:15):
you see that you would want toshare with people to look out for so
that they're not caught by surprise.Obviously, I'm going to guess prescription drugs
can change, whether it's the typeof drug, the cost of the drug,
and then obviously at some point intime people's doctors retire, some of
them perish, and then I knowthings change in the different components with the
coverage from year to year. Correct, yep, yep. And you know

(21:38):
that's why I say we are here, you know, from the beginning of
the policy to the end of thepolicy, so when any changes are happening,
we'll always be keeping our clients updated, so you know, when those
changes do happen, it's not asurprise to them. A lot of people
when they do experience those surprises becausethey're never aware that you know, there
are any kind of updates going on. Now. We may may not be

(21:59):
able to control some of the updatesthat helped or that happen in the healthcare
industry, but we'll be here tolet you know of them and will always
be there to evaluate your options.So if something does come up, you
know we'll be able to show youwhat your options are. That's extremely important.
Extremely important. Obviously with the customerservice side of what you do.
That's really important because I think thatthere are many people out there when you

(22:23):
hear the horror stories, they feellike, you know, well, once
I signed up, I didn't hearfrom them again, and they were impossible
to get a hold of, andyou know, and there's companies out there
like that. I went through thatwith an automobile insurance company. It was
like, you know, they promisedme the world, they didn't deliver,
and then when you try to reachto them, I mean, you couldn't
get them by phone, you couldn'tget him to return an email, and

(22:44):
they didn't return text messages. Itwas like, that was tough. But
I know that getting to watch youand your team interact with people at all
their different events and watch the youknow, you really care about your people
and you're looking for referral business.So obviously, if you take good care
of these people, they're going torefer other people to you. So and
I know you guys, do youguys do a lot of referral business.
Touch on that, yeah, yeah, you know, Rob, you make

(23:07):
a great point. I think that'swhat sets us apart from the rest is
our customer service. You know,we wouldn't be able to obtain that those
kind of referral businesses without you know, providing good customer service. You know,
people aren't going to tell their friendsand family members, you know,
about us unless we're providing good service. So I mean, you know,
we, like I said, everyday, not just weekends or weekdays,

(23:30):
weekends, I mean anytime we're hereto help out. And I mean,
you know, I've had a lotof clients, like you said, horror
stories where you know, I comein and they have certain things that aren't
getting covered. And I mean Idon't care if it takes hours, you
know, or days, I'll beyou know, persistent with these insurance companies
making sure that they're holding up theirend of the bargain. You know,

(23:51):
a lot of the times it comesdown to something as simple as you know,
a code that they're using, somethingwas miscoded or something was you know,
build inaccurately. And it's my job. I take personal responsibility to make
sure that you know, Blue Cross, Blue Shield and any insurance company is
holding up there into the bargain.That way, you know, people are
getting the exact benefits they signed upfor. I'm hearing that music in the

(24:14):
background me. So we're coming tothe end of this particular segment. But
you know, Alexin's team are regularsat all of the events. They are
our exclusive Florida Blue company we workwith Lacross Blue Shield. They're regulars on
the radio programs. And what I'dlike for you to do is give about
your pertinent contact information before we signup and remember folks. Later today from
eleven am to four pm, alexSin's team will be at the Canyon Amphitheater

(24:37):
on the corner of Lions Road inWest Point in Beach Boulevard. If you
have questions, you can come meetthem in person. Yep. We look
forward to helping out any friends andfamily that you may know. So you
can find me either at my officeat nine to nine to two zero Alternate
A one a week eight twelve PalmBeach Gardens three three four one zero,
or you can always shoot me acall on my office number five six one

(24:59):
three two eight nine four zero one. No matter where you are in Florida,
you know we'll be here to help. Alex I want to thank you
once again. It's been Alex Radleyfrom Compass Health. Thank you so much,
Alex. We're now signing off fromiHeartRadio on Saturday morning, May fourth,
twenty twenty four, West Palm Beach, Florida, where we're now streaming
on the iHeart App. Thank you, sir, all right, Thank you

(25:19):
Rob, Thanks for having me.Take care shopping for medical or life insurance,
your one stop shop is Compass Health, with representatives available all year round
to enroll. Compass Health is aFlorida Blue authorized agency with sixteen years of
experience assisting Floridians. All Compass Healthrepresentatives are fully trained, licensed and certified.

(25:44):
To speak with a licensed agent calledseven seven two five four six ninety
two ninety nine, or visit Compasshealthinsurancedot com. Compass Health, Your Plan,
Your Choice, Good morning, Welcomeback to the show on Saturday,
May fourth, twenty twenty four.Were privileged to be here this morning at
iHeart Radio in West Palm Beach,Florida, where we're now streaming on the
iHeart App, and later today fromeleven am to a four pm, This

(26:07):
Gentleman's team will be with us atCanyon Amplitheater on the corner of West Point
and Beach Boulevard and Lions Road,for the Healthfare and Home show that we're
doing. It's doctor Robert Colton fromTHEMA Brain in Boca Ratona, Florida.
What I'd like for you to dois talk a little bit about them a
brain institute, what you do,how you're doing it, and why you're
doing it, and how it cameabout. We got about eight or nine

(26:30):
minutes this morning. I'd like youto get right into it for us.
Go ahead, sir, okay,sure, okay, Well, you know
I spoke to you. I spokeabout our company last week or a couple
of weeks ago. So basically whatI'd like to talk about today is the
whole issue of people with cognitive decline. As we get older, the risk

(26:52):
of cognitive decline goes up, whatwe call neurodegenerative disease, and the more
common one on is Alzheimer's disease.But we know, we know that the
pathology that creates this illness can startfive, ten, twenty, even thirty
years before there are any symptoms.So what we're really and we also now

(27:17):
that know that they're both medical andnon medical therapies that can prevent the disease
or slow the regression of the diseaseor make it come on years later,
so most people aren't aware of this. And what's happening in the country is
most people go to see a neurologistif they get memory loss, and sometimes
even late into the process, bythe time they see the neurologist, there's

(27:41):
already damaged on the rain shrunk,they're scarring, and you know, most
of the therapy at that point doesn'twork to slow the disease down, and
it's just symptomatic treatment, you know, you know, make their calm or
get rid of their anxiety. Maybemaybe some medicines that raise the acetyl colon
levels in the brain and make themthink a little better of it, but

(28:02):
it doesn't change the course of thedisease. The way to change the course
of the disease is to diagnose ityears earlier before there are any symptoms,
or when they're very mild symptoms,what we call mild cognitive impairment. And
what's happened is that the iss there'smore research and more advances in the treatment
of cognitive decline in the last twoyears than there were in the previous fifty

(28:26):
years. It's there's a new dawnand the treatment of cognitive decline, and
it's reaching a tipping point where we'regoing to be able to treat this,
just like we treat people with hypertensionwith hyprid lipidemia by treating the risk factor
and treating the treating any treating theproblem before they actually have a heart attack

(28:48):
or a stroke. Now that theway we can now diagnose people earlier through
these blood tests called biomarkers. Itused to be the only way you could
diagnose Alzheimer's disease was an autopsy.You would go in the brain and see
these amyloid plaques. Then a fewyears back, maybe ten years or so,
they were able to do spinal tapsand look at the fluid to see

(29:11):
if there was amyloid in the fluid. But spinal taps invasions, and certainly
everybody doesn't want a spinal tap,so we were only doing spinal taps on
people with symptoms. Now, inthe last year or so, they've come
out with these blood biomarkers that measurethe levels of amyloid in your blood,
and also another protein called TAO,which creates something called neurofibrillary tangles in your
blood, so we can pick upamyloid very very early, like I said,

(29:36):
years before the patient actually has anysymptoms, and then treat them with
all kinds of lifestyle modifications. There'sother treatments and now there's a new medication
called lacanamap er lutmbi that actually stripsthe brain of amyloid. And there are
also a bunch of existing medications thatare being tested now to see if they

(29:56):
will actually slow the disease down someof them. One of them actually is
are these ozembic medications, the golpie recept dragonists they may actually have a
role here. And then there's abunch of other medications that may have a
role. So our business is allabout having people come in with the risk
factors and doing an initial cognitive evaluation, measuring their biomarkers and determining if they're

(30:21):
at risk. If they're at risk, to try to mitigate that risk through
lifestyle changes in medication. Now,one group that's very interesting as women.
Women have twice the risk of Alzheimer'sdiseases men and a lot of people think
it's related to the loss of estrogenduring menopause, and studies have shown that

(30:42):
some of the measures of cognitive functiondrop off during menopause with women, and
there was a study years ago calledthe Women's Health Initiative that didn't show any
benefit from estrogens, but it wasprobably because they were given at the wrong
time. The right time to givehormone replacement is at the very beginning of

(31:02):
menopause for people who are at risk. And one thing that women feel during
menopause that they often get this thingcalled brain fog where they say they can't
remember things and they're confused or they'renot as sharp as they was. So
brain fog may be a risk fordementia later on. And so what we're
recommending is women who are feeling brainfog should come see us. We can

(31:25):
do a cognitive evaluation of blood testto see if they carry the gene for
there's a gene called apoe that's fordimension. We can even measure their biomarkers
and be able to intervene now whenthey're fifty so they don't get dementia when
they're eighty. So there's the otherthing is we want to see anybody who
has a family history of Alzheimer's disease. They're worried they might get it,

(31:49):
and I think what a lot ofpeople are doing right now is they just
have their head in the sand andthey're saying, well, I hope I
don't get it, and if Iget it, there's nothing you can do
anyway. Well, nothing could befurther from the truth. Right now,
a lot of things that people cando and they need to treat their brain
like they you know, and protecttheir brain like they're protecting their heart and
like they're protecting you know, likethey're getting screened for cancer and so forth.

(32:12):
That's very impressive. Sounds to melike you folks are cutting edge technology
and you're really you're trailblazing. Yes, yes, we're trailblazing and cutting edge.
And I think that you know,the medical world, the standard medical
world is always slow to adopt thenewest knowledge and technology. It takes years
once something is known before doctors startto do it. You know, this

(32:35):
is a big change for doctors tosay go from gee, there's nothing we
can do to wow, we needto diagnose it twenty years before you have
it and intervene. So, yes, I think we're at the cutting edge.
We have we have wonderful academic neurologistswho are our advisors everything we do
is what we call evidence based,so it's based on really top notch research.

(32:55):
We're not going to recommend anything thatdoesn't have research blind Some supplements may
be value that people always ask aboutsupplements each but the supplement prescription it differs
for each person. Some people requireone thing, some another based on their
genetic profile on other and their sex. So to just say to everybody go
take this particular supplement is wrong.That is true. You know, we

(33:21):
have about a minute or two left. One thing I think I'm happiest about
was working with you and your team. I think I shared with you privately
at the networking event you're here withus last month. My father made it
to ninety seven, and he wasgreat until ninety five and he had cancer
and he beat it, but unfortunately, dimension Alzheimer's killed him. And it
was really unfortunately because he was avery intelligent man and you know, at

(33:43):
the end he couldn't read. Hejust sat there. He never became violent,
but by the same token, it'sjust a debilitating disease and it's hard
on anybody and family members to seethat. So kudos and hats off to
you and your team for what you'redoing. Really excited about conducting his series
of interviews with you over the courseof the year and having you out at
all the different healthcares that you'll beattending before we sign up, and want

(34:06):
you to give you a pertinent contactinformation how people can get a hold of
you if they want to set upa consultation to come in and see you
and your team to help their familymembers. Go ahead, okay, well
they the best way to get tous is they can. They can.
They can go on the website toSEMA brainhealth dot com and make an appointment

(34:30):
online, or they can call usat five six one nine eight zero zero
zero two are We are in theresearch park at Fau. Our address is
We're right on Fau Boulevard with threenine nine eight Fau Bullard Sweet one twenty.

(34:50):
We're right off the intersection of Ininety five and Spanish River Boulevard.
Very easy to get to and we'reopen Mondays through Fridays all day. I
want to thank you for taking thetime to be with us this morning.
We're now signing up on Saturday,May fourth, twenty twenty four from iHeartRadio
on West poone Beach, Florida,where we're now streaming on the iHeart app
Thank you, sir, Thank you. Are you concerned about your brain health?

(35:15):
THEMA brain Health can help. Ourexperts can help you identify modifiable risk
factors that contribute to cognitive decline.With our help, you can take control
of your brain health and keep yourmind sharp even better. We accept medicare.
Don't let aging dictate your cognitive health. Call five six one nine one
eight zero zero zero three or visitTHEMA Brainhealth dot com to learn more.

(35:37):
Aging is inevitable, cognitive decline isnot. THEMA Brain Health keeping your brain
at peak performance. Good morning,Welcome back to the show. It is
Saturday, May fourth, twenty twentyfour. We're privileged to be here this
morning at iHeartRadio in West Palm Beach, Florida, where we're now streaming on
the iHeart Appen later today from elevenam to four pm at the Canyon Amphitheater

(35:57):
on the corner of West Point andBeach Boulevard and Lions Road. You can
meet doctor Campbell in person. It'sdoctor Walter Buck Campbell from I Love My
Vision Institute and also Traditional Chinese medicine. And this morning, what we're going
to talk about is cholesterol and fat. Go ahead, doctor Campbell. Well,
Hi, yeah, we now we'vebeen since seventy nine, we've been

(36:22):
inundated with this good and bad cholesterol, and there's a lot of compelling research
to show that maybe a lot ofthat isn't as true as they they say
it is cholesterol good and bad oryou know they call it HDL and LDL

(36:45):
light. These these cholesterols have afunction, and the fat function in your
body is imperative. Brain is dependingwho you listen to, fifty to seventy

(37:06):
five percent cholesterol. All the mildsheets that coach your nerve cells, the
axons and dendrites they're coated with insulationis fat. It's all cholesterol. All
your glands are cholesterol. A woman'ssubtle skin is fat. You need it.

(37:30):
Now they've come up with some fancyfats. That's a turned to century
which humans weren't used to eating.These seed oils and the production of these
seed oils. They claim there's nocholesterol in it, but this fat,
the way they produce it is Iin my opinion, is anything but elsy

(37:55):
corn oil that's mostly genetically modified.You know that most of those toxins,
the glyc to say round up bleedkiller and the BT toxin that was taken
that took the DNA out of acaterpillar and put it in the corn so

(38:17):
that if a bug or a wormstarts to eat the corn or any part
of the corn, planet's stomach explodesin twenty minutes. So you know this
is and this is okay for you. And most of this stuff I think
is concentrating in the oil, andso corn oil, cottonseed oil, which

(38:39):
is you know, not the greatestoil in the world. I think Crisco
is made from it, and Idon't think it's as regulated as it should
be because they have the bow weevil. You know, you read between thirty
and forty seven insecticides on the bewhat on the bow weavil that attacks the
cotton, And it's unregulated because youdon't eat cotton, but you're eating cottonseed

(39:04):
oil. And again the oil mayconcentrate these toxins into the oil and not
good statins zokor crestal lipator, allthese statin drugs that are supposed to lower
your cholesterol. You know, theyinhibit your liver from going through a cascade

(39:29):
cycle to stop deliver from making cholesteroland your body needs it. I'm sorry
again, this is my first opinion. I'm an alternate physician. Your regular
Western doctor will probably tell you thatI'm crazy, and the researcher is out
there. In seventy nine, Alzheimer'swas totally unheard of. Now, you

(39:55):
know, I don't know what thenever is, but it's a lot of
a lot of old people are dyingof Alzheimer's that never used to die of
Alzheimer's. And in my opinion,I don't think one of the contributing factors
is the brain is getting enough fat. Also, you know, it seems

(40:15):
as though the facts that are natural, like callow fruit oils, alvocado oil
seems to be okay, doesn't seemto cause any wrecking ball problems. Coconut
oil, which is a saturated fat, but it seems to do okay,

(40:38):
especially it can take high temperatures whenyou cook with it. All these other
seed oils go into trans fat themoment you start eating it up, and
this trans fat really glues things up. Now, the processing of fat in
the body is unique. You know, you swallow this this Let's say you

(40:59):
have some olive oil and some butteron your bread and you chew it up.
It goes in your stomach. It'schurned with acid in pepsine and goes
down after it's turn and for awhile it goes down into the dwadenum and
the gallbladder pumps its bile and pancreasdigestive enzymes. It turns it up,

(41:22):
and then after it turns it up, it goes down. That a small
intestine where ninety percent of absorption occurs. Now it's unique in the small intestine
is that you know, you thinkall the nutrition is absorbed in the intestinal
wall through what they call capillary bloods. The arteries form these small spiderwebs that

(41:45):
absorb the nutrients, but they onlyabsorb. They only absorb the nutrients in
the in the food. They don'tabsorb fat. Fat is absorbed by the
lymphatic system because the fat molecule istoo big to go through the capillary bed

(42:09):
so and then it's routed up tothe up to the heart, through through
the lymphatic system and dumped into theheart. And that's how the fact gets
in the blood system. Well,the thing is that the fat had a
hard time because of this. Allits fancy fat we're making that it really
isn't good and it's saturated and it'snot saturated, but it's trans fat.

(42:36):
You know, this fat has tocome out of the artery that it was
too big to go into. Amazing. I think most of the clogging is
coming up in the in the arterial, in the capilary bed that it can't
deliver the goods. So you know, fats as we've known it are not

(43:02):
what we think they are. Fatis good for you. If it's good
fat, animal fat, if itdoesn't have a bunch of toxins in it
from the feed and the antibiotics andthe bovine growth hormone and on and on
and on, is actually good foryou. That's my two cents. I
love it. Doc. Go aheadand give your contact information for anybody wants

(43:25):
to get a hold of you.Do a consultation before we sign off this
morning. Remember later today from elevenam to four pm, you can meet
doctor Campbell in person Canyon Amphitheater Pointand Beach Boulevard and Lions Road. Go
ahead, doctor, Okay, hereyou go. It's we're in Lauderhill and
you can reach us at three ohfive seven six zero two four one four.

(43:51):
If you like to see some happypatients in their own documentation in our
videos on YouTube, go to YouTubedot com. Plug in doctor Walter Campbell
in a search engine and you'll besome happy patients that we're really happy with
our services. Also tcmphysicians dot comttmphysicians dot com. It gives more deeper

(44:16):
analysis of what we're all about andwhat we do. And thank you again
for all you do. I appreciatethat doctor you as well. We appreciate
you start and look forward to seeingyou later this morning. And we're signing
off now this morning from iHeartRadio onWest Palm Beach, Florida, where we're
now streaming on the iHeart app onSaturday, May fourth, twenty twenty four.

(44:37):
Good morning, Welcome back to theshow. On Saturday May fourth,
twenty twenty four. We're privileged tobe here at iHeartRadio on West Palm Beach,
Florida, where we're now streaming onthe iHeart app. Our next guest
is Palm Beach Research Center, locatedat twenty two seventy seven Point Beach Lakes
Boulevard, West Point Beach, Floridafive six one six eight nine zero six
zero six or go to www dotPalmbachresearch dot com as for Lynn Nelson or

(45:00):
Desire Muffson and let them know youheard about it on the Greater Software the
Chamber of Commerce radio program on SaturdayMay fourth. Then let's get into it
this morning for the listening audience.Who is Palmbach Research Center Palm Beach Research
Center. They've been performing clinical researchstudies on behalf of the world's leading pharmaceutical
organizations since nineteen ninety four. Sothese clinical trials, they offer hope for

(45:22):
many people to find better treatments,and that's for many diseases out there.
And what is a research trial,Well, all medicines they have to be
tested in a clinical research study beforethey can be approved for a doctor to
give them to patients. So aclinical trial it just studies the medical helps
to answer any important questions about anyinvestigational medicine such as is it safe and

(45:45):
does it work or are there anyside effects? So a clinical research trial
are just research studies involving people thathelp to find new ways to learn more
about diseases and improve healthcare for peoplein the future as well. And what
does a clinical trial study, Well, a clinical trial studies new drugs or

(46:06):
new combination of drugs, any typeof medical devices, any ways to use
existing treatment, new ways to changebehavior, and also new ways to improve
the quality of life for people withacute or any chronic illnesses out there.
And why is diversity important in clinicaltrials? Well, diversity is very important

(46:28):
because we want to include a diversityof people and that would be either a
healthy volunteer, which is a personthat does not have a known significant problem,
or a patient volunteer, who isa person who has a known health
problem which is usually a real disease. But whether or not some can participate
in a clinical trial also depend onthe protocol that each clinical trial has about

(46:52):
who qualifies through the sponsors. Andhow do I get started as a participant
in the study? Well, youjust you can check out out a new
website at info at palmbtresearch dot com. All of the studies are on the
website. There's an easy online formthat you can fill out as well that'll
be generated and sent directly over tous, or you can give us a

(47:14):
call at five six one six eightnine zero six zero six And we are
open Monday through Friday eight am tofive pm. And what do I expect
at my screening appointment? Well,it just depends on the study that you
are willing to participate in. Butall studies require that you do bring a
photo ID, a driver's license,state ID, if you have your list

(47:36):
of medications that will be helpful aswell your medical history, and we do
a full physical. We do takesome blood samples as well, and it
depends on what study you're trying for. We do offer we do extra testing
such as electrocardiograms or any ultrasound.It just depends on the study. And

(47:57):
we also collect blood and urine sample. Again, it just depends on the
study. But each study should allowfor your first visit to at least be
at least three to four hours forthe first visit, and then the second
and the third will also definitely beshorter. And what do I expect at
my screening appointment? Well, atthe screen and disappointment, you can expect

(48:22):
that we do bring you in.You see a list of our clinicians,
the doctor, the PA, theclinical coordinator. We explain the study to
you. We do give you aninformed consent that will explain this study to
you in details as well that youread over and make sure that you are

(48:43):
wanting to participate based on whatever itis that's on the inform consent and once
you agree as far as the informedconsent all the information that's on there,
you go ahead and sign, andthen we go ahead and proceed with the
processing as far as what is requiredfor you the next steps to participate in
that study. What if I donot qualify for the trial, Well,

(49:05):
if you don't qualify, we keepyour information and we do send out notifications
when we do have up and comingstudies to see if it's something that you're
interested in participating in, and wedo send out postcards reminding you of different
studies that we have. So there'sa variety of studies that you may qualify
for that you may not have qualifiedfor in the past. It just depends

(49:29):
on what is it that the sponsoris looking for at that time and how
long will I need to participate inthe study. Each study is different,
It just depends. Some are shortfor to six months, some are last
than a couple of years. Itjust all depends on the study and touch
on the trials that are coming up. Sure, right now, we do

(49:50):
have a sleep apnea study which they'reusing marinol to see. How is it
that it's helping you sleep. Wehave a VEC modern booster was just a
covid booster. We have a birdflu that should be coming out.