June 10, 2025 • 12 mins
Are you ready to navigate the emotional and financial maze of retirement? Jon Hicks goes through the evolving roles of financial coaching and advising, focusing on the transition into retirement and how to structure exit strategies for business owners. Learn how to align your goals with your financial plan, explore the balance between lifestyle and savings, and uncover the hidden challenges of leaving a business behind. Whether you're looking to retire early, maximize your savings, or redefine your post-retirement identity, this episode explores holistic planning that prioritizes your aspirations over numbers. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
This is the Retirement Solution podcast with financial advisor John Hicks,
founder of jay Hagen Capital.
Speaker 2 (00:07):
Glad to have you here with us on the Retirement
Solution with financial advisor John Hicks, founder of jay Hagen Capital.
Helping folks understand the mountain, the cornucopia, the super abundance
of things that you have to wrap your arms and
head around when it comes to retirement planning. Used to
be so simple, John, We used to just have you know,
(00:28):
we had the it was easy, the three legged tool.
We had the pension, we had the so security, we
had the savings, and we only had ten years.
Speaker 3 (00:34):
That's true. I mean, there wasn't much to think about
if if you're like, oh, you know, I need my
retirement to last, and unfortunately you just kind of kicked
the bucket the day after quit work and there wasn't
much of a retirement to really go to. Now now
it's crazy green.
Speaker 2 (00:48):
Juices and vitamins.
Speaker 3 (00:49):
And absolutely you don't. You don't drink grass juice every day.
I absolutely drink grass juice. I don't kambucha or any
of that stuff. I don't know, I don't want any
of that.
Speaker 2 (00:59):
Take care of yourself. Take your vitamin c drink your
water and plan accordingly. That is what you are here
to help us figure out. In a couple of ways.
There are a couple of different angles that I want
to talk to you about in this conversation. One what
it is that you do, because I mean, I think
at this point, especially if you are listening to this,
(01:20):
you know what a financial advisor is. You've heard of
financial advisors, but how about financial coaches? Because licensed financial advisors,
they concentrate on more of the traditional stuff that you
think about. You think about stock investments, you think about
saving for retirement. Financial coaches, however, focus on things like
paying down debt, financial education, but they cannot give investment advice.
(01:43):
So a recent article on Morningstar dot com was talking
about how financial advisors need to start evolving in the
work that they do and include the area of financial
coaching and what those services bring to the table. I
think that that really speaks to the work that you
do every single day, because, especially when it comes to
(02:03):
financial advising for retirees, it requires so much coaching, so
much emotional coaching. And then we add the element for
you one particular area that you've recently discovered a big
hole where people need help is exit strategies from a
business or perhaps a major investment that they are counting
on to fund their retirement. So let's talk about how
(02:24):
you coach your clients through these kinds of financial transitions,
these exit strategies.
Speaker 3 (02:31):
Yeah, so you know, when you kind of think about it,
many of us could go and do our own research
and select investments. And historically this is probably why a
lot of investment advisors they're not very high in the
food chain. And when people think, hey, you know, I
need to go get some great advice today, only go
find a financial advisor because they're fearful or going to
be sold some group of products or some junk that
they don't want. And the craziest thing is when I
(02:51):
think about my day to day and what I actually
end up doing for our clients, it's almost one hundred
percent Holistic coaching is trying to figure out, hey, do
we understand or budget, do we know what we would
need to have to be able to retire the way
we want. Yes, you could retire tomorrow, but you may
not be able to get that car you were thinking about,
or you may not be able to live in the
house that you want to and or you may not
(03:12):
be able to relocate. But if we make a couple
minor changes, then we could actually accomplish all those things
sooner than you think. And there's a difference, right. Coaching
is really more of a framework, a guide, someone to
help you through the questions, because most of the time,
I think when you go to see a financial advisors
a wall exactly how much money do you want to
have every month? Half the people like I have no
(03:33):
flipping clue what you're talking about, John, I don't even
know what I spend on a monthly basis, no problem.
That's where we typically start. Hey, how much money comes
in roughly? Right now, if you look at your paycheck,
take some taxes out, take out some healthcare costs which
you're actually living off of, and people realize, huh, wow,
that's not as much as I thought, right, And that's great.
And if that's the case, then it means that you
could probably retire a little bit earlier than you thought. Okay,
(03:56):
Now those other sides of us though, right we're like, oh,
I bet I could live off fifty grand, and you
find out that they get a two hundred and fifty
thousand dollars annual income, and they're kind of using a
lot of it. Now they're saving some money, but they're
using a lot of it. Why nice vacations, a little bit,
nicer cars. They like to travel, they like to do
certain things, to eat out a lot, and nothing is
wrong with that either. But one of the first things
(04:18):
that we start looking at is how do you want
your life to be? Forget the investments, those will happen
over time. What do you want to accomplish? Do you
want to leave you know, working when you're sixty, what
about seventy? You know? Because that's easy to understand, but
many of the times financial advisors, I think lose it.
They need to talk about how important this one investment
is over another, or how much better Schwab is than
(04:39):
Fidelity or Vanguard versus t Ro price or word that
I have found to be almost meaningless. Most of the time.
I've found most product talk to be meaningless. People want
to know, dude, if I do decide to retire next year,
am I gonna make it? I mean, can I still
have them with the new bass boat? You know? I
can I still have someone else mowmograss even though I'd
(05:00):
be retired and have the time. Man, I got three
acres out there. I don't want to bush hog that stuff.
I still want to pay someone to do it. Can
I do that? Right? And that's the big important part.
But that usually requires coaching. So typically coaching is a
little different because number one, we're looking at everything. We're
looking at how do you really want to live your life?
How are you currently living your life? Do you like that?
Do you want to live a little bit more high
on the hog when you retire or a little less?
(05:22):
How many years do you think you're going to feel good?
What about your parents? You know, did their their knees
and hips start really bugging them or they didn't want
to travel much in their seventies? Well that's fine. Well
this plan a lot of your vacations and stuff earlier on.
And why would we do that because we don't want
you to say, Man, I really wanted to do that
Tuscany vacation, but my knees were bugging me so much.
I wouldn't able to go, even though we save the money. Yeah,
(05:43):
but if you'd gone three years earlier, maybe you could have. Right. So,
those those things that coaches do differently, A lot of education,
A lot of empowerment, a lot of bob you know,
raw raw bond ton, Hey, you can do it. Relax,
we have a plan for it. We can do it.
And most of financial advisors, I find, I don't know,
they kind of miss a little bit of that. It's
not anything derogatory, but they think that the investment matters more.
(06:05):
It doesn't. It's your goals. That's what it really boils down.
Speaker 2 (06:08):
To your goals into a plan to help you live
life you want. Is the planning process. This is what
John and his team at Jahidgen Capital are doing every
single day, ready to do for you as well. Retirement
Solution Radio dot com to start the conversation about your plan.
So let's talk about then the idea of an exit
(06:29):
strategy for people that maybe are not as traditionally invested. Right,
there is market investments, and then there is this other
group of people that you yourself, you've recently started understanding
more this space that people really need some extra helps
from extra coaching through.
Speaker 3 (06:44):
Absolutely so if you look at like small business owners
or people that do a lot of real estate, they
kind of have a little bit of different situation. You know,
many small business owners they may have had a really
good income, or they may have kind of put their blood,
sweat and tears into that business that they're hoping that
they can either give to the next generation but detain
an income or sell it. And these have completely different
structures behind them. How are we going to exit from
(07:06):
that position or that job, or that business or that
strip mall or whatever it is you know that we own,
because it requires different planning, right because a lot of
the times, if we've put a lot of money in
our business or in our real estate, we maybe don't
have as much other savings. Why because we've been coddling
that business. We didn't have as much money to put
inside of a four to one kre We didn't start
it early enough because we were putting all of our
(07:27):
money to pay for more marketing, to pay for more people,
to get more operations, assistance to realign with our vendors,
or whatever we're doing. So exiting from a lot of
those things really requires a tremendous amount of planning, because
a lot of people sell their businesses for a third
of what they could typically get if they plan wisely
and exit strategy really seriously. Because a lot of it
(07:49):
comes with the emotion how much is that business really worth?
But then also understanding if you're at a point where
you're getting ready to think about winding it down, would
you put some of those things in place that the
next owner would want and would that be valuable? Often
those are tremendous things that are not very costly, but
they require some forethought. You know, if you are looking
at what is your business really worth today, and you
(08:11):
think about, but what I pay that for it? And
a lot of people will say, well, I know it's
worth this because I've put all this money into it,
But I mean I don't know if i'd pay that
for it, right, And so what we want to do
is we want to maximize that value. And so a
lot of this comes from understanding of how is the
tax is going to work on that transaction? What about
the income? But the biggest one that I see is
how are you going to basically separate yourself and often
(08:35):
that identity from what you're selling? Okay, And that's a
tough one. I remember growing up and one of those
small families and there was like I think three brothers,
but they all all owned when of those big tire stores,
I mean, it was a big one. They had locations
all over the place and they had a huge booming business.
I mean it was it was awesome. I mean everyone
that got their tires and we had to do that
every so often. They all went to this company. They
(08:56):
all went to this one family, and that family realized, Wow,
they had built an un believable cash cow. One of
the brothers wanted to sell. He's like, man, I'm looking
at this. I don't know if I want to keep
getting up at six am making a coffee, da da
da dad, doing all the I just don't know if
I want to do it. He decided that he was
going to divest himself from the business. They ended up
getting an unbelievable offer to sell the company, and they
(09:18):
get a ton of money, and all three of those
brothers were completely unbelievably unhappy. Even just a year afterward.
They couldn't believe it. It was their identity, was their
family was. They had generations of grandkids that came in
and made coffee and cookies, and all of a sudden
they realized, even though they got a big check, there
was a huge void in their lives. And so that
was something they didn't think through. What are they going
(09:40):
to do after one of them ended up going and
buying a competing tire company here Cannex County over He
absolutely did with part of those proceeds to try to
redo it again. But it's just one of those things
and you hear the stories and I can't remember the statistic,
but it's really high. It's more than sixty percent of people,
and I can't remember what it is, but they're completely
unhappy after the sold their business, not because it wasn't
(10:02):
a good deal, not because they didn't get the right
amount of money, but often because they didn't prepare themselves,
either emotionally or sometimes financially for what that was going
to look like. What are they going to do next?
So it's one of the things I've said on the
show for almost fifteen years now. You know, it's not
what you retire from, it's about what you're retiring too.
And a lot of the exit strategy design, how we
(10:22):
want to look at this is what do you really
want your time spent doing? Do you want to relocate
to Florida? What do you grandkids in Texas? You know,
do you not want to travel at all?
Speaker 2 (10:29):
You know?
Speaker 3 (10:29):
What would you like to do? Are you going to
spend more time with your church group, your friends, or
what are you going to do And a lot of
people say, we're just going to travel, and they realize,
man travel, not only is it eat up a little
bit of money, sometimes it's a little exhausting and they
just can't travel that much. So it's one of those
things that if you're a small business owner and you're
looking at structuring, consider looking at a SEPA, which is
a certified Exit Planning analyst. And these guys are really
(10:52):
built to do exactly what we're talking about, making sure
we're emotionally ready, financially ready, and making sure you're getting
the most money for your pctices. So sometimes these are
you know, tax attorneys. Sometimes these are a CPA structure.
Sometimes these are financial advisors. I happen to be a SIPA, okay,
but there are tremendous amounts of quality, skilled advisors that
do that work. You just want to make sure that
(11:14):
whenever you're going to consider selling any major asset or
strip mall or real estate, that you've just looked at
all the pieces of the puzzle so that you'll be
happy with whatever decision you decide to make.
Speaker 2 (11:23):
That emotional aspect that so many people neglect to consider. John,
it just goes to proving the initial start of this
conversation the difference between financial advising and financial coaching, and
the coaching that is involved in the work that you
do every single day at Jay Haygen Capital. If you
have questions, if you are getting ready to or you're
thinking about, or one day down the line you know
you're going to be selling your business. It's so much
(11:44):
more than the money, so seeking out somebody that can
help you, they can coach you through the process. John
is here to be that person with and for you.
Visit us a Retirement solutionshow dot com. We also have
links posted in the show notes. Let's get to work
helping you figure out your exit strategy retirement soshow dot com.
Speaker 1 (12:02):
Thanks for listening to The Retirement Solution Podcast with John Hicks.
Begin the conversation about your savings plan with John and
the team at Jayhagen Capital by visiting Retirement Solution Radio
dot com. Be sure to listen to John's radio show,
The Retirement Solution Saturdays at eight am and Sundays at
nine am on NewsRadio eight forty whas.
Speaker 4 (12:23):
Jhagen Capital Incorporated is not licensed in all fifty states.
To find out if Jayhagan Capital, Incorporated is licensed in
your state, please call five zero two sixty nine oh
fifty six thirty five. Jahigan Capital, Incorporated is not affiliated with,
nor endorsed by the Social Security Administration or any other
government agency, and does not provide legal or tax advice.
By contacting US, you may be provided with information about
insurance and annuity products offered through Jhiggin Capital LLCNPN number
(12:44):
one eight eight two seven zero ninety four
This is the Retirement Solution podcast with financial advisor John Hicks,
founder of jay Hagen Capital.
Speaker 2 (00:07):
Glad to have you here with us on the Retirement
Solution with financial advisor John Hicks, founder of jay Hagen Capital.
Helping folks understand the mountain, the cornucopia, the super abundance
of things that you have to wrap your arms and
head around when it comes to retirement planning. Used to
be so simple, John, We used to just have you know,
(00:28):
we had the it was easy, the three legged tool.
We had the pension, we had the so security, we
had the savings, and we only had ten years.
Speaker 3 (00:34):
That's true. I mean, there wasn't much to think about
if if you're like, oh, you know, I need my
retirement to last, and unfortunately you just kind of kicked
the bucket the day after quit work and there wasn't
much of a retirement to really go to. Now now
it's crazy green.
Speaker 2 (00:48):
Juices and vitamins.
Speaker 3 (00:49):
And absolutely you don't. You don't drink grass juice every day.
I absolutely drink grass juice. I don't kambucha or any
of that stuff. I don't know, I don't want any
of that.
Speaker 2 (00:59):
Take care of yourself. Take your vitamin c drink your
water and plan accordingly. That is what you are here
to help us figure out. In a couple of ways.
There are a couple of different angles that I want
to talk to you about in this conversation. One what
it is that you do, because I mean, I think
at this point, especially if you are listening to this,
(01:20):
you know what a financial advisor is. You've heard of
financial advisors, but how about financial coaches? Because licensed financial advisors,
they concentrate on more of the traditional stuff that you
think about. You think about stock investments, you think about
saving for retirement. Financial coaches, however, focus on things like
paying down debt, financial education, but they cannot give investment advice.
(01:43):
So a recent article on Morningstar dot com was talking
about how financial advisors need to start evolving in the
work that they do and include the area of financial
coaching and what those services bring to the table. I
think that that really speaks to the work that you
do every single day, because, especially when it comes to
(02:03):
financial advising for retirees, it requires so much coaching, so
much emotional coaching. And then we add the element for
you one particular area that you've recently discovered a big
hole where people need help is exit strategies from a
business or perhaps a major investment that they are counting
on to fund their retirement. So let's talk about how
(02:24):
you coach your clients through these kinds of financial transitions,
these exit strategies.
Speaker 3 (02:31):
Yeah, so you know, when you kind of think about it,
many of us could go and do our own research
and select investments. And historically this is probably why a
lot of investment advisors they're not very high in the
food chain. And when people think, hey, you know, I
need to go get some great advice today, only go
find a financial advisor because they're fearful or going to
be sold some group of products or some junk that
they don't want. And the craziest thing is when I
(02:51):
think about my day to day and what I actually
end up doing for our clients, it's almost one hundred
percent Holistic coaching is trying to figure out, hey, do
we understand or budget, do we know what we would
need to have to be able to retire the way
we want. Yes, you could retire tomorrow, but you may
not be able to get that car you were thinking about,
or you may not be able to live in the
house that you want to and or you may not
(03:12):
be able to relocate. But if we make a couple
minor changes, then we could actually accomplish all those things
sooner than you think. And there's a difference, right. Coaching
is really more of a framework, a guide, someone to
help you through the questions, because most of the time,
I think when you go to see a financial advisors
a wall exactly how much money do you want to
have every month? Half the people like I have no
(03:33):
flipping clue what you're talking about, John, I don't even
know what I spend on a monthly basis, no problem.
That's where we typically start. Hey, how much money comes
in roughly? Right now, if you look at your paycheck,
take some taxes out, take out some healthcare costs which
you're actually living off of, and people realize, huh, wow,
that's not as much as I thought, right, And that's great.
And if that's the case, then it means that you
could probably retire a little bit earlier than you thought. Okay,
(03:56):
Now those other sides of us though, right we're like, oh,
I bet I could live off fifty grand, and you
find out that they get a two hundred and fifty
thousand dollars annual income, and they're kind of using a
lot of it. Now they're saving some money, but they're
using a lot of it. Why nice vacations, a little bit,
nicer cars. They like to travel, they like to do
certain things, to eat out a lot, and nothing is
wrong with that either. But one of the first things
(04:18):
that we start looking at is how do you want
your life to be? Forget the investments, those will happen
over time. What do you want to accomplish? Do you
want to leave you know, working when you're sixty, what
about seventy? You know? Because that's easy to understand, but
many of the times financial advisors, I think lose it.
They need to talk about how important this one investment
is over another, or how much better Schwab is than
(04:39):
Fidelity or Vanguard versus t Ro price or word that
I have found to be almost meaningless. Most of the time.
I've found most product talk to be meaningless. People want
to know, dude, if I do decide to retire next year,
am I gonna make it? I mean, can I still
have them with the new bass boat? You know? I
can I still have someone else mowmograss even though I'd
(05:00):
be retired and have the time. Man, I got three
acres out there. I don't want to bush hog that stuff.
I still want to pay someone to do it. Can
I do that? Right? And that's the big important part.
But that usually requires coaching. So typically coaching is a
little different because number one, we're looking at everything. We're
looking at how do you really want to live your life?
How are you currently living your life? Do you like that?
Do you want to live a little bit more high
on the hog when you retire or a little less?
(05:22):
How many years do you think you're going to feel good?
What about your parents? You know, did their their knees
and hips start really bugging them or they didn't want
to travel much in their seventies? Well that's fine. Well
this plan a lot of your vacations and stuff earlier on.
And why would we do that because we don't want
you to say, Man, I really wanted to do that
Tuscany vacation, but my knees were bugging me so much.
I wouldn't able to go, even though we save the money. Yeah,
(05:43):
but if you'd gone three years earlier, maybe you could have. Right. So,
those those things that coaches do differently, A lot of education,
A lot of empowerment, a lot of bob you know,
raw raw bond ton, Hey, you can do it. Relax,
we have a plan for it. We can do it.
And most of financial advisors, I find, I don't know,
they kind of miss a little bit of that. It's
not anything derogatory, but they think that the investment matters more.
(06:05):
It doesn't. It's your goals. That's what it really boils down.
Speaker 2 (06:08):
To your goals into a plan to help you live
life you want. Is the planning process. This is what
John and his team at Jahidgen Capital are doing every
single day, ready to do for you as well. Retirement
Solution Radio dot com to start the conversation about your plan.
So let's talk about then the idea of an exit
(06:29):
strategy for people that maybe are not as traditionally invested. Right,
there is market investments, and then there is this other
group of people that you yourself, you've recently started understanding
more this space that people really need some extra helps
from extra coaching through.
Speaker 3 (06:44):
Absolutely so if you look at like small business owners
or people that do a lot of real estate, they
kind of have a little bit of different situation. You know,
many small business owners they may have had a really
good income, or they may have kind of put their blood,
sweat and tears into that business that they're hoping that
they can either give to the next generation but detain
an income or sell it. And these have completely different
structures behind them. How are we going to exit from
(07:06):
that position or that job, or that business or that
strip mall or whatever it is you know that we own,
because it requires different planning, right because a lot of
the times, if we've put a lot of money in
our business or in our real estate, we maybe don't
have as much other savings. Why because we've been coddling
that business. We didn't have as much money to put
inside of a four to one kre We didn't start
it early enough because we were putting all of our
(07:27):
money to pay for more marketing, to pay for more people,
to get more operations, assistance to realign with our vendors,
or whatever we're doing. So exiting from a lot of
those things really requires a tremendous amount of planning, because
a lot of people sell their businesses for a third
of what they could typically get if they plan wisely
and exit strategy really seriously. Because a lot of it
(07:49):
comes with the emotion how much is that business really worth?
But then also understanding if you're at a point where
you're getting ready to think about winding it down, would
you put some of those things in place that the
next owner would want and would that be valuable? Often
those are tremendous things that are not very costly, but
they require some forethought. You know, if you are looking
at what is your business really worth today, and you
(08:11):
think about, but what I pay that for it? And
a lot of people will say, well, I know it's
worth this because I've put all this money into it,
But I mean I don't know if i'd pay that
for it, right, And so what we want to do
is we want to maximize that value. And so a
lot of this comes from understanding of how is the
tax is going to work on that transaction? What about
the income? But the biggest one that I see is
how are you going to basically separate yourself and often
(08:35):
that identity from what you're selling? Okay, And that's a
tough one. I remember growing up and one of those
small families and there was like I think three brothers,
but they all all owned when of those big tire stores,
I mean, it was a big one. They had locations
all over the place and they had a huge booming business.
I mean it was it was awesome. I mean everyone
that got their tires and we had to do that
every so often. They all went to this company. They
(08:56):
all went to this one family, and that family realized, Wow,
they had built an un believable cash cow. One of
the brothers wanted to sell. He's like, man, I'm looking
at this. I don't know if I want to keep
getting up at six am making a coffee, da da
da dad, doing all the I just don't know if
I want to do it. He decided that he was
going to divest himself from the business. They ended up
getting an unbelievable offer to sell the company, and they
(09:18):
get a ton of money, and all three of those
brothers were completely unbelievably unhappy. Even just a year afterward.
They couldn't believe it. It was their identity, was their
family was. They had generations of grandkids that came in
and made coffee and cookies, and all of a sudden
they realized, even though they got a big check, there
was a huge void in their lives. And so that
was something they didn't think through. What are they going
(09:40):
to do after one of them ended up going and
buying a competing tire company here Cannex County over He
absolutely did with part of those proceeds to try to
redo it again. But it's just one of those things
and you hear the stories and I can't remember the statistic,
but it's really high. It's more than sixty percent of people,
and I can't remember what it is, but they're completely
unhappy after the sold their business, not because it wasn't
(10:02):
a good deal, not because they didn't get the right
amount of money, but often because they didn't prepare themselves,
either emotionally or sometimes financially for what that was going
to look like. What are they going to do next?
So it's one of the things I've said on the
show for almost fifteen years now. You know, it's not
what you retire from, it's about what you're retiring too.
And a lot of the exit strategy design, how we
(10:22):
want to look at this is what do you really
want your time spent doing? Do you want to relocate
to Florida? What do you grandkids in Texas? You know,
do you not want to travel at all?
Speaker 2 (10:29):
You know?
Speaker 3 (10:29):
What would you like to do? Are you going to
spend more time with your church group, your friends, or
what are you going to do And a lot of
people say, we're just going to travel, and they realize,
man travel, not only is it eat up a little
bit of money, sometimes it's a little exhausting and they
just can't travel that much. So it's one of those
things that if you're a small business owner and you're
looking at structuring, consider looking at a SEPA, which is
a certified Exit Planning analyst. And these guys are really
(10:52):
built to do exactly what we're talking about, making sure
we're emotionally ready, financially ready, and making sure you're getting
the most money for your pctices. So sometimes these are
you know, tax attorneys. Sometimes these are a CPA structure.
Sometimes these are financial advisors. I happen to be a SIPA, okay,
but there are tremendous amounts of quality, skilled advisors that
do that work. You just want to make sure that
(11:14):
whenever you're going to consider selling any major asset or
strip mall or real estate, that you've just looked at
all the pieces of the puzzle so that you'll be
happy with whatever decision you decide to make.
Speaker 2 (11:23):
That emotional aspect that so many people neglect to consider. John,
it just goes to proving the initial start of this
conversation the difference between financial advising and financial coaching, and
the coaching that is involved in the work that you
do every single day at Jay Haygen Capital. If you
have questions, if you are getting ready to or you're
thinking about, or one day down the line you know
you're going to be selling your business. It's so much
(11:44):
more than the money, so seeking out somebody that can
help you, they can coach you through the process. John
is here to be that person with and for you.
Visit us a Retirement solutionshow dot com. We also have
links posted in the show notes. Let's get to work
helping you figure out your exit strategy retirement soshow dot com.
Speaker 1 (12:02):
Thanks for listening to The Retirement Solution Podcast with John Hicks.
Begin the conversation about your savings plan with John and
the team at Jayhagen Capital by visiting Retirement Solution Radio
dot com. Be sure to listen to John's radio show,
The Retirement Solution Saturdays at eight am and Sundays at
nine am on NewsRadio eight forty whas.
Speaker 4 (12:23):
Jhagen Capital Incorporated is not licensed in all fifty states.
To find out if Jayhagan Capital, Incorporated is licensed in
your state, please call five zero two sixty nine oh
fifty six thirty five. Jahigan Capital, Incorporated is not affiliated with,
nor endorsed by the Social Security Administration or any other
government agency, and does not provide legal or tax advice.
By contacting US, you may be provided with information about
insurance and annuity products offered through Jhiggin Capital LLCNPN number
(12:44):
one eight eight two seven zero ninety four
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