Compounding Change with Shannon Davis

Retirement planning has a way of making capable, thoughtful people feel uncertain. One glance at a benefits sheet filled with numbers and acronyms can create the sense that everyone else understands something you somehow missed. The truth is, most people aren’t behind or uninformed—they’re just trying to make sense of options that were never explained in plain language. In this episode of Compounding Change, host Shannon Davis puts her sister Jenna Stoliker, founder of the Center for Conscious Leadership, in the role of “host” for an honest, curiosity-driven conversation about deferred compensation and the many retirement plans people encounter through work. We’re talking about things like what deferred compensation actually means, why plans like 401(k)s, 403(b)s, 401(a)s, and 457(b)s exist, and how employer-sponsored plans can look similar on paper while functioning very differently in real life. The episode also addresses the emotional side of money, acknowledging how difficult saving can feel when life is expensive and unpredictable.

It’s important to know that retirement isn’t a cliff. Rather, it’s a runway you build decision by decision. With the right guidance and a clearer understanding of your options, confidence replaces confusion, and progress becomes possible. Key takeaways “-Deferred compensation” simply means money you earn now and choose to receive later -Not all employer-sponsored deferred comp plans work the same way -Qualified plans (401k, 403b, 457b) differ significantly from non-qualified plans -457(b) plans offer unique flexibility for public employees, including no early withdrawal penalty after separation -Roth options flip the tax equation and can add long-term flexibility -Small savings habits can reveal surprising opportunities when cash flow becomes visible -Catch-up contributions after age 50 can meaningfully change retirement outcomes -Liquidity often provides more flexibility than paying off every debt T-he goal isn’t perfection—it’s progress with the right support -A trusted advisor helps turn complexity into confidence The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/ Chapters: 00:58 – Why retirement feels confusing 03:03 – What deferred compensation really means 06:31 – When “employer-sponsored” isn’t a 401(k) 09:32 – The retirement plan family (401k, 403b, 457b) 11:38 – When saving feels out of reach 19:17–Proactive steps to course correct 22:53 – Retirement strategies closer to retirement Helpful Links: Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/

Climbing more than a thousand stairs might sound a little extreme, until you realize it can also be a way to say, “Breathing matters.” From firefighters in heavy gear to families climbing in memory or in honor of someone they love, the Fight for Air Climb brings together courage, grief, hope, and determination around something we all share: the simple act of taking a breath. It’s about turning effort into meaning, one step at a time. In this episode of Compounding Change, host Shannon Davis talks with Catherine Widemire, Development Manager for the American Lung Association in Northeast Ohio. Catherine shares her own story of living with asthma, how a friend convinced her to take on 1,268 steps at Key Tower for the first time, and how that experience eventually led her to the role she’s in today. Together they unpack what the climb represents for families, lung cancer survivors, people living with COPD or asthma, and the many others who show up every year with names, faces, and stories in their hearts. We hope that this episode inspires you to take one step forward, or maybe even take on the challenge of 1,268 steps on March 1, 2026 at Key Tower! Whether you’re climbing, volunteering, donating, or simply making one small change this week to help yourself or someone you love breathe a little easier, you’re making compounding change happen. Key Takeaways: -Small, consistent movement can make a real difference for lung health over time -The Fight for Air Climb at Key Tower is 1,268 steps and open to ages seven through 80+ -Firefighters and first responders climb to spotlight the lung risks they face on every shift -Fundraising supports research, advocacy, and patient programs like Lung Health Navigators and Freedom From Smoking -Many people first discover lung disease through a “simple” cough or symptom that doesn’t go away -The American Lung Association is working to improve access to healthcare, vaccines, and lung cancer screenings -You don’t have to climb to be involved, since volunteering and donating are meaningful ways to support the mission -Everyday choices like hydration, movement, nutrition, and air quality all compound into better breathing -Events like the Fight for Air Climb turn personal stories and community support into real-world impact The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/ Chapters: 00:57 Introduction 01:45 Catherine’s Story 04:51 Saying Yes to the Climb 06:12 Inside Climb Day 13:39 Fundraising and Priorities for Lungh Health 14:51 Warning Signs of Lung Disease 12:54 Where the Money Goes 21:16 Ways to Get Involved Helpful Links: Catherine Widemire, American Lung Association, Climb for Air Event: https://climbcleveland.org Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/

Social Security can feel like one of those complicated systems that everyone pays into but few truly understand. Between rumors that it’s “running out,” confusion about when to start claiming, and mixed advice from every corner, it’s no wonder so many people feel uncertain. In this episode of Compounding Change, host Shannon Davis switches seats with her sister, Jenna Stoliker, as Jenna takes over the host role for a candid discussion on what Social Security really is, who it helps, and how timing matters. Together, they walk through what determines the right age to claim, why “it depends” is the only honest answer, and how personal health, family needs, and other income sources all play a role. They also dive into the repeal of the Windfall Elimination Provision (WEP) and what that means for firefighters and others in public service who once faced reduced benefits. Shannon outlines how working while receiving Social Security affects your checks, what happens when ex-spouses and survivors enter the picture, and how benefits can be paused, recalculated, or delayed to create more flexibility. With practical examples and years of experience helping first responders plan their futures, Shannon shows how small, informed decisions today can compound into lasting financial stability. Key Takeaways: – Social Security isn’t just a bonus; it’s the foundation of retirement income for millions. – Claiming early or waiting longer changes your benefit and long-term impact. – The Windfall Elimination Provision repeal restores fairness for many public servants. – Working while collecting doesn’t erase your benefit; it just affects timing. – Spousal and ex-spousal benefits come with key eligibility details. – Your top 35 earning years determine your Social Security calculation. – Benefits can be paused or increased after full retirement age. – Create your SSA account at ssa.gov to protect and understand your benefits. – A thoughtful plan combines Social Security, pensions, and personal savings. – Expert guidance can help turn confusion into clarity and confidence. The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/ Chapters 00:57– Introduction 02:00 - Personal Confusion 05:20 – What Social Security Really Is 08:09 – When to Start Claiming 11:01 – How Firefighters and Public Servants Are Affected 13:25 – The WEP Repeal 16:51 – Working While Receiving Benefits 20:45 – Mid-Year Retirement and Monthly Testing 21:59 – Is Social Security Going Broke? 23:28 – Spousal and Ex-Spousal Benefits 28:19– Can You Reverse Your Decision? 31:40– How Social Security Fits with Pensions and 457Bs 34:14 – Next Steps for Compounding Change Helpful Links: Social Security Website: https://www.ssa.gov/ Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/

Some acts of compassion begin quietly, with no spotlight, no plan, and no guarantee that anything will come of them. Yet those moments often plant the seeds for real transformation. Small acts, leading to big change. In this episode of Compounding Change, host Shannon Davis talks with Erin Riegle, co-founder of Linc Worldwide, a nonprofit organization that grew from a simple Facebook fundraiser into a global mission helping children and families across Kenya. Together, they explore how Linc Worldwide evolved from building an orphanage to opening a full primary school that now provides education, clean water, food, and healthcare for vulnerable children. It’s an inspiring conversation about how one “yes” can lead to another, and another, until lives are changed across continents. Whether you’re moved to volunteer, donate, or simply believe that small steps still matter, this story proves that each one truly does. Key Takeaways: -Change begins with one intentional act of compassion. -Education creates lasting, generational impact. -Trust and accountability sustain real mission work. -Everyone has gifts that can serve others. -Giving time can be as meaningful as giving money. -Challenges can refine your purpose, not stop it. -Collaboration multiplies the reach of good work. -Purpose grows when compassion is consistent. The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/ Chapters 00:59 – Introduction 02:22 A Moment That Changed Everything 04:46 – The Facebook Fundraiser 10:10 – The Five Core Pillars 15:41 – Opening the School in 2025 22:28 – The Ripple Effect of Getting Involved 31:20 – Advice for Aspiring Changemakers 34:27 – Contact Points and Closing Thoughts Helpful Links: Erin Riegle, Linc Worldwide: https://www.lincworldwide.org/ Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance. 

Retirement can sound like the finish line after decades of working, saving, and striving. But what if it’s really the start of something entirely new? So many people focus on what they’re leaving — a job, the grind, the stress — without ever asking what they’re stepping into. In this episode of Compounding Change and the Do Something mini-series, hosts Shannon Davis and Jenna Stoliker dive into what it truly means to prepare for retirement. Together, they explore the practical and personal sides of this major life transition. From understanding Social Security and Medicare to evaluating health, energy, and lifestyle goals, they discuss how to make confident decisions that align with who you are and what you value.  Remember, retirement doesn’t start when the paycheck stops. Your new life begins when you start shaping the life you want to live. Whether you’re five months or five years away, the message is clear: take one small step today toward something that matters, and begin living the future you’ve imagined. Key Takeaways: – Retirement isn’t an ending, it’s a beginning. – Plan for what you’re retiring to, not just what you’re leaving behind. – Align your plans with your health, energy, finances, and values. – Keep Social Security, Medicare, and estate documents up to date. – Emotional readiness matters as much as financial readiness. – Start small: write down five things you want more of in the next decade. – Don’t wait to live the life you envision for “someday.” – Every list, plan, and small step counts now and into retirement. The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/ Chapters 00:55 – Rethinking Retirement 01:26 – What Are You Retiring To 03:29 – The Stoliker 5.0 Plan 05:02 – Designing Your Lifestyle, Not Just Your Bucket List 08:33 – The Purpose Factor 10:33 – Identity After Work 12:00 – Small Steps Toward Change 13:27 – Retirement as a Beginning Helpful Links: Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/

It’s that time of year when decisions about healthcare coverage can make or break your peace of mind. For many, Medicare open enrollment feels like navigating a maze of deadlines, mailers, and fine print. But with the right guidance, this season doesn’t have to be overwhelming. It can be an opportunity to ensure your coverage actually fits your life. In this episode of Compounding Change, Shannon Davis welcomes back Medicare specialist Amy Terrell to cut through the noise. Amy brings years of experience helping people understand their options and avoid costly mistakes, making complex rules easy to follow. From prescription drug coverage to switching between Medicare Advantage and supplemental plans, Shannon and Amy dive into the most common choices and missteps that happen during open enrollment. They discuss how employer coverage interacts with Medicare, when special enrollment periods apply, and why it’s so important to have an advisor you can trust. If you’re staring at a pile of Medicare mailers or wondering if your current plan is still the right fit, this episode will give you the clarity and confidence you need. Key Takeaways: – Open enrollment runs from October 15 to December 7 each year – You can switch between original Medicare, Medicare Advantage, or change prescription drug plans during this time – Annual reviews are critical since provider networks and coverage details often change – Bring a list of doctors, hospitals, and prescriptions when meeting with a Medicare consultant – Don’t assume last year’s plan is still the best. Review it against current needs – Common mistakes include ignoring reviews or missing changes in networks and drug coverage – Public safety workers and retirees should also assess Medicare alongside employer coverage – Prescription drug costs and caps change year to year, making review essential – Special enrollment periods may apply after life changes such as retirement or relocation – Avoid robocalls and 800 numbers and seek referrals and trusted advisors instead The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/ Chapters 00:51Introduction 02:37 What is Medicare Open Enrollment 04:03 Open Enrollment vs Initial Enrollment 05:08 Decisions to Make 06:08 Considering a New Plan 08:57 Medicare for Public Employees and First Responders 12:14 Reviewing Drug Coverage 14:53 Life Changes 16:59 Trustworthy Resources Helpful Links: Amy Terrell, Medicare Agent /MyMedicareNetwork.com: https://mymedicarenetwork.com/ Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance. 

Career changes often feel like standing at a crossroads with both fear and excitement tugging at you. Whether a shift is forced by layoffs or chosen by a quiet inner nudge, the mix of uncertainty and possibility can shake you to your core while opening doors you didn’t even know were there. It’s rarely a clean break. Instead, it’s a journey through messy middles, self-doubt, resilience, and small steps that build into something new. In this episode of Compounding Change, sisters Shannon Davis and Jenna Stoliker share a candid conversation about navigating career pivots. Shannon reflects on her own reinventions, from gym owner to financial advisor, and the challenges of being seen in new roles. Jenna brings perspective from her path in leadership development, including the leap from a steady paycheck to starting her own coaching business. Together, they uncover how values, courage, and clarity play central roles in making meaningful shifts. At the end of the day, it’s not about having it all figured out. It’s about doing something, however small, to move forward. Because compounding change begins with the first small step. Key Takeaways: -Career change often comes with both fear and excitement, both natural -Reinvention is less about starting from scratch and more about building on experience -Permission to close a chapter can be freeing, not failing -Writing down what you don’t want helps clarify what you do want -Self-doubt and imposter syndrome are common but can be reframed as resilience -Anchoring to core values provides direction in uncertain times -Talking things out loud often brings clarity and perspective -Financial clarity is as important as emotional courage when making a leap -Change doesn’t require perfection, just small intentional steps -You don’t need to have it all figured out—you just need to do something Chapters 00:57 Opening Thoughts 02:43The Firefighter Factor 05:41 Closing Chapters 09:02 A Calling, Not Just a Career 11:30 The Messy Middle 13:55 Imposter Syndrome & Identity Shifts 18:05 Values as Compass 19:49 Practical Steps Forward 23:22 Looking Ahead Helpful Links: Small Business Administration Website: https://www.usa.gov/agencies/small-business-administration Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Jenna Stoliker at https://jennastoliker.com/

Sometimes the spark that first ignited our passion dims over time. The pressures of daily life, travel, and even the demands of doing what we love can leave us feeling drained. Yet, true growth often comes when we revisit our “why,” when we find mentors who challenge us, and when we lean into hard conversations that shape not just our careers, but our character. In this episode of Compounding Change, Shannon Davis welcomes Joe DeGain, longtime CrossFit Flowmaster, coach of coaches, and life coach at joedegain.com. Joe shares his journey from a high school teacher discovering CrossFit in a weight room, to coaching thousands of athletes and trainers around the world, and now guiding people in leadership and personal development. Their conversation explores what separates great coaches from good ones, the six criteria CrossFit uses to measure coaching effectiveness, and how leadership lessons extend far beyond the gym. Joe also opens up about the daily routines, relationships, and mindset strategies that keep him grounded, motivated, and able to serve others, even when burnout or complacency loom. In this episode, you’ll hear why Joe believes legacy isn’t about names or titles, but about the lessons that ripple outward, passed down from coach to athlete, mentor to student, and parent to child. His challenge is simple: stay curious, keep it simple, and never lose sight of the real mission—health, wellness, and being of service to others. Key Takeaways: – Passion often starts with curiosity, but lasting impact comes from staying grounded in your “why.” – Great coaches excel not just in teaching movement but in presence, attitude, and group management. – Simplicity in communication often makes coaching more effective than technical jargon. – The best leaders adapt their approach to meet each individual’s unique needs. – Consistency in habits, such as a morning routine, can fuel resilience and clarity. – Surrounding yourself with the right people prevents complacency and drives growth. – Burnout often signals distraction—refocusing on health and wellness helps restore purpose. – Hard conversations, though uncomfortable, are the seeds of lasting change. – Legacy is less about recognition and more about the ripple effect of lessons passed on. – Staying curious keeps both coaches and leaders fresh, effective, and inspired. Chapters 00:57 Introduction 02:25 A Crossfit Career 08:19 Advice for Coaches 12:48 Great Coaches 15:14 Mindset 17:07 Mistakes Coaches Make 23:45 Impact of Coaching 28:34 Staying Sharp 44:16 Compounding Change in CrossFit 48:57 Leaving a Legacy 50:20 Final Thoughts Helpful Links: Joe DeGain, CrossFit LLC: https://games.crossfit.com/athlete/46032 Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Jenna Stoliker at https://www.jennastoliker.com/

Sometimes life drops you right on your back. A job ends. A marriage falls apart. You’re left holding the broken pieces of what was, trying to figure out what’s next. In that fog of transition, one of the hardest things to rebuild is your own self-trust—your ability to believe in your voice, your values, and your own inner compass. It can feel like you're starting over with a map you’re no longer sure how to read. In this Do Something episode of Compounding Change, sisters Shannon Davis and Shannon Stoliker go beyond the stories of what happened and dive into the deeper layers of what it means to reconnect with yourself after a setback. From career disruptions to personal upheavals, they explore the subtle ways we lose track of who we are, and the small, powerful steps we can take to find our way back. There is a gap between who we are and who we think we should be, and it can grow quietly over time, often fueled by people-pleasing or fear of conflict. But awareness is the first tool. Jenna outlines the difference between core values and acquired values, encouraging listeners to distinguish what’s truly theirs from what they’ve absorbed. Shannon adds personal insight and a few funny stories to remind us that growth isn’t always graceful. But it is always worth it. Whether you're rebuilding after a divorce, job loss, or a season of personal disconnection, this episode is a thoughtful, honest guide to starting again, not by doing something dramatic, but by doing something real. One step, one decision, one brave “no” or vulnerable “yes” at a time. Key Takeaways: -Setbacks often shake our identity and self-trust more than we realize -Rebuilding starts with small, consistent actions—not big breakthroughs -Self-betrayal can happen quietly when we avoid conflict or over-accommodate -Journaling helps clarify truth when thoughts feel tangled -Core values are different from acquired values—we can unlearn what’s not ours -People-pleasing takes many forms and drains self-confidence -Saying “no” without over-explaining is a powerful practice -Living in alignment requires awareness, not perfection -Tools like values assessments can guide self-reflection -Self-trust isn’t something you find, it’s something you practice Chapters IChapters 00:59 Introduction 04:40 Rebuilding Self-Trust 10:25 Journalling as a Step Forward 13:25 Discovering Your Core Values 18:49 Understanding Self-Worth 22:33 Discovering Your Values 28:09 Action Steps/Do Something Challenge Helpful Links: Finding Your Values Guidebook: https://jennastoliker.com/wp-content/uploads/2025/06/Finding-Your-Values.pdf Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ ---------------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

When divorce enters your life, it doesn’t just change your relationship status—it shakes your foundation. The silence can be louder, the shame heavier, and the path forward unclear. When your identity, finances, and sense of self feel like they’re unraveling at the same time, how do you start to put the pieces back together? In this Do Something episode of Compounding Change, sisters Shannon Davis and Jenna Stoliker open up about their individual experiences walking through divorce, financial strain, and emotional recovery. Jenna reflects on surviving abuse, isolation, and the gradual unraveling of her identity—until a quiet moment of clarity made her take the wheel back. Shannon shares her own path, including the emotional toll of bankruptcy and the shift from hiding in shame to helping others find financial clarity and confidence. The conversation is not about blame—it’s about truth, healing, and doing the next small thing. Because, remember, you don’t have to do everything. But you can do something. Key Takeaways: Emotional and financial collapse often happen side by side Abuse isn't always obvious until you're in too deep Small, consistent steps are the foundation of rebuilding Isolation fuels shame; connection breaks it Being honest at work or with loved ones is a major turning point Affirmations can help reshape your self-worth Peacekeeping can delay healing Bankruptcy can be devastating—and also freeing Rebuilding your credit is about more than numbers—it's about confidence Everyone has a different version of the story, and that's okay Chapters 00:57 Introduction 01:53 – Recognizing the Drift
06:09 – Losing Your Voice, Finding Your Way
09:25 – Sharing and Support
13:54 – When Finances Fall Apart
20:15 – Hitting Rock Bottom and Starting Over
29:35 – Do Something: Reclaiming Identity and Agency Helpful Links: Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis The Compounding Change Podcast is sponsored by Jenna Stoliker, Leader Coach. https://jennastoliker.com/

Medicare isn’t exactly the most thrilling topic, but it’s one that can make or break your peace of mind as you head toward retirement. So many people put it off, get overwhelmed by the mailers and commercials, or think they’re automatically covered at 65—only to find themselves scrambling at the last minute. In this episode of Compounding Change, Shannon Davis and guest Amy Terrell dig deep into what Medicare really is, who qualifies, when you should start planning, and how to avoid the pitfalls that can cost you big time down the road. Amy is a licensed Medicare agent with My Medicare Network who’s helped hundreds of people figure this out without losing sleep. She explains why 64-and-a-half is the “sweet spot” for starting the process, breaks down the alphabet soup of Parts A, B, C, and D, and clarifies when it makes sense to compare your company plan to Medicare, even if you're still working at 65. Throughout the episode, Amy and Shannon emphasize that no two retirees are alike, even within the same household, and that working with an expert can help you sort the options without the spam calls and mail clutter. They wrap with common mistakes people make, the importance of reviewing your plan annually during open enrollment, and a reminder that this decision is deeply tied to your broader retirement strategy, from Social Security to pensions. Key Takeaways: Start planning for Medicare around age 64.5 so you have time to understand options and avoid delays. Medicare is not automatically free at 65—Part B premiums are income-based with a two-year tax look back. Original Medicare (Parts A and B) leaves 20% out-of-pocket exposure with no cap, making supplements or Advantage plans worth considering. Medicare Supplement (Medigap) plans have higher premiums but more flexibility and fewer bills later. Medicare Advantage plans often have lower premiums but networks, and offer extras like dental, vision, hearing, and gym memberships. Be cautious of marketing mailers and commercials that don't account for your doctors, prescriptions, or needs. Review your plan annually during open enrollment, as plans and benefits can change each year. Amy offers free Medicare assessments to help individuals compare options and find the best fit for their situation. Chapters 00:57 Introduction and Why Medicare Matters 03:56 Medicare 101: What is it and Who Qualifies 06:28 When to Start the Process 11:07 How Much Does it Cost 17:05 Supplements Vs Advantage Plans  20:53 Personalized Assessments: Getting the Help You Need 22:37 Special Considerations for Public Safety Retirees 25:16 Tackling the Mail Pile 27:06 Closing Thoughts and Contact Information Helpful Links: Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

Wouldn’t it be great if there were a way to procrastinate putting things off? To procrastinate the procrastination! Too often, especially when it comes to retirement and financial decisions, folks wait too long to take the first step. And then, it’s often too late to take advantage of what is in your best interest. Even taking a moment to ask for help to learn more is a first step that can pay big dividends. This is the second episode in a special series of the Compounding Change Podcast called “Do Something”, as host Shannon Davis and Leadership Coach Jenna Stoliker focus on things we can all do to take action on some of life’s most important and impending stages.   In this episode, they delve into the complexities of Medicare and Social Security, sharing personal experiences and insights on navigating these essential systems. They emphasize the importance of proactive financial planning, the need for emotional safety in discussions about aging and benefits, and the power of taking small, actionable steps towards understanding and managing one's financial future.  The conversation encourages listeners to seek knowledge, ask questions, and engage in meaningful discussions about their financial well-being. Takeaways -Medicare does not cover everything; there are significant gaps. -Social Security benefits vary based on individual circumstances. -It’s crucial to enroll in Medicare at the right time to avoid penalties. -Understanding Social Security requires knowledge of personal work history and marital status. -Proactive financial planning is essential for retirement. -Asking questions and seeking help is a sign of strength, not weakness. -Emotional safety is important when discussing financial matters with loved ones. -Checking your earnings history can impact your Social Security benefits. -Conversations about finances should be ongoing and not left until retirement age. -Taking small steps towards financial literacy can lead to greater empowerment. Chapters 01:10 Introduction 04:27 Navigating the Complexities of Social Security 08:35 Empowering Conversations About Financial Planning 10:45 Taking Action: The Do Something Challenge Helpful Links: Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

Life is hard.  Making decisions is hard. But sitting back and taking a “wait and see” attitude isn’t going to make it any easier. Often, the very best thing you can do, is “Do Something”. This is a special edition of the Compounding Change Podcast, as host Shannon Davis welcomes back Leadership Coach Jenna Stolliker as they introduce the 'Do Something' series. Here, Jenna and Shannon focus on things we can all do to take action on some of life’s most important and impending stages.   In this first episode of the series, they talk about the uncomfortable topics surrounding retirement planning and caregiving. As sisters, they share personal experiences and insights on navigating the emotional complexities of these life stages, emphasizing the importance of taking small, intentional actions to address overwhelming situations. The conversation highlights the need for open discussions about difficult topics and offers practical challenges to encourage listeners to engage with their loved ones about their wishes and needs. Takeaways -This series is about moving from avoidance into action. -Retirement planning often brings up uncomfortable topics. -Caregiving can be emotionally overwhelming and complex. -It’s important to have conversations about end-of-life wishes. -Understanding the emotional weight of caregiving is crucial. -Navigating Medicare and Social Security can be confusing. -Taking small steps can lead to significant change. -It’s okay to feel overwhelmed during caregiving. -Validating feelings is the first step to regaining agency. -Every small step adds up to create meaningful change. Chapters 01:03 Introduction to Do Something Series 03:28 Real-Life Challenges of Caregiving 06:22 Navigating Emotions in Caregiving 11:50 Understanding the System: Medicare and Social Security 13:15 Do Something Challenge: Taking Action Helpful Links: Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

Change is inevitable. It happens, and there is not much that can be done to steer the direction it will take. Change is hard, and many people resist it. But change is an opportunity, and those who accept it, learn from it, and move with it can take advantage in ways that were never available before.   In this episode of Compounding Change, host Shannon Davis welcomes back Leadership coach Jenna Stoliker. Together, they discuss the challenges and resistance faced by individuals, particularly first responders, when it comes to financial change.  They explore the psychological aspects of why people resist change, the importance of mindset shifts, and how to reframe financial decisions as opportunities rather than threats. The conversation emphasizes the need for alignment with financial advisors and the value of community support in navigating financial uncertainties. Takeaways -Resistance to change is a common human experience. -Predictability is crucial in high-stakes environments like firefighting. -Uncertainty triggers resistance in financial decision-making. -Asking for help can be met with internal resistance. -Mindset shifts are essential for navigating financial changes. -Reframing change as an opportunity can reduce fear. -Surrounding yourself with supportive people is vital. -Alignment with financial advisors is key to effective planning. -Small consistent actions lead to significant results. -Continuous learning is necessary for effective financial guidance. Chapters 00:56 Introduction 02:16 Frustrations with Financial Planning Changes 10:55 Step by Step Process 15:55 Resistance to Change 19:14 The Right People On Your Team 23:41 Conclusion and Contact Information Helpful Links: Jenna Stoliker: https://jennastoliker.com/ Shannon Davis: https://www.daviscompoundingchange.com/ Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

Being a firefighter takes a toll on more than just your health, which is significant for anyone who has seen a firefighter do their thing. It also affects your mental health, and it affects your family relationships. We always expect firefighters to take care of us. Who is taking care of them?  In this episode of Compounding Change, host Shannon Davis speaks with Jim Burneka, a retired firefighter and author of 'Overcoming Tuesday.' They discuss Jim's journey through the challenges of firefighting, including personal trauma, health risks, and the importance of resilience and wellness.  Jim shares insights on navigating career transitions, planning for retirement, and the dynamics within the firefighting community. The conversation emphasizes the need for awareness around mental health and the impact of personal experiences on professional life, and how professional experiences absolutely impact the personal life, especially as a firefighter. Helpful Links: Jim Burneka:  jimburnekajr@gmail.com Overcoming Tuesday Book: https://www.amazon.com/Overcoming-Tuesday-Responders-Healing-Resiliency/dp/B0CYMZ228H Shannon Davis: https://www.daviscompoundingchange.com/ Takeaways -Firefighting presents unique challenges that can lead to personal struggles. -Health risks, including cancer, are significant concerns for firefighters. -Wellness initiatives are crucial for supporting firefighters' mental health. -Planning for retirement is essential, especially in high-risk careers. -Navigating career transitions can be challenging but rewarding. -Community support is vital in the firefighting profession. -Vulnerability can enhance the ability to help others. -Personal experiences shape professional perspectives and actions. Divorce rates are high -among firefighters due to job stress. -Communication with partners is crucial for relationship health. -Radical acceptance can lead to positive life changes. -Being present for family is a valuable outcome of retirement Chapters 00:56 Introduction to Compounding Change Podcast 02:37 Impact of Firefighting and Writing the Book 07:37 Hard Reality of Being a Firefighter 15:50 Advocating for Health and Wellness for Firefighters 37:17 Life After Firefighting 40:38 Relevant Podcasts 47:07 Jim Burneka Contact info and Conclusion --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

Financial planning isn’t just about numbers. It’s about people. And when those people are first responders, well the job of a financial planner just got that much more critical. When you know who you are planning for, what matters to them, and why, then you can really make an impact with a strong financial plan. It matters, because the people we count on in moments of crisis, are counting on us.   In this episode of Compounding Change, host Shannon Davis engages with financial advisors Ed Kindler and Phil Holstrom of Retirement Plan Advisors to discuss their experiences working with firefighters and police officers. They explore the unique challenges these professionals face, the importance of understanding their roles, and the significance of retirement planning for these unique individuals who give so much of their lives toward our safety.  Helpful Links: Ed Kindler, Retirement Plan Advisors:  https://retirementplanadvisors.com/meet-our-team/edward-kindler/ Phil Holstrum, Retirement Plan Advisors: https://retirementplanadvisors.com/meet-our-team/phil-holstrom/ Shannon Davis: https://www.daviscompoundingchange.com/ Takeaways -The role of financial advisors extends beyond just retirement plans. -Understanding the unique challenges faced by firefighters is crucial. -Firefighters contribute significantly to their retirement savings. -Building trust with clients is essential for effective financial advising. -Financial education is lacking in many communities. -Small increases in contributions can lead to substantial retirement savings. -It’s important to review and update financial plans regularly. -Firefighters often face intense situations that impact their financial decisions. -The importance of being proactive in financial planning cannot be overstated. -Advisors should focus on providing unbiased financial advice. Accessibility is crucial for clients, especially firefighters. -Social security planning requires personalized attention and education. Chapters 00:58 Introduction to Compounding Change Podcast 03:28 Understanding the Role of Financial Advisors for Firefighters 06:47 Insights from Fire Ops Training 12:01 Core Messages for Firefighters 18:29 Building Trust with Firefighters 25:55 The Importance of Social Security Planning 29:46 Timing Social Security Benefits 31:44 The Risks of Financial Rollovers 36:35 The Role of Financial Advisors --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

There is change in any professional career. If you're not evolving, the career will leave you behind. In no profession is this more true than in real estate. Technology, economical conditions, marketing trends, etc. The same goes for someone buying or selling a home. It's different than it was the last time you did it. Either way, it's better to stay on top of the changes that happen around you. Because if you try to catch up later, it might be too late. In this episode of Compounding Change, host Shannon Davis speaks with Rich Ganim, a seasoned realtor and founder of The Ganim Group, about his journey into real estate, the importance of hard work, and the evolving landscape of homeownership. Rich shares insights on building his business, the significance of education in home buying, and practical advice for young adults preparing for homeownership. The conversation emphasizes the need for gradual growth and the realities of the current real estate market, including the pros and cons of renting versus buying, the importance of home staging, and the lifestyle implications of real estate transactions. They also touch on the significance of maintaining health while managing a busy career and family life, emphasizing that personal well-being is crucial for success in all areas of life. Takeaways -Success is a gradual process, often taking years of hard work and dedication. -The real estate market has changed significantly since the early 2000s, affecting first-time homebuyers. -Education about homeownership is crucial for younger generations. -Renting can be a practical choice for many, allowing for financial preparation before buying a home. -The average first-time homebuyer is now older than in previous generations, often due to market conditions. -Investing in real estate requires financial preparedness. -Home staging can significantly impact the sale of a property. -The way we live in a home differs from how we sell it. -Health should be prioritized alongside work and family. -Finding time for personal health is essential for overall success. -Small, consistent actions lead to big results. Chapters: 01:00 Introduction to Compounding Change 03:18 Changes in Real Estate 09:33 The Hard Work Behind Success 17:14 Preparing for Homeownership 27:11 Preparing to Sell a Home 34:16 Balancing Health and Work 39:25 Connecting with Rich Ganim Helpful Links: Rich Ganim: https://theganimgroup.com/ Shannon Davis: https://www.daviscompoundingchange.com/ --------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

Wanting to be healthy is one thing. Knowing how to be healthy is another thing. But taking the first step toward a healthy lifestyle is something else entirely. It's not easy to make changes, but a few steps toward positive change today can add up to big changes in the future. Like investing, compounding change is at work in your health, too. In this episode of Compounding Change, Shannon Davis speaks with Julie Smolen, Integrative Health Practitioner and founder of Holistic Hive about her transformative journey through health and fitness. They discuss the importance of small, intentional actions in creating compound changes in life. Julie shares her experiences with fitness, health challenges, and the discovery of natural remedies, particularly essential oils, that have empowered her and her family. Shannon and Julie talk about the importance of eliminating toxins from the home, the role of nutrition as medicine, and the connection between gut health and mental well-being. They emphasize the need for exercise and a holistic approach to health, particularly as it relates to aging and women's health issues. The discussion also touches on the impact of dietary choices on long-term health and the importance of planning for a healthy future. Takeaways -Small actions lead to big results in health and life. -Health is not just about diet and exercise; it's holistic. -Natural remedies can significantly improve well-being. -Creating a healthy home environment is essential for families. -Eliminating toxins from the home is crucial for health. -Food should be viewed as medicine, focusing on whole foods. -Mental health can be influenced by dietary chemicals. -Gut health is linked to neurological conditions like Parkinson's. -Regular exercise is essential for maintaining health as we age. -Dietary choices today affect long-term health outcomes. -Awareness of food's impact on health is vital for families. -Small, consistent changes lead to significant health improvements. -Listening to your body is important for overall wellness. -Planning for health is as important as financial planning for retirement. Chapters 01:35 Introduction to Compounding Change 04:39 Julie Smolen's Transformative Journey 06:51 Health and Fitness Competition 10:28 Facing Health Challenges 15:53 Discovering Natural Remedies 22:22 Eliminating Toxins for Better Health 25:58 Food as Medicine: The Importance of Nutrition 28:48 The Role of Exercise in Health and Longevity 34:04 Planning for a Healthy Future Helpful Links: Juli Smolen: https://julismolen.lifestepseo.com/ Shannon Davis: https://www.daviscompoundingchange.com/ ------------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

When you see those firemen at the intersection and you wonder what that's all about, it's about raising funds for the Muscular Dystrophy Association. How that works, what happens behind the scenes, and why it makes a difference that you help to "Fill the Boot" is the topic of this episode of the Compounding Change Podcast. In this episode of Compounding Change, Shannon Davis speaks with Bill Matthews, the Ohio Association of Professional Firefighters (OAPFF ) State Representative for the Muscular Dystrophy Association (MDA).  They discuss the history and impact of MDA, the importance of fundraising efforts like the Fill the Boot campaign, and the significant advances in research and treatment for muscular dystrophy. Bill emphasizes the transparency of MDA's fundraising, where 70% of donations go directly to treatments and advocacy. The conversation also touches on the mental health challenges faced by first responders and the need for support in addressing PTSD. And of course, the fact that your donations, no matter how small, are making a difference by "compounding change" over time. Takeaways -Compounding Change focuses on small actions leading to big results. -MDA has been raising funds for muscular dystrophy since 1952. -Fill the Boot is the largest fundraising event for MDA. -70% of donations to MDA go directly to treatments and research. -There have been 18 FDA-approved treatments for muscular dystrophy since 2020. -Community engagement is crucial for effective fundraising. -Mental health support for first responders is increasingly important. -MDA coordinates care to make it easier for patients to access services. -Transparency in fundraising is vital for donor trust. -Advocacy for individuals with disabilities is a key part of MDA's mission. Helpful Links: Ohio Association of Professional Firefighters: https://oapff.org/ Muscular Dystrophy Association: https://www.mda.org/ Shannon Davis: https://www.daviscompoundingchange.com/  ------------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.  Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance.  The Compounding Change Podcast is brought to you by Shannon Davis

It's hard to see the evidence in small changes on a day to day basis. But it's easy to look back over time and see what you've accomplished. And not a long time either, as age is not significant when it comes to change. In this episode of Compounding Change, Shannon Davis speaks with Marcy Schoenborn, Author, and owner of Scho Fit, and a personal trainer and nutrition expert. They talk about the importance of small actions in achieving significant health and wellness results. Marcy shares her personal journey of overcoming health challenges through nutrition and fitness, emphasizing that age is just a number and that it's never too late to start prioritizing health. The conversation covers the significance of mindset, the role of nutrition in health, and the importance of supplements, while also addressing the emotional aspects of making lifestyle changes. Takeaways -Focus on how you feel, not just how you look. -Nutrition is foundational to health and fitness. -Small actions can lead to significant health improvements. -Mindset is crucial in overcoming health challenges. -It's important to address emotional eating triggers. -Supplements should complement a healthy diet, not replace it. -Celebratory eating is okay; balance is key. -Health is a lifelong journey, not a destination. -You can start your health journey at any age. -Helping others is a powerful motivator for change. Helpful Links: Scho Fit: https://www.scho.fit/ Shannon Davis: https://www.daviscompoundingchange.com/ --------------- Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Cambridge Investment Research, Inc., a registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Retirement Plan Advisors, LLC, a Federally Registered Investment Adviser. Cambridge Investment Research and Retirement Planning Advisors are not related to DavisCompoundingChange.com or this podcast. Please note that investment involves risk, and no statements made in this recording are indicative of future performance. The Compounding Change Podcast is brought to you by Shannon Davis