In this episode of Financial Wellness Today, host Gordon Oliver sits down with Robert Grieb, co-founder of Live Wiser Life Navigator, to explore how financial and healthcare challenges are deeply connected—and what individuals, families, and employers can do to navigate them.

From rising medical costs to managing debt and planning for retirement, Bob shares how the Live Wiser Life Navigator simplifies complex decisions across the seven key life stages. You’ll hear practical insights into reducing financial stress, making informed choices, and preparing for the unexpected—so you can create greater stability for yourself and your loved ones.

Whether you’re just starting out, caring for family, or planning for retirement, this conversation highlights the tools and strategies that can help you live—and retire—wiser.

Host and guest contact information:

🔗 Connect with the Host

Gordon Oliver

• Website: Cambridge Credit Counseling
• Phone: (888) 544-3457
• Email: goliver@cambridgecredit.org
• Facebook
• LinkedIn
• Instagram

🔗 Connect with the Guest

Robert Grieb

· Website: www.dsg-network.com

· Phone: 610-608-8247

· Email: rfgrieb@dsg-network.com

· LinkedIn https://www.linkedin.com/in/robert-grieb-95a5958

· Website: www.live-wiser.com

Augie Credit Card for Credit Building

Paul discussed the Augie credit card, a secured credit card designed to help people build credit. He emphasized that it's not a debit card but a secured credit card that allows users to pay their recurring monthly bills, which are then reported to credit agencies. Paul highlighted that the card doesn't require interest or fees and doesn't need a large security deposit, unlike traditional secured credit cards. He also noted that the card is part of a broader plan to educate consumers on budgeting and income-to-bill ratios, as these factors impact credit profiles.

Addressing Damaged Credit With Empowerment

Gordon and Paul discussed the importance of understanding and addressing damaged credit. They emphasized that with the right advice and products, individuals can work towards improving their credit. Paul highlighted the need for a step-by-step approach to credit building, rather than expecting immediate results. He also noted the shame factor associated with damaged credit and the importance of organizations like theirs in empowering consumers. The conversation concluded with Randy humorously referencing Paul's earlier analogy of a lifestyle change.

Host and guest contact information:

Gordon Oliver: website: Gordon Oliver | Cambridge Phone: (888) 544-3457 email: goliver@cambridgecredit.org

https://www.facebook.com/GordonOCares/

https://www.linkedin.com/in/gordonocares/

https://www.instagram.com/gordonocares/

Randy Nemeroff: website: https://www.perkplans.com/ Phone: (609) 471-0365 email: sales@perkplans.com

https://www.linkedin.com/in/perkplans/

https://www.facebook.com/PerkPlans

https://www.instagram.com/perkplans_/

Paul Harkins - Augie: https://www.augie.app/ Combining the best of personal finance and AI-leveraged technology, Augie (augie.app) has created a payment platform for democratizing access to financial services by making it possible for millions of people to create a credit history using a track record of bills they already pay. For more information, contact Augie at: paul@getaugie.com

Financial Wellness and Investment Transparency

Gordon, Randy and Eric Smith discussed the importance of financial wellness and the need for consumers to have access to information to make informed decisions about their investments. Eric, an attorney turned CEO of Decision Technologies Corporation, shared his experience of being frustrated with the lack of transparency in the financial service industry. He explained how his company's decision assistance technology provides a tool for individual investors to score and rank available investment choices based on their specific needs. Eric emphasized that their product allows users to make decisions based on their own preferences, rather than relying on someone else's opinion. The conversation also touched on the issue of fiduciary responsibility in the financial industry and the need for more transparency in investment advice.

Video: https://tinyurl.com/FWT-EPI-5-Video

Host and guest contact information:

Gordon Oliver: website: Gordon Oliver | Cambridge Phone: (888) 544-3457 email: goliver@cambridgecredit.org

https://www.facebook.com/GordonOCares/

https://www.linkedin.com/in/gordonocares/

https://www.instagram.com/gordonocares/

Randy Nemeroff: website: https://www.perkplans.com/ Phone: (609) 471-0365 email:Nemeroff@perkplans.com

https://www.linkedin.com/in/perkplans/

https://www.facebook.com/PerkPlans

https://www.instagram.com/perkplans_/

Eric Smith: website: https://www.sayrita.com/home

Disclaimer: We are not licensed financial advisors, and the content shared on this podcast should not be considered personalized advice or a recommendation to purchase, sell, or invest in any financial product or service. Listeners are encouraged to consult with a qualified financial advisor, accountant, or legal professional before making decisions based on the information provided. All investments and financial products involve risks, including the loss of principal. The opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the views of the producers or affiliates of Financial Wellness Today. We make no guarantees about the completeness, reliability, or accuracy of the information discussed. By listening to this podcast, you acknowledge that neither the hosts, guests, nor the producers are liable for any actions taken based on this information.

Randy and Gordon, discussed the significance of Martin Luther King Jr. Day and the inauguration of the 47th President, and the current state of the mortgage industry. They also introduced Josh from Home Approach, a platform aimed at helping consumers navigate the challenges of homeownership, and discussed the importance of financial education and planning. The conversation ended with discussions on ongoing projects, the creation of a co-branded page, and personal experiences.

Host and guest contact information:

Gordon Oliver: website: Gordon Oliver | Cambridge Phone: (888) 544-3457 email: goliver@cambridgecredit.org

https://www.facebook.com/GordonOCares/

https://www.linkedin.com/in/gordonocares/

https://www.instagram.com/gordonocares/

Randy Nemeroff: website: https://www.perkplans.com/ Phone: (609) 471-0365 email:Nemeroff@perkplans.com

https://www.linkedin.com/in/perkplans/

https://www.facebook.com/PerkPlans

https://www.instagram.com/perkplans_/

Josh Shulman - www.homeapproach.com

Gordon, Randy and Cj Brunett discussed the importance of cybersecurity in relation to financial wellness, highlighting the threats and vulnerabilities in the digital age. They introduced a product called Endpoint Lock, which offers an insurance piece for added protection. The conversation emphasized the need for protecting personal information and data, with Gordon encouraging listeners to share the episode with family and friends.

Host and guest contact information:

Gordon Oliver: website: Gordon Oliver | Cambridge Phone: (888) 544-3457 email: goliver@cambridgecredit.org

https://www.facebook.com/GordonOCares/

https://www.linkedin.com/in/gordonocares/

https://www.instagram.com/gordonocares/

Randy Nemeroff: website: https://www.perkplans.com/ Phone: (609) 471-0365 email:Nemeroff@perkplans.com

https://www.linkedin.com/in/perkplans/

https://www.facebook.com/PerkPlans

https://www.instagram.com/perkplans_/

On todays show, we have special guest Jay Tolisano, Divisional SVP of Production from CrossCountry Mortgage to discuss current activity in housing, interest rates, available mortgage products, free education classes and an incredible Line of Duty Death Benefit program for first responders and public servants. We will also talk about the Here Benefits Network https://herobenefitsnetwork.org/ and the great services offered by Cambridge Credit Counseling www.cambridgecredit.org

Host and guest contact information:

Gordon Oliver: website: Gordon Oliver | Cambridge Phone: (888) 544-3457 email: goliver@cambridgecredit.org https://www.facebook.com/GordonOCares/

https://www.linkedin.com/in/gordonocares/

https://www.instagram.com/gordonocares/

Randy Nemeroff: website: https://www.perkplans.com/ Phone: (609) 471-0365 email:Nemeroff@perkplans.com

https://www.linkedin.com/in/perkplans/

https://www.facebook.com/PerkPlans

https://www.instagram.com/perkplans_/

Jay Tolisano - https://crosscountrymortgage.com/Jay-Tolisano/ Text: (203) 913-4832

https://www.facebook.com/jay.tolisano

https://www.instagram.com/jaytolisano_ccmortgage/

https://www.linkedin.com/in/jaytolisano/

Gordon Oliver and Randy Nemeroff discuss the Launch of Financial Wellness Today and the purpose of the show. The economy is struggling and so are consumers. 1.15 Trillion outstanding in Credit Card Debt alone. Where can consumers get help? Where can consumers find ways to save on everything we spemnd money on? Listen in and find out!

BEST OF SHOW
Everyone needs some time off, even Gordon and Tinamarie! They didn’t want to leave you without an episode, so we created a Best of Show. Enjoy!