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Podcast: Real Talk with Financial Strategist Coach Beau Henderson

Hi Friends,

Have you ever been in financial advisor overwhelm? As a caregiver, or an aging parent, getting ready for retirement or passing along your wealth, the advising world can be very confusing. We have searched for a person that is an independent financial advisor that is focused on truly helping seniors and their caregivers, NOT by selling you the last year performance ‘product’.

Beau Henderson is a strategist first, then goes out and finds the best vehicles for the situations. He is a Financial Coaching Strategist – FIRST. His business, RichLife Advisors, helps clients establish retirement goals and create custom plans to meet those goals.

This unique interview goes deep into the challenges that caregivers and aging parents deal with when talking money. Married, Single, Caregiver, Aging Parent – no matter what – Talking about Money is the BEST solution to altering any financial situation.

Beau Henderson, Financial Advisor, Syndicated Radio Host & Bestselling Author

Beau Henderson is a financial advisor, syndicated radio host and bestselling author. He writes and speaks internationally helping people create success with both money and life. The new release of his best selling book The RichLife -Ten Investments for True Wealth can be found on Amazon.

Transcript of Episode 05 with Guest Beau Henderson

Heather: Welcome to Your Best Years Begin Here podcast brought to you by theseniorlist.com. Your Best Years focuses on bringing you interviews with experts and educators to live a fun, free, and fulfilled life as a mature adult.

Heather: I'm your host Heather Havenwood, so let's have some fun and get started.

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Heather: Hi everyone my name is Heather Havenwood, and welcome to theseniorlist.com where we help boomers, 50 plus, and their caregivers with the best resources to create a great life.

Heather: Today I'll be interviewing Beau Henderson. He is a financial advisor, syndicated radio host, and best selling author. He writes and speaks internationally helping people create success with both money and life. The new release of his best selling book, The Rich Life 10 Investments for True Wealth can be found at richlifebook dot com. Thank you Beau.

Beau: Hey Heather I'm excited to be on the show today.

Heather: Good, thanks for coming I really appreciate it. How did you get started in financial planning? Is it something in your blood?

Beau: No, it's not a family business or anything like that. I was actually in school at the University of Georgia, and after I graduated I was gonna go to graduate school to be a psychologist. Behavior has always fascinated me, but what happened that really got my track change, so to speak, is my father passed away early, at 49 years old.

Beau: He left my mom, who had been married to him since she was 18 years old just devastated, and there was a business, and some real estate, and some things she needed to work through, so I went home and instead of going to graduate school I immersed myself in helping her navigate those items of putting her financial life and just her life together again.

Beau: In that experience I realized I can help people the way I wanted to with the psychology but to be more the role of financial planner, so that was 18 years ago now, and that's been the track I've been on ever since, and that's one of the things I really have found to passion, is to combine the financial with the behavior that we do as people that sometimes messes us up.

Heather: Absolutely, I think you added the word money and behavior and all kind of things can come up in any life, and I definitely think as you get older you do have other things called spouses or mini spouses, ex, step, death, kids, grandkids, step kids, half brother, and half sisters, kids, aunts, uncles, there's a lot of things that start to happen when you're dealing with money and getting older, so I'm really glad that we're having this conversation to help people today to just give other people other options because unfortunately in the financial market it's inundated with a ton of advertising and a ton of different kinds of messages.

Heather: I'm hoping today, for our Senior List members, that you can really help unravel some of that, or give them some other options.

Heather: All right, so let's get started. Let's just start with some basics of retirement planning. People listening, could be their care givers, like yourself, you're a caregiver of your mom, and then I'm sorry to hear about your father passing away at such a young age, but also it doesn't matter what age the caregivers are. It could be as young as 18 like yourself, or it could be as old as in their 40s, they're just now starting to care give for their parents.

Heather: Just starting with the care givers, the boomers, as well as the [inaudible 00:04:36] plus, what are some things they need to be thinking about now for retirement and planning for that?

Beau: Heather, you cued this up perfectly in that there's so much information out there, it's not uncommon for me to meet with someone that's talked to four or five or six different financial professional before they've come in, and what happens is they hear different advice that conflicts from all these different resources. They go online, look for information, and it's different advice, and people just get confused.

Beau: When we're confused a lot of time we get scared and we do nothing, and sometimes that's one of the worst things we can do is do nothing or have a good plan going into retirement.

Beau: One of the biggest things I can help people with is let's take all the things people are trying to sell you off the table, and let's make sure we have the best strategy for you specifically. You and your family based on where you are and the specific goals you have, and you hit it with all those different variables that can happen in life. There's no cookie cutter approach to having a strategy. It has to be one really tailored just for you and your family.

Heather: Absolutely, so with your specific kind of financial advising, and maybe we can go into that, I think there's a lot of different kinds of let's call them financial advisors for sake of conversation, I think it can be very confusing for people, that word. It's very broad and there's different ways those different kinds of advisors make money and not make money, right?

Beau: Right.

Heather: They are geared towards selling or not selling different things, so let's talk about that for just a second. One, we can of course share yours, what is exactly you do, but let's more importantly talk about the industry and what are the different types of financial planners or retirement planners, or insurance salesmen, what are all the different types?

Beau: Right, I'm glad you brought that up because people that use the term financial professional, financial advisor, financial planner, it runs a wide spectrum, so to speak. It could be somebody at your bank that you come in to the customer service and they call themselves a financial specialist. It could be an insurance agent that does insurance products, it could be someone at a broker dealer, and they're gonna sell probably mutual funds or variable annuities.

Beau: Not that any one of those are necessarily a bad thing, but guess what these people are going to sell when it comes time to give you advice? They're gonna sell you what they sell, what they make money on, right?

Heather: Right.

Beau: Then we talk about the hybrid, what I do is I'm an independent advisor so really what I do is focus on let's get the strategy right, and then I can go find whatever tools we need to fit that strategy, so it's a little bit different. I'm strategy then tools versus product, let's make it fit your situation.

Heather: It's interesting to me, and I've shared this with other financial advisors. I think it's so weird that they call a … Let's call it mutual fund, for sake of this particular interview. They call a mutual fund a product. I don't know who else is listening think that that's just weird. I think that's weird.

Heather: “Here's our products.” And they'll say, “Here's our CD or our mutual funds.” They call that a product, and I feel like the reason they do that is to push it away from them, like there isn't a connection, and I always think, it's not a product until I put money in it.

Beau: Right.

Heather: It's not a product until I put my hard earned money in that thing you called a product. What's that product gonna do for me? I think it's an interesting term that I think it's derogatory to what it really does, because it's really a vehicle, a CD is a vehicle, a mutual fund is a vehicle, insurance is a vehicle, annuity … I think that's a better term for it because the idea of all those is to help me or my family, or the care giver, or the seniors to actually have something in their life.

Beau: Right.

Heather: Let's talk about that right now. Let's talk about how you work as far as a strategy. What does that mean? Does that mean someone pays you upfront for that strategy? How are you getting paid as a professional so that people understand that?

Beau: Often times now I'm consulted in more of a retirement coaching role, so I am paid a fee to help build a strategy that works.

Heather: Okay.

Beau: Then what can happen if a client goes on with their strategy and says, “Hey Beau, I want you to work with me for the next 30 years implementing this strategy.” Then they would work with me in an ongoing basis, and that would be a little bit different scenario, but that's really what I do that I've shifted what I was taught to do when I came into this industry as opposed to selling … What we were taught was to sell performance.

Beau: This stock did good last year, this mutual fund, this is what you need.

Heather: Right.

Beau: The only problem with that is you're selling what did good last year, which actually means it's got a higher chance of not doing good next year, but it's a way to sell things, so that's a lot of what the industry does, and that's why I shift the focus to let's get really crystal clear on what is it you need?

Beau: Here's the funny thing Heather, we did an experiment at my office. 100 people came through and only 1 out of every 20 people actually had a clear picture of where they stood financially. They knew their expenses, they knew their income, that's 5%. If only 5%-

Heather: I agree with that statement, I think there's a couple things to that, and I just want to go down that road for a second.

Beau: Absolutely.

Heather: Let's talk about it happened to your mom, and that she put all … I'm guessing she did, but it sounded like she might have, but it happens a lot where one spouse puts all the focus, or the base of responsibility, in one partner of the other. It might have been one way in your family, but in general usually a spouse, or one of the spouses will here that's seahorse, or something. Here's your bucket.

Heather: Do you find that happening when people come in and you say, Where are you at financially?” That either one kind of knows and one has no clue? Or do you find that most of them are on the same page?

Beau: No, you're exactly right. Usually in a relationship there's somebody that's gonna be a little more inclined, a little more interested, a little more wired for finances. That's just gonna be something they enjoy doing. That's not a good or bad thing to assign the role. What I find is there's the opportunity is the partner or the spouse that's not the financial person, if I can get them to at least, maybe once a month, once a quarter, sit down and get an update so they at least know what's going on, so that like my mom, one day they might not be caught completely unaware and have no idea, because with that comes a lot of fear, and it's a scary place to be.

Beau: It's a communication thing, and I've actually had couples tell me that when I got them to actually sit down and just go over here's what the actual situation is, good or bad, it's what it is, they said that was the best thing we did for their marriage because they actually started talking about money in a way that wasn't only when it was a bad situation, and it was stressful.

Heather: Yeah, absolutely, and I think that part of the wired for money, as you call it, I don't know if that's a psychology thing. I think it's actually an education thing. I think women are very psychologically smart enough to understand money. I think experience over time has been the male takes care of the money.

Beau: Right.

Heather: That society thing has changed, and it is altering, at the same time I think that it's an education conversation that more people are educated, men and women. The more they're educated okay understanding what to look for, what not to look for, how to read, I think that the more education in finance the better.

Heather: I think that's great, so what can you talk about as far as what people really need in a, I'm gonna use the word financial advisor because I don't know the word. Do they really need one? How does that work? How can they find one that's good for them in their local area?

Beau: Sure, well there's a couple questions, let me break that down into a couple different parts.

Beau: One, I say something controversial because I'm a retirement planner, I'm in the industry, but I say no you don't need one, but let me put some context around that. You hit the nail on the head again, Heather, you're really cuing things up for me in that I think the problem in this country and the opportunity is retirement literacy, and the opportunity is to help raise retirement literacy.

Beau: If we do that we can start thinking what I would want people to do, before you work with a financial advisor like me, let's do some things to actually educate ourselves. Find some resources to actually know what we need to do, why we need to do it, what our gaps are in retirement, and then you're in a position to lead and be the captain of your retirement and best utilize a financial advisor.

Beau: I think it's a responsibility to instead of just blindly trusting somebody because they have a credential, or they have a role, let me know exactly what I need to do, and then I can co create with a professional that can help me implement that so to speak.

Heather: Absolutely, and I don't usually share my personal stories here on The Senior List, but I think that this is a good time to do that. When I was 18 years old one of my first jobs, in college actually, in Fort Worth, Texas, was I worked for American Express Financial Advisors and I was an assistant or what not and my job was to cold call people at night to try to get them in for an appointment, and then once they got to the appointment and they were being sold the products, as they called it, I was the one in the back, at 18 years old, crunching the numbers.

Beau: Oh wow.

Heather: I'm crunching the numbers in the back and then the guy in the front, it was a guy, he's all in the suit and he was a sales guy, and so he was the sales guy that sat down at the round table and presented this plan, and I always found it so fascinating because sometimes we would give him the plan about five minutes before they showed up, and he never looked at the plan.

Heather: His job was just to sell the products.

Beau: Present it.

Heather: Now I'm to trying to give people bad name, and I'm not saying anyone does that, but I'm just giving you an idea the difference maybe you've experienced that and whatnot, and that sometimes a plan, especially in that particular scenario, he made money on the products only.

Beau: Right.

Heather: It doesn't mean it was best for the buyer.

Beau: Right.

Heather: Having someone like yourself who's more coming from a retirement literacy conversation and explaining things and saying, “Here is your different options, let's find out what's best for you, not just this one boat.” I think it's a really great thing.

Heather: Tell me more about when you say it's very controversial to say you don't need a financial advisor when you're sitting there and you're a financial advisor. I think that's really great. Tell us if someone's listening, “Well alright, Beau, I might be able to hire you, but how do I know my current financial advisor is working for me?” Here's a great question, “How do I know when to fire my financial advisor?”

Beau: Right, that's a good question. One thing I say is that having a review, or a second opinion is never a bad idea, it can either validate what you're doing, or maybe bring up some weaknesses in what you're doing, but even beyond that when you're looking at a financial advisor, either the one you currently have, or you're interviewing financial advisors, what I want you to listen for is are they leading you? But not in a good way. Are they leading you to their agenda? Or are they listening and learning more about you? Are they asking questions to know you specifically? Know what you care about, know what your goals and dreams are, that's a big difference between somebody that's selling and somebody that's truly there to help.

Beau: Another thing, look for experience. Ask, “How long you been doing this business?” Because this industry is not an easy industry, and a lot of people don't make it more than three years in this industry, so somebody's been doing it 15, 20 plus years, that's a good sign.

Beau: Another thing is to see if you can find some references or people that have worked with that advisor and ask the kind of questions that are important to you. Did he help me with my goals? Did he help you with your social security plan? Whatever that is specific to you, and really other than that, and this is a funny one, I always say, it doesn't seem like a really technical thing, but make sure you like each other.

Beau: Because we okay this work, and we're gonna be working together it may be 30, 40 years, let's make sure we enjoy it when we need to come in and talk about it, or you need to call me on the phone to ask me a question.

Heather: Right. That's great. No one ever talks about that. No one ever likes the stock broker. But once the market's going up, then they love each other.

Heather: I get that, that's really great. I agree with you completely, and I think that people listening, no matter what age they are, could do that.

Heather: Let's talk about someone who's a care giver, and obviously they may have siblings, so there's more than one care giver, obviously, or potential care giver.

Heather: If they're concerned about their parent's financial future and maybe they never were taught to talk about it at home, but now they're like, “I'm now an adult, and I really am concerned about it.”

Heather: What's the best way to bring someone in like yourself, what's the best way to do that in such a way where maybe the parent or parents doesn't feel like they're just trying to take over? Because there is a balance there of being able to take over, like, “Hey, I'm gonna take over mom or dad's situation financially.” Versus controlling it.

Beau: Right.

Heather: How can someone do that? Especially when they get older and there starts to be expenses and they want to make sure, because fraud is huge with older people.

Beau: Right.

Heather: I know myself as my mom was older that we wanted to protect her, there was always a fine line of controlling the money, and just helping her protect her with the money.

Beau: Right, and you know there is. There's a lot of lines in that conversation in that if it's early enough I have a lot of clients that actually will buy long term care for their parents because they don't want to be the one that has to pick it up if something should happen, so it's a cheaper expense for them to buy long term care.

Heather: I did that with my mom.

Beau: Sometimes it's too late for that, and I think it goes back to relationship, meaning if it's me and my parents what you need to do is take the responsibility for the things we just talked about, get to know an advisor, test them out, see if they're the kind of person that you know your parents would like to work with. Get the feel for that, and then try to introduce them in a way … And you said it exactly right. Try to introduce them in a way that's, “Hey, he's helping me, she's helping me, I think he could add value to your situation, why don't we grab dinner at talk about it?” Instead of, “Hey I need somebody to show you what you need to do.”

Beau: That might not be taken real well.

Heather: Especially if you're the child of the parent, right?

Beau: Right.

Heather: It's still the parent. It's still the parent, it's my money.

Beau: That's another thing, as a child I might know what my parents should do, but sometimes I need to bring in that third party because I'm the child.

Heather: Right, yeah, in their view you're still the 10 year old.

Beau: Right, at 50 years old you're still the little kid.

Heather: Right, and then the other thing, and I'm just asking this because I have a sibling. My mom's no longer with us, so in my situation the situation is obviously not needed, however I know there's people out there that have siblings. One's more involved than the other. How, again, does one say, “Hey, let me help you manage the money versus control the money.” There's that difference of, “I'm gonna be paying some of your bills for you for your long term care, or for whatever.” Versus the other sibling saying, “Hey, you're controlling.”

Heather: Is there a way to start that process when they don't need it? Is there a way to start that kind of conversation, it's not really a will, it's more of some kind of other document or something that can help them set that up now. Can you bring in a third party like yourself, financial advisor to do that?

Beau: I think that's absolutely a great idea. The key is with money what happens is we have the tendency to have conversations after something happens.

Heather: Right.

Beau: Then we've gotta talk about it. Whereas if we can have those situations upfront, and especially when you're dealing with siblings, if you're not careful somebody's taking on that responsibility and the caregiver can be the one that gets … It's harder on them than the actual parent or the aging parent sometimes.

Heather: Right.

Beau: If they don't speak up for themselves, and set up some boundaries and agreements with the siblings it can be a bad situation, and then on the other hand siblings if they're taking care of the parent, and they're handling the finances, siblings can say, “You doing what I would do.” Or, “You doing the things I think is right.” I think having those conversations ahead of time in some initial strategy as soon as possible. Whenever we talk about these things it reminds me there was a Chinese proverb, it's, “When's the best time to plant a tree? 20 years ago. When's the next best time? Today.”

Heather: Yeah.

Beau: Right now's the best time to address that whether you're 15 years away, or whether we're well into the process.

Heather: What are some options for people that … Is there an option, like a third party if let's just say siblings don't always get along right?

Beau: Right.

Heather: I think it just happens, it's called being human, so is there a third party option, or a third option that people say, “Can I put the management of the money in this third option? So that we as siblings can relieve that stress?

Beau: Absolutely, yeah, you could have a trustee or a money manager that would be assigned that role, but still somebody would need to be checking on that to make sure that the money management's being done to the goals that we have established.

Beau: It would be something like if you engaged a financial advisor like myself it would be a combination of me working with a money manager keeping them on track for what we've agreed you want to accomplish.

Heather: Okay, great, well thank you for that. Let's move into a little bit more on some things that they can do now, like you said, when's the best time to plant a tree?

Heather: What are the things that they can do now, or can you talk about anything about what I call the future? Anything that's coming down the pipe they need to know about in the industry, or just at large here in the United States?

Beau: Sure. First step is clarity. That 5%, 1 in 20 actually knows what's going on. Sit down, do the work, sometimes its a little hard up front, but it's always a relief once it's done. Let's get crystal clear on where we are today, and then we can start putting the puzzle pieces back together to go where we're going in the future. Again, how the strategy meeting, because what happens in most cases, people will have 20 pieces of their retirement puzzle out there. This account, my pension, social security, health care, all these things, but what a strategy is is it's putting them together, integrating them, or what I like to refer to as you're coordinating your benefits in a way.

Beau: Most people are just taking them off one at a time, and doing the best they can, so that's one thing. One of the biggest things I think I could speak to that I see the biggest mistakes made is social security claiming strategies. I actually teach trainings on that every month, and every room I talk to there's people in that room that are owed, or have access to another 40000, 70000, I had one last month, 160000 dollars more than if they just knew the rules they could claim over their life expectancy, which is huge. That's a game changer for a lot of people. Social security, and looking at the social security, how to integrate that, do I take my pension first? Do I pull money out of my 401K first? Do I take my social security early? Do I take it late? Really putting all those pieces together in a way, and then another big one is we just had a tax reform this year, is understanding the tax reform and how it affects you, and how that's gonna affect your money in retirement.

Beau: It's really just putting all those pieces together and having … A lot of people call it a financial plan, but you've heard me call it a strategy, but it's just realizing, you know what, I'm addressing what I know I need to address, and I feel good about it because I know what I'm doing and why I'm doing it.

Heather: Absolutely, that's awesome, well I just want to make sure everyone knows that they can also listen to this podcast again, but they also can see more information about Beau at theseniorlist.com/richlife. Again, that's theseniorlife.com/richlife. You can check that out.

Heather: I agree with you there's a lot of things there that people can do. What are some three steps they can do right now to make sure that they are planning the right way for their retirement, and or themselves, or their loved ones, or if they're a care giver of their adult family.

Beau: Three steps, the first one would be to check all of your accounts, check your 401Ks and IRAs, and make sure your beneficiaries are current. I can't tell you, I've had some horror stories of someone dying and being married to a spouse for 20 years, and the ex spouse gets a 400000 dollar 401K because the beneficiary was never changed, so we want to always check the beneficiary.

Heather: That really a bad story? Just kidding.

Beau: Well it depends on who you ask, right?

Heather: Right, exactly it depends on the ex wife, or the current. Wow, that's really bad, yeah, that says a lot. This is a good point that happened actually with my mom, so yeah, I get that.

Beau: Yeah, so that's one, and then another one's your estate planning documents, that's another thing. It's less than 5% of people actually either have their wills, and powers of attorneys in place that they need, or if they do have them in place, the majority of them are out dated, meaning there's been kids and grand kids born, things have changed since then.

Beau: Making that a goal, if you don't have those documents in place, give yourself a 30 day goal that within 30 days I'm gonna address that because if not, what can happen, again, I've seen a lot of horror stories in 16 years, is if things go to probate and a judge and attorneys are deciding your things that's costing you money, that's costing you fees, and you're putting at risk siblings from coming at odds with each other, because one sibling might say, “This is what Dad wanted us to do.” Another one said, “Well, I was out with him at dinner, and he told me this is what he wanted to do.”

Beau: I've seen siblings that were actually close all the way until this happened, actually have a rift and never speak again, so you want to avoid that for your family, so make sure your estate planning and documents are in place.

Heather: How can families be able to by pass or skip probate? What are the things that they can do in their financial retirement planning, they can do to make sure that doesn't happen?

Beau: We hit the one, make sure all your accounts, your investment accounts, and insurance accounts have beneficiaries exactly the way you want them.

Heather: Okay.

Beau: Primary and contingent, and by contingent for listeners, people if the primary beneficiary predeceases you, who would you want your money or accounts to go to?

Beau: The other is basic will. A basic will covers most people in this country. There's some situations where you may need a trust, but a will at least, and then we need a financial power of attorney. Who is the person you want making financial decisions on your behalf if you can't?

Beau: You don't want somebody to decide for you, because that might be a sister or a brother that you never would want touching your money, right?

Heather: Right, exactly.

Beau: And then the last one that's really important, and this can be crucial, is a health care directive. What are your wishes if you're incapacitated, can't make decisions for yourself from a health care perspective?

Beau: If you have those three documents, the will, financial power of attorney, and the health care directive you have most of your bases covered to avoid those things we've talked about with probate,

Heather: Great, that's actually really good advice, and just to make sure you are talking across the United States, correct?

Beau: Right.

Heather: On all states this is across the board, there isn't different things in each state? This is an overview of the-

Beau: That's the basic package that everybody really needs to have, again, there will be some situations to where a trust could make sense depending on the situation.

Heather: Yeah.

Beau: But the attorney you visit to do the docs could tell you if that's … Or a good financial advisor could help you with that.

Heather: Okay, great. We're wrapping up here, anything else lastly you want to make sure the people that are members of theseniorlist.com know about financial planning and the retirement resource? And tell us about your new book.

Beau: We've got 10 Investments for True Wealth, and it's the book that I'm proudest of, and what it's really focusing on is getting the money part right that we've talked about, but it's also the true wealth is a lot of things.

Beau: It includes things like investing in your relationships that are important to you, investing in meaningful experiences because I've found with clients memories are the one thing they wouldn't trade all their money in the world to.

Beau: The 10 Investments for True Wealth is partially half of it's getting your money piece right, the math part of it, and the other path is living a life that's actually meaningful and fulfilling to you. I've found over the last two years that message really resonate, it's one I believe in, and that's really what I do, and what I try to bring to the table for our clients.

Heather: Love it, where can they find the book? We're actually gonna have a link. We'll have a link at theseniorlist.com/richlife, again, that's theseniorlist.com/richlife. Make sure you reach out to Beau Henderson, check out the article about him that we're gonna have there, and send this to your friends and family members, and your siblings. Send this to them. What's great about the podcast and why we develop The Senior List is we really want to have a resource for you to help you in your life, and sometimes instead of telling our spouse, or telling our loved one, or our adult parent what to do it's sometimes easier to say, “Hey, I just listened to this show, or this podcast.” Or, “Here's a link to something that I think you might enjoy.”

Heather: That way it will start the conversation, it will open the door to have that conversation at the kitchen table next time, so that's the intention of why we started this, and we want you to share this with your friends and family.

Heather: Beau, thank you. Thanks for being here.

Beau: I had a blast, appreciate it.

Heather: You're welcome, thank you so much, and you can check this out again at theseniorlist.com/richlife. Already won, this is Heather Havenwood, and this is theseniorlist.com.

Heather: Thank you for listening to Your Best Years Begin Here podcast brought to you by theseniorlist.com. I'm your host, Heather Havenwood, please visit our website at theseniorlist.com. Enjoy many of our community groups on Facebook.

Heather: Here at The Senior List we want to hear from you. Do you have a recommendation or a person or company you want us to interview? Tell us! Email us at podcast@theseniorlist.com.

Heather: Again, that's podcast@theseniorlist.com. Until next time, one goal, one passion, helping you live your best life.

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