The Long-Term Care Decision Most People in Their 50s & 60s Are Ignoring

Most people in their fifties and sixties know long-term care exists. They just don't plan for it — because thinking about it is uncomfortable. So they put it off. And putting it off is itself a decision. Just not the one they'd make if they were thinking clearly.

In this solo episode of Beyond the Numbers, fiduciary financial planner Chris Everett breaks down why long-term care is the financial risk with the highest probability of wiping out everything a couple spent 30 years building — and what a real strategy to protect against it actually looks like.

What You'll Learn:

• Why long-term care is the most avoided and most consequential financial decision most pre-retirees never make
• The reframe that changes everything: this isn't planning for sickness — it's protecting the retirement you built
• Why the average private nursing facility costs over $90,000 a year — and why Medicare won't save you
• How one long-term care event can erase 30 years of savings with no bad investment decisions involved
• Why waiting doesn't give you more time — it gives you fewer options at a higher cost
• The unique risk business owners face when this is missing from their plan
• Where to start building a real strategy before the window closes

Resources:
Everett Wealth Solutions: https://chris-everett.knowledgevaultpress.com/long-term-care

Free resource + Pre-Discover Session (30 min, no cost): https://calendly.com/ews407/30min?back=1&month=2026-06

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Everett Wealth Solutions is a Registered Investment Adviser in the State of Illinois providing fiduciary financial planning and asset management across the nation.

Donata Stroink-Skillrud is a licensed attorney, certified information privacy professional, and the president and co-founder of Termageddon — a privacy policy platform covering 120+ laws that has helped thousands of businesses from solo entrepreneurs to Fortune 500 companies stay compliant as privacy regulations continue to multiply.

In this episode of Beyond the Numbers, she joins host Chris Everett for a wide-ranging conversation about what data privacy really means for business owners, what the regulatory landscape looks like right now, and how to protect your business without drowning in legal fees.

Donata's story starts with a Target data breach notice, a first date that turned into a business plan, and a career-long mission to democratize privacy compliance for the businesses that need it most but can least afford the lawyers to get there.

What You'll Learn:

• Why most businesses assume they're too small for privacy laws to apply — and why that assumption is dangerous
• The first step every business owner needs to take to understand their compliance obligations
• Why your privacy policy must match your actual practices — and the legal exposure when it doesn't
• The growing state-by-state privacy patchwork in the US and what it means for your business in the next 3-5 years
• The shocking license plate reader story — and what it reveals about how personal data is being shared without consent
• Why compliance always has to come from the top of the organization to actually stick
• How Termageddon is expanding globally — and what different countries' privacy laws reveal about their culture

🔗 Links & Resources:
Termageddon: https://termageddon.com/
Follow Donata on LinkedIn: / donata-stroink-skillrud

Subscribe to Beyond the Numbers for conversations where money meets meaning and purpose — bringing together voices from business, finance, law, and leadership to talk about the moments that shape us and the strategies that sustain us.

Everett Wealth Solutions is a Registered Investment Adviser in the State of Illinois providing fiduciary financial planning and asset management across the nation.

Most people don't lose money from bad decisions. They lose money from no decision — waiting for clarity that never quite comes while the window quietly closes.

In this solo episode of Beyond the Numbers, fiduciary financial planner Chris Everett walks through the three financial decisions that carry the highest cost of delay and why if you're between 58 and 67, right now is the most important financial window of your life.

Markets don't pause. Tax laws don't wait. And the cost of inaction compounds just as fast as a bad move.

What You'll Learn:

• Why waiting for clarity is itself a financial decision — and often an expensive one
• The 3 decisions with the highest cost of delay: Social Security timing, retirement plan rollovers, and early retirement income structure
• Why the difference between claiming Social Security at 62 vs. 70 can exceed $100,000 in lifetime income
• What the "decision decade" (ages 58–67) really means for your retirement outcome
• Why treating your 401k as set-it-and-forget-it is not a strategy — it's hope
• What an honest fiduciary conversation actually looks like — and why it consistently leads to better outcomes

Resources:
Everett Wealth Solutions: https://chris-everett.knowledgevaultpress.com/long-term-care

Free resource + Pre-Discover Session (30 min, no cost): https://calendly.com/ews407/30min?back=1&month=2026-06

Everett Wealth Solutions is a Registered Investment Adviser in the State of Illinois providing fiduciary financial planning and asset management across the nation.

Subscribe to Beyond the Numbers for conversations where money meets meaning and purpose.

In this episode of Beyond the Numbers, host Chris Everett sits down with renowned business strategist, author, and thought leader Rashad Tabakawala for a powerful conversation about leadership, technology, and what it means to stay human in an increasingly data-driven world.

After spending nearly four decades at the forefront of digital transformation, advising global organizations such as Google, Meta, IBM, Walmart, and JPMorgan Chase, Rashad shares why he believes the greatest challenge facing modern leaders isn't technology—it's preserving humanity, creativity, and purpose amid rapid change.

Together, Chris and Rashad explore the ideas behind Rashad's acclaimed books Restoring the Soul of Business and Rethinking Work, discussing the balance between data and intuition, the future of work in the age of AI, the rise of fractional careers, and why the most successful organizations combine digital innovation with authentic human connection.

Listeners will hear practical insights on leadership, vulnerability, organizational culture, lifelong learning, and navigating uncertainty in a world where the future no longer fits the containers of the past.

Whether you're a business leader, entrepreneur, advisor, or someone rethinking your own career path, this conversation offers valuable perspectives on building a life and business that align success with meaning and purpose.

Topics include: • Staying human in the age of AI • Leadership with honesty, empathy, and vulnerability • The future of work and career transformation • Balancing data, technology, and human connection • Creating cultures of trust and innovation • Learning, adaptability, and long-term relevance

Join us for an inspiring discussion on where money meets meaning—and why the soul of business matters now more than ever.

About the Guest:

Rashad Tabakawala is a globally recognized business strategist, bestselling author, speaker, and former Chief Strategist and Chief Growth Officer of Publicis Groupe, where he spent 37 years helping lead one of the world's largest organizations through the digital revolution while advising companies such as Google, Meta, IBM, Walmart, and JPMorgan Chase. He is the author of Restoring the Soul of Business and Rethinking Work, co-founder of the Athena Project, founder of the Tabakawala Foundation, and a trusted advisor to leaders worldwide on the future of work, leadership, and staying human in the age of AI.

About the show

Beyond the Numbers is where growth-minded professionals talk strategy, legacy, and the financial decisions that shape their future. Hosted by fiduciary financial planner Chris Everett, the podcast explores how people align business growth with personal purpose through intentional wealth-building. Chris is also President of Everett Wealth Solutions, Inc. is a Registered Investment Adviser in the State of Illinois for fiduciary financial planning and asset management across the nation.

Beyond the Numbers: How CAST Water Safety Foundation Teaches Toddlers to Self-Rescue with Liz Hubbert

What if the “water baby” dunking we see on vacation is actually teaching toddlers something dangerous—like believing an adult will always be there to pull them up for air?

In this episode of Beyond the Numbers, host Chris Everett sits down with Liz Hubbert, leader of the CAST Water Safety Foundation, to share the pivotal poolside moment that changed everything—and launched a mission to help children become aquatic problem solvers.

Liz explains how self-rescue swim instruction (including ISR and similar programs) uses six weeks of daily, private 10-minute lessons to teach even very young kids how to swim, float, find air, and practice fully clothed—skills designed to prevent drowning, the leading cause of death for children ages 1–4, with many incidents occurring during non-swim time.

CAST’s model is equally unique: ✅ Operates under the Innovative Lavin Family Foundation umbrella (connected to the Alberto Culver family) ✅ Works with ~35 partner instructors across the country ✅ Directs 100% of donations to swim lessons + safety education ✅ Offers scholarships for teachers, nurses, first responders, military families, children with special needs, and families with income-based need

Liz also shares CAST’s collaboration with the University of Alabama at Birmingham’s Youth Safety Lab on a published study on 1-year-old water competency, plus practical safety guidance every caregiver should know—like proper pool fencing and checking water first if a child is missing.

Learn more, find programs, and locate instructors: castwatersafety.org

⏱️ Timestamps 00:00 Podcast Intro 00:40 Poolside Wake Up Call 03:12 Discovering ISR Lessons 06:30 Six Weeks to Self Rescue 08:22 From Teacher to Founder 11:50 Lavin Foundation Model 14:46 Aquatic Problem Solvers 17:42 Confidence Beyond Water 20:14 Community of Swim Families 20:52 Scaling Instructor Quality 22:28 Nationwide Team Impact 23:36 Scholarships and Access 24:55 WGN Stories and Awareness 27:46 Balancing Mission and Family 32:16 Community Culture and Growth 35:02 Water Safety Call to Action 38:46 Closing Thanks and Outro

🔔 Subscribe for more conversations where money meets meaning and purpose. ⭐ If this episode resonated, please like, comment, and share—a share can save a life.

#BeyondTheNumbers #WaterSafety #CAST #DrowningPrevention #Parenting #ChildSafety #ISR #SwimLessons #NonprofitLeadership #FamilySafety

In this episode of Beyond the Numbers — where money meets meaning and purpose, host Chris Everett sits down with Brad Jenkins, CFP®, Chief Investment Officer & CEO of MarketGuard, to unpack what it really takes to pursue strong returns without living through stomach-churning volatility.

Brad shares the unlikely origin story that started with him reading the financial section in 7th grade, the moment he realized the industry often prioritizes profits over people, and why he built Market Guard around three pillars: excellence, integrity, and innovation.

You’ll also hear the “cookies” framework behind Brad’s book Cookies and Retirement: A Recipe for Success—a simple way to understand portfolio construction, behavioral risks, and why “time and temperature” matter as much as ingredients.

If you’re an investor who wants clarity, or an advisor evaluating an investment partner, this conversation breaks down what to look for, what questions to ask, and how disciplined downside protection can help clients stay invested when markets get loopy.

🎙️ Guest: Brad Jenkins, CFP® — CIO & CEO, MarketGuard 🎧 Host: Chris Everett — Everett Wealth Solutions

In this episode, we cover: • Why Brad entered wealth management (and what nearly turned him away) • The 3 biggest threats to your money (and why “you” is #1) • What makes Market Guard different: returns with lower volatility • Why “Noah built the ark before it rained” is a risk-management blueprint • How to evaluate a money manager (track record, volatility periods, and skin in the game) • The Mastery Event with leadership strategist & American hero Sean Patton • What’s next: Market Guard’s new index + structured note conversations with major institutions

📌 About the show Beyond the Numbers is where growth-minded professionals talk strategy, legacy, and the financial decisions that shape their future. Hosted by fiduciary financial planner Chris Everett, the podcast explores how people align business growth with personal purpose through intentional wealth-building.

Everett Wealth

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#BeyondTheNumbers #ChrisEverett #BradJenkins #MarketGuard #EverettWealthSolutions #WealthManagement #FinancialPlanning #Investing #PortfolioManagement #RiskManagement #DownsideProtection #Volatility #BehavioralFinance #Fiduciary #RetirementPlanning #FinancialAdvisor #RIA #AssetManagement #Leadership #PurposeDrivenWealth #LegacyBuilding

In this episode of Beyond the Numbers, host Chris Everett sits down with Robert J. Mondo, an estate planning attorney who has spent more than two decades helping families protect what matters most — with clarity, intention, and zero legal jargon.

Bob brings a rare blend of deep tax expertise and an educator’s mindset, breaking down complex estate planning strategies into language everyday people can actually understand. From revocable trusts and special needs planning to asset protection and advanced tax-saving vehicles, this conversation goes far beyond documents and dives into why proper planning — and proper funding — makes all the difference.

You’ll hear why most estate plans fail, the dangers of outdated trusts, the critical role of trust funding, and why estate planning only works when attorneys and financial planners operate as a true team.

If you want to design a legacy that avoids confusion, unnecessary taxes, and missed opportunities, this episode is essential listening.

⏱️ TIMESTAMPS

00:00 – Welcome to Beyond the Numbers

00:27 – Meet your host, Chris Everett

00:35 – Introducing Robert J. Mondo

01:31 – Why Bob approaches law as an educator

02:43 – From tax attorney to estate planning specialist

03:56 – Helping clients truly understand their plans

05:11 – Why most estate plans fall short

06:16 – The danger of form-based and DIY trusts

07:17 – Core estate planning structures explained

08:19 – Why old trusts (pre-2012) can be problematic

09:12 – Reciprocal spousal trusts and hidden risks

10:29 – Step-up in basis explained simply

11:41 – Why simplicity often wins in estate planning

12:30 – Why trusts older than 2012 should be reviewed

13:16 – What a revocable trust actually does

14:20 – Probate avoidance and asset control

15:24 – Asset protection trusts and who really needs them

16:13 – Special needs planning mistakes to avoid

17:41 – Intentionally defective grantor trusts explained

18:56 – Removing assets from taxable estates

20:18 – How promissory notes preserve control

21:41 – When advanced trusts make sense

22:00 – Attorney + financial planner collaboration

23:14 – Retitling assets without triggering taxes

24:36 – Common planning breakdowns

25:21 – A real-world missed planning opportunity

26:46 – Fixing estate problems after death

27:58 – Why transparency matters in planning

28:22 – Current estate tax law considerations

29:34 – Succession planning for solo attorneys

31:04 – Trust funding as part of a fiduciary process

32:17 – Why documents alone aren’t enough

33:27 – Checklists, reminders & accountability

34:35 – The danger of last-minute planning

35:00 – Bob’s law school journey

36:18 – Why tax attorneys collaborate differently

37:39 – Creating proprietary estate planning categories

38:58 – Custom planning vs template documents

40:18 – Why other attorneys notice the difference

41:15 – What to look for in an estate planning attorney

42:09 – Avoiding generalists in complex planning

42:58 – How to research the right attorney

43:36 – How to contact Bob Mondo

45:43 – Building the right financial team

47:16 – Why financial planning comes first

48:18 – Final thoughts & closing

🎧 CALL TO ACTION

👉 Subscribe to Beyond the Numbers for deeper conversations about wealth and meaning.

👍 Like the episode and share it with someone reviewing their estate plan.

🔔 Turn on notifications so you don’t miss future episodes.

📩 Share this episode with a family member or advisor who needs to hear it.

In this powerful episode of Beyond the Numbers, host Chris Everett sits down with Carlos and Julie Muñoz, founders of TMP Janitorial, to share a story of breakthrough, marriage restoration, and business transformation.

What started as a struggling marriage and two disconnected businesses turned into a redemption story marked by honesty, vulnerability, faith, and radical authenticity. After years of fear, hidden financial struggles, resentment, and emotional distance, one pivotal moment changed everything — a moment where truth surfaced, fear broke, and healing began.

Their marriage transformed…

And their business followed.

From stagnant revenue and broken trust to explosive growth, 40 employees, expansion into multiple states, and a second business in real estate — their journey proves that sometimes the biggest business problems require a spiritual solution.

If you’ve ever felt stuck in your relationship, your business, or both, this conversation will challenge the way you think about success, partnership, and faith-driven transformation.

Learn more about the company Carlos & Julie run together: https://tmpjanitorial.com/

⏱️ TIMESTAMPS

00:00 – Welcome to Beyond the Numbers

00:02 – What this podcast is REALLY about

00:27 – Meet your host, Chris Everett

00:36 – Introducing Carlos & Julie’s incredible story

01:02 – From $250K to $1.2M…and climbing

01:22 – The real reason their breakthrough happened

01:58 – Five years of separate lives & hidden struggles

02:26 – A moment of surrender, honesty & divine intervention

03:01 – Business grows as the marriage heals

03:31 – Welcoming Carlos & Julie

03:55 – How they all first met

04:23 – Early marriage, separate businesses, disconnect

05:00 – Love at first sight & their early story

06:21 – Carlos hides failures out of fear

07:37 – The moment everything came to light

08:01 – Julie’s surrender and spiritual awakening

09:07 – The emotional toll & the breaking point

10:16 – Fear, control & disconnection

11:29 – The supernatural moment at church

12:25 – The porch conversation that changed everything

13:25 – Confession, repentance & emotional honesty

14:10 – Modeling vulnerability using the Connection Code

17:05 – Fear, guilt, shame, sadness, hurt & joy — in real time

21:31 – Julie responds with honesty, hope & clarity

23:14 – Breakthrough and instant emotional shift

24:37 – Healing: what happened next

25:42 – How surrender changed their business

27:17 – Tripling the business in months

28:04 – Expansion, 40 employees & new businesses

28:34 – Carlos’ 3 commitments in every business meeting

29:34 – How Chris helped transform their financial life

30:02 – A marriage “made in heaven”

30:27 – Childhood roots & the entrepreneurial drive

31:49 – Purpose, impact & business as a tool

32:46 – How employees noticed the change

33:09 – Compassionate leadership & emotional safety

34:11 – Tools that shifted their company culture

34:28 – Working together with humility & vulnerability

35:04 – No longer faking strength — leading with truth

36:11 – Advice for struggling couples

37:15 – Rebuilding trust & emotional safety

37:38 – A message to men about passivity

38:25 – What bravery really looks like

38:45 – The next 5 years: legacy, expansion, community impact

40:25 – The legacy they’re building for their children

41:22 – A reminder that healing is always possible

42:03 – Final reflections & gratitude

42:28 – What TMP stands for

42:51 – Subscribe, rate, review & share

🎧 CALL TO ACTION

👉 If this story moved you, subscribe for more life-changing conversations.

👍 Like and comment to share how this episode impacted you.

🔔 Turn on notifications so you never miss new episodes.

📩 Share this with someone who needs hope, healing, or clarity right now.