When it comes to insurance most people want the cheapest price—but being cheap doesn’t necessarily save you money in the long run. 

In this episode, Jim Donewald sits down with John’s wife Beth Glowacz, agency owner and partner at Cinco Ranch Insurance Services, to discuss independent insurance services and educate listeners on tips to avoid high replacement costs on your home, vehicles and more.

In this episode you will learn:

• The advantages to bundling insurance and how it works
• Why it makes sense to go to the independent agency compared to a big captive agency
• What people can do to keep their insurance costs down
• And more!

Tune in to learn how Beth Glowacz will help protect your personal property.

Resources: CRIS Financial | John Glowacz | Jim Donewald | Cinco Ranch Insurance Services : (281) 391-7608

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We understand everyone has busy lives—why not take 10, 15, 30 minutes to focus on the starting points for your retirement planning.

In this episode, Jim Donewald discusses some of the basics of retirement planning, and shares parts of conversations he has everyday to help you plan for your retirement.

In this episode you will learn:

• How taxes are the number one player in everyone’s retirement
• The potential risk of passing your IRA to your children
• Why there are really only two plans out there — your plan and the government’s plan
• And more!

Tune in to learn about how to take responsibility for your retirement planning!

Resources: (281) 665-3081: CRIS Financial | John Glowacz | Jim Donewald | Episode 10

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Everyone talks about retirement—but what does it all really mean? What does the process truly look like? 

In this episode, Jim Donewald outlines the overall process of retirement, including definitions of the basic terms, to help you better understand information given in previous episodes. Jim also shares a review of why he does what he does to help clients make the most of their retirements, and do better with the information they have.

In this episode you will learn:

• Why Jim Donewald does what he does
• Why the number one concern for clients preparing for retirement should be taxes
• The three places your money falls when planning for retirement
• How CRIS Financial provides all sorts of options for retirement solutions
• And more!

Tune in to make sense of the retirement process and learn how to implement the strategies!

Resources: CRIS Financial | John Glowacz | Jim Donewald

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Are you prepared to protect your estate at the time you pass away? 

In this episode, Jim Donewald sits down with guest Richard Behlmann, Managing Attorney at Behlmann Law Firm, board certified in estate planning and probate law, to discuss the power of estate planning documentation, including the urgency of how to take control of your estate planning early.

In this episode you will learn:

• The general differences between a will versus a trust
• The general rule of what should be in your trust
• How a trust helps will the situation of a divorce
• The other areas of concern in estate planning
• And more!

Tune in to learn more about how to protect your estate by communicating your wishes!

Resources: 

CRIS Financial | John Glowacz | Jim Donewald | Richard Behlmann | Behlmann Law Firm

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Widowhood is the result of losing a spouse, and it can be both emotionally traumatic as well as financially draining if you’re not prepared. 

In this episode, Jim Donewald discusses how to prepare your finances and have all the necessary documentation to manage on your own if you lose your spouse.

In this episode you will learn:

• The first thing you need to do if you lose your spouse
• How quickly you need to deal with finances
• The adjustments that need to be made to your retirement plan as a widow or widower
• The potential loss of benefits that could come from losing your spouse
• Why some clients avoid preparing for widowhood
• And more!

Tune in to learn more about how to proactively prepare for the situation of widowhood!

Resources: CRIS Financial | John Glowacz | Jim Donewald 

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At CRIS Financial, we have a deep bench of professionals that help you plan for your ideal retirement.

In this episode, Jim Donewald talks to Nick Heinrich, a financial planning director at Advisory Alpha, about how his team brings additional depth and infrastructure to support client portfolios at CRIS Financial. You will get rare insight into what Nick and his team look for when reviewing client portfolios, especially in the wake of market volatility and corrections. 

You will learn:

• The perks of being a client of a smaller financial organization 
• The features and benefits of asset lock
• How market volatility and corrections may have impacted your portfolio
• Unique solutions offered by Advisory Alpha
• And more!

Resources:  

CRIS Financial | John Glowacz | Jim Donewald | Nick Heinrich | Advisory Alpha

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Taxes, tax planning and tax prevention have an impact on your approach to retirement planning.

In this episode, Jim Donewald sits down with guest Michael Siebold from Bell and Associates to get a different perspective on how retirement planning works in this tax-free space. 

In this episode, you will learn:

• Why tax planning is so important
• How to address your taxes
• The shift from long-term care to hybrid long-term care (and the tax implications of making that change)
• How to get guaranteed lifetime income through insurance
• Insights about life insurance
• And more!

Take advantage of Jim Donewald and Michael Siebold’s discussion as they take a new approach to tax planning for retirement!

Resources: CRIS Financial | John Glowacz | Jim Donewald

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